hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-12-03
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

Complaint:
Disputing {$50.00} charges on XXXX dates from XXXX XXXX XXXX to my credit card account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( Some charges happened when my credit card was locked ). The amount is in error because, in XXXX of XXXX, I updated my payment method and removed my card from the account. Per the XXXX XXXX XXXX policy, customers can do so if they need to change or update the payment method. Nowhere in the agreement states that the company will keep deleted information and use it later. Furthermore, the company tried to charge my credit card and the other accounts I had on the website. They only tried once to set the monthly fee of {$140.00} once but at no time did I authorize XXXX dollar payments to be withdrawn from my account at any time of their choosing, as they indicated by their false and misleading authorization information. Would you please reach out to XXXX XXXX XXXX and ask them for documentation on where I authorize the {$50.00} charge? Also, I reached out to XXXX XXXX XXXX about the unauthorized charges ( See emails ). I was informed that changing and deleting my past billing information doesnt stop them from charging that account that isn't authorized to be charged. I asked them to stop debiting that account, and they refused. I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. I request that Capital One take no further deduction from the credit card account until the notice of termination period has expired. Enclosed are copies of emails I sent regarding this issue supporting my position and experience. Furthermore, looking at my credit card statements, I didnt use that account to make a payment with XXXX XXXX XXXX since I updated my information in XXXX. Please correct the error on my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
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. (NC)

Complaint:
I sent letters with multiple request to have credit inquiries removed that I did not recognize from my credit reports. XXXX removed the inquires, XXXX and Experian refuses to remove the inquiries.

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 2023-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C. (MO)

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under USC 15 USC 1681 Delete All Accoun

ts 1 ). 602 ( A ). Congressional In findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) State I have the right to privacy, accurate and fair reporting. 2 ). 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. A consumer reporting agency can not furnish my account without my written permission Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 3 ) .15 USCc ( a ) ( 5 ) No consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 4 ) 15 USC 1681 S-2 ( a ) ( 1 ). A person shall not furnish any information to any consumer reporting agency if a person knows or has reasonable cause to believe 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 explanation
Consumer complaint received 2018-04-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Credit Service, Inc. (CA)

Complaint:
XXXX XXXX from XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX, IL XXXX, has contacted me by phone and informed me of a debt that she is trying to collect. 
She told me that the debt was from a XXXX credit card and the unpaid balance was XXXX dollars plus interest of XXXX dollars and that I should pay this immediately or she would turn it over to the attorney. I requested that XXXX send me information about the debt proving that it is mine. XXXX stated that a letter had already been sent. 
I have not received any mail from ARA Inc. I did, today send a registered letter requesting information about the debt in question and I dispute ownership of this debt. I believe the threat of legal action and the attempt to collect XXXX XXXX in interest are both illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: PRESTIGE FINANCIAL SERVICES INC (AZ)

Complaint:
In XX/XX/2018 I contacted Prestige Financial to surrender my vehicle due financial hardship after and accident. Prestige picked up the vehicle and after taking possession of the vehicle they did not send me any notice of intent to resale the vehicle nor did they send me and updated balance after the vehicle was sold the Reported the original balance as a charge off collection and has been adding interest to it. I have filed disputes and the company has not supplied and proof of the resale nor balance after the resale and continues to report the information incorrectly as well as garnishing my pay. 

I have asked all three major credit agencies to remove the inaccurate data from my report however they fail to do so. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
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: EQUIFAX, INC. (VA)

Complaint:
I have sent letters to Credit Reporting Agencies XXXX  and Equifax for the following FCRA violations : 1.Pursuant to 15 USC 1681b ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give these credit reporting agencies any written instructions to furnish the following inaccurate accounts.

2.Pursuant to 15 USC 1681a ( 2 ) ( b ) a consumer credit report should not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. They are in violation of the above-named Title and Section.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
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: Cedars Business Services, LLC (TX)

Complaint:
I received an alert that a hard inquiry was made on my credit by Cedars Business Services ( XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ). I called the company and they stated the wrong month for my date of birth then told me because of that they could not provide me with any information. They said they would investigate and call me back, which they never did. I never gave this company permission to pull my credit. I have requested they remove the inquiry but they only stated they can not give me further information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: U.S. BANCORP (OR)

Complaint:
Called me on a XXXX debt I 'm not even sure exists, although I did have an account there at the time. Then when I mentioned the statute of limitations in Oregon, XXXX in the litigation department claimed that overdraft fees to a federal bank are n't protected by state statute of limitations. I got payment plans and called back after talking to my wife and looking online. They said their company name was XXXX. I asked them for their address and they refused, they also contacted me from numerous phone numbers from different areas in the United States. So I told them to stop calling or we would talk to a lawyer for unfair practices.

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 2017-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (GA)

Complaint:
On XX/XX/2016, I completed the rehabilitation process of my student loan with XXXX. Rather promptly, XXXX deleted their default tradelines from all of my credit reports as agreed. XX/XX/XXXX, I received correspondence from XXXX ( Sallie Mae ) that my loan was assigned back to them after rehabilitation. This correspondence was dated, XX/XX/2016. I took this as the start of the 30 day clock of notification that my student loan had been rehabilitated and to remove their default status per 34 CFR 682.405 ( b ) ( 3 ) ( ii ). 
On XX/XX/2016, I disputed the Sallie Mae tradelines with XXXX and XXXX. The tradeline was updated on both credit reports ( not sure what was changed ) however the default status persisted. In addition to that, on XXXX a new tradeline was added with the same account number, under the XXXX name with the default status also and tanking my scores! I have since disputed that tradeline which the investigation is ongoing as of today. 
On XXXX, I disputed the Sallie Mae default tradeline on XX/XX/2016. The investigation completed on XX/XX/2016 with an updated status. Like the other XXXX credit reports, the default status remained and is present today. 

The above clearly shows Sallie Mae/XXXX to not only be negligent as the lawsuit filed by the CPFB alleges but also willfully non-compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

Complaint:
Had some challenges over the years making student loan payment payments ( XXXX ; and again in XXXX when I lost my job. Called to get help and each time the only option given to me was forbearance. I was never offered any other types of assistance or programs. As a result, I am in more debt now that every before. The student loan amounts are listed in my credit report multiple times causing a negative impact on my credit score. I owes thousands in loans ( mostly from interest, fees, and forbearance ). This has caused a tremendous hardship on my family. It would have been nice to know that I could have been enrolled in an income based repayment program based off my income so that I could have kept up with my student loans -- and not pushed into forbearance as my only option. 

I have called XXXX XXXX, wrote letters, but nothing helps.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc. (TN)

Complaint:
This account was suppose to be deleted this account was a result of identity theft. Other credit bureaus deleted the information and XXXX failed to remove and I have sent Police report and Identity Theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
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. (TN)

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX, Account number XXXX, has violated my rights. 

XXXX XXXX XXXX, Account number XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 

XXXX XXXX, Account number XXXX, has violated my rights. 

15 U.S.C 1681 Section 604A states that I have a right to privacy.

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

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 or any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have 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 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAVALRY INVESTMENTS, LLC (TX)

Complaint:
Calvary SPV 1, XXXX XXXX  and XXXX XXXX XXXX, XXXX XXXX. 
These companies continue to harass me about a debt I told them is fraudulent because someone who died created this debt using my name. I am tired of the threats and whenever I tried to contact Calvary. They state that they can not locate any account for me. Now Im receiving threats to seize my personal property. I contacted the court in XXXX who stated that I do not need to worry about coming to court because the case is no longer valid and has been dismissed. After months I contacted them again and was told they are coming to take my property. The name of the receiver is XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX TX XXXX XXXX. XXXX, XXXX. I have a XXXX XXXX and unable to deal with these people in my condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: United PanAm Financial Corp. (OH)

Complaint:
This account is unauthorized and has invalid information and violates my privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 Section 602 States I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
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. (AZ)

Complaint:
Hello, for several months/rounds I've been submitting complaints to the credit bureaus regarding the following information : unverified derogatory items. 

Per Sec. 401. Of The Credit Act of 2020 Adverse credit information Any other adverse item of information relating to the collection of debt that did not arise from a contract or an agreement to pay by a consumer is to be REMOVED FROM MY CREDIT FILE. DEROGATORY info is to be removed. 

Collection : XXXX No Contract / Agreement Account numberXXXX {$5000.00} There's also an unauthorized INQUIRIES SUCH AS XXXX XXXX XXXX XX/XX/2020 never authorized this inquiry, amongst others. 

Also The law also speaks to correcting/updating student loan data as this is also not to be held against me. Please ask bureaus to update these and also " late '' payments as I dont show receipt of late payments on my end.

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 2023-08-22
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. (VA)

Complaint:
If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXXXXXX Balance {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$22000.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-03-09
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 writing in regard to the above-referenced accounts and transactions. This vehicle was repossessed by in the State of GA on or about, XXXX, and resold on or about XXXX. Under the laws of the State of GA UCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. There was no full investigation of reasonable procedures for my dispute requests NOR was my DEMAND for validation through documentary material met. I was only given an updated report, that showed no updates.. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void and any continued collection activities, or continued reporting of this invalid claim on my credit reports, will be considered a violation of the FDCPA and FCRA.

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