hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2019-02-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (GA)

Complaint:
I have disputed this debt for over 2 years asking company to validate by showing court paperwork that an eviction was done or that money was owed to an apartment Complex ... they have not but threatened to garnish my wages and damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
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. (SC)

Complaint:
XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days 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 very clearly stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report and it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the ongoing stress being caused by the delayed resolution of this situation. 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 2018-06-05
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. (GA)

Complaint:
To whom it may concern, lately, I checked my credit report and since I do not do it very often, I was shocked to see unverified, inaccurate and false accounts on my credit report reported by two collections agencies XXXX XXXX and XXXXXXXX XXXX. I contacted all three credit bureau ( XXXX, Transunion and XXXX ) and they all sent me a letter telling me that these accounts meet the requirements the FRCA. How is that possible? I wonder myself. For two, I had all types of troubles getting credit and getting service and I did not know that the reason I was going through so much trouble was because the credit bureau were colluding with these two collection agencies. 
I sent them letters and Transunion did not even bother to reply to my dispute. I sent two validation letters to the collection agencies and it is still pending. I see no movement. 
According to established state and federal consumer protection laws, they are required to verify all accounts you post onto a credit report, and to make the information you have used to conduct this verification available to consumers upon request. Since, they said that everything is verified, it is my right to ask them to provide me with the information you have used to verify these accounts, namely, the original consumer contract with my name, signature and other identifying information on it which pertains to each negative account listed on 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 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Complaint:
I recently disputed the accounts/ information listed below to Experian and XXXX XXXX agencies notifying that the information was inaccurate and violating my rights according to the Fair Credit Reporting Act. I have not been provided proof of debt for example a copy of a contract stating I have an obligation to these companies that are reporting my information without my consent. On XX/XX/2023 XXXX has responded stating the information was verified and XX/XX/2023 Experian responded stating the information was verified. Verification was never in question, the validity of these debts/obligation/ alleged applications are in questionable. I have notified both companies that XXXX XXXX XXXX does not have any proof that I owe this alleged debt so I am demanding a description of Experian 's and XXXX 's investigation procedures as well as the documentation used during the investigation according to FCRA 611 ( a ) ( 7 ). I have requested documentation from XXXX XXXX XXXX and was given a computer generated document. 15 U.S. 1681a ( 2 ) ( A ) ( ii ) states communication of that information among persons related by common ownership or affiliated by corporate control is excluded from my credit report. 
Also, XXXX XXXX, XXXX, and XXXX XXXX are reporting alleged hard inquiries and I have disputed these with XXXX and they are still reporting on my consumer report. I am requesting the documentation used to validate this information as well. Please be advise this is my final attempt to resolve this issue before entering a arbitration case against XXXX and Experian to resolve this urgent matter. I have included a copy of XXXX XXXX XXXX response as well as XXXX 's response.

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 2023-04-14
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: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Complaint:
Since XX/XX/2022 Portfolio Recovery Associates , LLC ( XXXX, XXXX ) has been reporting unverified alleged debt to my credit report without my written consent. PRA, LLC has sent statements of account ( securities ) via mail ( non-registered mail ) as validation. PRA, LLC continuously fails to verify by sworn statement & signature ; therefore reporting inaccurately and hindering my likeness & creditworthiness to other creditors since XX/XX/2022. It has been interfering with my livelihood. PRA, LLC has been fined by the CFPB furthering my case of inaccurate reporting, harassment, unfair debt collection practices. FTC complaint number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mezcal Corporation (CA)

Complaint:
Originally obtained a predatory car loan with an interest rate of 26 % through mega auto finance in XXXX XXXX, CA. I believe, and a high car payment, with the vehicle also having a mandatory vehicle disabler, like I was a criminal or something. Than after a few months to a year I decided enough is enough and I volunteered to surrender my car, which was co-signed by my dad. The company sold the car at auction only getting if I remember a third of the loan value. They wanted an additional at the time around {$6000.00} more. I told them that wasnt my problem, that they didnt get the amount they wanted. So they put a derogatory remark on my credit and my fathers. So for each month over the next three or so years they marked as late unpaid. Eventually charging off as bad debt which also said CLOSED. Yet here we are a year Or two after that remark, and they still are reporting negatively. I had attempted last year to settle the debt for {$1500.00} to put an end to it, they wouldnt even consider it. After asking for a manager I was given a specialist who is a glorified debt collector. XXXX XXXX. 

Than, after recently checking my report, they seemed to have added on interest!

This company needs to be shut down. Nothing but bad reviews and predatory practices.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Transunion requesting that they correct these erroenous accounts being reported on my File because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/ 2022 and to inform them that I am halfway of taking legal action and sue Transunion for their willful non-compliance of the FCRA statute. Only if the Credit Bureaus chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX Late Dates XXXX, XXXX & XXXX XXXX XXXXXXXX Late Dates XXXX XXXX XXXX XXXX XXXX XXXX Late Dates XXXX, XXXX - XXXX XXXX XXXX Late Dates XXXX, XXXX - XXXX XXXX XXXX Late Dates 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 non-monetary relief
Consumer complaint received 2017-07-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CITIZENS FINANCIAL GROUP, INC. (IA)

Complaint:
I went into XXXX XXXX to buy a car. I was in urgent need since my car had been totalled and I needed a car to get to and from work and get my kids to where they needed to be. I saw a XXXX XXXX for Sale, the sales man told me they would sell it to me for {$17000.00}. I test drive it and it sounded ok, the stearing wheel was hard but i figured it was because I was used to driving an old car. Once I got to finance the gentleman convinced me on getting an extra insurnace for the car. He said it would only add a couple dollars to my monthly payment. I said ok he never told me the total amount i was going to end up paying he also never said anything about GAP insurance. I signed my paperwork and the total amout that was going to be financed was about {$13000.00} after my {$4500.00} downpayment. I went to my insuramce and they suggested I go back and ask if i could get gap insurnace on the car since they didnt provide me with that. I did and we did everything in a hurry because that was all that was being added to the paperwork he had me sign all of my new paperwork in a hurry he took my old paperwork and shredded it. After I got my paperwork from the bank it showed a remainder balance of {$19000.00}!! I called and asked if it showed the {$4500.00} downpayment that i had given, and she said I would have to talk to the dealership about that. I went to my car and grabbed my paperwork and saw infact that was what the dealer had sent to be finanzed, it has an add on of {$990.00} and an add on of {$2600.00} for service all of my paperwork shows different amounts! Everything is done so wrong! I also found out they gave me a vehicle that had some part broke and that is why the stearing wheel drove so bad. I am so mad and sad that they would take advantage of me this way! Just because I was in a big hurry to buy a car. I am so upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
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. (KY)

Complaint:
I have sent removal letters to each credit reporting agency for the last six months asking them to remove o hard inquiries from reports. In those letters I have explained that there are items that contains data taken directly from my credit report. Asked them t please delete the unconfirmed inquiries lacking certification evidence unless physically certified verified proof is demonstrated per US code 15 usc 1681 ET SEQ. section 604 of 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 2021-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Complaint:
I tried to make a payment at an atm on XX/XX/2020 for {$130.00} and the atm took my payment and gave me a receipt with a number to call. The is interesting due to I took payment from one credit before I tried to pay and I " also '' have proof of this transaction as well. 

The encounter was at bank of america atm on XX/XX/2020 at XXXX XXXX. The location was 8 mile & XXXX in XXXX Michigan. The receipt # XXXX. I had to wait for 2 billing cycles and was told I would have an answer by XX/XX/XXXX. They implied not to pay my card until the problem was resolved and I would have had late payments on my credit file by now. 

Please have to issue my payment back to my card and wave interest charges for one month because I had to pay interest on coming up with the payment to repay the payment that was taken. We should not have to wait two months on something that was not a customer fault especially during XXXX time. It is a really unfair method.

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 2022-03-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (VA)

Complaint:
Original creditorEMERGENCY PHYSICIANS OF TIDEWATERAccount # XXXX OpenedXX/XX/XXXXXXXXCREDIT CONTROL CORPAfter viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 
Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Complaint:
On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
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. (MN)

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2017-07-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Altisource Portfolio Solutions, S.à r.l. (ND)

Complaint:
I been receiving harassing phone calls and death threats from representatives from Nationwide Credit , Inc regarding credit card accounts that are fraudulent and unauthorized. I 'm a victim of identity theft and have been a victim of identity theft for over 30 years. The following credit card accounts do n't belong to me and are fraudulent and unauthorized : Account Number : XXXX, NCI ID : XXXX, Account Number : XXXX, NCI ID : XXXX, Account Number : XXXX, NCI ID : 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 2019-07-02
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. (KS)

Complaint:
took my ftc off and added as a debt collection fcra violation XXXX  and transunion XXXX XXXX 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 2022-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (SD)

Complaint:
My XXXX Bank credit card is charging foreign transaction fees on transactions done in USD. 

When I called and asked about the fees, they could not tell me the currency used to convert to USD or any other information about the foreign transaction fee. 

My call was escalated to XXXX at US Bank. She informed me that the transactions were submitted in USD but I was charged a 2 % foreign transaction fee because the bank is a foreign bank. 

They told me it was calculated by XXXX and not US Bank. 

The fees total more than {$15.00} so far.

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 2020-11-03
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. (TN)

Complaint:
There are two of student loans on my credit file that I have been disputing since XX/XX/XXXX.The loans are being reported inaccurately with late payments..XX/XX/XXXX,XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX.I was never late the accounts were in active Forbearance.I provided proof from the data furnisher.The accounts were not corrected to Paid As Agreed.The CRA has answered my disputes as Verified as Accurate which is impossible if a reasonable investigation had been carried out.It is a violation of the law to continue to report 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 2023-07-26
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. (MO)

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account name : # XXXX Account name : # XXXX. Account name : # XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A. States 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 to relating consumer to any consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IL)

Complaint:
They have elected to apply my payments to interest only, thereby artificially extending the terms of the loans. I can not believe that it is legal to extract interest only payments, I would expect that even in the toughest amortization schedule it would be impossible to never see the principal paid down after 15 months of payments.

Company response to consumer: Closed with explanation