hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2017-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (DC)

Complaint:
I have a Citi Premier credit card that I have had opened for several years now. When my annual fee came due approximately 4 1/2 months ago, I called in to cancel the card. To entice me to keep the card open, I was offered a promotion wherein I would receive a statement credit of {$95.00} for spending {$1000.00} on the card in each of the next 3 months. In addition, I would receive XXXX bonus ThankYou Points for spending {$1000.00} on the card in each of the next 3 months for a total of XXXX bonus ThankYou Points at the end of the third month. I completed all requirements under the offer and was provided the {$95.00} statement credit as agreed to, but only received XXXX bonus ThankYou Points despite meeting all the required criteria. 

I reached out to Citi on two occasions to get this resolved and was told that the {$95.00} statement credit and XXXX bonus points was what my account was enrolled in. While that was on option, that was not the option I selected on my phone call with Citi when the offer was made. I explicitly had the Citi representative read back to me the terms before agreeing to the offer, which he did, and which clearly stated that I was to receive XXXX bonus points for every month I spent {$1000.00} on the card for a total of XXXX bonus points.

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 2020-03-08
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. (NV)

Complaint:
Someone has been used my information to open accounts. Ive sent letters to the Credit bureau 4 times and I havent heard anything from them.

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 2022-05-31
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. (MI)

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kirschenbaum & Phillips P.C (NY)

Complaint:
According to original creditors, XXXX XX/XX/XXXX ( XX/XX/XXXX ) XXXX, I held an account ending in XXXX. The amount claimed was {$3000.00}, with XXXX of interest fees from XX/XX/XXXX to XX/XX/XXXX. On or before XXXX, Kirschenbaum alleges that a judgment was rendered in favor of the plaintiff and against XXXX XXXX. My legal name has never been " XXXX, '' and in XXXX, I did not live at XXXX XXXX XXXX XXXX, XXXX XXXX, XX/XX/XXXX,XX/XX/XXXX XXXX. I moved out on XX/XX/XXXX. The judgment was unfair and based on someone using, misusing, and stealing my identity. I have raised the argument with several creditors, and the mental anguish of this ordeal has caused me to return to seek XX/XX/XXXX It has also caused new medical XX/XX/XXXX. A recent XXXX has proven abnormalities in the XXXX. I did not have any affiliations with this creditor or bank. I never used this card, and I was never served with papers. My name is not XXXX, and this was never my birth certificate, social security card, or State ID. There has never been a name change either. My original name has always been the same, and my last name changed due to marriage on XX/XX/XXXX. This has been occurring for years and has impacted me in many ways in my life. I have received several disturbing calls and threats from many debt collecting firms. XXXX XXXX XXXX was a firm that relished in the judgment and stated, " We can harass you for 20 years, and there is nothing you can do about it. '' I refuse to allow this abuse to take place, and the damages are unimaginable. I live battling XXXX and XX/XX/XXXX I am now back to mental health. Thank you, XXXXXX/XX/XXXX and Kirchenbaum & Phillips, PC. If your goal is to harass a XXXX minority under the pretense that she is the holder of the account, then you have accomplished your goal. I will seek legal help if this is not resolved. I am also going to take this to court because it is an unjust judgment and unfair action. I have been called " XX/XX/XXXX, '' " XXXX, '' and other humiliating phrases from debt collectors. To get my information, the debt collectors state, " Enclosed herewith you will find copies of documentation, representing verification of the above-referenced debt ... attached you will find an Affidavit for Fraud for your completion. '' After this ordeal, I am refusing to give them any vital and personal information. I am uncertain of their motives and reason for requesting this information. The debt collector refused to validate the debt and did not send documents with proof of my signature and so forth. They have violated the FDCPA, I have been to mental health from XXXX to XXXX several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (MS)

Complaint:
I have sent LVNV FUNDING LLC a cease and desist and asked for validation of the alleged debt. Instead they did not comply with what I asked for in reference to validation of the alleged debt ; nor did they comply with the demands of stop negatively reporting to Credit Bureaus and XXXX me the consumer XXXX, XXXX, and XXXX. I have not been able to get extensions on credit due to the negative reporting. The company also tried to sue without proper notification and signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
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. (FL)

Complaint:
The Accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time. I have doubts about their accuracy and the reported payment history on accounts are a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the accounts be removed to correct the information. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
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: Allied Collection Services, Inc. (Nevada) (FL)

Complaint:
Theres an account that I don't recognize or haven't conducted any business with them reporting a collection report on my credit report this goes against the FCRA

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 2016-10-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Security Credit Services, LLC (PA)

Complaint:
Security Credit Services continue to attempt to collect a debt that is not mine and place this debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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. (AZ)

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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. (FL)

Complaint:
I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Complaint:
Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
I've contacted Transunion Consumer Solutions via telephone on the following dates when I noticed a collection that was paid reporting to my consumer report without my consent. 
XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX amount : {$180.00} Ive also sent certified mail on XX/XX/2022 stating that the account was being reporting without my consent and as an inaccuracy. No help has been issued from their side but a response saying verified. This paid collection has been hindering my family and I from being able to build relationships with financial institutions because I'm being denied for credit. This is the only collection I have ever received and only collection reporting. 

I attached the letter that TRANSUNION replied with and my credit report showing the collection reporting. 

In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX has violated my rights. 

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

15 U.S.C 1691 section 604 A section 2 also states : A consumer reporting agency can not furnish an account without my 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 non-monetary relief
Consumer complaint received 2022-07-08
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. (WI)

Complaint:
XXXX -EXP'RlAN AIrt : Your scores dropped XXXX pts from two new crdt lines ... CIose here, within 48 hours : XXXX XXXX Received from text message : 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 2017-07-25
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

Complaint:
XXXX XXXX 2017, an unknown hard inquiry pull was made on my credit report. To my knowledge I did not authorize this pull to be made. In requesting I 'm asking to see valid validation of my approval consent and signature stating I authoriz this hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
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: Checkr, Inc (GA)

Complaint:
Back in XXXX of XXXX, I was sent a message that I am not qualified to drive a car on any rideshare platform. I reached out to the entity/agents and let them know that unless I provided express written consent they were not allowed by law to access my private data stored in the Department of XXXX XXXX XXXX Furthermore, I was never convicted of any crimes so any information they are reporting is false and misleading without any firsthand knowledge of any crimes. This entity has accessed the driver record without filling out the XXXX form that is required to access driver records in Georgia. Additionally, it is a crime to pursuant to the National Driver Records regulation to access records without the express written consent of the person. This entity is restricting my trade pursuant to 15 USC 1, 15 USC 2, and 18 USC 1951. Also they are in violation of using my tradename for pecuniary purposes without compensation, and under the official code of Georgia they are in violation of 16-9-93.1 These foreign Corporations are in violation of 15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information. ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. Traffic infractions are not a crime : California Court of Appeals ruling, People vs. Battle. The ruling establishes that a traffic infraction is not a crime. This is clearly identity theft and I will be reporting this to the IRS for usury. I am not XXXX XXXX XXXX employee. Hobbs Act Violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
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. (NV)

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 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-23
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Global Lending Services LLC (MS)

Complaint:
I called the company " Global Lending Services '' on XX/XX/20 at XXXX to inquire about the debt i owed on my car loan.. I have suffered greatly from covid as i know many others have and they offer ZERO assistance for those suffering.. Once i had read the reviews i saw where the deferred some payments for the people who called attorneys but offered me and some others ZERO HELP. They told me my car would be repossessed and that i needed to get all valuables out. The fact that a company has NO ASSISTANCE for something like this is appalling and they should be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
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. (GA)

Complaint:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX {$340.00} XXXX {$160.00} XXXX {$590.00} XXXX {$300.00} XXXX {$20000.00} XXXX {$500.00} XXXX {$30000.00} XXXX {$120000.00}

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 2017-06-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

Complaint:
On    XXXX  , I paid m y car payment bill through bank of America. They decided to process the payment twice. The payment was o n XX/XX/XXXX  a nd was for  XXXX  and then processed again on   X/X/2017     for  XXXX .  <P/><P/><P/> My wife and I are in the process of closing this account and are lowering the balance and monitoring it while she changes her direct deposit. O n   XXXX  ,  my wife and I verified this balance with each other before writing a check for cash at another institution. I have attached a screen shot used for this conversation we had by text verifyi ng one debit an d the remaining balance in the account. With this additional debit and another debit process the account will now be in a negative balance. In  XX/XX/XXXX  Bank of America made  a Bill paym ent for this car payment to the wrong account. Our credit card is through  XXXX  and car loan is through  XXXX  in  XX/XX/XXXX  they sent this to the wrong account though I put it in accurately on their   Bill Pay.
<P/>
At this point it is possible for my wife to be criminally charged with theft by check in Oklahoma.
<P/>
Bank of America may be retaliating for a series of complaints detailing their harassment of us for filing complaints.

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 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Complaint:
Experian is reporting false information about my accounts ; my payments and dates, and amount of my loans and credit. They are reporting my XXXX hasn't been paid since XX/XX/XXXX ; I am current and up to date with XXXX  and I have proof. And I would like to add XXXX more thing. XXXX doesn't report to Experian about my monthly payments. My XXXX bill is current and up to date I have proof. Experian is reporting i had not made a payment since XXXX XXXX. My XXXX card ; Experian is reporting that I have not made a payment since XX/XX/XXXX. And they claim I need to make 3 more payments before they can give me a boost in my credit. Which I have proof is current and up to date. Experian webpage reports my credit is XXXX however my XXXX XXXX is reporting XXXX. My XXXX XXXX is reporting XXXX and they are all getting their information on Experian and i Have proof. My XXXX XXXX account XXXX XXXX of {$17000.00} Experian is reporting it as {$18000.00}. They have inconsistent report of wrong information on my account. I would appreciate it if you could look into this for me and correct all the incorrect information they fail to accurately report which is affecting my score as a Consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation