hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2018-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: I.C. System, Inc. (MO)

Complaint:
I pulled my XXXX credit report and noticed they have 3 variations of my name and 2 of them are spelled incorrectly. I sent a letter to have them update my information to show my correct name and address and to remove all other variations. I received a response to go track down whoever is reporting these incorrect names & addresses. As a credit reporting agency they are suppose to validate that the information they are reporting is correct. If they are allowing someone to report on my credit report an incorrect name and address they are putting me at risk for identity fraud. The other credit reporting companies had no problem updating my information and removing all others. I am not going to chase down 2 companies to find out who is reporting my information incorrectly. If they are receiving information for my credit file that does not have my correct information than that is not my debt. It is their responsibility to make sure its correct. They should be updating my information to reflect what is true and correct so I can not be liable for a debt that is not mine, so I am protected from identity theft. As a credit reporting agency it is their duty to validate and make sure the information they are receiving is valid, verified, and make sure that it belongs to me. Not just take anyone 's word and post whatever someone reports to them. I want all my information updated, corrected and all other variations removed. They are putting me at risk, they are hurting me and my credit report, they are allowing things to be reported that may not be mine if its not my information. I have one name given at birth, I have one birth date, I have one address that is deliverable by the United States Postal Service. Please help me to get this fixed.

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 2022-12-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Hollis Cobb Associates (GA)

Complaint:
I had XXXX at XXXX XXXX. XXXX began sending me bills for my portion. I paid {$50.00} and when I went to make a second payment, I could not make one in the portal. I was given a number to call or they ( Patient Accounts Bureau ) called me repeatedly. I finally called them back and they said they have this debt. This was in XXXX. I asked for a proof. They never sent it. I repeatedly asked. Then today, XX/XX/22 I called back because they left another voicemail. I asked for proof again and the rep said they are not required to send another bill. I said you never sent the first one and I am asking for this again because I never got it. She got angry and then said just tell me how much can you pay. She said numbers like {$500.00} per month, {$400.00} per month, {$360.00} and then $ 250 monthly to pay it off. I said, I don't make that amount of money to pay you that monthly. Send me the bill so I can see it. She said no again. I asked for her supervisor. After a XXXX minute hold, she came back and her supervisor would call me back. I said great but do know that if I asked you to validate this debt in writing and you do not provide it after numerous requests I can report you to the state attorney, FTC and Consumer Finance. She said she didn't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Accredited Collection Service, Inc. (IA)

Complaint:
OnXX/XX/XXXX debt collected sent a notice in past due account. Paid bill within a week and asked for written confirmation debt was paid in full. Have repeated request twice and each time they give us different excuse for not sending out letter. They have also provided incorrect information before on how much was discounted by original company and when letters were sent out. When I have pointed out what occurred in the past they blame me. Original provider even admitted there was a mistake on their end on how process was handled

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 2023-06-16
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. (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. 


Account name : 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 XXXXXXXX has violated my rights. Or list of inquiries 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-03
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PENNYMAC LOAN SERVICES, LLC. (NJ)

Complaint:
I am disputing information on my Pennymac mortgage which is now closed. The late payment dates that the company is reporting is incorrect. They are listing dates that I actually paid. I sent the company over verification of the dates in question but they did not respond. 
Furthermore, during the times that I was late with my payments, I informed the company and provided documentation that I was out of work on medical leave due to an unexpected illness. I have since returned back to work and have paid all my bills on time. 

The account is now closed but the late payments are hindering my score and my financial progression which is crucial during the current COVID-19 pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC. (OH)

Complaint:
The said car had been given back because I could no longer afford the payments. There was a payment plan set up then it was to be suspended because the car had been sold at auction on XX/XX/XXXX. When I returned the car I no longer had access to ALLY AUTO accounts and the remaining balance was given to XXXX XXXX XXXX XXXX with a balance of XXXX XXXX Then on XX/XX/XXXX after the car was sold, they attempted to retrieve money from my checking account. They were unsuccessful so they retried the payment on XX/XX/XXXX and took money from my account. They did not remove my checking information when I had no access after giving the car back. I am disputing it with my bank to get my money back. ALLY no longer has the account, I have to set an arrangement with XXXX for the balance.

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 2023-01-06
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 with the Fair Credit 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 XXXX XXXX XXXX XXXX XXXX XXXX have 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, also states, a consumer reporting agency can not furnish an account without my written instruction.

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 2022-03-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MS)

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-04-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NY)

Complaint:
Following an investigation conducted by XXXX, on XX/XX/XXXX the amount I owed SANTANDER CONSUMER USA was {XXXX} and on XX/XX/XXXX SANTANDER CONSUMER USA changed this amount on my credit report to over $ XXXX. I reported this change to XXXX which resulted in SANTANDER CONSUMER USA repossessing my car on XX/XX/XXXX. My car was released to me on XX/XX/XXXX after I made a {XXXX} payment to SANTANDER CONSUMER USA. Since the release of my vehicle I have made several payments and I have submitted several disputes to XXXX. Despite these investigations resulting in my favor, SANTANDER CONSUMER USA will not change the reported information. On XX/XX/XXXX SANTANDER CONSUMER USA mailed me a letter with the intent to intimidate me from pursuing any further disputes in an effort to have the car seized from my possession. 

SANTANDER CONSUMER USA has a history of bad business practices and this information can be verified by consumer finance.gov https : //www.consumerfinance.gov/about-us/newsroom/consumer-financial-protection-bureau-settles-with-santander-consumer-usa-inc-for-credit-reporting-violations-in-connection-with-its-auto-loans/

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
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. (IL)

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 9. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX, IL 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX 12. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX, XXXX, XXXX 13. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, WI XXXX 14. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, WI 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 2017-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST ADVANTAGE CORPORATION (CA)

Complaint:
SSN incorrect Date of Birth incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
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: Experian Information Solutions Inc. (NC)

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. Information is inaccurate on 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 2020-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (AZ)

Complaint:
I paid off the majority of my credit card : Freedom from Chase. I have never had a late payment with them. As soon as the pandemic for Cornavirus hit, Chase decided to reduce my credit limit drastically. I have not used my credit card, but this has damaged my debt to credit ratio drastically. According to Chase they reduced my credit limit from a credit report that was pulled on XXXX XXXX, before the pandemic. They decided to reduce my limit until I paid it off and the pandemic hit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07
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. (TX)

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

Complaint:
I work at XXXXXXXX XXXX XXXXXXXX XXXX, a global professional services firm, partnered with American Express in the United States for all corporate credit cards. I hold an American Express corporate credit card with XXXXXXXX XXXX XXXXXXXX XXXX. I logged into my corporate American Express account on XX/XX/2022 to pay my bill, and I saw an exclusive offer for corporate card holders to apply for a personal American Express card. The exclusive offer noted that I will receive a " {$150.00} recurring statement credit on your XXXX XXXX account after approval, and every year at renewal when you maintain the same XXXX XXXX account ''. I entered my corporate card details to confirm my eligibility ( refer to screenshot # XXXX ). I then applied for the XXXX XXXX through the link provided on the offer page, which again clearly stated the {$150.00} statement credit after approval, and every year at renewal. In addition to the statement credit, the offer included XXXX membership rewards points after spending {$6000.00} within the first 6 months ( which I did receive ). You can also note that the normal offer to non-corporate card holders applying through the regular channel was only XXXX membership rewards points at that time. If I didn't sign up via the promotional link, then why would I have gotten the XXXX points as opposed to the XXXX that was being offered to regular customers. Once I entered my corporate card number and followed the " View my offers '' link in Screenshot # XXXX, I was forwarded to the page where I clicked " Apply Now ''. You can see the same offer was made on this page in XXXX # XXXX. Unfortunately, screenshot # XXXX does not show the " Apply Now '' link that I clicked on, so I have included Screenshot # XXXX to show how the " Apply Now '' link was shown ( Screenshot # XXXX shows the offer for the American Express Gold card, but I applied for the Platinum Card ). Luckily, I took these screenshots because I was showing my friend the two different offers ( Platinum or Gold card ) and I wanted my friend 's advice on which card to get. Finally after submitting my application, I was brought to the page which stated I was approved for the Platinum card ( screenshot # XXXX ). You can see in the website address bar that the URL included " XXXX '' and " XXXX '' - evidence that I signed up via the corporate offer link for the XXXX card. I have called American Express and they have investigated the matter 3 times. Each time they have closed the investigation saying that there was no error on their part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Complaint:
In XX/XX/XXXX, I called Kohl 's Credit Card Co. because I didn't receive my bill. I told them I had been ill and was not able to call sooner. I was told they would waive the late fee. The following month I received my statement with the late fee charge, I called and explained waive of late fee in XX/XX/XXXX, but was told I was required to pay it in order to be removed. I explained I had a tight budget because of medical bills and was told i had I believe 10 days to pay it or it would be added again. I paid that fee in a few days to avoid that additional charge. In XX/XX/XXXX, I received my statement and there was a late fee again. I called and once again I was told I had to pay it, to not get another one. I explained I had paid XX/XX/XXXX 's before time allowed but it came upon deaf ears. I called XXXX explaining problem and was told to file a complaint. I did and it was forwarded to the XXXX in the area of the credit card company. I received an email 30 days later from a Kohl 's representative who didn't even address the issue, or even seemed to care about their errors and instead told me I did have to pay. I was allowed to accept or reject this response. I rejected and soon after submitting it, I received an email from XXXX saying the case was considered closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

Complaint:
Accounts with XXXX  XXXX is showing accounts is closed and charge off. While account is charge off and closed, XXXX  XXXX is still reporting a balance of {$790.00} of an intital {$400.00} debt, and second account reporting {$510.00} of {$300.00} credit limit. 
I demand the account to be closed at a XXXX balance since that account is charge off. 
Due to possible inaccuracies in the these credit reports, I demand that the validation I hereby request be in the form of a verified statement by a person with knowledge of the debt, who can testify that the debt incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the tradeline.

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 2022-12-27
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: Bread Financial Holdings, Inc. (SC)

Complaint:
In accordance with the fair credit reporting act, CB/NY & CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Funding Account # XXXX, # XXXX, # XXXX has violated my rights. 15 u.s.c 1681 section 602 I have the right to privacy. 15 u.s.c. 1681 Section 604 Section 2 states a consumer reporting agency can not furnish an account without instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
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. (AR)

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( names, accounts or inquiries :

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