hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-08-12
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. (NY)

Complaint:
This is my various endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 2016-09-06
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Andreu, Palma & Andreu, PL (FL)

Complaint:
I am writing this missive to complain about unfair collection practices of a law firm, Andreu, Palma, Lavin, Solis. Apparently they represent a collection agency. They sent me a letter XX/XX/2016 informing me of their representation of a debt collector. I IMMEDIATELY wrote a letter attempting to understand who they were and who they were representing as well as any facts germane to this collection. I never received a reply from them, even though MY letter to them requested a reply so that I could understand their contention. I never received a reply from them. XX/XX/XXXX I reached out directly to XXXX XXXX who is a partner in the aforementioned law firm. He acknowledged receipt of my letter and admitted that he willfully and intentionally ignored it as he " thought these questions had already been answered ''. Are n't creditors obligated to respond to the person with whom they have a dispute with in a timely fashion? Are they allowed to ignore legitimate requests for information? How can I defend myself or even proceed to negotiation if I am not in possession of all the facts. The answer is, I can not! I would like this to be resolved by your agency. I want this debt to go away and any public record of this action to be expunged. I believe it is illegal to ignore a good faith request for information. Please do n't allow these predatory firms the right to ignore correspondence that seeks answers. It is a corruption of the system enacted to protect consumers. Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Aargon Agency, Inc. (TN)

Complaint:
I did receive notification of debt, however, I was not given my full XXXX days to dispute. I called the day I received the validation letter XXXX/XXXX/15. I asked what this was for as I had never received anything other then this letter, they said a XXXX item could n't tell me what it was for. I advised them I would contact my insurance company and said if this is a sling I will dispute the charges. I contacted ins. They tried to reach out to the original client about what the item was because they themselves had denied the claim but she did n't know why either. They were unable to reach out to the due to the fact that they were closed. I called the next day and advised Aargon on XXXX/XXXX/15 and spoke with an XXXX or XXXX ( ca n't remember the name ) and advised them that I was disputing the debt. Verbally, I said this has no effected the credit report and he said no but I needed send in writing I dispute the debt and I only have a week in a half to do so implying to me that it would effect my credit. According to the FDCPA I have a XXXX day validation period to dispute the debt from the day I receive the validation notice not when they get the account in their office. According to the FDCPA the collection agency can not make the consumer think the XXXX Validation Period does n't exist, and the debt collector nor the agency can overshadow the validation period. I had called the day prior stating that I just got the letter. On this day I also asked for an itemization to further explain what the charge was for. On XXXX/XXXX/15 I received an " itemization letter '' stating nothing more then what I was told on the phone " XXXX ''. On that same day I called back and spoke with a XXXX who told me that is all they show. In the conversation he stated well you just said that you were told something different on the phone then in the letter and I advised him no I said I was told the exact same thing which did n't tell me anything on the phone and seeing the same thing in writing does n't tell me anything different. He basically told me I was a liar when he just misheard what I said. That is harassment according to the FDCPA. 
I had n't spoken with this agency again until XXXX/XXXX/15 to get the names of the individuals and spoke with XXXX who then trans me to the Operations Manager XXXX XXXX I asked him for the names of the individuals I had spoken with he refused to give them to me stating it is proprietary information and he only collects information. Advised him that FDCPA had been broken I was going to file a complaint he advised me I could sent that to him in writing but still refused to give me any information I asked to speak with his supervisor and he said that would be the owner and gave me his name.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2018-08-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Complaint:
On XX/XX/2018 I went to the Bank of America ( BOA ) website to check my credit card and saw an advertisement that said BOA was opening branches in XXXX ( my city ) and offering a {$300.00} bonus after meeting the terms of the account. I opened my account and captured a PDF of the exact offer I used just in case. On XX/XX/XXXX, I contacted their customer support team ( via XXXX ) to confirm the offer since I didn't get anything in writing. The customer support asked me to email documentation, which I did that same day ( XX/XX/XXXX ) - this is Case # XXXX. A few days later, he called back and confirmed the {$300.00} bonus. A few weeks later I met the terms of the bonus ( including changing my direct deposit for over {$4000.00} ). On XX/XX/2018, I receive a letter in the mail saying my bonus is only for {$100.00}. I contact the customer support team again and receive a call on XX/XX/2018 saying that I was not targeted for the {$300.00} bonus. I explain that I am targeted and I still see the offer when I go to login to the website, I also tell them about the previous case where I was told this was resolved and submitted the offer. They will not honor the original {$300.00} bonus offer. 

Also, the offer is viewable here : XXXX XXXX XXXXXXXX XXXXXXXX I'm attaching a PDF version of it.

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 2018-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Credit Karma, LLC (NY)

Complaint:
XXXX XXXX reported a charge off for XX/XX/XXXX payment and failure to pay I paid that account amount XXXX every month they continue to report both account one which is paid off delinquent and negative and bad credit charge off Ive been with XXXX XXXX for 27 years with out a miss payment a disagreement over a statement and payment cause them to bring me to court I never reicieved a court order in mail paid a lawyer who took my money had to deal with XXXX and XXXX law firm even them knowing I had a lawyer also payments were made out of my XXXX check which is XXXX dollars I tried in vein to make payment to the point off having someone call in payment s to law firm so payment date various due to them the collection law firm putting the payment through this ruined my credit and my life 32 years of credit 100 % payment history ruined and still XXXX XXXX n law firm continue in tased practices

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Revenue Recovery Corporation (GA)

Complaint:
I asked for a detailed bill of my account and was told they do not have to give me one. How do I know the debt is valid without the original bill. They sent me a statement that I promised to pay which in fact I did not I wanted a detailed bill.

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 2023-01-19
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. (GA)

Complaint:
In accordance with the Fair Reporting Act Reporting, XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States right of privacy belongs to me, so I have the right of privacy. Also in section 15 U.S.C 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

I have not given my written instructions to furnish this account so please remove this from 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 non-monetary relief
Consumer complaint received 2021-11-02
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: WELLS FARGO & COMPANY (NC)

Complaint:
I notified Wells Fargo credit card services for 2.5 years regarding the numerous repetitive erroneous, false charges appearing on my credit card statements, for items never purchased, nor were ever delivered, and several times while reporting the fraudulent charges, I requested my card number to be changed. Instead, they increased my credit limit on the already-compromised account, still being fraudulently charged, of which they didnt investigate, make the then-XXXX  acct number unusable to combat falsely-charged items, nor did they ever remove the false charges after my numerous requests to get them to remove the false charges, change the card number or turn the card off as it continued to be falsely charged with the newly inflated credit limit. They can certainly, and should verify with delivery services ( like XXXX, XXXX, XXXX, etc. ) that the merchandise they were charging me for was never delivered to me. I spent an enormous amount of time trying to get them to be accountable, and for them to not hold me responsible for falsely-charged, reported falsely charged items, of which I would certainly not charge up on a credit card, which was eventually maxed-out with continued fraudulent charging upon the new, inflated credit limit. This should not reflect poorly or as negative on my credit report, as they were notified of the false charges in a timely manner ( XXXX ), all actual truthful charges I paid off, and the numerous hours Ive spent in sending letters and via phone calls should have been enough to warrant them verifying that I never received the products/merchandise, and for them to remove these charges from my account, I shouldnt be responsible for the reported fraudulent use of my account-credit card number after my notifying them, ( XXXX was my acct # then ), that these charges were bogus, I shouldnt have to pay for false charging on my account, I believe that they should be responsible to me for verifying these items, non-ordered/non-delivered, are removed from my account charges and corrections should be made to reflect truth. I especially should not have this account reflect negatively against me on my credit report, considering the extraordinary amount of time and energy I have had to spend in order to attempt to have these false charges against me corrected for truth, and to have the fraud removed off my account.

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 2023-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
I am writing to bring to your attention an ongoing issue with my credit report. I have discovered that you are reporting inaccurate information regarding a XXXX XXXX revolving account, which was previously removed and has now reappeared without my consent or knowledge. Despite numerous attempts to reach out to you and resolve this matter, no corrective action has been taken on your end. 

As a consumer, I am protected by various laws, including the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure the accuracy of the information they report. According to 15 USC 1681i ( 5 ), it is your responsibility to modify or delete any information that is found to be inaccurate. However, despite my efforts, you have failed to take any corrective action, and continue to report false information that is negatively affecting my credit score and ability to obtain credit. 

Furthermore, as per 15 USC 1681b ( 1 ), credit bureaus are required to obtain written permission from consumers before reporting their information. I have not provided such permission for the XXXX XXXX XXXX XXXX ( Revolving ) account to be reported, and yet you have included it in my credit report, which is a clear violation of this law. 

I also want to highlight that I have the right to privacy, which has been completely disregarded by your organization. According to 15 USC 1681, I have the right to have accurate and private information reported about me, and this right has been violated due to your inaccurate reporting. 

In light of these violations, I demand that you immediately delete the inaccurate information from my credit report, including the incorrect addresses associated with the XXXX XXXX XXXX XXXX ( Revolving ) account and remove the freeze alert. I also request that you compensate me for the financial losses and emotional distress I have endured as a result of your inaccurate reporting. 

I urge you to take immediate action to rectify this situation and ensure that you comply with the laws that protect consumers ' rights. 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 non-monetary relief
Consumer complaint received 2022-08-20
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. (PA)

Complaint:
Equifax is being false and deceptive. They removed an account from my report then reinserted the account without my consent. I did not authorize them to furnish this account XXXX XXXXXXXX XXXX XXXXXXXX on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are DEPT OF ED/XX/XX/XXXX DPT ED/XXXX, XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF ED/XXXX, XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX, XX/XX/XXXXXXXX XXXX # XXXX, XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX, XXXX, XXXXXX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2022-06-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNCOAST CREDIT UNION (FL)

Complaint:
They are merging debit transactions into ach and charging nsf fees as if a check was processed. No checks were written, no bearer documents processed. All fees were charged against automatic clearing house transactions or debit transactions. The fees are therfore illegally placed under laws describing and allowing said fees against checks. Furthermore none of the fees are the result of any real world loss or payment by the bank such as covering said transactions. Fees total {$140.00} for 5 alleged attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
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: Experian Information Solutions Inc. (FL)

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-02-23
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: TD BANK US HOLDING COMPANY (NY)

Complaint:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy, 15 USC 1681, section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions, under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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:
I am victim of Identity theft. Please delete those hard inquiries off my credit report! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
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: CITIBANK, N.A. (IL)

Complaint:
Unauthorized inquiry

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 2022-07-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Portfolio Services, Inc. (AL)

Complaint:
I have sent several letters and called consumer portfolio services who are reporting a repo on my credit. Today is actually the XXXX day since I wrote them the first time and they refuse to verify the debt. I have asked for a sign contract and also the info from auction as I was not notified of anything. They will not return my calls nor letter. Since they can not verify it should be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (CA)

Complaint:
I paid off this bill with XXXX with a XXXX visa gift card in XX/XX/2015. XXXX claimed they never recieved the payment. I emailed and faxed over proof of payment. They continued to ignore and placed it into collections. The collection was FINALLY removed 3 months ago, but now it seems as it has resurfaced. This is damaging my credit. I WILL SUE XXXX!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2023-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief