hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-08-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

Complaint:
XXXX of XXXX : XXXX XXXX XXXX, VIN # XXXX was purchased from XXXX XXXX in XXXX, California. The vehicle was financed with Fifth Thirds Bank with co-borrowers. XXXX of XXXX : requested a payoff amount and paid off the loan. Title for the vehicle was issued to the co-borrowers jointly. XXXX of XXXX : Title was changed to the primary owner/driver of the vehicle. XXXX of XXXX : Fifth Thirds Bank alleged that the loan was not paid off and that the co-borrowers were in default of the loan. No contact or other demand for payment had been made with or to either borrower between XXXX of XXXX and XXXX of XXXX. Correspondence from Fifth Thirds Bank reflects no late charges or other fees for non-payment were assessed between XX/XX/XXXX, and XX/XX/XXXX. Bank began calling elderly co-borrower every other day at all hours of the day. Co-borrowers demanded supporting documentation regarding the alleged remaining amount of the loan and were not provided with any substantive supporting information. Borrowers offered to pay any balance upon receipt of substantive supporting information. XXXX of XXXX : Two 1099-C Cancellation of Debt forms were issued to the co-borrowers for the alleged remaining amount of the debt. Furthermore, the bank is reporting the debt as canceled and the account delinquent. Attempts to resolve the credit reporting through the dispute process have been unsuccessful. The Bank offered a solution in a prior complaint that was accepted on XX/XX/XXXX and the payoff amount of {$3600.00} was confirmed by XXXX XXXX along with promises of additional documentation from the loan file. However, they are now refusing to honor that confirmed amount to remove the issue from the credit report, are attempting to collect additional funds over the confirmed amount, and will not return attempts to contact them to resolve the complaint or to provide the additional documentation that was requested in XXXX. Continued attempts to effectuate the offer from the company have been met with silence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION ()

Complaint:
I have been trying, since XX/XX/2023 and again on XX/XX/2023 to explain to Regions Bank that I have yet to receive my new debit card, which expired XXXX. 
This happened a couple of years ago when my debit card was renewed. 
I live in XXXX. The bank has my XXXX  address, yet they seem unable to send me the new card without me having to make several phone calls to the U.S. and explaining the situation. The last time they ended up XXXX XXXX me my new card. 
I am a XXXX citizen and I have once again been without access to my funds for over two weeks. 
I explained several times to 3 different bank managers that I am unable to purchase food or gas or access my funds if I should have an emergency. Regions Bank seems unable or unwilling to assist me receiving my renewed debit card. 
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 non-monetary relief
Consumer complaint received 2017-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (TX)

Complaint:
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is aga inst AFNI for r eporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2020-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (IL)

Complaint:
Trying to connect my PNC account connected to XXXX, There has been problems in the past connecting to other third party apps like XXXX, XXXX. ETC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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. (GA)

Complaint:
I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
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: Experian Information Solutions Inc. (IL)

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
I HAVE DISPUTED WITH 3 BUREAUS OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX. I DO NOT RECOGNIZE THESE INQUIRES AND 3 BUREAUS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.

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 2021-11-27
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. (MD)

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX The company listed herein is shown on my credit reports across all Credit Report Agencies. According to them, I have opened an account and have an outstanding balance of {$400.00}. I totally and utterly dismiss this assertion. Upon discovery of this derogatory account, I did inform the company in question along with the 3 credit reporting agencies about this fraudulent account. 

I have requested verification and/or validation of this alleged debt but to date this information has not been forthcoming. I have provided proof that my personal information, including my social security number, have been compromised, as confirmed by the US Office of Personnel Management. I have also submitted a Federal Trade Commission ( FTC ) Identity Theft Report and the company in question has failed to respond. I implore this company to delete this account from my report with immediate effect.

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 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Complaint:
All 3 credit bureaus are reporting different and inaccurate information regarding these account in the attached file. It reporting different open dates for the loans and reporting that they are 120 days late on payments which is incorrect information. With the current loan forgiveness status, all federal loans payments have been extended according to the Trump ( former ) and Biden Student Loan Forgiveness. This information should not contain these current inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
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. (NV)

Complaint:
These are not my accounts listed. I have submitted my correct address with a utility bill and I can assure that I am not a credit repair company nor am I a mortgage company. Please remove these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Complaint:
I am XXXX XXXX XXXX, upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$180.00} XXXX XXXX Balance : {$7500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
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. (AL)

Complaint:
I see that someone is attempting to open accounts in my name I have several inquires that are fraudulent listed on my credit report and I want them off because its fraud these people just get on my nerves and I have completed a police report and included the FTC report with this complaint. 
inquires : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
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:
I opened a XXXX XXXX XXXX card by recommendation from credit building program called XXXX XXXX in XX/XX/XXXX. Shortly after opening the account I was hit with charges without using the card and without getting statement. I notified XXXX XXXX by phone to find out what happen. They explained when I open a card there is an annual fee upfront. So I paid it. However they reported me late on XX/XX/XXXX and this was a major hit on my credit that I have been rebuilding for 5 years. Then later in XX/XX/XXXX- {$49.00} was charged to my account again from XXXX . Again no statements and no notice XXXX XXXX kept charging late fees and I found this out when I pulled my credit in XX/XX/XXXX. Also to my surprise and Shock I had 3 derogatory late pymts from XXXX XXXX. I contacted XXXX XXXX in XX/XX/XXXX they demanded {$120.00} to discuss my account and enable me to put in a dispute. This was a clear evidence of Identity theft and fraud. I did not use this card. However I paid XXXX XXXX again {$120.00} to stop the bleeding of reporting more derogatory reports on my credit. Shortly after on XX/XX/XXXX XXXX XXXX finally responded to my dispute and AGREED I was not responsible for the identity fraud charges and all subsequent charges thereafter. I recontacted XXXX XXXX to inform them to please remove all these degratory actions dating all the way back to beginning XX/XX/XXXX. They agreed and also agreed to reimburse me the {$120.00} I paid them in XX/XX/XXXX. Unfortunately I did not get the next correspondancce until XX/XX/XXXX- again from XXXX XXXX supporting they reviewed my account and I WAS NOT RESPONSIBLE and they will report to all 3 credit agencies to remove my negative reports from XXXX XXXX. BUT I had to wait 60 more days. Unfortunately XXXX XXXX removed several negative reports but DID NOT remove the negative report from XX/XX/XXXX. and my credit continues to suffer almost 2 years later. I have been turned down for several car loans, house financing and much more. 












{$0.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-10
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. (AL)

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX Account # XXXX Date opened- 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 2022-12-16
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. (CA)

Complaint:
I am a natural person, I am a living human being I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. They have violated my rights numerous times and I demand these accounts be removed because.

According to 15 USC 1681 : I have the right to privacy and I did not give Equifax read information to furnish these accounts. 

Accounts are XXXX : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (FL)

Complaint:
I authorized PNC Bank via Online Banking Pay Bills to issue a check XX/XX/2019 to XXXX XXXX for a maintenance fee. The check never reached the payee and was cashed at XXXX XXXX  on XX/XX/19 with an endorsement " XXXX XXXX XXXX '' on the back. I reported these facts to XXXX XXXX, Manager of the XXXX branch of PNC Bank on XX/XX/19 and after signing a notarized affidavit was assured the money would be replaced in my account within the week. On XX/XX/19, I received a request for the payee to sign an affidavit which he did. After many calls to the Fraud office of PNC, reassurances by multiple PNC Branch managers, the answer is " XXXX refuses to reimburse PNC. '' And until that happens, I will not get reimbursed for their mistake. In addition to the stress and aggravation, late charges are accruing. In addition to the possible adverse effect on my credit rating, if this was a mortgage payment or insurance payment, more serious consequences could occur. I think the public should be made aware of the careless handling of our money. 
I am appealing to your office to investigate this matter as it does not show signs of being resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (CA)

Complaint:
Around XX/XX/XXXX, we received an alert from our ProtectMyID service, as well as XXXX credit card that a major derogatory has shown up in our credit report under the name AFNI Collections. We tried resolving it through the XXXX service but after some phone tag, they seem to have no intention of helping us further. We later received another alert - XXXX XXXX. Also note that the original Creditor account numbers are the same, so I assume that the collections account was sold from AFNI to XXXX XX/XX/XXXX. 

I contacted XXXX XXXX, found out it's a XXXX XXXX  account. I contacted XXXX XXXX, was told it's an XXXX XXXX XXXX XXXX account, and was given some information about the account, including an account number. I was then being " transferred '' to the XXXX XXXX XXXX XXXX department, but was put on a very long hold. I waited 30 minutes and gave up. Then I tried contacting AT & T UVerse directly, but the operator kept routing me to extensions where no one ever picked up the line, and the call disconnected. I am at a loss, I can't contact the company that is doing major damage to my credit. I have already submitted a report to the FTC, and planning to freeze my credit, but I need help removing this from my credit report. 

XXXX XXXX XXXX numbers called, did not receive help : XXXX XXXX Info on Fraud account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraud service address : XXXX XXXX XXXXXXXX XXXX. 
North Carolina Acct. active around XXXX - XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Roycroft Management (NM)

Complaint:
XXXX XXXX XXXX  have repeatedly called family members and my employer to harass them stating that I was going to get a parcel on Wednesday containing legal documents. I called the company and asked them to cease and desist all calls and they said they would not do that unless I agreed to settle the debt. They also said legal action was pending in XXXX XXXX. I told them I already checked the court data base and I have no litigation. They said it wouldn't show up yet, because it was pending. 

I told them that they were breaking the law with their practices, and that they needed to cease and desist, and they refused, saying the law doesn't apply to their company and they will do what they want however they want to. 

I told them that I may be willing to settle the debt, if I see it in writing, and they said they would only send things in writing if I agreed to pay, and then said I " was a snake. '' I fomally dispute the debt.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-23
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. (FL)

Complaint:
In accordance with the Fair Credit Report Act XXXX, XXXX, XXXX XXXX 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 an account without my written instructions. 

This is a fraudulent account ; I did not open any account with this creditor.

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 2019-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Complaint:
credit reporting agencies still have not removed the inquires from my credit report!!!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief