hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Complaint:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, and 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 2021-07-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NJ)

Complaint:
hi I went to the XXXX XXXX new york branch on XX/XX/XXXX and opened the business checking account with promotion of deposit the {$50000.00} for 60 days and get {$1000.00} bonus.my business checking account ( XXXX ), money market account ( XXXX ) I signed XXXX forms and deposit the check on XX/XX/XXXX and move the money out on XXXX XXXX, but until today XX/XX/XXXX, i still did not get the bonus as promised. i have emailed the banker since XXXX, XXXX, and she opened the case for me, but still no result. i have emailed and called several times asking for the bonus, no result in the end.. which is very upset

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 2020-11-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Accounts & Advisers, Inc. (MN)

Complaint:
This company is reporting three unknown accounts on my credit report. This is an unfair practice of this company. I have called them several times and they claim they can not find these accounts with my social security number. How is it possible when they are reporting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Aldous & Associates, PLLC (CA)

Complaint:
I signed up for a membership of XXXX/month at crunch fitness gym. They stated it was a month-to-month basis. It is also advertised as month-to-month. I stopped going to the gym. I called to cancel my membership. They told me I had to go in person, so I went in person to cancel my membership in XXXX 2015. A year has passed and I never received any notice, notifiying me that I have any further financial obligations with their company. Since then they have hired the services of a debt collector to collect on my account. That firm known as Aldous & Associate 's levied my account. They took money without my consent. First of all I never owed them any money. Second of all, if I had, why was n't I notified? I was never contacted by phone nor email. They are claiming that I owe {$110.00}. I would like to know why if they stated their membership is XXXX/month. No contracts.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
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: EQUIFAX, INC. (FL)

Complaint:
These accounts inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done may attempts to reach out to XXXX, Equifax and XXXX Credit Bureaus but the failed to give me any results or feedback 's about this concern. Please investigate and remove them from my personal credit file. Thank you.INACCURATE ADDRESSES : 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 ; INQUIRIES : XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date 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 XXXX XXXX, Medical XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2019-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (NM)

Complaint:
Navy Federal Credit Union is not providing validation to verify that three separate accounts belong to me. I will be uploading the considerable correspondence that has occurred regarding : ( 1 ) an auto loan ; ( 2 ) a credit card ; and, ( 3 ) an additional account that has not been clearly described in any written communication. I am requesting your assistance because when I wrote to secure the copies of the agreements for these alleged debts and a payment history to verify the amounts owed, I received a letter ( which I will be providing to you via upload ) saying that this information had been provided to the credit bureaus and that I should seek validation from the credit bureaus. I do not believe that this response is in accordance with the provisions regarding consumer rights under the Fair Debt Collection Practices Act. I believe Navy Federal Credit Union has this information and that their following comments are inappropriate and inaccurate : " We have investigated your claim and found the account information we furnished to the credit reporting agencies is accurate and that this debt is a valid debt owed to Navy Federal. If you wish to pursue this matter further, you may submit your dispute directly to the credit reporting agencies. '' I am hoping that you can intervene and help me secure the information I am seeking. I believe that Navy Federal Credit Union is the appropriate resource to provide validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION (FL)

Complaint:
Hi, I opened an account with Regions Bank around XXXX XXXX, XXXX. They were running a promo for new checking accounts with the code XXXX. This promo stipulated that 10 XXXX check card purchases needed to be done within 60 days of account opening, as well as enrolling in online statements. Once both were performed, the owner of the account would receive a {$400.00} bonus from Regions. I enrolled and committed the purchases by XXXX XXXX, XXXX. Regions decided to close my account without any notification shortly after that. I did n't receive the bonus and I did n't even receive any information whatsoever as to my account closing unilaterally by 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 explanation
Consumer complaint received 2021-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

Complaint:
Please someone help me! Approximately 6 months ago I was advised to apply for an SBA loan which my family friend did on my behalf. I did not fully appreciate what it meant and should have never received the money. Ever since then I have called TD Bank dozens of times to give the money back and restore my account. For the last 6 months Ive called dozens of times to the SBA and TD Bank and no one can solve this for me or provide a competent answer. Months ago they said they were going to give the money back so I can live on with my life. TD Bank froze my account and somehow has flagged me and now I cant open an account anywhere else. Ive applied to open accounts at other Banks like XXXX and have been denied. I just want to give the money back and be able to live my life. I am XXXX, single mother, and a XXXX  and I am just trying to make ends meet. TD Bank is taking advantage of me in the fact that Im a minority and they are being unfair and very deceptive this should have been solved months ago. And now with the second stimulus, my friends have received it and I have no idea how or if I am able to get it and I need the money to put food on the table for my kids. I just dont know what else to do other than go to the Media or the news.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
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. (GA)

Complaint:
The credit bureaus are in violation of my rights please help. They keep saying an account is verified as accurate, without providing me with any data on the account, and any proof of their method of investigation, and their so call real dispute results or the documentations prompting them to say the accident accurate. I even reached out to the credit, I was at first told that there is a fraudulent account in my name, that it will be deleted within 30 days, and then I received an email days ago saying they don't have any accounts under my personal information, so I am super confused, but either way the account is fraudulent and not mine, and would like it deleted from my credit report. Please see attached documents!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
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. (FL)

Complaint:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
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. (AZ)

Complaint:
This is my second-time requesting 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX & XXXX XXXX Balance : {$110.00} XXXX & XXXX XXXX Balance : {$960.00} XXXX & XXXX XXXX Balance : {$330.00} XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
XXXX XXXX XXXX has stated that they do not know who I am. I informed them that I have never attempted to get a loan from XXXX XXXX XXXX. However there is a hard inquiry on my report from this Loan Company. Please have them remove the hard inquiry listed on my credit report. on XX/XX/2016. I should not have to ask this company more than once to remove my information from their system. I should also be compensated for the emotional distress that this has caused. This company is attempting to gather peoples information and process fraudulent loans in their name or fraudulent loan applications in their name for the sake of number or to be efficient sales people. This is fraud and a violation of several laws. I need the address for this company a corporate address to pursue this matter in a small claims court. 
XXXX up | Log in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX ) XXXX Credit Inquiriesclose XXXX will monitor for new inquiries made in your name. If you don't recognize a historical inquiry, we can help you dispute the issue. 
Date Inquirer XX/XX/2016 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 explanation
Consumer complaint received 2021-10-11
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. (IL)

Complaint:
I have contacted the credit bureaus and XXXX BANK XXXX XXXX to remove this account that was open on XXXX XXXX, 2014 ( 7 yrs, 8 mos ) which make it obsolate under the 7 years statute of limitation of the FCRA. The account is also fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX Balance : {$24000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
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. (FL)

Complaint:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to be FIX immediately :

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 2017-07-21
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. (CA)

Complaint:
We were contacted by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX about unusual activity on " my '' accounts - I never created any accounts. We are now in the process of attempting to work through identity theft. In so doing, upon asking for our credit reports, we found many we NEVER requested or approved : XXXX XXXX XXXX XXXX Trying to contact such entities is 'difficult '. In the latter part of XX/XX/XXXX Credit cards were secured by whoever stole my identity and a balance transfer was in process for {$6200.00}. Thankfully, the security person at XXXX XXXX felt something was wrong and contacted me through my wife 's cell phone number. On XX/XX/XXXX a home loan mortgage was applied for, we do not know where. We found this out by a solicitor mailing us an offer of a loan, beginning with something like " you applied for a home mortgage on XX/XX/XXXX ... '' We do not know how to find out where this application was made. XXXX ( XXXX XXXX XXXX, XXXX ) is the solicitor, we are in the process of formally contacting them in an attempt to find out how they know about the mortgage application and who the application is with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: U.S. Auto Credit Corporation (GA)

Complaint:
Yes I have a XXXX XXXXXXXX XXXX and the financial center US Auto Credit in my opinion is being fraudulent with my payments for a car that's not worth the balance for the money in repairs I put in on the vehicle. They have pass my information fraudulently from other companies. I'm hoping you can help me out on investigating US Auto Credit on how they do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (OK)

Complaint:
I have a Delta Skymiles AMEX account. On XX/XX/XXXX I went to upgrade my Delta Skymiles Gold to a Delta Skymiles Platinum. AMEX sent the incorrect link and opened a AMEX platinum instead. When I received the wrong card in the mail, AMEX admitted their mistake, canceled the card, and removed the credit pull from the Credit Bureau Report. 

I went to apply for a AMEX platinum in XX/XX/XXXX and was told I couldnt receive any bonus offers since I had technically had the card before- despite the fact it was AMEXs error. I called again in XX/XX/XXXX and XX/XX/XXXX and was told they admitted the whole thing was their error but couldnt technically give me a bonus since it was a computer issue. On XX/XX/XXXX, I was told on the phone that a supervisor could manually audit my spending and give me a lesser bonus- but wouldnt give me any documentation that i was guaranteed to receive the points. Plus it was a lesser bonus than the 60,000 points for {$5000.00} spending. I messaged again on XXXX XX/XX/XXXX and was told again it was their fault but the customer service agent couldnt do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MN)

Complaint:
American Express offers referral bonus of XXXX miles for every person who opens an account with that referral link. I opened an account with a friend 's referral link and due to a website error, they didn't get the bonus. Attempts to get this remedied were met with them saying it wasn't possible and that it was my fault. They are unwilling to credit the referrer 's account with the promised reward and simply transfer me to another department or hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
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. (GA)

Complaint:
I received a letter from XXXX XXXX, stating that they have ceased collection, on the XXXX account for XXXX. It still remains on my XXXX credit 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 explanation