hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-11-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over XXXX days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section XXXX ( a ) clearly states that a failure to investigate these items within XXXX days gives reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, Title XXXX, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Complaint:
On XX/XX/2019 I opened a checking account at Bank of America with a {$100.00} promotion that read : " Requirements to Receive the {$100.00} Online Only Offer bonus : ( 1 ) Open a new eligible Bank of America personal checking account by XX/XX/2019 ( you must use the Open now link on the offer page at the time of account opening to be enrolled in this offer ) ; AND ( 2 ) set up and receive two Qualifying Direct Deposits of {$250.00} or more each to your new personal checking account within ninety ( 90 ) days of account opening. A Qualifying Direct Deposit is a recurring direct deposit of regular monthly income - such as your salary, pension or Social Security benefit or other eligible regular monthly income, electronically deposited by an employer or other payer into your new checking account. A transfer done via ATM, online, or teller, or a transfer from a bank or brokerage account, or Merrill account is not a Qualifying Direct Deposit. Please see the Personal Schedule of Fees for further explanation of eligible regular monthly income.After you satisfy all of the requirements, we will attempt to deposit the earned bonus directly into your new personal checking account within sixty ( 60 ) days. The new personal checking account must be open and in good standing up to and including the date any earned bonus is paid in order to receive the bonus. " I fulfilled the obligations to meet the promotion and Bank of America refused to pay the promotion, citing that I had received the promotion on a separate account in the past. I appealed that decision because the fine print did not read that the offer was for first time customers only, or that the offer was one per lifetime. Bank of America has since changed the language for their promotion to account for this. Regardless, they refused to pay the promotion even though when I opened the account, the promotion read as above. This raises serious UDAAP concerns and other Compliance implications. Additionally it speaks to the culture at Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
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. (GA)

Complaint:
THE STUDENT LOAN ACCOUNT ON MY CREDIT REPORT IS FRAUDULENT AND WAS CREATED IN ERROR OR WITH THE INCORRECT INFORMATION. I HAVE NEVER ATTENDED SOUTH COLL NOR HAVE I ATTENDED A UNIVERSITY. THIS INFORMATION AND ACCOUNT IS INACCURATE, ONCE THE CREDIT BUREAUS OBTAIN THIS DEMAND OF REMOVAL TAKE ACTION IMMEDIATELY TO DELETE THIS ACCOUNT. 
Private Student Loans Company or Organization XXXX XXXX XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/2022 Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$6000.00}

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 2022-10-17
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: EQUIFAX, INC. (CA)

Complaint:
My right 's have been violated in accordance with the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ZWICKER & ASSOCIATES (VA)

Complaint:
Receive letter from Zwicker & Associates, P.C. who are supposed the law firm retained by XXXX XXXX XXXX XXXX. I submitted complaint with CFPB in form of a validation of debt letter/cease and desist, Affidavit of Truth, Invoice for federal violations accompanied with Exhibits. Copies were mailed physically to Zwicker & Associates P.C. as well. Since this prior submission of these documents. Nothing positive with respect to U.S. Codes was resolved. In fact XXXX XXXX somehow had XXXX  send me correspondence telling me the consumer, natural person and original creditor pursuant to 15 USC 1602 ( g ) that the alleged debt ( this alleged debt is a charge off which there is no definition in law to define what this is, and I never consented to this being in any of my consumer credit reports ) was verified and also that it was mine. I never validated any alleged debt so it'll infuriated me tremendously to read that a credit reporting agency basically told me an alleged debt was mine without giving any law to justify so. This is truly depressing me. I feel extremely threatened due to the stature of XXXX XXXX believing they are above law which was enacted by Congress. So I'm submitting another Affidavit of truth including Zwicker & Associates XXXX, XXXX by XXXX XXXX also known as XXXX XXXX XXXX, XXXX, XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
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:
There is a XXXX  account reporting on my TransUnion and XXXX   consumer reports that is not mine. I was not liable on this account and was only an authorized user. I've sent multiple letters to dispute this item directly with XXXX, TransUnion, and XXXX  and they have failed to remove it from my credit reports.

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 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2021-09-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: KEYCORP (NY)

Complaint:
I MADE AN ONLINE PURCHASE XXXX FOR AN UPCOMING BIRTHDAY I NEED. THE ITEM FOR DAYS SHOWED " PENDING '' WITHOUT ANY SUCH MOVEMENT. I REACHED OUT TO THE COMPANY BY EMAIL SEVERAL TIMES STARTING ON XXXX ASKING ABOUT SHIPPING. ON XXXX I EMAILED THE COMPANY BACK ADVISING THEM TO CANCEL THE ORDER AND EFFECTIVE THAT DAY AS WELL XXXX THEY WERE NO LONGER AUTHORIZED OR PERMITTED TO CHARGE MY CARD, AND ADVISED IF THEY IT WOULD BE CONSIDERED ILLEGAL AND FRAUDANTLY. I ITEM WAS NEEDED FOR A XXXX BIRTHDAY ON XXXX AND THIS COMPANY ADVISED A TENATIVE SHIP DATE OF XXXX AFTER THE GIFT WAS NEEDED. SO ON XXXX I NOTICED AFTER REVIEWING MY ACCOUNT THIS COMPANY HAD WENT AHEAD AND ILLEGALLY CHARGED MY GOVERNMENT ISSUED UNEMPLOYMENT DEBIT CARD 7 DAYS AFTER BEING ADVISED THEY WERE NOT AUTHORIZED TO CHARGE ON MY DEBIT CARD ENDING IN XXXX. AFTER I NOTICED THIS CHARGE I CONTACTED XXXX DISPUTES AND FROM THAT POINT FORWARD IT HAS BEEN NOTHING BUT A DISASTER WITH KEY BANK NOR DID THEY PROVIDE ME WITH A PROVISIONAL CREDIT WITHIN 10 DAYS OF FILING THE DISPUTE. SO FORWARD TO BEGINGING OF XXXX XXXX I CALLED INTO KEYBANK DISPUTES TO CHECK THE UPDATE/STATUS AND THE MAN TELLS ME THAT ON XXXX XXXX THE COMPANY PROVIDED DOCUMETATION OF THE ITEM BEING DELIVERED- THAT WAS NEVER THE CASE- THE DRIVER LEFT MY DRIVEWAY WITH THE BOXES IN HAND. I ASKED WHY I WAS NEVER SUPPLIED THOSE DOCUMENTS I AM ENTITLED TO VIEW AND SEE WHAT WAS NEXT TO DO. THE MAN ADVISED ME THAT IF I COULD FID SOME DOCUMENTATION SHOWING OTHERWISE I COULD SUPPLY THAT. I REACHED OUT TO XXXX AND EXPLAINED THE SITUATION AND ASKED IF THEY COULD PROVIDE ME SOME DOCUMENTATION SHOWING IT WAS NEVER RECEIVED. ON XX/XX/2021 I FAXED KEYBANK THE DOCUMENTS I WAS ABLE TO GET FROM XXXX AND THEY STATED THEY WOULD LOOK INTO THE CASE WITH THE NEW DOCUMENTS SUBMITTED. SO FROM END OF XXXX UNTIL TODAY XXXX KEYBANK HAS DONE NOTHING LIE AND XXXX ME SINCE XX/XX/2021 ON THIS DISPUTE. SO ON XXXX I REACHED OUT AND SPOKE WITH SUPERVISOR " XXXX '' HOW TELLS ME I'LL CALL YOU TODAY OR TOMORROW WITH THE STATUS UPDATE BECAUSE SHE NEEDED HER STAFF TO REVIEW IT. WELL " XXXX 'S '' PHONE CALL NEVER CAME. HOWEVER, I DID ASK HER FOR A NUMBER O HOW I COULD REACH HER AD SHE PROVIDED WITH SOME ODD PHONE NUMBER AREA CODE " XXXX '' I DID LEAVE A VAGUE MESSAGE ON SOME KIND OF VOICEMAIL ASKING FOR A RETURN CALL AND NOTHING. SO TODAY XXXX I REACHED OUT AD SPOKE WITH SOMEOE ASKING THE STATUS AND ADVISES ME THE CASE WAS CLOSED YESTERDAY XXXX AND IT WAS OVER THE TIMEFRAME FOR ME TO RECEIVE MY FUNDS BACK!!!!!! SO I'M CURRENTLY OUT {$420.00} FOR THE NON RECEIVED ITEM AND {$420.00} IN CASH ( LIQUID ) THAT WAS PAID OUT FROM MY DEBIT CARD THAT THIS COMPANY ILLEGALLY TOOK SEVERAL DAYS AFTER THEY HAD BEEN ADVISED NOT TO TOUCH MY DEBIT CARD.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-04
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Midwest Diversified Recovery Services, LLC (OH)

Complaint:
on XX/XX/2019 a man named XXXX from midwest diversified recovery services contacted my wife on her cell phone discussed a debt that i am not aware of and demanded her to listen to him called her a XXXX* and violated the fdcpa

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Complaint:
We have come to find out that our account was hacked and thieves have been making purchases through a virtual card which the bank allows them to use. These thieves have our personal information and anyone that had access to that can basically sign onto their system, set up a false virtual card number, and start making purchases. The bank even issues them a pin code. And they do not validate just assume it's us! WOW! Our bank accounts and limited credit cards, even though replaced, have experienced this!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Complaint:
I have never had an account with XXXX XXXX I did have identity theft and maybe this is one of the accounts that was open. But I have never personally had a XXXX phone account ever in my life, I have stated this numerous of times and they keep adding it to my credit report. I was with XXXX for many years then I went to XXXX XXXX XXXX and now I am with XXXX. Please have this removed from my credit profile all three bureaus thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

Complaint:
Attached is email communication from LoanMart 's XXXX XXXX representative ( XXXX XXXX ) threatening me with a repossession order when I clearly stated to him in writing that the XXXX/XXXX/17 payment was sent via mail XXXX/XXXX/17 ... 

First, and foremost, I 'm a LEGAL tax paying law abiding U.S. citizen, and am NOT going to be communicated with in a threatening demeaning degrading way by ANY individual, or organization, especially by someone with probabe friends, and, or family members who are illegal immigrants over a {$260.00} monthly loan payment sent in later than the payment date. Although I 'm also being assessed a daily compounding late payment interest amount!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
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. (FL)

Complaint:
My name is XXXX XXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Complaint:
These are not my accounts. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

Complaint:
Since XXXX XXXX-XXXX XXXX I've sent 4 separate letters to each credit bureau Experian, XXXX, and XXXX  asking that they provide me proof of an account on my credit report. Since they have not provided me proof. I've asked them to remove the account. As of the time of this writing they have not removed the adverse account. 
It was my understanding that under SECTION 609 of the Fair Credit Reporting Act, that the credit reporting agencies are suppose to provide me a copy of the original contract that I signed and as the credit reporting agency they are supposed to have. I mean, if they are verifying the account as being valid/correct then they, by law, are supposed to have a copy of that contract to do so.

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 2022-08-29
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:
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-07-03
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX. Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
This is my 3rd or 4th time reaching out to Transunion regarding incorrect information being reported on my file. Please delete immediately or risk the pursuit of a lawsuit for violating FCRA ... 

The following inquiries were not authorized by me ; therefore, they should 't be on my report. 
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 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

Complaint:
On XX/XX/2023 and XX/XX/2023 I unfroze my credit. 

I sent my Driver 's License and Social Security Card on.XXXX XXXX. 

Equifax has refused to remove an PII so I can qualify for a mortgage with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

Complaint:
When I graduated from XXXX XXXX University in XXXX, I had a private student loan balance of {$48000.00} with Sallie Mae Corporation. I attempted many times to repay my student loans, however Sallie Mae was unwilling to provide an affordable payment plan. Instead, they pushed forbearance. In the meantime, my loans were charged capitalized interest along with additional fees. In XXXX, My loan balance was an estimated amount of {$89000.00} when Navient finally agreed to place me in an interest rate reduction plan. In XXXX, I refinanced and paid off my private loans with Navient. I recently refinance with XXXX, a subsidiary of Navient unbeknownst to me. My loan number XXXX coincidently is the same account number as my original loan with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
I am interested in disputing all inaccuracies on my credit report with Transunion.

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 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 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