hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-01-06
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. (MA)

Complaint:
I have an auto loan with XXXX XXXX XXXX which was opened in XX/XX/XXXX. On XX/XX/XXXX I wrote a letter accompanied with bank statements to dispute payments that were reported as missed for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX through XXXX of XXXX. All of these payments were set up for recurring payments though XXXX XXXX XXXX when the loan was obtained. All of the payments were made on time. On XX/XX/XXXX at XXXX I called the XXXX XXXX MA location and spoke to XXXX regarding my dispute. She placed me on hold for over 20 minutes, then came back and apologized for the wait and stated that I could not dispute through them. She said I could only dispute through the credit bureaus, they do not handle direct disputes. I informed her that her the FCRA I could dispute directly with the creditor. She then told me that she would have another representative call me back. I never received a call back. On XX/XX/XXXX I received a letter stating that my bank statements were not sufficient evidence that the payments were made. The letter also stated that they could not update their incorrect reporting for 9 months. This has impacted my credit greatly and is affecting my life. This is also a violation of the FCRA and a violation of my rights.. My banking institution, XXXX XXXX XXXX only provides bank statements as proof of payments. I am requesting that the correct their inaccurate reporting for the months in question to paid on time as agreed, along with crediting to auto loan account for the over payments I had to make in XXXX and XXXX of XXXX. I was forced to may more than {$880.00} in order to avoid a repossession and end the harassment I was getting. I ask that the over payment be applied towards the principal of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
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: JPMORGAN CHASE & CO. (FL)

Complaint:
Recently tried to see if a business I owned was eligible for business credit on. I do not recall applying for the credit, only checking through pre-qualification letter I received by chase. I have also noticed two hard pulls by XXXX. My personal credit was pulled and now showing a hard inquiry. Both under the pretense of " soft pulls '' but are showing up on my XXXX   credit file. Thank you for your consideration

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

Complaint:
I tried to contact Bank of America concerning a credit check on my account. They would not help me as I do not have any BOA accounts. 
The credit entry was done on XXXX/XXXXXXXX

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 2023-07-17
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: Experian Information Solutions Inc. (SC)

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2017-11-13
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc. (VA)

Complaint:
I c systems is contacting me for a debt that is no longer with Ic systems the debt now has been transferred to XXXX XXXX XXXX I have asked Ic Systems to stop calling me more than once I asked that they only contact me through the mail only the debt is no longer Ic IC systems debt please stop contacting me please

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Complaint:
Bank of America performed an unauthorized hard credit inquiry on 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 non-monetary relief
Consumer complaint received 2023-04-03
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: Experian Information Solutions Inc. (DE)

Complaint:
I sent a certified letter of validation to the collection agency XXXX, on XXXX XXXX, which they recieved on XXXX XXXX. They never responded back to me within 31 days of the letter. So for a debt that I don't owe it is a violation of the FCRA and the FDCP. Therefore if it could'nt be validated XXXX must request that all reporting agencies delete the entry. As of XX/XX/XXXX, this will be 5 months with no response.

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 2023-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
This is to inform you that I XXXX XXXX is a victim of Identity Theft and pursuant to FCRA Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. It will also make sure that these debts do not reappear on the credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. A copy of these sections is enclosed, and pursuant to FCRA 605B ( 15 U.S.C.1681c-2 ) Block of Information Resulting from Identity Theft, except as otherwise provide in this section a, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulted from an alleged 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
Consumer complaint received 2022-11-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-05
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: Experian Information Solutions Inc. (GA)

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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX XXXX Account # XXXX NEVER LATE PLEASE UPDATE

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 2022-08-03
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. (OH)

Complaint:
There are accounts showing on transunion credit report that are not mine. They have failed to provide proof of ownership. These accounts are not mine

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 2023-02-22
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 (VA)

Complaint:
On XX/XX/2023 I was bnuying tickets on Delta Airlines. As I was moving through the online purchase, an offer for a American Express Gold Delta rewards card promotion appeared, offering {$300.00} off a {$1200.00} ticket price. I chose to apply and take advantage of the offer, lowering my total airline ticket price to around {$900.00}. I was approved and sent back to the Delta website ; however, there was a problem completing the transaction. I had to re-enter the flight information and this time there was no more promotion price, as I had already applied and was approved for a Card. 

After contacting Amex, they said they would be willing to open a ticket to research the marketing offer but they wouldn't guarantee to honor the offer. I chose to immediately close the account because it felt like a bait and switch. They get me on the hook for a marketing offer, but then due to the hiccup of Delta 's website, but don't follow through. Very deceptive, and worthy of a review of their marketing practices as it pertains to another party 's website being able to properly fulfill on the promise made by Amex. They should have honored the request, no questions asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
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. (TN)

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX  XXXX XXXX ) XXXX ... XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Riverwalk Financial Corporation (FL)

Complaint:
Already took it off my XXXX  but will not take it off my XXXX  the loan is from 2009 originally

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (VA)

Complaint:
Good Morning, This is my second time having to contact you all re : Discover. I do not dispute that I owe them money, however, I called them many months ago to explain that I am not currently working full time due to effects of long term covid. They agreed to lower my interest rate to under 10 % ( from an obscene 25 % ) and to move back the date my payment is due by a week because that is when I get paid. Instead, I have been charge 4 late payment fees totaling {$160.00} and interest at 25 %. For instance, I made a {$1000.00} payment a few days ago on XX/XX/XXXX and they still charged me a {$40.00} late fee. ( I was late by 3 days after I had asked them to change my payment date. ) I don't understand why they are doing this and are not honoring their agreement. I will pay my debt, but I'm asking them to live up to their agreement and remove both the {$160.00} worth of late fees and the many hundreds of dollars they have overcharged me in interest. And on a personal note, I thought this was the way it's supposed to work ... in the sense of, a person is struggling and they contact a company to help them during a rough time and the parties come up with a reasonable solution. I've held up my agreement but Discover continues to overcharge me and seem uncaring about a medical condition that is placing me into severe financial difficulty. I am asking for your help as each time I contact them, they give me rote answers and false promises that they will get it corrected. I am at wit 's end with Discover and need some help. Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
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: Experian Information Solutions Inc. (FL)

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX  Account number XXXX XXXX has violated my rights. Account name XXXX XXXXXXXX Account number XXXX, has violated my rights. 
Account name XXXX XXXX XXXX  Account number XXXX, has violated my rights. Account name XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX Account number 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-15
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. (NC)

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-10-16
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. (TN)

Complaint:
Account Name : XXXX XXXX  XXXX Account Number : XXXX Balance : {$340.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$500.00} Account Name : XXXX  XXXX  Account Number : XXXX Balance : {$230.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$320.00} Account Name : XXXX XXXX  Account Number : XXXX Balance : {$320.00} This is a formal complaint against XXXX, XXXX, and TransUnion. I have disputed this account with the credit bureaus since XX/XX/2021, I have sent my first letter to the bureaus on XX/XX/2021 to be exact.. and they still haven't made a resolution to this problem. I am disputing these accounts because I do see some information that is reporting inconsistently. I believe it is my right as a consumer to ask for validation, correction, or deletion of these items if they are being reported erroneously. 

I have attached my evidence that the CRAs are confirming that the information that was there was wrong however they're not willing to budge in the rest of the detail and I feel that I'm highly compromised and therefore I'm needing for them to take action or make a speedy resolution on this because I need to be able to access my credit and this is actually hurting me more than it's doing me good.

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 2018-11-21
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: FC HoldCo LLC (IL)

Complaint:
The company XXXX XXXX  appeared on my XXXX credit report on XX/XX/XXXX and on XX/XX/XXXX. It appears to be finance and personal under business type. When I contacted the company, they informed me that my social security number and other identifying information was used in an attempt to acquire a car loan. I informed the company that I have not submitted any form of application for auto financing and that this inquiry was initiated without my consent or knowledge or permission. The company said they will document the issue and contact me back with further instruction. I have yet to hear back from the company and each time i contact them further, I am told the same thing.

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 2021-08-27
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (AZ)

Complaint:
On approximately XXXX, i bought a XXXX  XXXX console from XXXX-XXXX, using Paypal credit , synchrony bank. Vendor is a scammer, he shipped an item to my neighbor. It was not addressed to me and was not sent to my address. Vendor claimed item was shipped to ME, printed my name and address on an invoice and submitted that forged invoice as well as Real shipping tracking number from united states postal service. Excellent news for me, as this was the proof used by him to, paypal. I used that shipping number, went to usps, got the print out, faxed that usps tracking report to paypal as my evidence that no item was shipped to my address. 
Here is where synchrony bank is perpetuating the scam, and providing the scammer with easy victims. They accept his usps tracking number as evidence for the vendor, to claim a charge against the consumer, but that same exact evidence can not be used by the consumer ( because they will not or do not as a corporation, verify tracking ). How is it legal to claim an item was shipped to the consumer, yet the evidence proves it was not, BUT its not their responsibility to verify the validity of a tracking number, although they have no issues with it as proof of a shipment? They insist i return the item shipped, again not to my address, my neighbors. The item shipped has been turned over to the usps inspector in XXXX, arizona. Not that it matters that the fraudulent item is now in the hands of the us govt ( USPS ), paypal thinks i need to pay for an item NOT shipped to me, and their own merchant provided the usps tracking number. Paypal credit synchrony bank, tracking XXXX. Vendor was reported to ftc and XXXX XXXX, and has since changed his website name, and opened a new LLC for it. Dispute amount is XXXX. Many interest charges as well as accounting errors have fluctuated the amount. Consumer name under paypal credit account is XXXX XXXX. Scammer is XXXX XXXX. XXXX using unfair trade practices to include the perpetuation of the fraud, is synchrony bank, paypal. They do NOT verify shipping tracking numbers used to defraud customers.

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 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Complaint:
equifax, XXXX  and XXXX has some accounts on my credit that is not mine.

Company response to consumer: Closed with explanation