hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-07-07
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. (PA)

Complaint:
I have contacted the bureaus and creditor about this account and provided them details on how it's being reported inaccurately, but nothing has changed since then.

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 2020-11-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (FL)

Complaint:
I obtained a used car loan from TD Bank with and they had my address incorrect for the first 3 months of my loan period. I called numerous times, tried to set up auto pay and I paid {$1200.00} last month. My payment of only {$590.00} and somehow I was charged another {$57.00} in late charges? I am only on my 6th payment and I am fairly certain I have been charged the same fee EVERY TIME. I called on a Saturday ( my day off ) and begged! to speak with a Supervisor because I have a 100 % on time payment history and work with everyone I have debt with to pay on time so this is no different except they will not take responsibility for dropping the ball. I'm looking at my statement and none of it makes sense. The statement date is XX/XX/XXXX but my payment is due XX/XX/XXXX. The statement doesn't tell me my interest rate, why or when the fee was charged or what the billing cycle even is. How have statements evolved to provide NO IMPORTANT information. The statement date is the XX/XX/XXXX but I got it today, XX/XX/XXXX which gives me 12 days to make a payment or get charged 10 % as a late fee?? I demand all of the fees be credited to my loan because I asked for a supervisor to call MONTHS ago and no call. I have no way of resolving this if the person I am talking to has no authority and nobody follows up with you forcing you to CALL AGAIN. I told her there is no difference to me to pay on XXXX or any other day of the month so why would I take a late fee. I am barely scraping by because I have made no money this year so why would I pay 10 % fees on loan I was told I can't refinance even though the rate on this loan is 7 %! They say they are about customer service but I have gotten no help, empathy or support while I try to resolve this. Again, I pad {$1200.00} on XX/XX/XXXX and the current amount due dated XX/XX/XXXX should a assessed late charge. I've basically paid {$360.00} EXTRA in fees. They don't even tell you how much you pay in interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-17
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AES/PHEAA (MN)

Complaint:
I applied for a review of my income-driven repayment program XXXX. I received a letter dated XX/XX/XXXX sating there was missing paperwork. I mailed the proper documents that month. My credit score dropped 83 points in XXXX. XXXX XXXX claims the approval process for the IDR repayment program takes weeks and the company reported neg during the process. I asked why wasn't the IDR program started in XXXX instead of XX/XX/XXXX or at least when my paperwork was submitted to no answer. The loan is now in forbearance as it should have been until the IDR repayment program started instead reporting neg. I have disputed the reporting status looking regain the 83 point lost on my credit reporting angecies and XXXX XXXX should report the proper status of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
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. (CA)

Complaint:
Disputed on several occasions with Experian regarding XXXX XXXX over the past 3 months with no outcome

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 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Complaint:
My data was " potentially '' stolen as part of the recent Equifax security breach. 

I 'm also appalled that they try to trick you into signing up for " Identity Protection '', and waiving your legal rights to sue the ever-living XXXX out of them. 

If you use their website to check if your data was stolen, DO NOT SIGN UP FOR ANY SERVICES.
Request a 90 day fraud alert from any of the big three reporting companies, and do nothing else, unless you want to freeze your credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (TX)

Complaint:
I recently applied for cash magnet from amex and got approved immediately. Since, I was receiving offer letter to apply for blue cash everyday credit card of amex for more than 2 years, I decided to apply for bluecash every day as well after 2 weeks of approving for cash magnet. Before applying, I searched on the internet and I found that the best plan is to use both combination of cash magnet and bluecash everyday together for everyday purchases and there is no constraint to apply for both. 

However, surprisingly I got declined immediately from amex for bluecash everyday! I called and explained the situation and the representative told me my account is in good shape and the only reason that I go declined was because system thought it is a duplicate application based on your current cash magnet application and that is why you got declined. As a result, we review your application manually and you would receive a call soon regarding our decision which would be your approval for the credit card! 

After 5 days, I receive a mail which is noticed me the amex abide by their decision and I am not qualify for being exception of approval for bluecash everyday! I was shocked when I read that mail as I expected to receive a call and being approved for the bluecash every day credit card! 

I called amex again afterward and I was told your application can not be approved as you already have the cash magnet credit card! 

I searched again on the internet and I could not find any policy any where regarding to not be able have both card at the same time! There are many people outside that talking about the benefits of using both card together as a combination! Also, if there was a policy I should know it ahead of applying to not allow them to pull up my credit report account! 

I need amex to review my account once again and approve my application. 

Bests, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
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. (AZ)

Complaint:
Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Late and I never missed a payment. Please provide me with enough proof as evidence that I have been late on this account. If you don't have enough evidence, kindly update the late remarks immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
In good faith, I have been attempting to correct my consumer report. I have tried on several occasions to address the incorrect reporting on my consumer report with TransUnion. TransUnion has validated the following accounts on my consumer report as accurate, TransUnion has failed to prove that these accounts are accurate and verifiable, as these same accounts all show inaccuracies across all XXXX credit reporting agencies. 

The inaccurate and unverifiable accounts are as follows : XXXX F : XXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX : XXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX XXXX : XXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX of XXXX : XXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX  : XXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX  XXXX : XXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX : XXXX [ Never provided proof of verification ] XXXX XXXX : XXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] XXXX XXXX : XXXX [ Date Opened, and Last Active is inconsistent across 3 reporting agencies ] According to this law below, inaccurate or unverifiable information should be deleted from my consumer report : 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2020-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

Complaint:
I was late on my credit card payment ( {$60.00} ) FIRST time and for a two days only. I explained the representative that I missed the payment due not feeling well. The Representative was not willing to help me and remove the late fee ( {$25.00} ) despite frustration and pain caused by coronavirus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 explanation
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Complaint:
hey, I'm complaining because sometime last year somebody has stole my information, my identity. They try opening credit cards under my name. I reported all my cards I closed on my cards and I paid off my credit card that I had that I had open. I'm getting hard inquiries on my credit report that and I want them removed.

[ 15 U.S.C. 1681 et seq

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (NY)

Complaint:
I XXXX XXXX Have been Victim of identity theft. I have called this company many times about this problem. This company EOS CCA is a debt collection agency I do not own them any money. I have never hear about this company and this company is reporting that I owe them money to the 3 credit report companies that I owe them money. This company has been harassing me with phone calls, letters, and threatening me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
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: BARCLAYS BANK DELAWARE (GA)

Complaint:
Hello. This is a follow-up to ( two ) prior complaints with Barclay 's. The complaint number is XXXX. 

Recap : Barclay 's is reporting an XXXX XXXX XXXX  MasterCard that was opened fraudulently. I asked for validation of the debt. They did not provide anything to me and then after close to two months provided me with fraudulent statements ( they asked for my current mailing address and SSN which I provided in my letter to them. They in turn took my current address - a PO Box - and placed it on old statements ). 

I few months back I went to the police department in XXXX XXXX for file a fraud affidavit. The intake office said he could not sign off on the affidavit because the account/crime was too old. He did provide his business card, which I'm submitting in my documents. So, I had the document notarized. 

I recently received a letter from Barclay 's now saying that the original creditor is XXXX XXXX XXXX and that I would have to contact them for the documents I am requesting. 

First, XXXX XXXX XXXX is not reporting on my credit bureau report - Barclay 's is the one reporting. 

Two, Barclay 's provided me with fraudulent statements. They have no legitimate documents to validate the debt.

Three, why is it my responsibility to now go to XXXX XXXX XXXX for validation documents when they - XXXX - sold the debt to Barclay 's. It's Barclay 's responsibility to validate the debt not mine.

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 2021-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (UT)

Complaint:
I checked XXXX XXXX, had a new account open with Jefferson Capital Sy Opened XX/XX/2020. The account is for XXXX XXXX, which I do not have. 
I called XXXX, the representative said someone with the last name XXXX is using my social security number. I do Not know anyone by that last name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
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: Experian Information Solutions Inc. (FL)

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my Federally Protected Consumer Rights to privacy and confidentially XXXX  Account Name # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US SM BUS ADMIN ODA, US SM BUS ADMIN ODA. 

15 U.S.C 1681 section602A. States I have the right to privacy.

15 USC 1961 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an without my written instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd. (LA)

Complaint:
{$0.00} Collection Bureau of A. This account has been paid in full. Company has offered to removed. No result has been rendered

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
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: EQUIFAX, INC. (CA)

Complaint:
Multiple inquiries that did not result in an account were placed on my credit reports that were not mine. I asked that these items be removed immediately. I have sent letters to the credit report agencies and have gotten no response in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CO)

Complaint:
Citibank has not resolved my issue with ( 2 ) {$1600.00} charges to my card. The charges were made on XXXX XXXX, 2017. Citibank has investigated the matter and has said that I am not responsible for the charges. Since then there have been ( 4 ) more debits and ( 5 ) credits in the amount of {$1600.00} each leaving me with ( 1 ) {$1600.00} charge that all parties agreed I did n't make. There are also charges of {$110.00} on XX/XX/XXXX and {$120.00} on XX/XX/XXXX both of which Citibank has not investigated. I first started communicating with Citibank on XX/XX/XXXX when I first noticed the charges. I have been calling their fraud department on about a weekly basis and finally sent a secured email where I got a response that my account was correct. I have since run a full account review of my card that I have had only since XX/XX/XXXX of 2017 and found that even with the incorrect charges on my account the balance Citibank says that I owe is incorrect. I have also found ( 1 ) instance where Citibank credited me an extra {$39.00} as part of a fraud charge. Right now my card balance and transaction history is a joke.

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 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Complaint:
There are currently numerous inquiries listed on my credit report that I have no knowledge of. These inquiries were not authorized or initiated by me and was a result of identity theft or malpractice.

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 2017-06-22
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:
On XXXX XXXX, 2017 I sent a letter to XXXX XXXX XXXX requesting validation of a debt they said I owed them in the amount of {$1300.00}. The original creditor was XXXX XXXX XXXX XXXX replied back to my request on XXXX XXXX, 2017 and stated that this was a business loan secured by me with a personal guarantee and this was why the could put it on my personal credit. When I asked for the personal guarantee that I supposedly signed they could not produce it. XXXX XXXX went as far to say they were not a 3rd party collection agency and that the FDCPA rules did not apply to them. I could n't get anywhere with XXXX XXXX, so I decided to contact XXXX XXXX/XXXX/2017, XXXX/XXXX/2017, XXXX/XXXX/2017, XXXX XXXX/XXXX/2017, XXXX/XXXX/2017, XXXX/XXXX/2017 and Experian XXXX/XXXX/2017 to help me resolve this issue with XXXX XXXX. All XXXX bureaus gave me the run around and all I wanted was an honest investigation.

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 2022-06-22
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: Experian Information Solutions Inc. (VA)

Complaint:
n accordance with the Fair Credit Reporting act ( XXXX  Account number XXXX ) XXXX XXXX XXXX  XXXX Account number XXXX ), ( XXXX XXXX XXXX Inquiry date XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX ) ( XXXX XXXX XXXX Inquiry date XX/XX/XXXX, ) ( XXXX Inquiry XXXX XX/XX/XXXX ), ( XXXX Inquiry date XX/XX/XXXX, ) ( XXXX Inquiry date XX/XX/XXXX ), ( XXXX Inquiry date XX/XX/XXXX ), ( XXXX Inquiry date XX/XX/XXXX ), ( XXXX Inquiry date XX/XX/XXXX ) ( XXXX XXXX XXXX  Inquiry date XX/XX/XXXX ) ( XXXX XXXX XXXX  Inquiry date XX/XX/XXXX ), ( XXXX XXXX Inquiry date XX/XX/XXXX ), ( XXXX Inquiry date XX/XX/XXXX ), ( XXXX Inquiry date XX/XX/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 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 2023-01-24
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. (IA)

Complaint:
In accordance with The Fair credit act XXXX account number 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, has violated my rights. 15U.S.C section 602A. States I have the right to privacy. 15U.S.C sec1681 604A section 2 it is also States a consumer reporting agency can not furnish an account without my written instructions

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