hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-04-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Complaint:
i SEND A LETTER TO TRANSUNION ON XX/XX/2020 AND THEY ARE USING TACTICS, DONT WONT TO VERIFY THE DISPUTES SAYING THAT THE LETTER CAME FROM A CREDIT REPAIR COMPANY WHICH IS NOT TRUE.THIS HOAX NEED TO BE STOPPED AND CONTINUE WITH THE PROCESS OF VALIDATING MY REPORT

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 2023-09-12
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. (CA)

Complaint:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$7000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXXXXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$7000.00} XXXXXXXX XXXX XXXX Balance : {$36000.00}

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 non-monetary relief
Consumer complaint received 2022-05-31
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. (IL)

Complaint:
please see attached document

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 2017-11-17
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. (MO)

Complaint:
I am filing this complaint due to no course of action being taken by the following XXXX, XXXX, and TransUnion. These accounts do not belong to me. These accounts are fraudulent. I have filed a complaint multiple times and have not been formally notified to a resolution to the accounts listed below. I am requesting that these accounts be removed from all three reports immediately. If these accounts are n't removed in a timely manor I will take further action against the credit reporting agencies. 

XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Account Account Status : Closed Monthly Payment : Date Opened : XXXX/XXXX/XXXX Balance : {$1200.00} Terms : High Balance : Limit : Past Due : Payment Status : Unpaid XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Account Status : Closed Monthly Payment : {$340.00} Date Opened : XXXX/XXXX/XXXX Balance : {$8400.00} Terms : 64 Months High Balance : {$6900.00} Limit : Past Due : {$8000.00} {$8000.00} Payment Status : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Note Loan Account Status : Closed Monthly Payment : {$63.00} Date Opened : XXXX/XXXX/XXXX Balance : {$560.00} Terms : 9 Months High Balance : {$560.00} Limit : Past Due : {$700.00} Payment Status : Charge-off I also, noticed that the last payments have not been deleted on my student loans. I am also, going to file a formal complaint if this is not handled appropriately. 
XXXX XXXX XXXX OF XXXX, XXXX XXXX XXXX OF XXXX, and 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 2021-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Complaint:
My name is XXXX XXXX I have a credit card with Capital one. My last payment of credit card was in XX/XX/. I received a judgement for {$1500.00} dollars on XXXX XXXX thorough XXXX County Texas. I had not received any letters or calls prior too this judgement. Not even one voicemail or email. Including letters. I am unemployed. Over a XX/XX/XXXX dollar with no attempt of trying to even reach out is discriminatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
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. (FL)

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30
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. (AR)

Complaint:
As I decided to purchase a jet ski for summer fun my salesman told me that in order to get it financed I had to get my credit report pulled. He pulled my credit report and I was in deep shock on all the items listed on my report that did not correspond to me. Could you please remove those items from my report. 

XXXX XXXX XXXX  XXXX {$950.00} XXXX/XXXX  XXXX {$150.00} XXXX XXXX XXXX XXXX/XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX XXXX {$3900.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Complaint:
I reviewed my XXXX credit reoport on XXXX XXXX, XXXX. Their was " Charged-off " account from XXXX XXXX in the amount of {$1700.00}. I wrote to XXXX to provide me with information regarding the balance and supporting documentation. I sent them a letter via certified mail on XX/XX/XXXX. I never received any communication from them. In XX/XX/XXXX I reviewed all three ( 3 ) credit reporting agencies and the " Charged-Off '' account had been removed from all three ( 3 ) bureaus. 

I reviewed my credit file again in XX/XX/XXXX and noticed a collection place on all three ( 3 ) credit reporting agencies from a " Portfolio Recovery Associates , LLC '' with an open account date of XX/XX/XXXX. I do not know who this is and why they would place a " Collection '' account on my credit file. I had already contacted the original creditor and settled this matter with them directly!

I also noted that they had violated the new FDCPA law implemented on XX/XX/XXXX, dealing with Regulation F. They are suppose the make contact with a consumer before they are allowed to place a collection on a person 's credit file. They did not, nor have they spoken with me regarding this matter. 

The original creditor had removed this debt off of my credit reports back in XX/XX/XXXX. Why is this Portfolio Recovery not abiding by the Consumer laws that are implemented?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
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. (NC)

Complaint:
This inquiry does not belong to me and is inaccurate. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX did not authorize my consent to pull my credit profile.These inquiries are fraudulent i I would like them removed immediately

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 2020-07-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

Complaint:
I am having a issue with the Branch Manager ( XXXX ) that sent my account to the Fraud Department and closed my account without any explanation. I was questioned about my XXXX XXXX Loan for that was approved and funding by the SBA. I was only able to access a small portion of my loan funds and then my account was froze for no reason. My account # XXXX. I feel they are being XXXX and biased. I have never been treating like a criminal like this ever before in my life. My loan was approved and the funds were sent to the account without any issues. So how is it Chase can steall my money that I have to pay back on this SBA Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (NY)

Complaint:
The credit card has been closed since XX/XX/XXXX. The remaining balance has been paid. This closed account has remained on my account for almost 10 years. Its been paid in full since XXXX. Ive experienced several hardships from the time the account was open until the account was closed. Ive requested to have it removed as there no longer is a balance and it is hurting my report. During the time the account fell delinquent I was unemployed and also facing other hardships so I was unable to make payments to this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
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: LEXISNEXIS (FL)

Complaint:
I XXXX XXXX gave full permission and also include my id on this complaint XXXX Consumer Fraud Division XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, CA XXXX RE : My Credit Report Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX Enclosed are the following : x A copy of my credit report I received from your company. The fraudulent items are circled. 
x A copy of my Identity Theft Report and proof of my identity.

x A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

Sincerely, Your Name Enclosures : Copy of Credit Report Identity Theft Report Proof of Identity FCRA 605B, 15 U.S.C. 1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Garcadia Financial LLC (AZ)

Complaint:
For years, Foursight Capital ( sp? ) has harassed me with phone calls to collect a debt on people that previously had my phone number, but have not had this number since 2016 or so. After numerous attempts to have them update their files and remove me from their call lists, I have given up, and will no longer talk with them. As a senior citizen, I resent their invasion of my innocent privacy, and their recalcitrant insistence on thinking that I will pay a debt that I do not owe. They will never get a penny from me, but I do look foreword to seeing them in court, and receiving damages from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

Complaint:
Attached is my id, please remove any and all names and addresses on my credit files inwhich do not match my attached id

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Complaint:
Experian is choosing not to update my credit balance with XXXX XXXX. They are leaving the balance on my account as {$4100.00} which is not true. I reached out to XXXX XXXX  and they provided me with a {$0.00} balance letter to give to the credit reporting agencies. Experian is dismissivie of the documentation that I have provided to them. 

It is clear as day that Experian did not attempt to contact XXXX XXXX nor XXXX XXXX. To further support the previous statement, XXXX XXXX  provided me with a {$0.00} balance letter. So, XXXX XXXX is not the problem. I have never had a problem with them. It is the tactics of Experian which is the problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
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: EQUIFAX, INC. (TX)

Complaint:
Equifax and XXXX are reporting incorrect information regarding an outstanding balance due on XXXX - account number XXXX. This account does not belong to me. I have contacted all 3 bureaus and XXXX has removed this item from my credit report, however Equifax and XXXX have not removed this item. This inaccurate reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Complaint:
I am writing to express my deep dissatisfaction with the re-investigation conducted by your agency regarding the multiple errors present on my consumer report. Despite my previous dispute and your subsequent reassurances of rectifying the inaccuracies, I regret to inform you that the report continues to contain several unresolved errors. Your negligence and willful non-compliance have had a detrimental impact on my creditworthiness and financial well-being. 

Account Name- XXXX  XXXX Account Number- XXXX Obvious Inaccuracies - PAYMENT HISTORY INACCURATE - REPORTED AS CHARGE-OFF NOW COLLECTION

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 2023-05-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (CO)

Complaint:
Was in a dispute with apartment about move out amount, then they moved it to collections during dispute and they said they couldnt do anything and to talk to collections. Then I disputed with collection agency within 1 month and mailed letter with all the backup of pictures and emails from apartment I had on XX/XX/XXXX express 1 day with requested signature. They kept saying they didnt have it and I showed with USPS was delivered but decline to sign. I sent another package with backup in the mail on XX/XX/XXXX since she kept saying she never received. We have called twice in XXXX with voicemails to call back with no luck. I then called in XXXX to try to get ahold of someone other than who has our account to get this resolved and no one was helpful and it was getting frustrating that they weren't helping. They called us XX/XX/XXXX now saying they received our dispute letter but declined it and never notified and were finding out 5 months later. They said decline cause they reached out to Apt and they said the pictures they sent me of the move out backup and why we are getting charged is of another unit even though it includes out door with our apt number on it. We requested to talk to a supervisor multiple times and she said call back when we are willing to work out the debt. She also lied and said she called us twice in XXXX but she used the dates that we called and said she called which was a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (FL)

Complaint:
JPMCB INC After reviewing my credit report i have noted some discrepancy this is not my debt I should not be help liable this is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Complaint:
This is a second request to Bank of America, N.A. but this time to XXXX XXXX XXXX XXXX XXXX XXXX XXXX has failed to answered my requests ). I've sent 2 letters in regard to Tax Forms I need to file my taxes. 

Note to CFPB : This is not a duplicate request. This is another set of Tax Forms I need.

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 2022-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2021-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (AL)

Complaint:
My American Express Blue Cash card was offering a promotion for 8 % back on purchases made by using a special link for to XXXX XXXX website. The offer is good through XX/XX/XXXX On XX/XX/XXXX, I made 5 separate purchases using the link provided by AMEX ( XXXXXXXX ), totaling {$950.00}. A couple weeks later, I checked my account for the accrual of the 8 % in rewards and it had shown that I only earned 1 % instead of the 8 %. I called to advise their CS team that I had not been credited properly. They forwarded the complaint to their tech team which then responded by saying I did not use the correct link and therefore my purchases were not eligible. I didn't think that was true, but let it go at that. 

However, on XX/XX/XXXX, I decided to try it again with another purchase ( 1 transaction totaling {$490.00} ) and this time I was absolutely meticulous about using the correct promotional link and staying on the website all the way though to checkout and purchase. A couple weeks later I checked my account, and again only earned 1 % instead of 8 %. 

Another call into CS led to the same response from their tech team, which was that I ( again ) didn't use the correct link and my purchase was ineligible. I explained that this was unacceptable and I was then given contact info to complain to their executive office.

Today I was contacted by Ms XXXX from their " XXXX '', who told me the exact same thing, that their tech team investigated and said the " wrong link '' was used. She even mentioned she was familiar with this promotion and that her husband had used it. I pressed her by asking if she would check her husband 's account to see if he actually earned the 8 % in promotional rewards and she responded with a condescending chuckle and said she would not do that. I asked her to check anyone else 's account and she refused. She would not entertain the possibility that there might be a technical glitch that was preventing me from earning the promotion and kept repeating that the tech team investigated and found the promotional link was NOT used. She then said there was nothing that could be done and ended the conversation. 

I have been an AMEX cardholder for 21 years and my profession lies within the tech industry so I am closely acquainted with how these systems work and how complex they are. I know also when I'm being given the " run-around '' when someone doesn't want to do any digging or true investigative work. I believe there is a systemic problem with the redemption of this promotion and that it is not applying correctly.

Company response to consumer: Closed with explanation