hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-04-26
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. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 U.S.C 1681 section 602 A states that 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.

15. U.S.C 1681 c ( a ) ( 5 ) section states : no, consumer reporting agency may make any consumer reports containing any of the following items of information any other adverse item of information, other than records of of convictions of crimes, which antedates the report by more than seven years.

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

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 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Complaint:
I paid a bill from XXXX  that was in charge off as Im trying to get square with any money I owed. Some how XXXX XXXX reported it as a 30 day late and it tanked my score. It is not accurate and I would appreciate your help in this matter. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX Company Inquiries 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 2023-06-21
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: Resurgent Capital Services L.P. (TX)

Complaint:
I had a credit card with credit XXXX bank back in XXXX I close the account. I only had a {$300.00} credit limit upon closing the account. I had a balance of {$200.00} I have since then made a chance to pay the balance but they keep telling me that I dont owe them any money yet. This is on my credit report for {$700.00} reported by LVNV FUNDING LLC. I DONT KNOW WHO THESE PEOPLE ARE AND THE DATE ON THE CREDIT REPORT IS XXXX AS I SAID I HAVENT HAD THAT CARD OR THAT ACCOUNT SINCE XXXX AND I DONT KNOW HOW A {$200.00} BALANCE TURNED INTO {$700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Health Care Financial Services, Inc. (TX)

Complaint:
XXXX debt collections keeps sending my letters and reporting false information stating i owe a medical debt i have sent several letters asking for validation but yet i have not received correct documents

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 2021-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Complaint:
My husband and I are currently on unemployment ; it is our only source of income. I withdrew {$1400.00} from both of our unemployment debit cards around XXXX on XX/XX/2021, at our local Bank of America branch, located at XXXX XXXX XXXX XXXX in XXXX, AZ. When I attempted to deposit that amount into our joint checking account, the ATM took our money, didn't deposit it, and gave us a slip with a number to call. 

I called Bank of America, after going to the branch and being directed to call that same day. Upon calling, they said they would credit our account within 48 hours. Again, this is our only source of income for our family of 4, with two small children under 4. I said this was unacceptable, we need this money to survive, your ATM took our money, put the money in our account immediately. They said they " escalated '' the matter, and that a manager would call back within 10 minutes. It's currently XXXX on the XXXX of XXXX, 2021, and no call has occurred nor money credited to our account. 

I've come back to this on XXXX of XXXX, around XXXX local time in XXXX and our account has yet to be credited. I called again, and Bank of America is now saying that we need to wait TEN MORE DAYS for them to conduct an " investigation '' to prove that they stole our money. They also " denied '' our attempt to escalate our claim. Again, this is the money we need to feed and clothe our children. We CAN NOT wait 10 days to have our money back. We're desperate.

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 2022-12-23
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: CL Holdings LLC (TX)

Complaint:
XXXX XXXX shows on my credit as a new account opened up in XX/XX/2022 Never had XXXX XXXX I have XXXX two different accounts I have XXXX XXXX and have been reporting fraud no one seems to respond to me Please remove this false information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (SC)

Complaint:
On XXXX XXXX, I attempted to purchase a XXXX e-gift card through XXXX. My purchase was declined due to card information error, I was prompted to correct the information and retry the purchase. I did as prompted, and was declined again, for the same error. I was using a virtual card, issued by Current bank ; reason being my physical card was cancelled without my knowledge or consent, a week prior to this incident. Apologetically, I seem to have numerous issues with Current bank, or the current account through XXXX XXXX XXXX. I checked my account on XX/XX/XXXX, to find four pending transactions to XXXX, each in the amount of XXXX, with a negative balance. Upon speaking with a XXXX representative, I was assured that this was a temporary hold, or " ghost charge '' and would resolve in 3 to 5 business days, as there was no purchase made. I immediately contacted current through chat, in the app. I was repeatedly told that they have no way to clear pending transactions, it was up to XXXX to drop the hold. At this point, I began my research and found this avenue. I contacted the bank three more times, each time asking to have my issue escalated to management, and was told every time that it would be useless to speak with management, and given an opinion on how management would handle my issue. I subsequently e-mailed customer support twice before getting a response that a compliance team was reviewing the issue. It's been longer than five days, all other pending transactions have cleared, however these four are still pending. With no further response on the e-mail, and the same in app chat run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (MA)

Complaint:
TD Bank froze my checking while I'm out of the country. I tried to use XXXX and ACH transfer to move my salary over to a checking account at another bank. So there was nothing out of the ordinary prior to freezing my funds. Customer service informed me that that I can only resolve this at a branch. First bank I really don't trust with my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Complaint:
XXXX and XXXX was fraudulently charged by merchant " B-Fresh '' Charges that I did not make and refuse to pay for fraud activity on my behalf Addressed with creditor Capital One XX/XX/XXXX and temporary credit was provided and new credit card was sent because of fraud XX/XX/XXXX credited charges were reverted and posted back to my account. The same charges that I did not make. The same fraud charges that Capital One refuses to address and credit back to the consumer. 

I will be cancelling my credit card with them ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
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: Credit Karma, LLC (MO)

Complaint:
My credit report was accessed through Credit Karma by someone other than myself XX/XX/22 and XX/XX/22 and was traced by to an email address than was not mine. 
Since then lenders have done account inquiries ( soft ). I am concerned that the person is trying to obtain financing using my financial information. I contacted Credit Karma via email but have not heard a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
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. (MS)

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$5700.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$5700.00} XXXX XXXX Balance : {$5000.00}

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 2023-06-14
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: Navient Solutions, LLC. (WA)

Complaint:
In accordance with the fair credit reporting act XXXX acct XXXX, has violated my rights. 

15USC 1681 Section 602 states ; I have the right to privacy 15USC 1681 Section 604A Section 2 states : A consumer reporting agent can not furnish an account without my written instuctions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Bread Financial Holdings, Inc. (NY)

Complaint:
I received a pre-approved credit card notification from XXXX XXXX for my XXXX year old. I am concerned that someone has stolen his identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (AZ)

Complaint:
I made a purchase for XXXX tickets back in XXXX of 2022. I used my NFL Extra Points card because they advertised 0.0 % interest on XXXX tickets for 6 months on a mailer they sent out with activation of my card. I called in and spoke with an agent to activate my card, and verified with the agent that if I used the card to buy XXXX tickets there would be no interest, and was advised that was correct. 

XXXX months later I was logging in to pay off the remaining balance to avoid interest and found Ive been charged interest since day 1. There has been over {$130.00} in interest actual over the 6 months. I feel this is very deceptive, and an unfair business practice of Comenity bank. 

I called in to close my account last week, and when speaking with a representative they suggested speaking with a supervisor. They went to transfer me, I was on hold for over XXXX and then was disconnected. I called in again today, spoke with 2 supervisors that said there was nothing they could do about the interest that was charged. So I requested to close my account due to their deceptive practices with charging interest when I was told there would not be any.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-30
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

Complaint:
I've been a victim of capital one data breach, I've had over 29 mortgages attempted to be get a loan in my name dozens of inquiries about me searching and applying for credit, two fraught XXXX bank accounts opened At XXXX XXXX bank I got five XXXX debits cards in one week and someone applied for a credit amcard got approved in my name, so because of this data breach, I think people have my information I've contacted tge credit unions and XXXX XXXX XXXXXXXX but how do I make it all stop I wanted to get a buisness loan to start a buisness but can't even get approved because there's so many accounts being searching for loans I get calls from a certain phone number, it's tge same prefix as mine, when I answer it they don't say nothing, so I hang up and block the call, about three minutes later, it's tge same prefix and it's just a different 4 number ending In, and they called 60 times in a house after me blocking each individual call, they will leave me messages humming in to my voicmail, I have student loans that I've never went to collage, and I can't seem to get any help nowhere and can't afford to hire someone to help, so all these data breaches I'm in apparently XXXX capital one and XXXX was the start of all this back in XX/XX/2019, and ever since then my identity and everything else went to XXXX, how are you supposed to survive in this world when 99 out of 100 people are out to get you, I don't know if you cam help but let me know whst you think I shoukd do, thanks and I'm tryingbto start a business and can't even get that so I need to know which dirrevmctiom to go, thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Complaint:
Experian has blatantly disregarded my dispute letter in regards to this alleged debt. I have sent multiple method of validation letters requesting how they verified this debt and irrefutable inaccuracies letters and to no avail the dispute was closed multiple time with no method of validation toward the validity of the debt. 

The original balance being reported for XXXX XXXX is {$1500.00}, yet it's currently being reported as balance owed as {$1500.00}. Also, a collection account can't have a past due amount due. 

I've sent numerous letter to Experian advising of said information and to no avail have they haven't acknowledged said inaccuracies or deleted said accounts to abide by the FCRA compliance. They just cant verify the accounts by telling me that it has been verified per FCRA 15 U.S.C 1681 ( a ) ( 4 ) when there are clear inaccuracies with supporting document providing such proof. 

Also, how can two debt collection companies XXXX XXXX XXXX and XXXX XXXX attempting to collect on the same alleged debt of {$3700.00}. 

Please see the attached recent method of validation letter sent, certified receipt 's of letter sent to Experian. More so, a screenshot from Experian.com of this account showing the inaccuracies. Also, the mail sent by XXXX and XXXX XXXX XXXX 

This is clear violation of my civil rights and FCRA. Permanently delete said accounts asap for inaccurate furnished data to comply with FCRA guidelines

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 2019-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

Complaint:
On XX/XX/XXXX I was a patient in the XXXX  at XXXX XXXX XXXX. 
I later received four different bills, one each from XXXX, XXXX x2, and attending physician XXXX XXXX, all of which were billed to my insurance company, XXXX, and the copay portion to me and paid by me promptly. 

On XX/XX/XXXX I received an invoice for {$200.00} from XXXX XXXX, XXXX on behalf of XXXX XXXX. The invoice indicated that this amount was my responsibility, and I promptly paid the total amount of the invoice with {$0.00} balance. ( See attached copy of invoice as well as copy of my credit card statement showing payment made. ) On XX/XX/XXXX, Wakefield and Associates, instructed by XXXX XXXX, XXXX, wrongfully placed derogatory collections on my credit report in the amount of {$640.00}. 

I hereby demand that XXXX XXXX XXXX and Wakefield and Associates immediately remove this amount from my credit report that I do not owe, as I have paid in full the amount that I was billed by their client, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
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 have a right to privacy and i never have XXXX XXXX permission to furnish a report on me.

15 U.S. Code 1681 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.

XXXX XXXX never notified me that i was late on a payment which violated 15 U.S. Code 1666b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is MAILED or DELIVERED to the consumer not later than 21 days before the payment due date.

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 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (GA)

Complaint:
Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the repossession I dispute on the attached copy of the report I received. 

This repossession is inaccurate because XXXX is reporting that my highest balance XXXX $ and XXXX  is reporting a different amount if you dont remove this wrong information Im ready to proceed with legal action because I made you all aware of this error a few months ago and this information is still incorrect. I am requesting that the item be removed Immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (NJ)

Complaint:
I went to XXXX XXXX XXXX XXXX XXXX XXXX in late 2017. I paid my co-pay, and was billed an additional amount several months later. I paid this amount. I was sent a bill again the following month, for the same amount. I ignored it, figuring my payment and their bill crossed each other in the mail, and my payment hadn't posted yet. The following month I received another bill. I checked my account and realized they never ran my card, so I sent back the payment stub again, with the same card number. The following month I get another bill, this time {$78.00} higher. They claim they tried to contact me about my original payment not going through ( they didn't ), and that they added a collections fee to my bill .... *AFTER* I paid them, XXXX. Now the original balance of {$110.00} is gone, but I'm getting a {$78.00} invoice from them monthly for the collections fee. In addition, I get TWO DAILY phone calls from their collections agency, harassing me into trying to pay their bogus fee. XXXX XXXX refuses to do anything about it. Capital Accounts is trying to bully me into paying them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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. (OH)

Complaint:
XXXX XXXX reports on my credit file And account is not mine

Company response to consumer: Closed with explanation