hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-04-14
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. (SC)

Complaint:
I sent a letter last XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX/XXXX, XXXX XXXXXX/XX/XXXXXXXX Balance : -, XX/XX/XXXXBalance : {$590.00},XX/XX/XXXXBalance : XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$100.00}, XX/XX/XXXXXXXX Balance : {$570.00}, XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXX XXXX Balance : {$2400.00}, XXXXXX/XX/XXXXXXXX Balance : {$1400.00}, XX/XX/XXXX XX/XX/XXXXXXXX Balance : -, XXXXXX/XX/XXXX ( Original Creditor XX/XX/XXXXXXXXXX/XX/XXXX ) XXXX Balance : {$700.00}, XX/XX/XXXX( Original Creditor :XX/XX/XXXX) XXXX Balance : {$270.00},XX/XX/XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$730.00}, XXXXXX/XX/XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2500.00},XX/XX/XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1100.00}, XX/XX/XXXX( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$5600.00}, XX/XX/XXXXXXXX XXXX Original Creditor : XXXX XXXXXX/XX/XXXXXXXX XXXX ) XXXX Balance : {$620.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX,XX/XX/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 2020-12-06
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. (TX)

Complaint:
I have written letters toXX/XX/XXXX and TRANSUNION in compliance with the CRA on XX/XX/2020, again on XX/XX/2020, and on XX/XX/2020. 
They have failed to remove information that was affiliated with personal details that were challenged in the past, along with none verification from the collection agency XXXX XXXX XXXX ) Acct # XXXX I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2023-05-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Complaint:
Three of my personal accounts, three of my credit cards, three of my business checking accounts, overall 10 of my accounts have been closed by chase with no reason given. They have also locked my online account and do not allow me to access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

Complaint:
Please address my attached letters that were sent to your company that were sent to your company 14 days ago via mail and experian upload!

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 2023-03-10
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. (PA)

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

Complaint:
In XXXX, XXXX XXXX XXXX XXXX submitted a collection account for XXXX to my personal credit report. The account was for a Corporation for which I was not liable. Documentation was submitted which removed the collection from my credit report. 

One year later, creditor XXXX XXXX was allowed to submit the same XXXX collection to my personal account, despite the fact that my Experian already knew I was not responsible for the account. 

Experian not only did not reference the previous dispute 's documentation, but did not allow for the documentation to be easily uploaded to the case. Nor was I notified as to why the documentation which proved that I was not liable in the initial collection was no longer viable for the second creditor. I have not been given any information as to why Experian hold me liable for a corporate account despite having evidence to the contrary. I have ample documentation to prove my case but Experian would not allow me to submit it. 

How many times can a creditor add the same collection to my credit report after being successfully disputed. This is harassment.

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 2023-03-27
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:
So I sent a letter off on XX/XX/2023 ; To remove personal information that I do not want on my credit report. According to the fair credit reporting Act 12 USC 1681, I have the right to privacy. Also, according to 15 USC 6802 ; No financial institution is not supposed to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

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 2022-05-23
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL (FL)

Complaint:
On XX/XX/2022, by phone, I requested closure of a CD account with Synchrony Bank. I was told it would take 4 days for closure and another 3 to send me the funds. On XX/XX/XXXX I called back after noticing the account is still not closed. After being on hold for 30 minutes, I was now told it would take 7-10 business days just to close the account because they are backed up on account closures and paperwork. This is unacceptable for a bank to take up to 10 business days just to close an account. I requested a second CD account to also be closed and again was told 7-10 business days just to process paperwork for that closure because they arent able to keep up with customer requests at this time. Someone should look into this bank and remind them they should be placing customers first.

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 2022-08-04
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: EQUIFAX, INC. (TX)

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$5400.00} XXXX  XXXX XXXX Balance : {$5500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
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: JPMORGAN CHASE & CO. (MA)

Complaint:
Between mid-XX/XX/XXXX through mid-XX/XX/XXXX, someone made purchases through my XXXX account for a game made by " XXXX XXXX ''. I noticed due to the high card balance and I reported it to Chase on XX/XX/XXXX and put a claim into XXXX. XXXX refunded a weeks worth of charges. I attempted to contact XXXX, but there was no direct communication I could find on the web other then form ( would need to submit over 200 forms and their site does not mark which one have been submitted ) Chase did a Fraud investigation however since it was my XXXX account, they cant count it as fraud. Chase then submitted it as a dispute. The dispute lasted 2 months and I followed their instructions, including contacting XXXX and the merchant of the game through a number Chase provided me. Ultimately, XXXX advised me I need to contact the merchant. I was bounced back and forth multiple-times saying if I want a refund, contact the other person ( see the recent email chain attached ). Chase informed they cant do anything as it was digital product, to much time has pass ( even though I filed it within 2 billing cycles ) and  XXXX claims the money is already with the merchant, who does not reply to my request for refunds anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
Bank of America. {$36000.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
Status : Account current under XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX. ( XXXX ) XXXX, XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

Complaint:
I tried to apply for a gas card through XXXX and was denied due to showing 12 hard inquires on my credit report. I checked my credit report and as a result saw there were hard inquires on my credit report as well as my personal information is incorrect and needs to be updated my day of birth shows XX/XX/XXXX and that is incorrect. There is information on my credit report that needs to be deleted due to have been paid off, it 's from the XXXX XXXX XXXX XXXX it was originally from XXXX XXXX then was appointed to the government. I have filed a complaint before in regards to the issue I had with XXXX XXXX, which now is XXXX, but related the another issue. It is reported as closed but is showing on my credit report. The hard inquires for these last 12 months are not something that i recognize and would like them removed off my credit reports. 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXl XXXX XXXX XXXX SD XXXX ( XX/XX/XXXX ) 2. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ( XX/XX/XXXX 3.XXXX UT XXXX ( XX/XX/XXXX & XX/XX/XXXX ) 4.  XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XX/XX/XXXX ) 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) I want these hard inquired removed off m y 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 explanation
Consumer complaint received 2019-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

Complaint:
My name is XXXX XXXX. I am a good XXXX and just graduated from XXXX School and started my first year of university. I have a long way to go and I lack much financial knowledge very financially incompetent. I was trying to pay for my school by XXXX XXXX. A scammer took advantage of my situation and scammed me by giving me a fraudulent check. I know this happens more often, but I am a VICTIM. And now I feel that Ive been taken advantage by JPMorgan Chase ( Chase ) and XXXX XXXX XXXX XXXX ( XXXX ). When the bad check was deposited into my Chase account, it was on hold as should be, to validate that the other financial institution ( XXXX ) had funds. So when the check cleared BOTH FEDERALLY INSURED banks were responsible. However, Chase took money back a week later and left my account overdrawn and put the blame on me. Chase should've escalated and fixed it with XXXX - not blame me. Now they want me to be sole VICTIM in this situation. Is this how they treat our future Americans? 

Hiding appropriate disclosures, not being clear and leaving me to hang. I have no money now to pay for school or gas or food. 


Chase and XXXX should individually or together reimburse for my loss, as they are federally insured. Dont let the consumer be the victim again. A police complaint was filed on XX/XX/19 ... .. XXXX check - Post date XX/XX/2019 Check # XXXXCheck amount {$2700.00} Account # XXXXRouting # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
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: ID Analytics, Inc. (FL)

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction.Under the Fair Report Act, you are required to comply. My address should be listed as XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX. The following addresses are not mines please delete or remove them from my credit report they are inaccurate as reported : XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX I am a victim of ID Theft I have accounts from credit card companies that I do not recognize showing on my credit report. I currently live in XXXX  and I was in the process of moving to XXXX from XXXX XXXX  and I believe I have been compromised.

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 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Complaint:
I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Product: Credit reporting 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. (SC)

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/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 2023-05-25
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. (NV)

Complaint:
I want to file this complaint to TRANSUNION. I sent them a letter dated XX/XX/2023 regarding the inaccuracies in my report such as late payments, incorrect charges, date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 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 an account without my written instruction.

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 2017-09-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

Complaint:
Yes- my Auto Loan Payment with USAA Federal Savings Bank is supposed to be taken out of my checking account on the XXXX of every month. Until today this was about the only thing with USAA that was working correctly. Additionally I added my mother 's name to my accounts, and service representative I spoke about with my auto loan could not yet again tell me how to do this simple action. I sent them a letter signed by my mother on XXXX XXXX XXXX and no action, or even acknowledgement of receipt occurred. Also they simply did not call my mother if, as agent today stated, they had verification issues. Finally, I spoke about a week ago with the XXXX XXXX XXXX about getting my mother off my accounts, and the gentlemen I spoke with could not even keep up, as had to repeat myself several times, nor tell me how to do this, and was supposed to get back with mee but never did. USAA was open today, but the XXXX XXXX XXXX was off for labor day weekend. Finally, my home mortgage payment was supposed to be taken out yesterday on XXXX XXXX XXXX, but was not- when will it be taken out now XXXX XXXX XXXX? 4-days late? How is one supposed to manage finances with this type of service? Finally, USAA supposed to be a XXXX Bank XXXX service member worldwide in all time zones and not even open XXXX XXXX a week- so how do XXXX service members, especially in XXXX communicate now? Finally today they could not get the XXXX time text code to come through to me after 3-tries!!!! Is all this acceptable????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Complaint:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

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 2020-05-10
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. (CA)

Complaint:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. REFER TO THE ATTACHED IDENTITY THEFT REPORT. 

I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX AND XXXX BUT TO DATE I HAVE NOT RECEIVED A INVESTIGATIVE RESULTS REPORT AS OUTLINED UNDER THE FCRA.. YOUR FIRM COMMITTED FIVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE ARE ACCOUNTS REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE. 

I HAVE AN ESCROW PENDING AND THE BELOW ACCOUNTS ARE HINDERING MY LOAN APPROVAL. THE VALUE AMOUNT IS {$850000.00}. IF THESE ACCOUNTS ARE NOT DELETED BY XXXX I WILL HAVE TO INITIATE LITIGATION WITH THE ASSISTANCE OF XXXX XXXX XXXX, XXXX. THIS LAW FIRM SPECIALIZES IN FCRA VIOLATIONS

Company response to consumer: Closed with explanation