hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-10-26
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

Complaint:
I opened an online savings account with Citibank. As part of the account opening process, I transferred a substantial amount of money into the account. At the conclusion of the process, I received an error message and was never provided a full account number. I only received the last four digits by email. However, I did receive notice from my transferring bank that Citibank has received the funds. Without the full account number, I cant get online access to my account, and cant even get access to my account over the phone. I am told I am supposed to wait another 7-10 days to get my account information in the mail before I can access my account, which would mean the bank does not give me access to my funds for up to 14 days after I open up the account. This is a scam. The bank is putting all sorts of roadblocks up so that they can hold my funds and not provide me access to my accounts for weeks. The online application process misrepresented that I would have immediate access to the funds online, which is not true. I had to call over 5 times, and repeatedly was disconnected without my consent. I requested to speak to a supervisor, and was eventually connected to someone named XXXX, who refused to give her last name, but provided the code XXXX. She said I could not access my account until I received the full account number in the mail. I asked to speak to another supervisor and she said it would take them 3 business days before someone could call me back. Citibank has grossly misrepresented its terms in the application process. This is a scam that could be very, very harmful to consumers if they transfer funds into an account based upon representation that immediate access to funds will be provided, when in reality the bank wont give you access to your money for two weeks or more.

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 2022-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Complaint:
I just don't think this is still right. I felt I am being taken advantage by someone I didn't know and being ignored by the agencies where I sent the disputes. What happened is last month I received my credit report and noticed that lots of items that I didn't recognized and it isn't mine, so dated XX/XX/2022 I sent letters regarding with those items to be remove and was very patient waiting for their response but up until now ( XX/XX/2022 ) I haven't received any from them. This is unacceptable. According to this article : FCRA 611 ( 15 U.S.C. 1681I ) ( A ) the investigation should be within 30 days only and an extension of 15 days makes 45 days, it was almost 50 days now from the time I sent letters but nothing came into my mail, email and even phone number when I indicated all these info for them to communicate to me. This is frustrating and causing me a lot of stress.

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 2022-10-17
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. (PA)

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
I have filed Several complaints against this company XXXX XXXX XXXX they were located in Texas with no phone number and now south Carolina i have tried to call them with no success I have never owned a account with them, they keep putting on my reports as a opened account with a newly closed date of XX/XX/2020 this has negatively affected my credit making it go down yet again every time 75 to 90 points they did this around XXXX as well this is ridiculous that a company or collection agency can fradulently do this this is illegal please remove this from my account as this is incorrect information i have never had a world finance account. if it was a old collection account they bought they are still illegally reporting that it had been open in good standing and closed both times in XXXX and now XXXX with is a illegal refreshing of my account which now is two incidents this is unacceptable

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 2022-02-19
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. (MS)

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


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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Lendmark Financial Services (MD)

Complaint:
MY complaint or request is to Lendmark Financial, who i've been making my car payments to the past year. 

From time to time during the payment process and as recorded on the monthly statements, the interest payment amount has been recorded very low. This has happened several times duran the 12 month payment period. 

See attached : THe XX/XX/XXXX statement shows the paid Interest amount as : {$330.00} - with the Principle amount being only : {$13.00} I've reported previously about how Lendmark Financial ignores the contract or payment document that sets the first payment being XX/XX/XXXX, but instead reports the first payment to the credit bureaus as XX/XX/XXXX. They also report for both XXXX and XX/XX/XXXX showing the amount due for those amounts, but nothing recorded as paid for those two months. This of course caused my credit score to drop over XXXX, because the credit reporting is showing the first two months ( XXXX ) as missed with payments starting only for XX/XX/XXXX. 

Lendmark refused to correct that wrongful credit reporting that cripples my credit reporting by pushing my score below XXXX. 

Now they continue to wrongfully record the amount that should be recorded on my account, it seems to further cripple my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Complaint:
I redeemed reward points with Capital One for a {$100.00} gift card from XXXX. The gift card arrived without the {$100.00} funded. I called Capital One and spoke with a representative named XXXX. After waiting on hold with XXXX for over XXXX minutes, my phone call was transferred back to Capital One 's automated system. I would suggest that XXXX transferred my call purposely as she described my issue as " hard ... due to the complex procedure. '' Due to my XXXX, I don't have time to wait on hold to be transferred endlessly or for an unnecessarily complex procedure. Please either fund the {$100.00} on the gift card that you mailed me or send me a replacement. Upon request, I can provide the gift card number and/or the letter that accompanied the gift card that Capital One issued. The money is for holiday gift purchases- please resolve expeditiously.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-08
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. (TX)

Complaint:
I have requested XXXX, Experian, and XXXX  update my credit reports. So far they have not. I need each bureau to update my account per my attachments. This information can be verified with XXXX XXXX XXXX XXXX who has also verified that no bureau has contracted them about my disputes.

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 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Source Receivables Management LLC (FL)

Complaint:
I have sent this collections creditor two letters asking for full validation of the debt that they are trying to collect from me and reporting against me on the credit reports. I have a right to understand the charges being held against me. To date, I've yet to receive any answer, but yet they are allowed to be reporting against me on the credit report, whether the information is right or wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc. (LA)

Complaint:
Franklin Collection Services XXXX XXXX XXXX XXXX XXXX, MS XXXX This company is not authorized to collect debt in Louisiana. I asked the company to verify the debt and they sent a hospital bill. I 'm requesting validation that the debt belongs to me and also proof of license in the state of Louisiana.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
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: Bread Financial Holdings, Inc. (MI)

Complaint:
On XX/XX/2021, I received a credit monitoring alert that a hard inquiry hit my credit report from Comenity Capital /IDD . I immediately called them to inform them I had not applied for credit with them, that the credit application was fraudulent, and that I wanted to make sure a line of credit had not been open with them in my name. After speaking with a customer service representative, they informed me they would investigate it and have it removed. However, it is now XX/XX/2021, more than 30 days ago, and the information is still on my credit report under Hard Inquiries. 

I was not notified about the investigation status. Their investigation did not fix the error on my credit report, and it has taken longer than 30 days. According to the FCRA, this is a violation. 

I have made an attempt to dispute this fraudulent inquiry with XXXX on XX/XX/2021 and they responded with the dispute results as of XX/XX/2021 that " : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' However, this inquiry is NOT factual and I'd like it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

Complaint:
I am submitting my complain for you to notify that the inaccurate informations continue to report on my credit report, In violation of federal law, the XXXX credit bureaus shall make actions and make the accounts be corrected. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. These following accounts needs to be corrected immediately : XXXX XXXX XXXX Balance ; XXXX XXXX XXXX Balance ; XXXX XXXX Balance ; XXXX XXXX XXXXXXXX Balance ; XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX 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 2022-12-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (IA)

Complaint:
I've tried Reaching the company after reviewing my credit report and finding they was reporting XXXX  on my report, I tried to get the company and they dint respond in a timely manner of my letter I sent requesting information. XX/XX/2022

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 2023-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (GA)

Complaint:
In 2016, while I was in XXXX XXXX, under the age of XXXX, a legal guardian put my name on the gas bill without my consent. I tried to reach out to the company and they explained to me that I would have to pay the debt since it was in my name. Upon further research I discovered that the company L J Ross Associates , Inc. Is not licensed to collect in Illinois XXXX This is not my debt, and the collector is not authorized to report this on my credit profile.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CRESCO CAPITAL INC. (IL)

Complaint:
Hello there! Iam making a final goodwill attempt to have you clear up this matter. Its my understanding that consumer financial protection bureau help 's enforce consumers right 's, and stop bad reporting agency feom reporting inaccurate incomplete errors on consumer credit report. Also be advised that this is my third attempt, 120 days no response, is a automatic delection. This company is in violation of 15usc 1681, no need for me to go into detail, and tell you the law your company knows for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report, with physical documents. I am sure that uou are aware, current federal case law which states that consumer reporting agency bear grave responsibilities to ensure the accuracy of the account they report report on their responsibility must consist of something more than parroting information received from other sources which means i never received any proof of this account so it has to be removed required by law. 30 days validation note section 1692g ( B ) collector must provide name/ address of orignal creditor if different from current creditor. Section 1692e ( 8 ) failure to communicate that a debt is disputed to the other reporting agencies the list just continues. This company has ignored my request to provide me with the documents thats in their files months ago. Its obvious this company can't this account, and under section 611 ( 5 ) ( A ) of the fcra tou are required to promptly all information including the big three credit bureaus which can not be verified. Sounds like a civil liability thats granted to me for negligent noncompliance section 617 state 's if you fail to comply with the federal law, i can pursue litigation to my right under thr FCRA, i truly demand this account to be removed immediately Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
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. (NJ)

Complaint:
WRONG INFORMATION REPORTING ON EXPERIAN THAT NEEDS REMOVALS OF ALL ITEMS BELOW. 

XXXX XXXX XXXX XX/XX/2022 EXPERIAN XXXX XXXX XXXX  XX/XX/2022 EXPERIAN XXXX BANK XX/XX/2022 EXPERIAN XXXX XXXX XXXX XX/XX/2022 EXPERIAN XXXX XXXX XXXX XX/XX/2022 EXPERIAN XXXXXXXX XXXX XXXX XXXXXXXX EXPERIAN XXXX XX/XX/2022 EXPERIAN XXXX XXXX XXXX XX/XX/2022 EXPERIAN XXXX XXXX XXXX XXXX XXXXXX/XX/2022 EXPERIAN XXXX XXXX XXXX XXXX XX/XX/2022 EXPERIAN XXXXXXXX XXXX XXXX XX/XX/2022 EXPERIAN XXXX XXXX XXXX XXXX XX/XX/2022 EXPERIAN XXXX XXXX XXXX XX/XX/2022 EXPERIAN XXXX XXXX XXXX XX/XX/2022 EXPERIAN

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 2020-09-20
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. (PA)

Complaint:
Credit report agency is showing XXXX account Company is showing an account in collections on my credit report for XXXX from a credit card with a limit of XXXX. I attempted to contact this company over the last 2 years several times but was not responded to however they are illegal verifying the debt as valid to the credit agencies and refusing to respond to my request for proof. The company does not respond to emails and I'm not able to speak with an actual person because you need to enter you credit card number or personal information. I DON'T HAVE AN ACCOUNT SO I HAVE NO CREDIT CARD NUMBER AND MY PERSONAL INFORMATION I ENTER SAYS NO ACCOUNT FOUND. THIS COMPANIES LACK OF INTEGRITY AND ACCOUNTABILITY IS CAUSING DEROGATORY INFORMATION TO BE SHOWN ON MY CREDIT REPORT CAUSING ME HARM AND SLANDER MAKING IT IMPOSSIBLE TO LIVE A WORRY FREE LIFE AND FINANCIAL FREEDOM DUE TO THE ERROR THEY REFUSE TO FIX.

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 2019-07-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (IN)

Complaint:
XXXX XXXX ( Cable/Cellular ) has passed a debt on for collection to Enhanced Recovery Company, XXXX XXXX XXXX, XXXX, FL XXXX in the amount of {$820.00} on XXXX/XXXX/2017. I was never informed of any debt and I would like this cleared off of my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (IL)

Complaint:
I have told American Education on multiple occasions that I have an attorney against National Collegiate Trust/NCT therefore I am not allowed to discuss anything with them but XXXX rep advised me they would need my address on file even though I have an attorney, this attorney is only representing me against National Collegiate Trust. XXXX rep advised me if it went to court, they have the promissory notes. I never signed any documents with NCT but like I advised her I ca n't discuss anything and I have the calls recorded. I do not want anymore letters from AES until the case is resolved. NCT has my attorney 's information, therefore they should be able to let AES know this information.

Company response to consumer: Closed with explanation