hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-02-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BMW Financial Services NA, LLC (GA)

Complaint:
I purchased a XXXX XXXX XXXX in XXXX. I purchased at least {$12000.00} worth of add on services like extended warranty, rim replacement, dings and dents, etc. 

My car was hit and totaled on XX/XX/XXXX. I have never made a claim against any of the additional services that I purchased. The car is paid off. 

I reached out to XXXX XXXX in XXXX, GA who failed to file the paperwork. 8 weeks later, I reached out again but no one will take my call or return my calls. I tried to contact BMW corporate but they will not assist, because I requested that they verify me with information other than the last 4 of my social security number. I gave the last 7 of the VIN, the number i called from was verified by the automated system, I would give my address. 

The number and address of XXXX XXXX are as follows : XXXX XXXX XXXX XXXX, GA. XXXX ( XXXX ) XXXX. 
The people with whom I spoke there are XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

Complaint:
Hello I cant access my credit report like whatsoever my son is XXXX  and my id is attached to this complaint im submitting. I pulled my credit from another source outside of Equifax and there's was nothing, zilch, notta showing. I hope with this sensitive information I've attached Equifax will be able to submit me a credit report. I would also like to regain Equifax to www.myequifax.com I haven't seen my report on the website in years. Nor have I been able to access it from Equifax website or annual credit report.com please help thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
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. (NY)

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 these accounts. I have no knowledge of this and all is being investigated 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. Please delete these accounts : XXXX XXXX XXXXXXXX, 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 2023-07-25
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2020-07-17
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: OneMain Finance Corporation (FL)

Complaint:
Greetings, I have reached out to all the XXXX  concerning inquiries reflecting on my credit report I did not approve. In this process, XXXX  provides the same reply every time and not providing the documents of how or who they spoke with to verify the information I am disputing. XXXX  provided address information for the inquires reflecting my report - so far two of the inquiries mailing address was returned to the sender and not received. the other mailing addresses have not responded. OneMain signed for my letter reaching out to them concerning the following inquiry reflecting my credit report. They signed for my letter on XX/XX/2020 and today is XX/XX/2020 and they have not replied within the 30 days given to response. This company which pulled and reviewed my credit without approval can not provide a signature, esignature, statement, voice recording of me authorizing this pull. Which is why I disputing the following accounts. It needs to be removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
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: LEXISNEXIS (CA)

Complaint:
XX/XX/21 I sent a letter to lexis nexis certified mail # XXXX regarding verification and deletion of bankruptcy and inaccurate info. Lexis Nexis has reported a bankruptcy to a third party company ( consumer agency ) without my consent and is in violation of my privacy. Attached in the letter to this complaint I requested answers to a few questions and never received any response. Its been more than 30 days .... -Proof that you did not violate 15 usc 1681 ( a ) ( e ) -That this bankruptcy is verified, and since the courts did not verify, congress states that you would have to conduct an investigation with neighbors, friends or associates which I know was not done neither. -That you had consent/persmission from me to report such information with signature or written instruction 15 usc 168b ( a ) ( 2 ) -That you did not infringe upon my consumer right to privacy which is a form of identity theft 15 usc 1681 ( a ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ReliaMax Holding Company (MD)

Complaint:
I took a loan out with ReliaMax lending services to pay for a pharmaceutical sales course online ( XXXX ) thru XXXX XXXX XXXX XXXX XXXX. 
As it turns out the course was a scam and a way for the instructor to make money. Meanwhile I am still responsible for this loan. I do not want to pay for something that was a scam and will not get me anywhere. The instructor got sued in the state of Colorado a few years back.Therefore he should not be allowed to even teach this course. 

I need relief from this loan and do not want to pay remainder. Below you will see links to the lawsuit and complaints for company. 

https : //www.stopfraudcolorado.govXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  https : 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 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Complaint:
In accordance with the Fair Credit Reporting Act these creditors have violated my rights under 15 USC 1681 section 602 which states I have the right to privacy. 15 USC 1681, section 604 ( a ), section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ) a creditor may not treat a payment on credit account under an open end consumer credit plan as late for any purpose Creditor : XXXX XXXX : Late Payments XXXX, XXXX, XXXX year XXXX and XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX Late Payment XXXX, XXXX, and XXXX XXXX XXXX XXXX Late Payment XXXX XXXX XXXX Late payment XXXX XXXX XXXXXXXX XXXX Late Payment 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 non-monetary relief
Consumer complaint received 2021-06-15
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. (CA)

Complaint:
I co-signed a loan for my ex wife and she defaulted and now Im left with a charge off thats hurting my score tremendously Ive tried to get them to remove and this was also involved in litigation.

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 2020-09-17
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. (PA)

Complaint:
Initiated disputes via mail and online with Experian, providing proper identification documents, sent via certified mail # XXXX XXXX XXXX XXXX XXXX on XXXX. The online method issues auto responses without providing any information about how accounts were verified, even though the accounts still report inaccurate and missing information. 

The following accounts have been repeatedly disputed due to inaccuracies. The CRA has a pattern of denying my rights under the FCRA ( sect 611 ). They have reinserted inaccurate and incomplete information further depressing my credit scores. Experian has stalled my dispute process randomly requesting identification documents which they have on file and, were submitted with my disputes. 

The following accounts continue to report inaccurate, missing and unverifiable information : 1. XXXX/XXXX Account # XXXX : Date Opened XX/XX/XXXX : Account has missing information which the CRA will not update ; Highest Balance, balance. Request for immediate deletion. 

2. XXXX Account # XXXX : Date Opened XX/XX/XXXX : The account is missing its complete payment history. It is only reflecting 7 months of my payment history. Request for deletion due to incomplete information and failure to resolve within time allowed by FCRA. 

3. XXXX/XXXX XXXX Account # XXXX : Date Opened XX/XX/XXXX : Account is missing balance which should read " XXXX '' /XXXX. It is left blank. Request for payment history verification due to inaccurate missed payment was not honored. Request for deletion due to inaccuracies. 

I have a right to complete and accurate information, or the accounts here must be removed immediately. I am respectfully asking them to comply with FCRA.

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 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 
Account number : XXXX Account status : Closed Date opened : XX/XX/2014 Account type : Installment 15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

Complaint:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
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. (KY)

Complaint:
I have been a victim of identity theft since 2014. I am at my wits end getting these items removed. Equifax has been the worst out of all 3 reporting agencies. I have provided my FTC paperwork, court ordered paperwork signed by the judge clearly stating the accounts were not mine and now I am including my new updated police report ( this is the 3rd one in 6 years ) but yet this company refuses to follow the law and remove the fraudulent items off my report .... which makes it even worse since they are also a company who let me information out into the world

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc. (LA)

Complaint:
Collection Agency is trying to collect on a debt that has already been paid in full by Medicaid, the contract ended/was cancelled once it was paid, but yet the agency is still trying to collect a debt that I DO NO OWE THEM, I never entered into a contract with this agency, I haven't received any notification or documentation bearing my signature tying me to this debt, the agency never stated or sent any letters ( dunning ) stating I owe or they were going to put this on my credit report and give me a negative mark,!! I DEMAND THIS ACCOUNT BE DELETED IMMEDIATELY..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (PA)

Complaint:
They call my cell number and my home number on the same day. They call both each day. They call and dont say who they are and ask for personal information. 

I have spoken to them and explained that this was an insurance error and that it would be paid in a week and asked them to stop calling for one week to see if it gets resolved. I also told them if it is not resolved in one week that I would pay it. 

I have asked them to stop calling and the above info XXXX separate times. 

They call from multiple unidentified numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IL)

Complaint:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer.

In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

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 2023-03-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

Complaint:
I am a Sam 's Club member. I had always use my XXXX XXXX credit card to make payments. I was asked if I wanted to open a Sam 's Club credit card. I was told I would get more benefits. I asked, if there was a monthly card fee ~ I was told " no ''. So, I said, I would apply. I received the card and I have never used it. This card is with Synchrony Bank. I received a statement from Synchrony Bank ~ stating, a balance of {$53.00} and a minimum payment due was {$29.00}. The {$53.00} is the renewal fee for my Sam 's Club membership. *** HERE 'S THE PROBLEM *** I did not authorize this payment!! I state now and for the record this is a fraudulent charge. I bring this to your attention because, IT IS SYNCHRONY BANK WHO CREATED THESE CHARGES. 

If you need any more information from me, I will be more than willing to comply.

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 2023-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (OK)

Complaint:
On XXXX I filled out an card application via web link https : XXXX? XXXX & XXXX : XXXX & XXXX & XXXX & XXXX for the CITI SIMPLICITY CARD which is offering 0 % XXXX on purchase for 12 months, 0 % XXXX on balance transfers for 21 months with a balance transfer fee of 3 % or {$5.00} minimum ( for the 1st 4 months ) ... ... ... I then clicked on the link to fill out the application for this same card https : //online.citi.com/US/ag/cards/application? XXXX & XXXX : XXXX & XXXX & XXXX & XXXX & XXXX % XXXX % XXXX % XXXX % XXXX % XXXX & XXXX XXXX XXXX as you can see when checking these links there is no mention or option for the CITI DIAMOND PREFERRED card nor did I apply for this card ... XXXXwhen my application was processed to my surprise I received an email congratulating me on being approved for the DIAMOND card ... ... after seeing the fee for balance transfers on the DIAMOND card was 5 % instead if 3 % I called to explain there was an mistake made by CITI and that I did not agree to different terms ... XXXXthey insisted I did and advised there was nothing they could do to change the terms so now I am reaching out to you for help I don't have and did not use any other link so there must be an error on their website/system causing the 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 2019-05-08
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. (MO)

Complaint:
As a Missourian in concert with the state law one has the right to bring civil action against anyone including a consumer reporting agency, inwhom improperly obtain access to a file knowingly misuses file data, or fails to correct inaccurate file data. My instant issue here is that I have sent a demand to all of the 3 major credit reporting agencies to either provide me with physical documentation of these unknown and unauthorized accounts reporting on my credit file or to block, remove and/or delete these items immediately Pursuant to FCRA 611 ( a ), and the FCRA. 

Accounts 1 ) XXXX XXXX {$4500.00} 2 ) XXXX XXXX XXXX {$30.00} 3 )  XXXX XXXX XXXX {$680.00} 4 ) XXXX {$72.00} 5 ) XXXX {$71.00} 6 ) XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX {$140.00} 8 ) XXXX XXXX of {$5600.00} 9 ) XXXX XXXX {$2800.00} Please remove all the about accounts from my credit data file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
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:
I have an account that was reinserted on my credit from a company that I have never done business with : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX they sold this account to some 3 party junk debt buyer and I never recieced any 30 day notice or contact what so ever. I demand this account be deleted at once due to several FDCPA violation and FRCA violations. I never signed any release for my HIPPA act protected medical records to anyone at any time. 
I have been effected by the COVID 19 Pandemic shutdown and was not able to work due to restiction in the state of Florida I has a few late Payments from XXXX XXXX XXXX XXXX # XXXX I request they be removed and from my credit report.Looking over my credit report I noticed there were some late payments showing and due to the pandemic/hardship I was not able to make those payments on time. The following accounts are listed that show late payments for 2020 XX/XX/2020, XX/XX/2020, XX/XX/2020, XXXX, XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION (TX)

Complaint:
I do n't know where this is coming from. I just got {$550.00} delinquent payment on my credit history.

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 2017-04-27
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. (TX)

Complaint:
XXXX   XXXX  claims they are servicing a loan for   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX .   XXXX   XXXX    XXXX   XXXX   XXXX  was conveyed a Trustee 's Deed on  XXXX   XXXX . The   XXXX   XXXX   XXXX   XXXX    XXXX  filed a Forcible Entry and Detainer Suit in  XXXX .   XXXX   XXXX   XXXX   XXXX    XXXX  was awarded Judgment of Possession in  XXXX   Court and County Court i n  XXXX . I filed a lawsuit to enjoin a Wrongful Post-foreclosure eviction. On  XXXX / XXXX / XXXX  in open Court,   XXXX   XXXX   XXXX   XXXX    XXXX  's advised the Court they would not eviction me during the pendency of the lawsuit. This lawsuit is currently pending in the  XXXX  District Court,  XXXX  county Texas.     On  XX/XX/XXXX ,  XXXX  's attorney admitted in  Open Court they were only responding to a dispute letter. They had sent me no default letter, notice of Acceleration, or notic e of foreclosure. However, my credit report shows I 'm delinquent.

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