hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-09-05
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: EQUIFAX, INC. (TX)

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-11
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: BMW Financial Services NA, LLC (CT)

Complaint:
I already reached out to BMW FINANCIAL SERVICES and notify them of their error posting of information on my report. I requested for Method of Verification but they have failed to respond in a timely manner. I did not receive what I asked and these violations still persists on my credit report. The absence of method of verification FCRA 611 and validating debt ownership via third party fails to meet the Consumer Finance Protection Bureaus guidelines for what constitute proper debt validation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CO)

Complaint:
Im was a XXXX XXXX with XXXX, l was introduce to XXXX currency trading last year with XXXX, since both are well trusted exchanges i thought my money was safe, after I open an account with XXXX, a group of XXXX currency traders approached me via XXXX, they claimed to have an exchange where you could learn to trade on daily basis XXXX and render profits with their data advice and guidance, I thought they were a serious trustable group since they got my info from XXXX. 
The platform was fake and theyre a group of very sophisticated skilled people who scammed into deposit my hard earn savings to their platform under the false assumption I was doing honest day trading The platform is XXXX The money travel from my checking account from Wells Fargo to XXXX and into their fake XXXX address The money was lost and I need someone who can help me retrieve my money. 
Again the transactions were made willingly, thats the mere definition of a scam and Wells Fargo refused to refund the funds because they were authorized transactions, but they can verified the money travel to a scammers 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 2022-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

Complaint:
Bank of America and the over drafts fees were at totaling over {$500.00}, I was out and had some bills on autopay.

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 2021-02-14
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: SYNCHRONY FINANCIAL (NH)

Complaint:
Account is owned by Synchrony Bank -- - Original Message -- - From : " XXXX XXXX  XXXX '' XXXX Received : XX/XX/XXXX XXXX XXXX EST To : XXXX Subject : Other Inquiries Hello, We have attempted to pay our balance due on card prior to promotion expiring as we were not aware, but this was denied so we would like to fine a grievance. I'm willing to payoff our balance of XXXXXXXX  prior to interest being added last month, but will not pay XXXX now on my card. I will also file a complaint to the " Consumer Financial Protection Bureau '' if we are not able to resolve this issue since this practice does not seem legal or ethical. Thanks XXXX XXXX From : Customer Service To : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, Thank you for your recent inquiry regarding your Synchrony Bank account, and the opportunity to be of service to you. 

We apologize for the delay in our response. Your inquiry is important to us. 

I hope that this message finds you well. 



Due to the nature of your inquiry, we have escalated your request to our corporate office for handling. You should expect to receive a written response within 7 to 14 business days.

We appreciate you as a valued Synchrony Bank account customer. If you have any questions or if we may be of further assistance, please contact us via the Online Message Center or at XXXX Sincerely, XXXX.XXXX  Customer Service From : XXXX XXXX XXXX To : Customer Service XX/XX/XXXX XXXX EST Reply Hello, We have not received any written responses from you and would appreciate your attention to our inquiry. Thanks 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 monetary relief
Consumer complaint received 2022-11-06
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:
The following account is an error reported to my consumer report as a collection/chargeoff without my consent or permissible purpose as per the FCRA. This false information on my consumer report states an incorrect name/person who is tied to my personal information and is disabling me from obtaining good credit. A letter was sent to Experian Credit Bureau on XX/XX/22 to rectify this error and I have yet to receive a response from the bureau. This violation amounts to fraud and identity theft. 

XXXX XXXXXXXX - Account # : 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 2022-09-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc. (MD)

Complaint:
XXXX XXXX XXXX used to be my apartment not until state of emergency commenced due to high number of XXXX. I wasnt working at the time which the state offered cares Acts which excluded landlords from evicting tenants during the outbreak of virus. I wasnt working, XXXX  XXXX XXXX  and XXXX focused and was rushed to the hospital, later on was XXXX  and in XXXX for a while before having XXXX XXXX due to XXXX, anxiety. Under XXXX accommodations, I requested debt validation to make sure I wasnt overcharged but it got to my attention. 
I moved out after I sent a email to management that I will be moving out, all rental agreement such as one month notice before vacate wasnt enforced due to state of emergency. I ended up not picking up my properties which made them confiscate my items and now Im being charged for what I didnt use.Im requesting XXXX accommodation as Im unable to make this payment due to underlying illness plus under 15 U.S. Code 1681i fair accurate reporting should be provided but I dont think Im having fair reporting. I called and tried to negotiate but the lady was so rude and was promptly offered XXXX off ( {$3300.00} ) and must be paid in one sitting which even makes it more difficult to work with but then sponsor whom co-signed already made payment close to $ XXXX as I wasnt able to assist with the payment due to my underlying illness. Im requesting for review of account to show proof of state of emergency, email sent to management of hardship. This isnt proofing XXXX of cost breakdown including one paid by my sponsor XXXX XXXX. Under the lease agreement it state every payment owned must be paid but also have to remember the care acts law was enforced and a lot of lease agreement was in absolute pending.attachment shows date very close to move out date from XXXX XXXX apartment. 

Errors detected 1 ) Not providing full debt validation including one paid by XXXX XXXX 2 ) late fee, charges, rental agreement binding agreement was noid due to state of emergency 3 ) was charged one full month + miscellaneous 4 ) agreement provides XXXX accommodation for health grounds on number 20 5 ) insurance charges multiple times

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30
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. (NJ)

Complaint:
Dear Equifax, XXXX XXXX XXXX. I submitted a complaint in regards to Identity Theft, complaint ID XXXX. Pursuant to 15 USC 1681c-2 you are in violation of the FCRA and willfully violated my Consumer Rights according to the law. I have provided proper proof of Identity, an Identity Theft Report, identification of such information, as well as a statement. Pursuant to 15 USC 1681 c-2 - 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. 

You are outside of the given timeframe allotted by the law to provide a fair and equitable resolution for the Consumer, myself. YOU BROKE THE LAW! I requesting that all information is deleted from credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NV)

Complaint:
Greetings, On XX/XX/2022 I brought a car from XXXX XXXX in XXXX XXXX NV. for XXXX Deal # XXXX stock number # XXXX I still don't have the car its been almost two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
On XX/XX/XXXX I sent in a dispute to TransUnion about the following accounts listed below with a follow up on XX/XX/XXXX for no response, on XX/XX/XXXX they responded with just a summary of their method of verification but no information on the investigating items. 

XXXX  XXXX  XXXX  {$430.00} This account is questionable. The date of the last payment on XXXX  shows XX/XX/XXXX with the date of last activity of XX/XX/XXXX but TransUnion there is no date of last payment with a date of last activity showing XX/XX/XXXX. This date should reflect the FCRA compliance date which should not be changed. 

XXXX This account is inaccurate showing a High balance of {$460.00} on TransUnion but on XXXX  shows {$420.00}. The date of the last payment on XXXX  shows XX/XX/XXXX with the date of last activity of XX/XX/XXXX but TransUnion the date of last payment is XX/XX/XXXX with a date of last activity showing XX/XX/XXXX. This date should reflect the FCRA compliance date which should not be changed. 

XXXX {$11000.00} This account is inaccurate showing a High balance of {$12000.00} on TransUnion but on XXXX  shows {$11000.00}. The date of the last payment on XXXX  shows XX/XX/XXXX with the date of last activity of XX/XX/XXXX but TransUnion the date of last payment is XX/XX/XXXX with a date of last activity showing XX/XX/XXXX. How can the last payment be after the date of last activity. This date should reflect the FCRA compliance date which should not be changed. 

XXXX  {$1600.00} This account is inaccurate showing a High balance of {$1500.00} on TransUnion but on XXXX  shows {$1600.00}. The date of the last payment on XXXX  shows XX/XX/XXXX with the date of last activity of XX/XX/XXXX but TransUnion the date of last payment is XX/XX/XXXX with a date of last activity showing XX/XX/XXXX. How can this information be different if they come from the same creditor? This date should reflect the FCRA compliance date which should not be changed.

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 2022-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
The following accounts and inquiries listed below are all fraudulent and were opened without my consent and it is against consumer law to report fraudulent information on consumers credit report. 

Fraudulent Accounts TransUnion XXXX XXXX Bank Acct # XXXX Fraudulent Inquiries TransUnion XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX 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 2017-01-11
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Jon Barry and Associates, Inc. (NC)

Complaint:
This collection company spoke with a third party without my consent I disputed it online with XXXX and never received anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect (WI)

Complaint:
I need help trying to obtain itemized bills from XXXX XXXX XXXX. On XX/XX/XXXX, I had XXXX on XXXX XXXX XXXX. To the best of my knowledge, all bills related to this XXXX and all other XXXX bills were paid years ago. However, upon recently checking my credit report, I noticed that there are three bills from XXXX sent to collections as recently as XX/XX/XXXX. 

I have asked XXXX XXXX and XXXX XXXX  to provide itemized bills from all XXXX visits/procedures from XX/XX/XXXX-present. They advised me that it was my responsibility to obtain this information from other sources, including Americollect, the collection agency, and my insurance company, XXXX XXXX XXXX. 

After contacting XXXX on XXXX, I was advised to email . On XX/XX/XXXX, I did so. I was contacted by email by an XXXX representative named XXXX XXXX XXXX. I do not know her title or department. 

XXXX XXXX advised me that due to a new billing system, I have two billing accounts with XXXX: one for physician services and one for facility services. At one time, there were three billing accounts. This is where I believe mistakes were made in applying payments. 

XXXX XXXX  has provided me with statements that show a breakdown of bills that she claims that I owe. However, she has not yet provided me with the most important piece of information that I need: an official breakdown of an $XXXX payment that I made to XXXX on XX/XX/XXXX. I asked XXXX XXXX for this information several times, and as of this writing, have not received it. On Friday, XX/XX/XXXX, I emailed XXXX XXXX and told her that if I did not receive it by the end of that day, I was going to file an official complaint against XXXX. 

I am asking for an investigation of how XXXX has handled this situation. Thank you.

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 2023-02-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mountain Run Solutions, LLC (TX)

Complaint:
XXXX. CFPB XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shall cease and desist all communications with the consumer, through all mediums of communication including the credit report. Also, do not engage in any conduct or communication to harass, oppress, or to abuse me, the consumer. 

Acc CFPB 12 CFR 1006.34, I am requesting validation of this debt. I am also requesting all the information in the 12 CFR 1006.34 Notice of Validation section. Please provide me with the debt collector communication disclosure which is clear and conspicuous. 

You are using false and deceptive practices, and abusing, harassing and oppressing me to collect on an assumed debt.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Jefferson Capital Systems , LLC for a number of federal violations. I have never given Jefferson Capital Systems , LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from Jefferson Capital Systems , LLC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Jefferson Capital Systems , LLC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me ( the consumer ) prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Jefferson Capital Systems , LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them such as a trilateral contract. If this documentary evidence can not be produced and Jefferson Capital Systems , LLC continues its collection efforts, I will file for litigation for actual damages caused and Jefferson Capital Systems , LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
I am apply for my first home loan all three credit reports are showing different account XXXX has XXXX XXXX loans that were removed 2009. XXXX has removed this. And all the letters I have sent the accounts XXXX Bank of America, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX ) have not be updated to never late. 
XXXX is obligated by the XXXX to report accurate accounting consumer has advised. ALL injuries reported was fraud said company had 4 days according to the LAW to remove such items. FTC XXXX report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine the injury was indeed authorized by the consumer XXXX has 15 days to provide me with wet ink signature consumer is NOT asking for an e-Oscar report. If XXXX does not have documentation to show these were in fact authorized it must be removed asap. SAID company ( listed below ) will be liable under SEC to follow certain rules. XXXX XXXX file number XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX BofA XXXX XXXX XXXX XXXX XXXX of the XXXX, XXXXXXXX XXXXXXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX I will be filing form XXXX treasury omb forms to audit consumers account. XXXX is securitizing consumer data yet refuse to provide consumer a copy of their Consumer File Not Consumer Report. 

Companies : Account name BANK OF AMERICA Account number XXXX Account name XXXX Account number XXXX .... 
Account name XXXX XXXX XXXX Account number XXXX .... 
Account name XXXX XXXX XXXX  Account number XXXX .... 
Account name XXXX XXXX XXXX  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 2020-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (KY)

Complaint:
MRS BPO at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX @ XXXX, has been contacting me daily via texting, phone calls, and the mail. This volatile behavior is extremely harassing and verbally abusive. I do not owe this debt, and want them to cease & desist all communication and harassment immediately!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief