hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2019-08-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (OH)

Complaint:
The company that sold the vehicle, sold a lemon. The vehicle was unable to be driven after 23 days of possession. That is why there is such a high loan balance due after repossession. I was unaware that I was a legal co-signer, I thought I was a reference at the time I signed the co-sign paperwork. The individual summarized the paperwork and had me to sign it. I didn't realize I was a cosigner until it was on my credit report. During the repossession process I was never made aware of any delinquencies or given a chance to assume the loan and pay it off. Now, I am trying to make payment arrangements for a repossessed vehicle that wasn't mine and they are giving me a hard time. My wife called three times and they refuse to give us information or make payment arrangements for the remaining balance. She called three times today, the XX/XX/XXXX, and each time they ask to speak with both me and the person I co-signed for and I keep explaining that is not possible. The person I co signed for doesn't want to pay the balance because it was a lemon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
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. (PA)

Complaint:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (FL)

Complaint:
In XX/XX/2021 my husband and I received promotional offers to upgrade our AMEX. This was emailed. We followed the link and I upgraded to Gold and was supposed to receive a large sum of XXXX points if we spent $ XXXX in 90 days. Our statements show we made a clear effort to use the Amex for our spending and we reached the agreed upon amount very quickly. 

We noticed the points didn't arrive after the statement ran. We have called several times and we get the runaround with no real knowledge or seemingly a department to handle these issues. 

Ultimately today after cases were opened with no return calls as promised a supervisor informed us that because we didn't keep the email we can't prove that we accepted an offer and they refuse to provide the points. 

Unfortunately this was a quid pro quo agreement with American Express and we did out part. 

They are putting it on US to prove when THEY had THEIR promotion. 

We did not keep that type of an email as this does not seem that it would need to be an issue that would require proof from their promotions. They are able to confirm the timing of their own promotions, see when we upgraded and see what we spent. 

This is a clear refusal after receiving their portion of the agreed procedures to not provide their part of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

Complaint:
I have submitted a complaint about incorrect reporting. 

I was advised via the CFPB process that the company would be informing about the steps that were taken to investigate reported information. 

To date, I have yet to hear anything of substance from XXXX XXXX, Equifax, or XXXX about the steps that were taken. 

I maintain that what they have reported on me is incorrect, and not single phone call, letter, or any means of communication has been made to contact me about clearing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
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 XX/XX/2020, XX/XX/2020 and XX/XX/2020 inquires were made on my credit by companies that I do not recognize.

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 2018-03-20
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: WELLS FARGO & COMPANY (TX)

Complaint:
I've discovered a credit inquiry that I did not authorize and it has damaged 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 non-monetary relief
Consumer complaint received 2023-06-03
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Collection Bureau of America Ltd. (CA)

Complaint:
I have sent several letters to the City of XXXX and Collection Bureau of America on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX as of today they have not responded. After looking at the debit it was reported XXXX/XXXX/XXXX the statue of limitations has lapse. Please contact all credit bureaus to have removed from all reports.

Company response to consumer: Closed
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
Two XXXX XXXXXXXX credit cards were opened in my name. Both cards were maxed out and left unpaid now showing as collections on my credit report. I've already filed a dispute on these charges with both the originating company as well as the credit reporting company. The originating company was not helpful and claimed because I couldn't show proof they weren't opened by me ( how do you even do this ) that they would remain under my name.

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 2018-09-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company (NC)

Complaint:
InXX/XX/2018 I received a letter from Frost Arnett for an attempt to collect a debt for {$350.00}. I spoke with them and asked what this debt was for. They stated that the debt was for money owed from XXXX XXXX XXXX XXXX hospital stay. On XX/XX/2018, I reached out to XXXX XXXX XXXX concerning this debt. I explained to a female represetatie that my XXXX insurance was supposed to cover my debt, and if they did not cover in full, that my Medicaid would. She told me to call and get my ID number. I called Medicaid on XX/XX/XXXX, and they provided the number to me. I also called Frost Arnett on XX/XX/XXXX which they have record for at XXXX. I explained that I spoke with the original creditor, and provided my Medicaid information. I asked BOTH parties if I needed to follow up with them concerning this debt. Both said that if there were any issues, I would be contacted via phone or email. 

On XX/XX/XXXX, I received an alert on my phone stating that this account was in collections. I immediately contacted both the collection agency, original creditor, and XXXX XXXX XXXX Hospital. Everyone has a record of me contacting them concerning this debt except XXXX XXXX XXXX. XXXX XXXX XXXX stated that it is now too late to apply my Medicaid ID, and they had reached out multiple times although I have not received any communication from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Complaint:
I did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX XXXX XXXXXXXX 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 2018-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (AZ)

Complaint:
I've attended XXXX during the XX/XX/XXXX to XX/XX/XXXX school years. I have two student loans left which both are Stafford Loans with 4.85 interest rates. Soon after the school XXXX took over the loans. While not any better at the time, it was managable since my payments were exceptable. Since Navient took over, has been nothing but problems. It is impossible to deal with these clowns. No one seem to give any kind of information about changes in the loan. One month the loan is at {$150.00}, the next month is {$300.00} claiming there are late chargers applied. I was in a hardship 2 years ago. They put me in forbearance. My status has not changed unfortuantely with recent health issues. I've applied for IDR 1 year ago. I have yet to see the process completed. They keep pushing me in forbearance on purpose to collect on interest. These people are scumb. Someone needs to deal with them. Reading other people 's posts and it scares me how these people are playing with other peoples lives. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Complaint:
Per review of my student loans, which started in the year of XXXX and was consolidated in the year of XXXX for the PSLF. My qualifying payments were XXXX at {$0.00}. These loans were created for me to attend and graduate Virginia XXXX XXXX. Currently, I have a XXXX XXXX XXXX in place that is pending/processing since XX/XX/XXXX for the Virginia XXXX XXXX loans because of the inaccurate information, fraud, and absent accreditation. Also, during this time I went back to school at XXXX XXXX XXXX ; XX/XX/XXXX, which has placed my current loans in a deferment. I was not made aware of this deferment, or was this information told to me. When I submitted my PSLF application and was approved, I was not made aware that if I was to start college again that my old school loans, that have nothing to do with my schooling now, would be affected. The other inaccurate information is XXXX reporting my school loans on my credit report stating they will fall off my credit report in 7 years which will be XXXX. This is not correct as I received my loan in XXXX and this year of XXXX and month of XXXX, all account information of XXXX should not be reported onto my credit. The reason it states " XXXX '' is because I made a conslidation on my loans but that doesn't change when I got the loans per when I spoke to Experian. Ive already made a status change dispute of this to the credit bureau, and it was processed on XX/XX/XXXX, by XXXX - " Dispute resolved - consumer disagrees. Before disputes were made, on Friday XX/XX/XXXX, I made a phone call to XXXX customer service to ask what my best approach to my school loans at this time would be. This is how I was made aware of the deferment on my account and with no reason why. I asked about my loans being removed from credit and the representative stated, that is not accurate information, after 7 years only late payments fall off. I asked how long a wait would be on a Borrowers Defense Application and received an answer of over a year. XXXX as a company has made it hard to move forward, be knowledgeable about account information, and has failed as company to keep me updated on my own information. Per credit bureau, after 7 years, a school loan does fall off your credit your report. Customer service should not be stating inaccurate information to current students, customers, members or whomever. After receiving the dispute results, I sent a certified letter to XXXX, and only received a signed certified tracking card back. I waited 30 additional days with no payer correspondence. Again, I am asking for just the school loan to be removed from my credit report. Thank you.

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 2021-12-03
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 was a victim of identity theft. it is an inquiry that is not mine. It is XXXX XXXX XXXX on XX/XX/2021 2021

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 2023-02-24
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. (CT)

Complaint:
I am making a complaint about the Experian Credit Bureau. My score whit them always below XXXX while the other two major bureau have me close to 800, Experion say they will boost your credit if you pay, is that honest. 
There is nowhere on their website for me to complain except for me to contact that by mail. Why are their score so low? Compare it with the others. That's my complaints thanks, 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 2020-06-02
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Telerecovery Corporation (TX)

Complaint:
TeleRecovery of Louisiana was showing on my credit report. I called to inquire about the collection reporting. The representative that answered the phone was very rude to me. I filed a complaint with the Office of the Attorney General of Louisiana. The Attorney General Office took my complaint against the agency. They submitted my complaint to the company, Telercovery of Lousiana. A representative, named XXXX, worked with me to resolved the issue in a professional and ethical manner. However, the company representative was not professional and used an abrasive tone with me when I first made contact to inquire about the debt. However, I paid the debt, and it was removed from my credit file. The general manager, XXXX XXXX XXXX did not reach out to me to obtain my side of the story. She assumed that I did not make sense as she sided with the inexperience representative. She tried to portray me as argumentive in her response. Her response had a lot of grammatical errors that portrays her as unintelligible in her written response to XXXX XXXX XXXX. The company never sent me an itemized bill for debt verification to retain for my personal records. The company did not have the correct address but did have my phone number on file. This was an attempt to collect an old debt, due to COVID-19, which has past the statute of limitations for debt collection. XXXX XXXX XXXX XXXX should be knowledgable about the time frame a debt can be collected. I do think that she and the unnamed representative are unprofessional and lack professional etiquette for effective customer service.

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 2021-08-15
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. (TX)

Complaint:
A blow to my credit score took place under a unauthorized, unaware of hit of a car loan for a vehicle I've never thought existed

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 2023-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (TX)

Complaint:
I dont have a problem with rules and guidelines if theyre followed consistently. Cash app just kind of changes on a daily basis! One, its frustrating, two its not right. honestly Im tired of all these banks just doing whatever they want to take advantage of people.

Issue : Hotel charge, when I check out they immediately release the hold. Most banks, incidental charge goes back fairly quickly not with cash app they just let it sit there for a while so the last few times I have sent them the final receipt per their request showing that the balance was paid and to please release the other money back into my account And today I tried that and was told they are unable to do that although I followed the same procedure I did last time! Now granted I say the last few times they did it but a few times before that they gave me an issue so its sometimes they do sometimes they dont whats the procedure? well every dollar counts for me right now and I dont wan na go into all my personal stuff and what my issues are but finances are real tight right now. Im XXXX and I get XXXX once a month and times are a little frustrating and what adds to the frustration is their attitude just rude, fast and quick trying to get you off the line so they can move onto the next customer this particular time were talking about {$11.00} thats {$11.00} of gas money I can use its {$11.00} that I can use toward my granddaughter who I help raise its the principal of it! One day Its one way the next day its another Im sick of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Investors Servicing Corporation, Atlanta, GA Branch (TX)

Complaint:
I am writing to dispute the following information in my file. 
This account is grossly inaccurate. FIRST INVESTORS HAS BEEN PLACED ON NOTICE FOR SEVERAL TIMES FOR CONTINOUSLY PROVIDING INACCURTE ACCOUNT DATA YET HAS CONTINUED TO REPEAT VIOLATIONS AFTER LITIGATION INVESTGATION CONCLUDED & FINED. REQUEST FOR IMMEDIATE REMOVAL OF DEROGATORY INFORMATION AT ONCE. FISC LIST MULTIPLE INACCURATE PAYMENT DATES, ERRONOUS BALANCES, INFLATED INTREST & DUPLICATED FEES. FAILURE TO COMPLETE PROPER INVESTIGATION AND PROVIDE ACCURATE HISTORY OF PAYMENT RECORD WITH TIME STAMPED ENTRY OF RECEIPTS. LITGATION & COMPLAINTS PROCEEDED DEMAND FOR COMPLIANCE OF FCRA. 
This company has shamelessly shown for years the FCRA does not apply to them and should be held in contempt as they continue to take advantage of subprime customers who have had limited opportunity based on inaccurate scoring in which companies such as XXXX contribute to and prey on. 

Enclosed is a copy of the lawsuit confirming the ruling and fine of this company for knowingly providing inaccurate misleading account information. Even after being litigated against this company continues victimize customers by damaging their credit scores, implicating unjustified excessive fees and interest while creating emotional distress. I have also included their most recent dispute investigation results provided to XXXX showing discrepancies in balance, payment amount and date of which is being reported to XXXX and what is actually conveyed to the consumer. I ask that you take a stance against this company and hold them accountable to act in accordance with the law. Please delete the disputed item immediately to prevent further damage

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