hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-08-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TD BANK US HOLDING COMPANY (IL)

Complaint:
This complaint is regarding the XXXX XXXX account number XXXX, Original Creditor : Nordstrom Card Services, Current Balance {$10000.00}. 

Today, XX/XX/2022, at XXXX XXXX XXXX I received a call with a caller ID XXXX XXXX XXXX 

Since I am a XXXX XXXX, I thought it was from my school and answered. 

When I answered, the representative said she would like to speak with me. 
I thought something was very odd, and I asked, where is this call from? 
Then, the representative said, It is a debt collector, calling from XXXX XXXX. 
I was stunned. 

Also, when I asked why your caller ID showed that you appeared as XXXX XXXX XXXX the lady told me, Because you are a XXXX XXXX we wanted to work with you and help you. 
I was speechless. 

When I previously contacted via a chat through XXXX XXXX website regarding any settlement options available, I disclosed that I am a XXXX XXXX to the representative I had a conversation with, XXXX XXXX, who was very pleasant and kind to discuss available options for me. 

However, todays call and the conversation I had today, not only violated Fair Debt Collection Practices Act 807. False or misleading representations but also it is not acceptable. 

Lastly, I told the previous representative, XXXX XXXX, on XX/XX/2022, that I could pay the settlement payment all at once on XX/XX/XXXX or later. Then I was told that the system allows scheduling a payment only 30 days in advance. So, it was ended that I would call at the end of XXXX to schedule payment for the settlement offer available for me. However, again, I got a call from XXXX XXXX today even though I already talked and discussed it with the previous agentwhich violated Fair Debt Collection Practices Act 806. Harassment or abuse. 

I have attached the screenshots showing caller ID as XXXX XXXX XXXX and the chat I had with XXXX XXXX on XX/XX/XXXX, showing that we discussed the settlement, and I am the one supposed to call her to schedule the payment at the end of XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03
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: LEXISNEXIS (PA)

Complaint:
I have filed a dispute for incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

Complaint:
THE ACCOUNTS XXXX XXXX AND XXXX XXXX IS NOT REPORTING ACCURATE INFORMATION ON ALL TREE OF MY CREDIT REPORTSXXXX XXXX XXXX WAS INCLUDED IN BANKRUPTCY AND SHOULD NOT BE LISTED ON MY CREDIT REPORTS, ALSO XXXX XXXX XXXX   SHOULD NOT BE REPORTED AS LATE IT IS A CLOSED ACCOUNT AND PAID IN FULL. THE TWO LATE PAYMENTS FROM XX/XX/XXXX AND XX/XX/XXXX SHOULD NOT BE REPORTING AS LATE ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OH)

Complaint:
On XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio, charged my Chime Bank card, {$520.00}, for unauthorized repair to my vehicle. I immediately contacted my bank Chime to stop the transaction, I had to waite 3 days then file a Merchant Despite for unauthorized work done to my vehicle. 
I COMPLETELY followed every step with all receipt, phone records and a copy of another Automobile shops papers of what was actually wrong with my vehicle. 
As of today XX/XX/2022 a Chime Despite Respenstive will not reopen my claim to reverse the transaction for Unauthorized Automobile Repair, that In the State of Ohio is a law that protects the consumer. Chime Bank will not acknowledge or follow the rules that are in place where Chimes account holder resides and where the Unauthorized Repair has taken place. 
Today XX/XX/2022 at about XXXX XXXX I spoke with Chimes Desput Respenstive asking to reopen my claim ( # XXXX ) again because I was standing my ground on this Transaction. And I have faithfully Disputed this claim with Chime Bank from day one .The Respenstive refused to let me reopen the Desput claim and when asked why Chime Bank was not following the laws where there consumer lives he resisted FCC Bank Rules. 
And I said exactly!!!! Every Bank, credit card company would stand behind there customer when a law has been broken in the consumers State of residence. 
I am at a complete loss over how a BANK can allow a Company to keep my money for a unauthorized repair when I submitted 150 % proof that I never told XXXX XXXX to do anything to my vehicle but informed me of what the problem is. Along with the Law In Ohio, on Automobile Repairs, and Chime said oh well like it was there {$520.00} dollars. WHAT GOOD IS A LAW THAT PROTECTS YOUR RIGHTS IF ANY COMPANY CAN IGNORE THE LAW. 
IF THE REPAIR SHOP WOULD OF TOLD ME IN ADVANCE WHAT WAS THE ISSUE WAS THIS WOULD NOT OF EVER BEEN A ISSUE WITH CHIME AND MY MONEY, BUT THE UNAUTHORIZED REPAIR WAS NOT EVEN WHAT WAS WRONG WITH MY VEHICLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

Complaint:
This is a fraudulent inquiry on my credit report XXXX XXXX XXXX | XXXX. 
I did not authorize this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
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 — Investigation took more than 30 days
Company: OneMain Finance Corporation (OH)

Complaint:
I have filed a dispute with credit bureaus in regards to incorrect items on my credit report. It has been over 30 days since my dispute and I have not received any feedback or results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
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. (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 a 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 2022-03-25
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. (TN)

Complaint:
In Accordance with Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( F ) - Reporting information during Covid-19 Pandemic ( ii ) ( I ) states if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current.

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 2022-08-05
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. (CA)

Complaint:
This is my XXXX Attempt to tell you and Credit Bureaus that I am a victim of identity theft and I sent a complaint to dispute certain ITEMS in my file resulting from the crime. I'm submitting multiple Letters to XXXX from XX/XX/XXXX until today XX/XX/XXXX regarding this issues. The ITEMS I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft pursuant to FCRA section XXXX. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX These items are unknown to me. Also, the information provided on some ITEMS are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some ITEMS are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

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 2022-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (AZ)

Complaint:
Identity was stolen/compromised and later discovered that my personal information was utilized to rent/lease an apartment/home in my name even after informing of identity theft National Credit System continued to attempt collection and refused to remove from credit report. 

FTC Report Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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. (MS)

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
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: CITIBANK, N.A. (VA)

Complaint:
I traveled to XXXX inXX/XX/XXXXand used my Citibank Mastercard on XX/XX/XXXX for 1 transaction at a restaurant ( XXXX XXXX ) for {$59.00}. When I returned to the US, I found a second transaction on my account from the same restaurant for {$350.00}. I immediately contacted Citibank to report a fraudulent charge on XXXX/XXXX/XXXX and was issued a credit and a new card. 
Since then, Citibank has re-added the {$350.00} charge to my account twice ( on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) with the following explanation ( from a Citibank letter dated XXXX/XXXX/XXXX ) : Our investigation found that the disputed charges ( s ) is not related to a fraud disputes ( s ). You provided your credit card number to XXXX  XXXX XXXX XXXX XXXX XXXX, therefore, this charge ( s ) is not unauthorized. 

In other words, I used my card for a legitimate transaction, so they think any fraudulent transactions that occur after that are still authorized, which is clearly against my card holder agreement. 

I have submitted documentation to Citibank contesting the charge as fraud with my legitimate receipt 3 times. I have spent several hours on the phone ( on XXXX, XXXX, XXXX, and XXXX/XXXX/XXXX ) with Citibank representatives and supervisors, being passed back and forth between the Billing Dispute Group and Security Services Group, with each group saying that I needed to speak to someone in the other group. As of today ( XXXX/XXXX/XXXX ), Citibank has added the fraudulent charge back on my account. They sent a copy of the charge from the merchant and it 's very clear that the signature was badly faked ( it is not even close to looking like my signature on the legitimate transaction ) and was processed hours after I left XXXX XXXX and was back at my hotel. 

This is not only terrible customer service, but it is clearly in violation of my cardholder agreement which states " {$0.00} Liability on Unauthorized Charges You wo n't pay for any unauthorized charges made on your consumer Citibank Debit Card and consumer credit cards. ''

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 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Complaint:
I have asked XXXX XXXX XXXX to send me proof that these credit cards was opened by me because it is fraud and they have yet to do so. It has been 1 year of disputing them and they refuse to send me any verification documents, file or procedures used to verify account. This is a violation of my consumer rights and I demand that they delete these accounts today! 

These accounts are causing me to lose out on employment and extension of other credit opportunities. I never gave them permission to use my personal information, they are violating my privacy by sharing inaccurate information with other parties which is identity theft and they refuse to rectify the situation. 

Delete these accounts now : XXXX. XXXX XXXX. XXXX I have included my id so please do not use stall tactics and say that you can not verify me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc. (GA)

Complaint:
On XXXX XXXX XXXX XXXX called and threatened to sue me for a debt that should have already been paid. When speaking with the manager I asked for a letter of debt validation and he proceeded to tell me that he did not have to provide that as this was my debt and I owed the money. I asked again and he started yelling and screaming at me that they have sent multiple letters and he didnt have to send anything else. I explained that I have not received any correspondence from them. After he continued to yell, scream and threaten to sue me I eventually just had to hang up because he would not listen to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Complaint:
Portfolio Recovery Associates continues to try and collect on a debt ( ostensibly XXXX XXXX ) that is time-barred by at least ten years. It has refused to provide validation/verification of debt despite oral and written requests from me over a period of years. The most recent request was during a phone call at XXXX on XXXX XXXX, 2016. Portfolio telephone number made from ( XXXX ) XXXX. Portfolio action includes multiple calls to my cell phone without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: On-Site Manager, Inc. (WA)

Complaint:
My application for an apartment was denied on XX/XX/2018 by XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, WA XXXX. The agent said there was negative rental collection on the report that was provided by Real Page, using this identity and address : LeasingDesk Screening XXXX XXXX XXXX. 
XXXX, Texas XXXX ( XXXX ) XXXX http : //www.realpage.com/consumer-dispute I've contacted Real Page and have not been provided any additional details on the derogatory report or any means for resolving the matter. The net result is that I can not rent an apartment by any property management company in the XXXX area as it seems most of these companies use the same service from Real Page. 

I believe this company is in violation of the FCRA. 

Please contact me at XXXX or XXXX if you have any questions or suggestions for how to resolve this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. ()

Complaint:
I opened an account in XXXX when I lived in the XXXX. Since moving home to XXXX I have not used the account. The account was frozen and I was unable to access my funds. I was unable to see the account on online banking and unable to make online purchases. Despite many attempts to have the account reactivated I was told I had to present at a branch to have the account deactivated. Clearly that is not possible because I live in XXXX. 
After many attempts I was given a fax number that I could send a fax to to have it deactivated. I have done this and the account is reactivated. I logged into my account to find that my account has been debited a monthly fee of {$12.00} per month despite my card being expired since XX/XX/XXXX and I have not have access to the account via Internet banking for so long. The bank locked me out of my account and I was unable to receive any service yet I was still charged monthly service fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-12
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. (FL)

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 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 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 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 it
em of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief