hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2019-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

Complaint:
I am disputing the negative credit reporting to my credit report. I have worked hard to not have any negative credit reporting from XXXX XXXX. A stop payment was put on my account by my bank XXXX XXXX that I did not authorize. I paid my mortgage before it was 30 days late. When the payment was returned because of the stop payment. The bank realized that the stop payment was not authorized and removed it. I sent the payment the next day and it was paid. I sent my mortgage company a copy of an email from the bank saying that the stop paid was not authorize and removed. I asked the mortgage company to remove the negative reporting from my credit report because this was not my fault. 

Also, I have negative reporting status while I was under a modification plan. I do not feel that I should still be reported 120 or later while I was completing a modification plan. I was out of work 13 weeks and was late on my account. I had XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (GA)

Complaint:
I went into the office XXXX XXXX spoke with kierra stating that I needed a notice to vacate. I am a current resident under section 8. In order for us to move we have to have a notice to vacate. XXXX gave me notice I have the copy. In XXXX I also had several inspections that failed to meet the requirements do to liberty commons maintenance not fixing them. So the inspector told me I have 10 business days to let them know will I be staying or leaving. I decide to move. On XXXX XXXX I started moving all my things from XXXX XXXX I sleep there an I return my keys on XX/XX/2022. I have copies an cameras seeing me load the truck and leaving an turning the keys in. I received a letter in XXXX stating I owe them for XXXX rent an XXXX. Section 8 pays all my rent. So I met with XXXX an she was upset so I ask could I have the manager number. An they was going give me a call next business day to look at there cameras. No one call so I email the manger no one got back. Sent out all the paper showing I didnt owe that money an im study trying to get charged

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

Complaint:
Howdy. I check one of my three credit reports every four months. For, I'd guess, the last six or eight years, Every. XXXX. Time. I try to get my report from Experian, I get a message like " A condition exists that prevents Experian from being able to accept your request at this time. '' I've never had any trouble whatsoever with either of the other two companies. To be fair, the one time I requested my report via snail-mail, Experian did send it, but I want to avoid the trouble and expense of snail-mail. 

It's hard for me to believe that Experian is acting in good faith. Please kick them. Hard and repeatedly. 

Thank 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 2019-07-08
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (VA)

Complaint:
I had taken a loan with one main and they had to secure it with my truck which is no longer valued at what they valued. I had asked if they could release lien so i could have title and the debt would be unsecured so i can negotiate debt with a credit counseling group and was refused

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
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. (CA)

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NC)

Complaint:
Department of Education / Nelnet : I am no longer connected with Nelnet, for the loan has been transferred to XXXX XXXX XXXX. Also, I would like the Department of Education/Nelnet removed from all my credit reports. It shows negative/Late payment, yet my student loans have been either in deferment and/or forbearance since acquired. 

Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
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: AMERICAN EXPRESS COMPANY (GA)

Complaint:
I booked a hotel reservation through American Express for XXXX XXXX XXXX. Unfortunately a family member has fallen ill and wont be able to make it so I went through the Amex website to cancel it. I didn't realize when I booked the hotel, that it was non-refundable. 

However when I went through the website to cancel it, it stated I would receive a refund. Only after I submitted the cancellation was I shown I would not receive a refund ( I have screenshots confirming this ). When I went back through the booking confirmation email, it states that *this hotel is non-refundable and can not be cancelled* ( I have screenshots confirming this as well ).

So why was i able to cancel this in the first place? Why would i cancel a hotel reservation that i already paid for in exchange for nothing?

When i called Amex travel, the agents were polite, but none of them were consistent in their answer, one agent reinstated my hotel, but then another one cancelled it when submitting a case that was just refuted this morning. So now i do not know where i stand, and honestly, i am over talking about it with travel agents.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-03
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: Exeter Finance Corp. (SC)

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (UT)

Complaint:
I received a XXXX XXXX on XXXX XXXX, XXXX. We paid our out of pocket deductible to our insurance company. The insurance company was XXXX. After getting calls about unpaid bills that the insurance company did not pay, we agreed with the hospital to pay an amount of {$3100.00} and the account would be paid in full, and the account would be closed. I paid the amount of {$3100.00} on XXXX XXXX, XXXX with a XXXX credit card and received a confirmation number of XXXX that the account was paid in full. It is now XXXX of XXXX, over 15 months later and I have a outstanding balance on my credit report claiming I owe {$4900.00} to " med data systems '' I was contacted by credit agency via phone call and I expressed there has been a mistake. They replied by telling me they just collect the debt and it needed to be paid. I asked them to send me statement in the mail to validate the claim of me owing med data systems {$4900.00}. I never received a statement in the mail or a phone call. These claims have been a mistake by the billing department and now reflect on my credit report. I want my credit report to reflect that this claim of {$4900.00} is a mistake. I have paid the hospital in full and the account should be closed.

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 2020-11-06
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. (NJ)

Complaint:
Good afternoon, I have been submitting over 20 dispute letters in the past two years to experience. Not once were they able to comply with the regulations and remove the falsely reportedXX/XX/XXXXXXXX XXXX account on my credit. I have attached every response letter I was able to find where you can clearly see that not once were they removing this account. I have been extremely patient and follow the regulations of the 609 law that protects my rights. 
However Experian failed over two years to remove a single account. This is why I refuse To communicate with experience in order to resolve the issue and have been addressing CFDP in order to assist me with this matter. If you need any additional information please let me know. This letter is a formal request for the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 30 days allowed. As a matter of convenience to you and to expedite my request, I am resubmitting my request to correct my credit report. Account # XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Complaint:
Good Afternoon, I happened to look at my credit report and noticed a charge-off on my report that I did not notice or was given a written statement about from " XXXX XXXX XXXX XXXX XXXX CREDIT CARD ACCOUNT # ENDING IN XXXX ''. I contacted XXXX XXXX about the charge- off and was said that the account was sold to Portfolio Recovery Associates.The Charge-off is Dated XX/XX/2014. I was not aware of the debt and or was contacted about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (NJ)

Complaint:
I have been an active responsible member of money lion since XX/XX/2019. Since then I have paid off 4 successful personal loans one of them being the personal loan they have marked as payment status derogatory and charged off as ifI never paid the loan but I did and have evidence I will be attaching on here. 

Since then they have approved me for several personal loans that I have made right, made payments on time and paid back all of my loans. I have repeatedly reached out for them to make this inaccurate report right because it's affecting my credit score when it should be helping me. 

Not only that but it's also making harder to get approved for other loans and higher interest rate that would help me further my life because I have shown through my payments and my continuous loans they have given me that I can be trusted, I am responsible however this inaccurate report does say that and its affecting my self esteem in feeling like I can help my family being a co-signer on auto loans that would help them out but this stopping me from even helping my family and that really hurts me emotionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
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: SYNCHRONY FINANCIAL (FL)

Complaint:
Since XX/XX/2020 I supposedly accepted an insurance plan to cover the credit card in the event that I become XXXX and can not make payments and this is being charged on my balance monthly. I have been charged over {$240.00} over the past 2 years and they say that I accepted this as part of my application, but this is slipped in during the application and often sneak out in, in a way so that if you do not uncheck a certain box you are accepting when you really are unaware of signing up for this. XXXX XXXX does this with all their cards and it should be illegal bc it's a scam!!! The government should do something about this!!!! I don't even have a way to view what I signed and they said that a package was sent to my address and that's a total lie. I don't even have an option to see my statement so I never knew about the scam they were doing to me.I don't have a copy of any document saying that I signed up for this. They only say that I accepted the plan electronically but they can say anything?

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 2023-08-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AMERICAN EXPRESS COMPANY (NJ)

Complaint:
My ex-husband sent me a text that he received a call from " XXXX XXXX XXXX trying to contact you in reference to your case. The phone number is XXXX. Reference XXXX. '' I have no idea who this is or what they are talking about, and I have no idea why they contacted my ex-husband. I called the number and spoke with a " XXXX '' who told me I had been approved for an American Express line of credit and could I verify the last XXXX digits of my social security number. I asked her if this was a law firm, and she said yes, that she was calling from XXXX XXXX XXXX, the XXXX XXXX, in XXXX, Georgia. I asked her to send me something in writing. She said my " file '' was locked and had a red flag, and there was a lawsuit against me in process. She said she would open the file and then said that it was going to be processed and a Sheriff come to serve a Complaint because I hadn't paid an American Express bill. I do not have an American Express card and have never applied for one. I advised her that I was filing a Complaint against them for their bogus, harassing and annoying phone calls and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
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:
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 2023-04-20
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. (NY)

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX Open Date : XXXX XXXX XXXX Balance : {$0.00}. Please delete this account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NJ)

Complaint:
A while back I did a complaint with online service for 7 payments because they only settle fir 5 of them they took back money that I paid to this company but because Chase didn't get it all they took back 2 of my 7 refunds and put my account in over drafts making me pay this money again talking about they sent me a letter I never got it they send me email for everything else that's how I knew I was overdrawn they do this all the time so we could be in overdrawn status so we can pay them extra fees for overdraft they know we don't want to do that so we pay it I got rob by the online company and Chase I paid twice!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

Complaint:
On XX/XX/2021, at XXXX I checked my XXXX XXXX with Experian XXXX which was at a level of XXXX. The next morning at XXXX, I checked my credit score again to find it at a level of XXXX. My credit score had been decreased by 14 points in a matter of 7.5hrs. My credit score has been holding firm with XXXX then a ONE point increase for atleast 4 months. There have been no negative activities in connection with my credit what so ever. I have received a credit card increase twice within those 4 months previously mentioned. My bills as-well-as 3 credit cards have been paid in full for the last 12 months. Why and how is this possible? How do you increase ONE point for good work then turn around and decrease 14pts for no apparent reason? ( In a matter of 7 overnight hours )

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 2022-10-03
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. (NC)

Complaint:
I wrote to the credit bureaus on XX/XX/22 and XX/XX/22 requesting verification of the late payments on the attached accounts. I am sure I have never been late of this account and requested a detail payment history summary so I can see when payments were received into their system. The bureaus have failed to verify these late payments, but continue to report it. This is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (UT)

Complaint:
Enhanced Recovery Services has reported this paid debt to my credit report without notifying me of the debt. They have an incorrect mailing address and will not send me notification of the debt despite me contacting the company to provide my correct address. I have paid the debt and submitted verification of this to them and the previous debt collector on this account, XXXX XXXX XXXX. XXXX XXXX XXXX knowingly sold a paid debt to another debt collector!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
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. (NC)

Complaint:
My personal information was taken from a storage unit I had that was auctioned off. I am a victim of identity theft and the following accounts do not belong to me. Please Delete these items immediately. I have reached out to all creditors to let them know as well.

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