hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-03-17
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. (TX)

Complaint:
In accordance to the Fair Credit Reporting act the list if accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A. States That I Have a right to privacy 15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) section States no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other TN an records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 section 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TD BANK US HOLDING COMPANY (FL)

Complaint:
I went to apply for a line of credit from XXXX XXXX and I was denied because of derogatory credit that is not mine. Its a credit card issued by Target having a partial account # of XXXX in the amount of approximately {$540.00}. My purse was stolen out of my car on XX/XX/XXXX. Case # XXXX My best guess is that my info was used from this theft to secure this credit card from Target. Please help me remove this from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
Im disputing factual data based on information from my credit monitoring service. The company in question is XXXX XXXX, it is the duty of the credit bureaus to report accurate & correct information XXXX : The account type is blank & date last paid is inconsistent with the data against Transunion & XXXX. Its also showing blank information for the account type for the but the other XXXX bureaus have information, in addition the credit limit is blank. This needs to be deleted XXXX : There is no high credit balance listed on the report but there is XXXX with the other XXXX bureaus. Please delete as this is incomplete & inconsistent with whats being reported Transunion : The date that the account was opened doesnt match the other XXXX reporting bureaus. Please delete

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (NC)

Complaint:
Ally Financial should be investigated by Government Regulatory for their business tactics when you have an account through Ally Auto. I called this morning XX/XX/21 to negotiate arrangements to make my car payment and also to see if there was a way to have the monthly payments lowered. The representative for one after stating that I did not give consent to having my phone conversation recorded said that " all phone calls must be recorded and there's nothing that can be done about that. '' I said by Law if I do not give consent the call can not be recorded so I ended that conversation and called back. Got another representative that after I advised I did not want to be recorded she said the same and that she could document my wishes, I said okay but know for the record my wishes are not to be recorded. 

So I commence the negotiation to make some arrangements to pay my past due and get caught up. The representative said there was nothing Ally could offer me according to the computer reading and I asked why, she said it does not tell her why. So I next asked her if there was a way to lower the payments per month so I can stay current. She places me on a brief hold and comes back with the same answer, I asked her if she can explain why I was denied and the same answer again from her. 

Ally Auto though their website says it has assistance has denied with no explanation my request for assistance and as a consumer that care about my business relationship with Ally and I am willing to and attempting to keep some good standing with Ally they deny any help on their end with no reasons why.

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 2022-03-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (CA)

Complaint:
I received a Debt collection letter from a company name IC SYSTEM INC. 
this FRAUDULENT DEBT has been fully disputed before at least twice with the Knowledge of the CFPB. 
XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. 
I'm attaching my DISPUTE DEBT LETTER. I would like CFPB Fine and Penalized XXXX XXXX XXXX and this Debt Collector for still trying to collect a Fraudulent Debt of {$300.00}

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 explanation
Consumer complaint received 2023-05-31
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. (MD)

Complaint:
Unauthorized Inquires 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

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 2023-03-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: VW Credit (CA)

Complaint:
On XX/XX/XXXX I sent a check to Audi Financial Services to pay off my daughter 's car loan - check amount was {$42000.00}. I was paying off because my daughter missed a payment and Audi Finance hit my credit reports- lowering from in the XXXX 's to in the XXXX 's. My assistant had gotten the payoff amount by talking with Audi Finance. 

In mid XXXX, I received another late notice, so I called and Audi Finance told me that they had not received my XXXX check. I instructed my bank to put a stop payment on that check, and I sent another check for {$42000.00} on XX/XX/XXXX - the new payoff amount included additional interest. I sent that to an overnight address given to me by Audi Finance and the check was cashed. 

On XX/XX/XXXX, Audi Finance cashed the original check of {$42000.00}. So they now have approximately {$85000.00} of mine for a {$42000.00} loan payoff.

My assistant and I have been calling Audi Finance demanding that refund of the duplicate payoff amount. Audi Finance keeps saying it is " in process ''. My assistant and I both called the direct line for the person who has been " working '' on this today, but she was not available and has not responded to our voice mails. I called the prior number that I had used and automated system said I would get a call back in 15 minutes. No one has called back.

The reason that my name had to be on the loan in the 1st place was because Audi Finance repossessed my daughter 's car with absolutely no notice last year, significantly negatively affecting my daughter 's credit. So when her lease was up, they refused to finance her buyout. At the time of the repossession, I had number calls with Audi Finance about repossessing with no notice. They said they mailed notice to my daughter of 2 late payments. At the time, my daughter was living in an apartment where mail was being stolen- we provided police reports to that effect to Audi Finance. The thugs that Audi hired to repossess my daughter 's car said they called several times. They may have called from a number that would not have been recognized by my daughter, but never left any voice mails for her. They just showed up at a young woman 's apartment and took her car. Getting the car back was a nightmare, but that is a digression.

In short, Audi Finance 's incompetence has seriously negatively affected both my and my daughter 's credit and now they have stolen {$42000.00} from me and are not cooperating in returning it timely. I now have my bank watching to make sure my other account payments do not bounce, thus affecting my credit score further. I take having a high credit score very seriously and Audi Finance 's actions are undoing years of diligence on my part.

The reason that I paid off the auto loan was because Audi Finance is so incompetent and I did not want to have any further dealings with them. They need to return the money that they have wrongly taken from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Applied Business Services, Inc. (FL)

Complaint:
The company Applied Business Service at XXXX XXXX XXXX, XXXX, NC XXXX is in violation of the Fair Debt Collection Practices Act ( FDCPA ), by using false or misleading language in an effort to collect a debt not owed. I've never done business with them before and they don't have a contract with my signature on it. 

I've requested information from them previously and they've never gotten back with me with the required documents.

Company response to consumer: Untimely response
Consumer complaint received 2016-03-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (PA)

Complaint:
I am a victim of XXXX in the way of financial, XXXX abuse. 

My ex husband opened this account in my name for a computer because if I remember correctly he could n't get a loan. It should have been a red flag then. 

They had called incessantly for years and he has never resolved it. 

Could you please look into the original documents and how this was opened in my name. I looks as if it was done with some kind of credit card, so he could have used my information without needing my signature. 

He has been sued for fraud and had a {$160000.00} judgment against him. Ran over my foot and left the scene and it was considered a XXXX XXXX, but the judge just charged him a fine. He also owes the IRS, Lost our home etc ... And yet Nothing is his fault

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

Complaint:
I went to the car dealership. Asked the price of the car. The guy came back with the price and I told him no thanks. Somehow he ran my credit with equifax without my authorization. I had purchased a car from them the year before and I think thats how he got my info. I did not sign anything I did not apply for financing at the dealership I told them I was just shopping around at the moment getting prices and test driving cars. I called equifax and they told me I would have to call the dealership to remove the inquiries. The dealership told me they were too busy to call equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (NE)

Complaint:
A few weeks ago, my husband and I received in the mail what we believed to be replacement credit cards for our XXXX XXXX/Care Credit credit cards. We applied initially for Care Credit a few years ago to help us when we run into the occasional incidents where we have medical, dental, or veterinary expenses that exceed our out-of-pocket financial abilities at that time and the cards are used VERY rarely, MAYBE once every 1-2 years. Anyway, we received two cards from Synchrony/Care Credit that we believed to simply be replacements for our existing cards. The cards had the standard stickers on the front to call and activate them, so I did so and did not encounter anything that seemed out of the ordinary or unusual from any other time I've ever received new cards from any other bank/credit card institution. I believe that the new cards were just that, new cards ( possibly with an increased spending limit, I don't recall ). In the past when I've encountered such circumstances with other such credit companies ( like XXXX XXXX ), a new card or an increase in spending limit does not equate to a whole new account being opened. However, today I received notice from XXXX XXXX ( via a feature that I use to monitor changes in my credit ) that a new account had been opened in my name and it had adversely impacted my credit score. Upon review, Synchrony/Care Credit had closed my prior account with them and had opened a whole new account for me and my husband when I activated the new card. The closing of one account and opening of another dropped our credit scores. I immediately called the credit bureau ( XXXX, in this case ) and reported this issue as a dispute on both of our credit reports. At the advice of the credit bureau, I also called Synchrony/Care Credit to ask why they had closed my old account and opened a new one as opposed to just giving me the new card/increasing my limit on my old account. I was advised, basically, that they had sent me fine print or a " disclosure '' that had informed me this is what they would do. Respectfully, I am a XXXX  XXXX XXXX and maintain this designation actively. I XXXX XXXX and XXXX for a living. I am far more savvy and attuned to these sorts of things than the average consumer. So if I fell for this, I imagine many other consumers are as well. I don't think what Synchrony/Care Credit did is honest/ethical and I certainly would not have consented to opening a whole new account with them for a card that I do not maintain a balance on and use incredibly infrequently and only for certain specified purchases. I feel this practice of sending account holders mail that looks like just new cards is a dishonest and questionable business practice.

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 2023-06-08
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: EQUIFAX, INC. (FL)

Complaint:
I have patiently waiting on their response to the written requests I sent. However, how many times I claim to be the individual writing this letter it seems this messages is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. These items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 obtaining information under false pretenses that any person who knowingly and willfully obtains information information on a consumer from a consumer reporting agency under false pretense shall be fined under title 18 United States Code, imprisoned for more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous of Irrelevant ( A ) a consumer reporting agency may terminate a re investigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent non compliance ( 15 U.S.C, 1681o ) Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure : and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Here are the list of items which are UKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (NY)

Complaint:
On My Equifax Credit Report seems to be a few things that have not come off that they had agreed to take off The following addresses I am not associated with : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Employment info is also incorrect XXXX XXXX XXXX XXXX i do not work at I am with a company called XXXX I am just looking for those addresses to be updated and the employment info updated. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-15
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. (MD)

Complaint:
I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (NC)

Complaint:
I have been a loyal customer of XXXX XXXX clothing for the last few years and have a credit card associated with XXXX XXXX ( and COMENITY BANK ) and the chain of online store brands they are a part of. When reviewing my XX/XX/XXXX statement, I noticed two charges that I did not make for XXXX The first was for some kind of 'pullover ' at XXXX XXXX  for {$90.00} and the second was a 'skirt ' at Woman Within for {$60.00}. I called XXXX XXXX Credit Card immediately ( early in XXXX after initially seeing these charges ) and reported the charges and asked to dispute them. I gave the information that was showing on my online XXXX XXXX account at the time ( an address and a name for delivery that were NOT MINE ). I was told this was being disputed and that I should receive an answer through the mail within 90 days. Late in XXXXXXXX- this month, I received a letter in the mail that was vague and just asked me if I agree to pay the charges and gave me an address where I could respond if I wanted. My order history was deleted from my online XXXX XXXX account immediately after reporting this in XXXX so I can not get that information and mail it to the given address even if I wanted to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Complaint:
My bill was due on XX/XX/XXXX and the bill was paid on that date and they charged a late fee because it wasnt a paid by XXXX. Right now with this pandemic I dont know if I am going or coming how do they get to charge a {$25.00} late fee for not even being a day late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Partners, LLC (MI)

Complaint:
I have a fraudulent account on my credit report that I have never heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
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: Experian Information Solutions Inc. (SC)

Complaint:
XXXX In accordance with the Fair Credit Reporting act XXXX XXXX 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

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 2019-08-07
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Conn's, Inc. (LA)

Complaint:
XX/XX/2012 I contacted Conns and reported i needed help to notify the proper department of that my house had been broken into and i was told just bring the police report because my account was cover by insurance i purchased through Conns. I brought the reports to Conns and they politely thanked me and asked me if i needed help picking out replacement items. I didnt find any of the same items though. The next day my account was handed over to conns in house collections. I was told by the manager he did some investigations of his own and he be XXXX a female tries to pull wool over his eyes. He claimed to have read the police reports but still wouldnt handle the proper steps into my account being handled by his insurance department. He claimed i was wasting time and said women are to ignorant to handle a financial decision and i will just have to learn.

Company response to consumer: Closed with explanation