hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-07-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

Complaint:
I am an excellent financial user of HSBC in XXXX. According to the regulations, I have the right to open an account remotely at HSBC in the United States. On XX/XX/XXXX this year, I submitted an application to HSBC in the United States. For the next three months, I have been trying to communicate with the bank, but the reply is always very slow. HSBC asked me to provide a statement on the source of funding. At the beginning, I proposed that the money might come from my father, so HSBC asked me to provide a bank statement, which I have provided. But then I changed my mind. I thought this part of the money should come from my salary, so I offered my payslip in XXXX. At this time, HSBC is still asking for information about my father. I think it is unreasonable and I have the right to refuse to provide it. In addition, HSBC ( United States ) called me many times at about XXXX XXXX. I have complained to the relevant department of the bank about this problem, but it is invalid. I will still receive calls after that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
My name is XXXX XXXX. There is a very old account that continuously reports on my credit file with XXXX ( account number XXXX ) and it's past the statutes of limitations and needs to be deleted 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 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
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. (FL)

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion 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 incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : 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 non-monetary relief
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
On XX/XX/2023 I sent a letter to the credit bureau. The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, demands that they provide actual proof the information was verified, not a computer generated confirmation. They never provided : 1. The names and business addresses of each individual with whom they verified the information with above, so that I may follow up. 2. The date they contacted the individual furnishers of information. 3. The method of communication they used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. I was never given this information Bureau ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

1. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX 2. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 
3. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
4. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
5. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item

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 2021-03-14
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: Rushmore Service Center, LLC (NJ)

Complaint:
I FILED AN FTC COMPLAINT AGAINST XXXX XXXXXXXX XXXX BACK IN XX/XX/2020, FTC FILE # XXXX. THIS COMPLAINT WAS FILED DUE TO FIRST XXXX XXXX 'XXXX FALSE AND DECEPTIVE ADVERTISEMENT TACTICS OF CREDIT PROTECTION. THE CREDIT PROTECTION PROGRAM XXXX XXXX CHARGED FOR EACH MONTH WAS IN THE EVENT OF LOSS OF EMPLOYMENT, OR NO LONGER WORKING, THE CREDIT PROTECTION THAT THEY CHARGED YOU FOR EACH MONTH WOULD PAY THE MINIMUM MONTHLY CARD PAYMENT EACH MONTH FOR UP TO A WHOLE YEAR. HOWEVER, ONCE THE COVID 19 PANDEMIC STRUCK AND SHELTER IN PLACE ORDERS WERE IMPLEMENTED FOR THE STATE OF NEW JERSEY, THE COMPANY BEGAN REPORTING DELINQUENCIES TO THE CREDIT BUREAUS EVEN AFTER ADVISED THAT I WANTED TO USE MY CREDIT PROTECTION THAT I HAD BEEN PAYING FOR. THE CREDIT PROTECTION PROGRAM WAS A FRAUD, MORE OF A SCAM IN ORDER TO GET EXTRA MONEY EACH MONTH OUT OF CONSUMERS. AND THE COMPANY WHILE ON THE CREDIT PROTECTION PROGRAM SENT OUT THREATENING LETTERS THAT STATED THEY WERE REPORTING NON PAYMENTS/DELINQUENCIES TO THE CREDIT BUREAUS. AFTER I CONTACTED XXXX XXXX XXXX CERTIFIED MAIL WITH A DISPUTE LETTER. XXXX XXXX XXXX FAILED TO RESPOND TO THEIR FRAUDULENT CREDIT PROTECTION PROGRAM. INSTEAD, XXXX XXXX WAITED NEARLY 8 MONTHS LATER FROM XX/XX/2020 AND RE-SOLD THE EXACT SAME ACCOUNT TO RUSHMORE SERVICE CENTER. AS A RESULT, I HAVE FILED AN FTC COMPLAINT AGAINST RUSHMORE SERVICE CENTER. THE FTC FILE # IS XXXX. NOW RUSHMORE SERVICE CENTER IS CONTACTING ME REQUESTING PAYMENT FOR THE EXACT SAME DISPUTED ACCOUNT THAT XXXX XXXX IGNORED ALL CERTIFIED DISPUTES ON WHEN THEY RECEIVED THE DISPUTE LETTERS CERTIFIED MAIL. THESE TYPES OF UNETHICAL BUSINESS PRACTICES NEED TO END. AND COMPANIES SUCH AS XXXX XXXX XXXX TOOK ADVANTAGE OF VIOLATING THE LAWS OF THE FTC DURING COVID 19.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (IL)

Complaint:
Discover Card that was opened in 2017 was stolen from me and there were fraudlent charges on the act. I did file a police report and sent it to Discover. They told me that the charges would be investigated and in fact they were not. They never sent me any proof that the charges were being looked into. They did however continue to harrass a XXXXyear old woman regarding the balance on the act. At some point they sent the file to an attorney and filed a law suit without ever showing any proof that the charges I was disputing were mine. 
Spoke to an attorney who has dealt with Discover before and he told me that typically I would get a package in the mail, Dispute the charges, sign the form and send it back. I was also told this by the Rep at Discover. 
This never happened. On XX/XX/XXXX, I was served documents to show up in court. I am a XXXX year old elderly woman on Social Security. How is it that these Credit Card companies can get away with no reveiw of accounts and simply state that you are accountable for charges and never show or give you proof that you made them. This is ridiculous. I have uploaded my Police report as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Complaint:
I took action on XX/XX/2023 to dispute the delinquency reported on my credit report because I paid the car off early. I paid off a 60 months loan in 22 months. 
My payments were {$130.00} a month and my last XXXX payments were {$4000.00} and {$860.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DataMax Corporation (NC)

Complaint:
This was apparently charged to me for a doctors visit while I was in XXXX XXXX, but the doctor seems to have a private medical firm outside of that company, which he bills separately to his own practice. 

These services were never requested and I tried to deny services and leave before I was ever given services. Unless I complied with what they wanted me to do, I was not able to leave-again, this service was forced on me and I was never told the doctors visit in XXXX XXXX was going to be billed from another practice. 

I denied these services multiple times and wad forced to sign papers or be locked up in the hospital. If they considered me not well enough to leave and make my own decisions, then any agreement made during those times are no longer valid, as they were signed under emotional distress by someone not capable of thinking clearly and were forced services. I should not be held accountable for this bill given the medical staff kept me there due to their opinion I was not in a sane frame of mind, which means I did n't understand what I was signing other than I wanted to get out as the treatment there is terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-08-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 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 non-monetary relief
Consumer complaint received 2021-05-01
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (FL)

Complaint:
Since opening my XXXX XXXX  account and making gift purchases they have put a restriction on my account. Every day for the past month I have sent the requested documents to XXXX XXXX Card and they keep advising me that they cant verify my information. I last spoke with XXXX rep ID XXXX and when I suggested that I mail the documents she kept going around in circles stating that they cant verify my information. I am currently enclosing the information XXXX XXXX Card is requesting in this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (GA)

Complaint:
ERC continues to attempt to collect a debt that doesn't belong to me. I have already disputed this debt. They agreed to close it. Now I receive a letter stating that they have been authorized to report this account to the credit bureaus. They are playing around, this isn't my debt, and again, they keep saying that they have closed the account and they haven't. I am not paying a debt that doesn't belong to me. My next step will be to sue them for the max that the law allows if they do not close this account and stop trying to collect on an account that doesn't belong to me. This is NOT my debt. 

First they sent this to my parents house at the end of last year. I disputed it and they agreed to close the account. Now they are back at it. This is the last time that I will dispute this. I will hand it over to an attorney if I see this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (FL)

Complaint:
My complaint is against Comenity Bank and XXXX XXXX XXXX.I received a notification on my credit report asking if I had closed my XXXX XXXX credit card. The answer is no, I did not. Following this alert I called XXXX XXXX and then Comenity Bank, speaking to several people beginning with XXXX at the XXXX XXXX Headquarters, XXXX, a Senior Account specialist, Employee ID XXXX at Comenity Bank and then finally XXXX at Comenity Bank ext. XXXX that could not and have not answered the simple question of why they would close my account during the covid pandemic. After the credit alert, I received a letter dated XX/XX/2020 stating thank you for contacting Comenity Bank but that my credit card from XXXX XXXX was closed by the bank due to inactivity. As a loyal customer of XXXX XXXX organization, I find this unacceptable. Why would Comenity Bank and XXXX XXXX  choose to close my account during the time of the Covid pandemic when the stores were closed and I was unable to shop on site. I am a XXXX senior and do not shop on line due to my XXXX. As you can see, I have reached out several times to try to settle this issue to no avail. At the very least there should have been a letter of notification prior to this happening giving me the opportunity to use my card on line if necessary to keep the account open or close the account myself.Is there no protection from this type of action? I am very unhappy that this has happened because it is a blemish on my credit which is extremely important to me. I have asked that my card be reopened and was told that that is not possible and I could reapply. This is unconscionable for this to have happened during the Covid pandemic! I would appreciate your help in this matter. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
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: Exeter Finance Corp. (LA)

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Exeter Fin, Account # XXXXXXXX XXXX, and Account # XXXX Child Supp 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 response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southern Credit Recovery, Inc. (LA)

Complaint:
XX/XX/2019 {$130.00} This account has caused me financial ruin. This account is an result of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
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. (PA)

Complaint:
I need the assistance of the Consumer Financial Protection Bureau with the issue that I am facing. For the past couple of months, dozens of inquiries have been added to my credit report that I have NOT authorized. A scam company called " XXXX XXXX XXXX XXXX '' has been using my personal information and sending it out to several outside sources to pull my credit. I have not signed any documents or applications to cause more than 100 inquiries to be made on my XXXX report. They initially sold me on the promise of helping me start a business but nothing ever became of that. I requested a Cease and Desist months ago and contacted them again this past XX/XX/XXXX but that has not stopped them from sending my information out and causing more unauthorized inquiries to be made on my credit. The person who was in charge of my account at XXXX XXXX XXXX was called XXXX XXXX. I am including a copy of the email I sent to his company requesting a Cease and Desist. I  have discovered that they are still causing more inquiries to be made with other companies I have not requested to work with. I am considering taking them to court and suing them but I also need XXXX to delete ALL unauthorized inquiries. I also will need a fraud alert to be added to my credit as my information has been compromised by this scam company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
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. (NV)

Complaint:
Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present.

Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a 1099-C to the debtor.

Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference.

Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter. 

I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. 

Best regards, XXXX XXXX XXXX Account Information : Original Creditor : XXXX XXXX XXXX XXXX Details : {$480.00} ( 0 % paid off, balance updated on XX/XX/XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Collection Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department ( status updated in XX/XX/XXXX ) Contact Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Phone Number : ( XXXX ) XXXX

Company response to consumer: Closed with explanation