hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-11-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UHG, LLC (MD)

Complaint:
UHG claims I owe them money and I have NEVER went into a contract with them. They are a bulk debt buyer and along with 3 other companies have claimed that I owe them money. I have sent them a cease and desist letter along with multiple debt validation letters. They refuse to send me an original contract. They have claimed to serve my father on XX/XX/XXXX however my father passed away XX/XX/XXXX. They have harassed my family and I multiple times. I have contacted XXXX XXXX XXXX XXXX ( the original creditor ) and they state that I don't owe them money either because my account has a {$0.00} balance. I have contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. According to 12 CFR 1022 subpart E, I am challenging the accuracy and integrity of the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
I opened a secured XXXX $ credit card with bank of America I was charged for an unknown item was not contacted about it paid the balance and never used the card again sometime later I checked my credit to see the had a collection for XXXX $ I don't know where this came from I never received a letter or any contact from bank of America.when I disputed it they said it was correct but provided no proof I called to do a pay to delete because they stated it was the only way to remove it being that it was so old. it was only XXXX $ even though i know I didn't owe them anything. after I paid that XXXX $ I waited for them to remove it nothing happened I had been tricked and lied to I've gone to the bank called on the phone and now nothing I would like validation and this account deleted from my credit report thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IN)

Complaint:
Our lender is unable to pull our Equifax report. They are expecting us to pay {$16.00} to activate our credit report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

Complaint:
On XXXX a person claiming to be a Bank of Americal ( BOA ) employee called me from a number that appeared as coming from BOA on my phone. This person had all of my checking account information, including my account number, ATM number, expiration date and secret access number. He informed me that my account had been hacked, and if I could enter a XXXX transfer to BOA, he could fix. The person gave me a BOA address to send the XXXX to. This person had all my BOA information and never asked me for account numbers. In fact, kept repeating that BOA would never ask for account numbers over the phone. 

He knew the e-mail address associated to my account and all my personal info. 

I did enter the transfer, but never waived my right to have protection ( stated in my BOA Checking Account Agreement ) from fraud. The person who called, supposedly from BOA, initiated the action and I received absolutely no benefit from the transaction. 

I contacted BOA immediately after the fraudulent call, but they were unable to reverse the transfer. 

I did dispute the fraudulent XXXX transaction, for {$1500.00}, with BOA. Claim # XXXX was processed, at BOA, and I was recently denied refund.

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 2018-07-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Complaint:
Bank of America Preferred Visa Card Dispute Department not assisting with dispute of partial charge {$220.00} of total of {$1.00}, XXXX. 

After several days after purchase date XX/XX/18 called Bank of America Preferred Visa Card Dispute Department and provided all details and needed facts and evidence provided. Charge was reversed and no follow up request from Bank of America Visa Card Dispute Department until letter received ( on XX/XX/18 ) and requesting copy of receipt instantly with demand ( by Dispute Department ) of receipt within 72 hours. Because of request to speak to supervisor about additional question was placed on hold for extended period of time- with out specking to supervisor find out if other inf. was needed.

Receipt of transaction was faxed to requested fax number same date of receipt of letter from Dispute Department ( XX/XX/18 ), with detailed description of disputed amount. 

XX/XX/18 Received letter from Visa Card Dispute Department making claim that the copy of receipt was not received. 

XX/XX/18 Called Bank of America credit card services and was told fax was received. 

XX/XX/18 Called Bank of America credit card dispute services to confirm receipt a second time and was informed that I need to go back to merchant.

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 2023-03-04
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. (OH)

Complaint:
I was going through my credit report and notice some wrong information on all 3 credit reporting agencies ( XXXX, TRANSUNION, and XXXX ) that I am requesting that they are investigated and removed. Wrong addresses and phone numbers that were never mind, I have filed a police report with the XXXX Police Department for possible identity theft and put a freeze on my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (MS)

Complaint:
On XX/XX/XXXX I went to my PayPal account to make my payment, but the credit link was not there. I thought it might be a glitch, so I tried again on XX/XX/XXXX, with no luck. On XX/XX/XXXX, or XX/XX/XXXX, I tried again. Still no credit link, so I called customer service. The woman I spoke with said that PayPal had done an internal audit, and found that I had filed bankruptcy. The account was closed, and I could no longer make payments to that account. I said that didnt make sense, and that I wanted to speak with her supervisor. When he got on the phone he said that because I had filed bankruptcy in the past, I should have never gotten credit to begin with. So in accordance with PayPal rules, and regulations the account was closed, and written off, and I was no longer responsible for that account. I asked for written confirmation to that fact. He said he would send me an email, but all I got was an email saying that I had a message in my secure PayPal message. I went to my messages, and there was no message. 
When I checked my email the night of XX/XX/XXXX, I received an email that my PayPal account was available again. After being told that it was closed, and written off 6 weeks before. So I called back on XX/XX/XXXX, or XX/XX/XXXX, and was told that oops, we made another mistake ; I was responsible for the account again. 
This is wrong. PayPal shouldnt be able to do that. 
I am XXXX, and live on a fixed income. I have been trying to pay off my credit accounts, so when that supervisor said it was closed, and written off I expected it to stay that way. 
I have been trying to find someone that could help me with this problem since I found out about it, but no one has been able to help me. Then I called the XXXX, and they told me to contact the CFPB. I hope you can help me with this problem. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

Complaint:
Navient reported all my accounts as 90-day late in XXXX XXXX when in fact my forbearance covered the following months : XXXX, XXXX & XXXX. 
I have tried to resolve the problem numerous times with Navient since XXXX and all 3 credit bureaus but no one seems to be reporting the correct information. I made several calls to Navient regarding the information, disputed the incorrect info with all 3 bureaus and I even sent a letter to Navient advocate department on XXXX/XXXX/XXXX to explain that the information reported was incorrect, I told them even if the information reported was correct at one point according to FCRA section 623 ( a ) ( 2 ) " Duty to correct and update all information " The information reported previously should be updated and corrected. Unfortunately this information reported has lowered my credit score and has delayed several important events in my life. I would greatly appreciate if this gets resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

Complaint:
TransUnion is intentionally blocking positive payment history from two accounts in my credit file. I have a credit account with XXXX and XXXX XXXX XXXX XXXX XXXX opened in XX/XX/XXXXand in XX/XX/XXXX,  however ; they only display 3 years worth of payment history for these accounts. I have confirmed with the data furnishers that all years of payment history have been reported to TransUnion. <P/>I feel this is intentional to prevent my score from being as high as it should be for retaliation of previous complaints. I feel this way because my accounts that have negative information are reported in their entirety. <P/>I need my file to be completely accurate, as it is essential to earning a living. I am the XXXX of an XXXX XXXX and my personal credit is being considered to close a loan for a major acquisition. The intentional omission of my payment history with XXXX and XXXX XXXX XXXX XXXX XXXX is causing actual financial harm that, if unchanged, I will have to seek recovery of in court. <P/>I have attached my credit file obtained directly from TransUnion to display the lack of payment information for the above mentioned accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
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. (MI)

Complaint:
I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : 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 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Complaint:
On XX/XX/2021 More than 30 days ago, I sent the attached letter disputing several items in my credit report. Because they did not advise me of the results of my investigation within 30 days, the Fair Credit Reporting Act requires that they delete these items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
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: Experian Information Solutions Inc. (NY)

Complaint:
I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXXXXXX 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 2021-12-08
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: Experian Information Solutions Inc. (TN)

Complaint:
I am submitting due to non-compliance with XXXX, XXXX, Experian. They have failed to remove fraudulent information that is still reporting on my consumer reports. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

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 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Allied Collection Services, Inc. (Nevada) (NV)

Complaint:
Account was placed with collection agency XXXX XXXX XXXX ( XXXX ) XXXX ) for {$750.00} by XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. This account was settled and paid in full directly to XXXX. XXXX XXXX merged/was sold to Allied Collection Services ( XXXX ) XXXX ) and Allied Collection Services now shows the erroneous/paid off debt while XXXX is reporting the same, duplicated account. Phoned XXXX ( which is now Allied Collection ). They stated they were aware of the duplication of accounts reported and they are working to correct. I asked them to remove their accounts as they were duplicates and because I have settled/paid in full direct with 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 explanation
Consumer complaint received 2022-09-22
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: EQUIFAX, INC. (AL)

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX ACCOUNT NUMBER 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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. (NY)

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 explanation
Consumer complaint received 2022-05-05
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. (TX)

Complaint:
I have disputed with Experian with unauthorized inquiries numerous times and they have ignored my concerns. I have asked them to delete these from my credit report and they have not. I have sent them an AFFIDAVIT OF FRAUDULENT INQUIRY on XX/XX/2022 and they have not sent me the paperwork I have requested nor deleted this from my credit report. These are the following companies I need off my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
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:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$870.00XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} ( Original Creditor : ) XXXX Balance : {$300.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX

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