hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Complaint:
I have two accounts with Bank of America. One account is a checking account ending in XXXX. The other is a savings account ending in XXXX. 


I was the victim of identity theft, and had been unable to access these accounts for many months. I have placed two complaint with this agency, and had to this date not received a response. However, I cant say that they were able to completely lock my XXXX account and I have not been able to get any information at all on anything and they have also been able to tell me invalidate my phone numbers. 

There is at least {$2400.00} worth of outstanding money that the thieves should not have been able to obtain. Apparently they even spoke to Bank of America fraud department and were able to get fraudulently looking. Looking transactions approved as if they were me. 

I would like someone to contact me at their earliest convenience. I would like these charges investigated and the criminals prosecuted.

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 2022-05-19
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. (TX)

Complaint:
in accordance with the fair credit reporting act.the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15 U.S.C 1681 section 602A. 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 furnisg a 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 crime which antedates the report by more than seven years. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
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: EQUIFAX, INC. (CA)

Complaint:
My credit report is showing late payments to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX 's customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

Complaint:
I contacted National Credit Adjusters regarding the alleged XXXX debt they claim I owe demanding validation of the debt pursuant to the fair credit reporting act as well as the fair debt collection act. National Credit Adjusters has refused to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
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: EQUIFAX, INC. (SC)

Complaint:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX  XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXXXXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : -, XXXXXXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

Complaint:
When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$14000.00}. Please send me the results of your investigation within the next 30 days and correct the disputed account from any erroneous reporting of information on my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CL Holdings LLC (OH)

Complaint:
Initial debt with XXXX started in XX/XX/XXXX charged off account. Collection agency started reporting in XX/XX/XXXX. Still attempting to and reporting on a debt that is past the statute of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02
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: ID Analytics, Inc. (TN)

Complaint:
On XX/XX/2022 XXXX XXXX used discriminatory practices against me by denying me extension of my own credit. XXXX XXXX  was informed via email that it's unlawful to deny someone extension of their credit and that the Equal Credit Opportunity Act prohibits discrimination in denying the original creditor known also known as the consumer their own credit. Employees of XXXX monetized by securitizing the the application. 

Pursuant to 15 usc 1691-scope of prohibition ( 3 ) it shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicant 's income derives from any public assistance program ; or ( 3 ) because the applicants in good faith exercised any right under this chapter. 

XXXX did not provide the opt out disclosure for the original creditor/consumer not to have any information reported to the consumer reporting agencies who are Nonaffliated third party pursuant to 15 usc 6803 which violated Gramm-Leach-Bliley Act. 

Employees of XXXX refused to admit that the application did in fact generate profit which is extortion. Congress says that credit is the right granted, this means a denial is discriminating against the original creditor/consumer. Under the credit reporting act 15 usc 1681a definition section ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. Monetary fees are payments. The financial institution and the consumer reporting agencies are conspiring against any Man and/or Woman ( the creation of the Creator ) to extort that Man or Woman out of an extension of credit. 

XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX and Sage StreamXXXXXXXX XXXX XXXXXXXX gets paid to furnish information on the Original Creditor. When Financial Institutions pay to report information that constitutes a breach of fiduciary duty. This means that Congress is well aware that a system was built to access credit and found a way to trick you into paying them every month. There's no such thing as late payments and I have no contract with any of these consumer reporting agencies to furnish non public information on or about me which is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Golden State Collections LLC (CA)

Complaint:
This was a medical bill should have been billed to medical insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
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. (TN)

Complaint:
I sent a letter out on XX/XX/2022 to XXXX, Equifax, and XXXX. However, its been more than 30 days and the credit bureau failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. Code 1681i Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
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. (WA)

Complaint:
During the week of XX/XX/XXXX, I reached a settlement on the two credit card accounts I have with XXXX. On XX/XX/XXXX, I paid off both credit card accounts with XXXX for the settlement amounts, ending in XXXX for {$560.00} and XXXX for {$4400.00}. XXXX has reflected the payments I made to the 3 credit bureaus Experian, XXXX, and XXXX, but refused to report the accounts paid in full and the remaining balance is posted as due and owing. I contacted XXXX on multiple occasions and was told I would be receiving a fax, which never occurred. On the most recent call, I was told the fax would take 10 days from XX/XX/XXXX which is an unreasonable length of time ( over 21 days since payoff, if it is ever sent ). I have previously exhausted the dispute process with the credit bureaus and since no letter was provided by XXXX I am unable to provide written proof of the settlement. Verbally, XXXX acknowledges a settlement was reached and the account was paid. However, they refuse to simply put it in writing on a brief document and provide it to the consumer, and have not updated the accounts as settled with the three credit bureaus. They state it will take 2 or 3 MONTHS to report the settlement! I feel XXXX is intentionally delaying since they have received their payments, and this is unfair to the consumer. I paid promptly upon settlement, XXXX needs to demonstrate the settlement promptly in writing and with the three credit bureaus. I have attached a copy of my triple bureau credit report which reflects the XXXX accounts that are incorrectly reported.

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 2017-09-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TENET HEALTHCARE CORPORATION (GA)

Complaint:
For two years I have attempted to reach the company known as central financial control which is reporting on my credit report as Syndicated Office Systems. I have attempted on numerous occasions to request validation of such accusations showing on my credit reports 4 different times from this company. According to my credit report {$750.00}, {$500.00}, {$590.00}, {$200.00}, {$1600.00} is showing placed on my credit report from 2012. I have called XXXX and spoke with several agents who couldnt give me any info other than, I OWE this debt. Practically how does syndicated office systems have the right to collect on a medical debt from Florida. I never received info if this company is licensed to do so. I feel my rights have been violated because upon looking on my credit reports the accounts may have been been re-aged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Complaint:
These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done may attempts to reach out to 3 Credit Bureaus but the failed to give me any results or feedback 's about this concern. Please investigate and remove it from my personal credit file. Thank you. INQUIRIES : 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, U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C. (NY)

Complaint:
i was just looking at my credit report and i was a collections from XXXX XXXX XXXX for the sum of XXXX for a account i do not know about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Product: Credit reporting 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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX XXXX XXXX Balance : {$990.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX XXXX XXXXXXXX Balance : {$990.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXXXXXX Balance : {$990.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX 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 2023-01-22
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. (OH)

Complaint:
I sent a complaint asking XXXX, XXXX, and Equifax to investigate my accounts. Her is the complaint ID XXXX, XXXX, XXXX. These consumer reporting agencies are in violation. 

According to XXXX XXXX XXXX - XXXX, XXXX, and Equifax have 30 days to investigate and send me results. 

And they also didn't even record the current status of the disputed information which is another violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
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. (AL)

Complaint:
All three bureaus are incorrectly reporting my credit card balances and its hurting my score drastically

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 2022-03-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Complaint:
On XXXX, I XXXX XXXX XXXX the consumer, notified TRANSUNION, XXXX, & XXXX ( The CRAs or Credit Reporting Agencies ) that Im a victim of identity theft. I have proof and evidence the CRAs received my communication. The CRAs are willfully reporting unvalidated unauthorized items on my consumer report. The person furnishing this misleading information has no permissible purpose to do so. The CRAs failed to block the information I filed with the FTC and sent me correspondence stating the information inside of my identity theft report has been investigated and proven to be accurate, verifiable and will continue to report as such. Pursuant to 15 USC 1681d ( b ) Im requesting the nature and scope of the investigation the CRAs used to verify this information. Pursuant to 15 USC 1681i ( A ) ( 6 ) ( B ) Im requesting a DESCRIPTION of the procedure used to determine the accuracy and completeness of the information. This shall be provided to me by TRANSUNION, XXXX, & XXXX. Ive already contacted the furnishers of the fraudulent reporting. All furnishers have failed to provide the validation of the alleged debts being reported on my consumer report. The furnishers will face litigation for failing to delete the information Im clearly and conspicuously stating is fraud. Im NOT requesting the business name, address, telephone number of the furnishers because I already have that information. Im requesting the scope of investigation and the DESCRIPTION of the procedure used to verify this information. The CRAs know or should know that they cant use the information inside of I, the consumers file prior to the block request to verify information reported as identity theft. Pursuant to 15 USC 1681c-2 ( c ) ( 3 ) the presence of information in my file prior to the notice of identity theft is not evidence of verification.

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 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCF Intermediate Holdings LLC (MS)

Complaint:
On XX/XX/2022 I had a inquiry to come on my XXXX account that I have any knowledge of. The inquiry comes from a company called cash central. I reached out to the company and they could not find my info anywhere in their system. I have never tried to take a loan out with them and do not have any open installments with them. Someone has accessed my info and tried to take a loan out in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
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: SYNCHRONY FINANCIAL (MD)

Complaint:
There is a hard inquiry on my XXXX credit report that I do not recall nor authorize the below company. Letters ( XX/XX/XXXX and XX/XX/XXXX ) were sent to the company attempting to get this removed. No response! 

Syncb/XXXX XXXX, FL 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