hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-06-24
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. (CT)

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$6900.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$16000.00} ; XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX Balance Owed : {$750.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX. 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2020-06-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (IL)

Complaint:
To whom it may concern, I had a cable service with XXXX XXXX and due to my company merger, I had a loss of hours and income and could not continue to pay my XXXX XXXX  bill. 

I called XXXX XXXX  to inform them of this and to let them know that I would be needing to cancel my service but would try to make small payments on my balance. 

XXXX sent a team member out to collect their equipment that was included with the service. 

Literally the day after my equipment was picked up, XXXX began to call me everyday on the hour despite our previous conversation. 

XXXX then referred my account to a collection company called Afni Inc PXXXX. XXXX  XXXX XXXX, IL XXXX XXXX I was unknowing of this until XX/XX/XXXX when I ordered my annual credit report and saw that Afni placed the XXXX cable bill on my credit profile. 

I have never received a call from Afni. I have never spoken with anyone from Afni but yet they took it upon themselves to place an item on my credit file from XXXX ... an entire 3 years later. 

Even up until recently, Afni continues to take it upon themselves to negatively report to my credit file as of XXXX and XX/XX/XXXX. 

Their unscrupulous reporting has eroded and damaged my credit by 70 points. 

In the midst of a global pandemic where my credit file may need to be referenced ... Afnis unjust business practices has cost me both economic opportunities and dwindled my credit score. 

They know that most people take their credit scores very seriously so they use these shadowy tactics in an effort to collect debts. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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. (NJ)

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 2021-09-01
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. (DE)

Complaint:
Experian has not done a legal and thorough investigation into their errors in reporting. They really have failed the American people. I really would like them to send you or show you the certified and validated motorized report from their data furnisher. They initially claimed that XXXX was their data furnisher nad I contacted XXXX who later assured me that the information they have can not be verified, validated and so they were removing it. Why would Experian want to hold onto the reports just to continue disadvantaging me? This issue has not been resolved thus, must not be closed. The investigation is incomplete.

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 2023-01-31
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: PatientFi, LLC (DC)

Complaint:
I had a meeting today with my banker to obtain a line of credit for my medical practice. He asked me about my XXXX XXXX and when I looked it up XXXX of the scores were in the XXXX 's and XXXX in the XXXX 's. I thought it was strange so I decided to look it up to see why it could have been so low. I saw that there was an account opened while My wife and I were in the hospital welcoming our second son. I have submitted a dispute with transunion, called the office in which the fraud has occurred, and the credit company in which extended the credit. I have not lived in the address provided for more than XXXX  years and I do not know of the number that was used in the transaction.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Complaint:
Please be advised that as of XX/XX/2022, as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX  XXXX - {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$840.00} I want to be explicitly clear with my request. I am not requesting validation of this debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past several months I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above-mentioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.

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 2020-09-29
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. (LA)

Complaint:
Someone stole my identity by putting an apartment in my name and other resources. I did not agree to any of these items being placed are used with my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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. (IL)

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 XXXXXXXX XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 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 an 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 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 2023-08-22
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. (SC)

Complaint:
I am writing to follow up on my previous complaint regarding the incident where I fell victim to identity theft. Once again, I would like to reference FCRA Section 605B, as outlined in 15 U.S.C. 1681c-1, which mandates that Credit Reporting Agencies must eliminate and prevent the inclusion of any items mentioned in an identity theft report. Kindly refer to the documents provided in the attachment to facilitate the process of blocking and eliminating the inquiries that have been appearing on my report. Below is a compilation of the unauthorized inquiries that have been reported in my credit records : XXXX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Synovus Bank (GA)

Complaint:
My bank is taking full advantage of unemployed people. I have a transaction that I tried to stop. I was waiting for my unemployment direct deposit and noticed that my credit payment was automatically coming out. I tried to stop the automatic debit but was told that the transaction cant be stopped, I called my bank and I was told that they cant blockage transactions I had to wait for the charge to hit my account, once the chats get hit my account I called my bank again and was told that nothing can be done because it was pending. By then I was finally able to remove my banking information from my credit card profile. My bank charged me XXXX over draft fees and when my unemployment came in I had to pay XXXX {$36.00} fees. This should be illegal because I desperately tried to alert my bank to no avail and most of my unemployment check went to their fees. Im a single mother of XXXX and couldnt pay a bill because of this. This has happened more then once at this bank. Even if I call them and they refund transactions I swear within a couple of days they are back on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Focus Holding Company (NC)

Complaint:
This debt was paid direct to XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (VA)

Complaint:
Hello, I had a wellsfargo checking account from XXXX when I closed my account. During that time I had a large amount of overdraft fees, sometimes multiple in a day, despite having enough money in the account at the time the bank authorized the transaction. I called and called and tried to get them taken off with no success. Removed overdraft protection. Still got overdrafts. I cant even count how many I had over the span of 8 years. They would take the transactions in different orders in order to get the most overdraft fees. Eventually I got a management person on the phone to explain how I was over drafting in XXXX when I opted out of overdraft protection when I opened the account in XXXX and they said they still allow authorizations through without enrolling in overdraft protection for my convenience. Ultimately I was able to get that person to make a change to my account that would not allow any transaction to go through above my balance. After 8 years I finally got what I specifically requested when I opened the account in XXXX. I closed my account months later after hearing about wellsfargo having diversity interviews with people of XXXX for jobs that were already filled. Wellsfargo has atrocious business practices.

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 2021-04-07
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. (GA)

Complaint:
Sent certified mail delivered in the XXXX on XXXX stating this account XXXX XXXX XXXX was not mine and may be fraud. I have many open accounts with XXXX XXXX in good standing and this must be a mistake.

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 2019-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (VA)

Complaint:
Deposited into my account a check on XX/XX/19. Bank has placed a hold on funds without providing sufficient reason and one not covered by Regulation CC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

Complaint:
Recently I've caught on to how my card seems to get charged twice. Once on the moment of the payment and the second time is a couple days later when the transaction gets posted on the app. I barely caught on, I've been having this account for years. Who knows how long it's been

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 2021-09-13
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

Complaint:
Please see the attached letter from XXXX. Note where they claim I provided " verbal '' authorization in connection with a mortgage transaction. This is a false statement by XXXX XXXX XXXX XXXX XXXX. Furthermore, no voice recording or other concrete evidence has been provided to prove this statement as fact. Please remove all XXXX XXXX, XXXX, and or XXXX XXXX credit pulls from each credit bureau - XXXX, Equifax, and XXXX. If you can not remove the credit pulls, you are in essence committing fraud and will be prosecuted to the fullest extent of the law. 

XXXX XXXX on behalf of XXXX XXXX Illegally inquired on XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: DISCOVER BANK (CA)

Complaint:
Received this notification from Discover Bank that I have an option to limit my privacy from Discover by calling their customer service at XXXX XXXX. 

I called Discover and asked them to limit my sharing with other affiliates. 

The respondent asked me an entourage of questions - My social security number, my verbal password, mother 's maiden name and then my name. 

She said that I have been opted out of Discover bank sharing my information with its affiliates but refused to provide me any kind of confirmation. 

Please see the notice attached. 

Now tomorrow if Discover do share my information I have no proof that I called them to discontinue sharing my information and this is bizarre and a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
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: Affirm Holdings, Inc (NY)

Complaint:
On XX/XX/22, AFFIRM INC added a derogatory mark on my credit report for {$170.00}. Upon further research, this account was transferred/sold and I am no longer responsible for the account. They did not verify this account and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. This alleged debt is not mine I never entered into a signed agreement or completed an original contract with ( AFFIRM INC ). This inaccurate collection is not mine. I never provided any written consent or permissible purpose for this alleged creditor to report on my consumer report. I AM THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report. This is a violation of U.S. Code 1681b permissible purposes of consumer reports. Pursuant to 15 U.S. CODE 1681b ( a ) ( 2 ) - Permissible purpose, of consumer reports. ( A ) in general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I NEVER PROVIDED WRITTEN PERMISSION OR ANY CONTENT to pull my consumer report. This is a violation and also identity theft! 15 U.S.C. 1681c-2- Block of information resulting from identity theft. 15 U.S. Code 1681n- a In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} or ( 3 ) in the case of any successful action to enforce any liability under this section the costs of the action together with reasonable attorneys fees as determined by the court. I demand this inaccurate account to be removed and deleted from my credit report immediately or I will file for litigation and report you to the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
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. (OH)

Complaint:
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 2018-06-23
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. (TX)

Complaint:
Equifax consistently is the only credit bureau that displays incorrect account balances, personal information including addresses and reports closed accounts as being open. I opened disputes for these issues on XX/XX/XXXX and once again on XX/XX/XXXX. As of yet - I have not been able to view the results of my disputes and their system will not allow me to open another one due to them not being able to locate my credit file. Again, Equifax, is the only credit bureau that is reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
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. (AZ)

Complaint:
I am putting this company on notice that the items listed do not belong to me or are incorrectly reporting on my credit file. I have submitted proper documentation and identity verification documents. I demand the information be removed from my Credit profile immediately as this company is in direct violation of Fair Credit Reporting act 15 US code 1681 pertaining to permissible use in regards to reporting this inaccurate and unverifiable information.

Company response to consumer: Closed with explanation