hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (LA)

Complaint:
CONVERGENT OUTSOURCING Original creditor : XXXX Is reporting an account that is not mine. I have reached out and disputed this fraudulent account. XXXX  removed this account, however XXXX has said its " verified. '' I then reached out to Convergent Outsourcing requesting all documentation they have on this fraudulent account so I can conduct my own investigation on who may have opened this account, when, and where. No information has been provided. If this account does exist, its a result of someone using my personal information, without my consent, and needs to be removed from my credit file immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Complaint:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : Charge Off XXXX XXXX  XXXX XXXX {$1800.00} XXXX XXXXXXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$8700.00} Collection XXXX XXXX XXXX XXXX {$980.00}

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 2023-01-16
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. (NY)

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
1. This account does not belong to me. I have no knowledge of this account. I have no knowledge of the original creditor XXXX Account Number : XXXX Please remove this account from my credit report immediately! 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Transunion is only one Bureau who keeps reporting this negative account on my credit history. 
I am 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 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PR)

Complaint:
I have called the credit reporting agency Experian multiple times and they haven't removed inaccurate variables of my name, i need this inaccurate name info to be removed immediately from my report as the fair credit reporting act states, consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed. The only name that should be listed on my Experian report is XXXX XXXX XXXX XXXX which is the one listed on my id and my birth certificate. Please remove name variables that says : XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX From my Experian report immediately I am tired of trying to get this wrong info out of my report. I attached my id and my birth certificate to validate all my name information. I expect this to be corrected as soon as possible

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 2022-09-21
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: Experian Information Solutions Inc. (LA)

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2017-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CO)

Complaint:
On XXXX/XXXX/XXXX, two years ago we bought a television at Best Buy, purchased as a promotion with no interest for two years on a XXXX XXXX Without much thought, we used the same card with its available credit for other purchases. When the promo period ended, XXXX XXXX, the deferred interest charge of {$720.00} had been applied to the amount due. Upon further research, at no time after other purchases had been made, were monthly payments or a portion of payment applied to the original purchase, only the subsequent purchases. If this interest is not paid in-full this month, it deems our account over the limit and will incur a fee of {$37.00}

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 explanation
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Complaint:
I have requested they investigate several accounts that are being reported incorrectly. I have mailed letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. There are more dates but I feel this shows my attempts to work with them. My requests were to investigate and provide me details of the investigation. I requested them to delete the account based on they are reporting incorrectly. All I get is responses based on them submitting codes. No investigation ever happened. They have never provided me details of an investigation.

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 2021-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AR)

Complaint:
TWO FRAUDULENT HARD PULLS ON EQUIFAX XXXX XXXX XXXX AND XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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: Experian Information Solutions Inc. (IL)

Complaint:
I have unauthorized credit inquiries on my account. they are below. 
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 explanation
Consumer complaint received 2021-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (IL)

Complaint:
Barclay MasterCard. I was solicited by Barclay for a 0 % APR on purchases made starting XXXX, XXXX until XXXX XXXX. Once I accepted the offer, which was in a pop-up box, the terms were no longer viewable. I received no confirmation with terms, I can not see terms on their website, terms are not viewable on my credit card statement. 
I had a balance of XXXX before the promo began I paid XXXX in full on XX/XX/XXXX bringing my balance to XXXX I then made a charge on XX/XX/XXXX ( the first day of the promo ) for XXXX. 

My current statement dated XX/XX/XXXX shows a balance of XXXX, minimum payment due of XXXX. Unfortunately in the Interest Charge Calculation section, it states that XXXX will be subject to 14.99 % APR if I carry a balance, and XXXX will be subject to 0 % APR. Those two figures total XXXX. So my understanding is if I only paid the minimum payment of XXXX, I would be subject to 14.99 % APR on a portion of the balance carried. 

I called the toll free number for clarification on XX/XX/XXXX and the first rep I spoke with could not answer the question. I then spoke with her manager XXXX in XXXX, NV who actually stated " I don't know ". 

I feel as though I have been tricked. 
My balance was XXXX on XXXX XXXX. I made no new charges until the 0 % APR promo offer began on XX/XX/XXXX. 
So now I'm forced to pay my entire bill, instead of enjoying the 0 % APR that was promised.

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 2018-12-11
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: EQUIFAX, INC. (TX)

Complaint:
Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX. ( Original Creditor : ) XXXX, ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (NV)

Complaint:
I made the very last payment on time, however, payment was made during my time, pacific standard time on the due date. Unbeknownst to me the company cut off for the due date was based on eastern standard time. The charges showing on my account is a late fee on that last payment which paid my account in full. The late fee has accrued interest and penalties. I have closed the account and never used it again. I always paid it on the due date!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

Complaint:
Continually the same problem with this bank. Incorrect balances, I can not sign into the so called MY SYNCHRONY data base t0O make a payment, Customer service experiences rude, unprofessional, uncaring and problems remain unresolved. Current balance incorrect and they really do not care pay or else. They do NOT respond in writing nor do they ever keep conversations on file that reflect customer side - only theirs! Right now and gain I can not sign into the data base to make a payment! \IT would be nice if you could correct the incorrect information you continue to populate for years!!! Then again you evidently do NOT read these comments or if you do you do not comprehend English? You tell me? 

SEE -- -- Your contact information XXXX -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX Females in America are not identified as 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 monetary relief
Consumer complaint received 2022-12-13
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: Experian Information Solutions Inc. (TX)

Complaint:
Unauthorized inquires made on my credit reports.

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 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Complaint:
I submitted a request for a free annual credit report from XXXX via the XXXX website. However, the site tells me that I need to mail in copies of my social security card, driver 's license, XXXX info, etc. in order for me to receive a paper copy of the report. What 's the point in having an online service if you ca n't receive the report online. Further, sending all that personal information through the mail invites 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 non-monetary relief
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX Account name : # XXXX XXXX XXXX XXXX XXXX Account name : # XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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
Consumer complaint received 2022-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

Validate Account XXXX  Account Number : XXXX Please remove it from my credit report Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit 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 2021-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Complaint:
I opened a new XXXX card with Bank of America and set up autopay. I paid my entire statement balance in advance so that I was paid in full and owed nothing. The autopay system debited my bank account for the entire statement balance a second time even though I had already paid.

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 2017-12-14
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Complaint:
Law firm illegally removed funds and placed hold on remaining funds in 3 of my Bank of America accounts. Two accounts were IRA and XXXX rollover accounts and the third was my personal checking account. This will, also, affect my taxes due to the IRS for XXXX. 
There was one non-refundable processing fee. I am involved in guardianship case # XXXX in XXXX County, XXXX, Texas in XXXX XXXX XXXX 's probate court # 2. He did not authorize this action to be taken by the attorneys so I assume bank was given fraudulent documents by attorneys of the XXXX XXXX, XXXX XXXX XXXX, specifically being XXXX XXXX XXXX and XXXX XXXX XXXX who represent my brother XXXX XXXX XXXX who opposes me in guardianship case of my mother XXXX XXXX XXXX which he filed application for XXXX/XXXX/XXXX. I filed for guardianship in XXXX XXXX and this law firm has since that time waged an unethical, illegal campaign of retaliation and ongoing witch-hunt against me for their stated purpose of wearing me down by taking funds I need to hire legal representation for myself and cause me to fear lack of funds to even pay for my and my family 's basic needs such as food, clothing, bills, etc.

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 2023-02-15
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: EQUIFAX, INC. (IL)

Complaint:
VIOLATION TO CONSUMER FCRA AND METRO 2 CXXXX 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (IL)

Complaint:
This debt isnt mine. I've never been to New York. Ive never had XXXX and never owned an ipad. 

Identity Theft AMSHER COLLECTION SERV Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Complaint:
It appears that my credit file has been compromised. I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX  XXXX Balance : {$19000.00}, U S DEPTOF EDXXXX XXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$150.00}, XXXX XXXX XXXX ( OriginalCreditor : XXXX ) XXXX Balance : {$89.00}, XXXX XXXXXXXX : {$0.00}, XXXX XXXX  Balance : {$180.00}, XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX XXXX ) XXXX Balance : {$110.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Health Care Financial Services, Inc. (TX)

Complaint:
This bill was paid by the insurance company past 12 months ago, now I am being charged again for the same debt. 
The hospital states that payment was recieved.

Company response to consumer: Closed with explanation