hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Complaint:
I HAVE NEW UPDATED INFORMATION!!! 

I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF YOU NEED MY AUTHORIZATION TO PROCEED, YOU HAVE MY AUTHORIZATION TO PROCEED. 

I, XXXX XXXX, consumer, natural person and original creditor of an open-end credit plan, submitted a dispute to EXPERIAN and they stated that they've " verified '' that the items I disputed are being " reported correctly ''. I reached out to EXPERIAN for the details of the investigation that they did to verify this account. This is my third request and I have not received any proof of details showing that they've done an investigation. I filed my complaint about this and each time I try to receive a response from EXPERIAN concerning this matter, they state that they need authorization to proceed with the complaint. In my opening statement of the complaint, I state my name and state that I'm submitting this complaint myself and that there's no third party involved, and if they need my authorization to proceed with the complaint, then they have my authorization to proceed with the complaint, yet they continue to ignore my complaint as a stall tactic. I requested a description of the procedures used to determine the accuracy and completeness of the information reporting to my credit file through CFPB complaint numbers XXXX, XXXX, XXXX, XXXX and this time through certified mail # : XXXX XXXX  XXXX XXXX XXXX. It is my belief that no such records exist and my right to privacy has been violated for profit. My financial reputation is being ruined due to EXPERIAN 's blatant disregard for federal law. It is my belief that EXPERIAN feels comfortable committing blatant violations of the FCRA because they know the CFPB won't enforce the laws set forth by congress as shown time and time again. EXPERIAN has caused me stress, marital issues, sleepless nights, and XXXX due to its profits over the law mentality. Pursuant to 15 U.S.C. 1681i ( 5 ) ( A ), if any reinvestigation of any information disputed by a consumer is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. I reached out to EXPERIAN for the details of the investigation that they did to verify this account. It was well over 15 days and they hadn't replied to the complaint. They later responded that they will send it in the mail. I preferred to receive their response through the CFPB portal because I know that they've told me before that they would provide a response through the mail and it was not what I thought it would be.

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 2023-05-05
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK (CA)

Complaint:
My savings account was used unauthorized by this company online that I currently use. They kept telling me that it was my fault for accounts to change from my current to the other. 
Not true at all. When I saw my payment not go through, I went into account and hit the PAY NOW button ... not realizing my account was switched. They keep blaming me for mishap and not themselves. I'm am very irate. These people are completely XXXX XXXX They always read script-like, telling me they can resolve by me making a new payment. I paid all my bills assuming this was paid because my history of payments are ALWAYS the same. I would have to go out of the way to change my payment options KNOWING there is no money on that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
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. (NY)

Complaint:
I am writing to file a complaint regarding a late credit card payment that is inaccurately showing on my Experian credit report. I believe this violation is in direct conflict with the regulations outlined in the 15 U.S. Code 1666b, which governs fair credit billing practices. It states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I hold a credit card with XXXX XXXX, account number XXXX. According to the information on my Experian credit report, there is a late payment listed for the billing cycle ending XXXXXXXX XXXX 2021. 

I would like to bring to your attention the following points : Compliance with 15 U.S. Code 1666b : Section 1666b of the United States Code governs fair credit billing practices. It ensures that consumers are treated fairly and have the right to dispute incorrect charges or billing errors. It is evident that the reporting of this late payment is erroneous and does not comply with the spirit of this law. 

Negative Impact on Credit Score : The inclusion of this late payment on my credit report has had a significant adverse impact on my credit score, affecting my ability to secure favorable credit terms and causing undue financial harm. This negative reporting is unwarranted and violates my rights as a consumer.

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 2023-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
Hi! I'm writing about unauthorized purchases to my account with BOFA. Since, around XX/XX/2022, we have had approximately {$19000.00} unaccounted for! It's been to our understanding that our identity was stolen. BOFA closed the old account were most of the funds had been unauthorized. The unauthorized charges continued on the new account at that time!? Most of the unauthorized charges were coming from XXXX, Colorado! We have exhausted all means of resolving these unauthorized purchases with BOFA. We've went to several branches with BOFA in person, spoke to supervisor after supervisor. They said they couldn't help us there. They just continued to tell us to call their fraud department. We and different Family members/friends attempted to try and get results with no progress! 10 to 15 times on the phone with agents, and supervisors including their fraud department, over and over! We just keep getting the run around. Stealing money from the elderly ( XXXX and XXXX ) years old! is reprehensible. Our account was closed on or around XXXX of XXXXWe were issued a new ATM/debit card and new account number. Unauthorized charges kept coming out of our account. The agents on the phone just kept placing us on hold over and over then transferred to several Supervisors with no results! Their fraud department has created 3 cases. We have 3 claim numbers with no results!!! We filed a police report case # XXXX with the XXXX. We've reached out to XXXX XXXX and they have been supportive. They referred us to you. Looking forward to hearing from you! 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 2020-11-24
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. (CA)

Complaint:
The following accounts where opened as a result of identity theft. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card. 


I have contacted the creditors and they have closed said accounts. But they have not removed said accounts from my credit reports. 

See attached FTC affidavit.

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 2016-03-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Omega RMS, LLC (NC)

Complaint:
I was contacted by a singles site called XXXX. I had just went to an interview with them in XXXX 2015. The person persuaded me to sign up with thier services. I gave a {$500.00} down payment towards having XXXX dates with XXXX elegible bachelors. I explained I would not be available for another month and was told it would be fine. Two days later I received a distirbing call from a young man who represented himeslf from the company and he wanted my credit card in order for the services to begin. I refused and told him I was no longer interested since there was a conflict in our initial agreement. I then began receiving bills from them where each month the amount was doubling. I received an email from the original sales person asking me to call her. I no longer wished to speak with her since she had falsely represented what they promised. I attempted to send an email, but it was returned. I tried calling the company and the number was out of service. I am getting OMEGA debt collection calls on this who want to negotiate a settlement. XXXX XXXX XXXX ia thier number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (CA)

Complaint:
Iv been trying to fix my credit. Iv never had a credit card before ever in my whole entire life I was born XX/XX/XXXX. This past year of XXXX I tried getting one on a I believe a XXXX  card and I couldnt due to, to many accounts open. IV NEVER HAD A CREDIT CARD XXXX! Everything on my credit report is identity theft hello! Help me out here. My phone number my location says all. Iv never lived in Oregon. Iv lived in XXXX XXXX ca. Let me say this again Iv never lived in XXXX Oregon. I live in XXXX XXXX ca. So can you please help me out!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
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: BARCLAYS BANK DELAWARE (PA)

Complaint:
Wrote letter to Frontier Barclay MasterCard regarding charge for Frontier Airlines for {$590.00} for their Go Wild pass which was charged on XXXX XXXX. Also disputed with frontier. Their response was can not cancel, however in their ( Frontier ) terms and conditions it clearly states pass can be canceled. Service product does not Begin till XX/XX/XXXX Frontier claims you can go on their website, login under your account and go to section- XXXX XXXX XXXX and cancel at any time but when you go online that option is not available. And as of XX/XX/XXXX they are still selling that pass

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 2018-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (TN)

Complaint:
This company can not validate or verify that this debt is owed by me. I have no knowledge of this account. Address marker used with account isn't mine.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 US. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? I have attached some documents that you can clearly see what I'm talking about. incorrect dates and amounts.

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 16811 ( 7 ) Method of verification- Description of reinvestigation procedure. 
ACCOUNT NAME ACCOUNT NAME XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-01-28
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC (MS)

Complaint:
Sequium asset solutions llc is the name of the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX They've called on the XXXX and XXXX of XXXX after I've already spoken to them and asked for them to stop harassing me. I've asked them to stop calling and they continue. 
They call from local numbers and when you call back the numbers aren't in service. They do not let you know who they are when they call unless you give them personal information over the phone and only after you give them the info do they let you know who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Complaint:
In accordace with the Fair Credit reporting act. The List of accounts below has violated my federally protected consumber rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instruction 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 2022-09-07
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:
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

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 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Complaint:
I received a copy of my credit report and I have found the following items listed below to be in error. Pursuant to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Also unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Shellpoint Partners, LLC (CO)

Complaint:
Shellpoint Mortgage continues to place calls to my cell phone after being told via writing and verbally multiple times not to contact me by phone. In addition to this being an annoyance, I have requested reasonable accommodations from Shellpoint that communication be by email or secure messaging based on a XXXX that impacts my ability to understand and participate in verbal communication. On XXXX XXXX XXXX I disclosed to Shellpoint employee XXXX XXXX that I am hearing impaired and require written communication. This request did not result in any effort from Shellpoint to grant that request for reasonable accommodation. I am currently trying to resolve a past due balance on my mortgage, and Shellpoint 's failure to provide reasonable accommodations may result in losing my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Medical Data Systems, Inc. (NC)

Complaint:
I sent a debt validation letter on XX/XX/2022 and this company has failed to validate my debt. Instead they sent me a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately. 

company : Medical Revenue Services Medical data Systems, INC XXXX XXXX XXXX XXXX XXXX XXXX, AL 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 2022-06-02
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: LDF Holdings, LLC (CA)

Complaint:
One of Bridge Lending Solutions ' representatives, XXXX ( no last name provided ) contacted my workplace by phone call on XXXX XXXX, 2022 at approximately XXXX XXXX  PST, and identified the debt collector as Bridge Lending Solutions. The phone number used to contact my workplace on this occasion was XXXX. 

Furthermore, the telephone that Bridge Lending Solutions called was located at the receptionist 's desk. XXXX ( no last name provided ) left a message with the receptionist for me to call them back and disclosed that it was in relation to a debt. 

I know my rights and I know that publicizing a debt by contacting a borrowers employer is considered a direct violation of the Fair Debt Collection Practices Act, 15 USC 1692 et seq. If this happens again, I will be forced to contact the police.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
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:
XXXX/XXXX  XXXX requested company verify the debt ; company could not verify the debt.

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 2016-08-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (TX)

Complaint:
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. I disputed this directly with the company and did get a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief