hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-10-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then XXXX times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and negative account its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX 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 XXXX now XXXX homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
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:
XXXX/XXXX, ACCOUNT NO.XXXX IS REPORTING ON MY EQUIFAX CREDIT FILE.I HAVE NEVER ORDERED XXXX , NEVER RECEIVED THE CARD, NEVER USED THE CARD, AND NEVER RECEIVED ANY MERCHANDISE.THE OPENING OF THIS CARD IN MY NAME IS ENTIRELY FRAUDULENT.IT IS IMPOSSIBLE TO DEBT VALIDATE AS IT HAS NOTHING TO DO WITH ME.PLEASE FINE THE BUREAU IF THEY DO NOT REMOVE THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

Complaint:
This complaint is about Chase Bank.

Chase has drawn my funds on altered checks. And Chase has never notified me about the fraud, even after a third party bank had detected the fraud. Chase is denying my claim due to time frame. If Chase had notified me, I should have been able to file claim a lot earlier.

1. On or about XX/XX/2019, I dropped two mails in post office drop box, one mail with a check # XXXX of {$17000.00}, payable to Internal Revenue Service ; the other mail with a check # XXXX of {$5900.00} payable to XXXX XXXX XXXX. My checking account is with Chase Bank. Later I noticed the funds were drawn from my account. 

2. On XX/XX/2019, a third party bank XXXX XXXX  called me, told me that there was fraud involved with these two checks.

3. I checked with Chase, the " Pay to the order of '' part had been altered for both checks. And the checks were cashed at XXXX XXXX. 

4. On XX/XX/2019, I immediately filed claim with Chase Bank. I was told by a Chase banker that my funds would be returned to my account within about 11 days.

5. But on XX/XX/2019, XXXX notified me that they were denying my claim because my claim was not filed within time frame.

6. On XX/XX/XXXX, I reported the fraud to police department.

7. On XX/XX/XXXX, I escalated my claim to Chase Executive office.

Chase has drawn my funds on altered checks. And Chase has never notified me about the fraud. I learned it only from a third party bank, which is XXXX XXXX. 

So far, Chase still refused to approve my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BARCLAYS BANK DELAWARE (IA)

Complaint:
I am currently working with legal group to settle my debt. The credit company was continuously calling me and bring aggressive/threatening. I asked the credit company to only communicate with me through written means. They refused to communicate this way and continued to call very frequently.

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 2022-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc. (MI)

Complaint:
SoFi has locked my money account due to supposed " fraudulent activity '' on XXXX after I phoned in to simply add my SoFi credit card to XXXX XXXX. They had my old phone number on file with the credit card after I updated my SoFi profile with a new phone number so the customer service agent had to contact their security to see why the account wasn't updated after I changed the number via the app. 

They locked my account that following morning. Not my credit card but my MONEY account with all my finances. I called the number they provided for inquiries, but you're only allowed to leave a voice mail. 

I called the account customer support to speak to a human, and they told me I simply have to wait for one of their security team members to call me. Meanwhile all my money is frozen. I asked her if I was not supposed to be able to buy food or eat and she replied, " yes sorry for the inconvenience. '' A complete joke of a company. Do NOT give them any of your money. They can lock it and essentially steal it from you for literally any reason then not allow you to speak to anyone. The only " fraud '' protection you need is from SoFi themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

Complaint:
remove all old adresses

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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. (MI)

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
MY NAME IS XXXX XXXX, AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND IDENTIFICATION AS IT CONTAINS MY FULL COMPLAINT AND REQUESTS.

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 2022-03-06
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: Experian Information Solutions Inc. (TX)

Complaint:
I moved to XXXX XXXX  XXXX Tx, Because of a bad family situation. My personal items have not been sent to me. My dl /sscard /Id were all misplaced. I have not been able to get new replacements yet. I pulled my credit report and i found alot of information that does not belong to me. I never authorized these accounts .There is incorrect addresses, medical sccounts, utility accounts andmore XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXXXXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX ACCT # XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (MA)

Complaint:
XXXX XXXX XXXX XXXX, TD Bank NA allowed 127 fraudulent charges totaling {$5300.00} and after disputing these charges twice via their XXXX number and also via branch visit, TD Bank states after their investigation fraud did not occur as chip card was detected! XX/XX/XXXX TD Bank contacted via text asking if I authorized {$1000.00} charge to XXXX which I did not. They told me freezing my account and would need to go to branch and get new debit/ATM card. On XX/XX/XXXX when I looked at my account via mobile, my account shown negative balance and broke into tears after seeing 127 Fraudulent charges that all were processed within seconds/minutes/hours of each other and all from state of Florida and meanwhile I was using MY card on legitimate charges here in MA. I hereby state that I did not authorize any of these charges nor authorized the use of my card to anyone ever. 127 changes break down as follows : XXXX allowed ( 92 ) charges totaling {$4000.00} ; XXXX allowed ( 27 ) charges for {$1100.00} ; ( 1 ) XXXX XXXX XXXX {$27.00} ; ( 1 ) XXXX XXXX - {$11.00} ; ( 1 ) XXXX  XXXX - {$11.00} ; ( 1 ) XXXX  - {$6.00} ; ( 1 ) XXXX XXXX - {$47.00} ; ( 2 ) XXXX  charges totaling {$14.00} and ( 1 ) XXXX  {$21.00} : Total of 127 FRAUDULENT charges totaling {$5300.00} all from FLORIDA! TD Bank also processed insufficient fund charges and I have returned check fee from my mortgage company as they returned payment - the stolen money is for back pay of mortgage and I need this money credited back to my account before they start any legal proceedings. I need help please. Can not reach a live person at TD Bank Dispute and Claims department and only can dispute via phone or branch then wait for a letter in mail with decision which I have been denied twice. TD Bank employees in branch and on phone state that fraud is apparent due to time stamps, amount of charges made, card charges being made in Florida and MA at same time but keep being denied MY money - please HELP this has been going on for exactly one month today. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2015-04-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (TX)

Complaint:
This debt started and ended in XX/XX/XXXX. I had an employer stop payment on my paycheck and then the bank started accruing overdraft fees. I never even attempted to pay it, because the debt was going so high and out of reach. LVNV tried to put my last transaction date as XX/XX/XXXX ( never happened XXXX so I filed a complaint about them and they responded by saying they would remove themselves from my credit report. Now this Company " XXXX '' is trying to collect an 8 year old debt that started out as a fraction of the actual amount. I would like them to provide me with proof I have had anything to do with this account in the last almost 8 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
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:
XXXX XXXX XXXX Last reported XX/XX/2021 {$620.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX Original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (TX)

Complaint:
TRANSWORLD SYSTEM INC is a company I have no idea about. I do not owe debt to this company. TRANSWORLD SYSTEM INC constantly calls me starting from XXXX and before XXXX at night pretty much everyday, since the month of XX/XX/2022, ( over 15 times ) with voicemail stop statimg their company 's names or what is the matter for. This is a violation if this collections co. Also, I found out this can is legal but not accredited by XXXX. I never tried to fox this problem because I was not aware of this company, meaning, calling constantly with voicemails only stating that this is a matter, please contact them at ( XXXX ) XXXX Who's is reply to harrassment with no information?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

Complaint:
In XXXX, my husband & I received a notice ( from XXXX credit monitoring ) that our car payment with Infiniti reported as a 30 day late on our credit report for XXXX. My husband spoke with an infiniti representative who informed him to pay on the XXXX and his payment wouldnt be considered late nor would it report to the credit bureaus. In reality that was far from the truth. INFINITI reported the payment as a 30 day late payment for XXXX. We disputed it with Infiniti and the credit bureaus and the 30 day late was updated for XXXX. We contacted INFINITI once again on XX/XX/19, Infiniti informed us that the payment should not even report for XXXX instead it should be reporting for XXXX. Now this information have to be updated/corrected to XXXX. We received miss information from an Infiniti Representative therefore, the payment should not be considered a 30 day late payment. We are currently in the process of closing on our first home XX/XX/XXXX and this issue has inadvertently affected us. We have less than 30 days to have this issue rectified.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

Complaint:
Late payment that is reported on XX/XX/2019 and XX/XX/2019 is inaccurate data.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (NY)

Complaint:
This bank is horrible with me they refuse to approve me or process my applications I also wanted to Know when they will upgrade their cards to tap pay go contactless its time they offer latest card technology like XXXX and USA every bank is starting it but they arent

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 2022-01-06
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCollect (WI)

Complaint:
Repetitious calls to XXXX XXXX of harassment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Complaint:
Portfolio Recovery is trying to collect a debt that the bank has discharged and set off to the united states treasury, I dont know how they acquired this information but it IS NOT A DEBT, its only information, Now I say to portfolio Recovery, show me the debt that I owe with tangible proof!! show me the original instrument of indebtedness, in its original form, or show me a valid contract proving my obligation to perform!! I 'm not your customer I 'm not your member and I 'm not your contractee, and I 'm not your consumer get the XXXX out of my life before I call a lawyer and start legal action immediately!!!! THE BANKS DISCHARGE ALL DEBTS TO THE UNITED STATES TREASURY!!! so what kind of XXXX are you trying to pull?? how much did you pay for your information?? 31 U.S. Code 3123 - Payment of obligations and interest on the public debt Current through Pub. L. 114-38. ( See Public Laws for the current Congress. ) US Code Notes Authorities ( CFR ) prev | next ( a ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter. ( b ) The Secretary of the Treasury shall pay interest due or accrued on the public debt. As the Secretary considers expedient, the Secretary may pay in advance interest on the public debt by a period of not more than one year, with or without a rebate of interest on the coupons. ( c ) ( 1 ) The Secretary may issue a bond, note, or certificate of indebtedness authorized under this chapter whose principal and interest are payable in a foreign currency stated in the bond, note, or certificate. The Secretary may dispose of the bonds, notes, and certificates at a price that is at least par value without complying with section 3102 ( b ) ( d ) of this title. ( 2 ) In determining the dollar amount of bonds, notes, and certificates of indebtedness that may be issued under this chapter, the dollar equivalent of the amount of bonds, notes, and certificates payable in a foreign currency is determined by the par of the exchange value on the date of issue of the bonds, notes, or certificates as published by the Secretary under section 5151 of this title.
( 3 ) The Secretary may designate depositaries in foreign countries in which any part of the proceeds of bonds, notes, or certificates of indebtedness payable in the foreign currency may be deposited.
( XXXX XXXX XXXX, XXXX XXXX, 1982, XXXX XXXX XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (GA)

Complaint:
Under duress and extortion from Midland funding, the company agents threatened to take my disability income and social security income and told me i have to ACH funds automatically to avoid my social security and disability from taken away from me. I just read that it is illegal what midland threats and extortions. I have been suffering from XXXX XXXX XXXX and sadness. I cant afford to pay my necessity bills as that {$100.00} is ACH. Please help me as they took so much money from me over {$900.00} already. thru duress. I am so so sad. The bill is in my husband 's name XXXX XXXX and I attached the evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-10
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
TRANSUNION 's inaccurate reportings of two credit report inquiries ( " XXXX/XXXX  '' & " XXXX XXXX XXXX '' is damaging my credit score potentially impairing my ability to obtain a mortgage loan.

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 2023-04-28
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: Experian Information Solutions Inc. (GA)

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. Account opened XXXX XXXX, 2022 for {$670.00} U.S.C section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: A.R.M. Solutions, Inc. (MD)

Complaint:
I cancelled an account with the XXXX XXXX and later received a letter from ARM Solutions about a debt collection for {$10.00}. I was never informed of any outstanding balance from the XXXX XXXX at the time I stopped the service and paid the amount owed to ARM Solutions but I wanted to make someone aware of the situation before it happens to someone else.

Company response to consumer: Closed with explanation