hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2019-09-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (TX)

Complaint:
On XX/XX/XXXX @ XXXX I received a call from ( XXXX ) XXXX. They stated that they have tried to deliver papers to me because I'm being sue by a XXXX XXXX XXXX XXXX that works with Wells Fargo. They said if I wanted more information on the care I would have to call them at XXXX and gave me a case number ( # XXXX ). I called the number the lady asked for the last four of my social, I told her I would not give her that information because I didn't know who she was. she then gave me the last four of my social and had the numbers correct. Then she told me I had an account with Wells Fargo back in XX/XX/XXXX-XX/XX/XXXX and my account overdraft the amount was {$1100.00}. I told her I have never had an account like that with Wells Fargo I actually have a home mortgage and credit card with them they that I open in XX/XX/XXXX ... this is scary to me to find out that an account may have been open under my name back in XX/XX/XXXX-XX/XX/XXXX and now I'm finding out 10 years later.

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 2018-03-21
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. (IL)

Complaint:
I have disputed and credit bureaus will not delete.

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 2021-02-16
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

Complaint:
XXXX XXXX sold XXXX debt from XXXX  XXXX to National Credit Adjusters , LLC after attorney in XXXX was disputing the amount owed and requested documents with itemized payments. We never received the documents requested. 
NCA is now re-aging this debt on my credit reports as XXXX debt while it was in dispute and received no response from XXXX XXXX. 

Complaint to XXXX XXXX is stating different dates and different amounts owed from NCA. That is enough to investigate inaccuracies. 

XXXX XXXX stating XXXX XXXX went into collections ; NCA is reporting XX/XX/XXXX to credit bureaus without me acknowledging the debt. 

Also XXXX  is stating I owe {$1800.00} ; NCA is reporting amount owed is {$2100.00} to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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: Global Lending Services LLC (AL)

Complaint:
Reporting wrong information on my credit report 15 USC 1605 Equal Credit Opportunity Act 15 USC 1635 Truth in Lending Regulation Z Act 15 USC 1662 ( 2 ) -No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.

( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Complaint:
on tuesday, XXXX rec 'd credit card and credit report from Bank of America. Did not apply for card or authorize report

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 2022-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

Complaint:
In accordance with The Fair Crediting Reporting act XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, and XXXX account # 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 2021-11-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Complaint:
I purchased the car in XX/XX/2020 first payment due in XXXX of 2020 However i never received any paperwork with an account number any way to make payment no statement book no monthly statement. I called several times and they could not find my account due to a clerical error in the social security number. I was finally able to get through to resolve the problem in XXXX after calling both the local offices in which they could not do anything as they could not do anything with car loans and the customer service number could not the account. The agent i spoke with in XXXX advise he would waive the XXXX late fees plural fees from my account due to not getting statements and not able to resolve this issue prior. The second late fee which was from XXXX was not waive. Now the company is saying they will not waive it even though their agent advise they would. I have spent many hours trying to resolve this and kinda feel now im owed more than the XXXX late fee to be waives as I make XXXX an hour and have spent hours in trying to get this back on track i pay every month and i pay more than what the amount is due. This fee resurfaces on my XXXX bill increasing my amount due. As i full understand it is just XXXX but for me it is principle of the matter that the agent advise they would waive the fees. I work for a bank and we would waive the fee due to our agent providing misleading information to the cardholder or customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (IL)

Complaint:
On XX/XX/2020 I got summoned by XXXX XXXX circuit court to pay a debt for midland credit management inc. I didnt not have the funds for this debt and have been only only receiving unemployment benefits per my Job closing temporarily due to covid. I felt pressured to pay given I was also pregnant at the time and didnt want to lose my only income to be able to provide for my son and soon to come daughter. The total amount they were suing me for was {$5200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC. (LA)

Complaint:
Midland Funding farmed this disputed debt to law firm without forwarding required information. I do not know what this debt is for or how come they are garnishing my wages. 
There is a document submitted to the court that says I owe this debt but I do not think this document is reliable. This is a new job I just started and they say that I was served and I have no way of disputing this after all these years but I was not served with these papers This is a lot and I will be forced into bankruptcy for a dishonest creditor and a old debt from some law firm I never heard of

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Complaint:
I am not liable for the debt with XXXX. I do not have a contract with XXXX XXXX XXXX. I requested copy of contract never received it. This account have been removed from my consumer report 2 times and keep coming back after you all advised them to delete account off my consumer report.

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 2022-05-03
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: EQUIFAX, INC. (CA)

Complaint:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$10000.00} Date opened XX/XX/2018 XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$4200.00} Date opened XX/XX/2018 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} Date opened XX/XX/2018 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$4200.00} Date opened XX/XX/2018 ; XXXXXXXX XXXX XXXX XXXX Balance {$4200.00} Date opened XX/XX/2018 ; XXXXXXXX XXXX XXXX  XXXX Balance {$10000.00} Date opened XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Complaint:
In accordance with the Fair Credit Reporting Act the following accounts 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 XXXXXXXX XXXX XXXX XXXXXXXX, 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.

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 2022-05-05
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: PNC Bank N.A. (IL)

Complaint:
I submitted a complaint to PNC Bank , National Association through my states attorney generals office around XXXX of XXXX. PNC Bank , National Association responded to my complaint 3 months later. With that being said PNC Bank violated section 1022.43 ( e ) ( 3 ). I have record that PNC Bank received my identity theft packet around XX/XX/2021. PNC Bank did not notify XXXX and have the information deleted from my credit report that is the result of identity theft. I am demanding PNC Bank notify XXXX immediately to have the information deleted due to the violation of the regulation referenced above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Product: Credit 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: TRUIST FINANCIAL CORPORATION (FL)

Complaint:
I had a charge for XXXX and change placed on my card in XXXX, I immediately called the bank when I got my statement to report fraud. They took the complaint but still the charge remains on my account and they charge me monthly interest. I have never heard from them despite numerous calls to them being placed on hold for up to XXXX minutes. When I ask where we are after 90 days i am told its under investigation. When I ask what steps and measures have been taken I am told that is confidential? 

I am thoroughly disappointed and disturbed to be treated this way but more so concerned that Truist bank can get away with this.

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 2019-03-19
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: ID Analytics, Inc. (FL)

Complaint:
In attempting to purchase a new car I was advised derived from my XXXX   report that there was a credit freeze applied. This was NOT through any effort of mine but was applied by a third party unbeknown and never heard of previous by me. I NEVER used their services. An attempt to call to resolve was met with this- 1. Submit a written request by secured fax at ( XXXX ) XXXX or by mail to : XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX ; or 2. Call us at ( XXXX ) XXXX. I find this a great abuse of power and fraud. Their action providing a lie and incorrect information not only cost me the sale but contributed to adverse financial impact upon me and mine. I have had consistent and major problems with credit reporting agencies NOT reporting correctly or repairing the damage in an efficient time or manner. All three allegedly have reporting data accessed and prepared outside of these United States and they fail to respond to my request to cease even though multiple written reports have been made to them and through your hollow shell of a protection resource. WHY? The fact is just a day before y credit score was reported to me 100 points higher. In my opinion this entire system is a mere con and shell game to exploit and defraud people to gain higher interest rates and money! As you say and to paraphrase in my own understanding and words- go away and get a lawyer! You say it not me! As a post script I had a freeze through the major bureaus removed almost two years ago and it is evident by the evidence presented there is in my opinion a major flaw in this entire system

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 2022-05-19
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. (TX)

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 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 2022-04-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (IL)

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it reflect in my credit report that can harm my credit credentials. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX/ {$930.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX / {$610.00} / XX/XX/XXXX XXXX XXXX XXXX {$760.00} / XX/XX/XXXX XXXX XXXX XXXX/ {$1200.00} / XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-01
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. (FL)

Complaint:
almost all of these inquiries are unauthorized. some are duplicates, some have been ran at random. dating all the way back from XX/XX/XXXX-XX/XX/XXXX i have attempted to send letters to the companies as well as call the different credit agencies ; XXXX, XXXX, and Transunion. I haven't gotten any results from either agency. these companies took me for granted and ran my social thru multiple banks. this has truly damaged my credit and it's not fair, because i have worked very hard to get my credit score at an exceptional level only to have it damaged. my attachments show all the dates and companies, along with the reporting agency.

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 2019-11-01
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MA)

Complaint:
XXXX XXXX XXXX XXXX XXXX NH sale XXXX XXXX  Agent XXXX XXXX Traded in a XXXX for another XXXX at end of lease. Mileage over contract by aprox. 3000 miles. 
Agent exaimined our trade for acceptance did not mention any problems.. we talked about payments Mr. XXXX sealed the deal with us by including XXXX would eat the mileage and be in our comfort bracket. My mother and I agreed to the monthly payments of {$390.00} and gave the first initial payment. 
Received a call from Nissan Lease that aprox. {$4100.00} was due in cash. 
This would cover the over mileage and wear and tear. First the car was examined by the dealer no note of a problem and the mileage was to be washed. From what I can estimated Mr. XXXX left the company immediately after our transaction. 
Went into XXXX talked to manager XXXX. No help available on " He said, she said '' I askd why a " WE OWE paper was not shown to me but I found it with the envelope given. This paper had a forged signature.. XXXX took the paper and returned with a WE OWE paper that had my signature. He kept the signed one and returned my copy. This was strange.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (GA)

Complaint:
Medical Revenue Services is constantly calling me to say I owe a debt but will not provide me with any information regarding the debt. 

They claim to have sent me some information in the mail, but I never received said information. Every time I've asked for information since they've said they are not required to provide me with any additional information and refused to send another letter out. 

I have made repeated attempts to get any information. Any time I mention the FDCPA they immediately shut me down and will not provide me with any information claiming they will lose their job. 

I ask for the basic information. 

Their name Company name Address Call-back phone number Website URL State license number, if available as not all states license collectors I called the Toll Free Number back they called me on to get information. 

I spoke with XXXX different people, only XXXX of them would give me an address, XXXX gave me a first name only, and XXXX gave me a business name. No one would provide the information together. 

They want my information before MAYBE providing me with information. 

It is my understanding that I am protected by the FDCPA and this organization " Medical Revenue Services '' is acting in bad faith by being aggressive, harassing me with multiple calls a day, and refusing to give me any information. 

I made multiple calls today XX/XX/2022 at XXXX, XXXX, XXXX, XXXX, and XXXX. 

Let me state the first call I made at XXXX I said give me a moment to verify my rights via FDCPA they immediately hung up.

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 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc. (FL)

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
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: Phoenix Financial Services LLC (TX)

Complaint:
On XX/XX/2020 Phoenix Financial Services LLC added a derogatory remark on my credit report per XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Phoenix Financial Services LLC has violated my rights as a consumer and I'm requesting legal actin to remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation