hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-10-14
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:
To : W

hom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6300.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. -- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX   with ACCT # XXXX opened onXX/XX/XXXX with a bala
nce of {$6300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
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. (IL)

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX-XXXXXXXXXXXXXX Balance : {$390.00} XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the rights to privacy.

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

15 USC 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.

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 — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Complaint:
I am intrested in disputing all incorrect information on my credit report with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ALLY FINANCIAL INC. (VA)

Complaint:
wrong address on credit report charged off 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 2019-02-15
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. (GA)

Complaint:
I have never applied for credit with XXXX XXXX. I ask that this matter is investigated and the Hard Inquiry removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
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. (AL)

Complaint:
I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XX/XX/XXXX on XX/XX/2020 ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/2020 XXXX Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ), I therefore legally request the DELETION of INACCURATE items from the PERSONAL INFORMATION section of my credit report with your agency. I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : XXXX XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX, AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : XXXX XXXX XXXX as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
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. (TX)

Complaint:
the accounts/ inquires cant be verfied and need to be removed from my 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
Consumer complaint received 2022-02-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

Complaint:
Complaint of Bait & Switch conducted by OneWest Bank, A Division of CIT Bank, XXXX. 

Address : XXXX XXXX De XXXX, XXXX XXXX XXXX XXXX, Ca XXXX Phone : XXXX XXXX XXXX local branch ; XXXX XXXX XXXX toll free The problem : I opened a checking account with {$10000.00} as advertised XX/XX/XXXX. The banker said I qualified for receiving {$300.00} bonus if I complete all the XXXX steps within XXXX days. I completed all the requirements and the bankers admitted that I did. I gave the bank more than the promised period to process the bonus, however, I never receive it. XXXX  months later, XX/XX/XXXX, I called my branch and the center office, to my surprise, the answer was that I would not be eligible to receive the {$300.00} bonus anymore! During the XXXX months, no one contacted me by mail or phone to inform the change. I believe that the banker checked my account history at the time of the account opening and found it ok to open a new account and the there was no disclosure on the promotional literature to describe anything particular as they changed the rule. Assume if my account were not qualified for the bonus, why did the bank opened this bonus account for me? Why did the bank not inform me all this time if they found any error or any change? Why did they let my account remain open with {$10000.00} balance required for the {$300.00} bonus? This is typical XXXX XXXX XXXX, it is unethical. XXXX XXXX is a senior community. I wonder how many seniors have been mal-treated like this, people responded to the XXXX to open an account with large balance for a bonus and just to find it unqualified when it is time to receive the bonus. I am left no choice but to make this complaint with your org. I have uploaded the evidence of the promotional Advertisement and my receipt of deposit at the time of opening my account. ( No other documents with fine prints were provided to me at the time of the account opening. ) I wish your organization help me get fair treatment, not to let the small private bank take advantage of me and other seniors customers anymore. 

Thank you for looking into this matter! I look forward to hearing the resolution soon! I can be reached at XXXX XXXX cell/ XXXX XXXX ; email XXXX XXXX ; my address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please note that the bank will be bought by another financial institution in a month or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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: Experian Information Solutions Inc. (NY)

Complaint:
Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this XXXX XXXX. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Complaint:
In accordance to Fair Credit Reporting Act. List of accounts below have violated my rights to privacy. Under 15 USC 1681. Section 602A. I have the right to privacy.

15 U. S. C-section 604 A section 2 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 in report containing the following items of information, other than the convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 A1 A person shall not furnish any information relating to a commercial reporting agency if the person knows or has reasonable cause to believe information is incorrect. 

We bank 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 2023-06-24
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. (TX)

Complaint:
Please do not mark as a duplicate. This complaint is intended directly to Experian. Your actions has caused me and my family mental anguish and your actions has stolen my identity, violated my consumer rights by rights to privacy and the obligation you have to maintain the security and confidentiality of my private information. Your actions are equivalent to AGGRAVATED IDENTITY THEFT. You have failed to comply and knowingly furnished these inquiries without my consent, nor permissible purpose.

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 2020-03-11
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (GA)

Complaint:
Date of Fraudulent Activity : XX/XX/2019 Amount : {$6600.00} Locations : 1 - XXXX XXXX  XXXX XXXX XXXX Promo Purchase - XXXX, GA 2 - XXXX XXXX  XXXX XXXX XXXX Promo Purchase - XXXX, GA Actions Taken : 1.  Called the company informed them of the fraud. 
2. Created a report to FTC for Identity Theft 3. Submitted a request to the 3 Credit Bureaus alerting them of the fraudulent activity 4. Filed a police report 5. Reached out to a Lawyer for legal council 6. Sent XXXX a Notice for Furnishings ( no response ) - XX/XX/2019 6. Called XXXX to request the account number for the fraudulent account because the police say it's required to submit a subpoena for information used to create the account. 
However, XXXX would not provide me with this information so they can not subpoena for the information and I can not file lawsuit against the person that is using my identity to open fraudulent accounts. 
I'm stuck in a catch 22. XXXX will not give me the account number. The police can not subpoena information without it ( they have tried and it gets sent back stating the account number is needed ). 
-- -Special Note : XXXX did close the fraudulent account and reach out to the credit bureaus to have it removed from my report. However, I still have the inquiries on my credit. They stated it may take some time. -- -

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: 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. (TX)

Complaint:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
Original Creditor : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: EQUIFAX, INC. (VA)

Complaint:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a card approval. The account listed below is not mine. I sent in multiple letters that I attached here as proof. I haven't received any feedback about my complaints. I don't understand what is really happening? Your help is so much appreciated. 

XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
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: JPMORGAN CHASE & CO. (FL)

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states that consumer reporting agency can not furnish an account without my written instructions Under 15 USC 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (MT)

Complaint:
Jefferson capitol syst Has a old XXXX bill from over 10 yrs old their saying is from 2019. This is time barred and they keep refreshing the date. This is illegal and I asked the credit bureas to remove this and they won't.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Monterey Financial Services LLC (WI)

Complaint:
The call my phone 100 times a day. My boyfriend and I went through a financial hardship at the beginning of the year and we are trying to take the proper steps to resolve this debt. They continuously call and say we need a payment today card or routing number. I tell everyone that we 'll pay on line there is no need to call. They talk over me and continue to ask for payment. I tell them when we have the money it will be paid. The say they 're sending it to collections I tell them okay send it. I rather talk to them not you guys.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (NY)

Complaint:
An XXXX store card was fraudulently opened in my name. I have attempted to address this with synchrony bank but I am still receiving bills for the card and collection attempts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MN)

Complaint:
I was charged a fee by Navient because they stated I was late in making one of my payments in XX/XX/2017. Being a customer with good credit, I did what most consumers do when their lender treats them unfairly, and took my business elsewhere. I refinanced with XXXX XXXX. XXXX sent the money to Navient on XX/XX/8.  Navient LOST THE MONEY, and proceeded to tell me it was my responsibility to prove that the payment happened. Only with several phone calls, tweets, and finally a three way call between XXXX and Navient was the issue finally ( I thought ) resolved. The refinance amount left some of the loan unpaid, so I paid it off. Except, guess who lost the payment! AGAIN! Now I'm submitting online documents. Seems to me this is a convenient pattern of missing payments, in hopes that I am the kind of customer that just forgets about things and doesn't follow up so that they can charge extra fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
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:
I paid {$200.00} on my capital one opeiu credit card before the due date and they charged me an past due fee. I finally got my payment on track and they charge me fees to keep me under water.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MD)

Complaint:
I am also having the same problem with XXXX, in that my paid XXXX account had booted me to their MyEquifax.com, but to later not allow me to sign in even after going through the sign in procedure. This is very similar to what happened on Transunion, only that I've not been able to get Free reports suing Annual Credit Report. At present I'm not able to access the site and even if I go over the sign up process again it will later prevent me from accessing the Myequifax.com site. 

When I was able to access the XXXX site and the regular XXXX site when I was paying for it, it contained some different information that what I should be able to also see on the Myequifax. When I asked about the switchover was told they were switching over everyone with a non paying account, though at the same time I was paying to access Equifax itself. 

This is a very similar problem that I'm having also with XXXX, and is troubling to me to not be able to read from searching that anyone else has been switched or had even mentioned being switched and not being able to get Credit reports, from niether Equifax nor through Annual Credit report.

Company response to consumer: Closed with explanation