hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN HONDA FINANCE CORP (CO)

Complaint:
Equifax is listing the incorrect dispute street address for American Honda Finance, aka Honda Financial Services. Equifax clearly lists the address for American Honda Finance as XXXX XXXX XXXX XXXX XXXX NC XXXX. This is clearly wrong, the correct address for HFS ' NC location is XXXX XXXX XXXX XXXX, XXXX, NC XXXX. Honda Financial Services also has an address in Texas - Honda Financial Services, XXXX XXXX XXXX, XXXX, TX XXXX. What is the correct address for disputing information with XXXX XXXX XXXX, aka Honda Financial Services. This address provided by XXXX has probably been incorrect for YEARS!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation (CA)

Complaint:
I purchased items 4 wigs online with my pre-paid card - NETSPEND credit card # XXXX in XXXX, 2020. However, I did never get any of my orders from XXXX XXXX. I tried several times to contact XXXX  to report the situation. During, several times, they sent me an email of with wrong tracking number with XXXX and XXXX. After, several months, of going back and front to the post office and XXXX, I was informed that thoe tracking numbers given to me does not exist. 
Again, I started calling XXXX  to notify them about the fraudelent non-existing tracking number given to me. Also to inform XXXX  that I have not yet recieved my orders. It took me about 8 times unsuccessful phone calls to get in touch with this company. I went on their website to complete a form requesting for refund. No response, until several months went by, I finally got response from the company claiming that they have delivered all my orders to me. I tried contacting them, however was unsucessful on 3 attempts. I contacted my bank Netspend to file a claim. 
All of the above informations were explained. I was given claim # XXXX. 
After, my bank contacted XXXX, they were able to send me 2 out of the 4 wigs ordered. I called my bank Netspend notified them, that they sent me 2 wigs, rather than the 4 wigs ordered. That, I still want remaining refund {$140.00} credited to my account.

They told me that they have started claim and will ensure to get my refund of the 2 remaining wigs. I have contacted NETSPEND for about 10 times, and as of today, no response recieved from NETSPEND. I had recieved call from XXXX  informing me that refund has been made to NETSPEND. As of this day, NETSPEND had not issued my refund or made attempts to assist to get my money back.

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 2021-07-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Health Care Financial Services, Inc. (FL)

Complaint:
Hello Ive requested on several occasions XXXX  debts are validated from XXXX XXXX  and XXXX  or be removed for being falsely posted on my credit. They have all failed to validate the debt or remove the collections from my credit file. I sent two rounds of letters, once on XX/XX/ and also on XX/XX/ requesting the medical records be validated or removed and neither has been done. There are several medical records on my report that I need to be validated or removed, its about 11 collection accounts that need to be rectified.

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 2023-07-21
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. (TX)

Complaint:
On Trans Union I have a fraud alert that should have prevented the inquires on my credit report. XXXX want the following inquiries removed immediately :. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Informative XXXX XXXX XXXX XXXX XXXX, Duplicate inquiry. I called XXXX XXXX and they asked me to dispute because it wasn't authorized and Trans Union still refused to remove it. The only inquiry should have been on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AR Resources, Inc. (AL)

Complaint:
XX/XX/2016 {$360.00} I have no knowledge of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
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: Experian Information Solutions Inc. (FL)

Complaint:
I have disputed 9 accounts on the XXXX  App to have nine XXXX and would like them to be removed from my credit report. All accounts are closed and effecting my credit score negatively.

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 2022-10-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (FL)

Complaint:
XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  # XXXX XXXX FL XXXX Attn Billing Inquire Account No : XXXXXXXX TD Bank USA. N.A., c/o Target Card Services XXXX XXXX XXXX XXXX MN XXXX Statement XX/XX/2022 and unpaid previous Balance of XXXX and XXXX late fee. 
I really forgot to paid so I called Target customer service and agree to pay over the phone and they will credit the account the XXXX dollars Late fee and that would have been the end of it. 
My account was not credited and the account remain with a balance that I did not paid waiting for a credit instead the company ( Target ) issue yet another Late fee on XX/XX/2022 Statement for XXXX plus the XXXX late fee from prior statement not credited leaving a balance on XXXX on late fee ( not consumption of any good or service ). 
XX/XX/2022, I sent the first letter requesting a correction since all this commence with their mistake and not given the credit, they promise on XXXX. XXXX XXXX get a letter with a credit of XXXX dollar showing a balance of XXXX dollars. XXXX XXXX another letter XXXX. 
XX/XX/2022 statements showing credit I never saw and more fees and a XXXX balance XX/XX/2022 a letter that my claim was been review. 
XX/XX/2022 Statement with a balance of XXXX dollars XX/XX/2022 Statement also balance XXXX dollars XX/XX/2022, I sent second letter And the final response from the company was a letter from Target dated XX/XX/2022 in which they inform me that they disagree and that all the charges XXXX plus XXXX + XXXX + XXXX + XXXX + XXXX as well as all applicable fees will remain Last but not least just receive XXXX statement XXXX XXXX with yet another late fee of XXXX + XXXX interest for a total of XXXX Dollars. 
The card was sent back and cancel and no use and no charges has been made since XX/XX/2022. 
In hope that this a better outcome Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
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. (NC)

Complaint:
They contacted me numerous time by phone in 2014. They told me that if I didn't pay then my credit would be damaged. They never showed me a signed contract between them or the original creditor or any proof that I owned this debt. In turn my credit score has dropped and the original creditor listed on the account is not even a location I am or have ever been familiar with. I have paid on this debt and the information on the account is inaccurate and was sold to a third party that I am not responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

Complaint:
On XX/XX/XXXX, I sent a dispute to the credit reporting agencies requesting proof of each account as well as a fair investigation for each account. On XX/XX/XXXX, the disputed items came back as verified. Experian, XXXX  and XXXX  has not properly verified a bankruptcy record on my credit reports. The bankruptcy record is inaccurate and is found to be incomplete. An affidavit ( a sworn statement of facts ) was sent to the Federal court asking them if any information was released to the credit reporting agencies. I sent Experian, XXXX and XXXX  a notarized Affidavit and correspondence directly from the Federal Court stating that no information has been given to them. If the agencies did not verify a bankruptcy record with the courts, how did they complete the investigation? This investigation is incomplete. If the court did not send them information on the bankruptcy record, then my disputes were not properly verified. I do plan on taking legal action per [ 15 U.S.C. 1681i ], Section 611 ( 5 ) ( A ) ( i ) If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete. This inaccurate and incomplete bankruptcy record is causing me unnecessary financial hardships due to the incomplete investigation of these credit reporting agencies. I need would like assistance on this matter asap before taking further legal action.

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 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (TX)

Complaint:
On XXXX, American Express decided to close my credit card giving a phone call to notify me about the action. The same day or couple of days after ( they can verify in their system ) I paid off my balance. I was living in XXXX  back in that year. 

After a month or so, collections called saying I had a pending balance of 6.00 that needed to be paid asap. That was, if I remember correctly, the interest accrued for the previous month. I paid the balance in full. Since then, those 6.00 have Ben hitting my credit as pending balance. Every time I have tried to open a new credit card or even buying a house, that bad report pops up. 

When reaching out to customer service ( 5 times already ) they said there was a mistake and that they can see the balance has been paid and that the pending balance notice should be cleared in the next 60 days. Then again is showing, same explanation- at this point I cant remember my credit card number so it takes forever to locate the account - then they say yes, it will get fix etc, and then they transfer the phone call to another 3 agents just to verify the information is correct and that the case has been solved. At this point Im reaching 1.5 hours over the phone with American Express and a call center with XXXX XXXX XXXX XXXX XXXX XXXX ) is contacted telling us they cant find any of the information Ive been discussing with previous agents. Its outrageous. Its XXXX already and when buying my new house, Im still dealing with this. The only step to follow is a law suit I guess, just because no one could fix a balance of 6.00 that got paid already, but the system for some reason is not clearing it. I have offered several times to repay the famous balance, but they keep telling me it got paid already.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance One, Inc. (OH)

Complaint:
I was notified XX/XX/2018 by collection agency that I owe debt from a utility company. I was not aware of the debt and asked for a copy of the bill. In the meantime I contacted the utility company and discovered it was from my rental property ( they sent my bill to the rental address ) the original bill was for XXXX and they discovered a billing error and reduced the amount to XXXX. I received bill from Utility Company and paid the same day by check ( XX/XX/18 ). Also received bill from Collection Agency. Collections called again around XX/XX/XXXX and I told them I paid the balance and I provided check # and amount when asked. Contacted by Collections on XX/XX/XXXX that I owed a balance of XXXX ( difference between original bill and revised bill ) and I explained that there was no balance and account cleared. They insisted. I verbally disputed the charge and asked them to call Utility Company and they refused I again disputed the balance and they insisted I owed. I contacted Utility Company and they verified XXXX balance and stated they would contact Collections. On XX/XX/XXXX called Utility Company again and they started the manual reversal. Almost 2 weeks later the Collection Agency filed a derogatory remark and collection notice to all reporting Credit Bureaus. My credit is in yellow status and dropped 50-100 points ( depending on what agency ). Also note that in the correspondence from the Collections they did not provide info on the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
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. (CA)

Complaint:
unauthorized inquiries and a late payment that is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
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:
Tried to see if I was affected by the Equifax hack, which is already outrageous that they 'd allow my data to be compromised in such a manner, and then their page says " come back later '' to see if I 'm hacked and I 'm under the impression that they signed me up for a service I did n't consent to. This needs to be handled NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (FL)

Complaint:
After viewing a copy of my report, I noticed a collection account placed on my credit report from JPMBC -Card Service on XX/XX/XXXX in the amount of {$12000.00}. First and foremost, I have confirmed that the debt collector JPMBC -Card Service is not licensed in the state of Florida to collect on this debt. Secondly, JPMBC -Card Service violated FDCPA rules and regulations when they failed to send me written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to JPMBC -Card Service? Fourth, I have submitted several disputes with the credit reporting agencies ( XXXX, XXXX, Transition ) and provided them with valid proof of police reports, not 1 but 2 police reports stating and showing that I am a victim of Identity theft and that this alleged dept is mine. Its been 7 YEARS and this still is reporting on my credit report. Ive called the credit reporting agencies and they told me that this should be removed by XXXX of XXXX, however I am requesting and demanding that this be removed immediately! I have never heard of them, have no written contract with them and have never received any benefits from them, yet JPMBC -Card Service has submitted negative information to all three credit reporting agencies ( XXXX, XXXX XXXX XXXX ) against my name and social security number and is demanding payment from me in the amount of {$12000.00}. I am requesting validation made pursuant to 15 USC FDCPA. I respectfully request that JPMBC -Card Service provides me with competent evidence that I have any legal obligation to pay them. I asking that JPMBC -Card Service to please provide the following : 1. Agreement with the creditor that authorize you to collect this alleged debt, 2. the agreement bearing my " WET '' signature stating that I have agreed to assume the debt, 3. Valid copies of the debt agreement stating the amount of debt and interest charges, 4. Proof that the statue of limitations has not expired, 5. complete payment history on this account along with an accounting pf all additional charges being assessed, 6. show me that you are licensed to collect in my state ; and Registered Agent. If proper validation of the alleged debt can not be provided, I demand JPMBC -Card Service immediately delete and completely remove this alleged debt from all three credit reporting agencies ( XXXX, XXXX XXXX XXXX XXXX I also demand JPMBC -Card Service agrees to have no contact with me in any form regarding this alleged debt now or in the future. Lastly, I demand that JPMBC -Card Service agrees to remove my personal information from all accounts in its companies database.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$630.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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:
My name is XXXX XXXX XXXX, and I am sending this request again to address the inaccuracies on my Credit Reports. I received a letter from CFPB on XX/XX/2022, that TransUnion Credit Bureau closed my complaint to protect my PRIVACY. I called the TransUnion Credit Bureau after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were : XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XX/XX/2022 ; on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent items and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified 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 non-monetary relief