hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2019-12-12
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (GA)

Complaint:
Further to my complaint early in 2019 ( complaint number XXXX ), Synchrony Bank has reopened my Amazon card without my knowledge or consent this month. I received an email this morning asking me to link the card to my Amazon account. 

When I logged into the site to make sure my account was closed, the account has now been reopened. 

There is a XXXX balance on the card, so I am not owed any money by Synchrony. However, I wish to report fraudulent opening of an account which I had requested be closed and which they had closed in XX/XX/2019 after their having to respond to my complaint to the CFPB. 

I'd like to report this as fraud. They had neither my knowledge or consent to reopen that account. I'd never have known it was reopened if they hadn't reached out to me to ask me if I wanted to link it to my Amazon account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Complaint:
XXXX, XXXX, Tranunion isnt giving theaccurate reporting on my credit report.Besides they two accounts that has been closed for 9 months or more still on my credit report.And when I make a payment they report the Pervious account that I owed.In other words my account doesnt increase.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
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 — Investigation took more than 30 days
Company: United PanAm Financial Corp. (TN)

Complaint:
On XX/XX/2012 regarding complaint XXXX. United auto Credit provided me with a post sale notice that they sent me. However I asked them for several items that as a consumer they must've provided me at the time and show proof that they sent me which was the PRE-SALE NOTICE. That is the notice for the State of Tennessee showing that they gave me the 10 day letter to come up with the money and that the lender can not sale the car until after the redemption period. Also the ORIGINAL CONTRACT was not sent which I requested as well as full account history showing all my payments that were made at that time. Not providing information to me will be grounds for a lawsuit. I am requesting that this be removed off my credit report if these items can not be provided to me within the timeframe CFPB is allowing for these documents to be produced. I have again attached the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Complaint:
I had sent letters to all three credit bureaus on XX/XX/2020 advising them they have some incorrect account info and needed to delete it via a 609 dispute letter. 

After 30 days of no correspondence from any party I had sent a sceond 30-day demand to comply letter to each bureau letting them know it has been over 30 days from the first letter and for any inaccurate info to be deleted. 

I had sent certified mail so I know they have my demand to comply letter I have not been contacted and nothing has been corrected. I know need your help. 

Enclosed are the copies of each letter to the beraus. Let me know if you need any more info

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 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-08-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
There are Inquiries into my Transunion account from " XXXX XXXX XXXX via XXXX XXXX XXXX ''. I have not purchased or enquired anything from XXXX XXXX. Please work with XXXX XXXX XXXX & remove enquires from my account. I have raised request 2 times but still not able to get this enquiry deleted from my account. I even reached out to XXXX but i am not able to get someone from XXXX. I sent email and called many times but not able to get hold of someone who can help. 
********************************************** Below are the details regarding inquires XXXX XXXX XXXX via XXXX XXXX XXXX Enquiry date : XX/XX/2022 Location : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Phone : Phone number not available Inquiry Type : Individual Permissible Purpose CREDIT TRANSACTION ************************************************ Can you please advise what i can do? Same enquiry was showing earlier on XXXX & they have removed it. Can you please remove it and let me know what i can do from my end.

Company response to consumer: In progress
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

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 2020-07-11
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. (NV)

Complaint:
These are not my accounts. Please remove them.

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 2022-04-10
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: Experian Information Solutions Inc. (MD)

Complaint:
In accordance with the Fair Credit Reporting act XXXX  inquiry by EXPERIAN : 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 have violated my rights and inquiries are preventing my self and my family from purchasing my home and obtaining finance. 

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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681n. Civil liability for willful noncompliance ( a ) ( 1 ) ( A ) ( B ) and ( b ) Civil liability for knowing noncompliance XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15
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:
On XX/XX/XXXX, I went in to the Sheriffs office to file the attached sheriffs report that listed XXXX XXXX XXXX as the thief. In XX/XX/XXXX, a reward was offered for XXXX XXXX XXXX, listed as XXXX Top Ten Most Wanted for credit card abuse. In XX/XX/XXXX, XXXX was arrested for False Pretenses and Forgery in XXXX XXXX Mississippi. See attached reports. XXXX XXXX XXXX is the person referenced in my XX/XX/XXXX sheriffs report that stole off of my desk in XX/XX/XXXX. She stole XXXX Card, XXXX XXXX  XXXX Cards, XXXX XXXX, XXXX, my identification, and files including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX account, and file folder of login information with verification questions and passwords. My office was the completely destroyed in XX/XX/XXXX with 32 of water from XXXX XXXX XXXX XXXX XXXX added herself to my accounts falsely pretending to be my wife. I assume the attached XXXX XXXX dated XX/XX/XXXX is XXXX fraud investigation. All is correct EXCEPT - The fraudulent payments were not due to my banking institution. I have never had a bank account ending in XXXX. A proper investigation by XXXX will prove this. On XX/XX/XXXX, what number was used to contact me? XXXX XXXX XXXX revised contact information phone number ending in XXXX on all accounts. Regardless, I never referred to this person as my wife and I have not been married since XXXX. On XX/XX/XXXX, I claimed she was falsely pretending to be my wife. Ask yourself - Why would I file a fraud claim and then claim she was my wife??? Common sense should dictate. On XX/XX/XXXX, ( 2 days after filing a sheriffs report ), I did not contact XXXX claiming I had never filed a claim. Why would I do this and what phone number was used? This is ludicrous! All of this could be cleared up with the transcripts of the phone calls. XXXX, use common sense and carefully review. It is obvious XXXX XXXX XXXX was a forger, credit card abuser, and guilty of false pretenses as evident in her arrests. The credit card abuse and forgery / false pretenses were due to others filing charges. The credit report information reflecting XXXX is not mine.

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 2019-03-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (FL)

Complaint:
Midland Credit Management , Inc. collections agency keeps violating my consumer rights under the Fair Debt Collection Protection Act by sending me threatening letters and making repeated calls to me concerning an debt : Reference in their letter dated XX/XX/2019 for an account number XXXX ( XXXX XXXX ) that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Complaint:
I contacted capital one bank about an unauthorized transaction that occurred on my debit card for merchant names XXXX. I made this call as soon as I was aware of charges on XX/XX/XXXX. I never have conducted business with this merchant and I only see two transactions from them XX/XX/XXXX for {$850.00} and XX/XX/XXXX for {$77.00} never had I conducted business with them before the bank denied this even though I never made this transaction Claim ID XXXX I received a new debit card to stop this from happening but the dispute was never resolved further. I have never conducted business with this merchant my bank said this was in Nevada I believe and Ive never been to Nevada ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (GA)

Complaint:
on or around 8/17/2022 consumer debit cards were lost/stolen. the consumer contacted chase bank and reported the fraud XXXX new debit cards were ordered and the old ones were canceled. Numerous items were ordered in error ... i.e. 
XXXX atm- {$330.00} dollar charge XXXX. XX/XX/XXXX {$580.00} XXXX. XX/XX/XXXX - {$30.00} XXXX. XXXX {$500.00} XXXX. XX/XX/XXXX - {$500.00} Chase bank utilizes out-of-the-country customer service which limits communication and understanding of everyday life here in the states. The claims were all denied and the verbal reason given was that there were other charges not disputed. consumer advised that many of the charges that were not reported are ones that are automatically deducted from companies that utilize a saved credit card function. I was then told to send in more proof which I did. Not to mention that the charges were not in my area, and the major factor is that my funds are insured by FDIC up to {$250000.00} for instances like this. 
the consumer was turned down a second time without cause. Chase has placed great stress on the business of the client by not protecting the client.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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 want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (VA)

Complaint:
This company has been contacted in writing multiple times regarding a balance they claim is owed for {$600.00}. I have disputed this debt for {$600.00} through the credit bureau and in writing multiple times. This dates back to XXXX of 2019. This company has failed to provide me with any proof of the debt. I have given them authorization to speak with my friend who is helping me resolve my credit issues and they refuse to speak with her. She has left messages on XXXX XXXX 's direct line multiple times with no response. As of today, I asked my friend to call them and try to settle the debt to just make it go away although I still feel this is not valid. They refused to speak with her or take payment to resolve the issue. I feel that my rights as a consumer are being completely violated as they are not following the FDCPA or FCRA. No proof has ever been provided to me to show that I owe a valid debt. I am requesting immediate action to be taken against this company. They have had ample time to send proper documentation and they are refusing to even allow me to pay it. This is my 2nd CFPB complaint against Hunter Warfield since this dispute started in 2019. This has prevented me from being able to improve my credit rating and purchase a home for the last 6 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: N26 Inc. (CA)

Complaint:
All of my funds were locked for a security validation. I have spent 2 weeks trying to submit my ID to this bank and they told me they closed my account and mailed me the check I just called and I was told my account was never closed. THEY ARE STEALING MY MONEY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
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: EQUIFAX, INC. (FL)

Complaint:
I hereby ask for your assistance regarding my dispute. It has been more than 60 days since my first dispute and the accounts that I'm disputing are still lingering on my credit report. This is a violation of 1681 and 1681n of 15 USC. The credit reporting agencies are ignoring my disputes. That is why I'm submitting a complaint in hopes of getting rid of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
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: Experian Information Solutions Inc. (NJ)

Complaint:
I did not authorize nor consent to the following inquires

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 2022-08-10
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (KY)

Complaint:
Hi... My name is XXXX XXXX my XXXX XXXX XXXX have an account with synchrony Bank care credit .... because of fraud at my bank and report late payment I never had .... This lender look at my credit which is normal and see me and my father has dropped in score because of the XXXX XXXX crazy stuff they did .... It caused Synchrony dropp mine and my father credit limit from XXXX to XXXX dollars which that is damaging... And to me unfair .... I had XXXX on XXXX... I though the whole purpose of have a card is to have it for emergencies .... we haven't abused a d never late... .The cares act is ineffective when they can cut a limit for me not being in default or problems with them... I was told that they was sorry for accidently making my pay.ent late .... but at the time I or my father knew our limit was cut till at the end of call she mention I believe XXXX balance of XXXX I used XXXX for glasses .... I do t understand how u give a bank everything u have and in a time of need... they cut you for no reason .... they knew about the fraud .... The XXXX is handling it I guess but I but a report to ftc ... and DOJ Civil rights division and I did one with you guys with respect of regulation and authority .... I sent a warning to CRA .... and they failed to send it to the creditors ..... This is ridiculous... ridiculous .... I need help went from good credit till bankruptcy in matter of 6 months with good payment history ... .besides the fraud... but that. An take time... .I know I ca. Never get ahead because of idtheft ... .if it ain't t a stranger it's your family or friends ... .. Syncrony Bank should take a moral issue and stand for what's right... That putting me my wife kids and father who is XXXX yr old vet that's had open credit limit that ain't been touched .... It makes no since .... Synchrony Bank take a Ethical and Moral stand ... .. We pay and we victims and still pay .... but XXXX no late payment and we quailify XXXX coming out of my account .... I paid you XXXX that when on dog passed away no included the other ..... Remember Synchrony ..... I and my father was with yall si ce XXXX XXXX not a late payment nor default .....

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 2022-04-07
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: EQUIFAX, INC. (NC)

Complaint:
Upon reviewing my updated credit file, incorrect information were found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : 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

Company response to consumer: Closed with explanation