hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-11-19
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$13000.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2022-07-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (IL)

Complaint:
Midland Credit Management XXXX XXXX XXXX Ive asked each company to stop calling this is harassment and I would I like any debt it say I owe cleared however each company shows written off on my report and they are still trying to collect extra money from me after they have already reported the amounts as a lost to the IRS this is tax fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26
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. (FL)

Complaint:
This fraudulent address is showing up on my credit report. 

XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, F

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (FL)

Complaint:
On XX/XX/XXXX I lost my smartphone. In it I had apps from my bank, my password, users, and the cellphone had no block code. Somebody found my smartphone and made a transfer from " My XXXX XXXX account '' to " XXXX XXXX '' for {$1000.00}. On XX/XX/XXXX I saw this fraudulent transaction and called the bank to stop it, because the transaction still had the pending status. For 3 times, the representative 's bank told me that I need to wait for this to be confirmed to start a claim. On XX/XX/XXXX I started my claim, after 5 days I received a letter where TD Bank request 45 days to investigation and my case may be resolved. The bank sent me a provisional credit until the investigations finished. Until XX/XX/XXXX I did not receive any notification from Td Bank, so I assumed that the case was resolved. 

On XX/XX/XXXX I received a letter stating that the case was declined, and the bank was going to reverse my temporal credit by {$1000.00}. The debit happened on XX/XX/XXXX and from here my account was overdrawn, causing me to pay a total of {$280.00} for returns. 

Since XX/XX/XXXX that I received the letter, I have called the bank 10 times XXXX minimum ) to claim the decision because it is illegal and it is out of time : The bank requested me 45 days and it expired by XX/XX/XXXX. Now, they said that it is 90 days. They move the date at their convenience. I checked the TD Bank website, and it never says 90 days. 

TD Bank in the letter said that the reason for the first decline was because XXXX XXXX told them that the transaction was made from my cell phone. That's true!!. I reported it from the beginning.. I " Lost '' cell phone. They did not give me a valid reason. 

Despite this, on XX/XX/XXXX I sent to TD Bank a police report ( because td bank requested it XXXX to solve the case. Additionally, I sent my phone bill, where everybody can verify that on XX/XX/XXXX I had to request a new cell phone due to the loss of the previous one. 

As of XX/XX/XXXX when I received the letter, a second case was opened to review the final decision with all the documents that I attached, and today morning ( XX/XX/XXXX ), they tell me that the " XXXX card '' does not authorize the refunds ... I have business with a TD bank account, not with XXXX ... That is not my problem! 

I don't know where the protection that TD Bank XXXX to your customers.I have given proof that I lost the cellphone.From the beginning, when the transaction was pending and the problem was little, I called the TD Bank, but the bank let this grow. Not only do I claim my {$1000.00}, but also the reimbursement of the fees caused by the debit of the {$1000.00} made on XX/XX/XXXX ( until today, {$280.00} XXXX. 
I have tried 3 weeks to solve with TD Bank, I sent ev

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
account XXXX XXXX  reported false information t 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 explanation
Consumer complaint received 2020-05-16
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 — Investigation took more than 30 days
Company: Acceptance Rentals, Inc. (GA)

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results

Company response to consumer: Untimely response
Consumer complaint received 2022-01-18
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: T.S. Holdings (FL)

Complaint:
THS IS NOT A DULICATE COMPALINT. m writing this complaint to to address I.Q Data international inc to collect an alleged debt owed by me. This company has obtained my personal identification under false pretenses. I received a XXXX complaint that this account would be removed within 30 days. it has been over 90 days. this debt is damaging my credit report. IQ DATA INTERNATIONAL INC is a debt collector pursuant to 15 U.S. Code 1692a ( 6 ) and has violated my right to privacy by committing identity theft. 15 U.S. Code 1681a - Definitions ; rules of construction ( q ) Definitions Relating to Fraud Alerts. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.IQ DATA INTERNATIONAL has never received written instructions from me authorizing the furnishing of any information to third parties in violation of 15 U.S. Code 1681b.Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (NY)

Complaint:
I've paid commenity Bank ( XXXX ) card off to a XXXX balance but they still are reporting on my credit report past due and missed payments. They are really damaging my report for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
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. (CA)

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CT)

Complaint:
I complaining about the fact when before Navient my loan balance was {$11000.00} XXXX and now at XXXX, XXXX with Navient and thats insane just because i had my loan on forbearance because its very hard trying to make loan paying and rent at the same time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

Complaint:
I have submitted numerous complaints to the 3 credit bureaus indicating the numerous errors being reported on my consumer reports. They all claim that they have verified that all information being reported is accurate. However, this is not the case. I am now in a position where I am unable to secure employment, buy a house, and Im unable to build up my business all due to the credit bureaus refusal to report accurately. Please remove all negative and inaccurate information in my reports. This whole situation is ruining the quality of my life and my familys. Please see attachments. The attachments display all inaccuracies and unverified information. I am not requesting any more investigations, I want everything deleted from my reports that is negative and inaccurate. Do not investigate! Delete this unverified, inaccurate and fraudulent data. The bureaus have multiple credit profiles for me. This is a violation of my consumer rights. Please correct my name, address and delete all negative data from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (TN)

Complaint:
Some how a double payment was processed on XX/XX/23 and XX/XX/23 both in the amount of {$290.00}. When I seen this I contacted the Credit Card Aspire handled through the XXXX XXXX XXXX XXXX Told I would receive that over payment after investigation and days for a check to be mailed, asked for a credit back to the account it was paid from, they said no, but would expedite because of the temporary financial distress it has put me in. After giving it the time to receive the check, I used the card to pay utility bills, since the account was still showing a credit of {$290.00}. They have now charged my for those transactions, XXXX and still haven't to this day received a check or credit for the over payment. I keep getting misinformation about what is going on and what they are doing, last spoke to a supervisor XXXX, ID # XXXX, today, XX/XX/23, told to wait another 30 days to call again if nothing is received, nothing they can do. How many other customers have had this issue before and handled the same, I would think many.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
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: WELLS FARGO & COMPANY (RI)

Complaint:
XXXX  dont fixed report show error in my credit. Reporting account opened fraudulent of Wells Fargo/ XXXX XXXX and XXXX  XXXX lending Both account still showing opened current account is no mine and danger my score another reason put this complaint is because my credit is low compares other credit reported dont show correct fico score danger my record and limited opportunities get credit

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 2023-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IN)

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

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 2018-09-21
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Complaint:
I explained I am at work and can not receive call during the hours of Monday thru Friday XXXX to XXXX. They continue to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Complaint:
I sent the letters out to the bureaus on XX/XX/20 and I have not received any notification of the investigation being started. I feel like Im being taken advantage of. According to the FCRA these in accurate unverifiable items must be deleted immediately. Its been well over 30 days. I feel like I am being played with. I am extremely frustrated.

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 2016-01-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (TX)

Complaint:
XXXX XXXX is attempting to collect a debt that is over 7 years old by contending the close date was XXXX when in fact is was in XXXX. A typical tactic from a collection company to change the dates on a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
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. ()

Complaint:
This has been reported to XXXX XXXX, equifax, and XXXX XXXX different times. 

On XXXX XXXX I was in a car accident. On XXXX XXXX XXXX XXXX sent XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX A check for {$12000.00} Inwich was the balance that was owed on the car. XXXX XXXX has confirmed that this balance has been paid off but these credit bureaus do not want to do there job and correct there mistake. These credit bureaus with there actions keeps costing me thousands of dollars because they do not know what they are doing and they keep XXXX up my credit report when they do not do there job. I have attached a XXXX receipts from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BB&T CORPORATION (TX)

Complaint:
BBT frequently blocks access to my account and prevents me from taking money from my account under the pretense of security. Each time they put a block they asked that I step inside a branch with 2 forms of ID and then have to go through the excruciating process of sitting down with a banker and then call the fraud dept which has a 30-45 min hold. I had already stepped in the branch 2 weeks ago and now they are asking that I do that again - because I had submitted a bill pay. It is shameful that they hold customer funds this way under a security pretense.

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 2022-03-24
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: TOYOTA MOTOR CREDIT CORPORATION (NY)

Complaint:
Toyota financial fraudulently reported me to a credit agency and withheld critical information in their original response to my complaint they provided to you. The recording of my calls to Toyota Financial will support my version and the fact that their response to you intentionally withheld pertinent facts to their fraudulent reporting.

The final payment for my lease with Toyota Financial was due in XXXX of XXXX. As we were planning on buying out our lease, we did make the payment until we could confirm the total buyout amount. 

On XX/XX/XXXX I contacted Toyota Financial requesting the buyout amount. During that call, the representative informed me that I had an outstanding payment and asked if we hadnt paid due to our plan to buyout the lease. When I confirmed that plan, he waived our late fee and rolled the final payment into the total buyout amount. There was no mention of me needing to make that payment outside of the buyout in order to avoid being reported to the credit agencies. I was told Toyota needed to receive the buyout by XX/XX/XXXX. Please ask to hear the recording which will support my description of the call. 

Once I received the buyout package, I obtained financing and sent the check and documents to Toyota. This package was tracked and received by Toyota Financial prior to XX/XX/XXXX. 

I called Toyota Financial back 10 days after my initial call which was also after they received the package with my check. I asked if there was anything additional that I needed to do. I was told that I would hear from Toyota if there was anything needed. I was not asked to make any additional payments or warned about being reported. Please ask to hear the calls recording to support my version above.

Questions for Toyota Financial to answer. If they cant, then their actions demonstrate fraudulent reporting I am accusing them of. Why would they include the final payment in my payoff amount if they expected me to pay outside of the payoff? Were they expecting me to knowingly request an incorrect financing amount from my FI? If they reviewed my call notes and listened to the recordings, why did they withhold the points I raised in their response to my complaint?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Complaint:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation