hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Complaint:
I pulled my credit report and there are inaccurate name variations, addresses, and employers listed. 

INACCURATE NAME VARIATIONS XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MY CURRENT ADDRESS IS XXXX XXXX PLACE CT, XXXX XXXX, OH XXXX - THE FOLLOWING ARE INACCURATE ADDRESSES XXXX FAIRWAY OVERLOOK, XXXX, GA XXXX XXXX FAIRWAY OVERLOOK, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX MY EMPLOYER IS XXXX XXXX - THE FOLLOWING ARE INACCURATE EMPLOYERS XXXX XXXX XXXX XX/XX/XXXX I CAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX TEACHER XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Complaint:
I went to court and hired an attorney to settle the debt. I have copies of the mediation and settlement agreement and Equifax is still reporting it on my credit. I have attached copies of the settlement documents as proof in my file. Equifax is abusing its credit bureau priviliges against consumers in an effort to get money out of them and still not doing their part in holding up to their agreement. Equifax needs to block them in e-oscar so they will not be able to hurt the public and continue to manipulate consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
I have made several attempts since XX/XX/XXXX  and every month afterwards. My last date I sent another dispute was on XXXX XXXX  XXXX has fail to provide me verification of proof of the bankruptcy of the name and contact person whom they said they verified with at the United States Bankruptcy Court. I also sent a letter to XXXX from the bankruptcy court stated that they didn't provide no information to any credit agencies. 

XXXX also fail to remove addresses and names that does not belong to me. 

There are several accounts that is not mines that they keep saying is verified as accurate but I have ask repeatedly for the name and number of the person they spoke with to provide this information and they have fail to do so I really need some help because I'm constantly disputing every single month and have spent plenty of money sending out certified mail to them every single month. This is affecting me for getting a house I need my credit report to be fix, updated and report accurate

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 2018-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (AL)

Complaint:
I have had trouble with this account due to their system error that gave incorrect amount of days that my account was past due that caused me to pay over 30 days late and I also was told by one of their representatives that if I paid by XX/XX/2017 it wouldnt reflect a late payment. I have disputed with credit bureaus and have asked the company to fix this since they had a system errors. Multiple representatives have verified that they had a system error but still havent fixed this. I have been working on this since it happened on XX/XX/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 2019-09-08
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. (TX)

Complaint:
XXXX XXXX reports a collection account with XXXX for a balance of {$310.00} which is not due and has never been due and with conversations with XXXX XXXX, they will not remove it from the credit report ( even if paid ). 
I have requested the credit bureau to remove it and have not been successful in this effort.

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: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (MA)

Complaint:
My name is XXXX and I am writing in high hopes that you will be able to help resolve a very concerning fraud claim that TD bank has failed to resolve the first time. I filed a claim on XX/XX/XXXX after I had been a victim of fraud. To my utter surprise, my claim was denied. I am disturbed that TD bank would reject a claim that has fraud written all over it and is of no fault of my own. I am also shocked that TD bank would reject this claim during this challenging time in our world and also since I have been a loyal TD customer for years. I submitted a second claim tonight, XX/XX/XXXX and plan to bring evidence ( screenshots of text messages between me and the hacker ) of this fraudulent situation to my local TD branch. Below is an outline of exactly what happened on XX/XX/XXXX. 

I received a text message from the TD Bank Fraud protection department asking if I recognized a charge on my card, which I did not. I called TD bank immediately, and as I was calling, received a call from the exact same TD bank XXXX ( XXXX ) XXXX number. Assuming it was fraud checking in with me, I answered. They sent me a verification code via text to ensure it was a TD representative ( with the exact number and wording that TD bank uses ). After this, they promised to reverse the funds that had been taken out of my account and asked me to type Y for yes to verify the " reversal funds to get the stolen money back into my account. Apparently I have been told by the bank that this was done on an app called XXXX and I had no idea what XXXX even is because I have never used or heard of XXXX in my life. Its shocking to me that these transactions have been processed without my authorization and that the bank is not there to protect me. I never at any point authorized anyone, including myself, to use XXXX with this account and was never notified by the bank that XXXX was being used with my account. 

The claim was at first denied because I had authorized this transaction, but it is clear that I was a victim of fraud since the hacker had so well impersonated TD bank. I am disappointed and disgusted that XXXX was taken from me and that TD bank claimed that I had willingly verified the charges when in fact I had blatantly been tricked and a victim to fraud due to the exact TD bank phone number and wording of the messages. 

TD bank has been awful in helping me resolve this problem - I have gotten little to no support or empathy for the loss of XXXX. I filed a police report and have another claim in, and I am hoping that you will be able to help resolve this case. 

I appreciate your time and consideration and look forward to hearing from you. 

Warmly, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Complaint:
to my complaint # XXXX. Payment was sent to COAF in the form of a XXXX for fulfilment of payment defined by the IRS website which indicates that the recipient must file the form with the IRS to receive payment. Defined here : File Form XXXX, Acquisition of Secured Property, for each borrower in full or partial satisfaction of the debt, you acquire an interest in property that is security for the debt, You need not be in the business of lending money to be subject to this reporting requirement. Subsequent holder. A subsequent holder of a loan is treated as a lender and is required to report events occurring after the loan is transferred to the new holder. 
I was told that COAF does not accept XXXX as payment, however I was not given a reason why COAF could not accept the XXXX. Also by Postal Rule CAOF in fact have already accespted my offer of payment. I also sent a payment of Negotialbe Insrument money order payment coupon in which they also rejected : Definition- Negotiable instruments are mainly governed by state statutory law. Every state has adopted Article 3 of the Uniform Commercial Code ( UCC ), with some modifications, as the law governing negotiable instruments. The UCC defines a negotiable instrument as an unconditioned writing that promises or orders the payment of a fixed amount of money. 
so my case has note been properly handled by COAF.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

Complaint:
After months of trying to amicably resolve this with this company, I then went to my credit card company, Capital One and addressed my concerns and requested that a case be opened on each file. After being promised that a file was opened, and calling back three times to find out this was not the case, trying to do this three different times without success, I asked for a manager by the name of XXXX who was able to assist me in opening the case. She advised based on the date of the transactions, that they would need to send this to the back office for review. NEVER once was I told under yesterday of the timeline I had to dispute such transactions. NEVER WAS I TOLD until TODAY the true status of my case after I was told several times that I would be contacted by mail within 10 days. Nothing has happened. They have requested paperwork that they've sent to MC only for me to be denied and ultimately for me to be re-billed. This is totally unfair and I have not been afforded the protection this company BOASTS of in protecting their customers. 

Only today was I given the correct information about the timeline for disputes, only today after calling for weeks to get an update that each representative promised would occur in writing in 10 days did I receive one after speaking with XXXX ( XXXX ) who informed me that my disputes were filed against Mastercard 's timeline and that Capital One would ultimately re-bill those provisional credit back to my card. I was advised to contact MC, only to be told by MC that THEY WERE NOT investigating any case and transferred me back to Capital One. The only thing that has been consistent is the inconsistent information and the POOR customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lamont, Hanley & Associates, Inc. (OH)

Complaint:
I dont owe this debt. 
Pursuant 15 USCe. ( 2 ) ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (UT)

Complaint:
Someone opened a credit card with Chase Bank in my husbands name, we only found out about it when we went to apply for a car loan and saw we had a balance of {$18000.00} from chase bank. We have never banked with chase and after this never plan too. We contacted the credit agency, and chase bank and got it resolved, the balance wiped from our credit, and chase bank closed the alleged account and have noted it as fraud. Since then we have been getting calls from a so called chase bank saying we owe a balance on our chase credit card of {$18000.00} and they want our social to confirm and make a plan for payments. A total scam and they call me every day XXXX a day. So sick of these scammers. Their phone they call from is XXXX ( XXXX ) XXXX please get these credit card scammers and stop them from taking peoples identities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

Complaint:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. 

How can a disputed be resolved if the customer disagrees, who resolved the disputed accounts, no reasonable procedure was performed it is a violation to my rights to claim that an accounts has been resolved if I didnt resolve it and its still reporting inaccurately. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed accounts below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 


Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midstate Collection Solutions, Inc. (IL)

Complaint:
MY NAME IS XXXX XXXX & I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE THE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT & REQUEST.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MO)

Complaint:
In XXXX of this year ( XXXX ) I was solicited via email to open up an XXXX XXXX XXXX XXXX card. I had one years ago and cancelled it several years ago. I called American Express and asked if I would still be eligible to receive the points ( XXXX ) and was assured that I would. I opened up the account, spent well over the needed amount to qualify and waited for my bills, and points to be awarded. After the second statement, I called and asked about my bonus points ( XX/XX/XXXX, I believe ). I talked to XXXX tiers of people ( representative, supervisor, manager ) and was told that I did n't qualify because I previously had this card ( opened it up back in XX/XX/XXXX ). But they would consider it and to call back in two or three weeks. I think they knew at that time that I would n't qualify and they were just putting me off. I called today ( XXXX XXXX, 2017 ), was on the phone well over 30 minutes, talked to three levels of representatives again and was told sorry, no deal. I think this is a classic bait-and-switch, XXXX XXXX-gate, or out and out fraud, whatever you want to call it. We can refer to it as American Express-gate. Thank you, XXXX

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: 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. (CA)

Complaint:
I need this late payment removed from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

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 2017-07-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (DC)

Complaint:
I having been working with GM Financial regarding my loan. I was told numerous times by representatives that I would be able to get a deferment on my loan after I have made 6 payments to  them. I have been making payments to them when I can due to financial difficulty. I have also had the website again blocked and paying each time I pay my car note XXXX dollars in fee to use my CC. They said also by representatives that they can what they want when they want. This is my second complaint against them still with no real resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant & Weber (ND)

Complaint:
I received an initial notice dated XX/XX/XXXX from Grant & Weber , Inc., of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX  notifying me of an account referred to Grant & Weber in an attempt to collect the balance now due in the amount of {$150.00}.
I attempted to contact the company on XX/XX/XXXXfrom the email address listed on their company web site ( http : //www.grantwebster.com/contact-us.html ) at XXXX. As of today, XX/XX/XXXX, I have not yet received a response to that email. Since I had not received a response within 30 days, I printed the email verbatim that was sent on XX/XX/XXXX, and then added a hand-written statement that I had attempted to contact them within 30 days to dispute the validity of the debt until further clarification can be made. Please provide a written response to the questions below to the address that you have on file. This letter was sent to Grant & Weber on or around XX/XX/XXXX. I have yet to receive a written response to that inquiry as of today, XX/XX/XXXX.
If Grant & Weber has attempted to contact me since, it has not been in writing, nor have they used any identifiable telephone number nor left a message identifying themselves to my voicemail.
Since I only knew account in reference from Grant & Weber, I have attempted to resolve it directly through them as the account is now in their hands. The original creditor has not been contacted as I have no reference to the specific account sent to collections.
Please see the relevant documents attached below.

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 2023-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (SC)

Complaint:
I corrected the account with the original debtor once I found out about the account. By that time it was sold to a collection agency but it states they will take care of it. I am a victim of identity theft fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
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. (SC)

Complaint:
XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX I have 4 hard inquiries on my credit report that I did not authorize. I also went to a car dealership and applied for a car and was told my credit would be ran once instead my credit report was improperly use. They ran it multiple times, and I did not authorize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Bread Financial Holdings, Inc. (DE)

Complaint:
The tv stop working and they would not give us a new one

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ORG GC GP Buyer, LLC (FL)

Complaint:
I received a letter saying I owe {$150.00} to XXXX. 
I pay my internet bill to XXXX on time every month for the past 2 years plus. 

I do not owe any balance to any bill concerning XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
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. (NJ)

Complaint:
XXXX, Experian and XXXX  has been reporting inquiries on my credit reports that I did not authorize. 
On XX/XX/2020 I applied for financing at XXXX XXXX XXXX in XXXX, NJ. I urged their sales team to only apply for financing at one bank, I found out later it was more than three banks. Here are the ones not authorized : XXXX - XXXX XXXX XXXX - XXXX. XXXX XXXX 's XXXX - XXXX XXXX XXXX  - XXXX The other inquiries on my reports I do not recognize and are otherwise fraudulent : XXXX XXXX - XXXX and XX/XX/2020 XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  - XX/XX/2020 AND XX/XX/2020 XX/XX/2020

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