hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2018-09-09
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. (CA)

Complaint:
On XX/XX/XXXX my XXXX XXXX XXXX XXXX was totaled financed by XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX my insurance ( XXXX XXXX ) started trying to contact XXXX to get pay off information an title to close out the loan and send the vehicle to the salvage auction. XXXX XXXX contacted me on XX/XX/XXXX asking if I had spoking to westlake financial they had mailed and faxed documents for them to return back. Which XXXX XXXX was refusing to answering there calls or respond to any correspondence from XXXX XXXX. On XX/XX/XXXX I called XXXX with XXXX XXXX on a 3 way call forcing them to give XXXX XXXX what they needed. After the title was giving to XXXX XXXX an payments where sent to XXXX 3 weeks later I look at my credit I have a charge off on my credit. Showing as if XXXX financial repossessed the vehicle a sold it. When it was a total loss. I want them to remove the charge off from my credit.

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 2019-04-01
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. (OR)

Complaint:
Experian was sent a letter dated on XX/XX/XXXX to remove and delete the following account from my credit report. 

Original Creditor : XXXX XXXX XXXX, Original Account Number : XXXX Opened : XX/XX/XXXX XXXX Account Number : XXXX Current Owner : XXXX XXXX XXXX This account was a charge-off reported on XX/XX/XXXX. Experian completed a investigation on XX/XX/XXXX instead of deleting this account as requested, Experian added a 2nd charge-off to this account on XX/XX/XXXX. This is inaccurate representation of personal financial information by Experian. It's inaccurate to have two charge-offs on the same account when this account has been deleted from the owner of the account who is XXXX XXXX. 

This account was charge-off and sold to XXXX XXXX on XX/XX/XXXX. Please see the attached letter from XXXX XXXX dated on XX/XX/XXXX deleting this account from my credit report from all 3 credit agencies.

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 2020-08-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (TX)

Complaint:
Good afternoon, Consumer Financial Protection Bureau. 

Today I received a letter from ERC regarding a collection notice from XXXX XXXX on an account that I have disputed and it was found that it needed to be removed. 

The CFPB Claim No : XXXX Filed XXXX & CFPB Claim No : XXXX Filed on XXXX. 

I have been dealing with this matter since XXXX, We had submitted a complaint with CFPB XXXX XXXX : XXXX. It was requested that the account be deleted. 

on XX/XX/2020. I submitted another complaint on a notice that I received from XXXX XXXX with CFPB Claim No : XXXX. It was requested to be deleted. 

The reporting of this accounting violates the Fair Credit Reporting Act ( including but not limited to section 623-b ) & the Fair Debt collection Practices act ( including but not limited to section 807-8 ). 

I have received threatening letter and call about this account that has already been disputed. 

I really need you help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRUIST FINANCIAL CORPORATION (FL)

Complaint:
They a minium of XXXX times a day. Today XX/XX/23 they called at XXXX est. They are calling friends as well. I advised them to stop calling me more than once a day and to stop calling random people. They do not leave voicemails either. They also email more than once a day. This us unacceptable. They refuse to give me a chance to return their calls etc.

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 2023-03-31
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: Experian Information Solutions Inc. (AR)

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2017-06-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (TX)

Complaint:
I have been working with XXXX XXXX XXXX , XXXX since the XXXX of XXXX. I called them on the XXXX of XXXX XXXX and spoke with a account manager about how or what I need to dispute this debt that I just found on my credit report when XXXX XXXX from XXXX XXXX. She informed me that I had a debt in collections from XXXX XXXX, XXXX. I informed her that I never had a credit card through Citibank, NA. So I contacted XXXX XXXX XXXX, XXXX on the XXXX of XXXX XXXX they told me they would send me a what I need to do and the information they have on the case. The paperwork states it was typed up on the XXXX of XXXX XXXX. Where they give some details about the account. And what information I need to seek if I want to dispute it. So after I received this packet I started filng reports the day of receiving the paperwork on the XXXX of XXXX XXXX. I filed a complaint report on ther FTC.gov for Identity Fraud as per stated in the inforamtion they sent me to get, and I also have contacted my local sheriff 's department to file a police report. The deputy came out to my house on the XXXX of XXXX XXXX and I showed him the information that XXXX XXXX, XXXX sent me. He wrote up his report and gave me a card that had his name, title, phone #, case #, address of police station. I have scanned the business card the sheriff gave me and the report for identity theft report and have faxed the paperwork to XXXX XXXX, XXXX on the XXXX of XXXX XXXX. I called them and spoke with Account Manager XXXX, he said they have n't recieved the fax, and to wait 3 business days for their company to receive and upload documents to their system, but I could also email. So I emailed them on the XXXX of XXXX XXXX. I have been calling them every week to keep hearing the same information to call back next week or the information you sent is Invalid and they will contact their legal team to see why infomration ( police report, and FTC Identity Theft Report ) is invalid, and inform me to call back every week. So I 've had enough and trying to take this to a higher level.

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 2022-05-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (OH)

Complaint:
In accordance with the fair credit reporting act XXXX  Account Number XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card/ loan account under an open end consumer credit plan as late for any purpose.

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 2022-01-13
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. (FL)

Complaint:
The creditor is listed as XXXX account number ( XXXX ) is account is listed as charged off as of XX/XX/2017 for $ XXXX.This account is due to fraud and as already been removed one bureau its reporting on the other two despite sending multiple dispute with credible evidence sent.

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 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (MN)

Complaint:
Not authorized to use Name, employment information or previous addresses on credit file not in use on credit accounts. Such private information can be used for instances of identity theft and I am requesting such information be removed from credit report. 

NAMES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYMENT INFO XXXX XXXX XXXX ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-05
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (IL)

Complaint:
I requested validation of this so called debt. The validation was never received. I tired this twice. The dispute was supposed to be over with on the XX/XX/2015. I thought this was taken care of because i called them asking to remove it from dispute. It is showing up as " in dispute '' ( see attached ) and should be resolved over 2 months ago. 
Due to this I have been denied my mortgage because the underwriter will not accept my file until it is out of dispute. I have faxed them to pull it out of dispute because i disputed it back on XX/XX/2015, and still showing " in dispute ''. I know my rights and i know that under the Fair Credit Reporting Act and/or The Fair Debt Collections Practices Act this should be out of dispute. This company has caused me so much grief with my family and i need it to end. I am going to fax them one more time to take this out of dispute as it should no longer be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Complaint:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
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: EQUIFAX, INC. (OH)

Complaint:
I am a victim of identity theft. I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives ' addresses. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory in nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX, XXXX, XXXX x XXXX, XXXX, XXXX XXXX # XXXX x XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX My name is : XXXX XXXX - XXXX : XX/XX/1995 - SS # : XXXX ALL OTHER NAME VARIATIONS ARE NOT ACCURATE PLEASE REMOVE : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX My current and only address is : XXXX XXXX XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My current telephone number is : XXXX All other telephone numbers are not accurate. Please REMOVE/DELETE these telephone numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My current employer is : XXXX XXXX XXXX XXXX : All other employers listed are not accurate. Please REMOVE/DELETE these employers IMMEDIATELY : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (LA)

Complaint:
On XXXX XXXX2017, I sent out certified to all 3 credit bureas including multiple CA. I 've been trying to resolve multiple negative account statuses on my credit report. The credit bureas ( XXXX and Experian ) have failed to properly verify these accounts after 2 months. Due to poor investigation or lack there of, communication and a number of other things. Im requesting that all negative accounts that were n't lawfully investigated be removed. XXXX  has been very successful and very helpful in removing the same EXACT accounts that XXXX and Experian failed to properly investigate. These medical bills are negatively effecting my credit score, reputation and credit worthiness. The medical accounts in question have balances of {$570.00}, {$570.00}, {$470.00} and {$320.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Complaint:
Company writes false information on all three credit reports after becoming military XXXXXXXX. XXXX XXXX military XXXXXXXX in 2015 after suffering an XXXX XXXXXXXX and becoming XXXX. Company writes that payments have been made by me in order to keep the report active. No contact with the company since the recovery of the XXXX. The payments that the company is reporting. Fraud is being committed and the company sold me a XXXX packet for debt protection and attempted to block my use of it. Company ignores the 7 year rule.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
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: Experian Information Solutions Inc. (NJ)

Complaint:
I have been asking for assistance from Experian in regards to getting access to my credit reports since XX/XX/2020. No one can give me a answer to why I am unable to receive my reports and everytime I call to speak with someone, they are very rude. Over talk me as the consumer/customer, they have hung  up on me today XX/XX/2020 three time. They all were supervisors. They got frustrated because they couldn't answer my questions ; keep telling me they put a ticket in to resolve the error/issue since XXXX of 2020 and now we are in XXXX of 2020. I felt like everyone I spoke to was XXXX and didn't care about me or my time after being transferred from dept to dept and on the phone for 3 hours with no help or resolution. No actions have been taken accept for my monthly membership being taken from me on a monthly basis. I just want a copy of my credit reports

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 2019-04-04
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. (GA)

Complaint:
I received my credit report on XX/XX/2019 and immediately saw multiple items that were not mine being reported on my credit report. On XX/XX/2019 I sent in a letter to the credit bureau stating that I am asking for the original signed, consumer contract with my signature on it ; otherwise anyone paying for your reporting services could mail, fax or email in a fraudulent account. 
On XX/XX/2019 Experian stated in audio during a phone conversation and in written form that the debt was validated based on Name, Date of Birth, social security number, and account number. If I am telling you that I am a victim of identity theft, anyone can open an account in my name, using my information. Experian did not send me any proof ( original signed, consumer contract with my signature on it ) for any of the negatively reported items on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Upgrade, Inc. (MT)

Complaint:
I opened my card with Upgrade in XX/XX/2021. There has been no problem with using the card or with their terms. The problem I have is that they do not overtly disclose how much interest is charged each month. I must always determine this amount by subtracting the balance according to all listed charges from the balance displayed on my account dashboard. I have scoured their website and I have scoured my statements and there is absolutely no mention of how much interest is being charged. 

To be clear, my problem is not that they are charging me interest. It is that they are HIDING it. I did initially make a call to their customer support line and even the representative I spoke to could not find any information on what the discrepancy between the listed charges and the given balance was. He could only suggest that I continue doing what I am doing to determine what interest had been charged for a given month. 

I am attaching a copy of my most recent statement with the account number redacted ( though I'm 100 % certain they could determine who I am based on the transactions and billing dates ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
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. (FL)

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2020-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

Complaint:
I was at XXXX trying to apply for a credit card. As they submitted my information I was told I was denied and that it could be due to a low credit score. I wondered for days what could be the other reason for this. I knew I had outstanding credit, I got my credit pulled and found out the problem I am a witness of identity theft. Most of these open accounts that have been open for a while do not belong to me. Please remove these items from my account. Thank you. 

XXXX XXXX XXXX XXXX XXXX {$610.00} XXXX  XXXX {$2100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation