hpe-ai/customer-complaints-train.csv huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-04-28
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: Experian Information Solutions Inc.

Complaint:
A follow suit letter was sent out to XXXX on XX/XX/23 to remove item ( XXXX ) as it was removed from the other credit bureaus. 

Ive also sent out a letter to XXXX and Experian on XX/XX/23 for method of validation of accounts named : ( XXXX & XXXX XXXX ). 

Another letter was sent out to XXXX on XX/XX/23 to remove unauthorized inquiries on my credit report. The negative items are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), under federal law, the credit bureaus have 30 days to complete the investigation, with physical verification of the original signed consumer contract. Which the credit bureaus have failed to do so.

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 2019-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION

Complaint:
Navy Federal Credit Union is not providing validation to verify that three separate accounts belong to me. I will be uploading the considerable correspondence that has occurred regarding : ( 1 ) an auto loan ; ( 2 ) a credit card ; and, ( 3 ) an additional account that has not been clearly described in any written communication. I am requesting your assistance because when I wrote to secure the copies of the agreements for these alleged debts and a payment history to verify the amounts owed, I received a letter ( which I will be providing to you via upload ) saying that this information had been provided to the credit bureaus and that I should seek validation from the credit bureaus. I do not believe that this response is in accordance with the provisions regarding consumer rights under the Fair Debt Collection Practices Act. I believe Navy Federal Credit Union has this information and that their following comments are inappropriate and inaccurate : " We have investigated your claim and found the account information we furnished to the credit reporting agencies is accurate and that this debt is a valid debt owed to Navy Federal. If you wish to pursue this matter further, you may submit your dispute directly to the credit reporting agencies. '' I am hoping that you can intervene and help me secure the information I am seeking. I believe that Navy Federal Credit Union is the appropriate resource to provide validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.

Complaint:
Experian release my personal information after my XXXX XXXX was pulled by my local bank for a home equity line of credit on XX/XX/2022. Im now receiving calls from lenders on average of 50+ calls a day. Experian was never authorized to give anyone my home address, phone number or details of why my credit score was pulled.

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 2023-04-27
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.

Complaint:
On XXXX XXXX I received notification from XXXX XXXX that my credit score had decreased. I pulled down my credit report and noticed several hard inquiries on my credit report. I called and asked them to remove them as I am a victim of identity theft and they ( a ) Accuracy and fairness of credit reporting. 
The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. Stated they would reach out to the creditor. Transunion has violated 15 U.S. Code 1681, Attached is a copy of the FTC Statement, Credit Report from 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 2022-02-17
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.

Complaint:
I was a victim of identity theft. I sent XXXX, TransUnion, and XXXX my FTC report on XX/XX/2022. According to 15 USC 1681c-2, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by 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 2020-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.

Complaint:
I used my Citi debit card for a deposit of {$400.00} for a XXXX XXXX reservation. The cruise was canceled in XXXX when it was supposed to be leaving for XXXX XX/XX/XXXX. My name is not on reservation and the primary booked via travel agency, and neither primary nor agent provided any documentation to me since I made the deposit XX/XX/XXXX. I attempted to get confirmation several times from the primary and they have not honored my request since asking, claiming XXXX XXXX  has not provided them anything either. I asked the primary guest to refund the {$400.00} on XX/XX/XXXX due to COVID-19. She claimed XXXX XXXX would not provide a refund. I then attempted to contact XXXX XXXX, but they would not speak to me since they said my name was not on reservation. I waited to see if the primary would refund, but she was unresponsive and all she told me is that the cruise was cancelled In XXXX which is when I contacted Citibank to dispute. Citibank rejected the dispute due to lack of documentation ( which I explained as above ). I resubmitted the claim for them to re-open and they did start an investigation, provided me the provisional credit, but eventually rejected the claim once again. I again tried contacting travel agent on XX/XX/XXXX and all they provided is the reservation number as XXXX and promised additional documentation in order for me to provide for Citibank to re-open. The travel agent didnt provide any other documentation however, and I have attempted to dispute with Citibank once again. They responded requesting I fill out yet another form ( attached ) and return via post, which I mailed to them on XX/XX/XXXX, but they have not responded to it. I have attempted to address with Citibank via customer service, us postal service, and XXXX. I contacted customer service and asked for a supervisor who said I would need to refile a fourth claim since Im the one who made the purchase and there is nothing more they can do. When I request the customer service supervisor who else I can speak to and if he would at least connect me to their disputes department, he claimed they can not connect me because the dispute department will not answer and I would have to resubmit a claim. I have tried emailing XXXX several times with no acknowledgement, response, nor results.

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 2020-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
Hello my name is XXXX XXXX on XX/XX/2020 my claim number is XXXX I contacted Bank of America after realizing my card was not in Possession I contacted the bank told them to send me another card after seeing transactions on my account I was then told to contact the claims team after the transactions posted I then contacted the claims teams for those transactions, I find it unfair to me as a customer to know that I can not count on Bank of America stating that they can not find fraud after me calling Bank of America to let them know that my card was out of my possession I have another bank account that I'm normally transferring money into and using so sometimes I don't even use my Bank of America card I also have a XXXX XXXX account so I am confuse and how Bank of America can't find fraud on my account Bank of America can't determine that my card was lost and also to tell me that my spending habit is the same As the person who use my card that not right at all that is hurtful and disgusting as a company and after my claim is approved I will be closing out my account you guys are horrible at all protecting my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
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: CORELOGIC INC

Complaint:
I went in to the dealership to discuss purchasing a new XXXX XXXX. When doing so I told them that I wanted to talk about potential numbers and that I did not want my credit checked in the process unless we were close to a deal. We did not get close to a deal and yet the ran my credit through a company called XXXX  anyway. This inquiry was unauthorized. 

I called the dealership and they tried telling me that they can not do anything about the inquiry and that although the salesmen remembers me saying I do not want my credit pulled - it must have happened by the sales manager anyway. I asked if they could fix this and they said I would have to write a letter to the 3 credit bureaus. This is unacceptable.

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 2021-07-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I got this account that does not belong to me and i want to be remove from my credit asap. 

1. Identity Theft BK OF AMER Account Number : XXXX This is 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 2017-12-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION

Complaint:
To whom I may concern, On XXXX, I XXXX XXXX XXXX received a copy of a refund check for {$780.00} from XXXX XXXX XXXX made out to the Estate of XXXX XXXX XXXX. On the back of the refund check, XXXX XXXX endorsed the check to deposit in her personal savings account at M & T Bank. I contacted a representative of M & T Bank at XXXX, and she did not know the policy and procedures if an Estate check can be deposited.in a personal savings account. XXXX XXXX XXXX at Register of XXXX ( XXXX ) in Delaware gave explicit instructions that an estate account for the Estate of XXXX XXXX XXXX must be established at a bank with all three co-administrators must be present at the same time. All three co-administrator names must be on the estate account, so any transactions for the Estate of XXXX XXXX XXXX would require three signatures. XXXX XXXX XXXX XXXX XXXX have refused since XXXX to meet with me at any bank to establish an estate account. On XXXX, XXXX XXXX and XXXX XXXX went to XXXX XXXX in XXXX, DE and liquated XXXX XXXX XXXX XXXX 's personal checking and savings accounts, but did not establish an estate account. 

I am requesting M & T Bank to freeze the {$780.00} refund made out to the estate of XXXX XXXX XXXX that was deposited in XXXX XXXX 's personal savings account. M & T Bank can schedule a appointment date and time when all three co-administrators can meet at M & T Bank to establish an estate account. As an alternative, remedy, M & T can issue a check for {$780.00} for the Estate of XXXX XXXX XXXX to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX DE XXXX, M & T Bank should follow all State and Federal regulations and compliance for a estate account, since there is a great distinction between a estate account and a personal checking and savings accounts, especially when there are three co-administrators. 

If possible, I would like a copy of the policies and procedures pertaining to an estate account at M & T Bank. If there are any additional questions, please do not hesitate to call me at XXXX. Secondly, XXXX XXXX 's personal savings account number is 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 2019-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
In XX/XX/XXXX, I noticed a charge for {$19.00} on my bank statement that I did not make, from " TU *TRANSUNION XXXX CAUS '' dated XX/XX/XXXX. 

I investigated and found that this {$19.00} charge had appeared every month since XX/XX/XXXX. There was also a charge for {$1.00} on XX/XX/XXXX. 

I called the XXXX number to report this and was told that I had signed up for their credit monitoring service. I explained that I had not signed up for it, did not want it, and had never once used it. I requested a full refund. They said they could only refund 12 months of charges. I asked to speak to a supervisor and was told that I would receive a call back the next day. 

A different representative called back and offered a refund for only 4 months of service. I told her that the previous representative had offered 12 months, and that I would like a full refund for a service that I had never used or ever wanted to subscribe to. She offered to cancel the subscription to avoid future charges, to which I agreed. I asked to speak to another supervisor about the full refund and was told I would receive a call back. 

A few days later, I received a call from a third representative and explained the situation again, and was told again that they would only refund 12 months of charges. I told her that if I did not receive a full refund, that I would file a formal complaint with the CFPB. Until now, I have not received any compensation from TransUnion.

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 2020-06-23
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.

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. Information is inaccurate on 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 2023-06-15
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: Resurgent Capital Services L.P.

Complaint:
I am writing to address the collection activity by Resurgent Receivables, LLC on my credit report. I have noticed a collection account that I am unaware of and have no knowledge or obligation to Resurgent Receivables, LLC. Ensuring the accuracy of my credit report is important to me, as it reflects my true financial standing. I believe there may be an error or misunderstanding, and I am committed to resolving this issue. I kindly request a thorough investigation into the validity and accuracy of the collection account. I ask Resurgent Receivables, LLC to provide clear and verifiable documentation supporting the existence of the debt and my obligation to pay. During this investigation, If Resurgent Receivables, LLC can not provide sufficient evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-23
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.

Complaint:
I went a dealer to get a car and they told me they were only running my credit for one lender which was XXXX. They lied and now I have unauthorized inquiries on my report. Tried to file a dispute through XXXX, Equifax, and XXXX and was unsuccessful. The system would not take the dispute and even when I called them they stated that the inquiries would be removed between 24 -72 hours. Nothing happened. Also In accordance with the Fair Credit Reporting act. The List of companies below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX EQUIFAX : 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 Financial Consumer Rights being violated : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation