hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SG and Associates (IN)

Complaint:
Stafford Group and Associates bought a debt from XXXX XXXX  in the amount of {$5300.00} regarding a charger that I had purchased back in 2019 from XXXX XXXX ( XXXX XXXX  XXXX  ). Within a month, the car 's transmission faulted out and was covered by the warranty under the vehicle. Due to the fact the car was non-functioning XXXX XXXX  agreed to return my initial deposit and 1 payment that was made on the car. Because they gave me back my deposit and payment we signed paperwork completely dissolving the agreement that was signed, by mutual agreement. Stafford Group & Associates is now trying to collect on a debt that was dissolved. This is inaccurate, illegal and I have the paperwork from XXXX XXXX to prove this. I have never had any contact with Stafford Group & Associates either regarding this debt.

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 2022-09-05
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. (NC)

Complaint:
There is a charged off account on my credit report. Its reporting as open, but it is charged off. 
How can a charge off account be open. 
Thats illegal.

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 2023-03-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
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: Experian Information Solutions Inc. (CA)

Complaint:
On XX/XX/2022 I filed a complaint in Experian website about my credit report. In their report they were duplicating my student loan balances that has been transferred from XXXX XXXX to XXXX  XXXX. Basically they showed as I had double the amount of student loans : the original balances with XXXX XXXX before the transfer appeared as open with the original balances instead of {$0.00} balance and that they had been closed and transferred. 

On XX/XX/2022 I received a notice stating that the report will stay as it was reported, thus keeping the error. I tried to upload the letter or statement from XXXX XXXX showing that all my student loans had been transferred and the balances was {$0.00} and thus the accounts closed. I could not. I called Experian telephone number suggested in the website to resolve the problem that afternoon and I talked to a representative called XXXX. He said that Experian has contacted XXXX XXXX and told them that I still had those balances and accounts, which is not truth and suggested me to call XXXX XXXX instead of correcting their errors. Afterwords I tried again to upload the letter/statement from XXXX XXXX showing that all my student loans had been transferred and had {$0.00} balances but I was unable to do so. Instead Experian seemed to want to sell me membership and services that I don't want or need.

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 2022-05-13
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. (NY)

Complaint:
The following late payments are billing errors pursuant to 15 USC 1666b

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 2022-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CO)

Complaint:
I made a {$5000.00} payment on one of my chase credit cards. Unbeknownst to me, the default payment account had defaulted to an older account I dont use. I didnt notice this when I made my payment. 

As a result My payment was returned to to insufficient funds. Chase mailed me a paper letter stating the payment was returned. By the time I got it, my payment was late and reported to XXXX XXXX causing my credit to drop over XXXX points. 

I have been a customer for XXXX years with a perfect payment history. Ive never been late before, and use online banking for everything including the alerts I get from chase that they received my payments, or I have a payment due. Why chase didnt send me an email Notifying me the payment was returns baffles me. There is zero grace for an honest mistake and obviously an attempt to make a payment was made. I immediately rectified the mistake when I got the paper notice, but by then it was too late. I called customer service and received a sorry its all automated nothing we can do. 

This lack of customer service, especially for a loyal customer with a perfect payment history is beyond disappointing. Additionally the communication method used for such a time sensitive and important issue is unacceptable, especially when I have text alerts and email as my preferential forms of communication. They did not give me an opportunity to correct an honest mistake in a timely manner and as a result my excellent credit rating dropped to fair. The lack of attention to the matter when I called is also beyond disappointing. This is especially disappointing because we were in the middle of trying to get an RV loan that was offered to me at an extremely high rate due to the negative impact on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
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: TD BANK US HOLDING COMPANY (CA)

Complaint:
The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

TD AUTO FINANCE XXXX Late Date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NC)

Complaint:
CACH LLC has reported an account in the amount of {$26000.00} on my credit report. I have send multiple letter to the Credit Bureau and to CACH LCC to verify what this account is for and I have not received any of the requested information. The letters were mailed on XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. To date, I have not receive any response. I have been attempted to resolved this issue for almost a year now. I am requested that the account be removed from my credit report due to CACH LLC non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
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. (MI)

Complaint:
Upon recently checking my current credit report I noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX  XXXX  XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

Complaint:
NATIONAL CREDIT SYSTEMS INC After reviewing my credit report i have noted some discrepancy on Account Number XXXX XXXX validation was requested and none was provided. I have not received any correspondence from them only harassing calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
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: SYNCHRONY FINANCIAL (IL)

Complaint:
did not authorize inquiry

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 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Complaint:
I received an email last week stating that I had a debt of {$670.00}. Which is owed to the department of Treasury. 
I have zero knowledge of this debt. 
I file and pay my taxes on time every year. 
I can not get anyone at the department of Treasury to respond to my request and I have no idea what this is. 
What is my next level of escalation on this 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 2022-07-13
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. (FL)

Complaint:
on my credit reports it shows a differnt number of accounts one says 27 other 28 and other 26. All are closed due to banckruptcy due to wifes XXXX XXXX issues and medical bills. My credit file says they are delinquint and they are not they are all closed and should not be on my creidt report as still outstanding. Also i have paid my mortgage and vehicles on time never late on only one of the three credit reports show it.

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 2023-03-09
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. (WA)

Complaint:
accounts are either listed as charged off, collection, or closed and showing a past due amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

Complaint:
arg will not provide me with a hipa transcript with what their billing me for if i dont get this i will file lawsuit against XXXX  XXXX  unless they provide me with my hipa transcript

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
XXXX  and Transunion showing I was late on 3 payment totaling 120 days from the Office Of The Attorney General of Texas XXXX XXXX Division which is inaccurate as I have never been late. I had my my phone interview about my case worker I sign the paperwork and they sent a notice to my employer to garnish my wages and the company complied. So I never had anything to do with sending payments as it came directly out of my check so I have been late. I have mail in a dispute letter to both XXXX  and Transunion with no reply on XX/XX/2019 and have yet to receive any correspondence back

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 2021-06-16
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. (GA)

Complaint:
XXXX XXXX is reporting a debt on my credit file that is erroneous. This debt has been paid, and they continue to report this debt and ding my credit. It is absolutely absurd that they continue to hurt my credit, even when it has been paid. I am requesting that they they fix this issue as I no longer owe this debt.

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 2023-10-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (GA)

Complaint:
I disputed with this creditor for multiple FCRA violations. The creditor has listed a balance of XXXX $ along with a collection thats already charged off. The creditor has reported late payments in addition to a closed collection account. I disputed this account on XX/XX/2023, XX/XX/2023 and XX/XX/2023. The creditor reported this account meets FCRA requirements but violated the FCRA multiple times

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 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Complaint:
Transunion, XXXX and XXXX has not corrected my Credit File to  reflex what is actually been paid in full. 

XXXX XXXX and XXXX XXXX XXXX should show a XXXX   Balanced Owed. My Credit ScorXXXX has dropped from XXXX to XXXX due to this Misinformation from these three Credit Reporting Agencies. I want them to correct my Credit File so I can get Credit again. As of this date I have been Rejected for Credit Cards and.. 

Car Loans because of this Misinformation showing I owe on these two accounts that are Closed with a XXXX Balance Owed. 

Waiting for a Reply, XXXX 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 explanation
Consumer complaint received 2023-03-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC (OH)

Complaint:
Credence Resource management popped up on my XXXX report showing an amount of {$190.00} owed on XX/XX/. I disputed it because I had never heard of this before. No calls, letters, anything of that nature. XXXX ruled in my favor XX/XX/, removing it from my report. I mailed a letter requesting verification of the debt. On XX/XX/, Credence Resource Management showed up on my XXXX report for the same amount. I disputed it. While waiting a month for a resolution, I have not heard back from them regarding my request. The dispute was resolved XX/XX/XXXX  in favor of CRM. I have emailed to try to get more information about this debt. I have only received an email that was password protected. The password is invalid. I do not even know the account number to even try to begin to resolve this debt and my requests keep going unanswered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-20
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: Experian Information Solutions Inc. (GA)

Complaint:
Received an update credit report, no changes nor response to why.

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 2019-04-09
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. (MO)

Complaint:
My credit report is filled with discrepancies, and unauthorized accounts inwhich I'm now disputing and have disputed. The credit reporting agencies have deemed the disputed accounts as verified but did not support this with any hard copied documents that shows ownership. I'm respectfully requesting the Method Of Verification used in process of these accounts inwhich I'm disputing, ( 1 ) XXXX XXXX XXXX {$240.00}, ( 2 ) XXXX XXXX XXXX XXXX {$3600.00}, ( 3 ) XXXX XXXXXXXX XXXX {$0.00}, ( 4 ) XXXX XXXX XXXX {$600.00}, ( 5 ) XXXX XXXX {$3300.00}, ( 6 ) XXXX XXXX {$0.00}, ( 7 ) XXXX XXXX XXXX  {$480.00}, {$290.00}, {$240.00}, {$150.00}, ( 8 ) Missouri XXXXXXXX XXXX {$9300.00}, {$5300.00}, {$5000.00}, {$2700.00}, {$1300.00}, {$120.00}, {$94.00}. 
Please block all accounts above.

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 2022-10-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Advocates Professional Services, Inc. (UT)

Complaint:
The third party collection agency, Advocates Professional Services, out of NY. They have threatened to take out a suit or judgement on me for attorney fees. Attorneys in my state ( Utah ) are responsible for not running up outlandish bills that are outrageously expensive and expect people to pay, you dont see the bill til after they tell you they did XXXX a month work for you?? How do you fight that?? My parents already helped me pay the attorney XXXX. Then they couldnt help anymore. Im still paying them off for that. Then the attorney billed me close to XXXX in a two-three month period. Im a single mother, stay at home mom. I cant pay that bill. The attorney should have had reasonable fees. Those are not reasonable at all. Another attorney Ive talked to says I could try and get that debt taken down or removed for unreasonable fees. But, I have no money to pay one attorney to go after another. Its been a mess, the third party collection agency keeps threatening me with deadlines to wire them XXXX or XXXX owe XXXX if I dont pay them. I have XXXX resources to do that. They are saying they will put a writ of attachment to my marital assets which are all still tied up with the court. I hired the attorney that Ive paid XXXX and now wants XXXX to just help me with a divorce in 2019. Im still not settled with child custody or separation of assets. He, the attorney, basically got me a protective order again my ex for XXXX. Come to find out the district attorney would have done that for me for free. Of course, he didnt mention that. I explained my situation to the collection guy and he just says he doesnt care about that and he will go after my mom and dad too. My mom was with me when I retained the attorney, my dad has never even been there, and their last voicemail to my mom, was saying they would go after her and my dad. I can send all the emails and screenshots of the voicemails. I just feel very scared and threatened to come up with an amount of money that I dont make in seven years of working! Hopefully I hear from you soon. Thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Complaint:
I would like to request proof of original debt in addition to the original contract that I signed, including providing billing statements for the last several months and the original contract I signed when opening the credit card account with 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