hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

Complaint:
My credit report and score has not been updated since XXXX of XXXX This is UNACCEPTABLE! I have given you numerous attempts to fix the issue at hand and you simply can not. Why is this?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Complaint:
Experian Credit Bureau lists one of my previous addresses as : XXXX XXXX XXXX XXXX, XXXX, FL XXXX. This is incorrect. I have never lived there before. It was an old work address, not my residential address. Experian needs to delete this address 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 non-monetary relief
Consumer complaint received 2021-02-21
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. (WA)

Complaint:
This account balance is incorrect. This account is currently under litigation. Please remove and delete this account from my credit report. 

Account Number XXXX Medical : XXXX Current Balance {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Paypal Holdings, Inc (UT)

Complaint:
Paypal let XXXX XXXX Bill me using wrong email address i have on file for login, receive funds.The email XXXX  XXXX XXXX is mind, but not for paypal.Invoice sent to paypal for {$190.00} on XXXX XXXX say past due.Invoice # XXXX Name XXXX there email is XXXX and had Note to customer Your Order of XXXX XXXX placed successfully kindly do the payment of {$190.00} To XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Prince Parker & Associates (OH)

Complaint:
I disconnected my services with XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX but they continued to charge me for service up to XXXX/XXXX/XXXX. When I tried to resolve it with them they said they have turned me over to a collection agency. The agency asked that I email them a letter of explanation and copies of the bills in question and I did. They said they would send me an email in 30 days with what XXXX said and their decision but did not think I would owe that. They never sent any email response and after 30 days they started calling again requestng the total disputed amount. When I asked for the email response from XXXX they did not know about any email I had sent or that I was told to expect an email response, and instead continued to persist on paying them. They then threatened me that if you do n't pay today they would send it to the credit agency and it would act against my credit rating. 
This is an illegitimate charge. XXXX wo n't respond to my dispute and the collection agency wants me to pay or will hurt my credit rating and continue to harass me for payment. Please help secure a response from XXXX why they think it is legitimate to hold me responsible for paying them for services after my disconnection! 
Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
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: EQUIFAX, INC. (GA)

Complaint:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1.  This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28
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. (GA)

Complaint:
In accordance with the fair credit reporting act XXXX XXXX # 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 and 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: 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. (CA)

Complaint:
I am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The accounts must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents to FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform XXXX XXXX Balance : {$56000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.

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 2021-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (FL)

Complaint:
I was charged twice by XXXX XXXX XXXX and I went to try to dispute one of the charges as a duplicate. The customer service representative would not allow me at first to dispute the charge. This is after spending an hour on hold even though I supposedly called the ASAP customer line. She finally relented and allow me to dispute the duplicate charge. Then I was informed that I would not be able to get a provisional credit or a refund of the overdraft fee I was charged as a result of the duplicate charge. I asked to speak to the manager. She refused to help me, while boasting that she got an extra paycheck this month. 

I have been significantly impacted by the COVID-19 pandemic and TD Bank is completely out of touch with how their customers are struggling. I was completely disgusted that the manager felt it was appropriate to brag about the amount she is paid while I have faced so many difficulties this year. It's a really " let them eat cake '' kind of attitude.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (IL)

Complaint:
this is a case that the company responded to but im resubmited it again due to their response, i left the apartment in a good standing regardless off what happened, i decided to pay them {$700.00}, it mean i want be able to get anything back from 2 of my tires.they refused and want me to pay {$1200.00} which is the whole amount the collection put in my report and one thing i didnt like is they still calling that a settlement.the first payment of {$700.00} suppose to be paid the XX/XX/XXXX.i want a fair resolution of this case

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
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. (WA)

Complaint:
There is one account on my credit report that is not mine I have reached out to the bureaus by mail and phone calls regarding this it should not be on my credit report because I have not opened this account. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$0.00}

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 2021-09-13
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. (TN)

Complaint:
Account Name : XXXX XXXX Account Number : XXXX Balance : {$470.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$530.00} Account Name : XXXX Account Number : XXXX Balance : {$460.00} This is a formal complaint against XXXX, XXXX, and TransUnion. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 

There aretwo accounts, in particular which they just refuse to investigate XXXX XXXX andXXXXXXXX XXXX, yet they turn around and tell me that these accounts were verified by the Creditor. However, I've contacted some of the creditors and they have no record of a dispute verification request from this or any other agency regarding an account for me. 

I am trying to get pre-approved for credit, and it has been a challenge given that it has already been months since I have disputed this with the bureaus and I'm on my third round of letters yet they are not taking proper action to get these accounts validated and removed from my 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 2020-08-27
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. (IL)

Complaint:
On XX/XX/XXXX of this year I sent letters to XXXX, Equifax and XXXX to look into an error on my credit report that shows I was 90 days late in XX/XX/XXXX. The reports does not say I was ( 60 days ) late in XX/XX/XXXX nor does it say ( 30 days ) late in XX/XX/XXXX. It is just marked as 90 days late in XX/XX/XXXX. I asked them to delete this error and was sent back a response they as " updated ''. nothing was changed or updated, that was just something they used to close dispute I supposed. 
I think it is very unfair to have them report want ever they chose and then state it was closed. Also, during this process of other accounts disputed there was an account deleted in XX/XX/XXXX then added back a month later without giving me proper notification on why this account was added. This goes against my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Complaint:
There some negative items in my credit report and dont belong to me XXXX Account Number : XXXX XXXX OF XXXX Account Number : XXXX KOHLS/CAPONE Account Number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST FINANCIAL BANCORP (IL)

Complaint:
ONLINE PUPPY SCAM STILL UP & RUNNING : XXXX robbed me of two bank transactions. One for {$950.00} through my XXXX XXXX XXXX and XXXX XXXX  in XXXX XXXX, IL XXXX Account XXXX Transaction ID XXXX and another for {$610.00} XXXX Transaction ID XXXX to a XXXX XXXX XXXX XXXX Account email XXXX I have over 90 emails between him and I with fake shipping receipts from ( check it out ) XXXX in which I was given the Tracking # XXXX telling me my puppy as at the airport and asking for more money, and I also have my telephone logs, etc. The Online Puppy Scammer 's bank account is with : FIRST FINANCIAL BANK, XXXX XXXX XXXX, XXXX, IN XXXX telephone XXXX I WANT MY MONEY BACK. I AM A XXXX XXXX ROBBED OF AN EMOTIONAL SUPPORT ANIMAL DURING THIS PANDEMIC. THERE GOES MY STIMULUS PAYMENT! HELP, PLEASE!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC (CT)

Complaint:
IN 2013 I wasn't working and had no means of paying my debt. I could not make payments and XXXX refused to work with me. They said I had to pay the minimum. At this time I also had other debt that I was falling behind in. Therefore XXXX sold my information to Calvary SPV l.LLC who in turn hired attorneys to take me to court XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX UNITED STATES US. I did not receive a Certified Letter to let me know what was happening as they claim. Also XXXX refused to work with me. I could not afford the minimum and they offered no resolution, I was in dire straits. I'm XXXX years old and am still paying for debt that I had back then. I've worked hard to clean up my debt and this XXXX DEBT was from XXXX until it was sold to SPV l.LLC who again sending me amounts of payments which I could never afford. They destroyed what credit I have worked to improve and with my not having more years to work and will retire with nothing but Social Security as my main income, I am besides myself that now I am being sued by their attorneys.As I said there isn't a record of phone conversation to XXXX with me imploring them to be patient with me. There wasn't anything except monthly bills and a collection agency SPV l.LLC and now a law suit threatening me that they are bringing me to court and have a judgement against me for the amount of XXXX.I hope that the PREFERRED DIAMOND CARD by XXXX be investigated along with SPV l.LLC and a reminder to XXXX XXXX ATTORNEY I did not receive a certified letter. The Lawsuit was lying on the cement step of a front step which i hardly noticed. No signature required of accepting, just a flat envelope on an entrance I never use.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
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. (NY)

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.

The letters are stated with items and issues.

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 15 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 Any other adverse item of information, other than records of convictions 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 has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-08
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:
The reason for me filing this complaint with your agency is due to XXXX credit reporting agency refusing to conduct a fair investigation into several accounts Running of Reporting Period of XX/XX/XXXX, re-aged. When I initially filed my dispute with XXXX against XXXX XXXX XXXX and XXXX XXXX  companies illegally reporting the wrong first date of delinquency, I provided documentation as proof of my allegations expecting XXXX credit reporting agency to include all documents I sent as part of the dispute, they instead refused to include my documentations as part of my dispute, citing a erroneously statement they will not use any of my information provided with my dispute to refute fraudulent information being reported by XXXX XXXX XXXX and XXXX XXXX. My billing statements I provided shows my first date of delinquency occurred XX/XX/XXXX, not XX/XX/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 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Complaint:
XXXX  fail to delete inaccurate names when I send them proof with my id and sscard they are violating my rights. See the attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
TRANSUNION INTERMEDIATE HOLDINGS INC & all variants of, XX/XX/2023 TRANSUNION INTERMEDIATE HOLDINGS INC & all variants of, I expect EXPEDITED removal of the Fraud Alerts, Etc. on my XXXX, TRANSUNION INTERMEDIATE HOLDINGS, INC., and XXXX XXXX Report. along with ALL VARIANTS OF EACH ENTITY.. 


This letter is to request the removal of the fraud alert 's etc, from my personal consumer report REMOVE IMMEDIATELY - Consumer Statement : # HK # IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : UNT. CONTACT CONSUMER AT XXXX XXXX XXXX XXXX REMOVE IMMEDIATELY - Consumer Statement : # HK # IFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : UNT. CONTACT CONSUMER AT ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

Complaint:
I recently found that there are several fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I do not have any idea regarding these fraudulent accounts on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately.

Company response to consumer: In progress
Consumer complaint received 2016-05-06
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

Complaint:
I enrolled at the XXXX XXXX XXXX in XXXX XXXX and have somehow racked over {$28000.00} in federal student loans for a diploma! I never was able to finish the program because of the lack of communication I received from the finincial aid depatrtment explaining to me all the charges that seem to be racking up. I can not afford this cost and upon initial signing up, I was told I could receive finicail aid from the government. I did not know loans were being taken out. I make a mere {$25000.00} a year. I was duped by this school and whomever was getting a commission of 'recruiting ''. I was misled. 

Also Navient approved my IBR at {$0.00} from XXXX to XXXX but is still billing me the loan amount thus devastating the little credit I have. The also sent me a letter on XXXX/XXXX/XXXX that it is time to renew my IBR by XXXX/XXXX/XXXX, a month later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
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. (NJ)

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
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: Experian Information Solutions Inc. (FL)

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2020-03-03
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION (TX)

Complaint:
I was contacted on Sunday XX/XX/XXXX at XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation