hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-08-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Complaint:
This company did not complete an accurate investigation for the fraudulent account on my credit report. I have submitted my FTC report along with dispute letters since XX/XX/2021.

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 2022-08-25
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. (FL)

Complaint:
Transunion is reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2018-03-10
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ACIMA CREDIT, LLC (WA)

Complaint:
On XX/XX/17 I received an email from the collections department of Acima stating that my payment was in default, this email illegally disclosed my debt to multiple third parties as this was a chain email sent to multiple customers and I'm turn disclosed these customers debt to myself, without their permission or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
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. (OK)

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX 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 2020-08-09
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. (GA)

Complaint:
The company sent a letter stating they were stopping all collections on this account and it has been deleted from XXXX and XXXX but experian will not delete the account falter submission of the letter from the creditor and proof that it has been deleted from the other credit bureaus. Also submitted proof that other collections accounts have been deleted from my XXXX and XXXX reports but experian still has them on my report which is keeping my score 50+ points below what the other reporting agencies have. Ive submitted this prof in a dispute To experian and theres still no Change

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 2022-09-25
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:
Showing on report as late when account was never issued to me in writing or given permission to report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (AL)

Complaint:
The account with Santander on my credit report was paid in 2015. The balance is {$0.00}. However, the account payment status is reporting as 90 days late. This is clearly WRONG. I have disputed this information. The company verified the information as accurate. Again, this is clearly WRONG! The account can NOT be paid, and closed with a {$0.00} balance and be 90 days late at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Complaint:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account numbers XXXX and reporting incorrectly that I am ( 30 ) days late on partial account numbers XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Complaint:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$370.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Complaint:
I, XXXX XXXX XXXX XXXX have been a victim of identity theft and impacted by the Louisiana and XXXX data breaches. As a result, as a Louisiana resident, my personal information was exposed in the breaches that made global news. I'm a victim of identity theft, and the accounts and inquiries listed result from identity theft. 

Accounts & inquiries that are not mine and a result of identity theft are below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION (CA)

Complaint:
On XX/XX/2020 NF reported to XXXX I was 30 days late for {$12.00} on my Navy Federal Visa card. Up to this date, I was unaware I had a balance or if the account was still even open. The last time I spoke to NF regarding this account was on XX/XX/2020 when their security department informed me that they were closing my visa account because I had not applied for the car and blocking my online access to all of my accounts. I had not receive any invoices on this account nor able to log in online to get my statement. I didn't think I was late because as of XXXX XXXX., NF had reported to XXXX that my account was current. NF is reporting different and conflicting reports to the credit bureau regarding this account. Per NF, the visa account was closed because I had not applied for the card. So why am I being held responsible for an account I didn't apply for? And how am I supposed to know I owed a balance on an account deemed not applied by myself I don't receive statements or ability to get statements online? 

Why am i being charged {$20.00} per month? What is that {$20.00} charge? It's not a late fee nor interest. My balance has climbed from {$12.00} to {$92.00} in 5 months

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
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: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

Complaint:
CREDITOR NAME : XXXX BANK XXXX XXXX : {$3500.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX XXXX AMOUNT : {$18000.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX XXXX XXXX AMOUNT : $ - DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (IL)

Complaint:
This account was a result of identity theft. I have never paid this company any money and it is reporting on my credit report as paid. I spoke with the original creditor and we were upon an agreement. We were in the process of purchasing property and decided to pay it with the original creditor not to Penn Credit as they are reporting. I do not live at the address where this took place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
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: EQUIFAX, INC. (FL)

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account that needs to be investigated and corrected for erroneous reporting in my file is listed on my credit report. Thank you. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-09
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

Complaint:
In XXXX XXXX, I was contacted along with my friends regarding being taken to court for a debt from ACE Cash Express. They refused to give me any information regarding proof except to continue to threaten me and the individuals they claimed were listed on as references. Even when I made arrangement to pay {$150.00} and gave them my bank account # out of fear they would file with XXXX courts, they continued to call and harass me and my friends. I spoke to a young lady by the name of XXXX XXXX who was very helpful in explaining that they would adjust the date to ensure funds were available when they withdraw. The payment schedules were in line with my pay dates. However for the month of XXXX the payment schedule was changed to be the week after my pay date which is a conflict with other bills. I contacted the agency on several dates this week to ask why the payment had not been withdrawn. After XXXX XXXX. I was provide the contact number of XXXX and XXXX answered. When I requested proof of the debt, She stated it would not be provided until after the debt was settled. she said I had a balanced of {$1200.00} left to settle the debt. When I asked to change the date back to this week she said it would not be changed. She then said I had the option to not continue to work with the company and the matter be forwarded to the courts. I told her I was not trying to be difficult but I have paid over {$1800.00} to this company already without any proof due to scare tactics and do n't want it be that they had no legal authority to collect this debt when I finish making payments

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (NJ)

Complaint:
Synchrony bank/ Walmart has been reporting with XXXX , XXXX and XXXX that I have XXXX accounts with them which is affecting my credit report and credit score. They are reporting that I had XXXX Walmart accounts. 

XX/XX/2016 amount XXXX XX/XX/2016 amount XXXX The account with the amount of XXXX is not mine and needs to be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
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. (KS)

Complaint:
Experian agent would do nothing.  I have multiple accounts in "good standing" and "pays as agreed" but $XXXX balance and still showing "payments monthly" ie $XXXX  balance and $XXXX due monthly .  This is wrong.  The creditor looks at this and sees $XXXX   on each account of 10 accounts with $XXXX balance and thinks I owe $XXXX  monthly!  This doesn't make sense per comparing to XXXX and XXXX showing $XXXX balance $XXXX payment monthly.  This date XX/XX/2019 I called Experian and was put on hold and left hanging after agent  said she would not change or dispute to correct.

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 2022-12-10
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. (CA)

Complaint:
In accordance with the fair Credit reporting act. the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 use 1681. 

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

15 U.S.C 1681 section 604 A section 2 : it also states a consumers 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 non-monetary relief
Consumer complaint received 2021-11-08
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. (TX)

Complaint:
I XXXX XXXX is writing you to inform you that you are in violation of the 15 U.S.C. 1681a ( d ) ( 2 ) ( B ) any authorization or approval of specific extension of. Credit directly or indirectly by the issuer of a credit card or similar device. The definition of a credit card in 15 U.S.C 1602 ( I ) the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I want to block and remove these accounts pursuant to 15 U.S.C 1681c-2. It should not be declined, this information is not being blocked in error by me the consumer, or on the basis of a material misrepresentation of fact by the consumer relevant to the request to block, or the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions and I didnt receive any goods. You are in violation of 15 U.S.C.1681n ( a ). any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (ME)

Complaint:
In  XXXX  of   XXXX   I received a bill for annual fee of {$95.00} for a credit card I did not use. I called to cancel the card and the customer service rep was very reluctant to close the account for me and said that if I kept it open she would credit the {$95.00} annual fee after I activated the card. The card did not arrive and I was charged {$95.00}. After multiple calls I finally received the card and activated but continued to receive past due for {$95.00}. After multiple additional calls I canceled the card and was told the fee would be waived. I continued to receive past due notices and a collection letter. I made additional calls and guaranteed it has been handled. I am requesting copies of letters sent to credit bureaus clearing this false late charge and documentation showing closed account with zero balance fo r Citibank  card ending in  XXXX . Please refer to the account notes and customer service calls  ( recorded ) to Citibank  to clarify and resolve this situation ( starting in  XXXX    XXXX   to present ). I am also contacting the better business bureau and the state attorney general 's office with this complaint.

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 2022-06-28
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 XXXX XXXX XXXX account # XXXX, the amount of {$4000.00}. from XX/XX/2018 until XXXX XXXX has violated my rights. I called the customer service number to open an investigation on several occasions on their website but the item still remains on my credit report.

15U.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't 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 2023-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Complaint:
Bank of America has made a decision to close the two credit cards I had with them. They informed me the decision to close the account on XX/XX/XXXX. At the same time, they do not allow me to redeem the cash back rewards I still have on these XXXX credit cards. XXXX credit card has about {$800.00} in cashback rewards and another credit card has about {$6700.00} in cashback rewards. Bank of America does not tell me the reason for closing my accounts nor does it give me any heads-up that the accounts will be close so I would have time to redeem the cashback rewards. I understand Bank of America has made the decision to close the accounts, but they can not just keep my cashback rewards ( ~ {$7500.00} ). If Bank of America has the ability to unilaterally close the accounts, then they can not be just cancel my cash rewards on the credit card. This is what pirate would do, no a company like Bank of America.

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