hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-11-28
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

Complaint:
On XX/XX/2021, my credit card has been closed due to inactivity. I called my provider on XX/XX/2021 requesting to reactivate my card. They said, No we can't. However, the credit card agreement does not mention anything about reactivation not being allowed. I had this card for almost 4 years and Oldnavy Synchrony does not help on resolving the issue.

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 2022-11-02
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. (NY)

Complaint:
I keep getting hard inquiries on my credit report for the past year. Last time I looked there was something like 30 of them on all three credit reporting agencies and they tell me you can not dispute it. They are not mine and I would like them all removed immediately.

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 2017-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

Complaint:
I have sent several disputes to the collection agency and to the credit bureau regarding an account IC Systems is reporting on my credit reports. I have asked them to send a copy of a signed agreement and account history as proof that the account belongs to me. They have responded with a settlement letter and a payment invoice created by their company. They continue to report the debt without legal validation of the debt in violation of the Federal Debt Collections Practices Act and the Fair Credit Reporting Act which requires that all information reported be accurate, complete and verifiable.

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 2022-03-25
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. (DE)

Complaint:
I made arrangements on this account XX/XX/XXXX and XX/XX/XXXX. During that time I was unemployed and there was a extensive waiting period for unemployment benefits. I was able to make payments with my income tax return and my stimulus check however with my unemployment still pending I fall behind on all my bills. 
I was in communication with XXXX XXXX. 
The late payments were reported to the credit bureaus. Per the CARES ACT if the borrower makes arrangements of any kind it is to continue to report the same prior to the delinquency. XXXX XXXX failed to report it correctly. And the credit bureaus have failed to comply to the cares act. 
XXXX XXXX Account Number : XXXX Late payments reporting XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

Complaint:
Experian has been reporting this account for years. I have tried to get this account removed because of Identity Theft. Every time they send me a letter back saying that this debt is valid and confirmed. I tried reaching out to the debt collector company and found out that XXXX XXXX XXXX is permanently closed effective XX/XX/XXXX. I sent mail to this company myself on XX/XX/XXXX, and the entire envelope I sent to them came back as undeliverable on XX/XX/XXXX, which confirms their closing down. The dates on the report are from XX/XX/XXXX to current.

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 2017-03-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JH Portfolio Debt Equities, LLC (NJ)

Complaint:
In XX/XX/XXXX I had a payday loan with XXXX in the amount of {$500.00} - the APR at 390 %. Upon paying the loan I was told I received a loan in the amount of {$600.00}. I informed XXXX I received {$500.00}, and had their documentation to prove it. However, a few months later I came to realize payday loans were illegal in New Jersey or at best there were usury limitations which clearly XXXX had exceeded.. 

I had three payments debited from my bank account, and before the fourth I sent XXXX a letter stating Payday loans were illegal in NJ and also mentioned usury law, and at this time I was revoking my ACH withdrawals, but would repay the principal via money order - which I did. XXXX stated they were not governed by NJ Law, but is governed by the XXXX band of XXXX of ND, and the principal and interest would have to be paid even though there payments are mailed to XXXX, IL. However, I repeated what I stated in my previous letter to them, and continued to pay the principal balance. I soon received phone calls from their Customer Service Dept., stating I owed money and if not repaid ( principal and interest ) it would be turned over to their Collections Dept. From that point on calls I received from XXXX were identified as Fraud Dept. and the same goes for the emails I received ... Fraud Dept. Eventually, approximately three months later the calls stopped. 

Now, in XX/XX/XXXX I have received a letter from a Collection agency with their letterhead reading Credit Control , LLC in XXXX MO and the Creditor is listed as XXXX. The address listed for Credit Control LLC is XXXX, XXXX MO XXXX. Phone number is XXXX. There is n't any information on XXXX XXXX, XXXX - just listed as the Current Creditor, and XXXX as the Original Creditor. The debt owed on this paperwork is {$1000.00} which is simply not true. I see several online addresses on XXXX XXXX ( which I listed below ). Also, in researching XXXX XXXX it shows the BBB had downgraded to an XXXX in XX/XX/XXXX, and the FTC filed an injunction on XX/XX/XXXX 

XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX, XXXX. XXXX, FL XXXX I 'm not sure who this company is or what name they do business under - or how they continue to do business. The FTC has filed an injunction against them and they have been downgraded to XXXX with the BBB, and list an amount owed that is untrue.

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 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

Complaint:
On XX/XX/2020 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. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Complaint:
A balance is reporting on my Capital One account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off XX/XX/2019. I have tried to resolve this issue directly with Capital One and they have failed to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: RSI Enterprises, Inc. (NV)

Complaint:
There are a couple items listed on my credit file which are unknown, several times I have disputed with no response. Please help assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (TX)

Complaint:
Due to the recent COVID-19 guidelines, I was forced to close my XXXX. I reached out to American Express on XX/XX/ to ask if I could lower my monthly payment or have a reduction in interest. I also suggested I transfer the balance to a different card with lower interest and was told I could not do that. It is common for me to spend 10-20k on this card in a month, on behalf of my XXXX, and I have always paid it in full monthly. I have never had a late payment with this creditor. The representative refused to work with me and kept responding with the interest rate of nearly 24 %. I asked if I could speak with someone else regarding the situation and was then disconnected by American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
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. (FL)

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

15 U.S.C 1681 section 602 A. States that 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DLC, LLC (NV)

Complaint:
Dollar loan center has reported incorrect late payment marks on my loan with them. I spoke several time with different representatives to set up payment arrangements. I followed through with the payments and was advised that as long as my arrangements were kept I would not get late payments. I was advised this by more than one representative before the loans contract expired. They were aware that my arrangement put me past the expiration date and I was still advised to negative credit reporting would happen if the arrangement was kept, which it was. I still continued to get harassing calls everyday even while on the arrangement. This account is now paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Complaint:
I am not liable for this collection debt with XXXX XXXX who sold my personal info to Portfolio Recovery Associates " without my consent ''. I do not have a contract with XXXX XXXXXXXX or Portfolio Recovery Associates, I have requested & " They did not provide me with the ( original contract or application ) '' like I asked after explaining that the account was fraud. they sent me a bill not the actual contract or agreement or my consent to even forward my personal information in the first place Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
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've submitted dispute documents on Monday, XX/XX/2021, XXXX XXXX to Experian disputing a bankruptcy, and on Saturday, XX/XX/2021, XXXX XXXX to XXXX. Both companies are reporting my bankruptcy as accurate even though XXXX and XXXX could not find any information of a bankruptcy at all and deleted it from my report. I've contacted both companies and have not received the proper results.

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: 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:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

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 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Complaint:
So for the past 8 months I have been trying to get a charge off removed from my Equifax credit report. This charge off isnt mine, but Equifax has it as my old XXXX XXXX account. When I did further research I found that this account was clearly paid in full and then later closed the account. I've given Equifax the letter from XXXX XXXX XXXX showing account paid in full but they still refuse to remove it. I do have an attorney involved and will pursue a lawsuit if this matter isn't resolved. I want this charge off removed immediately. It has hindered me in attempts to get a business loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
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: Experian Information Solutions Inc. (TX)

Complaint:
I am having a difficult time getting Experian to remove an account that they are inaccurately reporting. I have sent many dispute letters to the point of no avail. They are reporting that the account XXXX XXXX XXXX XXXX XXXX was late 4 times and eventually charged off. This is not true. The account was never charged off and I have contacted the company to ask for the 1099c form and to see what company it was sold to and they reassured me that the account was closed and not sold. During 2020, I was on deferment due to XXXX so there should be no late payments according to the FCRA. Also, both XXXX and XXXX are not reporting this account so there is no way that Experian is in compliance. I am asking that Experian removes the account from my credit report or update the account to paid as agreed never late, removing all late payments for their negligence. I am aware that I can be compensated up to {$1000.00} per violation, but at this time I am only interested in the deletion of the inaccurate information to reflect my true credit profile as this is causing me extreme distress. I do look forward to a response within 15 days.

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 2021-05-25
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Personal information incorrect
Company: AES/PHEAA (OK)

Complaint:
myFedloan never notified my of the change in deferment, they never notified me vial mail or call regarding this which reflected missed payments on multiple loans on my credit report. I have made several attempts via phone and letters to fix this issue but I have not been able to get clarity and I am asking these derogatory marks be rescinded as they have failed to update my contact information, address and my accounts should have and still are in deferment My DOB is wrong in their system I have sent in numerous letters and called regarding this to get this amended, without avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Complaint:
I signed up under the BONUS400 promotion, which states : " Open a XXXX Checking account between XXXXXXXX XXXX. ET on XX/XX/XXXX, and XXXXXXXX XXXX ET on XX/XX/XXXX. When you open your account, enter your promotional codeBONUS400. Receive at least 2 direct deposits totaling
{$1000.00} or more to your 360 Checking account within 60 days of account opening. A qualifying direct deposit is an Automated Clearing House ( ACH ) credit, which may include payroll, pension or government payments ( such as Social Security ) by your employer or an outside institution. '' I opened the account on XX/XX/XXXX. I received the following direct deposits : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX The terms stated it should be paid by XX/XX/XXXX. It is now XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
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. (FL)

Complaint:
TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT XXXX  XXXX- Reported : XX/XX/2020 - {$8900.00} Closed To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 
What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 
Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case Fields v.Wilber Law Firm, XXXX XXXX XXXX and XXXX XXXX, USCA-02-C-0072, 7th Circuit Court, Sept 2004.. 
Copy of the credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
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 am submitting this CFPB Complaint regarding fraudulent items on my credit report. I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score. I believe that the fraudulent items on my credit report are the result of identity theft, and I am deeply concerned about the potential impact on my financial well-being. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that these fraudulent items are removed from my credit report and that my credit score is restored to its previous level. I need the following items removed from my Credit FIle : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} ABILITY XXXX XXXXXXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$6600.00} XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on 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 non-monetary relief