hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-03-14
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: Experian Information Solutions Inc. (NY)

Complaint:
I sent a five disputes to the following credit companies. Experian, XXXX and XXXX, dated XX/XX/2021 and the companies are not complying to their own policies in a timely manner.

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 2021-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (DC)

Complaint:
On approximately XX/XX/XXXX, I presented to this branch a death certificate and certificate of trust to name me as trustee. All documents were in order and this checking account has been with PNC since XX/XX/XXXX when it was acquired from National City Bank. Since then, going on 4 weeks now, I have been in the bank numerous times to inquire about this account as they have been holding funds in excess of {$68000.00} XXXX with no end in sight. All bank employees, including the manager, state there is nothing they can do until headquarters acts. I have not received one phone call or communication regarding the delay. The manager and employees have " heard '' they are trying to find the original signature card from 20 years ago at another bank when this is completely moot. I am now the trustee as named in the trust document that they have had for over ten years and they now should only require my signature. Just today, the manager told me he would call HQ and call me back and he never did. I am demanding the release of my funds from this bank immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
XXXX XXXX has wrong information no accounts have been opened on date XX/XX/2020 I have tried do dispute with no success this information is wrong I did not open any account with this date

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 2023-04-14
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: EQUIFAX, INC. (FL)

Complaint:
XXXX - XX/XX/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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

Complaint:
XXXX XXXX XXXX I Also known as XXXX XXXX XXXX Account number XXXX 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 Account # XXXX XXXX XXXX I Also known as XXXX XXXX XXXX Account number XXXX 15 USC 1681 section 602 a States I have the right to privacy 15 USC 1681 section 604a section 2 it also States a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 c 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 USC 1681 s/2 A1 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Complaint:
Company issued a CC without any valid form of payment ( online logins, instructions, or call-backs over promised ). On day of attainment, I got approved but was not instructed or contacted to actually activate payment method, or online login ( little did I know ). I asked the lady as I got approved, and she mentioned I would be contacted by them for further instructions ( XXXX branch )!!! I have always paid on time, and its the only ding I have on my credit. 

I used to have a 700+ and it's dropped significantly now ; my only intention on ATTAINING this card was to build credit! I have been up-to-date and will continue to do so, but this was after ME going into the store next to my apartment to ask for valid form of payment, furthermore the RECEIVING of my actual card. I am a XXXX yr old XXXX, and my credit is very important to my business in and out of the office. 

The lack of communication, execution, and customer service is the result of this claim, nothing less or more. I use my SAKS card once in a while, but always make sure it is paid off now that I know what to use as login/have attained card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and 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 explanation
Consumer complaint received 2023-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

In regards to Public Record U.S. Bankruptcy Court ( reference # XXXX ). 

In addition, the court has stated, " The United States bankruptcy court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumer files. '' Therefore this information has not been verified for accuracy and does not belong to 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 2020-12-06
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:
All 3 bureaus are reporting this account as debt still being owed. This account was promised to be removed from my credit BUT HAS UPDATED TO 50 % PAID. I SETTLED THIS ACCOUNT WITH XXXX  XXXX AND IT WAS PROMISED TO BE REMOVED. SEE DOCUMENT ATTACHED. THE LAST UPDATE SHOWS I PAID THE XXXX AND XXXX IS STILL OWED. THIS IS INACCURATE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
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 (GA)

Complaint:
I Have no knowledge of this account. I never signed up to get this card. I dont know if they have confused me with another person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (CA)

Complaint:
1. As of XX/XX/2018 my Federal Loans disappeared from my acct. I double checked with navient and they couldnt find them. I had no way to pay them. I checked on student loans.gov to check if my loans were still active and with Navient. 
2. I then was blocked off the website. Now both private loans and Fed Loans are not visible online. I opt you for paper statements. I have no way of viewing my loans or paying them online. 
3. I have been calling them for over 3 months regarding website issues and they have done nothing. I have been harassed for payments but they do nothing to allow me to view my loans to pay them. I been told they have a note in my acct regarding my issues. But no one has helped me in 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Complaint:
I have accounts reporting on my credit file that do not belong to me. This includes the XXXX account. I have no clue to where this account originated. I have submitted complaints the credit agencies asking them to remove this account because this account does not belong to me. Please assist me in getting this issue rectified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$86.00} ; XXXXL Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX are reporting on my personal credit file with ( XXXX/XXXX/TransUnion ) credit reporting agency. These inaccurate addresses, accounts and inquiries were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof these were opened, authorized or created by me.

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 2017-09-27
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: EQUIFAX, INC. (TX)

Complaint:
Equifax was hacked and it appears that my data was stolen from their site. they said I could sign up for the TrustedID program I followed all the rules and signed up but after 2 weeks of trying to get into their web site I still have not been able to log in and see what if anything has happened with my data. I tried customer support but the wait times are way too long.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

Complaint:
Robo calls were being placed to my deceased fathers home. I contact the company back on the day before XXXX asking them to stop. They stated I had a debt with HSBC that they bought and wanted me to pay. I asked for verification and they said to call HSBC I called hsbc and was told there was no outstanding account by XXXX at XXXX and also there investigation department. The company calling me only said they were a litigation dept at XXXX ext XXXX which when i tried to call back was a bogus extension. I then got a call the following week from someone else XXXX XXXX XXXX which again said I owed debt but this time to XXXX  XXXX. Called XXXX XXXXXXXX again no bad debt or anything in collections called back to HSBC again no debt. Then the 3rd week I get contact made by a XXXX XXXX XXXX who stated I owed I asked for proof of charges they refused to provide any documentation I stated HSBC and XXXX XXXX both had been contacted and both stated there was no account that went deliquent or sold off. Numerous times with all 3 phone number I asked for proof of debt which was refused to me. All they could say was opened XXXX closed XXXX no payments made then last phone call said payment was made in XXXX but then stopped. I never received any mail regarding a debt in the last 7 years.. I purchased a home in XXXX and had all my mail forwarded from my prior address which i had lived at for 10 years and i have had the same phone number for 19 years and email address as long as i have been on the internet. This company had my social, date of birth, what vehicles i owned access to my credit report but no address, phone or email on me. Very suspicious. I ended up settling the bill only to receive a letter from HSBC stating there still was no account out for collections. The last contact I had was with a XXXX XXXX with this XXXX ph XXXX on XXXX, XX/XX/XXXX but then in my email I get a letter for settlement offer but no other contact from them and her name is not on that document. Also when I called back to discuss I was told she was busy and would call be back and I never received a call. I was threatened with legal action and court cost with no description of charges. I was threated that all my lines of credit would be closed and I woulid be unable to do any financial business and that if i didn't want to just pay it I would have to go to court. The tatics used were bullying and scary to say the least. As a consume i was trying to do my due deligience to validate this debt before paying it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MN)

Complaint:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (CA)

Complaint:
I have been very disappointed with the AMEX Platinum Card experience. I have been trying to spend a little more than usual on the card and I have been placed on a financial review in the XXXX month. But after that everything went well and the financial review was completed. Fast forward 2 months I spent a little more again and I get placed under a financial review for spending more again for no reason. It is so disappointing when you can not really use your charge card up to the full potential. I even got a checking account in AMEX so they know I will pay my debt to the fullest each month but it is not any of their concern. I can not keep doing financial reviews every two months that is absolutely absurd. Please do something about this man it is draining my day out and I do not want to wake up and go to work just because I have a financial review that I have to stress about and two AMEX cards that I can not use for 2-3 weeks for absolute no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
I have been trying to work with the bureaus and they have not responded to my letters. I am trying to provide for my family and make a better life for myself and they will not and have not removed these inaccurate items from my report. I need to hear something back from them so I can finish this process. It is causing immense hardship.

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 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

Complaint:
I have an account reporting on my Experian credit report through XXXX XXXX XXXX that I've been disputing for the past several months. This account was opened by my ex-spouse without my knowledge or consent through identity fraud. I've never signed any contracts or documents relating to this account and as a result I have been denied credit on several occasions due to this fraudulent established account. I've sent it Experian an affidavit identity theft report along with other supporting documentation but yet this account still remains on my credit file. Experian claims the account has been verified only due to matching up my personal information with the original creditor which is not accurate verification in the law of the courts and not to mention any individual having access to my personal information would easily be able to act as me on their behalf. Since Experian has not provided physical accurate verification, I am exercising my rights under the Fair Credit Reporting Act sections, 605b, 609, and 611.

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 2022-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

Complaint:
Hi, my name is XXXX XXXX. For the SYNCB/Banarepdc account on my credit report there is two late payments for XX/XX/XXXX and XX/XX/XXXX that I made that aren't 30 days late on the payments. If you check the account since it has been opened from XXXX there hasn't been any late payments except these 2 where there was a payment issue. Not only that I did not receive any bill or payment alert or notification it was due as I always make my payments and never miss any. I am trying to go for a mortgage loan and this is severely hurting my credit.

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 2020-02-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Complaint:
XX/XX/XXXX-present Fifth third bank continues to have unusable online banking. There are complaints all over their social medias from hundreds of people with the same issue for the same amount of time. Not only is the online banking not working, the company refuses to communivate with their customers or give updates. At most they have a random person give generic answers to a few comments and thats it. When you call their customer service line they either do not pick up to talk to you, or you waste an hour of your time to talk to someone who has no idea whats going on, or has no way to give a status update. This is unacceptable, these incidents are not far and few inbetween. 
If one only reads the horror stories on fifth third banks social media accounts and reviews that were given, the reader would surely just think this bank is filled with crooks. It was only a few months ago that fifth third bank went down entirely and no one could access their funds, with no communication from the bank, other than a few responses to comments on their XXXX, nor could anyone get any kind of answers. Something needs to be done about this company immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
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. (NV)

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need this account deleted or updated.

This is the item I demanding to be deleted immediately : This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my public record

Company response to consumer: Closed with explanation