hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-06-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Upgrade, Inc. (AL)

Complaint:
Spoke with upgrade on XX/XX/XXXX in regards to payment assistance. Discussed options decided to continue making regular payments but did request removal of account auto draft and was informed upgrade is ok if not paid on day of as long as paid in 30 days. Opened app saw 65 days past due on XX/XX/XXXX never notified on previous call nor in writing or by phone. I have made all payments at min that have cleared my personal account on XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX. Was informed by rep today that it was a pay now error on their end and never drafted from my account when previously it did and was never notified that there was an issue. This impacted my credit and receiving calls on a timely made debt payment per my contract and due dates and payments shown on the account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-23
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. (FL)

Complaint:
On Closed case # XXXX through the CFPB case, XXXX indicates that this loan belongs to me but clearly references in their response that it belongs to a " Mrs. XXXX ''. It is apparent this was not a mistake and that this account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (CA)

Complaint:
Sensitive information compromised in Equifax hack.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
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. (IL)

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
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:
This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  CA XX/XX/XXXX XXXX  CA XX/XX/XXXX XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2022-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
I am making this complaint to properly notify the credit reporting agencies of the pending disputes with the listed company that the credit reporting agencies falsely furnish on my report. On XX/XX/2022 the listed company was given notice pursuant to 15 U.S. Code 1602 ( k ) - the company never provided adequate notice which clearly and conspicuously mentioned the pertinent facts of these transactions causing me to make an uninformed decision. Further, the only evidence of indebtedness provided was just a computer-generated agreement. There's absolutely no way a computer generating a bunch of generic agreements is creating adequate notices, or agreements that everybody can understand. Lastly notice was given to the company listed for their unauthorized use which is defined in 15 U.S. Code 1602 ( p ) use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. And the credit reporting agencies are complicit and continue to violate my privacy by disclosing my nonpublic information. You might want to remove the accounts because you will be held accountable just like the companies listed. If you have any questions contact me at 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 2022-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

Complaint:
I received a debt collection notice in the mail on Friday, XX/XX/2022 for an amount of {$120.00} on behalf of XXXX XXXX 

I tried going to the debt collection agencys website, www.payconvergent.com and reaching out to them on the phone number provided - XXXX. 

Both the website and the phone number are non-existent. 

I do not have an account with XXXX. I do not use their services. I reached out to XXXX and they confirmed that I do not owe them anything. They recommended that I file a complaint with your organization.

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 2018-08-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (TN)

Complaint:
They've contacted me 10x per day starting XXXX Asked them to stop calling on XXXX still call multiple times per day Also have taken money out of my account 4 times which I never aurhorized.

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 2021-10-21
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. (FL)

Complaint:
Im not producing a score, and I added a couple of tradeline on my report, and I added these trade lines a couple of months ago

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2017-05-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OH)

Complaint:
On XX/XX/XXXX I mailed a check in the amount of {$2700.00} to Macy 's XXXX XXXX , to be paid towards my credit card balance. For 3 weeks I waited and they told me they never received it. On XXXX XXXX 2017 I  called my bank and they said Macy 's cashed the check on XXXX XXXX 2017. It still did not reflect on my account. So I called Macy 's to ask where my money went and they said they 'll need a form faxed from the bank to confirm payment. The bank faxed the form and I called Macy 's back to see if they received it. They said they 'll need to investigate and it could take up to 2 billing cycles ( 2 monthhs ) to get it corrected. I severely needed this check to go through to Macy 's as soon as possible and now they are at fault and not taking proper measures to ensure customer satisfaction.

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 2017-04-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc. (CT)

Complaint:
Original debt was to XXXX. After the debt went into collections, a company named " XXXX '' ( XXXX reference # XXXX ) contacted me to collect. I asked for debt validation, they were unable to do and removed the negative report from my credit report. A few months passed, now another agency " Convergent Outsourcing Inc '' is attempting to collect on the same exact debt which was previously removed. I asked for debt validation and all they sent me was an old bill from XXXX. How can they collect on a debt thats already been removed from another company? Is an old bill sufficient enough to prove debt validation?

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 2021-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CHARLES SCHWAB CORPORATION, THE (WI)

Complaint:
On XX/XX/2021, I initiated a transfer of {$100.00} from my checking account to my money market account. I received an error on the transfer and tried a few more times, unable to get it to go through. On the morning of XX/XX/2021, I contacted Schwab customer service because I continued to get an error message. A team member on the brokerage side attempted to do the transfer for me but also encountered an error. She transferred me to a representative on the banking side who was able to get the transfer through. 

That afternoon, I looked at my account and saw that nine transfers of {$100.00} left my checking account. It appeared that one went through for every time I or a customer service rep attempted to make the transfer. However, when I looked at the brokerage account, only one transfer of {$100.00} went through. This left {$800.00} missing from my checking account. 

Since XX/XX/XXXX I have spoken with multiple representatives at Schwab. Given their long hold times, I have spent many hours on the phone waiting for help. Each customer service rep I have spoken with has told me the issue was known and was being worked on. Each promised me the issue would be fixed by the following business day. As of today, XX/XX/XXXX, the issue still hasnt been fixed. 

If I would have overdrawn my account I would have incurred bank fees as a penalty. Instead, in this situation, I have to float {$800.00}, money that can not be spent or invested, because of a banking error that Schwab staff is seemingly unable to resolve. I have been told by some reps that the eight erroneous transactions would be voided and the funds returned to my checking. Others have told me the eight erroneous transfers would be completed and the {$800.00} moved to my brokerage. I am unable to understand why this issue can not easily be resolved and have completely lost both patience with this process and faith that my money is safe with Schwab. 

It is worth noting that in the middle of this issue, I encountered another issue with Schwab whereby a stop limit set on a security I once held with Schwab but later transferred to XXXX was activated. I had an alert in my account showing I owed those securities back. Thankfully, they were able to void that transaction but it only adds to my impression of Schwab having issues with the way in which their systems hold and manage my money.

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 2020-09-04
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. (IL)

Complaint:
TransUnion is not following the FCRA guidelines concerning consumer accounts. I am aware the FCRA promotes accuracy and fairness in the files of consumer reporting agencies. I am concern as this has made a tremendous NEGATIVE impact on my credit reports. After disputing with XXXX XXXX, XXXX via phone, the representative stated they were a third-party company that has no documentation with my signature to provide proof to " any '' customer. They didn't remove the account. I had reached out to TransUnion XX/XX/2020, and XX/XX/2020, informing that I have no account with XXXX  XXXX, XXXX requesting them to remove the account. TransUnion " CLOSED '' the account but didn't remove the account. Not only " closing account '' is detrimental to any accounts of a consumer, but it gives lenders to think an individual can not pay their bills. TransUnion didn't delete an inaccurate and unverifiable account and couldn't provide proof to me in reference to these two accounts from XXXX XXXX, XXXX belongs to me.

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 2022-07-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (OH)

Complaint:
COMENITY BANK has been down for over a week. Nothing works. I have payments due on the XXXX of XXXX that i always pay early to avoid interest. Due to their incompetence of having their website/phone system down. I have no way of making a payment. I cant even log in to see how much is owed. There are literally thousands of customers in the same boat if not millions who cant access their accounts. I shouldn't have to sit on my PC all day long to try to pay a bill This is having an impact on 2 store cards for me which are XXXX XXXX XXXX XXXX credit cards. I am missing out on paying less interest and now will probably be penalized by their automated system for being late since its not my fault their website and phone systems are down. You cant even reach a live person atm.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
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. (FL)

Complaint:
The companies Equifax, XXXX  and XXXX are a private business that earns and makes a fortune from your most private belongs, your private information!!! 
You, your name, your details, your private life and your businesses are taken and transformed into the property of the Equifax, XXXX  and XXXX companies, and they sell your private and personal information or spread wrong information about you!!! 
Equifax, XXXX and XXXX are private businesses that earns and makes millions at your expense and from your private assets Plus, they damages your identity, your good name and causes you financial damages! 
Do not let them! 
Equifax, XXXX and XXXX are private business that follows you, stalk you and collect information about you They takes advantage of you and your private life! 
They get involved in your business and sells your personal information at any cost, even at the cost of mistaken information and damage to you and your family! 
Equifax, XXXX and XXXX track and post information about you without permission or consent! 
Do not let them! 
Stop them!!! 
Request and demand to remove your name from their databases and don't let them spy, follow you and spread wrong information about you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc. (WA)

Complaint:
In accordance with the Fair Credit Reporting act 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 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

Complaint:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXX - XXXX - {$7900.00} DEPT OF EDUCATIONXXXX - Date opened XX/XX/XXXX DEPT OF EDXXXX - Date opened XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX Balance - Date opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
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:
I recently pulled my credit because I plan to purchase a home soon. I saw a couple of things on my credit report that where unfamiliar. I did not approve these and would like to have those items removed from my credit. I am doing this on my own and have contacted the FTC and my local police here.N/A ( XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 2021-03-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Profit Recovery, Inc., Marlborough, MA Branch (MA)

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (SC)

Complaint:
Hello. 

I currently owe money to XXXX XXXX. It was sent over to a collection agency during the midst of the Covid-19 outbreak and I have not been able to pay the debt off. XXXX is very well aware of this and I understood the collection agency. 

Recently the collection agency who had it apparently sold it to another collection agency known as Midland Credit Management ( The lady identified herself as this company ) and we received a letter about the debt and threatening to hand it over to a lawyer in our area. 

Currently I've been receiving phone calls every few hours since XX/XX/2020 with today being XX/XX/2020 where I finally picked up the call. The lady did not identify herself and said she was with the agency stated above. She began saying I owe {$1000.00} in debt to XXXX XXXX  and said " I owe her a reason for not paying her debt and once were done with this call we will decide what action to pursue ''. Upon a threatening voice and much harassment for the past 10min of the call duration I hung up. To date I have maybe 15-20 missed calls from the agency and unable to block their number due to them calling from a blocked caller ID. 

And ... if you're wondering ... I do not give my number out ever and I never get calls from unknown since high school

Company response to consumer: Closed with non-monetary relief