hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BOEING EMPLOYEES CREDIT UNION (WA)

Complaint:
XX/XX/2022 I received a text message from XXXX ( XXXX ) XXXX that said a charge on my BECU card, made in Alaska, needed to be authorized. It included a link for responding. Which, unfortunately, I clicked on. It asked me to log into online banking. 

I ended up giving my birthdate, ss #, phone. Then the site said I'd need to call customer service to complete the transaction successfully so I called and spoke to a person named XXXX who asked for my address and mothers maiden name. When I went to the branch they said the phone call was probably also a scammer. They said I should take my phone in to the service provider or manufacturer because the link probably put malware on my phone! 

Since this morning I've been trying to address all the places this could hurt me. My other credit card, my other banking situations, etc. A a screenshot of the text is included below

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
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: Atlanticus Services Corporation (MN)

Complaint:
I went to XXXX XXXX I had XXXX XXXX  done. I had it done twice and paid in full. They recommended a third time. I opened a charge account there. I made an appointment but ended up cancelling it. In the mean time XXXX XXXX charged my account. They told me I would have to wait in between sessions. I had the last session in XX/XX/XXXX it was fully paid for. The third appointment I cancelled but they charged the account with out waiting until I had the procedure done. XXXX XXXX  will not pay the amount they charged back to the credit card company. I did not get it done and stuck with the bill. Can you please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
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. (FL)

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2023-05-24
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. (MO)

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately from my 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
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 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 XXXX XXXX, XXXX XXXXXXXX, 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 XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX 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 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 2017-09-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blitt and Gaines, P.C. (IL)

Complaint:
The following attorney group has been making consistent false attempts to collect a credit card debt for the following, ( XXXX XXXX XXXX, XXXX ) which is no longer due/relevant. The amount they are attempting to collect by harassing false letters and phone calls is past The statute of limitations in Illinois. 
This firm has been contracted several times before by your Consumer Financial Protection Burea,  but yet they continue to harras me by mail and phone. 
Please assist me in this matter and make this firm stop harassing me, please. 

Blitt and Gaines/Attorney at Law XXXX XXXX XXXX XXXX, IL. XXXX XXXX

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. (NJ)

Complaint:
To whom it may concern : I am writing to dispute the inclusion of a cellular bill on my credit report. I have reviewed my credit report and noticed a statement from a cellular provider that I do not recognize. I have never had an account with this provider or received any services from them. 

This bill has been included on my credit report in error. Please investigate this matter and remove the account from my credit report immediately. I am concerned that this bill may affect my credit score and would like to remove it quickly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
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. (CA)

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # 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 a account without my written instructions

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 2020-05-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (WA)

Complaint:
I have multiple accounts with Wells Fargo and I have discovered that they have been removing the interest from my account 's. They have been doing this for a few years but I never noticed because it was a very small amount ( 1 or 2 cents ) but now that I have more money with wells fargo these interest payments are upwards of XXXX dollars a month. I have tried contacting them several times and I get the round around. They tell me that the " executive office '' has to resolve this and no one that I can get a hold of can help me. I did receive one call from the " executive office '' and they told me that I signed a paper authorizing wells fargo to remove the interest from my account back in 2011. 
This does not make sense to me and I'm afraid this is an illegal activity and they are using a phony excuse that I singed some paper way back when. I have asked them to stop taking the interest out of my account but to no avail

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 2021-06-12
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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Complaint:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
Earlier this year I attempted to log into my XXXX account but was unfortunately locked out. I could not access the account because I no longer have a credit card for the account. It is an old account that was closed so at this point I am just paying it off. When I spoke to Customer Service in XXXX of 2021 I was told the only way to access my account is to apply for another credit card which I do not want to do. At this point, I am now being denied access to my account. On top of that, I spoke with an agent to see if there was any way I could skip a payment due to my financial hardship, after she asked me a few questions the agent then told me I qualified for a 3-month deferral program that would allow me to skip my monthly payments for 3 months. However, they did not properly enroll me and now I am being affected negatively affected on my credit for 2 missed payments as well as additional fees. Not only am I denied access to my account I was also lied to by a customer representative.

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 2018-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (VA)

Complaint:
Submitted a dispute to Experian via experian website for a Bankruptcy showing on my credit report on XX/XX/2018 and they said that they verified the Bankruptcy on XX/XX/2018 but after sending a letter to the court house they listed on the dispute results on XX/XX/2018 the courts replied on XX/XX/2018 that the US Bankruptcy Court does not report to credit bureaus. I submitted a new dispute today, XX/XX/2018 and submitted the letter from the courts and requested to have the item removed but have not received a response as of yet.

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 2022-08-17
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. (UT)

Complaint:
Please see attached. Trans Union made up this address because they're inept fools! Then they can't take it off???? A mistake THEY MADE ON MY CREDIT THAT STILL EXISTS THERE TODAY WHEN I RAN MY CREDIT?????? Well this is the last chance they get. I'm prepared to make this legal. I'm tired of filing these complaints and will use everything attached, including all of my renewal payments and the fact that the other 2 bureaus have the correct address on file and prove it with bills from the day I started using the POB. I will file suit for {$500000.00} against them because this is now going on 1 YEAR I've been demanding they remove that incorrect address that they made up and screwed up off of my XXXX 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
Consumer complaint received 2019-11-05
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: Waypoint Resource Group, LLC (CA)

Complaint:
I have spent time and money on getting this resolved. The story and details are very extensive but long story short : I returned equipment in XXXX and asked for services to be turned off after I moved out of my parents home 'after ' the billing cycle was done but, XXXX kept services on. I did not find out until XXXX when I pulled my credit report and I contacted the Collection Agency and also disputed many times unsuccessfully. I finally contacted the Original Creditor, XXXX and resolved the matter directly with them and the representative told me that this debt would be recalled since there are many inconsistencies an I paid them directly. Waypoint updated as paid but this should have been removed since XXXX recalled the debt. I disputed and today XX/XX/XXXX the results were " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) '' this does not meet requirement of the Fair Credit Reporting Act. Please help me Waypoint is damaging my credit report incorrectly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
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. (FL)

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$8300.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.

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 non-monetary relief
Consumer complaint received 2023-04-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CADENCE BANK (AL)

Complaint:
Ive banked with cadance bank in XXXX al. For years. Even before they bought the bank when it was people state bank. Now they say I still own over {$10000.00} on a loan that they dont have any thing on the note other than a XXXX  XXXX XXXX that they gave me permission to sell over 9 years ago. I dont owe them this money. They have been debiting my bank account which is not their bank for over a year on this so called loan. Please help me get this resolved. The payment is or has been over {$700.00} a month and I cant afford this. Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC (NY)

Complaint:
The disputed account has been given ample time to validate their position of maintaining a collection account on my personal credit profiles. It is now time that I request a division of the Federal Trade Commission known as the Consumer Financial Protection Bureau to demand accountability. I have never paid on any account to this organization. This company obtained my personal information from a debt pooling service. There was never a legal assignment or transfer of ownership. FTC v. XXXX XXXX XXXX ( 2009 ) stipulates XXXX criteria f a legal collection process : 1 ) The debt must be within the resident jurisdiction of legal collectability 2 ) the ownership transfer must be in hard copy documentation, backed up upon request and 3 ) the individual must be given ample notice or 30-days that the legal collection could be posted on a person 's credit report is not rectified within said 30-day notification. In this matter, the collection company failed on all three criteria. The CFPB needs to monitor and sanction Cavalry Portfolio Services, and a " Cease & Desist '' must once again be administered against this company for such illegal collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
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. (CA)

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has invaded 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

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 2019-08-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (NH)

Complaint:
On XXXX XXXX 2018 I bought a diamond ring for My wife for our XXXX wedding anniversery at Diamond international that they said was a XXXX for {$18000.00} when we got back Home to XXXX nh we had it appraised at a local jewler that said it was worth {$9500.00} I spoke to DI who said I had to bring it to one of there appraiser and gave me the name of XXXX XXXX at XXXX XXXX XXXX. XXXX told me the ring was a XXXX to XXXX and had XXXX chips that DI never mentioned and said yhey were probably done in the mounting of the stone. When I told this to di they said they would give me 25 % off a new mount but I have to spend double what I spent or I could get a {$45000.00} DI gift card I told this was not an option since they lied to me about my first purchase with them and told them I wanted to return the ring since it was not a XXXX that the certificate they gave me said and had two chips they never disclosed. I filed a dispute and they continue to give me bad credit rating which should not be allowed since its in dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (MN)

Complaint:
A collections report keeps appearing on my Credit Report for a debt that is not mine and I am never notified of the debt until it appears on my Credit Report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2018-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (WI)

Complaint:
On XX/XX/2018, an erroneous debt appeared on my credit file in the amount of {$120.00} for XXXX XXXX. 

I have attempted to dispute this debt with no response from Credit Management LP, and when I contacted XXXX I was told there was no history of any account with a balance. 

XXXX isn't even a cable provider where I live!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief