hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2018-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CA)

Complaint:
The Equifax data breach was in XX/XX/2017 ; using their site, I found out that my identity information was one of the millions stolen. Equifax, through their site, has claimed that those people whose data has been stolen due to the Equifax breach can have a free credit monitoring/identity protection service. When I tried to sign up for the credit monitoring service, I get an error message -- again and again and again. I have called their customer service about 10 times in the last year trying to get them to sign me up for the credit monitoring/identity protection service service since my data had been breached from their data bases, however it's always the same story : I get a customer service rep on the phone who apologizes for the inconvenience and then tries to sign me up for herself but gets the same error message. I rarely get past that point. When I can get a manager on the phone -- which is almost never -- I am soothe-talked and told that someone will look into this and get back to me. When I ask for an email to that end, I get excuses, not an email. Once, in XX/XX/2017, I got a floor manager who sent me an email promising to follow-up in a few days, but never heard back and never was able to get him on the phone again. The email from him is copied-and-pasted below : " From : XXXX XXXX <XXXX> To : " XXXX '' <XXXX> Sent : Tuesday, XX/XX/2017 XXXX XXXX Subject : Service Request XX/XX/2017 Thank you so Much for allowing us to resolve your issue. 
Your service request has been submitted and you will receive a resolution to your issue of not being able to create an account with XXXX within 3-7 Business days. At which time you will receive another email with our resolution. 


Thank you for your Patience, XXXX XXXX Equifax, Floor Supervisor '' Now I have found out that Equifax stopped offering the free credit monitoring/identity protection service for those people had their data stolen from Equifax, but they should, at the very least, give me my year of credit monitoring/identity protection service -- heck they should give me two years after all the waiting on hold and not being able to speak with a manager not getting any emails or snail mails from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
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:
In XXXX of XXXX I sent TU, XXXX, XXXX  a letter disputing the validity of the bankruptcy they are reporting on my credit report. All Bureaus responded saying they verified item through XXXX XXXX. I contacted XXXX XXXX directly to dispute item in question and due to nonverification from them they sent response and deleted in XXXX of XXXX. I then sent copies of deletion along with ID documents to TU, XXXX, XXXX  through numerous disputes and was still met with a response of verified even after proper documentation was provided. XXXX XXXX has also tried to contact the bureaus as well to have them update reports and they said they were not getting any responses from any of them. I even provided all companies with copies of deletion from XXXX XXXX and their attempt to contact as well as informing them that if they could not reveal how, they truly verified the item then its needs to be deleted according to the FCRA It is now XX/XX/XXXX and this inaccurate item has been sitting since the first dispute in XX/XX/XXXX. Once again, they refuse to delete this item. How is this legal and how are the credit bureaus not held accountable for these violations? It has been way past 30 60 and even 90 days for these corrections to be made and at this point I am ready to take legal action as this is affecting credit and stopping me form handling important matters such as home buying. This item needs to be deleted immediately I have zero patience at this point as they have been in plain violation of my rights as a consumer, I am not giving them another 30 days not even another 15 days and I am prepared to take my complaint to my congressman as well, this issue has been well overdue for corrective action. these companies have been using stall tactics since XXXX causing my dispute clock to start over every time they falsely verify errors. This item needs to be gone immediately. 

Attached is all documents sent for dispute as well as copies of credit sheets from where they display where they verified the item in question

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 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
i am contacting this department over concerns i have at an address which is not connected to me and yet it appears on my credit reports. I do not live or have ever been associated with XXXX XXXX XXXX XXXX XXXX, CA XXXX. it appears in the current and former section of my report but i have never been associated here. my address is in XXXX XXXX only. I attempted to call these bureaus but it was very hard to get a hold of a representative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26
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. (CA)

Complaint:
In accordance with the Fair Credit Reporting Act XX/XX/XXXXAccount # XXXX and XX/XX/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 an account without my written instructions. 

1. This is not my account 2. I just received my Social Security Card in XXXX XX/XX/2022 it's not possible. 

XXXX. I have included proof of Social Security paperwork in attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (VA)

Complaint:
MIDLAND MANAGEMENT has failed to respond to my letters..I have requested verification of this account such as contract, payment history, etc it's my belief that this account was paid off prior to collections ... .. if this is in fact my account... XXXX I was diagnosed with stage XXXX XXXX, recurrence in XXXX now stage XXXX moved to XXXX if my recollection serves me correctly this account would've been paid off due to the uncertainty of things and me not wanting to leave any unpaid debt for my daughters... this collection has caused me so much anxiety, grief, time and embarrassment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HANCOCK WHITNEY BANK (AL)

Complaint:
Midsouth bank closed my account and only said I wasnt the kind of person they do business with and even though I offered to prove the legitimacy of any funds they didnt care. They gave me a cashiers check that they put a hold on later and have me with no money to my name. When I first went to the bank to ask why it was being closed I tried to record a conversation only to be threatened by the teller that they would call the police. I told them it wasnt right to treat customers that way and that I would let ppl know how wrong Ive been done and not to do business with them. In response they have now said I have threatened the teller and are using their power against me based on complete falsehoods. It is wrong to treat ppl like that

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
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. (TX)

Complaint:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2020-05-28
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: Experian Information Solutions Inc. (MI)

Complaint:
To XXXX XXXX. I am writing this inquiry to dispute account with XXXX XXXX that is being report on my credit report as delinquent. The account involves a vehicle that was leased, and I was the co-signer. I do not refute being a co-signer on the lease and bear responsibility for the contract. My issue is Im being held responsible for a situation that I had no knowledge was occurring, and I was never notified by XXXX XXXX the account was delinquent. I have now learned the following information from contacting XXXX XXXX. During the lease period the borrower developed a pattern of delinquent payments. While this was occurring XXXX XXXX at no time contacted me by letter, phone or email to notify me of the situation. By not informing me, I believe XXXX XXXX is negligent in their duty to me as a co-signer. During this time I was also a loyal customer with XXXX XXXX in good standing. The borrower turned the vehicle in early and again I was not notified by XXXX XXXX of this situation. Information provided to me from XXXX XXXX advised they and the borrower entered into a separate agreement on payment plan to satisfy the lease. Once they agreed to the new terms on the contract, which I did not agree to, I believe I should be dislodged from any obligation or consequences of the transaction. Given there is a payment plan which will compensate XXXX XXXX, my credit score is being unfairly impacted given XXXX XXXX being made whole on the transaction. To this day I have never been contacted by XXXX XXXX   about the status of this account, and did not learn about it until I attempted to apply for credit. 
I was a loyal customer to XXXX XXXX, but I believe they are acting in bad faith by negatively impacting my credit without involving me in remediation of the credit issue.

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 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Complaint:
I purchased a vehicle from XXXX XXXX XXXX in XX/XX/2022. They used XXXX bank for financing. I returned the car the following day and my deposit was refunded via check on XX/XX/. That car loan of XXXX is still showing on my credit reports as open loan thats financed by XXXX bank which is effecting my income to debt ratio. 

I have disputed this with all 3 credit bureaus. I have reached XXXX XXXX and the dealership for past 7 months but this debt is not being removed from my credit file. Its showing as an open loan. Why is Experian XXXX removing this from my file? I have messaged them multiple times with documentation.

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 2023-01-09
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. (CA)

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 no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MI)

Complaint:
The offending company is Equifax. Equifax had the security breach a year or so ago. Because of that they offered me a year long security program for free. HOWEVER they have been charging me {$9.00} per month. When I first tried to deal with over the internet and I tried to cancel my account their computer says " you have a free account '' then it says " goodbye '' and hangs up! I tried calling customer svc and have waited on the phone for more than an hour - twice w/o an answer. When I did a chat I got someone right away however they gave a link which would not or could not get me an answer - meanwhile they are still collecting my money ( because you had to give a credit card to start the free svc ). My suspicion is that they are doing this to others as well to recoup some of the money they lost over the security breach. It seems my only recourse is to cancel my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: National Enterprise Systems, Inc. (PA)

Complaint:
I set up a payment plan with them a year ago. They took the initial {$750.00} and put it toward interest instead of toward the principal. I now pay them {$150.00} per month and all of a sudden I got hit with a {$140.00} fee in XXXX and no one can tell me what it is and I have n't received any call back once I 've been promised that they would research the fee and call me back. It is still showing a deliquent on my credit report even though I have been making on time payments for the past year in the correct amount that was agreed upon. I will pay off my mortgage before this loan is ever paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
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 recently pulled my credit report and was shocked and upset to learn that I have became a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of purchasing a home for my big family. Please remove from my credit report as 15 U.S code 1681i is law and this is in accurate please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
XXXX XXXX XXXX shows i had one 30 day late, but i was never late

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 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Complaint:
XXXX  ; XXXX  and Transunion should not be reporting that I am ( 30 - 60 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see pages attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to proceed with investigating this complaint. ) Also, XXXX is reporting this account in duplicate. These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates, as well as a duplicate account, is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Complaint:
What Is the Fair Debt Collection Practices Act? The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity.XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
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: Experian Information Solutions Inc. (AZ)

Complaint:
On XX/XX/2022 I have requested that Experian conduct an investigation on two tradelines XXXX and XXXX that are fraudulent in nature and reporting on my credit report and XXXX as well as a fraudulent address XXXX XXXX XXXX XXXX XXXX I also requested on that same letter that my XXXX XXXX accounts be updated as current as well as the XXXX XXXX account be updated as current because these accounts where never late. I also tried to file a claim with XXXX XXXX XXXX XXXX  that I pay for and that they are not assisting me in receiving the claim. They have violated the law in not updating my reporting and I am asking that they notified of their violation as I have reached out several times with no results and have not since requesting the investigation on XX/XX/2022 received any updates as of XXXX so I submitted a demand to comply on XXXX and I have included the letter in with my complaint. Thank you for helping me to regain accuracy in my credit reporting.

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 2019-07-28
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: Experian Information Solutions Inc. (LA)

Complaint:
A thorough investigation was not conducted. I initially sent a notarized letter through certified mail on XXXX XXXX. I did not receive an email from Experian stating that the investigation was open until XXXX XXXX. US Postal service annotates that Experian received the certified letter on XXXX XXXX. On XXXX XXXX, less than 48 hours after the investigation was open, Experian concludes that my investigation was complete. There were 8 items listed on my dispute letter and Experian only investigated one item according to the dispute results. The one item that they did decide to dispute is still inaccurate. I also requested documentation to prove that these items were accurate and so far I have received nothing.

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 2020-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (IL)

Complaint:
when i go to link my accounts to a site such as XXXX or XXXX  it keeps saying i am blocked and the bank told me it's not them?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation