hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-02-17
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. (AR)

Complaint:
This is the second time I have had identity theft. I'm not sure what is going on, but this second time I decided to pull my credit report because I knew something is not right. When I looked through my report there was a list of fraudulent items on my report. Please remove these accounts from my credit. 

BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} XXXX   XXXX {$2600.00} XXXX XXXX {$960.00} XXXX XXXX {$18.00} XXXX XXXX XXXX {$21000.00} USDOEXXXXI XXXX {$1500.00} XXXX  XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX {$9800.00} XXXX  XXXX {$5300.00} XXXX XXXX, XXXX XXXX {$820.00} XXXX   XXXX {$170.00} XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX {$170.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$82.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$820.00} XXXX XXXX  XXXX {$280.00}

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 2017-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUN WEST MORTGAGE COMPANY, INC. (CA)

Complaint:
Our check payment was purposely held up by Sun West Mortgage Company to be able to prematurely report us as 30 day delinquent and prevent us from refinancing with another mortgage company. Our mortgage is due every XX/XX/XXXX of the month. This XX/XX/XXXX we mailed our check on the XX/XX/XXXX to Sun West 's XXXX Ca Office. Mail should not take more than 5 days for our payment to get to them as we also live in California. On XX/XX/XXXX, a 30 day mortgage delinquency report was filed to the three credit bureaus which led to the credit score of my husband to drop by more than 100 points. Please note that XX/XX/XXXX is only the 29th day from our due date. We were trying to refinance with another company since Sun West sat on our refinance with cash out application which we started XX/XX/XXXX. Sun West knew that we were trying to move, thus the malicious report. Initially, SunWest 's customer service confirmed to us via phone that they received our XX/XX/XXXX check payment on XX/XX/XXXX which means that we made it on the 30th day and we should not have been reported. The malicious report they did halted any chance for us to refinance either with them or any company for the next 12 months. . Based on FCRA Compliance, delinquencies are calculated based on the due date. The credit reporting options for reporting late payments does not include one for being 1-29 days late. This doesnt exist and any lender that attempts to report someone as being late before they are full 30 days past the due date is providing knowingly an incorrect information to a credit reporting agency. We begged them over the phone several times XX/XX/XXXX, emailed for reconsideration and wrote a formal letter requesting clemency on the delinquency report ( upon their advice ) only to find out that we have already been reported. All our pleadings were unheeded despite the fact that we are existing clients for almost three years now and have never been late in our payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY (MA)

Complaint:
XXXX XXXX order # XXXX for purchase & high wall mount install of 43 '' XXXX TV, XXXX XXXX Purchased gift for me by my son XXXX XXXX XXXX XXXX his credit card for XXXX XXXX XXXXnstall on XXXX/XXXX/XXXX. 
Delivery of wrong mount & reorder XXXX/XXXX/XXXX, correct mount BBY XXXX, additional {$200.00} cc. 
Install XXXX/XXXX/XXXX, XXXX to XXXX by XXXX XXXX XXXX XXXX --, demo ok, another $ XXXX & refused return-credit. 
Not touched after demo, no service XXXX next morning, spent entire day with all involved, no success. 
XXXX XXXX 's would not come until the following Tuesday XXXX/XXXX/XXXX order XXXX. Sunday XXXX/XXXX/XXXX my repair tech found the cable installed by XXXX XXXX tech XXXX -- broke at connection, too short. He installed a replacement 15 ' HDMi cable {$32.00} and 1 hour service call!. My appeals for $ $ $ Satisfaction and Application of XXXX XXXX  's Policies have died at the Store Manager 's level. Attachments support all the foregoing!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (WA)

Complaint:
XX/XX/23, XXXX Discord XX/XX/23, XXXX XXXX XXXX Both times I contacted fraud department and disputed. Received new debit card. These debit cards have both been compromised on XXXX side. The XX/XX/XXXX charge was for a card Ive never used. They are not reporting a breach but it is very much appearing as if they have XXXX. This is an ABLE account which is for XXXX people and we dont have another bank option or Id leave this bank. Theyve placed a warning on their site about fraudulent streaming charges on cards that havent even been activated. Whats the point of activating if the card is being stolen and used before its even activated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
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: Experian Information Solutions Inc. (MO)

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX ( CLOSED ) XXXX Account Name : XXXX XXXX  Account Name : XXXX XXXX XXXX ( CLOSED ) XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2017-07-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

Complaint:
I sent the company a certified letter dated XXXX XXXX,2017 stating '' This letter is regarding Act. # XXXX, which is listed Discharged in Bankruptcy. This is a formal notice that your claim is disputed. '' I never received any response back from the company about my dispute nor was it ever listed that I was disputing this account on any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Dyck-O'Neal, Inc. (NY)

Complaint:
Dyck Oneal is falsely reporting a collections account as an unsecured loan. I did not take a loan with this company. The debt owed was a settlement on a short sale of a property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
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: U.S. BANCORP (CO)

Complaint:
Received a phone call from XXXX XXXX at XXXX on XX/XX/22 for case XXXX. Left messages. His recording states that calls will be returned within 24 hours. No response. 

Phoned Elan credit card disputes department again on XX/XX/22 and agent stated that the dispute would be escalated due to 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 2023-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Complaint:
On XX/XX/XXXX I tried to notify the bank that an unauthorized ACH withdrawal had been made on my account. The employee ( on telephone ) said he was having trouble restricting the account. So I went to the branch on that day and they restricted the account and opened a new account but they were not able to transfer the funds ( {$63000.00} ) from the restricted account to the new account. 

The next day I tried again to have the funds transferred to the new account. They failed and said to try again the next day. The next day they failed again and said they were very busy and to try another branch. Which I did. The new branch again tried to transfer the funds and failed and so said they would send the problem to the " Branch Complaint Escalation Team. '' 6 days later that rep called and said he could not help and to call the " Telephone Bankers Check Releasing Hold dept. '' Which I did. They said it was not their problem and it could only be handled at the branch.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
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: Maximus Education, LLC dba Aidvantage (AZ)

Complaint:
In accordance with the fair credit Reporting act XXXX Account Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
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. (NC)

Complaint:
The Credit Bureaus stated that my XXXX XXXX account was properly investigated, but how is that possible if the High Balance is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Closed Date is inaccurate, the Creditor Type is inaccurate, the Creditor Remarks are inaccurate, the Last Payment Date is inaccurate, the Account Type is inaccurate, the Credit Limit is inaccurate, and the Date of Last activity is not accurate, each of these are a SEPARATE VIOLATION. They also UNLAWFULLY reported COLLECTIONS on my payment history in these months and years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX each of these dates are a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing and transportation for myself and my child! This is grounds for removal. They also violated my rights under 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
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: Navient Solutions, LLC. (PA)

Complaint:
Creditor : XXXX  XXXX XXXX - XXXX Creditor : XXXX XXXX  XXXX Account XXXX Creditor : XXXX XXXX - Account : XXXX Creditor : NAVIENT - Account XXXX Creditor : navient - Account : XXXX Creditor : XXXX - Account XXXX Creditor : XXXX XXXX - XXXX Creditor : XXXX - Account XXXX Hello this a complaint for the credit companies mis reporting such as XXXX, XXXX, XXXX these accounts are miss reporting on my credit report and they are reporting the same debt multiple times to the point i cant get any new lines of credit because of them. I also wanted help with getting the Navient loan forgave I am a XXXX veterans please give me a call at

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (AZ)

Complaint:
Chase Account # XXXX XXXX XXXX XXXX for {$35000.00} are the sole responsibility of XXXX XXXX XXXX, DOB=XXXX, XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX, SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

Complaint:
in accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX LA XXXX XXXX, LA XXXX account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 15 U.S.C1681 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 AGNCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 18 U.S. CODE 8

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: College Ave Student Loan Servicing, LLC (PA)

Complaint:
2 payments were missed, XX/XX/XXXX and XX/XX/2019. The payments were supposed to be directly debited from my parents account after the initial payment in XX/XX/2019. Once the error was corrected, the loan has been paid automatically on time ever since.

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 2023-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
In accordance with the fair credit reporting act, the following creditors have violated my rights : XXXX ... XXXX ... ... ... ... ... ... ... ... ... ... .. account # XXXX, XXXX ... ... XXXX XXXX XXXX ... ... ... ... ... ... .. account # XXXX, XXXX XXXX XXXX ... ... ... XXXX XXXX ... ... ... ... ... ... ... .. account # XXXX, XXXX XXXX ... ... ... ... ... XXXX XXXX XXXX XXXX accoun t # XXXX, XXXX XXXX ... ... ... .account # XXXX, XXXX XXXX XXXX XXXX ... ... .... account # XXXX, XXXX XXXX XXXX ... .... account # XXXX, XXXX XXXX XXXX XXXX XXXX ... ... ... ... ... ... ... .account # XXXX, Department of ED/XXXX ... ... ... ... .account # XXXX, XXXX XXXX ... ... ... ... ... ... ... ... ... ... ... ..account # XXXX. 



15 U.S.C. 1681 Section 602A states I have a right to privacy.

15 U.S.C Section 602 Section 2. It also states a consumer reporting agency can not furnish an 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 2018-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. ()

Complaint:
I check on my credit report and it showed I have 7 credit cards and 1 loan, but in fact I only have 1 credit card and there is no balance on the card. I've never applied for loans!

Also I was told there is a delinquency which affected my credit scores. I believe someone has been using my identity and taking a load without my permission. It has seriously affected my credit score. Please help.

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 2023-02-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Complaint:
Wells fargo fraudulently opened a savings and checking account in my name.

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 2022-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Complaint:
Since XXXX I was reviewing my credit report and a bank that I had opened in the past closed AND CHARGED OFF for an overdraft amount that is different from the balance that the Credit Union is reporting to the Credit Bureau. This was a checking and savings account and there was NEVER A LOAN THERE WAS NEVER AN ACTIVE TRADELINE ON THIS ACCOUNT. and for years it continues to report a balance and CO when in fact this was a checking account. 

On XX/XX/22 I sent letters requesting a proper and fair investigation XX/XX/22 XX/XX/22 The account is CLOSED this means the account has not been properly verified. I provided proof and also followed up requesting that they look into this matter.

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 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (WI)

Complaint:
I have been back and forth with APPLE GOLDMAN SACHS for over 1 year now. I submitted my disputes 3 different times. XX/XX/2021 I sent out letters to APPLE GOLDMAN SACHS in regards to items being charged to my account that are not my doing. They refunded me for some items and charged me for other items. MIND YOU THESE ARE ALL THE SAME TRANSACTIONS. I'm familiar with deceptive practices but this is too much! I am a single father and I work 12-13 hour days. HOW CAN THEY REFUND ME FOR THE SAME EXACT ITEM AND CHARGE ME FOR THE NEXT EXACT ITEM??? 
They even closed my account and now are making me pay {$42000.00} worth of charges I DID NOT CONSENT TO NOR HAVE KNOWLEDGE OF! Its clear as day this is a deceptive practice. How can you refund some and charge the rest when its all the same transactions! 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION (TX)

Complaint:
I previously paid off this collection for a XXXX bill on XX/XX/XXXX/17. After requesting my credit report and seeing it was still posted I called and spoke with representative XXXX XXXX and requested the collections to remove the delinquency from my credit report however he told me the company was unable to complete a deletion. I confirmed that although the collection was paid in full that it could not be removed and the representative told me they are not able to remove the delinquency. I do not believe this is true of a collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation