hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-06-12
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: DISCOVER BANK (TX)

Complaint:
I purchased an item from XXXX on XX/XX/21 using Discover card. When it arrived, it was found to be not as described, missing a key part. Contacted XXXX for refund or replacement on XX/XX/21. No response was received. Initiated dispute with Discover on XX/XX/21. Discover dismissed my dispute it for no reason even though the merchant ignored and did not remediate the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Complaint:
I was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: FBC MORTGAGE, LLC (FL)

Complaint:
On XX/XX/XXXX I went to a Preconstruction site seller ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) had their preferred lender on site. New home consultant, Lender ( FBC mortgage ) and myself began to Converse about purchasing my first home ( conventional loan ) I wanted to move forward I filled out a loan application, signed a contract and my credit was pulled I was advised by lender to get with his credit repair company he works closely with to get my credit up for a better interest rate down payment was made ( XX/XX/XXXX ) I never received an approval letter or a denial letter. Lender pulled my credit several times without notify me or communicating with me for five months. My credit is going down paid credit repair company emailed me in XX/XX/XXXX stating he needs 4 more months to work on my credit I canceled repair service. Notify the lender and builder of my cancellation once I did that home is complete in XX/XX/XXXX they schedule closing date XX/XX/XXXX I was not able to close due to my credit score builder ( 13 floors ) said I 'm in default and they are keeping my down payment ( {$19000.00} ) Builder 's attorney sent me a default letter with an extension for XX/XX/XXXX with penalties {$170.00} per day starting from XX/XX/XXXX up until XX/XX/XXXX. Because I did n't let them pull my credit on XX/XX/XXXX due to me getting a new Lender and attorney I received a letter stating my deposit will be disbursed to the seller directly and the property has been placed back on the market for sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

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 2023-05-16
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 did not authorize or benefit from any of the listed inquires. I also noticed 4 fraudulent accounts reporting to my consumer report. These accounts are reporting fraudulently to my consumer report because I the consumer gave no written instruction to any company to report anything onto my consumer report. This is a direct violation under title 15 U.S.Code 1681b ( a ) ( 2 ) and need to be blocked and deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Complaint:
I respectfully request your prompt attention to the following inaccurate information on my credit report. The following item is inaccurate negatively affecting my credit please re-investigate this matter and delete end or corrected speeded item. I respectfully request that you provide me with proof of the disputed item specifically any contact note court document or any instrument be having my signature. Failing that this item must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
I recently submitted a request for an investigation of the disputed account, Since I believed XXXX and TransUnion Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since CREDIT BUREAU 's investigation was done improperly, XXXX and TransUnion Credit Bureaus must update the listed account from my file. 
XXXX XXXX Balance Owed : {$11000.00}.

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 non-monetary relief
Consumer complaint received 2020-06-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: American Credit Acceptance, LLC (PA)

Complaint:
I co signed this loan for my son. In XXXX of 2019 he was in an auto accident. The car was deemed totaled by the insurance company. All state insurance paid their balance immediately. I called American Credit Acceptance and the dealership many times to get them to have the GAP insurance cover the remaining balance. I continued to pay this loan in XXXX, XXXX and XXXX to make sure this did not report negatively on my credit. But low and behold even when the car was completely covered by insurance and GAP insurance some how they still managed to destroy my perfect credit with a 30 day late payment in XXXX of 2019. This is NOT acceptable. We were NEVER late on this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Complaint:
I bought at beginning of XX/XX/2019 some products in XXXX since the bill was a little high. I took the offer the same site was offering to finance with this company XXXX. Long story short, I returned products for end of XXXX ( XXXX and XXXX to be more exact ), I informed XXXX and XXXX of this. Few days after my loan for this devices already return was expiring and there is that XXXX started to send me text, phone calls, emails saying that I was responsible to paying loan no matter if I return device or not (??? ) I respond to every text, phone call and email regarding this situation and explaining how Wasnt in my hands to resolve this, since the products were with XXXX already and they were taking long time to analyze. Finally XXXX sent half of the payment, dont know why only half. But that made XXXX continue annoying me with a debt I Supposedly have, for XXXX XXXX finally sent all the amount. And XXXX finally report account as paid, but the problem is. They report this to Experian. As a Delinquency account, that after I complaint to Experian they finally recognize as paid but left unpaid historial on my report, that that only thing reduce my credit score from the 730s /740s to the 630s. I reported, but dont seems like XXXX or Experian care on cleaning this unfair situation.

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 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Perfection Collection (PA)

Complaint:
Perfection Collections appeared on my XXXX XXXX and XXXX credit reports in XXXX of 2018 in the amount of XXXX. I disputed this item with the collection agency in XX/XX/2018 and requested that the debt be verified. I received nothing verifying the debt from the collection agency after writing them multiple times and giving them a call. The day I called the collection agency requesting debt validation, the rep continued to call my mobile number that day requesting payment and they have continued to do so. They have not responded to my request to verify the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
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. (FL)

Complaint:
In reference to prior complaint # XXXX-XXXX  Citibank refund me {$100.00} for insurance company XXXX XXXX XXXX. 
Yet, the insurance company never refund me for the amoun of my wedding ring lost at the airport or at leas half of the value. 
Citibank never refund me the {$200.00} offer in their page to open a new credit card or use your card now and you will get the refund on the next stament.

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 2023-06-20
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. (KY)

Complaint:
XXXXXXXX XXXX XXXXXXXX XXXX XXXX I told them I have no contract with them XXXX XXXX XXXXXXXX XXXX I told them I have no contract with them XXXX XXXX XXXX XXXX I told them I have no contract with them XXXX XXXX XXXX XXXX I told them I have no contract with them XXXX XXXX XXXX XXXX I told them I don't have a contract with them

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 2023-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: SinglePoint GI (OR)

Complaint:
I am attempting to transfer to a University in Oregon but I can not due to defaulted loans. I'm not sure how much I owe. I don't feel comfortable giving out my contact information to General Revenue Corporation just to retrieve information. With the recent student loan forgiveness, isn't this illegal?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
XXXX, Transunion and XXXX attached please find complaints I have filed against two collection agencies who violated FCRA in their response to your investigations of the fraudulent accounts they, XXXX XXXX and XXXX XXXX XXXX, placed on my credit reports on/about XX/XX/XXXX and XX/XX/XXXX respectively, which I disputed but they replied that they had verified the accounts when they had not. As such, in violation of the FCRA, XXXX XXXX AND XXXX XXXX XXXX willingly and knowingly gave false and inaccurate information in their responses to those disputes, in their responses to the disputes I filed against you and them through the CFPB and in their response to the complaints I filed specifically against them through the CFPBs website after their claiming to you that they had verified the accounts when in fact they had not nor can they because the accounts are fraud.

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 2022-06-17
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (GA)

Complaint:
Have a XXXX XXXX Card through Comenity. Tried calling XXXX. Each time i go through the prompts to await for a live person to discuss my billing, I am put on hold. The music comes on to indicate you are hold then 2 minutes later you get another prompt and it pushes you into a silent que and it is unclear if you are still on hold. After 15 -20 minutes the call is disconnected. This has occurred 3 times over a 48 period. 

My purpose for the call was to get a {$29.00} late fee waived. It was my first time being late since account opened in XX/XX/2021. It was an oversight on my part due a death in my family. I have been consistent is paying {$30.00} - 40 more than the minimum requirement. 

I am more concerned that I have been trying to reach customer service for the past 2 days and can't get through because their is an issue with their phone system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-17
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: EQUIFAX, INC. (OK)

Complaint:
In accordance with the fair credit Reporting act XXXX Account # 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 account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
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. (MN)

Complaint:
In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX and XXXX XXXX XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (MD)

Complaint:
On XXXX I contacted XXXX to dispute XXXX fraudulent collection accounts under my name that are currently affecting my credit score negatively. Those accounts are not mine and I have not inquire services from those companies. I also contacted the collection agency AFNI , INC, to report the accounts and remove it from my files. They created a report and communicated that they will contact XXXX, mobility to report the account that currently owes {$2300.00} and urged me to contact XXXX as well, and so I did. I have also contacted XXXX XXXX to report the fraudulent account that currently owes {$5100.00}. 
In the past I have been a victim of identity theft and have had multiple fraudulent accounts opened under my name. I have tried getting a police report for this and they stated that because there was no physical damage or visible crime, they were unable to provide a report. Therefore, I am requesting assistance and would like to issue a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

Complaint:
After 5 years of on-time payments, my request for co-signer release stating " you are not making the required consecutive on-time principal and interest payments based upon our required standard for credit review criteria. " Navient needs to release my grandmother of XXXX years from this account. She is paying for XXXX care and needs to have this loan released. In the meantime, I am checking with banks to have it refinance. I do not believe that Navient is a reputable company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (WA)

Complaint:
I received a collection correspondence from Dynamic Recovery Solutions indicating I owed {$2200.00} to them on behalf of XXXX XXXX XXXX from XXXX its states XXXX XXXX XXXX XXXX XXXX XXXX the current creditor. The current account # is XXXX, I dont know where this information is coming from, am unfamiliar with the debt and its not on my credit report, I 'm a federal employee whos information has been breached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04
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. (NJ)

Complaint:
I am writing to delete the following information on my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I've asked for the past seven months that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commissions and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Complaint:
The following incorrect information and changes on my credit report by TransUnion : 1 ) I noticed TransUnion reported that I was using {$9000.00} out of my {$10000.00} XXXX credit card which was incorrect, my actual credit card usage was under {$500.00}. This discrepancies downgraded my credit score. I reached out to TransUnion to inform them of the mistake, the representative would not provide a clear answer, I felt like he kept going in circles and talking fast in technical terms without ever trying to fix or solve the issue. 

XXXX ) A couple of days later they completely removed my XXXX XXXX XXXX XXXX XXXX XXXX XXXX account from the report, which then decreased my score by XXXX points. I did not ask for them to remove the card and was never told why they removed it. 

3 ) Additional to the XXXX point decrease, TransUnion has chipped away at my credit score XXXX points within the past 2 months stating I missed a credit card payment on my XXXX XXXX XXXX even though I have been paying my credit bills for over 40 straight months.

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 2017-05-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: DISCOVER BANK (PA)

Complaint:
On  XXXX   XXXX  we contact ed Discovery Student Loans to n egotiate a longer repayment term in order to reduce the monthly payment amount - While polite they would not extend the term to 30 years which would probably allow me to make the loan payments without going into default.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

Complaint:
XXXX XXXX 2017 {$1.00} Wrong information 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 2019-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Complaint:
Disputed various peices of information on credit report. All information has been removed for other credit agencies except this one. I even sent in Police report documents to state that items needed to be removed due to fraud.

Company response to consumer: Closed with explanation