hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2019-02-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (WI)

Complaint:
CACH LLC, won a default judgment against me in XXXX Circuit Court, XXXX, WI in 2016 while I was residing and working on XXXX. I couldn't afford to fly back to XXXX, WI for court so they won this judgment against me and I never had any account or agreement with this company. I know that they bought a debt from a former Credit Card Company that I couldn't make the payments after I lost my job and the credit card company wrote off the debt. They sold it to CACH LLC for whatever amount. I didn't have any type of agreement with this company and I believe they lied in court to win the judgment and now I found out they sent a letter of Wage Garnishment to my current employer where they are taking 20 % of my wages starting with my next paycheck. I can't afford to live with that much money coming out of my check for a company I never owed anything to begin with. I live paycheck to paycheck and don't want to wind up homeless over this. They are not willing to help me in any way. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (IN)

Complaint:
The fair market value of this vehicle that I purchased through Credit Acceptance Corporation was met and now they are demanding thousands of dollars in interest. I had lost my job and the original loan was at a higher than legal amount interest rate which caused me to release the vehicle back to them voluntarily. I was garnished and met the initial amount of garnishment and now have to pay thousands more in interest. I was never allowed to appear in court due to never receiving court documentation at correct addresses. The amounts of monies paid, car sold at auction, fair market value and now interest owed on top of interest paid is not matching up. Credit Acceptance Corporation did to me what they did to citizens in Massachusetts, which won a lawsuit against them. I dont live in Massachusetts but am a victim as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
There was a home Invasion at my house, One Of The Items That Was stolen Out Of My House Was My Laptop With All Of Me and My Wife Personals Information. Me and My Wife have Been Victim Of Identity Theft They somehow Open Fraudulent Accounts Using Our Information. 
Attached You '' ll find Police report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (NY)

Complaint:
Due to the unforeseen financial hardships and personal hardships I have faced due to the global pandemic, I failed to make my payment on my Ann Taylor store card issued by Comenity Bank. I would like to add that on multiple occasions I have asked Comenity Bank about auto pay options which they do not offer. When I realized the payment was missed I immediately paid my balance in full of about {$180.00}. On XX/XX/XXXX, I contacted customer care for Comenity Bank to ask if they would remove the negative reporting form my credit report in good faith as I have been a long time customer and only missed the payment because of the extenuating circumstances. The phone representative advised I should write a message online and that would be taken care of. I sent the message and got a response on XX/XX/XXXX stating I need to write a letter of dispute. I responded and said this seemed like a bit of an extreme to make a customer go through. I have been in contact with all my creditors recently and all have offered assistance immediately. Why Comenity feels the need to make a customer go through such a process for a simple {$180.00} store card bill seems very ridiculous in this mass hysteria the country is in. I ask that the negative reporting be removed from my credit report as I have paid off my full balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (FL)

Complaint:
I have a loan with Wf Bank Na. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and Wf Bank Na with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Complaint:
Equifax reporting fraudulent information on my credit file ... Items were removed in XX/XX/XXXX and returned with no explanation or validation of the fraudulent accounts after I've disputed multiple times and asked for validation with no response from Equifax on XXXX accounts that have been disputed multiple times ... XXXX XXXX account {$11000.00} # XXXX XX/XX/XXXX was deleted from my file and returned twice on Equifax 2 times between XX/XX/XXXX and XX/XX/XXXX. The file isn't reporting per Equifax so it needs so be deleted. XXXX is under investigation for trying to collect and they're not licensed to collect. I've tried to reach out to XXXX as well and the number is disconnected, it's a fraudulent account and I want it removed from my credit report as it's hindering my life and making me unable to purchase my home. Equifax sent documentation stating it's not reporting on my file and it reported XX/XX/XXXX and again on XX/XX/XXXX. I also have a fraud alert on my credit file, I attached the documents from Equifax stating XXXX isn't reporting when it is. I want this fraudulent account removed now it's not mine I never had an account with this company or anyone affiliated with this company. Listed below are other fraudulent accounts I disputed multiple times and Equifax never responded to my disputes and I've been disputed these items since XX/XX/XXXX. I even sent in a police report to prove to them my wallet was stolen with all my personal information inside. XXXX # XXXX {$2100.00} XX/XX/XXXX fraud never purchased from this company. XXXX XXXX # XXXX {$960.00} XX/XX/XXXX fraud I don't even know who this is never had an account. XXXX XXXX # XXXX {$330.00} XX/XX/XXXX fraud never dealt with this company. XXXX XXXX # XXXX XXXX XX/XX/XXXX fraud not my account never had an account with this company. XXXX XXXX # XXXX {$12000.00} XX/XX/XXXX fraud not my account never done business with this company, this company is also under investigation for reporting false information and trying to collect on accounts that do not exist. Equifax has been reporting these fraudulent accounts over and over and no matter how many times I've disputed them and sent documents to prove identity theft they will not respond to my disputes. This unfair stressful and depressing and these items need to be removed asap. I have no contracts with any of these companies and never have one I have no knowledge of these fraudulent accounts as they are not mine and need to be removed indefinitely Equifax is the only company reporting these fraudulent accounts my file is clean on the other two bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Complaint:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

Complaint:
These are not my accounts. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Complaint:
Went to go get a XXXX loan as I am a current XXXX XXXX in XXXX and I was denied due to adverse information on my credit report. Knowing this should not have been the correct information I reviewed my credit report and had seen these accounts by XXXX XXXX and XXXX XXXX. I have contacted the office of the Attorney Generals office of CA XXXX XXXX, which I filed a theft report with along with the Federal Trade Commission and the XXXX XXXX Police Department. I certified with all 3 Federal and State Agencys that under the law or Perjury I certify all is true and correct, I am the victim of fraud that took place with XXXX XXXX & XXXX XXXX. Also I have contacted XXXX XXXX of the XXXX XXXX   to help me in the event that I need to file paperwork with the XXXX County Court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Complaint:
Checked my credit report and noticed unauthorized inquiries. Tried to get the issue resolved to no avail. Was told that the inquiries would be deleted but they still show on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
I am formally requesting this letter to update the following items in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
Hello, All three credit bureaus show late payments more than 30 days on my account from XXXX - XXXX of XXXX. While my payments were later than the first of the month they were not more than 30 days. I have contacted XXXX to correct this but the credit bureaus are still reporting inaccurate information. 

I would like guidance on getting this situation rectified as it is becoming a hinderance. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (TX)

Complaint:
During the last XXXX  days, I created XXXX separate CFPB complaints against BB & T : XXXX XXXX XXXX BB & T responded on XX/XX/XXXX that : Ms. XXXX, the XXXX ACH deposits in the amount of {$500.00} each received in the name of XXXX XXXX were reversed on XX/XX/XXXX and sent back to the originating financial institution. A check in the amount of {$50.00} ( the remaining balance ) will be issued and mailed to the address on file to close the account. Please allow 7-10 business days to receive the check. 

XXXX X {$500.00} has been sent to the source which initiated those direct deposits. But even after more than 10 business days - I haven't received {$50.00} ( the remaining balance ) One need to understand that my money was hold on ransom by this bank for almost 3 months without any interest and further I am still not having all my money here.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. Collections West, Inc. (AZ)

Complaint:
I have sent the debt collector us collections west proof that the debt that are trying to collect is not mine and was opened fraudulently in my name due to identity theft. I have sent them the police report by XXXX police department, identity theft report filed with the federal trade commission and they are asking for a detailed report from the police which does not exist. I have talked to the supervisor in charge of the financial crimes department at XXXX police and was told there is no follow up and case was not assigned to a detective. They need to stop collecting this debt as it is not mine. My credit is also frozen with all 3 major credit bureaus due to the identity theft that occurred

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc. (FL)

Complaint:
Someone used my identity to get a A apartment in my name and purchased a vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Outsourcing, Inc. (PA)

Complaint:
My husband is receiving robocalls ( at home, while he's at work ) from some company which comes up on the caller ID as " XXXX ''. The robocall assumes that someone is answering ( even though it's the machine picking up ) and says it will hold 3 seconds till my husband can get someplace " private '' -- which seemed VERY fishy to me ). When I called back to ask what it was in reference to they wouldn't tell me. So I said " If we tell you to not call the house, you have to NOT CALL THE HOUSE '' ( that is, as I understand it, the law ). Well we got another call this XXXX. So I called the number back, which was XXXX and got some company called " XXXX XXXX XXXX '' ( or some such ) and told the woman who eventually answered ( I did NOT give my phone number! ) that they had already been told NOT TO CALL. It got a little heated and the woman hung up. So I called again ( hey, it's THEIR dime ) and got someone else who *assumed* it was my husband calling -- so much for not giving them my phone number .... And I again said " It's illegal for you to call my house after you've been told not to do so! '' I then deleted the message and called my husband at work ( this may be a medical debt that he THOUGHT he had taken care of long since ) and he was going to try calling the number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Complaint:
I was 3 days late on a {$32.00} ( possibly {$34.00} ) minimum payment due on my BofA credit card and Bank of America refused to waive my late fee. I explained that the payment was late due to me losing my job, but they wouldnt budge on the {$27.00} late fee ( {$27.00} seems like a high percentage in relation to the $ XXXX that was late too ). I did a Balance transfer to them about a year ago to take advantage of an offer they sent me in the mail. This was the first time Ive been late and just by a few days after dealing with the loss of my job. During my phone call with them, I was sent to an escalations agent ( who introduced himself as a manager,  clearly not btw considering his lack of empathy or care ). I threatened to close my account in hopes the retention specialist may understand my position a little more, but the escalations agent  simply offered to close my account, not considering my hardship in the slightest. 30 minute phone call for nothing. I called XXXX after BofA because I missed that payment for the same reason ( 1st time late with XXXX also ), and XXXX took care of it for me right away. I would close my BofA account if it wouldnt have a negative impact on my credit. BofA just increased my credit line too, Im assuming in hopes that XXXX use them more once my 0 % period is up. Im thinking Im just going to give that business to a company who empathizes and works with its customers ( XXXX ) rather than one who couldn't care less about me losing my job ( sarcasm thanks to BofA ), increasing my credit limit, and not waiving my late fee in an already tough time. You think the {$27.00} fee is worth my future business?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION (FL)

Complaint:
This vehicle was repossessed b y NFCU in  t he State of F lorida on or about,     X/XX/2014   , a nd resold on or about   XX/XX/2014 .    Under the laws of the State of ( State of Repo ) U CC 9.506 and Sta te  RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices   were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.   Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.   If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.   In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all availabl e State and Federal statutes and UCC 9 remedies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OR)

Complaint:
XX/XX/2023 at approximately XXXXXXXX PST, I received an email from Experian about a change to my account. It stated that a vehicle was added and that this was NOT a marketing email. I logged into the Experian dashboard which led me to the " XXXX '' products section and confirmed a XXXX was added to my account. I clicked the " manage '' button to remove the vehicle. 

I called support the next day ( today, XX/XX/2023 at XXXXXXXX PST ) and asked why that was added to my account ( worried it was fraud ). Support told me it was just a marketing email, however, the email specifically says its NOT a marketing email but an actual account change. Support refused to help me remove it on their alerts system and said " someone will contact you about it but there is no ETA ''. I asked to speak to the dispute department where I was next transferred to. 

Dispute department said since it's auto related, they can't help and only member services can. So she routed me back to the member services team. Member services said it was a new product that experian was promoting by trying to alert certain customers, so that they can generate product costs and see if we were ultimately interested. I asked why they would intentionally and unlawfully add a vehicle to my account and claim its a marketing email, when the email specifically states its not marketing. She had no response and said they would try to remove the car from my alerts and account. 

Experian is intentionally manipulating and adding false information to my account in order to trick me into buying products from them and claiming its not actually happening ( gaslighting ). This is absolutely unacceptable on top of illegal and I believe they are sharing my info to third party businesses to rope me into their unethical and illegal sale tactics. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation