hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2019-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Complaint:
XXXX, Transunion and XXXX continue to report that I have 2 dismissed chapter XXXX 's even though I have sent them the letters from the Trustee showing that I did not enter into a Chapter XXXX wage plan. Reporting that I have dismissed Chapter XXXX 's indicates I entered into a plan that was dismissed and that is not correct. I never entered any bankruptcy plan as the alleged single debt was never validated as being owed to the alleged creditor. This is erroneous reporting and needs to be removed. I have reported this erroneous reporting multiple times with the latest reporting being XX/XX/2019.

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 2018-01-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Information Bureau, Inc. (FL)

Complaint:
Opened : XX/XX/2014 ( 3 yrs, 7 mos )  Amount : {$710.00} Account status : Open Original Creditor Name : XXXX XXXX XXXX XXXX PA I called already. I had insurance when I went to XXXX XXXX, and they even got me signed a medical bill waiver because I used to have XXXX all the time too often. So what's this debt about??? 
I need these bills that are not recognized to be removed, I can't do nothing because of those unknown medical bills. It's not fair ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NV)

Complaint:
equifax web site has new url and did not update access to my credit report that i pay for?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
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. (IL)

Complaint:
I disputed a bankruptcy with XXXX in XX/XX/2020, they removed it from my consumer report. Then, I used the XXXX letter which confirms that case # XXXX has been deleted to dispute the bankruptcy with XX/XX/XXXXXX/XX/XXXX and Equifax. I asked the credit bureaus to contact XXXX to verify the DELETION. XX/XX/XXXXdeleted the bankruptcy.XX/XX/XXXX and Equifax keep claiming the bankruptcy has been verified with XXXX and the US Bankruptcy Court XXXX. I received a letter from the US Bankruptcy Court XXXX and they don't report to credit bureaus. Also, I sent comparison factual dispute letters along with the XXXX and US Bankruptcy Court letter to XX/XX/XXXXand Equifax. They refuse to delete the bankruptcy. I have provided documented proof of the deletion from XXXX and confirmed with the US Bankruptcy Court, they don't report to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ALLIANT CREDIT UNION (CA)

Complaint:
On XX/XX/XXXX, I was charged a {$99.00} annual fee for the Alliant Credit Union Visa Signature Card. The charge was noted with, " ANNUAL FEE XX/XX/XXXX THROUGH XX/XX/XXXX. '' ( XX/XX/XXXX through XX/XX/XXXX ). See attached XX/XX/XXXX statement. 

On XX/XX/XXXX, I was notified of a change in terms that reduced the annual fee to {$0.00}, along with new conditions to maintain the same level of rewards ( 2.5 % ), by requiring a {$1000.00} daily average balance in my checking account. These changes would become effective beginning with the XX/XX/XXXX statement cycle. No mention of what would happen to customers that had paid their annual fee beyond this date. See attached Change In Terms Email. 

On XX/XX/XXXX, I contacted XXXX through their secure messaging service requesting a pro-rated refund for the months of XX/XX/XXXX through XX/XX/XXXX, requesting a refund of {$57.00}. 

On XX/XX/XXXX, the refund request was denied. See attached refund request and response, along with an expanded dialogue ( the print function did not capture the full text of the request and response ) files. 

I believe this is an unfair situation because Alliant Credit Union benefits from an excess payment of an annual fee that no longer applies AND I must maintain an average daily deposit balance of {$1000.00} to maintain the same level of benefits that I had already paid for. In short, they are benefiting twice XXXX annual fee + deposit balance ) for what I have only agreed to pay once for. I paid $ XXXX for 2.5 % rewards and now they're changing it to my paying $ XXXX AND {$1000.00} average daily deposit. They benefit twice and this is not fair. I'm paying for a service and instead of delivering as agreed, they're taking more from me to achieve the same result.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-13
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: CREDIT ACCEPTANCE CORPORATION (MI)

Complaint:
I attempted to get a loan on a used vehicle in my budget for XXXX with over XXXX miles on it on the XXXX XXXX website In XXXX Michigan they ran my credit through XXXX different predatory lenders and I was denied because the vehicle had to many miles on it not because of my XXXX score. They attempted to make go through a high interest loan company with a 23 % interest rate. This doesn't help me the consumer that's XXXX and on social security. Now I have XXXX unwanted inquiries and no vehicle XXXX XXXX. This is ridiculous! Are there laws to protect me the co sumer from this? The dealership knew full well as he told me in a text " he was limited on financing due to the high miles on said vehicle "

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 2018-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

Complaint:
On XX/XX/18, a check ( # XXXX ) for {$420.00} was issued from my XXXX cash management account to service provider. I had issued checks to this service provider successfully via XXXX 's online bill payment feature before this. 

The check was cashed by an unknown and unintended party. XXXX obtained the cashed check from their bank vendor ( XXXX XXXX  ). The  check was endorsed with a stamp that reflects " Santander Bank ''. However, the account and account name are not legible on the back of the check. 

Per XXXX 's instruction, I submitted a notarized fraud affidavit in XX/XX/XXXX to XXXX. I received a confirmation letter from XXXX stating the remediation process could take up to 10 weeks. I have called XXXX periodically to obtain an update and request a provisional credit. XXXX has consistently stated that they are awaiting confirmation that XXXX XXXX  has received confirmation from the bank that cashed the check ( Santander ) and they can not provide a provisional credit or " make me whole '' until then. 

My complaint is regarding Santander 's untimely processing of a fraudulent claim.

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 2023-07-25
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. (PA)

Complaint:
I have an account on my report that was closed XX/XX/2022 however its showing open on my Equifix report. I was informed by the bank to dispute the account so it can be updated as a closed account. 

XXXX. XXXXXXXX XXXX {$3400.00} This Account was closed on XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-17
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: EQUIFAX, INC. (NC)

Complaint:
XXXX Equifax and XXXX XXXX are reporting in accurate history on my credit report with XXXX XXXX XXXX XXXX and XXXX XXXX totaling 31 late payments. Section 623 of the fair credit Act strictly calls for accuracy for consumer reporting agencies. Also Equifax has refuse to remove the 2 collections on my credit by XXXX, XXXX for {$420.00} and XXXX XXXX, XXXX for XXXX in which I have or had no accounts or affiliations with the creditor or it's partners. XXXX and XXXX XXXX have remove the collections from my account however they remain with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (GA)

Complaint:
This attempt to collect this debt is illegal. I never opened this account with the original creditor. This collection attempt must be stopped immediately. I was a member of identity theft and my credit has been ruined. I have contacted the credit agencies already and they have done nothing. I am now trying to fight this this way.

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 2020-09-17
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. (CA)

Complaint:
XX/XX/XXXX - Dispute letters accompanied by police report and FTC were sent by certified mail to XXXX, XXXX, and TransUnion in regards to accounts and inquiries that are present on the credit report because of identity theft. 

XX/XX/XXXX - Dispute letters accompanied by police report and FTC were sent by certified mail to XXXX, XXXX, and TransUnion in regards to accounts and inquiries that are present on the credit report because of identity theft. 

Accounts present because of identity theft. 

1. XXXX/XXXX  : Credit Limit : {$300.00} : Date opened : XX/XX/XXXX 2. XXXX  : Credit Limit : {$16000.00} : Date opened : XX/XX/XXXX 3. XXXX : Credit Limit :  {$5900.00} : Date opened : XX/XX/XXXX Inquiries present because of identity theft. 

1. XXXX/XXXX  : Date opened : 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 2019-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
To whom it may concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. 
Please opt me out of pre-screening offers and send me copies of updated credit files.

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 2022-07-19
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: JPMORGAN CHASE & CO. (NV)

Complaint:
I opened inquiry-dispute more than 30 days now on my account card after not receiving the service I paid for ... credit company told me it will be credited to me numerous times now ... including calling and speaking with supervisor that promised me all taking care of ... nothing has been credited to my account... I want to open a lawsuit against my bank so they will not credit that dispute and keep lies to me on the phone when I calls each time ... .as ALL credit cards companies ... any dispute needs to be resolved 15 days and not that longer time my back holds it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
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:
On XX/XX/2023 I found XXXX transactions ( {$10.00} and {$25.00} ) I did not make for opening new bank account # XXXX ( I did not open a new bank account ). I called the bank ( XXXX XXXX ) but did not receive any explanations or suggestions. 
On XX/XX/2023 I was trying to access my online banking from my mobile device ( XXXX XXXX ) and it was unsuccessful multiple times. I went to the branch of XXXX XXXX in XXXX ( XXXX XXXX XXXX, XXXX, CA XXXX ) with my problem and we realized that somebody used my SSN and all personal information to open new bank account under my name. Also they have changed my phone number and email address in my online bank account, ordered ATM card, withdrawn some cash ( XXXX transactions for {$1000.00} each ) from me ( ATM in XXXX XXXX, CA ) also they transferred {$6000.00} from my credit card to new account # XXXX they opened. I had to close my old account, ordered new debit and credit card, changed my username and login for online banking and pin code for debit card. After I left the branch I was trying to access my online banking again using new user name and password and no success again. I went to the branch next day and they said that somebody called and pretended to be me and asked why the account was closed. When they did not answer to security question correctly the operator blocked my new account again.

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 2022-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Complaint:
Portfolio Recovery is falsely reporting two collection items on my XXXX and XXXX credit reports that I do not owe. I disputed with XXXX who advised the accounts were deleted. However, Portfolio Recovery continues to update my XXXX and XXXX reports falsely claiming I owe debts to XXXX  XXXX and XXXX bank. I do not owe debts to either creditor. 

1. Account Number XXXX XXXX XXXX {$1700.00} 2. Account Number XXXX XXXX Bank {$690.00} Both erroneous collections need to be removed from my XXXX and XXXX reports as Portfolio recovery has never contacted me and has not sent me anything substantiating these alleged collections. They are not mine, and they are hurting my credit. I am an auditor and this irresponsible and false reporting can adversely affect my employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
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. (TX)

Complaint:
CRA VIOLATION / INACCURATE INFORMATION APPEARED ON MY EQUIFAX CREDIT REPORT SHOW THE ACCOUNT WERE LATE. TO THE BEST OF MY KNOWLEDGE THE ACCOUNT NEVER LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
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. (PA)

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2022-04-07
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: EQUIFAX, INC. (FL)

Complaint:
In accordance with the Fair Credit Reporting Act, everything on my credit Report should be 100 % Accurate. The Credit Bureau stated that my account was properly investigated and updated on numerous occasions which could not be possible when XXXX XXXX with account number XXXX has various discrepancies on all three bureaus such as inaccurate open date, inaccurate date last active, inaccurate account number, inaccurate account type, inaccurate date of last payment and inaccurate payment history and XXXX XXXX with Account number XXXX has inaccurate account type, inaccurate, inaccurate credit limit, inaccurate date last active, and inaccurate date of last payment. these inaccuracies are grounds for removal. 
They also Violated my rights under 15 U.S.C 1681 section 604A which states that I have a right to privacy. 15 U.S.C 1681 section 604 A, section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX refuses to remove all name variations, addresses and addresses I am not associated with from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
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: EQUIFAX, INC. (MN)

Complaint:
XX/XX/2020 Equifax Credit Information Service reported again for the third time information to my creditor XXXX XXXX that my credit score with them is XXXX causing them to close my account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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. (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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17
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. (GA)

Complaint:
XXXX  and Transunion are reporting incorrectly that I am 120 days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 11 of the attached credit report. This account reports 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. 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 2023-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (MD)

Complaint:
Chase advertised a {$900.00} sign up promotion for their checking and savings accounts requiring multiple steps including keeping a balance for 3 months and then waiting an additional 15 days to find out if you received the bonus. 

I followed all required steps after seeing the promotion advertised online, following that promotion link to the sign up page, and opening both checking and savings accounts as instructed. I think had my employer direct deposit sent to Chase as required, I funded my savings account with over {$15000.00} and kept that balance for 3 months. I then waited 2 weeks for the promotion and it never arrived. 

When I contacted customer service, I was told there was no promo attached to my application, even though I followed the hyperlink from the promotion page and promo code. Chase never confirmed the promo was active or not active, there was zero communication

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-18
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 — Problem with personal statement of dispute
Company: DISCOVER BANK (FL)

Complaint:
Pursuant to 15 U.S. Code 1666b ( a ) - Timing of payments you are in violation of this section.

Company response to consumer: Closed with explanation