hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-07-06
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. (TX)

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
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. (LA)

Complaint:
I have four closed accounts on my credit report that the creditor will NOT remove.

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 2022-10-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION (FL)

Complaint:
1- Open a High-Yield Savings account with XXXX owned by Webster Bank 2- After a month, interest rates started to go up in other banks but not in this bank 3- Decided to withdraw my funds from Webster on XX/XX/XXXX 4- Setup up external transfer with my regular bank XXXX XXXX XXXX XXXX Checking Account ) 5- Been waiting for two weeks for my transfer to happen but Webster Bank held my funds hostage and asked for a ) Latest bank statement of XXXX XXXX XXXXXXXX and b ) Copy of my Florida Driver 's License. I sent the documentation via their encrypted server ( as requested ) and called them a few times validating they received the documents. 
6- They stated it would take up to 3 days to review/clear/reject the documentation 7- Today, on XX/XX/XXXX, received an email that they " Stopped '' my transfer without any explanation 8- And they also, eliminated my access to my account, the bank log in does not work 9- The transfer is for only {$5000.00} USD, not a large amount and they are holding my funds hostage, please need your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
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: EQUIFAX, INC. (CA)

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$0.00}, {$2000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
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. (GA)

Complaint:
Hello, I went to my bank to try and get a loan to help my grandmother pay for her XXXX and I was denied. I went home and went on that free credit report site and there e.re some items there are not mine. I would appreciate it if you guys will remove these accounts from my credit 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 2023-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Complaint:
BANK OF AMERICA IS HOLDING {$10000.00} OF MY MONEY IN MY CHECKING ACCOUNT THE ACCOUNT IS CLOSED AND I HAVE ANOTHER CHECKING ACCOUNT WITH BANK OF AMERICA. 

I NEED TO TRANSFER THIS MONEY TO MY NEW CHECKING ACCOUNT. 
IT IS UNFAIR OF THEM, I NEED THE MONEY TO PAY MY BILLS & I CANT. 

I HAVE NO CLUE WHY THEY ARE HOLDING THE MONEY, AND THEY HAVE NOT RESPONDED TO ME. 

I HAVE SPENT HOURS ON THE PHONE TRYING TO GET INFORMATION, TO GET A DROPPED CALL.

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 2020-12-02
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. (TX)

Complaint:
FCRA Violation. XXXX/XXXX XXXX Why is this information verified as accurate deleted and they left 5 remaining on my account that does not belong to me? Explain. See document attached -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- -- - ADDRESS DOES NOT BELONG TO ME. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX/XXXX  XXXX  XXXX XX/XX/2017 XXXX/XXXX XXXX XXXX XX/XX/2017 XXXX/XXXX  XXXX  XXXX XX/XX/2017 XXXX/XXXX XXXX XXXX XX/XX/2017 XXXX/XXXX XXXX XXXX XX/XX/2017 XXXX/XXXX XXXX XXXXXXXX XX/XX/2017 XXXX/XXXX XXXX XXXX XX/XX/2017 < -- -- 5 ACCOUNT REMAINING ON MY REPORT DOES NOT BELONG TO ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
Tried to secure a " refund '' check for {$85.00} from XXXX for an over payment of my bill for over 35 days without resolution. 

The XXXX Billing Department refers me to XXXX Department who refers me back to Billing Department. One unnamed XXXX XXXX. agent on XXXX XXXX, XXXX tells me it 's their error and a refund check will be issued by their XXXX Department " within a few weeks ''. 

Then today, on XXXX XXXX, XXXX, 35 days after initial contact via email, the same unnamed XXXX XXXX. agent tells me " check refunds can take up to 10 weeks to receive '' while also telling me the XXXX XXXX. " requested a refund '' on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX. 

It appears the XXXX XXXX. and or XXXX XXXX. at XXXX  are not doing their job in issuing refund checks in a timely manner and should be investigated immediately.

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 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
Im not using any third party for this matter. I represent myself by myself. 
I checked my credit report and noticed some inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. 
I have filed FTC report for this matter and included this report in a package. 
Please remove these fraud items from my report as soon as possible : 1.XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; 2. XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX ; 3. XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; 4. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX. XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA.

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 2023-06-12
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: TRUIST FINANCIAL CORPORATION (FL)

Complaint:
XXXX XXXX XXXX Opened fraudulently XXXX XXXX XXXX  now was handed to XXXX XXXX XXXX. 
Open fraudulently on XXXX of 2020 per the last credit report. 
XXXX XXXX checking account XXXX XXXX XXXXXXXX XXXX BB & T

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Complaint:
On XX/XX/21 ; I sent a certified letter to the TransUnion and XXXX disputing the inaccurate unverified bankrupcty filed within my credit report. I have challenged the validity of this alleged bankruptcy listed on my report. I have went to the courthouse, and they have stated, " they did not verify this information. '' I have sent correspondence to the XXXX and they have verified that their is not bankruptcy being reported on my credit report. For whom, XXXX and TransUnion both use a third-party source to verify 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 2022-03-20
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:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 2023-01-24
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (FL)

Complaint:
On or about XX/XX/2022 Synchrony Bank was contacted about my lowes card, and I explained my situation of unemployment and no income due to being medically disqualified to continue my 25 year career by a federal agency. I requested auto pay option be stopped as well. I thought my card ( s ) and account would be suspended without penalties due to my situation ( best scenario for everyone involved I thought- my card had about a few hundred $ bal ). 40 years total of employment and credit building all down the tubes.Documentation was declined/refused and only response I received was " you still have to pay and on time if no penalties '' I reminded them of no income, and the response was " we have a payment plan '' Same as my former employer-punished and penalized for being sick.. I'm not asking for freebies, just a realistic amount of time ( up to social security etc ) ... not to be punished. 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 explanation
Consumer complaint received 2018-05-15
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. (CA)

Complaint:
I have disputed on multiple occasions with the credit bureaus about the inaccuracy of this accounts, XXXXs, requesting verification that this account belongs to me, and provide the original application, and/ contract with my signature. However, every time I initiate an investigation with the CRA 's they report back as " account verified and belongs to me. '' The CRA 's are reporting this account as a charge off with a monthly payment? How is it possible for a charge of to report with a monthly payment? Obviously, the CRA 's are not reporting an accurate, complete report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Massachusetts Educational Financing Authority (MA)

Complaint:
This is a follow-up complaint to Case number : XXXX. All preceding information can be drawn from the former case file. 

As verbally agreed upon with MEFA/XXXX, I began making quarter payments while the formal paperwork for the quarter payment forbearance was being processed. During this time, I received no fewer than six harassing phone calls to my personal cell phone, demanding immediate payment of the full value of the monthly payments, despite clear verbal instructions to cease phone communication, in clear violation of my rights as a lendee. 

Approximately 1.5 months after the quarter payment paperwork was filed ( date of XXXX XXXX, 2016 ), I received another phone call from MEFA/XXXX, again demanding immediate payment of the remaining balance, minus the quarter payments that I had already been making. This time, however, they informed me that they had rejected my forbearance application because they had changed the terms of the agreement IN THE TIME BETWEEN WHEN THEY RECEIVED THE PAPERWORK AND WHEN IT WAS PROCESSED without notifying me of the change until after it was rejected. Thus, they had outright denied the application on technical grounds. All of this clearly violates my rights to clear and fair lending as a student borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
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: Experian Information Solutions Inc. (CA)

Complaint:
When I was in college in 2002 I had some non government guaranteed private loans with XXXX XXXX. I subsequently filed bankruptcy, and these accounts were included in the bankruptcy. I was told they may not be discharged. <P/>Since then, the accounts appeared as XXXX XXXX accounts and I had them removed from my credit reports. Recently, they have all been reappearing as XXXX XXXX. These accounts were closed and charged off over 10 years ago and XXXX is reporting them as still active and able to be reported on my credit report. This is in clear violation of the FCRA and the FDCA. <P/>Please assist me In the removal process. I have attempted to contact XXXX and also disputed with the credit bureau ( Experian ) XXXX and XXXX have corrected the issues. <P/>Thank you, XXXX XXXX SSN- 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 2019-04-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (CO)

Complaint:
No contract with XXXX  No contract with the third party Collection Agency Sunrise Credit Service XXXX XXXX XXXX XXXX XXXX NY XXXX Ph XXXX XXXX XXXX I did not open an account with them ... period

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 2022-05-05
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: Experian Information Solutions Inc. (TX)

Complaint:
Made many attempts since XX/XX/2021 to have outdated personal information updated and it still appears on current credit report today.

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 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Complaint:
Capital One advertises their auto rental collision damage waiver without clearly disclosing that it does not apply to foreign rentals lasting longer than 30 days. I rented a car in XXXX for 34 days, it was damaged, and the car rental company charged me {$1700.00}. I submitted a claim for the damages and it was denied based on fine print buried deep in the current terms and conditions ( which may have changed since I took the card out several years ago ). 

Had Capital One and Visa clearly disclosed this limitation on the XXXX benefit, I could have broken up the rental or taken other steps to make sure I was protected. I have asked them to make an accommodation as matter of customer service, and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

Complaint:
In Accordance with the Fair Credit Reporting Act. The three credit bureaus below has violated my rights. XXXX, Experian and XXXX. 

this is the correct info that should appear on my credit reports. 

Name : XXXX XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC (NY)

Complaint:
I found in XX/XX/XXXX on my XXXX Credit Report a collection account from Contract Callers, Inc in the amount of {$11000.00}. This is listed as assigned XX/XX/XXXX. To this day XX/XX/XXXX I have not received any documentation, phone calls, no correspondence at all, I have a right under the FDCPA to validate and dispute this debt. I wrote to the company on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have not received anything from Contract Callers, Inc.

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