hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-03-18
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: HYUNDAI CAPITAL AMERICA (NJ)

Complaint:
XXXX Dear XXXX and XXXX : Hope this letter finds you well. I leased a XXXX XXXX XXXX from an independent dealer in XXXX, XXXX. All payments for the life of the lease were made on time and in full. Still, due to the fact that the dealer took on responsibility for the post-lease fees, and due to the covid pandemic, the dealer was unable to complete the payments on time, Hyundai has ruined my credit with negative charge-off status remarks and late remarks. Hyundai credit dispute department has no telephone, email or physical location. The only way to dispute Hyundai 's remarks on one 's credit profile is via a XXXX XXXX XXXX. The dealer who leased to me the XXXX XXXX XXXX which matured in XX/XX/XXXX ( and was returned on time ), wrote a letter to the Hyundai credit dispute XXXX XXXX explaining that he had told me that he would take care of any post-lease fees, including wear and tear fees. Attached is the letter that the dealer mailed to Hyundai explaining that due to covid affecting his business, the post-lease fees were not paid on time by him and therefore when I found out what had occurred, I paid the full amount of the fees myself. It is standard for auto companies, including Hyundai, to remove a customer 's charge-off and late remarks to the three major bureaus when the dealer has accepted responsibility. And yet, Hyundai credit dispute department wrote to me that they won't clear my credit despite the dealer 's letter explaining his responsibility for the lateness. Throughout my conversations with Hyundai, I had been assured that if my dealer was responsible for the lateness of the post-lease fees, if the dealer simply wrote a letter, then it was Hyundai 's policy not to punish the credit of the customer. Prior to any post-lease fees, I paid on time and in full every single month throughout the life of the lease from beginning to end. And now, Hyundai ruined my stellar credit anyway, despite receiving the attached letter from the dealer. Hyundai even has the audacity to report XX/XX/XXXX as a charge-off status and as late ( depending on the bureau ) even though all post-lease fees had already been received by Hyundai on XX/XX/XXXX XXXX receipt attached ). Can you please help me?

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 2022-01-24
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: EQUIFAX, INC. (NC)

Complaint:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
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: EQUIFAX, INC. (TX)

Complaint:
Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
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: EQUIFAX, INC. (CT)

Complaint:
I'm a XXXX XXXX XXXX taking XXXX courses a semester while working a 40 hour week job. I Iost my job and could not pay my XXXX XXXX credit card ( {$2000.00} XXXX. A few months later after I was situated at a new job, I received a letter for the option to pay a lump sum of {$1400.00} in order to " settle '' my account. I paid this lump sum with the entirety of my paycheck ( s ) in the course of just two weeks! XXXX from the credit card department assisted me in taking these payments. 

I called back to confirm everything was done and I would no longer be harassed by their credit department, was told I was good to go. Of course that was not the case, not only was I still harassed, my credit report showed that just two months later, this account was " Charged off as bad credit '' as opposed to " settled '' ( XXXX ). I made a complaint and nothing happened. I also noticed the balance of the account was not XXXX, but $ 800< ( The amount not paid in the settlement ). Every month it grew higher, it's as if they lied and just took the lump sum and wanted me to pay the rest! 

I called back XXXX XXXX and was now greeted with a XXXX XXXX   named XXXX ( XXXX ext XXXX ), who kept hanging up on me after treating me like a criminal. I reported him to his boss with a recording of the phone call that received over 50 angry comments on XXXX, he did not return my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
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: EQUIFAX, INC. (FL)

Complaint:
EQUIFAX, as well as other credit reporting agencies, is obligated by the FCRA to report accurate accounting. As the consumer, Ive stated this account has been reporting inaccurately and fraudulently. XXXX labels this alleged debt as a Charge-off, which is income according to the IRS. Its specifically against the law for any credit reporting agency to report income on a consumer file/report. 
Also, the Equifax company is liable under the SEC to follow certain rules. EQUIFAX XXXX file number XXXX .P. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Since this is an alleged charge-off, I will be filing form XXXX treasury forms to audit this account, as the consumers account. 
EQIFAX, as well as XXXX and XXXX are securitizing consumers data yet refuse to provide me, the consumer a copy of the CONSUMER FILE and NOT CONSUMER REPORT. 

Check the photos as well as letter attatched

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
In accordance with the Fair Credit Reporting Act. The List of items below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated that everything was completed and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify what isnt reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-09-21
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. (SC)

Complaint:
In XX/XX/2018, a collections account showed up on my credit report from XXXX XXXX. I have never done business of any kind with XXXX. I immediately disputed the account with the credit bureau XXXX. The results came back saying the account was " valid. '' I was unable to get a real person from XXXX on the phone to address this issue. After doing my own research, apparently this is a famous problem with XXXX that has happened to many people, and neither XXXX nor the credit bureaus care to help resolve the situation. In my situation, the account is clearly either erroneous or fraudulent. Around that time, I did have some fraud and identity theft issues with someone attempting to open lines of credit in my name. This account may be the result of that. I've attached the only information I have about the account, which was reported by XXXX. Right now, the collection amount balance says {$4600.00}. The creditor address reported by XXXX is : XXXX XXXX XXXX XXXX, TX XXXX The creditor phone number reported by XXXX is ( XXXX ) XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX - XXXX, XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-04-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-01-07
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. (NJ)

Complaint:
In XX/XX/XXXX, I realized that someone used my personal information to obtain a mobile account. I realized that this happened in XX/XX/XXXX. This has caused me great anxiety and has made it difficult to obtain new credit. Due to the pandemic, I need to obtain credit to provide for myself and was unable to do so because of this discrepancy on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
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. (TX)

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-09-14
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. (MD)

Complaint:
THESE ACCOUNTS ON MY CREDIT REPORT DO NOT BELONG TO ME. THEY ARE FRAUDULENT ACCOUNTS THAT DO NOT BELOGN TO ME. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT.

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 2021-02-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

Complaint:
I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: La Casa Bonita Investments (FL)

Complaint:
Received a call from 1file.org claiming to help with loan consolidation for my student loan. I payed {$900.00} up front and {$39.00} a month for this service. I have not seen any consolidation information or loan forgiveness help. I am paying two separate amounts, {$39.00} to 1file.org and {$160.00} to XXXX. I am wondering if the 1file.org company is a scam and how I can stop the monthly payments.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

Complaint:
Despite several requests to XXXX XXXX XXXX, in addition to the credit reporting agencies of XXXX, Experian and XXXX, original creditor has refused to remove an account from my credit report that exceeds the allowed reporting period. XXXX XXXX XXXX account number XXXX continues to report a " paid was 120+ '' status on my credit report despite a last payment being made seven plus years ago. The reporting of this antiquated account has severely harmed my true credit history and dramatically dropped my credit score.

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 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

Complaint:
This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TXXXXX XXXXXX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$4700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
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. (GA)

Complaint:
On XX/XX/XXXX I submitted my complaint to remove items from my credit report on all three Experian, XXXX, and XXXX Credit Bureaus which have incorrect and fraudulent information on there. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. ()

Complaint:
In repaying my student loan based on an income-based repayment plan, I received information from Navient about the renewal processes only through an email with an obscure subject line and with no information providing the date by which I should request renewal and what the consequences were of a late renewal request. As a result, the benefit lapsed, and resulted in the capitalization of USD XXXX in interest added to the principle of the loan, increasing the amount I will ultimately have to repay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (TX)

Complaint:
I have request documents from the bureaus and I have been ignored!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Complaint:
They havent provided the dates that this debt was chrged off and the correct amounts of monies owed and how method of how they came to the determined amount as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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. (TX)

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-04-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: STERLING JEWELERS, INC. (SC)

Complaint:
On XX/XX/2019 I was contacted and harassed by XXXX XXXX XXXX XXXX on the behalf of Kay Jewelers in regards to a debt in the amount of XXXX. I was told that if the debt was not paid at that exact moment, that I would be served with papers and sued with the possibility of jail time. There was no option of negotiating the debt, and when asked what would be done once the debt is settled I was informed that they would remove the account from all three credit reporting agencies. It has now been 1 year and the account remains. Also, they have harassed family members after the debt being paid. I paid the debt with my husbands credit card and have attached that document as well.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation