hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-03-08
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. (TN)

Complaint:
These accounts do not belong to me. XXXX XXXX, XXXX XXXX, 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 2019-06-03
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HCFS Health Care Financial Services, Inc. (OH)

Complaint:
I never lived at this address I never apply for service with this company I dont know who they are and I want this nightmare to end please

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 2022-04-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (AL)

Complaint:
This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. There has been unauthorized used of my information and credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} Acct # : 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 2021-10-12
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: BMW Financial Services NA, LLC (CA)

Complaint:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and BMW Financial Services. The Account Opened is BMW Financial Services Account Number : XXXX Date Opened : XX/XX/2010 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AMERICAN EXPRESS COMPANY (NC)

Complaint:
Good afternoon. My name is XXXX XXXX XXXX. I am writing to submit a complaint on American Express and XXXX XXXX  XXXX. My father, XXXX XXXX was the actual owner of the account. I was the authorized user. No a joint account holder, an authorized user. My father passed away on XX/XX/XXXX. Shortly there after, American Express contacted me and forced me into taking over my father 's account. I never signed anything, but they made me feel worried and scared, obligated to take over my father 's account. Nevertheless, I took over the American Express account and I would make my normal monthly payments. I attended school at XXXX XXXX XXXX and graduated in XXXX. Then in XXXX, XXXX of XXXX to be exact, I had a XXXX XXXX XXXX which caused me to be out of work for sometime. Due to that XXXX I feel behind on my payments. I tried to get current on this account but I was unable to. I gave up on this account because I felt like I was drowing in a glass of water. To make a long story short, American Express decided to sue me through XXXX and XXXX. The amount of stress and XXXX  that this case has caused me has been enormous. Beginning with that I have had to begin taking four different types of XXXX XXXX and XXXX XXXX. XXXX and XXXX have me listed as the primary account holder. When I tell them the actual issue, they say they are unaware of anything. I am submitting the emails that I received and the emails forwarded to XXXX and XXXX. I am asking you to please assist me. I can not pay on this account and now I am being forced into declaring XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
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. (IL)

Complaint:
I have two identity theft FTC case numbers XXXX and XXXX. 
I have sent Equifax original report on or around the date of XX/XX/2018 and I also sent very strong supporting documentation between the dates of XX/XX/2018 - XX/XX/2018. I know Equifax received all documentation because I sent it certified mail and USPS has confirmed its delivery. According to FCRA/ FTC a fraudulent account must be blocked in 4days by CRA XXXX Both XXXX and XXXX have blocked these accounts immediately. Equifax continues to break the rules and not abide by the rules of the U.S. government. You would think a company that leaked millions of peoples identities would have tried to fix its consumers relationship but I see there deceptive practices continue on. Remove this information immediately I have reports attached with rules of law and regulations of identity theft please review immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on 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 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 non-monetary relief
Consumer complaint received 2022-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

Complaint:
XXXX On XX/XX/XXXX, I mailed check # XXXX in the amount of {$58000.00} to payee United States Treasury intended as an installment of my XXXX estimated tax payments. 

XXXX On XX/XX/XXXX, the check had cleared my bank ( XXXX XXXX XXXX ) with the assumption that the check was paid to the actual payee on the check ( United States Treasury ). 

XXXX On XX/XX/XXXX, my CPA filed my XXXX tax returns with the expectation that we are getting a refund of {$120000.00}. 

XXXX On XX/XX/XXXX, I received a letter from the IRS adjusting my refund to {$65000.00} which prompted me to inquire with my CPA the reason as to why they did this. 

XXXX On XX/XX/XXXX, my CPA confirmed that the IRS must have not received my check for {$58000.00} which is the exact difference. 

XXXX On XX/XX/XXXX, I requested a copy of the cancelled check from my bank ( XXXX ) which led all of us to believe that it was cashed by someone other than the United States Treasury XXXX Please bare in mind that the front of the check was not altered in any shape or form but the back was missing the official IRS endorsement markings. 

XXXX On XX/XX/XXXX, I received a call from my bank stating that the check was deposited/cashed at a Wells Fargo Bank XXXX 

XXXX Since then, myself and my bank ( XXXX XXXX XXXX ) have made several attempts to claim the lost funds from Wells Fargo to no avail. Wells Fargo refuses to refund my lost funds.

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 2020-08-22
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. (IL)

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
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. (GA)

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 48 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation

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 2023-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (PA)

Complaint:
I am writing to file a formal complaint against Citibank related to a bonus XXXX XXXX miles offer that I received and enrolled in. The purpose of this complaint is to seek your assistance in resolving an issue concerning the fulfillment of this promotional offer, as detailed below. 

On XX/XX/2023, I received an email offer from Citibank, which stated that as a valued Cardmember with my Citi / XXXX XXXXXXXX card, I was eligible to receive bonus XXXX XXXX XXXX  miles for opening a new eligible checking account. The email clearly outlined the requirements to earn the bonus miles, with an expected posting time of 30 days after completing the required activities. 

I enrolled in the offer by following the instructions in the email and received a confirmation email on XX/XX/2023, acknowledging my enrollment. I successfully completed the required activities by depositing {$1000.00} in XXXX qualifying deposits and making XXXX qualifying pin-based purchases totaling {$1000.00} on XX/XX/2023, which should qualify me for the highest bonus of XXXX XXXX XXXX XXXX XXXX 

However, despite the email stating that the miles would post within 30 days, they have not been credited to my account as of today 's date. I contacted Citibank on XX/XX/2023, and was informed that I met the criteria of the promotion, however, the miles would take 90 days from the account open date to post, contrary to what was stated in the original email offer. 

I contacted Citibank again on XX/XX/2023, and was told that the promotion code XXXX was not associated with my account. I was requested to provide a copy of the promotion that was sent to me. I promptly faxed in the requested documentation. However, as of today, XX/XX/2023, I have been informed that it could take an additional 30 days for resolution, and there is no guarantee that the miles will be credited to my account. 

This situation has caused significant frustration and inconvenience. I believe Citibank 's actions are misleading and unfair, as the terms of the offer were clearly defined in the initial email communication. 

I kindly request that the CFPB investigate this matter to ensure Citibank fulfills its offer in accordance with the original terms and that customers are not subjected to inconsistent information and extended delays in receiving promised benefits. 

I appreciate your attention to this issue and look forward to a prompt resolution.

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 2020-12-01
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. (FL)

Complaint:
On XX/XX/2020 I sent documentations to the Bureaus for unknown and inaccurate accounts on my report its over 30 Days today but I didn't received any response. I was a victim of XXXX Data Breach. I demand to deleted those accounts or I will file a litigation.

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 2022-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC (PA)

Complaint:
Receivable Management Systems sent me a statement saying that I owe XXXX XXXX XXXX but I do not. I have a XXXX  dollar balance with 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 2021-12-10
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. (CA)

Complaint:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
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. (NC)

Complaint:
TransUnion is in violation of 15 USC 1681b. ( a ) ( 2 ) Any Consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I have given both verbal and written instructions concerning a credit account with XXXX being removed from my report. I spoke with an agent on XX/XX/2022 regarding the removal of these fraudulent accounts and as a result of the several laws that I had listed that were and continue to be broken by Transunion, account were successfully deleted. With blatant disregard for FEDERAL LAW, an account has been added to my consumer report. This is a blatant disregard for the law since they aren't following the instructions of law according to the FCRA. Please see attachment.

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 2023-06-30
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. (TX)

Complaint:
Account XXXX I am writing to bring to your attention a serious violation of the Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S.C. 1681m by the debt collection company, XXXX XXXX. I kindly request your assistance in addressing this violation and ensuring the immediate removal of the negative account they have reported on my credit report. 

Upon reviewing my credit report, I discovered that XXXX XXXX has reported a negative account that does not belong to me. This inclusion of an inaccurate account on my credit report not only misrepresents my creditworthiness but also violates the provisions outlined in XXXX. Despite my repeated attempts to rectify this issue directly with XXXX XXXX, they have failed to take any appropriate action to correct their mistake. 

I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into XXXX XXXX XXXX violation of XXXX. Their failure to comply with the regulations outlined in the Act has significant repercussions on my financial well-being and undermines the accuracy and fairness of the credit reporting system. 

I kindly request your intervention to ensure XXXX XXXX XXXX compliance with XXXX  and the immediate removal of the inaccurate account from my credit report. Additionally, I believe it is crucial to hold XXXX XXXX accountable for their non-compliance and to enforce the necessary penalties or corrective measures. 

Enclosed with this letter, please find copies of relevant documentation, including my credit report highlighting the disputed account, as well as any supporting evidence that demonstrates the lack of association between me and the reported account. I trust that this information will aid in your investigation and contribute to the resolution of this matter. 

I greatly appreciate your attention to this matter. It is my sincere hope that the Consumer Financial Protection Bureau will take swift action to address this violation, restore the accuracy of my credit report, and safeguard the rights of consumers. I look forward to your assistance in resolving this dispute. 

Thank you for your time and consideration. Please do not hesitate to contact me if any further information or documentation is required.

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 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (WA)

Complaint:
XXXX XXXX XXXX has inaccurately placed my auto loan in a charge off state in XXXX of 2021. XXXX ( 3rd party auto dealer ) paid the remaining balance of my auto loan in XXXX 2021, one month before the account was due to be in a charge off state. XXXX also made an attempt in XXXX of 2021 to payout the vehicle but according to XXXX, they never received it. XXXX intentionally stalled processing the new check of the full amount of the remaining loan until after I reached the charge off / delinquent date in order to receive the tax break and the full amount of the funds. 

During this waiting period, I was unable to make payments due to the bill of sale already being processed ( twice due to XXXX stalling for three weeks ) and also because of the disablement of my online XXXX XXXX account due to the buying process. 

Ive asked for the C/O remarks to be removed and provided documentation proving why case - XXXX agreed but never followed through with the removal. 

Ive recently learned that XXXX and XXXX are now affiliated with one another and I believe both parties worked together to intentionally get a tax break by filing the charge off while also knowingly receiving the money of the full amount of the vehicle. 

Please investigate this unethical and predatory behavior.

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 2018-05-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Complaint:
I had to call because my access was blocked never did a representative tell me nor did I receive a letter stating they were closing my account.I have been banking with them for years and it wasnt overdrawn and also I had direct deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
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. (TN)

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 15 USC 1681- ( 2 ) ( A ) ( i ). ( 2 ) EXCLUSIONS- ( A ) subject to section 1681s-3 of this title, Any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

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