hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-09-10
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 (CA)

Complaint:
I received the response from Capital One and it seems I was not clear enough, and that has caused confusion. That is my mistake and I will be more detailed this time. I did not mean to suggest that my original Capital One account was the one opened fraudulently. My original account ( opened 2012 ) was compromised. After someone gained access to the account, they changed the address for statements to an address in XXXX XXXX. They then obtained an additional card and began making fraudulent charges on my account. That is the information I am disputing. The charges that were made AFTER the billing address was changed and a new card was obtained. My only issue with the initial response is that Capital One states I never disputed ownership of the account. While I never explicitly said this account is not mine I absolutely disputed the validity of the account after it had become clear there was fraudulent activity. Again, to summarize, I am not saying I never opened this account. I am saying that it was compromised, and I should not be held responsible for fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
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: SYNCHRONY FINANCIAL (TX)

Complaint:
I purchased items from XXXX using PayPal and my PayPal credit card issued from Synchrony totaling {$1600.00} on XX/XX/XXXX. The transaction was broken into multiple transactions : {$210.00}, {$950.00}, {$27.00}, {$27.00}, and {$430.00}. XXXX 's claims to have issued three refunds totaling the full amount of {$1600.00} broken into 3 transactions : {$950.00} on XX/XX/XXXX, {$59.00} on XX/XX/XXXX, and {$640.00} on XX/XX/XXXX. However, only two of those transactions ever posted on my account ( {$950.00} & {$59.00} ) and I have been forced to pay the {$640.00} for merchandise that I have returned almost a year ago! In fact, the merchandise was returned in XXXX. I have been fighting with PayPal, Synchrony, and XXXX 's for almost a year and have spent hours ( 25+ ) trying to dispute this and have opened multiple inquiries, all which are always ruled in the favor of the merchant and Synchrony nor PayPal has done anything to track down what has happened to the returned funds from the Merchant. This has been an incredibly aggravating and experience that has not only cost me lots of precious time, but also has left me out of pocket for {$640.00}.

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 monetary relief
Consumer complaint received 2020-01-13
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. (FL)

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE 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 2023-08-10
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: Experian Information Solutions Inc. (IL)

Complaint:
This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.

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 2018-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (NY)

Complaint:
I try to apply for credit card with TD Bank fot the XXXX XXXX XXXX XXXX and i was Denied XX/XX/XXXX on Applying for a Credit Card With TD Bank and Inquiry was Posted on my Credit Report Until XX/XX/2020 and the reason why i was Denied Insufficient credit history showing on my XXXX  Report i contacted XXXX and there is not problem with my Credit Report and i have good credit score on my credit to be denied for a credit card account with this Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX  XX/XX/XXXX XXXX XXXX | XXXX XXXX, XXXX XXXX  XXXX of XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AL XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XX/XX/XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} ; XXXX XXXXXXXX Balance : {$7900.00} ; XXXX XXXX XXXXXXXX Balance : {$7700.00} ; XXXX  XXXX Balance : {$9400.00} ; XXXX XXXXXXXX XXXX Balance : {$3100.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX & XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$3500.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 non-monetary relief
Consumer complaint received 2020-01-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (CA)

Complaint:
I am a protected veteran. I am diagnosed with a XXXX XXXX XXXX. I have XXXX  problems. I thought I would sign up for Auto Pay to help myself. But what is happening is I forget I have Autopay and I will make a payment. Unfortunately the bloomingdales   computer program will not recognize a payment made and cancel the upcoming auto pay and they take a second payment. This had happened several times in the past and onXX/XX/2020. I have other creditors that put a reminder on the bill so that the customers don't make the same mistake. When I called bloomingdales to explain the situation and ask that they take steps to prevent customers, who have a XXXX  as I do, from making double payments, they acted as if there is nothing they can do. It seems to me that they just like this situation. I believe that they can put a note on the monthly bill that reminds the customers that they have XXXX. Or they can update their computer systems to recognize that a payment has been received, and a statement made to that effect, to advise the customer. Thank you

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 2023-08-17
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. (TX)

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2018-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Complaint:
After 3 attempts, I have attempted to remove the " dispute '' status information from my credit reports. Time and time again, after speaking to customer representatives from XXXX, Experian and XXXX, I was told the dispute comments would be removed ( since I'm no longer disputing the information ). I do not know what else to do, since the credit reporting agencies continue to place the accounts in dispute, after I have told them to permanently remove it ( as I'm no longer disputing the status of the accounts ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

Complaint:
I owed XXXX XXXXXXXX XXXX XXXX  a balance of {$680.00} from an old apartment. I paid this off months ago, and didnt know that it was impossible to get this deleted from my credit report. I am applying for an apartment that runs credit through Experian and even tho this account pops up as paid in full, they refuse to approve me until it is just gone and doesnt pop up. I have contacted the creditor and they claim that it is impossible to get this deleted. I have no other housing options as this is the only place I have to live with a roommate who is already here. I wanted to try everything I can do to get this account taken off my reports.

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 2023-02-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mercedes Benz Financial Services (DC)

Complaint:
My original complaint # XXXX, was closed today, XX/XX/2023, by Mercedes-Benz with explanation . The company 's explanation is insufficient and in dishonor. This matter is still open.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Complaint:
I have identified information on my credit report that does not reflect any transactions made by me. These accounts are the results of identity theft. I have never lived at the residents listed in attached documents, and for proof I have included a copy of my utility bill showing that I have not lived at the residence tied to fraudulent accounts. Also, my state id card and social security card is included, along with identity theft 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 2019-03-01
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: DISCOVER BANK (CA)

Complaint:
On XX/XX/2018, I picked up my vehicle from XXXX XXXX XXXX in XXXX, California after a supposed strut assembly installation job was done. After picking up the vehicle, the vehicle was making novel noises from the right front wheel, indicative of problems. I asked the merchant, XXXX XXXX XXXX, what they thought the issues were. They said they are not sure, came up with several incorrect suggestions, and lastly told me to take my business elsewhere. In order to get my vehicle back, which I needed for work and school, I had to use my credit card as collateral, though I knew the job by XXXX XXXX XXXX to be botched. XXXX XXXX XXXX proceeded with charging my card an unauthorized amount of {$640.00}. After receiving my vehicle back, the noises worsened. I then towed the vehicle to another shop near my hometown and they determined the vehicle to be unsafe to drive, caused by bad work. Statements from a pre-inspection done on my vehicle before visiting XXXX XXXX XXXX corroborate the second shops statement. 

Because of the bad work done by XXXX XXXX XXXX and a job which rendered my car from operable to inoperable, I opened a case with the California Bureau of Automotive Repair. The case worker complied a file that tagged multiple violations on the part of XXXX XXXX XXXX - including performing work on a customers car that the customer did not obtain proper authorization for. California law states that a signature must be obtained before work is to be done on a customers car, verifying that the customer agrees to the repairs being done. 

Since the card used as collateral in the transaction was Discover credit card brand, they were the ones contacted to dispute this transaction. The FTC allows a 60 day window for charges to be disputed on the account of unauthorized charges and for services not delivered as agreed. Therefore, under dispute is two-fold : that XXXX XXXX XXXX did not obtain proper authorization to work on my vehicle and that their attempt at service was bad work, leaving my vehicle inoperable. Discover has refused to recognize either dispute and claims that I agreed on the services. They further claim they are unable to accept legally-affiliated documents, which cover improper credit authorization. 

Please request the California Bureau of Automotive Repairs file claim covering the violations of XXXX XXXX XXXX as needed. I will then proceed to file form SC107 in the XXXX County Court System to provide an untouched copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
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: JPMORGAN CHASE & CO. (FL)

Complaint:
I book hotel through XXXX for XX/XX/2018 check in XX/XX/2018 check-out one night. 

Itinerary # XXXX Confirmation XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX United States of America Problem starts at check in i did wait 3.5 hours to to get to check in desk as soon i aproach desk person working there inform me that they do not have any rooms left. 
So i did protest and after 30min they find room for me it was allready XXXX when i get that room. 
So i did call XXXX to refund me because service is not rendered in timely manner they refuse it, so i did call my chase credit card they refuse to help also. 
Hotel charges was for {$250.00} USXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
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. (IN)

Complaint:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
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. (NJ)

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. XXXX really sick and tired of these XXXX. Should there be any updates on my inquiries, XXXX gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 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 Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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: Experian Information Solutions Inc. (MO)

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Complaint:
Company XXXX XXXX XXXX XXXX is attempting to collect a debt in my name for XXXX XXXX XXXX XXXX XXXX. I am in. O way familiar with this debt nor is this debt mine. Furthermore XXXX IS NOT the original creditor. I do not know anything about XXXX... I have never authorized any business with XXXX  Nor XXXX XXXX XXXX. I have opened a police report and this This account needs to be deleted.

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