hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-03-21
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:
XX/XX/2022 RE : FRAUD DEPT/ Identify Theft Update Credit files To : The Consumer Fraud Complaint Dept . 

I have contacted Experian, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX several times regarding these unauthorized fraudulent identity theft accounts on my credit files. I have submitted several complaints about identity theft and have issued proof of identity to these companies including : federal commission trade report police report, Passport utility bills, A signed Rental Lease Agreement The following accounts are in fact fraudulent identity theft accounts, I have no knowledge of the following accounts on my personal files, and they shall be removed immediately : XXXX XXXX XXXX XXXX Date : XXXX Amount : {$0.00} XXXX XXXX XXXX XXXX Date : XXXX Amount : {$30000.00} XXXX XXXX  # XXXX Date : XXXX Amount : {$1700.00} XXXX XXXX . 
# XXXX Date : XXXX Amount : {$240.00} XXXX XXXX XXXX # XXXX Date : XXXX Amount : {$430.00} XXXX  # XXXX Date : XXXX Amount : {$440.00} XXXX XXXX XXXX # XXXX Date : XXXX Amount : {$530.00} XXXX XXXX # XXXX Date : XXXX Amount : {$19000.00} XXXX  # XXXX Date : XXXX Amount : {$17000.00} I have no knowledge of the following addresses listed on my credit files, I have also reported theses addresses to The XXXX XXXX XXXX Department, and Federal Commissions Trade Report : XXXX XXXX  XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX, Florida 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 2018-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Complaint:
Company still reporting debt I do not owe to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OK)

Complaint:
Navient began giving deferments & forbearance 's for my loan, .... and suddenly I rec'v a bill for the total, ... PLUS interest, penalties - with my orig. loan being {$30000.00}, and the bill ( due immed. ) of {$53000.00}. 
A company called " XXXX XXXX XXXX '' is calling now, .... telling me my loan can be INSTANTLY forgiven! When I asked for information about the company- they just hang-up. 
Their number is : XXXX, ... ... which a search provides no information - except that it is suspected as a scam! 

I've heard that Navient is scamming people, ... & suffering from lawsuits thereafter, so I want my debt cancelled - in full! 
I'm not going to pay - just to be scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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: Bread Financial Holdings, Inc. (CA)

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to request the removal of a charge off from my credit report. The negative marks are having a significant impact on my credit score and decreasing my chances of being approved for loans, credit cards, and other financial products. 

The charge off occurred due to a recent change in my living situation. Starting in XX/XX/2022, I was homeless for three months and was unable to make payments on my account. As per UCC 2-725, this situation falls under the category of " impracticability of performance '' as my ability to fulfill my financial obligations was hindered by circumstances beyond my control. 

I understand that charge offs can remain on a credit report for up to seven years, but I am hoping that the circumstances surrounding my situation can be taken into consideration. I have since secured stable housing and am working to rebuild my financial stability. 

I appreciate any assistance you can provide in resolving this matter and thank you for your attention to this request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Benjamin Chaise & Associates (CA)

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, has falsely and wrongfully reported me to a collection agency as purportedly owing a debt- which is not me, nor is it mine. Their agency, Benjamin Chaise & Associates has sent me a letter dated XX/XX/18, which has falsely made claims against me, reporting me with gross negligence as to purportedly owing a debt that is not mine. ( Amount stated on their letter : XXXX ). Ive never had any business dealings with XXXX XXXX XXXX XXXX XXXX XXXX, nor their affiliates, nor the agency, Benjamin Chaise and Associates, or any of their agents. This is not mine, not my company and I do not owe any money in portion or in full as claimed. There are no contracts whatsoever between myself and the purported creditor, and or Benjamin Chaise & Associates, verbal and or written. The letter sent to me was addressed to a business which is not me, nor my company and I have never heard of nor have any part of. They obviously are phishing and have sent out this demand for funds either with gross negligence or in an effort to defraud me. 

I've sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX, and Ive sent a letter to Benjamin Chaise & Associates- a demand for debt validation, dated XX/XX/18 There has been no response to the debt validation. I received from them a statement that the claim has been turned over to a lawyer in XXXX XXXX, NV.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Armada Corp. (WA)

Complaint:
I show a debt to XXXX/XXXX on my credit report that I know I had insurance for ... so to begin with I called the hospital to verify this unpaid bill. XXXX said that they do not show any unpaid bills for me and instructed me to call the collection agency and ask for a detailed information sheet on this debt so that I can dispute it properly. I first called XXXX collection co ( XXXX ) which was very pleasant and professional, the lady on the phone said no problem we need to send for that information and when we get it we will forward it on to you. THEN I phoned ARMADA corp ( XXXX )., let me tell you they are unprofessional clowns. I first was transferred at least four times before reaching the GEM of an agent that I did .... I did not get her name but she is working out of their XXXX, Wa office and XXXX is the supervisor. I asked for the same detailed list from them and they acted like it was near impossible, finally she said that I would have to submit a letter to them in writing requesting this information, I explained to her and several other employees of XXXX that it is their job to prove this debt and that I was requesting it by phone and she said she would " see what I can do '' which is not acceptable so I requested to speak to her supervisor who was conveniently unavailable and then she hung up on me. I called back and spoke to a different person in the same office who said that the first lady that I just spoke with was now UNAVALIABLE. I again expressed my desire to dispute this debt and that I was requesting this formally NOW on the recorded phone line. I was finally told that XXXX would have to call me the following day which is today ( XXXX/XXXX/2016 ) and I received no call from Anyone at 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 2017-08-11
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: Experian Information Solutions Inc. (PA)

Complaint:
I received an alert in regards to my credit report that changes were made on my credit report and inquiries were made on my credit report. The following information below is fraudulent inquiries and changes that were made on my credit report without my knowledge. EMPLOYER - XXXX XXXX XXXX - I DO NOT WORK AT THIS ESTABLISHMENT AND NEVER HAVE. IMMEDIATELY REMOVE THIS FROM MY CREDIT REPORT. INQUIRY - XXXX MAIN - INQUIRY MADE ON XXXX. I HAVE NEVER MADE AN INQUIRY TO THIS COMPANY. IMMEDIATELY REMOVE THIS FROM MY CREDIT REPORT. INQUIRY - XXXX BANK NA - INQUIRY MADE ON XXXX. I HAVE NEVER MADE AN INQUIRY TO THIS COMPANY. IMMEDIATELY REMOVE THIS FROM MY CREDIT REPORT. THIS FRAUDULENT INFORMATION THAT IS ON MY CREDIT REPORT IS MAKING MY XXXX XXXX GO DOWN. I WANT MY CREDIT REPORT CORRECTED IMMEDIATELY AND A FRAUD INDICATOR PLACE ON MY REPORT. IT MAKES NO SENSE HOW THESE CREDIT REPORTING COMPANY WILL PUT ANY AND EVERYTHING ON YOUR REPORTS AT ANY GIVEN TIME.

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 2019-12-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Global Lending Services LLC (FL)

Complaint:
Global lending repossessed the car back in XXXX they keep putting the car in repossion. Status like they dont have the car and reporting late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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. (MD)

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

Complaint:
PERSONAL ACCT FRAUD COMPLAINT I was a victim of unauthorized wire fraud. The fraud on my personal account was the second of XXXX wire transfers initiated on XX/XX/22. The first was made from my Chase Business account. This one made from my personal checking account, since it was after XXXX, could not be completed until the following day. The criminal convinced me not to sign into my accounts after we got off the phone while the " Federal Reserve XXXX '' monitored my account for the next XXXX hours with the hope that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in again and they could collect his IP address. This was a criminal offense, he explained, and they would bring criminal charges if they could catch him. At the end of the call, he told me he would call me back in the morning to follow up and to wait for his call. In my non-critical state of mind due to illnessI had been sleeping all day and was awakened by the call at XXXX believed the criminal was trying to help me. I went back to sleep after the call until the next morning. 

DETAILS OF CALL The criminal, posing as a Chase representative by the name XXXX, convinced me he was legitimate because the number he was calling from matched the number on my Chase Business Debit card, XXXX. He had a lot of knowledge about my personal and business accounts. At no time before, during, or after this encounter did I ever share any account numbers, social security numbers, addresses, or phone numbers with him or anyone. He explained with some urgency that he needed to help me reverse several fraudulent wire transfers that were currently in progress by XXXX XXXX of XXXX XXXXXXXX XXXX. Amounts he initially mentioned : {$7200.00}, {$5000.00}, {$1800.00}, aligned with the amounts in the XXXX accounts he was referring to, respectively my personal checking, my business checking, and my business savings accounts. At every curious point, he satisfied my doubts and questions and stepped me through, screen by screen, what he explained was the reversal of these in-progress wire transfers. 

It dawned on me too latethe following afternoonthat he had duped me into unwittingly participating in the actual XXXX wire transfers that would deplete my personal and business accounts. I am shocked and mortified that I was tricked by this criminal. He reached me at just the right moment, having just awakened at XXXX having slept all day due to illness. I have appealed to JP Morgan Chase Bank, a company Ive been a customer with for decades, to do everything in its power to recall the transfers made to XXXX XXXX XXXX XXXX account. But my bank seems to have a loophole in protecting me since I unwittingly became a participant in this fraud. 

I am a single, middle income XXXX, and this criminal depleted my accounts of all my liquid funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Systematic National Collection, Inc. (CA)

Complaint:
After I moved from an apartment the manager turned the apartment into a model by by bringing in furniture and place settings. Then telling me I am still responsible for the rent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
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: ALLY FINANCIAL INC. (VA)

Complaint:
I checked my personal credit report, which I acquired from XXXX, XXXX XXXX, and XXXX XX/XX/2022 and I noticed Multiple unauthorized credit inquiries had been made. Under the XXXX Wall Street Reform and Consumer Protection Act, I Have the authority to take action against institutions engaging in unfair, deceptive, or abusive practices. Under the terms of the proposed consent order filed today these inquiries where not bought on or made by me. I contacted Ally Financial who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the Ally Financial inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above XXXX XXXX XXXX XXXX VA, XXXX. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in 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 2023-02-22
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. (CA)

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update the suspicious information in my file, I think you have not validated these accounts in my credit report Please verify these accounts : XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
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 (NY)

Complaint:
Back on XX/XX/2021 I applied for a XXXX credit card to make a purchase from a private seller for an item. In two weeks time I never received the item. I tried to contact the merchant numerous with each time no response back whatsoever, so I disputed the claim. On XX/XX/2021, I received a letter saying the dispute was in my favor. I got charged again for the amount and filed another dispute and this has been going on for several months back and forth. Today XX/XX/2021 the XXXX credit card charged me again due to the Merchant not accepting refunds or cancellations. XXXX credit card will not help me whatsoever and wants me to pay for the amount for an item I have not received.

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 2022-03-20
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: EQUIFAX, INC. (AL)

Complaint:
I am XXXX XXXX, I have recently reviewed my credit report and noticed several unauthorized and inaccurate inquiries reported to my profile. Pursuant to 15 USC 1681b, when the consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am demanding these inaccurate inquiries be investigated and removed immediately. 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Complaint:
It all started when I tried to make a payment ofXXXX through XXXX 's automated system. There was a system error, so the automated system recommended that I make a one cent adjustment to the payment because the automated system couldn't process a payment of the same amount. Thus, the total was changed to XXXX. Bank of America took both payments from my account, so I called to dispute one of the payments. I talked to XXXX first to find out if both payments went through. Only one payment went through ( XXXX ), so I disputed the payment ending in XXXX There was even a three way conference with a XXXX rep and a B of A Soup so that there were no misunderstandings and some how B of A still managed to dispute the wrong payment. They disputed the payment ending in XXXX. Because of this mistake my XXXX account was cancelled on XX/XX/2017. Now XXXX wants more than the returned payment in order to reactivate the account in addition to the reactivation fees and prorated that will generate on the next bill. When I explained this matter to a claims rep he notated the account stating I would need help with the prorated charges and reactivation fees that would generate. I talked to another rep from the bank and she told me to fax proof of the amount XXXX needed in order to reactivate the account. I got the tangible info needed and sent a fax over to the claims specialist as instructed. I called a few days later to check the status of my claim in regards to reactivating, and he told me that b of a would not be paying me for anything but the returned payment not the result of their mistake. Right now XXXX XXXX is asking for XXXX in order to reactivate because the was a balance coming due XX/XX/XXXX of about XXXX. If this matter lingers ill be billed for the XXXX worth of equipment that I'm currently financing, I also lost monthly discounts such as free tablets and a discounted XXXX  that will become full price when the account is reactivated. I also had a grandfathered plan that was forfeited and will have to face a monthly increase of about XXXX dollars a month in order to get the features that I had before the account was cancelled. I want compensation for the entire account and the difference that I had to pay after losing my employee discount. I keep getting the run-a-round and at this point I just want a viable solution to a sticky mess that I don't believe I'm responsible for! 
Update : the account is now in collections and has been canceled ever since this incident.

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 2023-04-18
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: Experian Information Solutions Inc. (NE)

Complaint:
I am a victim of identity theft please remove this fraud inquiry 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 explanation