hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-08-20
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. (FL)

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!

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 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (OH)

Complaint:
In XXXX of XXXX  I inquired about a payoff with Ally Financial for a XXXX XXXX, which was purchased during my marriage. At the time, I wrote the bank a check for the stated payoff amount, was assured that the account was satisfied and the title transferred. 

Months later, a {$1300.00} balance appeared on the account and continues to bog my credit report. I transacted the final balance and in good faith, with the information that was provided to me by the creditor. I have made multiple attempts to dispute the charges through various credit repair apps, and have always been rejected. 

Furthermore, the debt has been " written off '' from their perspective. While this is not an admission of their guilt, it certainly speaks to a lack of desire to collect the balance.It was not written off until I began to dispute the charges via XXXX XXXX. I believe the write off was a decision to get their mistake off of THEIR books, while continuing to bog down my credit report. 

I maintain that I do NOT owe Ally Financial for this balance. I believe, but can not prove due to a lack of transparency by the company, that there was a processing DELAY that that was THEIR RESPOSIBILTY, and that they are unjustly and potentially illegally damaging my credit 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 2022-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (IL)

Complaint:
I have setup automatic payments with American Express for several months. I do this in order to 1 ) pay off the full balance my credit card every month and 2 ) avoid interest charges. 

For my statement ending on XXXX, my automatic payment of {$6200.00} was processed via auto pay XXXX. I was under the impression that this would prevent me from being charged interest afterward. However, I was assessed an interest charge of {$280.00} on XX/XX/XXXX. 

I called American Express to try to fix this issue and they were of no help. They essentially told me they can not guarantee interest will not be charged after an autopay is made. 

This practice does not seem fair to me as a consumer. If paying off the full balance by the due date does not prevent interest charges, what does?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-21
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (NC)

Complaint:
while ordering a item from XXXX the rep total me that i was accepted for a XXXX credit card would i like to put the item on the card. Since then I have been charged excessive " flex pay '' payments and gross interest and compound interest charges. 

in XXXX of this year I returned numerous items to XXXX via XXXX. I have not been given full refund of my payments and interest paid I haven continued being charged for returned items plus interest. Although i may monthly required payments and have not been given full credit for returned items. I fell I have for exceeded the Flex Payment advertised. At this rate I will be paying for items that were advertised as four or five payments for years. 

I have made several calls to point of exhaustion to try and resolve these numerous discrepancies. Each time being told " it's now correct '' and my next bill will reflect the corrections. However with my monthly payments and returns my monthly statement continue to increase. 

This predatory practice and reporting of incorrect charges to the credit bureau in my opinion is in violation of the Fair Credit Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
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. (GA)

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 USC 1681. 

XXXX XXXX XXXX XXXX {$450.00} Account # XXXXXXXX XXXX XXXX {$540.00} Account # XXXXXXXX XXXX XXXX {$2500.00} Account # XXXX 15 U.S.C. 1681 section 602 A. states : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2 states : a consumer reporting agency can not furnih an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting aganecy may make any consumer report containing any of the following items of information - any other adverse item of information, other than records of convictions of crimes which antedates the report 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 has reasonable cause to believe the information is innaccurate.

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: 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 discovered that many accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
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. (FL)

Complaint:
Experian knowingly reports numerous inaccurate disputed accounts refuse to provide copies of demanded signed credit or loan application to verify account 's, yet claims account verified. Demand is hereby made that Experian to provide copies of signed credit or loan applications for all negative accounts reported or delete it 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 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc (CA)

Complaint:
Hello I have tried so many times to email time but they do not comply. I have tried to let them know to remove off this collection since they say I do not owe anything but it's still on my credit report all 3 credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
I have been in contact with all 3 credit reporting bureaus and asked to provide proof of verification as well as validation for the bankruptcies appearing in my public records. I received letters stating that the information was verified via XXXX XXXX and that I should contact XXXX XXXX. I contacted XXXX XXXX and they found the information to be fraudulent and XXXX XXXX deleted the information. I contacted the credit reporting bureaus and mailed copies of the letter from XXXX XXXX and all three refuse to remove this inaccurate information.

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 2023-04-04
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:
Months ago, I have sent a letter to the XXXX credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
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: Experian Information Solutions Inc. (CA)

Complaint:
credit reporting agency ignoring delete fraudulent accounts from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
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. (SC)

Complaint:
I called theXXXX and Experian after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an account on my credit report which is misleading to me. I sent a letter to the XXXX and Experian last XX/XX/2023. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this XXXX XXXXXXXX Balance Owed : {$12000.00} will be investigated and updated on my credit file.

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 2016-06-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: S&S Physician Services, Inc. (TX)

Complaint:
New cell phone number was assigned to me over 1 year ago and then shortly thereafter, Harvest-Inc. Medical Debt Collectors have contacted me almost daily using phone numbers XXXX ; XXXX ; XXXX ; XXXX in attempt to collect an apparent debt from another person. When I called them over a year ago and told them this was an assumed phone number from a previous owner and they told me who the debt was for, I informed them that person no longer had this phone number and did not reside here. Despite telling them this and also complaining to Do NOT Call Federal and State agencies, they continue to offend almost on a DAILY basis. My cell phone number filed with the DO NOT CALL agencies and which Harvest-Inc continues to call is XXXX. I have also sent Harvest-Inc. a letter form developed by the XXXX XXXX XXXX titled : Request for Debt Collectors to Stop Contacting You that gives them formal notice in writing under the Fair Debt Collection Practices Act to cease contacting me-EVEN though they were informed OVER 1 YEAR AGO they are contacting the wrong individual and that I am registered on the DO NOT CALL list, yet they have offended by continuing to contact me almost daily for OVER 1 year despite telling them to cease all contact OVER 1 YEAR AGO.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed
Consumer complaint received 2021-06-28
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. (CA)

Complaint:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
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: Nelnet, Inc. (CA)

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and delete from erroneous reporting in my file are listed on my credit report : DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXXXXXX XXXX, DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXX XXXXDEPT OF EDXXXX XXXX XXXX DEPT OF ED/XXXX XXXXDEPT OF EDXXXX XXXX, DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXXXXXX XXXX XXXX DEPT OF ED/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Overton, Russell, Doerr and Donovan, LLP (TX)

Complaint:
There is are  XXXX  items on my   XXXX   report from  Overton, Russell, Doerr and Donovan, LLC in the amounts of {$180.0 0}, {$180.00}, {$150.00}. This company is not bonded to collect debt in the state of TX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
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: Experian Information Solutions Inc. (VA)

Complaint:
There was a credit card opened without my knowledge or authorization. The credit card company is XXXX XXXX XXXX XXXX. My account was crossed referenced with someone else for a few years so I was unable to access my report. After finding out the account appeared on my credit I reached out to XXXX XXXX to close the account in XXXX. They then reported the account as 30 days late in XXXX after a credit dispute with Experian also in XXXX, it was updated to closed again in XXXX. I have initiated disputes with Experian, XXXX and XXXX. There is missing data from XXXX that I brought to the attention of the fraud specialist at Experian. They allowed XXXX XXXX to report the account was 30 days late on a closed account then they allowed then to close the account again. When I disputed the account I included a FTC identity theft affidavit also.

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 2020-10-09
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: EQUIFAX, INC. (TX)

Complaint:
Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX XXXX XXXX  Balance {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. I also have attached letter from XXXX removing me from debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. Thank you for your prompt attention in this matter. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
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: EQUIFAX, INC. (AR)

Complaint:
I decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$87.00} XXXX   XXXX {$290.00} XXXXXXXX XXXX XXXX {$720.00} XXXX   XXXX  XXXX {$110.00} XXXX  XXXX  XXXX {$590.00} XXXX   XXXX  XXXX {$670.00} XXXX  XXXX  XXXX {$220.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$23.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

Complaint:
On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (IL)

Complaint:
I was affected by XXXX  I was in the hospital for a week which caused me not to work do my finances decreased. I had a payment plan set up but didn't hve the money when it was dueXX/XX/2021  due to other bills I had that were also past due which are still past due! When I received the call that I needed to set up a payment I did say a date but again being in the hospital from XXXX my finances didn't meet now XXXX  affected me very bad I had XXXX. I did let them know I was in the hospital but it seem like they were not concerned just wanted money! Till this day XXXX still haven't returned to work because of my breathing so I'm past due even more I was admitted on the hospital XXXX XXXX 2021 and released XXXX XXXX 2021 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX The company is called CREDIT ACCEPTANCE! 
THE DATES THEY CALLED XXXX XXXX XX/XX/XXXXXXXX and XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the month of 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