hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-08-01
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

Complaint:
i set up payment plans these past 2 months with multiple accounts to avoid delinquency 's on my credit report and they have still managed to add delinquencies on my credit report which are hurting my credit also multiple inquiries that i have not approbed of are on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06
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. (GA)

Complaint:
1. XXXX XXXX XXXX ( Collecting for XXXX XXXXXXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX of first attachment and XXXX XXXX XXXX of dismissal from court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting 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 non-monetary relief
Consumer complaint received 2023-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (GA)

Complaint:
Subject : XXXX XXXX Account Dispute for Account Number : XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the information reported on my credit file regarding Account Number XXXX. I have reviewed my credit reports from XXXX and Experian and have identified several significant inaccuracies and violations of my rights under the Fair Credit Reporting Act ( FCRA ), Title 15 of the United States Code ( USC ), and Section 604 in relation to the reporting of my medical information. 

Firstly, there is a discrepancy between the information reported by XXXX and Experian. XXXX indicates that the account is an installment contract, while Experian reports it as a medical bill. This inconsistency raises concerns about the accuracy and proper classification of the account. 

Furthermore, both XXXX and Experian have discrepancies in the reported account open date. XXXX and Experian state that the account was opened on XX/XX/XXXX. However, XXXX reports a balance of {$7200.00}, whereas Experian reports a balance of {$7200.00}. These discrepancies raise doubts about the accuracy and consistency of the reported information. 

Additionally, there is a discrepancy in the terms reported by XXXX and Experian. Experian states that the term limit is 60 months, while XXXX reports a term limit of 0. This inconsistency further questions the accuracy of the reported information. 

Moreover, Experian reports a past due balance of {$5200.00}, whereas XXXX states a past due balance of {$5100.00}. These discrepancies in the reported past due balances cast doubt on the accuracy and integrity of the reported information. 

Furthermore, there are inconsistencies in the last report dates provided by Experian and XXXX. Experian reports a last report date of XX/XX/XXXX, while XXXX states a last report date of XX/XX/XXXX. These differences raise concerns about the timeliness and accuracy of the reported information. 

In addition to the aforementioned inaccuracies, it is important to note that the reporting of medical information without my authorization is a violation of my rights under the Health Insurance Portability and Accountability Act ( HIPAA ). I did not provide consent for my medical information to be shared, and the inclusion of medical information in my credit file is a breach of privacy. 

I am exercising my rights under the FCRA, USC Section 1681, and Section 604, which require accurate and fair reporting of consumer information. I request a thorough investigation into these inaccuracies and violations, as well as the immediate removal of the disputed account from my credit reports.

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 2017-06-19
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. (MO)

Complaint:
I 've been trying to resolve multiple negative student loan accounts on my credit report. The Credit Bureau ( XXXX, Experian, XXXX ) are neglecting to verify/validate the accounts properly to determine which ones are duplicates or original. Due to poor and lack of investigation and communication I 'm requesting that all of the closed student accounts be removed. I have one student loan account and the negative accounts that are showing as paid off are hurting my scores. Also, there is a collection agency called XXXX XXXX account that 's showing on all three bureaus that has n't been removed after failure to validate the debt.

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 2023-05-18
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. (TX)

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : XXXX, XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX {$1100.00}

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 non-monetary relief
Consumer complaint received 2023-02-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (AZ)

Complaint:
I opened an online savings account on XX/XX/2023 in the amount of {$50.00}. 

This was the second savings account I have opened. 

A week later, Truist bank locked my online account access. 

I called the number provided and spoke with several people. 

They told me I would have to travel 2,000 miles from my home to close the newly opened savings account. 

RESOLUTION Change policy and procedures to best reflect online banking and not have a customer travel outside her home/state to do business. 

This defeats the purpose of online banking.

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 2019-10-01
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. (CA)

Complaint:
I recently tried to dispute a list of 13 inquiries from my TransUnion credit report that I believe were fraudulent. TransUnion has yet to remove them from my credit report after now completing the investigation The list of inquiries 1. XXXX XXXX- XX/XX/XXXX 2. XXXX XXXX- XX/XX/XXXX 3. XXXX XXXX- XX/XX/XXXX 4. XXXX XXXX- XX/XX/XXXX 5. XXXX- XX/XX/XXXX 6. XXXX- XX/XX/XXXX 7. XXXX/XXXX- XX/XX/XXXX 8. XXXX/ XXXX- XX/XX/XXXX 9. XXXX XXXX- XX/XX/XXXX. XXXX XXXX   XX/XX/XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I recently found out I am a victim of fraud and I am trying to clean up the mess before my credit gets any worst

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 2021-07-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC (CA)

Complaint:
On or about XX/XX/2021, I advised the collectors that they do not have my permission to contact me by phone. Since that time I have received two to three calls per day. Blocking their phone number is useless because they use several different phone numbers when calling. At present, I have blocked nine different phone numbers from this one collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-16
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CMRE Financial Services, Inc. (TX)

Complaint:
CMRE Financial continually leaves me voicemails from numerous phone numbers. The voicemail says " This is CMRE Financial contacting XXXX XXXX, if you are not XXXX XXXX .... ''. When I call them back to tell them " this number is not XXXX XXXX 's phone number, never has been and our divorce was final 2 years ago '', they respond with " we're not calling for XXXX XXXX, we're calling for you, XXXX XXXX ''. 

CMRE Phone Numbers I have had to block in my phone : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : CASE FILE - XXXX Warning to remove items from my Credit File To whom it may concern, I have previously disputed CASE FILE - XXXX with you and WITH NO response, you have not verified the item as correct, accurate or factual. My credit report reflects this information has been verified and provided to the credit bureaus willingly by the court - that is a lie. The XXXX courts do not provide information to the credit bureaus. This is CLEARLY stated in the link provided below. 

UNLESS you can provide me with written confirmation that the above mentioned court district has manually verified this information as it shows on my credit report, this is false reporting and NOT LEGAL. This does NOT comply with FCRA 611 ( 15 U.S.C. 1681I ) and it must be deleted IMMEDIATELY. 

Please reference for proof of this violation and false reporting : https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I DEMAND DELETION OF THIS REPORTING IMMEDIATELY AS THIS IS IN VIOLATION OF FCRA - 611 ( 15 USC & 1681I ).

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 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

Complaint:
XXXX, Equifax, XXXX isn't honoring the fact that the name they have listed as my legal name isn't correct. I've contacted them numerous times and they won't fix it. I only had the name they're showing for 1 year and I have sent them my ID and everything. Why won't they fix this? All my creditors have the correct name, so it isn't them like XXXX says. I'm so tired of dealing with this. It happened in XXXX and this is XXXX. Do I have to get a court-order, because Equifax is doing the same thing and it's discriminatory at this point. Equifax has locked me out of my account and attorneys are phobic & won't help me get to these credit bureaus. I bet XXXX has this going on as well, but I'm tired now. I don't think I established any credit accounts during the time my name was XXXX XXXX XXXX. 

They have a problem with me, because it's obvious when you change your first/middle names that it isn't due to any kind of marriage. Do they do married people like this? I bet not! People answering the phones are foreigners and don't care about me or this issue. They leave me on hold too long and then don't do anything when they answer. 

I can't give you all the dates that I have dealt with this, but your bureau doesn't seem to do anything either. Why not? I can't afford an attorney. I will sue if this isn't corrected. Punitive damages will cost these companies, because this is beyond annoying and rude. They are being fraudulent, not me. Filing fees are less than lawyers fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
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. (NJ)

Complaint:
I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$3100.00} DEPTEDXXXX XXXX XXXX XXXX  XXXX {$25000.00} XXXX XXXX XXXX XXXX {$670.00} XXXX  XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX {$18000.00} XXXX XXXX  XXXX {$580.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX {$1100.00} COLLECTION XXXX {$520.00} XXXX XXXX  XXXX {$930.00} XXXX XXXX XXXX  XXXX {$550.00} XXXX XXXX XXXX  XXXX {$460.00} XXXX XXXX  XXXX {$1200.00} XXXX XXXX XXXX {$450.00} XXXX XXXX  XXXX {$66000.00} XXXX XXXX  XXXX {$670.00} XXXX  XXXX XXXX XXXX XXXX  {$460.00}

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 2021-11-12
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Direct Recovery Services, LLC (CA)

Complaint:
Debt collector contacts me numerous times a day on different phone numbers, contacts my employer, and contacts distant relatives. I've asked this company to stop calling my work phone to no prevail. They are extremely aggressive and they leave aggressive messages on families voice-mail as well. It's harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Complaint:
On XX/XX/XXXX Bank of America performed unauthorized hard inquiry, soft inquiry and opened a Checking and Savings account without my approval using fraudulent information provided by an identity thief. I am the victim of identity theft and am doing my best to move swiftly in order to keep my information safe. 

I received a debit card as well as welcome letter in the mail and went to a branch in XXXX PA to get them to close the unauthorized fraudulent accounts. I provided all my information along with identifications in person as requested and the Branch manager XXXX XXXX. XXXX XXXX confirmed that this is indeed a case of identity theft and fraud using my information unlawfully. This occurred on XX/XX/XXXX. 

The card was sent in a name used by the identity thief. I have reported this to the fraud department at BOA and the point of contact XXXX XXXX assigned to me by their " resolutions '' team has been less than helpful. 

I believe that my information has been compromised and that Bank of America did not take adequate steps to verify information before opening accounts ( savings and checking perhaps even credit ) using my personal information provided by a identity thief. 

On XX/XX/XXXX I sent the Bank of America Fraud department a signed Affidavit along with all requested papers in response to the " investigation '' they performed on my behalf. I have done everything in my power within the course of 5 days that has been asked of 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 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NY)

Complaint:
I paid a settlement amount to CareCredit for {$2500.00} to Synchrony Bank ( Reference number : XXXX ). Synchrony had previously listed the debt as a " charge off '', which is a negative status on the Credit Bureau Reports. I contacted the XXXX Credit Bureaus and they each said that Synchrony reported the settlement as paid in full but retained the charge off in the update as " paid settlement/charge off ''. The Credit Bureaus said that Synchrony has to remove the charge off and just list the status as paid in full settlement. When I spoke to Synchrony today, they refused to make the change, saying " it is not within the policy guidelines ''. This entry on all of my Credit Bureau reports, of there being a current charge off on my account is inaccurate and false. The previous negative status is " charged off '' the current status should be changed to " paid in full settlement '', which is a positive status. You will see in the settlement confirmation letter that the consumer report was only suppose to say " Account paid in full for less than the full balance ''. It was never supposed to include " charge off '' wording in the updated language on the consumer report, which is currently states.

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 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (CA)

Complaint:
USBank sent me a letter stating that since I have been a good customer, they are increasing my credit line from {$500.00} to {$1000.00} and sent me a new card. 
Since I received the card I tried to use it to make a payment at XXXX XXXX XXXX and it would not go through. I called USBank and spoke with a representative who told me someone would get back to me because I was being " investigated '' & transferred me to another dept where I was told that XXXX was the one who had a problem not my account and I could use the card, no problem. Today I received an email from USBank alerting me that they detected suspicious activity on my credit card & to call XXXX. I called 3 times today, but each time I was on hold for 30 minutes then an automated system came on to say there was no one available and hung up. 
I have not been able to get anyone on the phone regarding this alert or use the card anywhere.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Premier Portfolio Group (CA)

Complaint:
On XXXX XXXX, 2014, I received a PayDay loan from XXXX XXXX. I was unable to pay the loan off, since I have n't been working, due to a car accident. The loan was sold to premier Portfolio Group, XXXX XXXX XXXX, XXXX XXXX, NY XXXX, XXXX, www.premierportfoliogroup.com. They have called all my references and provided them with details of the loan and they have threatened me with a law suit and the amount i will owe with court costs and attorney fees. I want them to stop contacting all my references and stop threatening me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation