hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2016-09-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ESCALLATE, LLC (NC)

Complaint:
Four months ago, Escallate Collections and I made an agreement to pay $ 30 monthly. And I have already paid {$130.00}. So, I wonder why this statement is still there. 
Thanks 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 explanation
Consumer complaint received 2023-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-01-25
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:
On XXXX XXXX I sent a letter to collection agency XXXX XXXX XXXX. They received letter XX/XX/2022, which is stamped on the Certified receipt. I have attached Certified receipt. Requesting full validation of Account # XXXX. I have attached letter I sent over to them. They have violated my rights as a consumer, not once but twice! First they sent me itemized receipt of account listed on my credit reports, their itemized letter clearly says I have a balance due of {$290.00} but on my credit report it is showing a balance of {$320.00}, I have attached a photo of that account showing on my credit file. So they are reporting inaccurate information on my credit reports. Second Violation they never put a " notice of dispute '' after 30 days of receiving my dispute, As you can see on the photo I submitted nothing was ever put under the comment section, they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ) As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. Auto Credit Corporation (NC)

Complaint:
For the last 6 years I have asked this company to remove this from my credit as well as I have disputed with the agencies they are reporting as us auto credit and XXXX XXXX  on my report when called and asked about the information on the account I sac told this is from a place called XXXX XXXX XXXX that is closed and does not have any information the original contract that was signed or documents the address they have for me I never even lived they have nothing they can provide me to help me investigate or for them to be reporting on my credit as a charge off as well as still reporting Late payments with the account being this old they are rude and will not assist me also they are reporting twice separately on my credit once as auto credit and once as us auto cr then I sent a complaint XXXX to the incorrect information asking for original contract with my signature etc also for them to remove the fact it shows up as two different accounts us auto credit and XXXX XXXX XXXX XXXX and still do neither

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
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. (PA)

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

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 2017-08-17
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. (MD)

Complaint:
I have made 2 disputes to Transunion and XXXX to remove a paid state tax lien from my report as it does not meet the XXXX XXXX, 2017 pii requirements, they continue to respond as accurate/updated. They are not complying with the new requirements and did not truly investigate my dispute as I have a copy of the original document filed from the court house. There is only name and address, no date of birth and no full social security number ( it is retracted on all of their documents ). The credit agencies are lying, they obviously are not doing the investigation and/or they do not truly have access to the original documents filed in which case they shoud have removed them. Instead they just lie about having it verified/updated. This is in complete violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (ID)

Complaint:
There was an unauthorized charge on my checking account from XXXX XXXX  XXXX in the amount of {$430.00}. This was for a bill that I already paid, XXXX XXXX XXXX  charged my twice. I submitted my receipt to show them that and CHIME denied my dispute without providing any reason even after requested

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SUNTRUST BANKS, INC. (FL)

Complaint:
I closed the account and recently found out they are sending statements to an OLD Address that was never on file. I closed the account ending in # XXXX which was also referenced in a past complaint with the CFPB. I just want the account closed as implied.

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 2017-06-13
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Weinberg Mediation Group LLC (CO)

Complaint:
RE : W EINBERG MEDIATION GROUP LLC.   Today, Tuesday,  XXXX   XXXX ,  2017 , robocalls about my financial business went out to people loosely associated with me, but who know nothing about my finances. For example, several relatives and a friend of a friend received a collection call from this organization about me. When I called them and asked them to remove all numbers except mine from their account, they refused and claimed I had a credit card I owed money on. I do not recognize the bank named on this debt, and there has been suspicious information on my credit report in the past, so I am investigating. I will pay the debt if it is valid, but in the meantime this organization has done damage to my reputation, privacy, and dignity and deserves censure for their aggressive tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (PA)

Complaint:
I was given a USBank ReliaCard that allows me to receive Pennsylvania Unemployment Insurance funds weekly as a result of Covid19 impact to my ability to work. I have two complaints about this Bank that have required extensive time to get a response from the USBank. My complaints : 1. REMOVING AND WITHHOLDING FUNDS ( {$1500.00} ) from my card and informing me that there was fraudulent use of my account. They have NOT redeposited  these funds back into my as of this date ( XX/XX/2020 ). I discussed this issue with the Customer Service Department the first week of this month.

2. HARRASSMENT OF THE CUSTOMER by requiring you to hold on the phone for at least hour before they connect you with a CS Representative ( CSR ). That CSD, after certifying that you are a customer, then transfers you to another CSD. I have been  DISCONNECTED by this second CSD 5 times in contacting this company over the last several months. I am required to start the process again again and wait for at least one hour until another CSD answers validates my name, etc. and hands me off to another CSD.

3. SENDING LETTERS WITHOUT BANK IDENTIFICATION : I have received several letters from Cardholder Services. These letters have the first four and last four numbers of my Debit Card and additional information. Two of them identified that there was  'fraudulent use ' of the card. No information about when these situations occurred.

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 2021-01-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Creditors Bureau Associates (GA)

Complaint:
On XX/XX/2020, I sent a letter to all the credit bureaus with a certified letter asking to see any inaccuracies on this debt as well as how were the able to verify the debt with this collection agency. 

On XXXX XXXX, 2020, I sent a letter to Creditors Bureau Associates to verify a collection that reported on my credit report. I sent a letter requesting for them to send me an original debt from the actual company of an agreement that was made. 

On XXXX XXXX, 2020, I sent a follow up letter to see how they were able to verify the debt with this collection agency. 

Creditors Bureau Associates does not have an account number listed as well on all three bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
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. (LA)

Complaint:
This is a formal dispute and request to remove late payments from my credit report.The information is incorrect, untrue, and the laws pertaining to furnishers reporting late payments is quite clear.I have outlined it below : Section 623 ( A ) ( 7 ) requires a financial institution that regularly reports negative information to nationwide CRAs to provide one clear and conspicuous written notice of that practice to consumers, no later than 30 days after first reporting such information.My research has found this notice is typically found on monthly statements, however : 15 U.S.Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) Negative Information ( E ) Use of notice without submitting negative information. No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency. 

Additionally, FTC Advisory opinion to XXXX ( XXXX ) states : Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information. A person who regularly and in the ordinary course of business furnishes infor- mation to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 

As you can see the law and FTC opinion state that you, the furnisher, are Not legally bound to report any negative information. Please refrain from continuing to report the late payments on my credit reports. The account is current, and thus, you have a duty to correct and update the negative reporting of the late payments.

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 2017-12-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MI)

Complaint:
I have my Federal student loans serviced through Navient, who requires an annual income recertification to remain in an income-based repayment plan. I resubmitted my documentation in XXXX, yet the lender allowed my plan to expire on XXXX XXXX, which tripled the payment. I contacted Navient, whose representative stated that " they did n't know why my certification was not processed, '' but they did offer to put a forbearance on the account for two months to give time for me to submit a new request to update my plan or reenter my old income based repayment. This will add thousands of dollars of additional interest to the principal. This also happened in XXXX, where I was led to pay {$1400.00} to settle the elevated payment so I could remain current and avoid disqualifying myself for the public sector loan forgiveness program.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC (GA)

Complaint:
I recently received a notification from the credit bureau of a collections account from XXXX XXXX XXXX reporting negatively on my credit report. I contacted the collections company to inform them that I never received documentation of this debt and balance was paid in full once left XXXX XXXX XXXX. I have attempted to contact the original debtor but to no avail. XXXX XXXX the address on their file was incorrect and was not their responsibility to obtain correct information once the notice have been mailed once. Lastly, the company recently sent a email with my personal identifying information regarding this debt which they never received my consent. At this time, I am feeling threatened and intimidated to forcefully pay something that is not accurate. I fear for my safety.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Complaint:
On XX/XX/23, I mailed a letter to the reporting agencies to remove names and addresses that I was never associated with. On XX/XX/23, I mailed out the same letter. As consumer I know my rights and would like a resolution.

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 2020-03-04
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
I was disputing a Bankruptcy on my credit report that TransUnion verified as accurate. Confused by this I sent them a letter on XX/XX/2020 through certified mail with the tracking numbers XXXX XXXX XXXX XXXX XXXX and asked them for their method of verification.. On XX/XX/2020 I received a letter from TransUnion stating they were to verify that bankruptcy from my credit report by verifying it with the US Bankruptcy Court located at XXXX XXXX XXXX, XXXX NY XXXX XXXX XXXX.I took it upon myself to go to the Bankruptcy Court in person and ask them if they verified my info with TransUnion. They turned around and told me they did not, they all so typed out a letter for me stating that they didnt verify my info with the credit bureaus. After that i sent that letter to TransUnion through certified mail with the tracking numbers XXXX XXXX XXXX XXXX XXXX on XX/XX/2020 asking them to remove that Bankruptcy from my credit credit because it can not be properly verified. As of today XX/XX/2020 i have not gotten a reply from them.

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 2021-08-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Complaint:
On XX/XX/1202 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XXXX  you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Complaint:
on XX/XX/2019 I was browsing on XXXX website to shop for a cell phone. They had a simulator which looked for financing options and potential payments. They wrote explicitly in writing, without any disclaimers to hard or soft inquiry, they wrote, doing this would not affect my credit score on XXXX-affecting both my trans union and XXXX scores equally However upon checking my credit score, it dropped a significant 40 points with no detail to how or why. On the same day I call XXXX  and they said they would email me as they are escalating the issue. i have not received any such communication.

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 2020-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
I spoke with XXXX XXXX  customer support approximately XX/XX/XXXX inquiring about the account coming off the credit Reporting agencies. I was told by a young lady that it was set to be removed off XX/XX/XXXX, 5 years after the account closed. It is now XX/XX/XXXX I called to inquire what the hold up was, as credit cards from the same year are set to drop this year with it. After being transferred several times they explained it is up to the credit agency to remove such account not them and that there is nothing they can do at this point. They clearly dont know what is going on nor what they are doing because they havent reported anything since XX/XX/XXXX. They change there answers too frequently. I would like what was told to me to be upheld. Calls are recorded and I urge the company to go through all of my recorded phone calls over the last two years so that this can be corrected immediately. Secondly I tried to re open my account or a new one and the company wont even consider me based on my credit report but instead an internal file on me. That is no longer accurate.

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