hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2018-10-08
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: EQUIFAX, INC. (AZ)

Complaint:
My XXXX XXXX XXXX credit card # : XXXX, XXXX XXXX credit card # : XXXX, and XXXX XXXX XXXX XXXX XXXX credit card # : XXXX is lost/stolen, and all the charges/transactions on the accounts are fraudulent and unauthorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (GA)

Complaint:
I got a call out of the blue saying that we were late on a payment. Called my wife and found out we were. So we paid two payments that month. Then a couple months late the same thing happened but we hadnt missed any payments. But in trying to keep late payments off my credit we paid two payments that month. Now this is the 3rd time this has happened and shows we are two payments behind still. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
Someone opened bank of america XXXX XXXX account with my details

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 2021-06-19
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. (OH)

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX. I need a PIN for all my credit reports asap. 
I found some incorrect accounts that are listed wrong on my credit file : 1.XXXX XXXX XXXX XXXX XXXX, I have never filed a Chapter XXXX or XXXX bankruptcy. 
2.XXXX  XXXX XXXX  XXXX # XXXX 3XXXX # XXXX 4.XXXX  # XXXX 5XXXX XXXX XXXX # XXXX 6.XXXX # XXXX 7XXXX XXXX # XXXX 8XXXX XXXX  XXXX # XXXX 9XXXX XXXX  # XXXX THERE ARE SEVERAL ADDRESSES THAT DO NOT BELONG TO ME ON MY CREDIT FILE PLEASE DELETE THEY ARE NOT CORRECT : XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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 2020-12-09
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: Experian Information Solutions Inc. (FL)

Complaint:
There are 2 accounts somehow reporting late and I think this is wrong see letter attached

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 2023-05-13
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (NE)

Complaint:
TD Retail Card Services XXXX XXXX XXXX XXXX SC XXXX Credit Card opened by someone else with my credit information in fraud and now they are changing my address. I am concerned about timely resolution. 

I was notified by my company 's Fraud Protection Agency. I contacted TD Credit Card Services and was told there was no account open in my name or social security number on XX/XX/2023. 

I put a freeze on my credit through 3 credit bureau reporting agencies to stop future issues. 

I received 2 letters stating that I had requested an address change on XX/XX/2023 from TD Retail Card Services. I tried to call and customer service was helpful and told me to call a different number for Retail Card Services. She explained there are different types of cards issued by this company. I tried to call them and they are only open Monday - Friday XXXX - XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (TX)

Complaint:
I have had a long banking relationaship with Citibank that includes a Checking, Savings and several credit card accounts. 

When I applied for a Citi Wealth Management I discovered that Citibank has my citizenship information recorded incorrectly. I am a XXXX XXXX who is a Permanent resident. Although Citibank has copies of my passport, they have me recorded as a XXXX XXXX. Citi Wealth asked me to contact the banking arm of Citibank to have this corrected in their records since they use the same identification database. 

On XX/XX/2023 I contacted the Citibank customer service line to request this correction be made. However, I was told by a CSR, and then by a supervisor, that they are unable to make such a change. Particularly : 1 ) I had to wade through a multitude of prompts and holds since none of the options on their phone menus were about updating or correcting account information. After about 10 minutes of holds and transfers I got connected with a CSR.

2 ) The CSR could not understand the difference between a resident and a citizen. After consulting his manager, he wanted to send me a W8 from to fill out. I pointed out that W8 is for non-residents, and that for US persons a W9 is used. He offered to send me a W9. I pointed out that they already have a W9. He confirmed. However, he was still unable ( or unwilling ) to make the correction. I asked to speak with a supervisor. 

3 ) A supervisor ( name given was XXXX, ID # XXXX ) came on the line and after I explained the situation he informed me that what I am asking is " not possible '' and that I would need to take my " XXXX '' passport to a branch. After explaining to him again that I am a XXXX XXXX who is a permanent resident of the XXXX, he claimed that my status as a " XXXX  '' in their system is correct and that there is nothing they can do about it. He claimed that making a change would amount to " lying ''. 
After about 5 minutes of arguing, I asked to be transferred to another perosn. He said his manager " XXXX '' is busy and will give me a call back soon. When I asked about how to report a feedback or lodge a complaint of this customer service experience, he said I need to write a letter. have it signed and notarized, then send it via registered mail to Citibank. Clearly making it onerous for me to report my dissatisfaction. After hanging up, I waited for 24 hours but never received a call back from " XXXX ''. 

The issue is still unresolved. Citibank is basically violating IRS rules by maintaining false data and refusing to correct the information in their system and their employees have no training to understand or apply these rules.

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 2021-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
I was charged double by a Bank of America merchant in XX/XX/XXXX- XXXX XXXX. I paid the disputed amount in good faith until XX/XX/XXXX. XXXX XXXX never credit my account, Bank of America finally credited the disputed amount in XXXX of XXXX. I started subtracting the disputed amount in XX/XX/XXXX along with interest charge. I continued to pay my current month charges in full and was charged more interest each month and continued to deduct the additional interest charges along with the disputed amount. Bank of America has refused to credit my account for the interest which now amounts to over {$400.00}. They state that only the interest that is related to the duplicate charge is refunded not the interest on the monthly charges THAT ACCRUED DUE TO THE DISPUTED AMOUNT NOT BEING CREDITED. if the original disputed amount had been credited in the first place there would have been no interest charges since I pay off my balance IN FULL each month. I have called repeatedly and they tell me that they will review and never bother to notify me of the determination and in the meantime interest continues to pile up. This can not be legal. I plan to file in small claims court because today when I called once again, they finally told me that there is no way they are crediting the interest due to me. They have all the records and notes on the calls I have been making to them since XXXX of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 2022-10-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2020-09-27
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. (FL)

Complaint:
the money source mortgage co in the month of XXXX has reported to the credit bureaus the i am delinquent and 30 days late i have called multiple times to have them fix there mistake with no luck they say they will return my call but never do this has completely destroyed my credit with a cascade effect such as other institutes cancelling or lowering my credit limits to even further take my score lower in the past 60 days my score has dropped over 150 points for no reason i have never made a late payment on any of my accounts i worked for the last nine years to build perfect credit this has taken away all the hard work in a moment please help me with this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc. (CA)

Complaint:
Due to driving in a rental car and having a faulty transponder, a toll roads transponder payment was not initiated on XX/XX/XXXX. The first violation notice I received was a Collections Notice from XXXX XXXX XXXX, XXXX " XXXX '' in XXXX XXXX. ( Doing business at the time as XXXX XXXX XXXX XXXX XXXX - phone number is the same for both companies XXXX. ) On XX/XX/XXXX I spoke to a representative that instructed me to send in the supporting documents of my active account in good standing with the previously submitted information of XX/XX/XXXX.  Nearly two ( 2 ) years later, I received a new collections notice from XXXX ( dated XX/XX/XXXX ) for the same incident. I responded with a letter and copies of previously submitted supporting documents on XX/XX/XXXX. XXXX responded with a letter dated XX/XX/XXXX for additional information. I responded with the additional information and copies of previously submitted correspondence on XX/XX/XXXX. XXXX responded yet again with a letter request ( dated XX/XX/XXXX ) for additional information erroneous to the situation at hand. On XX/XX/XXXX I spoke to helpful representatives that escalated the call to a Supervisor. Finally, no Supervisor came on the phone, but a message from Supervisor XXXX follows : " The rental car needs to be linked to the Toll Roads account. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Complaint:
I hereby dispute the current payment status and remark comment associated with my credit report for XXXX XXXX for a Credit Limit of {$9000.00}. The remark comment indicates " Payment after charge off/collection, '' and I believe that this information is inaccurate and does not reflect the true status of this account. 


The extended duration of the inaccuracies in my Payment History for Current Payment Status and Remark comment serves as evidence that the credit reporting agency and the furnisher knowingly and recklessly violated the FCRA. 


I would like to clarify the following points : Payment History : Contrary to the remark comment, I want to emphasize that I have not made any payments on this account after it was Charged off or sent to Collections. Therefore, it is inaccurate to suggest that there have been any payments made in this regard to support a Current Payment Status as Charged off or sent to Collections.

Current Status : While this account may have had a Charge-off or Collection status in the past, it is essential to note that it has been resolved, and there is no outstanding balance or active Collection effort related to this account. This would make the Payment History for Current Payment Status and Remarks being reported as Charged off or sent to Collections inaccurate and false. 


Considering this information, I demand that my credit report be updated to report only accurate account information in regard to my Payment History for Current Payment Status and Remark comment. I respectfully request that you immediately investigate and rectify the Current Payment Status and Remark comment associated with this account. It is crucial that my credit report accurately reflects the status of my financial obligations, and the current Remark comment is not only misleading but is not being accurately reported as required by law and is detrimental to my creditworthiness. 


In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2, I exercise my right to dispute any inaccurate information on my credit report. Please conduct a thorough investigation into this matter and provide a written response within 30 days, as required by law, informing me of the results of your investigation and any actions taken. 


Thank you for your prompt attention to this dispute. Failure to properly dispute this information pertaining to the Remark comment will result in a request to the IRS for a review of the missing 1099-C in support of Charge-off tax requirements. I anticipate the correction of the inaccurate current payment status remark comment on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
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: Tower Loan of Mississippi, Inc. (MS)

Complaint:
Tower Loan has pull my credit report without my permission, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and many time before those dates. I dispute it back in XX/XX/XXXX but was unsuccessful. Now it look like they are going to start pulling my credit report on a monthly basic like they did many time before. The last time I apply for credit was on XX/XX/XXXX and it was with XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (OH)

Complaint:
When the COVID19 nonsense started I reached out to my local branch when creditors took payments they said they wouldnt and I was told by my banker that there was no problem getting all my fees refunded but it was a process due to the pandemic and there was no limit on the amount of fees but they had to submit it - well that took soooo long that I got more fees and while they temporarily refunded my fees when I got my stimulus - they took them all back around {$450.00} worth - I want my fees permanently refunded - no temporarily refunded like they did. The local branch is closed still or Id go in.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX Balance : {$180.00}, XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00}, XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2022-10-28
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. (MO)

Complaint:
It has been brought to my attention that the Equifax Credit Bureau is not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im submitting this CFPB Complaint once again to help establish a legal recourse. My information has been exposed in the Equifax data breach. The following inquiries and inaccurate address are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. I have already grew tired of the Credit Bureaus ' stall tactics and their choice of not having the disputed information removed from my Credit File. I am now willing to file a lawsuit against the Equifax Credit Reporting Agency in the event that they still would not remove the disputed items completely from my Credit File. If it is not too much to deal with than facing a lawsuit, please remove the following items removed : XXXX date of inquiry XX/XX/2021  XXXX date of inquiry XXXX/XXXX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

Complaint:
I want to file a complaint on XXXX equifax and XXXX theyre reporting on my credit that I dont recognize nor did I give permission to. There are many inquires and public records that I want remove from

Company response to consumer: Closed with explanation