hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (NY)

Complaint:
My credit report is being reported wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
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: Experian Information Solutions Inc. (IL)

Complaint:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MTR XXXX XXXX XXXX XXXX XXXXXX/XX/2021

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 2018-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Complaint:
XXXX Credit card was closed XX/XX/XXXX and there was a delinquent remark on XX/XX/XXXX from both TransUnion and 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 explanation
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Complaint:
I am having an issue with Experian in reference to the details that they are reporting on the membership side of my credit. This is directly affecting my FICO Score. I have repeatedly reached out to their company only to be yelled at by their customer service agents and told that theres nothing they can do and to reach out to different parties that have nothing to do with what Experian is reporting. I am enrolled in Experians monthly membership that allows me to view my credit report at any time. There are no negative indicators whatsoever on my credit report. A fact that the Experian customer service representatives have acknowledged multiple times. The issue is on the membership side of Experian it is showing that I have a serious delinquency of 60 days or greater and that I have one account with a late payment indicator. This is not present anywhere on my credit report and I am asking Experian to correct and update the information that they are reporting. They have refused and failed to do this on multiple occasions. If my credit report is not reflecting any negative indicators I should not have negative indicators on the membership side of Experian that they are sending to FICO. 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
Consumer complaint received 2023-01-13
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: ACIMA CREDIT, LLC (CA)

Complaint:
Acima Digital FKA Simple reported number XXXX. Date opened XX/XX/2018. Disputed with XXXX, XXXX, and XXXX multiple times requesting proof of debt or removal. Called Acima, but they couldn't find an account with my cell phone number ( I have had this number for almost 15 years ) and asked for proof of debt, and a contract by mail. called XXXX and initiated another complaint requesting proof of debt or removing the file. 

I have proof of identity theft, address, phone numbers, and social security number that is not mine over the last 10 years I have proof of a change of address XXXX unauthorized, data breaches, and leaks. 

This debt has caused hardship, and applications were denied due to the derogatory mark that ultimately lowered my score, and caused a higher percentage on my auto loan. 

XXXX and XXXX removed the account from my report for Acima failing to comply with FTC, my right to information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
The information listed doesnt belong to 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 2021-02-24
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. (WA)

Complaint:
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
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: EQUIFAX, INC. (NC)

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 paid on time. It has been over 60 days so they should be corrected promptly. I demand these 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 Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
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: EQUIFAX, INC. (FL)

Complaint:
This is my OTHER 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 XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX Balance : {$0.00}XXXX XXXX XXXX XXXX XXXX Balance : {$140.00}XXXX XXXX Inquired on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
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:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! 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 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (MD)

Complaint:
This account was closed and paid in full but showing as a collections account on my credit 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 2022-07-29
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. (CA)

Complaint:
In accordance with the Fair Credit Report act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  account XXXX loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.AC 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumers to any 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 2021-02-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC (IN)

Complaint:
Approx 4 months ago, I noticed a ding on my credit score through XXXX. I pulled up an apparent debt of {$670.00}. On my report the original creditor was Indiana XXXX XXXX XXXX XXXX located in a town about 30 miles east of where I live. I knew immediately this was false since I only see doctors at the VA or through XXXX XXXX. Also the only place I have been for emergency care is through XXXX XXXX in my town. Initially, I attempted to dispute the debt through XXXX  however, the debt was not removed. I then called the billing office for Indiana XXXX XXXX and they stated they have nothing on file for me even using my old last name and my current. I then called the collection agency who told me the debt was sent back to the main creditor Cascade Capital. I had to google them and the only information I saw on the collection agency based out of California were numerous complaints of Cascade Capital doing to others what they have done to me. The XXXX has over 60 complaints of similar stories also. I could find no phone number for this agency and no website. Eventually, I came across a file ( I will include said file ) stating Cascade Capitol lost their business license as of XX/XX/21. I just want this so called debt removed from my credit report and right now, I have no way of doing so. Not to mention this is a false debt. 
PS-I was unable to upload anything, the upload tab is not working! I do have copies I wanted to include.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (PA)

Complaint:
I opened my CITI secured card in XX/XX/XXXX. By XX/XX/XXXX, my secured card was closed and my e statements were restricted shortly after that. In XX/XX/XXXX, on numerous occasions I called in to inquire about my Citi bank credit card. The debt is listed on my credit report as failed to pay. Citi bank has horrible customer service representatives that are not thorough when review information or providing the facts that I requested. I paid a security deposit to my account so when my account was closed the amount owed was XXXX. I was charged fees that were not valid and Citi has refused to address my concerns for the past year. In XX/XX/XXXX, I formally filed a dispute via mail and receive a generic response stating that Citi was favored in the dispute process which is overtly biased based on their internal team review the account. I never got information that I requested about contacting the credit management department or any other department beside their recovery team who have been little to no help. Their ways of handling consumers and their monies are erroneous. It's a power struggle working with a big company that has created a maze of tunnels so that consumers are frustrated befor their concerns are met with solutions. In summary, I do not owe any amount over the balance after my account was credited. I would like to have a manager from the credit department contact me about this matter. Also, I would like to be provided a letter with the date of closure and reason why the account was closed in the first place.

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 2022-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
I sent multiple letter to the three bureaus, they have not responded in a timely manner required by the fair credit reporting act

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 2021-01-15
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. (NY)

Complaint:
It is understood the Fair Credit Reporting Act ( FCRA ) requires a creditor or other business to give copies of applications and other business records relating to transactions and accounts when requested in writing. In its XX/XX/20 Investigation Notice XXXX and subsequent communications TransUnion reported it received and verified all transactions and accounts of XXXX XXXX # XXXX. Upon phoning XXXX yesterday, XXXX employee # XXXX confirmed the existence of its verified records provided by XXXX but refused provision of these business records relating to transactions and accounts. TransUnion has been repeatedly, in writing, requested for 178 days to provide applications and all other business records relating to fraudulent XXXX XXXX # XXXX, XXXX XXXX XXXX,, XXXX, TX XXXX, ( XXXX ) XXXX transactions and accounts. Please provide all documents/records by return email to 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 explanation
Consumer complaint received 2022-05-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Education, LLC dba Aidvantage (FL)

Complaint:
This complaint is about Aidvantage. I have tried 3 times to have my loan payments reduced and have sent in all of the documentation. I was able to have the payment reduced last year and understand that I have to re-apply every year. Since splitting from XXXX, who reduced my payments using the same documentation ), Aidvantage finds fault with the same paperwork and denied my request for reduced payments. I talked to them about three weeks ago, around XXXX or so, and asked them what more can I do. I also asked the agent to have her supervisor actually look at the document which is a monthly statement from the company that sends my pension payments each month. They promised to look into it, however, I received an email this morning XX/XX/29, that never mentions the reduced payment request. They also have incorrect information regarding the covid-19 relief measures which have been extended, however, I never stopped making paymenst on my loan. This reduced payment option will expire soon and as of XX/XX/XXXX, they expect me to pay over {$700.00} per month. I am retired now because of a layoff and certainly can not pay that much and they are aware of the fact because I have sent them the information that confirms that I do not have enough income. When I was working making triple what I receive on a monthly basis, I never had to pay that much. I need help because I am not getting anywhere with them. I'm out of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
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:
Choose according to account type. These can be combined My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alorica Inc. (TX)

Complaint:
A company called " West Asset Management '' entered my phone number into an autodialer simply based on the similarity of my last name ( a common name ) to that of the debtor they were trying to locate. 

The autodialer voice prompts include an option to indicate that the debtor can not be reached at this number, but that prompt has been XXXX or is not functioning. 

When called back, an agent refused to identify himself or the company her represented. When called back again, an agent did identify their company, but refused to acknowledge they were a debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
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 do not believe that an investigation was done because there are still unauthorized inquiries on my report. I have already filed a report and sent letters to the credit bureaus 7 months ago explaining that the inquiries being reported are not correct. I will attach the letter with this complaint. The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove the following from my Transunion report immediately : XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX is duplicate but an actual account ***** XXXX  XXXX Inquiry XXXX XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX **** XXXX  is accurate but duplicate Inquiry *** XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/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 2018-11-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NJ)

Complaint:
Have 6 transaction in one day, but only enough funds to cover 5 transaction, But chase charge me 3 overdraft fees ( which the agent told me was the max they can charge for the day ). They said they processed the largest transaction first, but the largest transaction will not cover the funds available.

Company response to consumer: Closed with monetary relief