hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-12-29
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: DISCOVER BANK (MI)

Complaint:
I noticed that there were charges from XXXX XXXX that were supposed to be refunded as I returned all the products in store, and then they shipped two items which I never received and they were supposed to refund. I showed all my proof showing it was refunded on the site but it never was on my card and they said the charges were right. So Im extremely upset that they never refunded me even though I returned the products and Ive seen countless complaints towards XXXX XXXX about them not actually refunding and now Im out of money because Discover didnt even look at my uploaded documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
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. (TX)

Complaint:
I have accounts that are posting inaccurate Information.

Inquires i did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (CA)

Complaint:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for these companies to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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 (FL)

Complaint:
On XX/XX/XXXX I took my XXXX to XXXX for a diagnostic they did not do so as I have their software and diagnostic tools as they sell it to the public. They didnt test out my XXXX or get the proper estimate they tried to make it a XXXX job when it simply a sensor that their own software was able to detect and my other mechanic was able to fix it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
The XXXX XXXX XXXX is attempting to collect a debt that is 1 ) Possible identity theft and 2 ) Possibly past the statue of limitations for collection.

Transunion also keeps reporting this debt as validated and verified, even though no proof of such has ever been provided by the creditor or the credit reporting agency.

I am now demanding proof proving this debt belongs to me, including proof of my identifying information that connects this debt to me.

I am also demanding proof of the original date of delinquency on this debt. It is believed this debt is over 6 years old, which is past the statue of limitations for collection, which would take away the right of the creditor to collect and report this debt to the CRA 's

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 2020-12-23
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. (NJ)

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX SSN : XXXX | DOB : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX 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. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

Thank You, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
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. (AZ)

Complaint:
My XXXXXXXX XXXX XXXX XXXXXXXX Visa credit card is lost/stolen. The XXXX XXXX XXXX XXXX Visa account number is # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Complaint:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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 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 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 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 2023-02-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Complaint:
Portfolio Recovery Associate, reported 4 fraudulent accounts to all major credit bureaus without a 30 day notice by mail, also reported a fake address that don't exist. The original account holder ( XXXX XXXX ) have sent me letters stating that those accounts don't belong me. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-22
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZARVAD III S.A. (NV)

Complaint:
On XXXX XXXX, XXXX I received a email that XXXX XXXX was the collection Company that received the case from mypaydayloans.com. For a total of {$770.00}. I agreed for a settlement of {$510.00}. to be paid in four payments as follows ; XXXX/XXXX/XXXX {$75.00} XXXX {$140.00} XXXX {$140.00} XXXX {$140.00} For a total of {$510.00} After I received this email I was told by Agent XXXX XXXX that a processing fee of {$10.00} will be added for each payment. I explained that the Settlement Letter did not include any processing fees. I also told XXXX XXXX that I was suspicious that the Settlement agreement was not signed by anyone or himself. I told him I will not honor any document without a Company official member signature. After calling the office several times to speak with XXXX. He finally send me a email dated XXXX XXXX with the Company Lawyer Signature on one page and his name on the second page XXXX XXXX. On XXXX XXXX I sent an email indicating I only put {$75.00} payment as agreed for XXXX XXXX that same day about XXXX XXXX est XXXX called my brother and harass him about my {$85.00} payment that was declined from my account After being threaten by Company Lawyer XXXX XXXX and XXXX they accepted and made a withdrawal of {$75.00}.  I requested a copy of my new balance with should be {$430.00} that was not send to me via email. If I do not reveive my new balance of {$430.00}, I think this is a fraudulent transaction made by XXXX XXXX XXXX also requested that they contact me via US Postal Services , no more email correspondence. They both was rude and scandalous and scammers. And threatening me with a court prodeeding, I need this company to be investigated for using bully tactics and disrespecting their clients, and not being honest about the selltement agreements by adding so call processing fees after sending the selltement agreement, and stil not sending a new selltement agreement with the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
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. (CA)

Complaint:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIRST MIDWEST BANCORP, INC. (IL)

Complaint:
First Midwest Bank at XXXX XXXX XXXX, XXXX, Illinois, is discriminating against me for being a XXXX  XXXX  XXXX. They would not allow me to cash {$100.00} of my {$400.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  check # XXXX issued by the U.S. Treasury on XX/XX/2019, in their bank lobby. I needed {$100.00} so I could continue to pay for my {$30.00} XXXX bus passes through the winter months when my mobility afoot will be restricted, but the Teller only allowed me to withdraw {$80.00} in defiance of the Check Clearing For The 21st Century Act. To add insult to injury, they then assessed my third - {$36.00} Overdraft Fee to date since the inception of my account on XX/XX/2019, against my First Midwest Bank Easy Checking account. This time, they assessed the - {$36.00} Overdraft Fee against my {$41.00} check # XXXX to XXXX XXXX that I had to pay as a mattter of necessity for my cold 64 degree Fahrenheit apartment. However, for all tense and purposes, I should have never been assessed a - {$36.00} Overdraft Fee as according to their own records at XXXX XXXX XXXX I had a {$380.00} Balance at the time the - {$36.00} Overdraft Fee posted on XX/XX/2019. Under the Expedited Funds Availability Act, the bank Teller should have had a fidcuiary duty to advise me that I was Overdrawn on XX/XX/2019, ( if this was indeed the case ) for at which time i would have been glad to return on foot on XX/XX/2019, once the {$400.00} check cleared as the streets were still free of hazardous ice and snow at the time ( which isn't the case now ). I have never endured so frequentt of Overdraft Fees in such a short succession of time in my life so I feel that First Midwest Bank is Redlining me for being perceived as an inferior XXXX  minority. I will be switching banks soon, but wanted to report this matter in case an investigation needs to be launched in order to protect more vulnerable customers at Frist Midwest Bank from such predatoy conduct. 
Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Complaint:
I have contacted TransUnion multiple times at this point about the inaccurate information held in my consumer report. There are six accounts that are inaccurate as well as 68 inquiries which are all unauthorized and not connected to accounts. This is a blatant violation of my consumer rights and rights to privacy with the furnishing of my information to third party 's without my authorization as well as furnishing accounts without a grand jury judgement or written instruction to furnish said accounts. This is a direct violation of 15 U.S.C.1681b ( 2 ) & 15 U.S.C. 1681n ( b ). I have sent them a notarized affidavit sent via certified mail with return receipt as well as an invoice for the violations they have committed against 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 explanation
Consumer complaint received 2021-05-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

Complaint:
I submitted three ( 3 ) requests to Equifax, asking them to investigate an account by providing me proof of ownership such as the original contract.

This request was made as part of my personal financial review and, because there are more than one XXXX Account on my credit file. The account number is ending in # XXXX. 

The first request was made on XX/XX/2021. There was also a request made on XX/XX/XXXX followed up by a third request. 

Equifax has not properly investigated this. They have ignored my rights to have information verified. ( FCRA 609, 611 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (WA)

Complaint:
I am not familiar with these charges. I have been unable to contact the bank to get a replacement card or to open an investigation. 


XX/XX/2022 XXXX XXXX Withdrawal XXXX XXXX, PA, XXXX XX/XX/2022 XXXX XXXX Withdrawal XXXX XXXX XXXXXXXX, XXXX XX/XX/2022 XXXX XXXX Withdrawal XXXX XXXX XXXX, XXXX XX/XX/2022 XXXX XXXX Withdrawal XXXX XXXXXXXX, XXXX  XX/XX/2022 XXXX XXXX Withdrawal SXXXX XXXX XXXXXXXX XXXX, TN, XXXX XX/XX/2022 XXXX XXXX Withdrawal XXXX 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 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Complaint:
In EXPERIAN credit report I noticed that I have an account from XXXX XXXX XXXX XXXX ( opened : XXXX XXXX, 2021 ). Previously, I asked this company to provide me a proof that this collection amount belong to me, but they can't provide me nothing because this is not my debt! Also in other credit report company I don't have this FAKE ACCOUNT : XXXX and XXXX. If EXPERIAN can't verify my information, please remove it from my credit report immediately, i know it has to be remove in 30 days. If they can verify that it is my account please provide : method of verification, original contract with my sign and SSN number. Only if they will provide it, it can be verify! But i am sure they can't! This is not my debt, remove this account from my credit history. This is hurting my credit, I am single mum and even have a huge problem to rent apartment with that FAKE 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 explanation
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

Complaint:
I was given credits for canceled flights by XXXX XXXX through my chase bank account. The fees were reversed and took my account over {$400.00} negative and my account was closed by the bank now I can not open an account with any other bank or credit union due to this the airline was supposed to issue a flight credit and never did then told the bank that I was on the flights so the bank said that cant go against the airline. The dates are XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 and XX/XX/22 the balance was {$470.00} that I was charged

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant & Weber (CA)

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau is reporting inaccurate information on GRANT & WEBER INC. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureau investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here is the lists of the erroneous account reporting on my Credit Report : GRANT & WEBER INC 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 2022-05-20
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. (AL)

Complaint:
n accordance with the Fair Credit Reporting act XXXX/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 response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (NY)

Complaint:
I have made payments to Capital Accounts in the amount of XXXX ( receipts attached ) for a dental bill that XXXX XXXX XXXX has turned over to Capital Accounts. The original bill is XXXX. The original letter from Capital Accounts stated I owed XXXX with interest charged to the XXXX. After paying the XXXX a balance of XXXX remaining. Today I called Capital Accounts to offer them XXXX to close the account. The representative refused and also stated my balance is over XXXX. I asked to speak with a supervisor or manager. The Representative stated that he was the supervisor and they do not settle accounts. Capital Accounts is charging an extreme amount in interest keeping me hostage to a debt already paid. 
Originally XXXX XXXX was never owed this money, because they did not complete the work leaving me to seek another dentist ( XXXX XXXX ) completed the work ( both original bills are attached )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

Complaint:
I have been disputing this info since XX/XX/2022. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under 15 USC 1681c-2 this need to be removed.

Company response to consumer: Closed with explanation