hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-02-22
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: Experian Information Solutions Inc. (PR)

Complaint:
Ive been a victim of identity theft someone used my information to obtain credit, and applied for several creditcards and loans that I havent authorize them to check my credit here are the inquires that are fraudulent I didnt authorize them to check my credit Hard inquiries XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on 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 non-monetary relief
Consumer complaint received 2022-11-17
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: SYNCHRONY FINANCIAL (MN)

Complaint:
In XX/XX/XXXX, I called and wrote re : disputed unauthorized charges/purchases and products not delivered to me on a PayPal Account w/Synchrony Bank XXXX The disputed charges were all found in my favor and account closed. In XX/XX/XXXX, I received another bill for the same charges. When I contacted PayPal, was told a new account was opened and the disputed charges were put back on the new account, which was not authorized by me. Again there was an investigation and that account was closed. I was told my credit score would be rectified. Again in XX/XX/XXXX, I received another bill from PayPal. The charges were again on another PayPal Account, which I did not open. I wrote and provided evidence for an investigation. I was not notified of the outcome. Instead in XX/XX/XXXX, I received another bill on a new unauthorized PayPal Account for the previously disputed charges from XXXX, with fees and interest. Within two days of receiving that statement there was a late payment credit report made by PayPal. I am beyond frustrated with this company!

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 2023-09-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Complaint:
I am a bank of America XXXX card holder. They were ordered to pay back claims by the cfpb as well as compensate for our losses. 
They have locked me out of my account. They are now trying to use a deposit made by the state of az for partial payments they owed me, and say they are part of my claim. They also have added claims to my account that are not even possible... ..in total my only claim filed was for XXXX XXXX and XXXX That does not include the XXXX $ that they rejected in unemployment funds because my account was frozen. 
I have been calling them for 1 month now XXXX and they just pass me around and hang up on me. Now they said that my claims have already been paid out? 
They are stealing money still.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Complaint:
I have repeatedly tried to unlock my XXXX Report from the fraud alert that was placed on my credit profiles without my prior written consent to do so and it is currently hindering me from being able to qualify for the purchase of my home. This is causing great stress and frustration to myself and y family. I have called multiple times and mailed several letters but the problem still exists.

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 2020-04-28
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. (MA)

Complaint:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX  XXXX XXXX  XXXX  XXXX {$600.00} US DEPT ED XXXX {$6000.00} XXXX XXXX XXXX {$330.00} COLLECTION XXXX {$7000.00} COLLECTION XXXX {$510.00} XXXX XXXX {$4500.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MD)

Complaint:
Citibank closed my checking account on XX/XX/ for no reason and I had {$2400.00} in the account. Citibank has not sent me a check for the amount and has not told me why the account was closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-25
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. (AZ)

Complaint:
Trans Union, XXXX  and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2022-04-06
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. (FL)

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-07-21
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. (SC)

Complaint:
This collection was disputed and removed then placed back on my account. This collection was removed because i did not owe XXXX this debt and they couldn't provide the information to placed this alleged debt on me. This collection must be removed from my credit report immediately for it is in violation. I also provided the letter saying that they will removed the collection.

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 2018-06-20
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. (CT)

Complaint:
Had an error on my Transunion and XXXX reports, XXXX XXXX XXXX and their collection agency XXXX XXXX, ( XXXX has since been removed from XXXX   but XXXX XXXX XXXX remains ) this account was paid in FULL, however Transunion verified it all 4 times I disputed it as did XXXX, so I show Transunion AND XXXX my bank statement showing PAID, they said " the statement is too old '' well the debt was from back then so OF COURSE the bank statement must be from back when the debt was created / paid right? 

Also if they can not accept anything so " old '' how can they accept this companies " verification ''? that must be just as old right? this just smells like fraud to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
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: AMERICAN EXPRESS COMPANY (CO)

Complaint:
I have a Business Gold Rewards Card from American Express. American Express provides customers " Amex Offers '' that are discounts and credits for making certain purchases at merchants. One of these offers I added to my account ( approximately XX/XX/XXXX ) was for {$25.00} credit back to my account if I spent {$120.00} or more on one or more purchases at XXXX by XXXX XXXX, 2017. On XX/XX/XXXX, before making the purchases at XXXX, I went to my American Express account and double checked the offer was still added to my account. It was. On XX/XX/XXXX, I went ahead and made the appropriate purchases ( {$50.00} and {$75.00} ) at XXXX using the appropriate credit card. Four days later I checked my American Express account and noticed that the credit did not post to my account. So I initiated an online chat with American Express, asking them when the {$25.00} credit would post to my account. After 30 minutes of checking, the American Express agent said that the offer was not properly enrolled to my account and I would not get the {$25.00} credit. The agent asked me to provide a screenshot of the offer to prove I added it to my account. Flabbergasted, I asked the agent if Amex now requires customers to take screenshots each time they interact with their account because Amex 's computer system can not be trusted? The agent offered to start an internal investigation into the matter, which would take 6 to 8 weeks. I found this resolution not appropriate. I was transferred to a manager who repeated the same as the previous agent. The manager said he could not manually credit my account the {$25.00} because of policies. I asked the manager if Amex requires customers to take screenshots of when they make changes to their account and said while it is not required, it would be helpful. I told them their investigation is purely away to wash their hands of a computer system error. I said the appropriate resolution would be to manually credit {$25.00} to my account AND make an investigation. The manager also said that when I added the XXXX Amex Offer to my account I should have received an email confirmation. This is further proof their computer system is problematic. Over the last year I have added more than a dozen Amex Offers to my account and approximately 30 % of the time I get an email confirmation when I add an offer ; the other 70 % of the time there is no email confirmation but I do see it online when I log into my American Express account. I ask American Express to credit my account the {$25.00}. From now on when dealing with American Express I will take screenshots of each action I take online. I can not trust them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (NJ)

Complaint:
National Credit Systems was contracted by XXXX XXXX XXXX to collect a debts which is based on a civil judgement meted out XXXX XXXX  Municipal Court in XXXX, Pennsylvania. I was ordered by Judge XXXX to pay a specific amount to XXXX XXXX XXXX, an amount which I have since paid to XXXX XXXX. National Credit Systems has insisted that I pay an amount to XXXX XXXX which is more than the court order administered by judge XXXX. I have sent documentation in addition to the copy of the court order to both National Credit Systems and XXXX. Both respective companies have chose to ignore the court document which is proof positive of the correct amount that is owed to XXXX XXXX. XXXX XXXX has purposely decided to report an incorrect that is owed to circumvent the civil judgment administered by Judge XXXX as a method to navigate around the law which disallows civil judgments from being reported to the major credit bureaus in the absence of particular vital information on the civil judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (FL)

Complaint:
I have received several call and mail from XXXX XXXX XXXX XXXX. 
phone # ( XXXX ) XXXX associated with Synchrony Net work ( XXXX ) XXXX I got to an agreement if a paid a settlement amount they will stop contacting me, clear my record from all 3 bureaus, so I have paid the settlement of {$1500.00} on XX/XX/2020, I have received the letter that I have complied with settlement. my complain is about the agreement to clear and removed account from all 3 bureaus, this has not been done and even though I complied with settlement they haven't.

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 2022-01-27
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. (TX)

Complaint:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2018-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NC)

Complaint:
CitiBank automatically set up a transfer from my Citi Forward card to a new credit card they created called the Citi ThankYou card. In the process of doing so they left bard cards active and set up a process of transferring purchases from one card to the other. Since both cards were technically active they then charged me duplicate interest charges. When I questioned them as to why I was charged interest on my Citi Forward card they said it was because it had a balance, yet they also said that balance was transferred to my Citi ThankYou card. I  had called them days before the interest was to be charged and they said to not worry about it and that no interest would be charged. But, when I called in after seeing they charge they told me the interest charge was valid. I feel like they are both taking advantage of me and also displaying inaccurate/confusing/malicious information on my account website. I also worry they are harming my credit score because of the 2 duplicate balances being reported. I 've attached screenshots where you can see I 'm being shown duplicate charges and duplicate interest on both accounts. They post that during transfer consumers will be shown inaccurate information, yet I have no way of knowing what is accurate as each time I contact them I 'm told something different.

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 2023-08-07
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: Experian Information Solutions Inc. (IL)

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (LA)

Complaint:
Hello, I was recently contacted by Midland Credit Management about a past due debt charged off by XXXX XXXX. Upon reviewing the alleged debt, I am certain this debt is not mine. I have called XXXX and requested documentation dating back until XX/XX/2020 ( when the credit card was apparently first opened ). They were unhelpful and told me they no longer had these documents. I told them under federal law banks are required to keep records for at least five years. After being transferred to the supervisor, he dismissed what I had to say and hung up on me. 

Alleged debt owed : {$1600.00} MCM Acct # : XXXX XXXX Acct # : last XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
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:
There are fraudulent accounts being reported. I submitted to the bureau a police report, theft affidavit, and identification documents. They have yet to remove all of the fraudulent accounts per FCRA 605b Block.

FCRA 605B ( 15 U.S.C. 1681c-2 ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information. in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than They are still reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-26
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. (OH)

Complaint:
my personal information was compromised by the 3 credit bureaus and i have repeatedly asked them to not publish any information about me or that is not confirmed in writing to be my information without my written consent they have never provided any information or documentation that shows my signature or hand writing that says i gave them any permission to collect or report any information these XXXX companies transunion, XXXX, XXXX are violationg my rights my privacy and they are clearly breaking laws they need to delete all accounts immediately without question ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX ACCOUNTS : XXXX XXXX XXXX - acct # XXXX XXXX XXXX XXXX - acct # XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX US DEPT OF EDXXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX acct # XXXX, XXXX & XXXX - acct # XXXX XXXX XXXX XXXX- acct # XXXX XXXX XXXX - acct # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
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 — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP (CA)

Complaint:
I REPORTED TO HONDA FINANCIAL THAT MY CAR PAYMENT HISTORY WAS NOT REPORTING TO MY CREDIT FILE. I'VE JUST RECENTLY PAID THE CAR OFF BUT IT'S STILL NOT SHOWING AND I NEED THIS ACCOUNT TO SHOW PAID AS AGREED AND NEVER LATE BECAUSE I WANT TO PURCHASE A HOME SOON AND I UNDERSTAND THAT THIS WILL HELP ME ALOT HAVING A PAID CAR LOAN REPORTING TO MY FILE. I'M ATTACHING A COPY OF THE LETTER HONDA JUST SENT ME SHOWING PROOF.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Experian Information Solutions Inc. (FL)

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 an account without my written instructions.

15 U.S.C 1681 section 602 A. States I have the right to privacy

Company response to consumer: Closed with non-monetary relief