hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-11-05
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: EQUIFAX, INC. (NV)

Complaint:
o not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - I HAVE NO ACCOUNTS FOR THESE INQUIRIES AND WOULD NOT CONSTANTLY RUN MY CREDIT, WHICH WOULD RESULT IN A BAD SCORE I AM ALSO UNABLE TO ACCESS MY EQUIFAX ACCOUNT AND XXXX, THEY HAVE MADE IT IMPOSSIBLE TO LOG IN Credit Inquiries Credit Inquiries - Summary Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
im a victim of identity theft someone got hold of my XXXX credit card and used it which I did contact the company right away but for some reason they want me to still pay for something Im not responsible for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
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:
My identity has been compromised inwhich lead to opened and closed accounts in my name. I have tried to remove these accounts before all to no prevail. However, after reviewing the language in the FCRA, it stated that when accusing a consumer of a debt that the consumer has the right to see physical documentation of which the debt is owed. In my dispute of the following accounts, I'm respectfully requesting physical documentation or the accounts shall be removed. I do not have no contract with these companies therefore I'm asking them to be removed. No contract, contract has been cancelled. The following accounts are, ( 1 ) XXXX XXXX XXXX, {$4200.00}, date XX/XX/XXXX ( 2 ) XXXX XXXX, {$3200.00}, date XX/XX/XXXX ( 3 ) XXXX XXXX XXXX, {$640.00}, date XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
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. (TX)

Complaint:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 5 10 ; 11, 13, 14, 16 and 21 of the attached from the credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
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: EQUIFAX, INC. (PA)

Complaint:
Upon applying for a loan at my XXXX XXXX XXXX XXXX, XX/XX/XXXX. I have XXXX XXXX downloaded on my phone. That night i got a ding from XXXX XXXX. XXXX XXXX XXXX had hit my credit ... like i had applied for a loan there. I have not. Also, XXXX/XXXX had onXX/XX/XXXX. And XXXX on XX/XX/XXXX ... There is no reason for any of them to hit my credit. As a result my Credit score has gone down from XXXX to XXXX and XXXX. I would like to know why and how they acess my account without me asking them to. I am trying to get my credit back in check. Any help you can give me would be much appreciated. Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
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. (TX)

Complaint:
I am writing this statement because I am a victim of identity theft and recently noticed some fraudulent accounts on my credit profile. I ask that the items please be removed to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the fraudulent items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY (NH)

Complaint:
I received a bill from TD bank for a late payment on a cell phone that was paid off a few months ago. My bill is of XX/XX/2020 XX/XX/2020. I'm not sure of the date but I called and paid in full a few months ago and now I'm getting charges with balances and late fees for a debt that was paid in full. I have tried to call TD bank at XXXX XXXX XXXX XXXX And I have waited on hold for over an hour with absolutely no response from TD. I have called on multiple occasion 's to try to resolve the matter and ice continued to be placed on hold. In order not to get charged and take a hit on my credit I paid their fees in closed my account. I am now worried that the next billing cycle I will get more charges on my account when I have paid my account in full on to occasion 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX Dear TransUnion, I, XXXX XXXX XXXX, have written this letter to dispute inquiries that are falsely listed on my credit report with your bureau. The following inquiries were not authorized by me and are inaccurate. According to the Fair Credit Reporting Act, legally the following unverified and unauthorized items must be removed. I have already contacted the companies, and they did not have any of my information on file. 

The following items should be removed immediately : Creditor Name : XXXX Type of Business : Personal Loan Company Date of Inquiry : XX/XX/XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THESE CREDITORS AND I DID NOT AUTHORIZE THEM TO ACCESS MY CREDIT. IT IS FRAUDLENT AND INCORRECTLY REPORTING, AND I AM REQUESTING THAT THE CREDIT INQUIRIES ARE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned items to be deleted off my credit 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 non-monetary relief
Consumer complaint received 2021-04-30
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. (CA)

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Complaint:
I have made a claim regarding a disputed transaction. 

The entire process so far has been mired with ADA ( Americans with Disability Act ) discrimination and discrimination based on religion & national origin. 

This is how Bank of America is choosing to drive away a " Platinum Tier '' customer over a {$45.00} credit card dispute. 

This is how the ordeal started.. 
On XX/XX/19 I attempted to buy an online membership for the AAC. The website form crashed as a pressed " Submit ''. The AAC has no record of the transaction but my card was still billed. This is why the Fair Credit Billing Act ( FCBA ) exists. 

After filing an online dispute, I revived a letter that has the wrong account number - I do not have an account with that number and worse of all it has a name that i worked with bank of america multiple times to change. 
I had previously submitted a CFPB complaint and worked with the bank to change my name as they " refused '' to use, y XXXX/XXXX   name, only after complaining to the CFPB for discrimination based on religion/national origin did Bank of America was willing to change it. 
And guess what? for some reason the correspondence that carried the account number I don't have used the number that took multiple attempts to change. Is Bank of America antisemitic? 

When I complained about how this process is being handled, the person that was assigned to this case had an unclear accent and I could barely communicated with her. Due to hearing loss ( military service related - long term exposure to explosions and gunfire ) I asked that this case would be moved or escalated to somebody else and was refused - in clear violation of the ADA. Despite multiple requests, that case has not moved to a different agent. 
That rude, person at BofA was " XXXX '' at XXXXXXXX   Extension XXXX. 

How bad can a bank treat a customer?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-28
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. (TX)

Complaint:
I have informed Experian that I am a victim of identity theft and XXXX accounts that they are reporting under my credit file are the result of identity theft. Yet Experian fails to remove the fraud accounts from my credit file. They claim to have verified accounts however according to the FCRA, they have to tell me how they verified the account. Let me know the name of the person that verified this account, their contact number, address, and the time that they were contacted to verify. Im in shock that they are claiming to have verified an account that is a result of identity theft and better yet accounts on which the company couldn't give me information. XXXX and XXXX XXXX are not accounts or information relating to any transaction by myself. I have provided Experian FTC theft report, proof of identity, and a statement detailing these accounts are indeed not mine and a result of identity theft yet Experian still disregards that these needs to be removed immediately or I will be forced to take legal action.

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 2019-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
In XX/XX/XXXX, a 30days past due was reported on my credit report via XXXX  credit card. 
During this time i had contacted XXXX and tried to fix the problem with them. I tried to explain that my XXXX card had not been active for a few years and i simply forgot that i had used it for a purchase. I asked to make the payment in full and for it to be forgiven from my credit report. 
I have had this card since XX/XX/XXXX and my payments are always on time except for this one incident. 
My past due was still 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 2021-10-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (NY)

Complaint:
I, XXXX XXXX, entered into a consumer credit transaction with XXXX XXXX. Santander Consumer USA is the bank that was used for the finance charge. Santander Consumer USA is attempting to collect a debt. This is a violation of my rights pursuant 15 usc 1692 ( b ). Being that XXXX XXXX violated 15 usc 1605, ( did not include insurance in my finance charge and also took cash as downpayment ) the contract is null and void. Santander Consumer USA sent me a notice with a witten line stating " this is an attempt to collect a debt '' which is a violation of 15 usc 1692 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (HI)

Complaint:
The debt is supposedly a XXXX collection, but there is no overdue account at XXXX, nor was there. I interact directly with XXXX. My XXXX account has always been current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-12-02
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: AFNI INC. (CA)

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. I has been well over XXXX days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
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: Global Lending Services LLC (GA)

Complaint:
Dear Consumer Financial Protection Bureau, I am not a credit doctor ; I am a natural human being, and a consumer who understands his rights in accordance with the Fair Credit Reporting Act, and the Fair Debt Collection Practice act. I am contacting you regarding Global Lending Services LLC, disputing inquiries they placed in my credit file that I am a victim of identity theft, and they were to block any fraudulent information they provide to the credit bureaus. In my correspondence with Global Lending Services LLC, my letter included my request for validation and deletion of the inquiries, and I enclosed sufficient proof of identity and relevant documents to verify who I am, and that I am a victim of identity theft. 
My initial letter sent certified mail ( XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2022 and XXXX letter by U.SXXXX mail dated XX/XX/2022 which was my last letter to Global Lending Services LLC. 
I emailed them information XX/XX/2022, after speaking with XXXX of their representative on XX/XX/2022 ( XXXX ext. XXXX ), which was the last communication of any sort with Global Lending Services LLC. I received XXXX letters from Global Lending Services LLC, both dated XX/XX/2022, XXXX months later, which is well outside the time allotted to respond to consumer disputes according to the FCRA. 

Global Lending Services LLC has not provided any information I requested neither have they provided competent documentation bearing my signature, nor have they provided any relevant documentation. As a consumer Global Lending Services LLC is violating my rights, including but not limited to 15 USC 1681b ( c ) Fair Credit Reporting Act : Section602 ( A ) my Right to Privacy Section604 ( 2 ) Furnishing information Without Written Instruction Section 605 ( B ) Not Blocking Information on my credit report that is fraudulent Section 611 Not responding/ completing an investigation within 30 days Defamation Negligent Enablement of Identity Fraud Violation of Fair Credit Reporting Act Supporting documents related to this complaint are attached and uploaded to CFPB website as of the date of this communication. 

Sincerely, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (FL)

Complaint:
My husband and I have gone to XXXX and are leasing a vehicle, due to my husbands declining health he has been hospitalized and placed in rehabilitation several times. This time is for falling and breaking a hip. As you know hes income is our household income and this has changed, for his medical care. I receive social security once a month and its only enough to pay some of the household bills. Bridgecrest has denied lowering our payment on several occassions, they have stated they cant do it, but their a finance company. We just dont understand this. We would greatly appreciate it if someone could give us more information on what or who we can reach to help us out with this. 
Thank you

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 2022-09-30
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (MA)

Complaint:
I just recently I started looking at my statements and I noticed that I was being scammed by somebody and had I done the theft and fraud done to me. I had my XXXX emptied out. Also some forged checks put into my bank account. My W-2 form was taken along with my social security card and my license was sent to me by some scammer. Also, inappropriate pictures came up online of me and threatened me that they would send them to different sites in my family. Two cell phones were also opened up that I'm trying to work with XXXX XXXX XXXX about.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (PR)

Complaint:
The debt on this credit card was dishharged and eliminated from collections but it still appears in the credit history

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 2021-10-22
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (IL)

Complaint:
On XX/XX/2018, I had applied for a line of credit, with a lender. I was denied due to the fact that, Santander Consumer USA, has continued to report negative and incorrect reports about my past credit with them, to all credit bureau 's. After trying to correct this era with them on several occasions, they still haven't done so. I had retained a credit repair agency, to help me rectify this problem, and as of today they still haven't done so. I am now reaching out to Consumer Finance, because I feel like my rights have been violated, Under the Consumer Finance Rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
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. (FL)

Complaint:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and anxiety. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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