hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-06-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (MN)

Complaint:
I put a hold on my account because i believed someone had logged in and transfered money between accounts and set up a XXXX  account. Unemployment placed a reverse withdrawal from my account and now its negative apprx {$980.00}. I have went to a bank and called to have my accounts closed and to open mew ones and i keep getting referred to the fraud dept and no one has returned my calls.

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 2020-10-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

Complaint:
This company is attempting to collect on a debt that is more than 10 years old and was also previously disputed directly with XXXX XXXX XXXX and XXXX 's dismissed the debt due to identity theft. The following is the complaint that was sent to XXXX 's : On XX/XX/2005, my SUV was broken into as I dined at a restaurant in XXXX, Texas. Numerous items were stolen, including my briefcase that contained my personal information on documents, which included my driver 's license number, birthdate and social security number. Since this event occurred, my personal identity was stolen and numerous successful attempts of credit were extended to one or more individuals. I have sent letters that include a copy of the police report, which I filed with the XXXX Police Department to the creditors who are now falsely reporting incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
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:
Upon reviewing my credit file, incorrect information were found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX : XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XX/XX/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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XX/XX/XXXX TRANSUNION : 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 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: Experian Information Solutions Inc. (FL)

Complaint:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

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 2022-11-02
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: EQUIFAX, INC. (OH)

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name XXXX Account # XXXX Account Name XXXX Account # XXXX 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 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 than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-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 that the information is inaccurate. 15 U.S.C 1681 A ( I ) states a report should only contain information solely as to transactions or experiences between the consumer and the person making the report 15 U.S.C 1666 ( b ) ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Theses companies and accounts have been going against my rights and violation as a consumer this is unconstitutional. I have rights and XXXX  has violated them all they sold my information to a third party service XXXX XXXX XXXX XXXX without consent and I am being harassed and denied by banks and extension of credit for a debt I do not owe or have been proven I owe I also understand if a company is reporting a charged off account to your credit report a 1099-C must be flied I haven't received any tax returns from this company I am asking that theses accounts be reinvestigated and deleted off of my credit report immediately. I do Not owe theses debts and I am requesting a cease and desist immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
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: Experian Information Solutions Inc. (NC)

Complaint:
Between the months of XX/XX/XXXX - XX/XX/XXXX I have disputed with XXXX  multiple times due to XXXX violating METRO 2 COMPLIANCE I have also paid the account balance but XXXX  still refuses to delete the closed account

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 2023-01-31
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. (GA)

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXXXXXX : # 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 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 than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: United Revenue Corporation (TX)

Complaint:
Account # XXXX {$990.00} Account # XXXX {$330.00} Spoke with this creditor XX/XX/XXXX, I was instructed that if I paid everything off in full that it would be deleted from my credit report and I would be issued a letter stating items were to be deleted. I asked if I could have a letter faxed to me stating this. They said yes and took my fax number down. I called back on XX/XX/XXXX and made the payment in full for {$1300.00}. The agent I spoke with that day told me that she could not fax me the deletion letter. I informed her that was not the agreement I had made on XX/XX/XXXX. She went on to say there was nothing that she could do to help me. I asked ot speak with a supervisor, I spoke with XXXX who was extremely rude. She kept screaming and cutting me off. 

I asked XXXX if she would listen to the recording from my last call and give me a call back. She refused to do this. I told her that they should honor the verbal commitment they made with me on XX/XX/XXXX. She continued to uphold the promise that was made to fax me a letter stating that the items would be deleted. I was told that XXXX was her manager, I called him on XX/XX/XXXX. However, he never returned my call. 

When I first reached out on XX/XX/XXXX about having this issue cleared, I let them know that I was in the process of purchasing a home and this is hold up everything. My lender needs these items to be removed, before issuing my approval to purchase. My family is living in a hotel, waiting for these XXXX items with XXXX to be deleted. 

At this point, I do not know what else to do as I was lied to and mislead by United Revenue Corp. I have asked them on numerous occasions to listen to the recorded phone calls, they told me even if the represented told me that she could fax me a deletion letter they would not. At this point it is my assumption, that they blatantly lied to me in order for me to make my payment in full. They had no intentions on deleting these items, even though they stated that they would be on a recorded line. 

I wanted to try reaching out via CFPB before getting legal counsel and filing a lawsuit. XXXX has violated my rights under the FCRA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2019-08-19
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:
THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, THOSE ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT FILE AND I WOULD LIKE TO HAVE THEM REMOVED. THOSE NEGATIVE ACCOUNTS HAS HINDER MY CREDIT FILE AND HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE AND NAME. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT ONLY ACCURATE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
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. (NC)

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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  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 non-monetary relief
Consumer complaint received 2019-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
These accounts below are not charge off 's. They are paid in full and should be listed as such. This wrong reporting information is causing me a hardship. 

XXXX XXXX XXXX Last reported XX/XX/2019 {$350.00} XXXX XXXX Last reported XX/XX/2019 {$2500.00} XXXX XXXX Last reported XX/XX/2019 {$950.00} XXXX XXXX XXXX Last reported XX/XX/2019 {$430.00} XXXX XXXX Last reported XX/XX/2019 {$220.00} This account below has wrong account balance and is paid up to date. 

EDUCATIONAL XXXX Last reported XX/XX/2019 {$37000.00} This account below is not mines and i'm disputing. Also you will see this on my account twice. This company never contacted me or allowed me to dispute this debt. 

COLLECTIONS {$31000.00} Reported balance XXXX XXXX XXXX   {$31000.00} Needs attention

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 2022-01-31
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: SYNCHRONY FINANCIAL (CA)

Complaint:
On XX/XX/XXXX I made an online purchase a generator on " XXXX  '' for {$110.00}. Since I did not receive any email correspondence as to proof my purchase over XXXX hour my purchase and the fact that I saw full charge has gone through my payment account, I checked back with the aforementioned website only to find out it had gone dark. In fact it never re-surfaced anymore. As of today, XXXX XX/XX/XXXX I have not received any mail, email and or other type correspondence for purchase confirmation, order or shipping status. Several attempts to find the vendor online came back empty. I reported the irregular activity to the PayPal a few days following my order. I disputed this purchase on the grounds that I NEVER receiving my purchase. They initially reverse the charge pending investigation and by the end of XXXX they place the charge back without and explanation. So I refiled my dispute on XX/XX/XXXX. On XX/XX/XXXX, I received a response from PayPal Credit Dispute Department, with a USPS XXXX information allegedly proving shipment of my order. Clearly as I had never received any shipment I contacted our town 's XXXX post office. Upon my investigation at XXXX XXXX XXXX XXXX XXXX, it was determined the tracking information points to totally wrong address. ALSO USPS assured me the item mailed has been a flat ( letter, post card, small envelope ) of only XXXX. This is when the item I purchased is the size of a small ice cooler and weighs about XXXX. Please see attached USPS produced shipping transcript corresponding to that tracking number and manufacturer 's spec sheet. 
On XX/XX/XXXX, in the advice of one PayPal Credit Dispute Department supervisor I mailed all supporting documents that proved my case. Since that date I have spoken twice ( XX/XX/XXXX and XX/XX/XXXX ) to the PayPal Dispute Department and and every time it was elevated to the highest supervisor level, and both times they were able to pull up the documents I sent, and assured my that my documents are complete and sufficient to kick the case out and resolve it in my favor, however I am still being force to pay the charge and am being charge 23.99 % interest on the remaining balance. 
They know full well this was a bogus online site and they charge my account without ever planning to send me any such item. My research online showed the address from which the item allegedly was shipped has several similar complains. This is clearly their modus operandi because they've realized PayPal will not go after them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-22
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. (MS)

Complaint:
I have a collection from XXXX XXXX XXXX in the amount of {$58.00} on my credit report. This information was previously reported by XXXX XXXX, and subsequently deleted after I disputed it and filed a complaint. 

Since the reinsertion, I have not received a notification of the information 's reinsertion, as required by the Fair Credit Reporting Act, 611 ( 5 ) ( B ) ( ii ) - ( iii ). The information has been on my report for longer than the 5 business days after reinsertion mentioned in 611 ( 5 ) ( B ) ( ii ), and I have not received any information from Experian and I was not provided any information listed in 611 ( 5 ) ( B ) ( iii ) ( I ) - ( III ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Complaint:
I am writing to request your help and notify multiple violations to the FCRA. My name is XXXX XXXX ; my SSN XXXX, DOB : XXXX. My rights as a consumer are not being respected. I have an account with XXXX XXXX XXXX XXXX, account XXX, opened : XX/XX/XXXX Limit : {$22000.00}. This company is committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting FALSE AND ERRONEOUS INFORMATION. 

Ive always been on top of my payments, that Is why is enrolled the 2 accounts in automatic payments. Bank of Americas website is not friendly at all. It was really difficult for me to set up the automatic payments for both account ; however, they only did it for one account. As proof that I had the money and that I was willing to pay, the other account ( XXX, Date opened XX/XX/XXXX Limit {$2300.00} ) is current without a single late. This was not a money issue. I did have the money to pay. They are being negligent and unfair with this. 

They are also being unreasonable because I NEVER RECEIVED A LATE PAYMENT INSERTION BY MAIL, as required by law. They are committing BREACH OF CONTRACT, these are two more violations to the FCRA and the list of violations is much longer once I sat down with my attorneys to talk about my awful experience with this company. 

This is affecting me in a huge way, mentally and physically. I have a Pending mortgage for {$500000.00} because of this incorrect information being reported. I demand a deletion letter from Bank of America as soon as possible so I can provide to my mortgage company and get approved with the interest that I deserve. If they refuse to provide letter of deletion letter through CFPB portal, I will not think twice to let this issue be decided by a judge in a law suit court. I am sure that it would be a trouble for Bank of Americas records taking this issue to a court. Thanks for reading my complaint. 

See Bank account attached from the time of the issue, as proof that I had enough funds to pay.

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 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Collection Bureau, Inc. (FL)

Complaint:
I have sent mail to the credit reporting companies about inaccurate information being reported on my credit report. The company has failed to prove that the bill they continue to report as delinquent is in fact mine and what it was for. All of my bills are paid from XXXX XXXX XXXX XXXX and i have sent 3 letters to " United collection '' to provide a breakdown of fees including any collection costs and medical charges, Provide a copy of my signature with the provider of service to release my medical information to them and to Cease any credit bureau reporting until the debt has been validated by me. I requested full documentation of what they received from the provider of the service in connection with this alleged debt as im 100 % sure it is inaccurate. 

They have failed to provide any of it and I'm requesting you step in to help resolve the issue. I have attached the letter that was sent to them 3 separate times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
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. (NC)

Complaint:
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 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation