hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2019-07-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AA Recovery Solutions, Inc. (OH)

Complaint:
Contacted via email about a debt for two motorcycles I purchased. One was already repossessed, and the other one was not. Threatened many times about being sued, wages garnished, and possible arrest by police. Never received anything via mail, only calls and emails made/sent to myself as well as my mother. They said the same threatening things to her about what could happen to me, if the debt wasnt payed immediately, and continued to badger her without any permission from me to talk to her about my debt..They have offered a settlement, but they wouldnt provide a physical address of their business until my mother told them we wouldnt send any money without knowing where theyre located. They had originally asked for payment over the phone, and then gave a PO Box where to send it. When I searched for information on the internet I found on the XXXX that this agency name and address was closed, and many of their tactics where reported over and over in complaints to the XXXX. I did ask them about finding on the XXXX site where it said their business closed, and they told me businesses change all the time ... The name the collections agency gave me was AA recovery solutions, also used the name AARS. The address they finally gave me after repeated attempts to get it from them is, XXXX XXXX XXXX XXXX XXXX with a zip code of XXXX. Im not sure where to go at this point, all the phone numbers I found associated with them say they are not in service. Even the ones on the website ( XXXX ) they gave me didnt connect me to anyone. I was told I needed to send the money two day express with no signature required, and that I would receive a clean title to the motorcycle, the one that wasnt repossessed, 1-2 weeks after they relieved the money. I did contact the original company I purchased the motorcycle from, but they were unable to give me any verifiable information about the debt. I called two different numbers. One of them I found on line, but the XXXX representative couldnt tell me anything about the debt. Also called a XXXX phone number given to me by AA, which told me the debt was bought out by XXXX XXXX. Ive never received anything from XXXX XXXX about this debt. AA recovery solutions said XXXX XXXX bought the debt, and AA recovery is the third party used to collect the debt .... Ive been told so many things by AA recovery solutions, and many of them have been contradicted from one phone conversation to another, and from what is told to me vs what is told to my mother. Also, the information Ive found online doesnt substantiate the information AA has given me ... I have no idea where to turn at this point, or whom to believe. Any help you could give me would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
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: Bread Financial Holdings, Inc. (TN)

Complaint:
OnXX/XX/2018 we had 3 hard targets on our credit that was not authorized. It was at a XXXX XXXX that we attended and found out that they opened a XXXX XXXX credit card in our name we did not authorize that is fraud also there's a XXXX XXXX that is on our credit report for the same day and XXXX so that's 3 hard hits that we did not authorize them to run our credit for anything it's all fraud and we want these taken off our credit report now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

Complaint:
I am filing this complaint because I have tried several times to file a claim for fraudulent activity on my Wells Fargo accounts. Money has been transfered online from my Personal Line of Credit to my checking accounts in large amounts then withdrawn out of the ATM right after. None of this activity was me. There also were two payments onto the personal line of credit online that was not me also. This activity was from XX/XX/XXXX to XX/XX/XXXX My first claim was made in XX/XX/XXXX. My claims have been denied due to their reasoning stating that I authorized these transactions because it was in my account. These transactions are withdrawn in large amounts. There was no need for me to need over {$5000.00} in such a short amount of time. I do not have any other bank accounts and did not make any large purchases around this time. In XXXX of XXXX, I received a new debit card due to a lost wallet. I have continuously asked for the surveillance for these dates to be released because none of the activity with my personal line of credit was authorized by me. When I make a claim with personal line of credit claims they tell me to make a claim with the checking claims. When I make a claim with the checking claims they tell me to make a claim with the personal line of credit. I have been given the run around for months. Whoever is using my card at the ATM has all of my information and is making online transfers so they have my PIN also. They have all of my information. My credit card with Wells Fargo has been closed due to this activity and both of these closed accounts ( Credit Card and Personal Line of Credit ) have been closed late XXXX and appear on my credit statements! These dates and amounts are as follows for online transfers AND withdrawals : XXXX {$300.00} XXXX {$700.00} XXXX {$500.00} XXXX {$700.00} XXXX {$700.00} XXXX {$480.00} XXXX {$240.00} XXXX {$600.00} XXXX {$700.00} XXXX {$800.00} XXXX {$500.00} XXXX {$700.00}

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 2023-02-06
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: EQUIFAX, INC. (VA)

Complaint:
I recently reviewed my consumer report and find that there are numerous fraudulent addresses, accounts, inquiries, and employers listed on my consumer report. No company has reached out to me about the accounts being reported to my consumer report. I reached out to each company to let the company know that the transactions that took place to open these accounts are indeed fraudulent. I did not consent to, authorize, nor benefit from any of the following accounts and inquiries. Please block and remove them immediately : ACCOUNTS : 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 

ADDRESSES : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX. 

EMPLOYERS : XXXX XXXX STATE PRISON, XXXX XXXX STATE PRISION. 

Please be advised, this request to block and remove all listed items resulting from fraud is not done in error. Thank you for your attention to this matter. I assure you will not discriminate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Complaint:
The Bank of America sent me a marketing flyer for its " cash rewards '' card. I signed up. I earned {$240.00} but the bank refuses to release the money to me. It now says that it had read to my the terms of the " cash rewards '' card on the telephone and claims it stated that it takes up to five ( 5 )  business days to give me the cash rewards. The bank, with all due respect, is lying. I was never told a thing on the telephone. This is yet an other example of bank deception and it is wrong! 

The branch manager in XXXX, New Jersey, XXXX XXXX  XXXX, remained me this morning that the bank had told me this on the telephone. I emailed her that this is a lie!

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 2018-09-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collins & Hilton Asset Group, LLC (TX)

Complaint:
Collins Asset Group , LLC never sent me notification of this alleged debt until after I reached out to them in the form of a dispute. I saw a negative entry by this company on my credit reports in XX/XX/2018. This company claims I owe {$10000.00} to XXXX XXXX XXXX ( TX ). I wrote them a letter of dispute and also notified XXXX and XXXX of the erroneous mistake. Collins Asset Group did not remove the negative mark on my credit reports and in fact, told the credit bureaus this was a valid debt. I then reached out to the alleged original creditor and spoke to the owner of XXXX XXXX XXXX, Mr. XXXX XXXX XXXX. He told me that he has no knowledge of Collins Asset Group and he never hired them to pursue me because, I do not owe him any money. I received a letter dated XX/XX/2018 from this company and I decided to pay a visit to XXXX XXXX XXXX and to show them the letter as proof this company claims I owed them money on XX/XX/2018. Mr. XXXX immediately said this is not accurate and proceeded to call the phone number from the letter ( XXXX ) XXXX. A female named XXXX refused to talk to Mr. XXXX calling him a third party and that she needed my permission to speak with him. When I took the phone to give her permission to speak to the owner they claimed is the original creditor, she then refused to talk to me as well. I asked for a manager and was told none was available and that I need to once again, put my dispute I writing. Mr. XXXX, just a frustrated as I was offered to help by writing the enclosed letter and asked me to attach his business card for verification. Im in need of assistance and would like this company to stop pursuing me and remove this negative mark from my credit reports. 

Sincerely, XXXX XXXX XXXX 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 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Collection Bureau, Inc. (PA)

Complaint:
I have paid a collection account on my credit recently. The agreement was made that if I were to pay the same day with a payment of {$3000.00} on XX/XX/XXXX, the account would be brought to {$0.00} and removed from my credit reports. I have tried multiple times to contact the Collection company for a resolution to clear this as agreed upon yet no actions have been taken and I have been constantly ignored. I have attempted to dispute with the Credit Bureaus themselves, but I havent had much luck either. For a brief summary of the events, I was struggling financially in XXXX due to XXXX, XXXX, & work-hour reduction. Therefore, I seeked help from the City/Municipal office when they released a program for Relief on Rental Assistance due to XXXX ( XXXX ). It was expressed to me that everything would be addressed & handled. Unfortunately there was various forms of miscommunication, untimely responses, unqualified representatives, & unprofessionalism in between that led to the rent go unpaid for months & by the time I was properly notified, legal action was taken & expedited by the Apartment complex management and I had to leave on a very short notice. Never did I physically meet or speak with anyone by phone from the Apartment complex about the entire situation. ( The only communication had was by email & text once the situation was escalated. ) The account went into to Collections soon after, and was sitting there ever since until now, when I've been able to sort of recover economically. I am seeking to buy a home of my own now but this issue with this {$0.00} Collection Account on my Credit Reports is reflecting negatively, which also is affecting my progress. Its been a hard, long struggle, and I just want the Debt Collection/Creditor Company to do what we agreed upon & finally move on in our separate ways!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (MO)

Complaint:
Diversified consultants placed a collection on my credit report for XXXX for XXXX XXXX XXXX return equipment fee. XXXX lost the equipment but found it when I called with a tracking/reference number from XXXX. XXXX agreed to remove the charge from my bill. I have since had to call several times about the matter and can not gain any resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Complaint:
On XXXX XXXX, XXXX and XXXX XXXX my social was given to many different banks to request credit without my authorization. I was told that it was ran ONLY one time and suddenly multiple inquiries were placed on my credit report. These inquiries were NOT authorized and when called to report them I was told they could n't be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (AZ)

Complaint:
On XX/XX/2022, I made my first purchase on XXXX XXXX credit card. This card was promoted by Synchrony Bank. The promotional offer was for 10 % discount on initial purchase. 
The XXXX XXXX store where the purchase was made told me the 10 % discount would be applied by the credit card company. 
On XX/XX/2022, I called Synchrony Bank to inquire about the 10 % discount. I was asked if I disputed the balance, I said " Yes ''. They responded that the account was now " in dispute '', and I was not required to make payments until dispute was resolved. I was told this could take up to sixty days. 
Around XXXX XXXX XXXX I received a message from Synchrony Bank. The message was a copy of my purchase receipt. No words, no explanation. 
I ask Synchrony Bank why I was being billed since the account is in dispute. I was again informed that no payment was due, and that they were investigating my claim. 
Subsequent e-mails and chats have produced no response to my claim. 
Currently I am receiving daily electronic notices and snail mail notice that " LATE '' charges have been levied against my account, as well as " INTEREST ''. 
As of today, I have not received a statement with the correct amount listed. 
Synchrony Bank offered a 10 % discount to open this account. This discount has not been applied to my balance. 
I believe this offer was not made in good faith. Synchrony Bank never intended to reduce my balance by 10 %. The tactic they are using - charging late fees, charging interest fees, are a part of their program to intimidate me to just pay and be quiet. 
I have told Synchrony Bank that I will make payment in full when they provide me with a statement that reflects all purchases and discounts that I am entitled to. 
Please look into this matter.

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 2023-08-19
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:
I sent my letter off on XX/XX/XXXX. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. 
According to the FRCA The term investigate consumer report means a consumer report or portion thereof in which information on the consumers character, general reputation, personal characteristics, or mode of living is obtained with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated the accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. And according to FRCA 15 USC 1681 everything must be accurate. I have the credit report showing the inaccuracies. 

1. XXXX XXXX XXXX Account # on XXXX is XXXX. 
2.Account # on Equifax is XXXX. 
3.Account on XXXX # XXXX. 
4XXXX reports last updated XXXX XXXX 5.XXXX  reports account was XXXX XX/XX/XXXX XXXX reports last updated XX/XX/XXXX XXXX reports last updated XX/XX/XXXX 1.XXXX reports Account # on Equifax XXXX XXXX XXXX XXXX reports Account # XXXX 3.XXXX reports Account # XXXX 4. XXXX reports last update XX/XX/XXXX XXXX reports last update XX/XX/XXXX 6XXXX reports last update XX/XX/XXXX XXXX reports Account # XXXX on XXXX 2XXXX reports Account # XXXX 3. XXXX reports Account # XXXX 4XXXX reports last update XX/XX/XXXX XXXX. Equifax reports last update XX/XX/XXXX 6.XXXX  reports last update XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
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. (MO)

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-03-16
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:
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. 

XXXX XXXX XXXX XXXX # XXXX, Collections : XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 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 7 years 15 U.S.C. 1681s - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reason cause to believe that the information is inaccurate

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 2022-10-12
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. (NH)

Complaint:
In XXXX of 2022 I submitted a validation request to XXXX XXXX. I Never received a response. I then sent Transunion a letter to either validate the alleged debt or remove to it. Transunion did nothing. This is an FDCPA Violation, FCR Violation and HIPAA violation. Ive included the correspondence as well as the 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 non-monetary relief
Consumer complaint received 2022-05-19
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. (TX)

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation