hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-08-21
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. (NJ)

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Complaint:
We received a text from XXXX XXXX asking for a door installation service. We agree to make business, he send us a check from this XXXX XXXX and send more amount, as the difference was supposed to be delivered to the supplier. We send XXXX the supplier vis XXXX  and XXXX XXXX  but then the check was returned because it was found altered. We communicate to this person what happened and now he is trying with the supplier to return the money. I told him this is fraud and now he ask to not report as the other person will return funds. Furthermore, we receive another similar business request but without sending funds. This person paid with a check from a company, saying he works for the company. He also wants part of the funds for some carpinter that will be working in the house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
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: Thaxton Investment Corporation (AL)

Complaint:
Please note that I am the author of this complaint and all attachments included This credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute. 

The furnishers mentioned are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the information to be true instead of deleting the accounts from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
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: SYNCHRONY FINANCIAL (FL)

Complaint:
I received a promo offer for 5 X points for charges on my Care Credit account through XX/XX/20. I used my card at a network dental provider, but did not receive the promo offer. I have sent multiple messages, and called Synchrony Bank, up to and including sending pictures of the actual promo received. They are stating that it was a XXXX offer, and it is very clear to me that they are not even referencing the promo I received. I have the promo card offer there are no dates other than charges thru XX/XX/20. I received 2 X points, but not the 5 points offered on the mailer. Very deceptive and misleading advertising. I have had multiple issues with this bank and the integrity of their promo offers.

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 2022-02-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

Complaint:
This vehicle was my XXXX XXXX vehicle and she was involved in a total loss accident. We were told by XXXX that the vehicle was paid in full by the XXXX XXXX  and that we would receive a refund for the early payment that we made. We purchased a new vehicle for her. After a few months, I saw negative marks on my credit report and I called XXXX. I was Told that we had to pay our deductible. We never received a notice or anything in the mail. I paid It right away over the phone. I was Told by XXXX that they would correct this error. I have been fighting this for years and its the only negative mark on my credit. Please help me. 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 2022-03-08
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. (MI)

Complaint:
This is XXXX XXXX and this complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

FIRST XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXXXXXX XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX Balance

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 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-15
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. (CA)

Complaint:
XXXX ACCOUNT # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
HIGH BALANCE, DISPUTE STATUS, DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates..

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 2020-01-25
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: DriveTime (CA)

Complaint:
I have an inquiry on my credit report that I did not authorize. 

DT CREDIT Auto Financing Companies Inquiry date : XX/XX/2019 XX/XX/2019

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 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Complaint:
I wrote Capital One on XX/XX/2023 and mailed on XX/XX/2023 requesting to pay off the closed QuickSilver and Walmart cards for removal from credit report ; received response that said I had to call the Customer Service number. 

I called Customer Service today, XX/XX/2023. I spoke to representative XXXX, id # XXXX, and requested a letter/email stating " once/if the account was paid in full the account would be removed from my credit report ''. 

XXXX responded that Capital One would remove the account from my credit report ( she said this 3 times ), when my balance was paid in full that a settlement would not be offered. I asked for this in writing because I'm not falling for the trick of you pay, we leave it on the credit report even though we said we'd remove it. 

When I pressed XXXX for the letter/email, XXXX changed her wording once again stating that when the account is paid I'd receive confirmation. When I pointed out that her wording was changing she became very flustered and tried to interrupt every thing I was saying. 

She then said something that since I'm not going through a company to do this that Capital One won't negotiate. I stated I will pay the balance in full if I receive the letter, she said " yes ''. Then I asked for the letter again and was told it will be provided once the account is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Complaint:
XX/XX/2022 it states i had an inquiry from XXXX XXXX XXXX XXXX but ive never ran my credit with this company and ive been asking for this to be removed since i saw the fraudulent inquiry

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 2018-06-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION (TX)

Complaint:
I recently initiated an e-Check payment to my credit card company, XXXX. My bank rejected the transaction and charged me a {$38.00} NSF fee. My account balance had enough to cover the debit, though. I have attached a screenshot of my mobile banking history hereto. 

I am shopping for a new personal checking account, but I still need the {$38.00} fee they assessed to me back in the meantime.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) --  CLOSED ACCOUNTS 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 2018-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Complaint:
I am writing right now with wish to obtain your help. Presently I am working on reviewing my credit, paying down my balances, and pursuing superior credit worthiness. You play a vital part in this procedure. I am inquiring about the account number referenced within this complaint. 
I see you have reported me 30 days late to the credit agency 's ( XXXX XXXX XXXX XXXX ) on XX/XX/2018 and I am writing to get this remark took back. I had believe I had made all my payments on time, the only thing I can think of, is actually that my statement failed to get to me in time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

Complaint:
I mobile deposited a check XX/XX/2023 and a 10 day hold was placed on it. I have worked for the same company for over a yr. during which time i receive a paycheck every 2 weeks and deposit it, with no issue. I have had my account for at least 10 years with a positive and solid balance and never had any issues. I have had a few overdrafts, but this is a PAID service that is offered by the bank, this is not a penalizing issue, this is a servce i PAY for, for which the bank is happy to take my overdraft fees. The reason given for holding my check for 10 days ( an entire pay cycle ) is that i have had overdrafts on my account. This is not a relevant reason to hold my deposit, the check is good, i have deposited at least 25 identical checks with NO ( XXXX ) issues with them. My account is beyond good standing and has been so for at least 10 years, which should be a non-issue as well, the check is good, it should be available in a day. No other factor besides the check being " good '' should factor into holding my deposit. me using a PAY service should not hamper my ability to access funds from my account, unless my account would still be negative AFTER the deposit, which is not the case here, i will be positive over {$3000.00}.

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 monetary relief
Consumer complaint received 2021-01-17
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. (CT)

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 explanation
Consumer complaint received 2023-04-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to 3 Credit bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means 3 credit bureaus have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX {$150000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00}, XXXX XXXX XXXX Date XXXX Balance Owed : {$1800.00}XXXX XXXX XXXXXXXX Date Reported : XX/XX/XXXX Balance Owed : {$18000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2015-08-17
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc. (TX)

Complaint:
Hello, Today, XX/XX/XXXX, I received a phone call from " ARA, Inc. '' telephone number XXXX. The guy on the phone stated that I owe XXXX XXXX Bank -XXXX card {$6400.00}, which was a total that included balance and interest. The guy also mentioned to settle the account " Right AWAY '' with him via phone for {$2400.00} and that he will waive all the interest and charges fee. I replied by saying " NO, I do n't owe anyone anything, and I do n't recall that information. '' He said that this account was open XX/XX/XXXX. 

After that, he put me on hold and transferred me to another guy named XXXX XXXX, he wanted to settle the case for {$1400.00} if I provide him with my credit card information otherwise they will take me to court and sue me for total amount {$6400.00} plus attorney fees which will be over {$10000.00} total. 

The guy I spoke to has ALL my information such as the last XXXX digits of my SS number and my wife 's information. He also has my bank name and how much credit I have with XXXX Credit Card. He was forcing me to give him the information otherwise tomorrow morning, they will charge my credit card for {$6400.00} because they have some legal rights to do this. He told me to " Think about it '' and that this " this {$1400.00} offer is just for TODAY only '' and he will call me later. 

I received a call later from a different telephone number, XXXX, XXXX, from XXXX XXXX XXXX. I told him to send me a paper statement with this issue and he hung up the phone. 

I spoke to one of your representatives, Bureau of Consumer Financial Protection, I told her about what had happened, she said this issue seems like a fraud case and this claim is too old due to the statute of limitation in XXXX is XXXX years and now I am living in XXXX and the statute of limitation is XXXX years, if they take you to court, go to court and show the judge the statute of limitation for XXXX states. She also mentioned to file a complaint with you, Bureau of Consumer Financial Protection. 

Please I request you to look into this matter as soon as possible. 
Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HW Holding, Inc (GA)

Complaint:
I moved out XXXX, located at XXXX on XX/XX/XXXX. I was subsequently notified of resulting move out charges in the amount of {$1000.00} via mail on or about XX/XX/XXXX at my new address in XXXX ( See annex A ). I was not notified of these charges at anytime prior to this date either orally or in writing. The notice stated I had 30 days from the move out date to remit payment which I did on XX/XX/XXXX ( see Annex B ) However, XXXX XXXX had already referred my account to a debt collection agency, Hunter Warfield prior to the XX/XX/XXXX deadline ( see Annex C ). The amount paid was in the value of {$1000.00} as a {$64.00} is currently in dispute with XXXX XXXX XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: DISCOVER BANK (TX)

Complaint:
I, the victim, was not aware of the fraudulent activities on my credit history. I noticed between the month of XXXX 2023 when I could not get approved for a vehicle and my credit started to decline. These actions were not taken by me. At the time, I was between the ages of XXXX trying to build my credit score and did not know anything about credit cards let along credit fraud. One account is within the amount of ( discover- {$11000.00} ) and the other ( XXXX XXXX {$4000.00} ) is wish to be removed as for my credit will rise and I wouldnt have to keep coming across this hassle.

Company response to consumer: Closed with explanation