hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-03-10
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. (WA)

Complaint:
XXXX XXXX XXXX should not be reporting to XXXX  ; Experian and XXXX  that I am ( 90-120 ) days late on the XXXX  XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was granted payment arrangements on this account via the CARES Act. XXXX  XXXX XXXX agreed to the terms of the payment arrangements and assured me that this account would not be in jeopardy under our agreement. I was also told that no late payments would report. XXXX XXXX XXXX did not honor our agreement and consequently they reported this account to the bureaus as being late. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates is seriously harming my credit score and these lates need to be removed. I have contacted XXXX XXXX XXXX as well as the bureaus to fix this however, I have not been successful.

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 2023-08-04
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. (CA)

Complaint:
i notice there is a lot of inquiry that i didn't authorization. and other company my credit without permission and lowering my credit limit. only inquiry i approved is the ones that associated with my open accounts. it's impacting my credit and my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Smith Debnam Narron Drake Saintsing & Myers LLP (NC)

Complaint:
The North Carolina Bar Association accepted my complaint and entered it into record and assigned the complaint for investigation and have initiated an investigation into the violation that an in fact attorney - acting as a debt collector violated my rights when the law firm - XXXX XXXX - through a NC board certified attorney, company staff, XXXX XXXX XXXX, Attorney violated my rights when a Letter was delivered to me through the U.S. Mail signed by the same attorney listed above - violated the Fair Debt collections practices act when the letter contained a demand for monies allegedly owed by me and that the amount the law firm and attorney for XXXX XXXX, by the content signed by her, was in fact more - over and above the amount that their client XXXX XXXX, has attested in dozens of complaints where XXXX Card has stated multiple times through their own validation of the debt amount which is and always has been {$2300.00} as indicated on an attached document with this complaint. 

The attorney, the law firm of her employment, and their client as a whole violated my rights and FDCPA, XXXX laws when they attempted to collect {$1100.00} more than the reported amount by their own client, XXXX XXXX. 

Federal and state laws have been violated by the attorney, firm, and XXXX XXXX  clearly and indisputably along with my rights being violated under both NC General Statutes and Federal law- and are both have Statutory fines that I am entitled to. {$1000.00} for the Federal violation and {$4000.00} for the NC state violations- Also, XXXX XXXX falsely reported to the credit bureaus that I had made three satisfactory monthly payments, three months in a row and was in fact deceptive in this false reporting to the credit Bureaus of this charged off account in an attempt to reset the 7 year collections rule x, all regarding this one XXXX XXXX  charged off account - when in fact I never paid any months payments to charged off account. 

15 USC 1692e 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; or

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
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: Experian Information Solutions Inc. (CA)

Complaint:
***THIS IS NOT A DUPLICATE COMPLAINT ... I AM RESUBMITTING BECAUSE THIS COMPANY IS TRYING TO GET AWAY WITH BREAKING THE LAWS ... THEY CLOSED MY FIRST COMPLAINT STATING THAT I AM NOT WHO I SAY I AM WUEN I SUBMITTED A COPY OF MY ID SOCIAL AND A NOTARIZED LETTER FROM THE NOTARY PUBLIC. I started my disputes with experian back on XX/XX/2020. I put in a dispute for a XXXX account, a XXXX XXXX, and XXXX  XXXX XXXX. These accounts were reported " Verified ''. Previously to this i had reached out to these companies and they were not able to provide me with any information on either of these accounts.I reached out to all three bureaus to investigate why these accounts were showing on my report and I asked each company to investigate this matter. XXXX  and XXXX notified me within 30 days of their investigation that they could not get any information either and the 3 accounts were deleted from my file. I filed the same dispute in XXXX with experian  and as I stated above it came back suprisingly " verified and reporting accurately ''. I found this to be unusual so I requested information from these companies that I was informed by the FTC commission ( I wrote it down ) that under section 611 ( a ) ( 1 ) ( a ) and 611 ( a ) ( 7 ) I could request the original documents that they had on file from these companies and the results of investigation ( section 609 ( a ) ( 1 ) ( a ) which I still have not received. These accounts are still reporting from experian and no one has given me any documentation of what I asked for. I received a response today XX/XX/2020. That under section 611 ( a ) ( 3 ) ( a ) they could not honor my request. I was very specific in my letter and what I asked for. I spoke with a rep and he told me that I was not allowed to ask for that information and that they did not have to provide it and that I must go to the creditor and ask for it. I did that back in XX/XX/2020 and was unsuccessful. Because they did not provide me with the requested documentation section 611 ( 5 ) ( a ) says that it has to be deleted. ( Yes I read this information provided by the ftc ). I refuse to be deceived in their tactics to not properly do their jobs. How can 2 bureaus find nothing but experian says something different? If the creditors reported the accounts to all three then they should have all been given the same information and removed from all 3 bureaus.

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 2022-06-21
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. (NC)

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Complaint:
When XXXX investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$24000.00}, XXXX  XXXX Balance : {$22000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Complaint:
Hello, As you can see from my previous complaint - I simply asked Experian, XXXX and XXXX to update my loans/credit cards as paid in full. Without my consent, Experian has removed XXXX XXXXXXXX XXXX which reflects my credit worthiness to other bureaus as showing I am able to pay in full. Im not understanding why these bureaus exist if they never do anything right. I find myself filing a complaint at least 3 times a year. Im also not understanding why they would think its a great idea to remove a file that shows someone credit worthiness. In addition, Im certainly not understanding why they remove items without the consumers consent. 

I repeat : I never gave them permission nor did they have my consent to remove XXXX XXXX XXXX. I simply wanted them to mark as paid in full and I provided the letter showing it was paid in full. My request was simple and straightforward. Im not sure how they can misunderstand such a simple request, and its written. No where in the comments did I say remove. I simply asked for an update regarding payment status.

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 2021-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (WA)

Complaint:
A collision has occurred ( see attached ) and the vehicle owner also as the cardholder called XXXX to tow the vehicle. XXXX dispatch called XXXX confirming XXXX of their partners responded to the scene and is only XXXX blocks away. For some reason, XXXX XXXX show up, purportedly claiming as the XXXX partner, but dropped off my vehicle into their tow yard instead of the place I wanted. XXXX dispatch called back at XXXX AM claiming they can not find me or my vehicle, then I realized XXXX XXXX had unauthorizedly towed my car without my consent, they demanded payment before they can release my vehicle, I provided them the card to charge, but wrote : " refused to sign ''. Once I have retrieved my car, XXXX local dispatch was contacted at XXXX AM ( see attached ), and XXXX finally towed my car to the right place because XXXX XXXX does not even have my consent to tow my car in the first place. Now when I dispute the charge, the card issuer required me to get a credit receipt, how could I get a credit receipt, if the receipt has been signed as " refused to sign ''?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CO)

Complaint:
It was around XXXX on XX/XX/XXXX while sitting down at my houses table that I decided to check my account balance at the wells Fargo app when i noticed there was a wire transaction that was just made the day before XX/XX/XXXX for the amount of {$40000.00} dollars, I got really confused i asked my husband if he made that transaction he said no I said me neither so we decided to call wells Fargo customer service to find out what happen they told us basically the transaction was made in person and there was nothing they could do over the phone that we had to file a claim in person at a branch. Next day XX/XX/XXXX we went to a branch to file a claim we stood there for about 3 hours they said they were going to make a recall on that money that day which they didn't we found out on XX/XX/XXXX when we went back to the bank they barely did the first attempt on XX/XX/XXXX which isn't right they said wait after the recall 10 days if no answer from the recipient bank they were going to transfer the case to the fraud dept It is been over 2 weeks now and all i heard from them is that they were not going to take responsibility over that money basically If I saved my money there is because i thought it was going to be ok not to find out some one in VA was going to impersonate me to still my money that easy I live in CO how can that be possible at a bank and why they do not want to respond when they allowed someone without nothing but a phone and a PIN number and obviously a fake ID to make a transaction for that amount of money in a state VA which I haven't been when they can see all the transactions are made in CO and for that much money. I went to the sheriffs dept to start a case I hope they are working on it because it is been a really hard last 2 weeks just thinking about that getting no good news from the bank that they do not want to give me back my hard earned money because I firmly believed it is 100 % they're fault for allowing someone to make such a wire transaction that easy I would like to get a lawyer but they said it is hard to fight banks and plus i have no money to afford one I really hope you guys can help me because it is really hard mentally and economically I've been mentally harmed damaged by all of this that ai really hope you guys can help me out with this and help me get some kind of psychologist help or some because by listening to the bank not wanting to give the money back is hard on me and my family even though it is 100 % they're responsibility

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 monetary relief
Consumer complaint received 2021-12-03
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. (MA)

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
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:
I opened a secured card with XXXX XXXX which I funded the card with the balance which was {$200.00}. I never used the card, which was why i was startled to see XXXX late payments and a balance of {$150.00}. 

Come to find out the company stated the balance and charges came from an annual fee which was due in XXXX for {$29.00}. I was never made aware of the annual fee 's at all. Regardless late payments are a result of a consumer obligation to pay on an extension of credit. In this case the extension of credit would pertain to the secured credit card. There was no balance, the card was never used. To report a late payment for an annual fee is a violation of the FCRA and inaccurate. 

My credit worthiness has nothing to do with a hidden annual fee, this account needs to be removed immediately. Account name XXXX XXXX XXXX XXXX Acccount number, XXXX. 

Also to reiterate even if there was an annual fee, I had a balance of {$200.00} with the company the they could have easily taken {$29.00} out of the account to satisfy the annual fee. They didn't do that they closed my account and put XXXX late payments for an annual fee. this is illegal. 

Also you as a furnisher have a duty to thoroughly investigate which I am giving you time to do now, in addition you have a obligation that once you are aware of inaccurate information being reported you are required to remove them. I have made you aware of the innacuracies and I will also attach the company letter admitting the balance and late payments derived from annual fee and not the credit card itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Choice Recovery, Inc. (OH)

Complaint:
Recently while conducting a monitor of my credit report I discovered that Choice Recovery Inc, # XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Choice Recovery Inc, # XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than XXXX XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (LA)

Complaint:
I consolidated my private loans from XXXX to XXXX. Upon XXXX disbursing a check and a letter for any amount in excess of the outstanding loan balance to the loan holder, XXXX gave a refund in excess of the full loan amount. For the exact amount of the refund checks sent to me, the loan holder, they serviced the loans to a XXXX loan-servicing company. This was done unbeknownst to me. I received refund checks from XXXX along with a new loan notice from a company I did not consolidate with, AES. In brief, XXXX deceptively disbursed the loan in full to XXXX, gave me a " refund '' that was the exact amount as the amount sent to a third party service provider in order to collect monthly interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-11
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Alliance One, Inc. (MO)

Complaint:
AllianceOne Receivables, are having my checks garnished at 25 %, on old parking tickets. Parking tickets are from XXXX to XXXX. I have written the courts in XXXX XXXX XXXX XXXX XXXX XXXX Washington once before. The Judge already told the collection agency about the " Statue Of Limitation ''. So the attorney agreed upon recent debt. However, again XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. Does their own Writ of Garnishment For Continuing Lien on Earnings. 

AllianceOne is charging me over 200 % interest or more for parking tickets from {$25.00} to {$40.00} dollars, which the ticket 's are now {$280.00} dollars. 

I believe this is unfair practice and taking advantage of having the freedom to garnish my wages. 

I am ask that CFPB investigate the unfair practice of this Collection Agency that has put a lot of interest on parking tickets and has went pass the Statue of Limitation for collecting on old debt and leaving me in collection with even older debts. 

The attorney 's that Allianceone has representing them is writing their own Writ of Garnishment and taking advantage of filing on unfair debt. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Complaint:
XXXX XXXX keeps reporing incorrect information after the amount owed has been settled with a collection agency they contracted. I paid XXXX  on XX/XX/2020 in the amount of XXXX which was the agreed upon settlement offer. They acted on behalf of XXXX XXXX so this account is paid in full and satisfied.

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 2022-06-14
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. (MD)

Complaint:
I would like to state that credit bureau is in violation of 15 USC 1681B ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I, the consumer never gave any credit bureau written contest to report anything on my consumer report. No consent is identity theft. These accounts are being illegally furnished on my consumer 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 2020-11-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (TX)

Complaint:
Sunrise Credit Services does not hold true to their word. Didn't receive any information about an outstanding bill from XXXX XXXX XXXX ( did not owe to XXXX XXXX XXXX and still sent to collections ). To come to some agreement to make this go away I asked if I paid would this be deleted from my credit. The 1st operator stated it would and they would send me a letter verifying after I paid. That never came. I called back and talked with XXXX XXXX and he stated it would be removed in 5 business days. That never happened. Now I called and was told Sunrise doesn't delete from your credit ( why are there so many reviews stating they do ). DO NOT TRUST Sunrise. 

Sunrise misrepresented the action they would do in order to collect money.

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