hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-06-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

Complaint:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing XXXX XXXX XXXX XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

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 2021-11-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Control, LLC (NJ)

Complaint:
We have a message from credit control LLC this is a call from a debt collector please call XXXX I have received repeated calls from this unscrupulous company. I know what my debt is and I dont owe anyone any money.

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 2018-12-05
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. (UT)

Complaint:
On XX/XX/2018 Equifax ran a 'hard inquiry ' of my credit without my knowledge approval or authorization. The inquiry was from XXXX XXXX  ( XXXX XXXX XXXX ). I have spent hours on the phone with both Equifax and XXXX XXXX to no avail. Equifax states it is not their problem and that XXXX XXXX must request to remove the inquiry. I have filed a complaint with XXXX XXXX but I am doubtful it will be handled in the correct manner. Equifax says my address is incorrect instead of XXXX XXXX, Utah ( XXXX ), where I have lived for over two years, they show XXXX XXXX XXXX, Utah with a different zip code.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Complaint:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 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 explanation
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAINE & WEINER COMPANY, INC. (CA)

Complaint:
CAINE & WEINER Collection Agency is deceptively and fraudulently using abusive reporting practices by reporting an already disputed AND deleted/removed account to my credit bureau again. Account # XXXX. 
Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX This collection agency is using intimidation, fraud, abusive tactics, and harassment by repeatedly reporting an account that is false and has already been disputed and removed from XXXX. They have now reported to XXXX  to intimidate me and cause harm to my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK (IN)

Complaint:
Discover Card called Mom to ask for an over the phone payment of {$5.00}. 
1. They provided her the FULL account number to her non-Discover checking account.

2. They asked her to verify information about herself. 3. They pressured her to make a payment over the phone for a 30-day balance. 

We called Discover Card the next day to ask the following. 
1. They remove her ACH Banking Information from their records.

2. They not call her to ask for payment information over the phone.

They said that they were unable to remove her personal information regarding her checking account from their records. To our knowledge, this information was never provided and Mom did not authorize ACH debits from her account.

This is further proven by the checking account in question being less than 6 months old. 
To resolve the matter and prevent further fraud, we closed the Discover Card account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Complaint:
Two Bank of America credit cards were applied for in my name by an unknown person. They denied the first one when I told them it was fraud, but approved a second application 11 days later. They have since closed both accounts. These incidents occurred on XX/XX/22 and XX/XX/22.

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 2023-04-04
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. (CA)

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. Please delete the account : XXXX XXXXXXXX Date Opened : XX/XX/ Balance : {$720.00}

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 2022-08-20
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. (TX)

Complaint:
I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions unknowingly authorized. There are variation of companies name, account numbers are incomplete, variations of balances. If there are 36 entries on my consumer credit file combine with all three of the major consumer reporting agencies which are Equifax XXXX and XXXX XXXX. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include Equifax XXXX and XXXX XXXX all three agencies have had data breaches. Within the last 60 days some of these transactions have appeared on my credit file. On XX/XX/2022 my credit score has plummeted over XXXX points. SEE ATTACHMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (MN)

Complaint:
On XXXX Huntington bank reversed a provisional credit amount of XXXX The amount was part of a disputed charge from XXXX who committed fraud when they debited my account without authorization. Huntington back then reversed the credit they gave me saying that I had a contract with XXXX to be able to debit my account for any past due balance. Well you have to have a contract with XXXX to have their service but as I explained to Huntington Bank that does not give them the authority to debit my account whenever they feel like it for whatever they want. This was an unauthorized charge from XXXX and Huntington Bank allowed them to commit fraud on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
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: EQUIFAX, INC. (GA)

Complaint:
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 account furnish a account without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
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. (CA)

Complaint:
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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2022-05-30
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: EQUIFAX, INC. (NC)

Complaint:
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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account Name : XXXX XXXX XXXX Account Number:XXXXPlease investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXX Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Account Name : XXXX Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Complaint:
Three adverse action letters sent on XX/XX/2023 and were delivered on XX/XX/2023 stating " We are closing this account because activity on this or another account is not consistent with our expectations for account usage and violates the Capital One Customer Agreement '' The only different activity on the account was exercising the right to use the Bill of Exchange Act. There was no other change in account usage. 
There were no wrong usage of the account nor any violations made. 
The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. 

The closing of the three accounts were discrimination from exercising rights in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
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: Kikoff Inc. (MA)

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft 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 non-monetary relief
Consumer complaint received 2020-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
I am a victim of identity theft

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 2017-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stuart-Lippman and Associates, Inc (CT)

Complaint:
My name is XXXX XXXX and my life has been turned upside down by Stuart Lippman and Associates. This collection agency is bottom of the barrel and will go to any step to XXXX you off to try to get paid monies that arent even owed. 



Approximately almost two years ago I saw something pop up on my credit report from Stuart Lippman and I contacted them to show me proof of what I could possibly owe them. I am very diligent when it comes to my credit, so I was shocked to see a blemish on my report. Stuart has not been able to come up with ANY information showing that I owe them anything. The only thing that they sent me was an independent contractor agreement and an XXXX document with a name of XXXX XXXX, and I have no idea who this person is. They have no proof of anything owed in my name and refuse to stop the collection process. This company robo dials me all hours of the day and has been harassing me nonstop. 



After pain staking work, I was able to get the account off my credit via each of the 3 bureaus and I thought all this was behind me. However, recently I saw that they changed the account number and double the amount they are collecting and have put it back on all 3 bureaus without my knowledge or consent. Needless to say, I hit the roof as you could imagine as this slimy no good collection agency should be shut down for ruining peoples lives when they have no proof and are operating above the law. 



In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( ii ), you are required to notify me with the reinsertion in writing within 5 business days. ( B ) Requirements relating to the reinsertion of previously deleted material ( ii ) Notice to consumer if any information has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no later than 5 business days after the reinsertion or if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notifications and they have no proof to show notification. This is a HUGE VIOLATION of the FCRA and I reserve the right to pursue legal action for their blatant and outright disregard for the law. 



This company thinks that they can operate above the law and as I see with the hundreds of complaints about this company, something needs to be done to shut them down and make they operate lawfully. They use scare tactics, robo dialers and hire unethical dangerous thugs to try to collect money that isnt owed. Please have Stuart Lippman remove the account they have on file for XXXX XXXX from all credit agencies immediately. Thanks in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

Complaint:
USAA charged me {$240.00} on XX/XX/2021 for accessing my own money, contrary to what i was told by USAA Representative that it was my money and i could access it anyway without any USAA fees or charges. 
And on XX/XX/2021 USAA charged me XXXX cents for interest. 
Where is the balance that i owe? that i am being charged interest on?? 
For years and years, I always pay off my FULL balance, long before the due date. 
There is obviously glitches on USAA 's systems! 
Where there is no money borrow or loan or advanced or even outstanding, why am I being charged interest??? 
Why the XXXX, am i being charged fees and now interest on my very own money???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp (CA)

Complaint:
XXXX XXXX in XXXX, CA was supposed to be doing a student loan forgiveness program. XXXX XXXX XXXX is the representative that handle everything. She gave me the name of Equitable Acceptance to make my payments to. The initial payment was {$150.00} and the remainder was {$49.00} for 33 months for total loan forgiveness and removal from my credit report. Equitable Acceptance showed up on my credit report as a loan of {$1200.00}. I called Equitable Acceptance at XXXX, which is the number given to me by XXXX XXXX and that is not a good number. My loan was consolidated and is now with XXXX Department of Education XXXX XXXX with a payment due to them currently. I did not authorize this and this is also not the agreement that I had with them. My case id with XXXX XXXX is 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 2022-09-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$14000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$14000.00}

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