hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2018-07-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC (FL)

Complaint:
This dispute was origianlly filed under XXXX but was closed as a duplicte which it was not and if it had been looked at the difference in account number and balance stated would have been recognised. 

In XXXX my identification was compromised in a breach by a professional service provider business and I believe that my identification was used to obtain services in the years that have followed. After accessing my credit report on XX/XX/XXXX I found an entry reporting as an open account that was unknown to me in the amount of {$410.00}. I disputed this with the bureaus and as a violation of the FCRA and FDCPA and I requested in writing full validation under the Violation of the Fair Reporting Act from XXXX XXXX XXXX with the account number XXXX who were reporting for their client XXXX XXXX XXXX. See attached XXXX XXXX report number : XXXX dated XX/XX/XXXX. On XX/XX/XXXX I had a telephone conversation with an agent of the collection agent who is reporting the account # XXXX to XXXX XXXX. I was advised that the unknown account was validated and I request to know who validated this account as mine. I was also advised by the agent that the total reported as past due on this account was {$410.00} and opened XX/XX/XXXX. I am appalled that my statements and requests have fell upon dead ears therefore, I challenge the accuracy, compliance and reputability of this listing. I require that XXXX XXXX XXXX  validate this information they are reporting against me and provide me with copies of documentation associated with this account, bearing my signature and my image. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful records of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO HARRIS BANK NATIONAL ASSOCIATION (CA)

Complaint:
On XX/XX/2023 there were two fraudulent charges on my card. One for {$51.00} showing XXXX and one for {$300.00} showing XXXX. I received a text message from my bank asking if the XXXX charge was me and I replied no. I called the bank and told them neither of those charges were mine and asked to cancel my debit card. I also asked to stop payment and refund the cash bug they told me I needed to wait until it was processed then reach out again. I reached out and was able to get the {$51.00} refunded but the {$300.00} XXXX charge has been more difficult. When I first reached out they asked me if I had a XXXX account and I said yes I do but my card isnt linked to it. This charge isnt on my XXXX account. they said they understood, I get an email a few weeks later and theyre asking me to reach out to XXXX for my money but XXXX couldnt help. At that point I didnt have my card anymore and I have no idea what XXXX account was used when they charged me. Ive been calling and trying to explain to every person who answers at bank of the west and everyone tells me theyre escalating the case or the investigator will reach out to me then I could explain to them big there has been no phone calls or emails. Now I keep hearing that theyre working on it and to call the following week. I call the next week and they tell me the same thing. Seems like every time I call they just tell me to call next week and its been dragging like this for the past month

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 2016-03-07
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (CA)

Complaint:
I was sent a collection notice on a bill that I paid already. Hospital has no record of sending to collections.

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 2023-02-14
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: Experian Information Solutions Inc. (MI)

Complaint:
n 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 explanation
Consumer complaint received 2019-12-22
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 — Was not notified of investigation status or results
Company: SUNRISE CREDIT SERVICES, INC (FL)

Complaint:
On XX/XX/2019 I submitted a letter as formal complaint that XXXX is reporting inaccurate and incomplete credit information on my Credit Report. 

Collection Creditor : SUNRISE CREDIT SERVICES Collection Amount : {$1300.00} Original creditor name : XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information )

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 2023-01-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (IN)

Complaint:
Consumer complaint : Credit acceptance has acquired full rights title interest on a vehicle that I've purchased. They're operating fraudulently and they know it. 
Facts : On or about XX/XX/XXXX I purchased a vehicle from credit acceptance. I've entered into this contract without full disclosure. Credit acceptance knowing and willingly took advantage of me and my consumer credit. I was given false and deceptive information. I was told that a downpayment of { {$1600.00} } was needed in order for me to drive off the lot. Credit acceptance, failed to clearly and conspicuously disclose to me that a Finance charge, WAS the SUM OF ALL CHARGES, and never informed me of my RIGHT to include my insurance into the finance charge. I was never given notices that comes along with consumer credit transactions. I was never informed of my right to rescind either, full disclosure of my right to rescind. 2 ). Transparency regarding the process of the consumer credit transaction/application being the financial asset. 12 CFR 360.6 ( 2 ) as well as self liquidating paper, 17 CFR260.11b, False and deceptive information 15 USC 1692e and 15 USC 1605 and 15 USC 1635 ( a ) and 15 USC 1611 ( 1 ) ( 3 ). Due to the facts of said violations affiant rescinds the contract with Credit acceptance, which was sent via certified mail with return receipt. Credit acceptance is knowingly damaging my reputation thus, has caused me extreme emotional distress and placed me in a state of poverty, fear, and uncertainty of the financing system. I have wanted to buy a home but I am unable due to the negligence of Credit Acceptance and their reporting 's on my consumer report, which I have never given written consent for them to do so. 

Credit Acceptance has been deceptive in their dealings. Under Law they are required to report any and all indebtedness exceeding {$600.00} and issue a 1099C. On or about 12/11/2022, I contacted the IRS to ensure my 1099C was issued. No such form existed for me. Under U.S Code 26 CFR 1.6050P-1 ( i ) and the reference guide used that describes the detail of the 1099c : A. ( Bankruptcy ) B. ( Other Judicial Debt Relief ) C. ( Statute of Limitation or Expiration of Deficiency ) D. ( Foreclosure Election ) E. ( Debt Relief From Probate or Similar Proceeding ) F. ( By Agreement ) G. ( Decision or Policy to discontinue Collection ) triggered the issuance of a 1099C.

Credit acceptance has violated the TILA act and taken advantage of me is an understatement. They have caused great harm and grief to me and taken advantage of the law. Credit Acceptance has also failed to provide the original contract in its entirety.

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 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Complaint:
On XX/XX/2020 I spoke with a manager concerning my account and per our conservation there ae some inaccuracies with what they have reported and what is being shown. Please see the attached inaccuracies as opposed to what XXXX  and Transunion are reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
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. (FL)

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my XXXX XXXX : XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (NY)

Complaint:
I have received an updated letter from XXXX XXXX XXXX in regard to the Synchrony Bank/Paypal account , with an updated balance. Previously I have been disputing the amount of the interest that was reflected on the collection notices without explanation or any statements provided. This interest had been added after the account was charged off, the dispute lasted over 6 months and I have not involved CFPB. During the dispute, Synchrony Bank/Paypal and XXXX cashed half of the checks that I kept sending every month and the other half was not cashed. 
However, XXXX and Synchrony Bank/Paypal in the updated letter increased the balance owed. 
After almost a year of complaints and disputes, the interest of {$400.00} that was charged illegally has finally been removed from the balance owed. 
Now they are showing that the amount paid off to this date is slightly over {$500.00}, how is it possible if their own statement from XX/XX/22 a year back showed a balance paid to date of {$780.00}? Yes, back then it was also showing an interest of {$400.00} as a part of the amount owed and that was reflected in the higher amount owed. Now, after the interest was removed and I made payments along the time they reviewed the dispute, the balance owed decreased drastically. But, no!!! 
I have copies of the cashed checks by Paypal/Synchrony Bank for XX/XX/22, XX/XX/22,XX/XX/22,XX/XX/22,XX/XX/22 all in the amount of {$50.00} which totals {$250.00}, I also mailed 4 other checks but during the previous dispute they were never cashed and I had to stop payment on them. Using the following numbers of the previous statements provided, if the balance owed is {$2500.00} and interest of {$400.00} is taken away, it would make the amount owed {$2100.00} then minus the cashed checks listed above in the amount of {$250.00}, it should bring the amount presently owed to {$1800.00}. It seems they are trying to remove the disputed interest, which they can't explain, from the statement visually but quietly adding it to the amount owed on purpose to collect more. Isn't it a violation of the FDCPA? Please I have reached out multiple times offering to settle this debt, but neither XXXX nor Synchrony Bank/Paypal are cooperative, and there is always that is done to increase the amount owed, missing payments, an interest without proper explanation or statements provided showing how it was calculated, inaccuracies that when I am trying to bring them to their attention or asking to review takes months or responded in formal, ordinary letters saying that no error was found which is exhausting and simply disrespectful, unfair and harassing.

Company response to consumer: In progress
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Complaint:
Transunion are reporting incorrect information on my credit report. I have requested for them to submit evidence and they haven't yet. They are stating my account with XXXX XXXX acct # XXXX. They are stating that this account 30 days late on XX/XX/22 in the amount of {$320.00}. XXXX has removed this incorrect information because they weren't able to support evidence.

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 2017-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (IL)

Complaint:
On   XXXX   XXXX   XXXX    ,  US Bank  allowed {$9200.00} to be fraudulently stolen from my checking account via  XXXX  counter withdrawals in another state ( {$5200.00} in  XXXX , WI and {$4000.00} in  XXXX , WI  ) in  wh at may have  been an inside job. We believe a bank employee turned off my fraud alert that should have contacted me when the account dropped below {$10000.00} and then they did not follow their own policy for sign off on a large counter transactio n ( the branch manager confirmed this in the   XXXX   police report ). They refused to provide access to any  video surveillance, lied to the police that they did not have any footage, as conveniently their system was being switched over during that same time. Additionally, they claim none of the individuals work there any more. They did not follow proper procedure to keep my money safe, were negligent at best and complicit at worst. They are hiding behind a 30 day window to avoid returning the funds that were stolen. I was never notified or contacted in any way about the large amount of money ( despite having fraud alerts in place ), and only discovered it myself through a routine evaluation of my finances. The signatures for the withdrawals clearly do not match my signature on file. I was at work  XXXX  medical students in my home state of Illinois during the thefts from my account. All they would need to do is to look at the tapes of the theft to know who is involved, which they refuse to do.

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 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Complaint:
I have noticed that there are negative reporting accounts on my credit report. These accounts are incorrect and are stopping me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
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: WELLS FARGO & COMPANY (NC)

Complaint:
Several fraudulent charges were made to my credit card. Wells Fargo contacted me because they noticed it. They did not pay for the charges ( small XXXX and XXXX charges ). They issued me a new credit card. This is all in XX/XX/2022. Then I saw XXXX of the fraudulent charges back on my new account. I contacted them and they said they received 'proof ' from XXXX and I asked for them to send that to me. When I received the tracking number I went to the post office and they gave me the address of where the XXXX business routers were delivered - this is not my address. I call Wells Fargo and they add this to my 'notes '. Unfortunately through all of this I really wonder who added notes and who didn't do a thing. They all read from the same script when talking to me. I have been to Wells Fargo branches and they are unable to help. I filed a police report. When I received the 'proof ' - it was NOT my email address or my XXXX account that was used and I then called back and provided them with this information. I also looked into IP addresses and this one was not mine. 
I did not make this purchase and I am not responsible for the XXXX charge and the interest charges. 
I have spoken to multiple people on the phone and via email. I have had to take time off of work to deal with this and this has caused me a great deal of stress and anxiety. 
I am incredibly distraught and upset and I do not owe Wells Fargo this 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 monetary relief
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2018-10-28
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. (AP)

Complaint:
I have disputed the late payment XXXX XXXX XXXX for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX/XXXX  XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX and 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 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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 an 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 explanation
Consumer complaint received 2020-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (NJ)

Complaint:
Can't connect my PNC account to my XXXX XXXX account, even though PNC sends me a message saying my account was connected.

Company response to consumer: Closed with explanation