hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
I did not authorize anyone employed by XXXX XXXX XXXX XXXX OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX  is the only out of 3 agencies that have not put the freeze as requested, that both Transunion and XXXX did, and this in addition to several other inquiries started after the XXXX data breach publicly known. I am a client from XXXX XXXX but this multiple inquiries were not authorized on XX/XX/XXXX and XX/XX/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 2022-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (NV)

Complaint:
I deposited my paycheck on XX/XX/XXXX via an ATM at my bank US Bank. It was for a little over {$3200.00}. They told me that the funds will not be available until XX/XX/XXXX. The account is not new - I opened it just under 6 months ago. The account has over 30k in the account. The payroll check in question cleared my employers payroll account on XX/XX/XXXX. I know this because I work in accounting at my employer and have bank access

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 2023-01-06
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:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an an account without my written instructions under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge 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: AMERICAN EXPRESS COMPANY (IN)

Complaint:
There is a double payment to my XXXX from XXXX XXXX and American Express. I have filed a dispute with AMEX fort {$18000.00} and asked that the double payment be reversed. I have provided documentation showing the payment from XXXX XXXX. I filed this dispute on or about XXXX XXXX, 2017.  Thus far AMEX has done nothing to reverse the charge.

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

Complaint:
This XXXX XXXX  account ( account # XXXX ) is in several violations of my rights. This account is IDENTITY THEFT, 15 U.S. 1681 C-2 states this account HAS to be removed from my credit report in 4 days after receiving my FTC report XXXX and has been well over 4 days since XX/XX/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 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

Complaint:
On ( XXXX  ) I sent a letter regarding inaccurate 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted 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 2022-04-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

Complaint:
My phone was stolen while visiting a XXXX XXXX property. I wasn't able to check balances or anything because I didn't have my phone, and I continued to use the bank card in my posssession, however I did not immediately realize my XXXX XXXX account was hacked. I noticed four unauthorized charges in the amounts of : {$210.00}, {$100.00}, {$300.00}, and {$420.00}. I got my account pretty much drained. I submitted documentation, police reports and have also written to my state senator for assistance. Up to XXXX is suppose to be FDIC insured, and Chime came to a very quick ( 24hr ) decision that no error occured. I was robbed and they refuse to do anything about it because of a lack of manpower, in my opinion. This should not be happening to people who trust Chime with their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge 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: SYNCHRONY FINANCIAL (WI)

Complaint:
Synchrony Bank, XXXX XXXX, XXXX, FL XXXX is as of XX/XX/2018 charging me {$64.00} in late fees and {$2.00} in interest for nonpayment of a disputed charge for {$74.00} bringing the total they claim I owe on my closed account to {$140.00}. The same day I saw the {$74.00} charge ( pending ) I contacted Synchrony Bank to dispute the charge and was advised to contact the merchant. I immediately contacted the merchant and was told I could not have any information on the charge because I was not authorized on the account. I recontacted Synchrony Bank with the results and was told I could do nothing until the charge cleared and then I could dispute the charge so I immediately closed the account and paid all but the disputed charge amount. Once the charge posted I mailed a dispute ; I received a non-favorable decision and called in a second dispute ; I received a second non-favorable decision. The charge in question was made from an account of an ex-roommate that had been an authorized user on my Synchrony Bank credit card but who I had unauthorized when she moved well prior to the disputed charge of {$74.00} and whom I had no contact with to resolve the issue. For this reason I claimed and continue to claim the charge was not authorized ; that I was denied power to stop the processing of the charge by the merchant, claiming I was not authorized on the account, and Synchrony Bank who would not take any action on the pending charge. This is clearly an unauthorized charge and I am being harassed and intimidated with huge late fees to coerce payment.

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 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Complaint:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (GA)

Complaint:
I leased a vehicle through ally in XX/XX/XXXX, and in XX/XX/XXXX I sold the vehicle as a dealer buyout. Fast forward to earlier this year ( XXXX ) I was made aware that there was a balance on the account that I was not unaware of. I decided to do a payment plan for the balance, upon completing the payment plan on XXXX XXXX, they reported my account as late, delinquent and settled, which dropped my credit score more than 100 points. I feel like this was unethical and I was not made aware that this was being report to the credit bureaus, and figured this was just a in house matter. I have had my credit history for then 15 years and I have never in life had a late or Miss payment, this 100+ point deduction on my credit report has been detrimental to me and my future

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 2018-04-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (IN)

Complaint:
XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
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. (VA)

Complaint:
After reviewing my credit report the following credit bureaus are violating my consumer rights. Please delete all accounts reporting negative data to my consumer file and consumer report, credit report in the next 4 days. 

15 USC 1681 ( a ) ( 4 ) rights to privacy 15 USC 1681 ( b ) ( e ) false information 15 USC 1681 ( b ) did not use manner which is fair and equitable to the consumer in reporting negative allegations without written permission 15 usc 1681b ( a ) ( 2 ) need written permission 15 USC 1692 ( f ) A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section 15 USC 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 ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 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. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 
( c ) Attorneys fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. 
( d ) Clarification of willful noncompliance.

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 2021-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (TX)

Complaint:
Comenity credit card closed my XXXX  balance Visa card because I duped not make payments on my student loans which are in deferment due to the pandemic. They refused to accept I am a government employee who has student loans that are NOT in bad standing and refused to provide me a reason why they took this erroneous action. Further a disputed account that was removed was utilized as well when I asked them why if it was disputed I did not receive an answer. I was disconnected several times and representatives were uncaring and calloused in how they responded. I was advised I had no recourse despite the error made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
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: Phoenix Financial Services LLC (TN)

Complaint:
this account is unknown to me, I have no knowledge of the account. I never recieved proof that the account belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
I have disputed information they are reporting to my credit file and they have not honored my request and have responded to me! This information is affecting my credit scores in a negative way and they are violating FCRA regulations!

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 2021-02-22
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:
Transunion failed to remove all hard inquires that were inaccurate/do not belong to me due to fraudulence ; violating FCRA Sec. 1681q. Obtaining information under false pretenses - Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined not more than XXXX XXXX United States Dollars ( {$5000.00} USD ) or imprisoned not more than one year, or both. Also claiming that all inquires are accurate and will remain on my account for no more than 2 years and stated that its required to have a police report and refused to investigate the matter ; For Transunion 's claims on inquiries being accurate without evidence they are in violation of Title 18 U.S Code Section 287. Also, the Affidavits of deletion and removal, that I had notarized and are in their database on file, inquiries that I demand to be deleted/removed are listed below as well as listed in the affidavit. 

Transunion Hard Inquires : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2023-07-17
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Asset Recovery Bureau LLC (OK)

Complaint:
I keep getting emails from " Asset Recovery Bureau LLC '' stating that I owe XXXX XXXX, and now XXXX XXXX XXXX XXXX {$2400.00}. I have no idea what this is for, and quite honestly I am getting irritated from the repeated emails. I even looked up XXXX XXXX XXXX, and their loans aren't even legal in the state of Oklahoma, as this is a tribal lending company. I need the emails to cease immediately. I do not owe this money, nor have I ever done any business with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NY)

Complaint:
In XX/XX/2022 I mail a rent check from my XXXX checking account, the check was stolen, altered and subsequently cashed at XXXX  XXXX XXXX. I received notice that my landlord did not receive my check and when I checked my account it was very clear the check had been altered. I immediately contacted my bank and the post office and created a claim with both. Chase was very difficult to deal with as after numerous attempts by myself, my branch including the branch XXXX and assistant XXXX they informed me they finally had received all the documentation they needed, this process took over 6 months. 
After that Chase now submitted their request for the funds to be returned and then had to submit them 3 times before Chase would confirm to me that XXXX  XXXX XXXX had the documents but also said they could come back for more information. This process is so complicated for something as a consumer I have had to take on by myself, Chase basically said all they could do was ask Bank XXXX XXXX for the funds to be returned but no guarantee that could happen, so if they say no I loose my money. Chase and XXXX  XXXX XXXX are FDIC insured bank and with that and the obvious altered check I should not have to go they this crazy process because the reality is the check should never have been cashed to begin with and then once Chase received the check they should have kicked it back to XXXX  XXXX XXXX immediately and returned the funds to my account. 
I have several accounts with Chase and I feel Chase basically told newtoo bad!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
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. (CA)

Complaint:
XXXX 's failure to positively post an accurate payment history to the 3 Credit bureaus has hurt my ability to obtain credit. I have never been late on my XXXX XXXX credit payment account and my account has been paid in full. 

Under the CARES Act, passed by Congress in 2020, I soughed payment relief from XXXX because I was affected by the pandemic from XX/XX/XXXX to XX/XX/2020. Moreover, I was able to pay my account on time and in full and still XXXX reported my account 30 days late on XX/XX/2020. 

I have been wrongfully denied credit recently due to inaccurate information reporting from XXXX to the 3 Credit Bureaus. XXXX failure to correct inaccurate reporting is a violation of the Federal and California Fair Credit Reporting Acts, among other laws

Company response to consumer: Closed with explanation