hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion 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 incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/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 2023-06-29
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. (NC)

Complaint:
I have no knowledge of this account. This account showed up on all 3 of my credit reports. Please remove this incorrect information from my credit reports. All 3 of my credit scores have dropped 20+ plus from this false information being added.I have no knowledge of this company, nor have I authorized them to use any of my personal Information. 

Account appears as : Name of Reporting Agency : XXXX XXXX XXXX Reporting opened : XX/XX/2023 ( 4 mos )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Complaint:
In XXXX of 2018 a bill I had with XXXX XXXX XXXX was fully and completely dismissed ( I have the record confirming this ). Despite this, a collection agency began trying to collect on this bill later in 2018. 

Earlier this month I disputed the delinquent account with Experian. They updated my credit report, but instead of showing 'paid in full ' they updated it to say it was 'impacted by a natural disaster XXXX '. This was before XXXX. The bill was fully discharged. This is fraudulent. I am a XXXX veteran and they are trying to collect on a paid bill. Experian is complicit for not removing it.

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 2023-02-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

Complaint:
I received a message on XXXX of a XXXX XXXX XXXX  and she contacted me regarding a post I made on XXXX. She said if I wanted a mural of that post and I said yes. To do so I had to give her my username and password of my bank account and she said that I could trust her because one of the people she did it to also trusted her. I gave it to her and she deposited numerous checks to my account. The next day my checking account was in overdraft and I told her what she did and she denied that she had any part in that. She told me to buy her an XXXX gift card with an amount of {$500.00}. I knew something was off since the XXXX gift cards are only used for purchases of XXXX products. I didnt buy the gift card. She said that she could fix my overdraft account problem by depositing {$4000.00} in the checking account I have but only by giving her my debit card number. I didnt trust her so I decided to block her and since then she has been blocked. After that I have contacted my bank and they said that they were going to investigate further. I decided to call today because I got an email saying that my new account was locked due to suspicious activity. They said that since there was a bounced check in my old checking account the department team that deals with these cases they decided that my relationship with the bank would be terminated. I asked them about the balance of my closed checking account and they said that it was in XXXX  but when I called last week they said that I did have a balance and it would be sent to my mailing address through a cashiers check in 3-5 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation (LA)

Complaint:
Since 2000, the XXXX FBI office and Internet Crimes under Attorney General XXXX XXXX and in the past XXXXXXXX XXXX has been allowing Female police in the White Collar Crimes Division, target seniors bank accounts and by using Department of Education employees protected from prosecution by XXXX XXXX of the EEOC. 
I was harassed for reporting females who have targeted other females bank accounts and that were seniors. State Employee XXXX XXXX and Adult Protection XXXX XXXX and several Section 8 housing of seniors managers has allowed this rackateering and hacking of Debit cards. 

My debit card has been hacked by XXXX Supervisor XXXX XXXX in association with XXXX XXXX and FBI agent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
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: Experian Information Solutions Inc. (FL)

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2021-09-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
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: CITIBANK, N.A. (NY)

Complaint:
i have 2 issues that need to be addressed. ( 1 ) I had a group of credit / refunds owed to be by a merchant. at least ( 21 ) of these credits posted to my account between XX/XX/2021 through XXXX, XXXX. After the credits were adjusted to my account, I have a credit balance of at least {$40000.00}. When I requested my credit balance to be mailed back to me, I was advised all the credits were transferred over to some internal Citi account, however, Citi is now telling me they can not access my account and that they have no idea where my credit balance is or how to submit a request for the refund to be mailed to me. ( 2 ) in addition, Citi also needs to adjust all interest owed to me in connection to the credited transactions, which has not been corrected on the 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 monetary relief
Consumer complaint received 2017-05-25
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SIMM Associates, Inc. (IN)

Complaint:
Representative from company continues to call after several requests from myself and spouse to quit calling. I have asked for a letter of proof of debt and who the owner of the debt is and never received it.   They tell us it is a federal student loan when in fact it is a private student loan and they are threatening " federal repercussions ''.   They have called my spouses employer several times and claimed to my wife that I gave permission to do so. I did not give permission nor do I know how to contact her employer.   I have asked to come to a reasonable payment agreement assuming such debt is actually owed and am continually asked to pay full amount as the only option.   I am tired of the oppressive calls which to my knowledge are breaking both federal and Indiana law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 items : XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 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 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

Complaint:
My son received medical attention in the ER. The hospital had incorrect billing information. The claims were denied because of this incorrect information. Hospital is aware of their mistake, but will not do anything about it. Hospital has agreed that the information they had was inaccurate. 
Hospital says dr has to resubmit information. XXXX XXXX XXXX says that debt collector has to resubmit. The insurance company is reaching out, but no one will return their call. All the insurance asked is for the claims to be resubmitted with a letter stating the billing information was incorrect at time of service. They refuse to do this. Commonwealth will not resubmit or contact the hospital or dr to verify information. They have informed me that all that they can do is offer a settlement for an amount that I do not owe. I have bills for {$520.00}, XXXX, and {$740.00} for dates of service on XX/XX/XXXX and XX/XX/XXXX. I spoke with XXXX the supervisor on XX/XX/XXXX. Extremely rude and hung up on me after telling me that all he can do to help is offer a settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
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. (AL)

Complaint:
Transunion and XXXX  were. Sent documentaion request by XXXX XXXX XXXX -furnisher/ owner of acct # XXXX. On XX/XX/2020 to delete reporting of tradeline. It is XX/XX/XXXX of 2020 and still being ignored by CRA just as their i investigations had not been properly completed. I have documentation sent to CRA 'S by Creditor 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 2022-08-18
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. (AZ)

Complaint:
There are several problems with my account I have addesseses and names that are wrong accounts that are not mine and a few labled charge off and a XXXX  XXXX listing that is not mine

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 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Complaint:
I have been banking with XXXX for the past 10 years. We have business accounts, 6 personal accounts and 4 credit cards. Not once have we been late in any of our payments as we have always had automatic payment set up in all of of our credit cards. I have no understanding as to why we have a late 30 days late payment in our account from 2017. Again, we have automatic payments on all of credit cards and are extremely careful to pay each bill on time. 

We need this to be fixed immediately as we are undergoing lending for our business and can't have an error on my credit file. 

Account Number- ... 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 2021-04-30
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: EQUIFAX, INC. (DE)

Complaint:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (VA)

Complaint:
After graduating from XXXX XXXX 2013, I was accepted at XXXX XXXX University with XXXX GPA. One year and a half later, due to family medical issues, my parents had to remove me from XXXX XXXX University. I tried to into a community college, but due to our debts at XXXX XXXX, they would not release my transcripts. My Dad saw an ad from the XXXX XXXX XXXX, stating if a student enlists in this service, their loans will be paid, and they will receive a bonus after completing XXXX and XXXX XXXX. This turn out to be an outright lie. Now over two years in the XXXX XXXX XXXX, proper training for XXXX, have not been granted to me. The recruiter officer, advised me and my parents, I will get $XXXX per month for XXXX XXXX, my bonus of $XXXX  after XXXX, and payment for my student loans, which never happen. So far it took one year for the XXXX XXXX XXXX to pay $XXXX, with most taken out in taxes. Six months ago, I sign up for XXXX XXXX XXXX in the XXXX and still waiting for my release papers. According to Nelnet, I have a student loan balance over $16,000.00.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

Complaint:
On XX/XX/XXXX, I sent in a request to the credit bureaus to investigate errors on my credit report. Over 30 day have passed, and I have yet to hear back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc (FL)

Complaint:
the calls started on XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX then it stopped. It wasn't until XX/XX/XXXX is when they started calling more than once. I've received phone calls once every 3 to 4 days and i already told them I'm a stay at home mom on XX/XX/XXXX so when i have money to spare the balance will be paid. Sometimes i get calls multiple times a day, the calls have been made on these days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/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 2019-08-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Complaint:
On XX/XX/2019I opened a Bank of America Checking Account using the promo code #XXXX, a code that was specifically unique to me using a physical mailer. I opened this account with verification code #XXXX.This targeted promotion was for a $XXXX checking account bonus after having direct deposits totaling > $XXXX in the first 60 days. Here is a timeline of what happened:XX/XX/XXXX: Account opened using promo code #XXXXXX/XX/XXXX: $XXXX direct depositXX/XX/XXXX: $XXXX direct depositXX/XX/XXXX: Received $XXXX bonusXX/XX/XXXX: First call regarding missing $XXXX. Customer service rep indicated she could not find any information regarding the bonus but to be patient and it would appear.XX/XX/XXXX: Second call regarding missing $XXXX. Customer service rep said bonus would appear within the next week.XX/XX/XXXX: Third call regarding missing $XXXX and escalated up customer service. Customer service indicated they had no record of the promo and that I was not targeted. Customer service rep said in order to get this missing money I would need to go into a branch to argue with the bank manager about this.After satisfying all of the conditions, Bank of America has no paid out the bonus to me which they initially were advertising. Bank of America has paid out the public bonus at the time; however I have received mixed information about the targeted bonus.

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 2022-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (LA)

Complaint:
I had a fraudulent/scam situation whereas the person of interest has a Chime Bank account XXXX They took {$90.00} to cover a partial rent. After I found out the place that was supposedly for rent was not available, so I filed a complaint against two money transfer account. XXXX with XXXX XXXX who launched an investigation and Chime. Chime on other hand cannon recoup the {$90.00} but made me upset that Im dead set closing this account for handling fraudulent and scam

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (OR)

Complaint:
I created a new account with Cash App after losing access to many accounts that I have previously had with Cash App. I have been a documented victim of identity theft for the past year. 

After creating a new account with Cash app, in documented written requests with there customer service department, I asked them to transfer any remaining funds from my previous accounts to my new account, which at first they agreed to do so. They then refused to do so stating that it was there policy and that they would be keeping the funds and that there was nothing that they could do about it. 

I informed them that there was an active identity theft investigation regarding my accounts, which has been reported to the IC3, FBI and Secret Service. 
Screenshots of communication with Cash App available apon request.

Company response to consumer: Closed with explanation