hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Complaint:
XXXX XXXX Last XXXX of XXXX XXXX & XXXX XX/XX/XXXX Credit Bureau XXXX TransUnion XXXX XXXX To Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE BALANCE of {$480.00}. XXXX on XXXX, Transunion, and XXXX how can First Premier, opened XX/XX/XXXX This is a violation of the FCRA XXXX XXXX XXXX ( I ) XXXX XXXX XXXX ( XXXX ) Civil liability for willful noncompliance XXXX XXXX XXXX ( o ) Civil liability for negligent noncompliance 15 USC code 1681e Compliance procedures and is also in violation of requisite XXXX XXXX Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be reinvestigated and permanently removed from my report. I await your reply as I have already waited 30 days and you have Failed to complete an complete investigation on this account Their is also false inaccurate incomplete Inconsistent payment history made so all three reporting agencies XXXX shows payment history within the last 24 months This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately : XXXX shows payment history within the last 24 months This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately : Transunion shows no payment history within the last 24 months

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 2015-03-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (AR)

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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. (PA)

Complaint:
I have reviewed my report and I noticed some inaccurate information.

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 2018-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (NC)

Complaint:
My complaint is both PHEAA and XXXX are reporting the status of an account with two different account numbers PHEAA # XXXX and XXXX # XXXX respectively, different dates, different balances? to all nationwide consumer reporting agencies. Additionally PHEAA continues to contact we and not my attorney who is currently handing my account via POA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Complaint:
I recently received notices of the decision to close my credit card accounts for personal and business ( 2 of the 4 accounts ) : 27 year old, {$51000.00} credit line Account # XXXX 2 year old, {$10000.00}, Account # XXXX The reason stated Irregular authorized activity. Now my accounts are flagged as Bad Status. This is very disappointing for I have never had a negative implications or markers on these account or credit report. My credit history in impeccable. I pride myself on my established and strong credit reporting history and do not take this lightly of this unfortunate and abrupt termination of all my BofA accounts. 

It needs to be noted and high considered that this termination does impact my access to financial wealth, credit accessibility, and relationship with BofA. 

Permission to Add Authorize Users : To ensure I was not in violation of BofA credit card policy. On XX/XX/2020, I called and spoke to a representative named XXXX in the fraud department. I asked was the call being recorded and proceeded to ask for confirmation that it is permissible to add my described persons as an authorized user. She did confirm the call was recorded, and stated my intentions were permissible. 


In addition, I had more than {$400.00} Cash Rewards that is no longer available because BofA forfeited the funds. This too needs to be reversed, and a cash fund that I earned need to be allocated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (FL)

Complaint:
I realized there was a debt on my credit from XXXX. I have never had a phone with XXXX or any services with XXXX. My father has the same name as me and he does have XXXX. I think the debt may belong to him.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

Complaint:
I closed my business checking account with Citibank on XX/XX/21 via the phone. Citibank claims to have mailed me a check. It never came. I called Citibank to alert them. They said they would issue a replacement check. The replacement check never came. Two lost checks in the mail seems suspicious. 

After numerous phone calls, and one month later, I arranged to pick up the funds at the local branch. It was explained to me that in order for me to pick up the monies at the branch, they would have to cancel the second check ( apparently, they canceled the initial check in order to issue the second check ), in order to transfer money to the branch 's general ledger, so I could in fact pick up the monies. 

I repeatedly asked for documentation -- copies of the two canceled checks -- as of today, I have yet to receive. 

While I did finally receive my funds, two loose checks are floating around with my name on it. I would like proof -- documentation -- that those two checks were canceled. 

Citibank is a finial institution that is supposed to keep accurate records. I am not sure why they refuse to share with me proof that they mailed the two checks. Right now, they are claiming that the XXXX Postal Service lost the mail -- yet, they refuse to provide docmentiaon that the checks were ever issued. 

Please provide a copy of the canceled checks, and a copy of the actual checks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
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: Experian Information Solutions Inc. (CA)

Complaint:
In accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2023-07-02
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. (NC)

Complaint:
The list of accounts below have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C 1681.

The accounts listed below does not belong to me. I request that any sign contracts or disclosures be sent with my written consent. 

XXXX XXXX XXXX XXXX XXXX XXXX Hard inquiries do not acknowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please reinvestigate the accounts listed

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 2022-07-27
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: Bread Financial Holdings, Inc. (NJ)

Complaint:
BJ 's Master Card serviced by Comenity Bank ( Bread Financial ) since XX/XX/2022 can not access my account either on line or through a representaive at the bank. The Bank can not provide me with any details or send me a statement of the charges on my account. I am not able to make payments on the account either on line or by phone. Their response is they can see that my account is active but can not see any details. I have been calling them since XX/XX/2022 and can not get this resolved as they continue to tell me their nothing they can do to help me. Since I can not access my account I can not provdie any futher details.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Complaint:
Hi my name is XXXX XXXX .I got a call from Citizen Bank saying that if you were the one who withdrew {$80.00} and {$200.00} from an ATM machine at XXXX XXXX XXXX MA XXXX. I replied saying no that was not me and mentioning to them that it must have been a fake card because mine was in my wallet at that time. They asked me to file a fraud claim and said that they would send me a new card, so I filed a claim three times and they only refund {$80.00} not the other {$200.00} and they said that the other {$200.00} was me although I told them that it was not me when called. I tried to call them multiple times but they would not cooperate with me. 
This is my claim number XXXX The company is Citizen Bank . 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

Complaint:
So I take my credit report and Wakefield and associates has two accounts put on my credit report and they're both identical for one they are double reporting which is unfair and not correct for two my ID was stolen I reported that to the police and my passport was stolen and I reported that to the agency I was supposed to as well and out of nowhere months later this appears on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (IA)

Complaint:
US BANK allowed a debit transaction to process when there wasn't sufficient funds in the account to satisfy debit amount, without my permission. The consequence being my account being overdrawn. To which US BANK promptly added a overdraft charge of {$36.00}, a maintence fee of {$14.00}, and {$.00} service tax. When I contacted customer service, demanding a reversal of charges because I did not authorize said transaction. But also, US BANK should protect their clients accounts from such transactions is their are insufficient the in the account. Instead, US BANK designs their mobile app to have a default setting ALLOWING transactions to complete WITHOUT SUFFICIENT FUNDS. The support rep explained that I could change this overdraft setting, if I preferred. But nowhere, on their app or website, does the bank inform their customers that there is a setting for overdraft permissions and that it's default setting is in " allowed overdrafts '' mode. 

. This obvious fraud, as in the bank 's monetary gain from overdraft charges in the amount of {$36.00} per overdraft, needs to be addressed immediately. THIS IS OBVIOUSLY INTENTIONAL in order to financially gain from overdraft fees and 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 explanation
Consumer complaint received 2021-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (OR)

Complaint:
Barclays will not stand behind us on travel services not delivered. They are using the excuse that the charge is over three months old. The problem is there was no problem until only a few weeks ago when the travel promotion company canceled our prepaid contract due to their interpretation of what they said broke the contract. They accused us of traveling with a party to their destination which would break the contract. However, we we were not traveling with a group. They used a change of flight plans due to the airlines that require a new arrival date and we requested to stay at the original resort. They first agreed to work with us but then abruptly canceled our reservation and kept our money with the excuse we were now traveling with a group. This is simply not true. We sent all documents to Barclays as requested. This is a scam, not only by the travel company in XXXX but by Barclays who promises to stand by deliverance of services. Since we paid well in advance of the reservation, they are using the lapse of time between when we prepaid and the promised delivery date. This is not right or ethical. How could we challenge within 3 months if the promised services were ten months away? If that is the case, their policy of standing behind deliverance of services should say explicitly they will not honor prepaid travel services if paid more than 3 months ago.

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 2021-12-07
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. (PA)

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX of XXXX : XX/XX/2021 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (DE)

Complaint:
Deposit {$1400.00} was made by another person my Wells Fargo checking account on XXXX XXXX. A few days later XXXX XXXX Wells Fargo sent me an email message that they are putting the deposit on hold until XXXX XXXX. I contacted Wells Fargo, who claimed insufficient fund to clean check. Even though the {$1400.00} was removed form the other person bank ( XXXX ) XXXX XXXX,2021.A statement sent to my buy the person who made the deposit.

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 2017-05-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Vital Solutions, Inc. (NY)

Complaint:
Vital Recovery Services , a debt collection agency, keeps calling me to collect on a matured auto lease. I have informed them multiple times that the account has been paid in full and closed ( which I confirmed with auto fina nce company ), but t hey will not listen and keep calling to hassle me. I told them to contact the auto finance company directly to sort out the issue, but they have refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
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. (FL)

Complaint:
I called XXXX to remove the inquiries that were not authorized by me and was told to call the company who created the inquiry in which I have already done so. I requested the following inquiries be removed as it is erroneous : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX Per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 2017-10-14
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. (TX)

Complaint:
These accounts are not mines and some are 7 years old or more. 

XXXX XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX + {$1000.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX + {$200.00} Closed XXXX XXXX XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX - {$3000.00} In Collections/Charge-off The three collection below are not mines and I disputed prior to being posted to credit report. Some have been re-posted to report after being disputed and deleted. 

COLLECTIONS XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$5900.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$3800.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$310.00} Needs Attention

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 2018-07-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: North Shore Agency, LLC (NY)

Complaint:
The North Shore Agency debt collection agency attempts to collect {$100.00} for the XXXX XXXX ( Creditor ) Account # XXXX It claimed that they sent me jewelry in which I had never ordered nor did I receive it.

The debt collection agency web is XXXX The automated attendant toll free number is XXXX The address is North Shore Agency -- XXXX  XXXX XXXX XXXX XXXX XXXX, NY 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