hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2016-08-12
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC. (TX)

Complaint:
I have paid this loan off with another creditor. Unfortunately during the time I was paying the loan off another company picked it up. I fax ed them the information before and they keep saying it is incorrect. The loan was through XXXX 's XXXX and I have already paid it off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

Complaint:
Information on my Experian credit report is not true or correct. Things need to be removed that are past seven and 10 years long. I dont understand why theyre not removed. Thank you for your help XXXX bless 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 2020-01-14
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. (CA)

Complaint:
Due to challenging financial circumstances, I filed for XXXX XXXX Bankruptcy. As my circumstances worsened, I ultimately had it converted to XXXX XXXX and was discharged XX/XX/2019. On my list of debtors, my private student loan under for roughly {$7000.00} under XXXX was included. While I was not expecting this loan to be erased, a quick reference in XXXX XXXX showed the loan as either payed off or closed, which I have screen shots of. I used this information to move forward with building the rest of my credit, not paying toward my XXXX private student loan, and not realizing my loan was still active. I fell behind on my private student loan payments which has lead to " late payments '' showing on my credit report, negatively impacting my credit score. This has negatively affected my ability to apply for a VA Home loan due to the late payment remarks on my credit report. With good intentions, I contacted the private loan company and have setup payments to bring my account back up to current and am continuing to make on time payments. Though I take responsibility in missing such an important detail, I would like to reach out for assistance in having these late payment remarks removed from my credit report if possible. This was a misunderstanding on my end, as well as my private student loan company who never received a copy of my bankruptcy, neither XXXX XXXX nor XXXX XXXX. At the moment, I am simply continuing to make on-time payments.

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 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Complaint:
Hello! To whom it may concern ; on XX/XX/2020 I sent out dispute letters to Experian regarding a collection account that was not accurate or verified on my credit report listed as XXXX XXXX  ( XXXX  ) stating that I owe a {$0.00} balance and a loan amount {$1300.00}. This account is completely untrue and inaccurate and Experian did not even respond to me about the dispute. Not only did they not respond to me within 30 days, but they did not address this with me at all to let me know they verified it nor give me the documentation to prove to me that this is valid. Please have them to remove this item off of my credit report immediately. Thanks

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 2021-03-30
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. (DC)

Complaint:
On XXXX/2020, I received an email from XXXX XXXX XXXX, XXXX XXXX that stated that they had a data breach, my account was deactivated, please destroy the card, and a new one would be issued. ( see copy of email attached ) In spite of this notice, I made a payment that was posted on XXXX/2020 and another on XXXX/2020. ( see statements attached XXXX However, XXXX XXXX XXXX NEVER sent me a new card in spite of them receiving payment 13 days after the date of this email. In XX/XX/ 2020,  my credit report alerted me that I had a XXXX status on my credit report for this account. ( Note : I had never been late prior to then or thereafter. I still have this account. ) When I contacted the creditor, they stated that my card wasn't issued automatically because I had a late payment. It was confusing since the notice of breach via email and a payment was within 13 days of each other. Finally, on XXXX/2020, I received the new card that the email stated that I would receive automatically. 
I have disputed this information several times through the credit bureau. I have even filed a XXXX XXXX. XXXX see their response attached, which had some discreptancies ) The creditor refused to assume any responsibility for THEIR data breach, lack of communication on current account numbers and reissuance of cards and THEIR ADMINISTRATIVE ERRORS and how this has affected my credit. I am now trying to purchase a home and this ONE LATE PAYMENT is hurting me badly. It has been over a year and I need it off ASAP. 
All documents proving these statements are attached. 
I am making this final attempt before pursuing legal matters stating how their errors is damaging my future.

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 2023-01-30
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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

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 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Complaint:
Equifax has me locked out their credit reporting site because a XXXX didn't like my English and was just the rudest ca person I ever met. 

05 hard inquiries are put in as fraud or the customer service person did it on purpose. I wish I was lying but these XXXX are just rude and taught XXXX law not American law. 

They are taught to hang up on you and to say no matter what the FTC American laws. 

5 inquireys ruined my report. They are all fraud and had credit freeze on them. 

XXXX CREDIT CARD FROM 08 YEARS ago want come off credit report. I think the Indians from XXXX hate Americans and did this to XXXX me. Nothing I can do but sue, take to small claims court, or call Pattorney general of my state. 

Use a credit card should have been off my report a year ago. They are doing this to help businesses and not consumers. 
It was XXXX dollars and it was never showed by the end FTC laws that this was legal. Fcra laws tells exactly how the investigation section 604, 609, 611 and 623. These federal and state laws were not given the right investigation that people could go to jail. 


XXXX also says I was late 4 years ago and they have lied to the FTC and FAIR CREDIT REPORTING ACT. THEY NEED TO BE SUED AND GO TO JAIL. 



XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

Complaint:
Old information on my Equifax credit report that was removed is reappearing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
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: Experian Information Solutions Inc. (PA)

Complaint:
In accordance with the Fair Credit Reporting act XXXX account # XXXX Has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my 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 2019-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (VA)

Complaint:
I paid my XXXX XXXX credit card bill in full for XXXX on XX/XX/XXXX. On XX/XX/XXXX I attempted to charge XXXX on my card and was denied several times even though my credit line is XXXX and my balance is only 2000. They deducted the payment from my bank on XX/XX/XXXX and told me they were holding my payment for 7 days and would not release my credit line until 7 business days after my payment posted even though the payment cleared my bank.

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 2022-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Complaint:
On XX/XX/XXXX I made an online payment of {$1600.00} on my credit card. At that time the previous Balance was {$1300.00} and the open balance was {$1600.00}. So I made a full payment and the card balance should reflect a {$0.00} balance. The following month I received a statement with the balance of {$18.00}. It seems I got billed interest on the card with no balance at all. I was thinking it is an error on the bank 's part and did not pay the bill. On XX/XX/2022, I received a notification that my card balance is XXXX. I contacted support via chat and they explained the charges. Interest rate $ XXXX late fee $ XXXX {$37.00}. They also confirmed that they waived the charges and it should reflect on the next billing statement. 
The same day, on XX/XX/2022, right after chatting with the support, the credit card company lowers my credit limit from {$1400.00} to {$300.00}. 
On XX/XX/2022, around XXXX I contacted the bank to get a clarification on why my credit limit was changed. XXXX who was on the phone told me that the only fee that was waived is the late fee and she will remove the interest fee. I asked for confirmation but she didn't provide it and told me that I should receive an email confirmation that all fees are waived and the balance on the card is zero. Also, I asked to discuss the credit line issue and she transferred to the credit department. XXXX ( ID # XXXX ) explained that the credit was reduced because my credit score was changed. Since he could not help I asked to speak to a supervisor. XXXX ( Id # XXXX ) was telling me that all the charges are correct and one of the factors is that credit was lowered because of the past due amount. After mentioning to XXXX that " I won't be surprised if you close my credit card after this conversation, she responded that due to your request we will close the card ''. 
This is how credit cards are helping hard working people trying to pay off their debts in these hard economic times. 

The bottom line is 1 ) I paid off my entire credit card debt. 2 ) After paying on time, I got billed additional interest, a late fee, and the credit line decreased. 

The actions of the employees are very unprofessional, rude, and ridiculous.

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 2019-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
I have sent XXXX  and Trans-union everything that they ask me to send them to show that I was a victim of identity theft

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 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
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:
The account XXXX credit card and the student loan account XXXX  is fraud. They do not belong to me. This complaint is a follow up to my complaint submitted a few weeks ago. In this complaint I have attached a police report. The detective has released the report and they have possible lead on the suspect.

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 2022-09-05
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: Kriya Capital, LLC (PA)

Complaint:
I have a Collection for an account on my Credit Report that I did not initiate or own. This is totally false and appears to be a fraud or a scam. I do not have any debt from XXXX XXXX XXXX nor have I ever been made aware of such debt until it appeared on my Credit Report. Credence Resource Management Co. is claiming a debt in my name is owed. 

I can not believe a person with great credit history can be scammed like this. 

100 % untrue and appears this is fraud or identity theft. 

My XXXX Credit Report is the only XXXX of the XXXX Credit Reports ( XXXX, XXXX ) that does not have this incorrect information of a Collection. 


XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-04
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: JPMORGAN CHASE & CO. (AZ)

Complaint:
I have had several problems with my Chase Credit Card XXXX and asked that the account be closed after Chase charged me an annual feel of {$99.00} on XX/XX/XXXX. I sent an e-mail telling them to close the account and to issue the credit. They closed the account but they tell me the credit will not be issued for 2 billing cycles ( 2 months ). I have sent several e-mails telling them to issue the credit but so far, nothing is happening. I can not formally dispute the charge on my account as the account was closed on XX/XX/XXXX. I want the {$99.00} removed and do not want to incur any interest as I'm not going to pay the {$99.00} reflected as a balance on this closed account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (NY)

Complaint:
I had just called Credit Collection Services in XXXX to clear up an old dispute from 2018 which they placed with XXXX  in 2018. 
I paid CCS the total amount due and they agreed they would delete it from my credit report. After paying them and having it deleted from XXXX  about three weeks later they contacted XXXX  and reported that I owe them. This was clearly a case of " debt parking ''.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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. (MN)

Complaint:
Attached to this complaint is identity documents for verification of my identity. Banks, credit unions, creditors, and lenders are having an issue of obtaining my credit report and XXXX XXXX from XXXX XXXX XXXX XXXX, Experian XXXX XXXX XXXX, Experian, and XXXX. Lenders need to be able to pull, access, and obtain my credit report from XXXX XXXX XXXX XXXX, Experian, and XXXX. I want XXXX XXXX XXXX XXXX, Experian, and XXXX to delete and remove all fraud alerts and extended fraud alerts from my credit report and release my credit report and XXXX XXXX to any bank, credit union, lender, or creditor who request my credit report. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/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 2020-04-04
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

Complaint:
XXXX of XXXX XXXX General Manger XXXX XXXX  & XXXX XXXX service manger called me XXXX  ON SEVERAL OCCASIONS AFTER I TRADED in my XXXX XXXX. I called XXXX XXXX my service advisor in reference to the XXXX XXXX XXXX XXXX  key being stolen by my landlord. I paid {$370.00}. I have no receipt. XXXX XXXX was in the showroom my sales consultant when I was called a XXXX. I took XXXX XXXX police & XXXX told me I was not allowed in there. I had XXXX tow my XXXX XXXX back after My transmission brakes everything went on XX/XX/XXXX. My account number with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX VIN XXXX. On XX/XX/XXXX XXXX XXXX   stayed they were selling my car. I gave both keys to the XXXX XXXX police dept on camera in XXXX. How can I still be liable 4 a lemon I returned where I purchased it from. Im not being charged off on my credit by XXXX XXXX XXXX. I contacted The XXXX XXXX  AND MADE 7 complaints. I received nothing in writing. XXXX XXXX XXXX XXXX ACCT XXXX stated involuntary repossessed date of last pymy XX/XX/XXXX. I DIDNT HAVE THE CAR XX/XX/XXXX til XX/XX/XXXX. XXXX XXXX refuses to give me my car. I had XXXX tow it back to them through XXXX XXXX  ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Global Lending Services LLC (MA)

Complaint:
I made my payment sometimes twice a month or abd every month the balance never go down please I need helps

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
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: TRANSWORLD SYSTEMS INC (MO)

Complaint:
Please be advised I have requested validation, not verification, of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 

2. What services I am being charged for. 

3. What the cost of each service I am being charged for. 

Furthermore, Transworld Systems, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX  did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

Company response to consumer: Closed with explanation