hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-11-23
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. (FL)

Complaint:
This is in addition to complaint ID XXXX I am a natural person. I am a living, human being, I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681. They violated my rights numerous times. I demand the accounts listed below be removed, because according to 15 USC 1681 : I have the right to privacy, and I did not give XXXX written permission to furnish these accounts. I have been fighting this debt forever, as it is not mine. I have made numerous attempts to understand the inexplicable pattern of so many inquiries one after the other the same day, the same lender, repeatedly within a month but, what I can't seem to understand is how the top companies in the world couldn't flag such activities on my account but worse than that you couldn't even contact me to make sure it wasn't an error. I repeatedly try to look for answers and explanations from you and was led to believe without even questioning its legitimacy. I'm a VICTIM of XXXX DATA breach in XXXX. I have rights as a victim. 
XXXX XXXX XXXX Acct # XXXX Bal {$2000.00}, XXXX XXXX XXXX I Acct # XXXX XXXX {$19000.00}, XXXX XXXX XXXX I Acct # XXXX, XXXX XXXX Acct # XXXX Bal {$1500.00}, XXXX XXXX Acct # XXXX Bal {$1700.00}, XXXX 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

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 2018-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (NY)

Complaint:
My XXXX XXXX, XXXX and XXXX credit files have ( 3 ) accounts reported that do not belong to me. I have requested a reasonable investigation and my request has not been addressed.

These ( 2 ) accounts seem to be the same account and it's being reported twice and furthermore ; I have no recollection of neither these accounts. I am demanding an investigation and a full history of the accounting, any bill of sale or service contract bearing my signature.

1- XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX ( XXXX ) XXXX Last Payment Made : XX/XX/2017 2-XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX ORIGINAL CREDITOR XXXX XXXX XXXX ( Retail ) Past Due : > $ XXXX<

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: STERLING JEWELERS, INC. (TX)

Complaint:
A few weeks ago some one went to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, to make a payment for me, on my account. The person making the payment is not in my account and is not authorized to get any information nor make any transactions, yet the customer service representative/sales agent provided information on my account without my authorization. This action caused a series of events that affected my life including the possibility of a divorce.Attempted to contact corporate office as well as customer service but phones are not working.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Complaint:
I just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of the accounts below are not accurate. the open date, date last active, and date of last payment is not 100 % accurate. 

They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). 

i attached a consumer report as evidence.

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 2017-10-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation (IL)

Complaint:
I have received multiple calls per day for the last 7 days from a robocall saying that the call is in regard to a debt. I do not have any outstanding debts. When I XXXX the number XXXX, there are multiple reports that this operation is a scam. The company identified is Penn Credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
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. (TX)

Complaint:
I cosigned for a loan in XX/XX/XXXX with my now ex-husband and the courts granted him the vehicle however, XXXX said he was unable to finance on his own and refused to assist me. I assisted XXXX in locating the vehicle because he stopped paying on it and was hiding it during the divorce for retaliation. They recently this year XXXX reported the XXXX charge off as a new debt and are saying that the payments are past due XXXX  days then XXXX  days now. They also increased the loan amount without the amount they got from auctioning the truck. They recently sent me a letter XX/XX/XXXX stating that they will not do anything further to correct this information, because I have contacted them previously about it. The credit bureaus are not updating the account correctly even though I have hired XXXX XXXX  to assist me with this issue. XXXX is refusing to put the correct information on my credit reports even after the lawsuits. I honestly don't care about my XXXX credit he was an XXXX and XXXX, they can keep it on his. I have screenshots of all the information from the credit bureaus showing it was a charge off XX/XX/XXXX. Last late payment was 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 2023-05-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (MI)

Complaint:
Hi, my name is XXXX XXXX. DOB XXXX. 
My Address is XXXX XXXX XXXX, XXXX, MI XXXX. 
My email - XXXX Phone - XXXX I had a XXXX with XXXX XXXXXXXX but since i left my job, i was planning to move it chase investment account. ( Direct rollover ) I already had an checking account with chase bank. 
I contacted XXXX XXXX & got the check from XXXX XXXX went to a chase branch at XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, MI. 
I being helped by a banker to deposit the check. But, after 2 days i got a secure massage from chase that my check has been rejected. So i called chase customer service, they told me to write my name of back of check and deposit it again. So i did. The check was being on hold for several days before it's cleared. 
But, after a few days i saw my checking account is gone. I called chase customer service, they said they closed the account because they couldnt verify the check. They need to verify the check. 
So i get back with XXXX XXXX  ( formerly j.p morgan retirement plan service ) they provide me 3 numbers to contact them. 
( Numbers provided by XXXX XXXXXXXX, XXXX, XXXX ) I provide these numbers to chase customer service few times, but everytime they saying It's not a valid number. 
While these numbers are listed on their website and anybody can contact them. 
Surprisingly, chase customer service couldnt. Upon talking with chase customer service & XXXX XXXX customer service, i being told that chase already cashed my check. They already got the funds from XXXX but they're not gon na give it to me. 
It's my hard earned money but chase don't want to give my money back. 
I been in the same loopholes for several days now. Customers service arent helping me. I don't know where to file an official complaint about my money that being held by chase because they couldnt verify. 

I deliberately try solv the issue but chase bank isn't helping me nor giving my fund back. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-21
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:
These are not my accounts listed in this report. Please remove them. I also attached my personal documents to depict who I am. 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 explanation
Consumer complaint received 2018-12-22
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. (OR)

Complaint:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this. XXXX XXXX XXXX and 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 2020-07-16
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 — Problem with personal statement of dispute
Company: DISCOVER BANK (GA)

Complaint:
In XXXX of 2018 I submitted all my accounts to XXXX XXXX XXXX to manage all my accounts and to control my interest rates on all my accounts. 

Since my account was not late due to my mishandling of it but due to the interest and contract disagreement between XXXX and Discover technically the payments were being made but the amount and the interest rate was the only point of contention I am disputing the reporting of my account as late. Discover accepted the payments and demanded more money at a higher interest from XXXX who was already paying them on time. 
Since the lower amounts were paid on time this is a fraudulent reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (MA)

Complaint:
My auto-lender " Bridgecrest '' illegally repossessed my car, without " any '' notice on Friday XX/XX/. I live in Massachusetts and according to State Law before an auto lender can start the repossession process they must first send written notice to a consumer. I have not received any correspondence from my auto-lender signaling any intent to repossess. When I arrived home ( Private Property ) on Friday my vehicle was not in my Parking Spot. I initially thought the vehicle was stolen. I contacted Bridgecrest and they said : " Oh yeah, by the way the vehicle has been out for repossession since the XXXX XXXX XXXX When asked why they did not notify me of the repossession they admitted to not sending the notice and said : " It is up to you to contact us about your own account '', when asked why the repo man illegally came on my private property to remove my vehicle I was told to contact the repo company. I also had paid my auto-lender one day prior to this illegal repossession and was told that my payment could not be considered in any quote to redeem the vehicle. I am dealing with XXXX and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NY)

Complaint:
This complaint is about American Express ' ( AMEX ) Delta credit card. 

Background When buying a ticket on the XXXX XXXX website, the AMEX credit card is promoted promising a {$200.00} statement credit if customers apply for the AMEX card. The way this works is that customers need to apply for a credit card and they receive an instant card number which they can use to buy the XXXX ticket and get the statement credit. 

What happened ( my complaint ) I did not receive an instant card number not the statement credit. 

How Amex is trying to defend itself Amex is saying that " the instant card has limited availability and is not provided to everyone ''. This is something that is not mentioned or deceptively communicated when purchasing the ticket or applying for the new card. I needed to buy the ticket at short notice and I was also not at home. Amex is further contending that if I had waited for my card, I could have availed the credit. This is something not proven by me and point out another unscrupulous marketing tactic on AMEX 's part. 
The other thing that Amex says is that the instant card number is visible only for 180 seconds before customers can make a note of it. This scenario is not applicable to me since I never received the instant card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Product: Credit 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: BARCLAYS BANK DELAWARE (GA)

Complaint:
Explained that I did not make the purchase in the amount {$1600.00} and requested for them to prove that I did.

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 2021-01-09
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 been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (MD)

Complaint:
No written notification and no proof Im the right person

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Complaint:
I called XXXX XXXX XXXX and they did not have the amount that is reported on my credit report for {$100.00}. I wanted to make a settlement and have it remove off of my credit report but they could not help me. The name they have is my maiden name which is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
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. (MD)

Complaint:
I have incorrect information on my credit report. *THIS IS A DIFFERENT CASE, SEE ATTACHMENTS. DO NOT MARK IT AS A DUPLICATE. * I tried to get it investigated via mail on XX/XX/2023, however, Equifax only sent me a copy of my credit report unchanged. There was nothing updated, and no new information regarding my disputes. Equifax did not open disputes as requested. I will be attaching the dispute letter that I sent on XX/XX/2023 originally. My license and utility bill are both in the attached document, so you have proof of address and proof of identity, as well. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
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. (KS)

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-12-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Complaint:
Starting XXXX XXXX I sent from XXXX to the IRS to take fiduciary over myself, but no response. I also sent it to the IRS on XXXX XXXX and there was no reponse. I then went to send my power of attorney paperwork in to the dealership and the finance company and there was no response from them as well. So on XXXX XXXX i sent a notice of rescission to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Financial institution, the consumer financial protection bureau, federal trade commission, and the Illinois attorney with no response at all regarding my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
After all the recent media I've been seeing about several hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus. I filed a police report to notify authorities. So far no actions have been taken by any of the credit bureaus. 

Below are fraudulently unauthorized inquiries on my report : Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX Below are the Company, Account #, Dates opened, and balances for the inaccuracies reporting on my credit report : Company : XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$390.00} Company : XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$3900.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX   Account # XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$1100.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$6200.00} Company : XXXX Account # XXXX Date Open : UNKNOWN Balance : {$100000.00} Company : XXXX   Account # XXXX Date Open : XXXX XXXX Balance : {$12000.00} Company : XXXX  Account # XXXX Date Open : XXXX XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX Account XXXX XXXX Date Open : XX/XX/XXXX Balance : {$370.00} Company : XXXX XXXX Account XXXX XXXX XXXX Open : unkown Balance : unknown

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 2019-11-26
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. (NY)

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with non-monetary relief