hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2016-03-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: R.M. Galicia, Inc. (CA)

Complaint:
this account is pulling my credit score by being on my credit. please remove this account from my credit file.

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 2020-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (PA)

Complaint:
Back in XXXX I booked some international flights using the rewards points I acquired from my Chase credit card. There was an additional {$180.00} required to buy the flights. Everything was paid for, in full, by me. The airline cancelled the flights due to COVID-19 and around mid-XXXX  I requested a full refund from the airline. As per federal law, on about XXXX XX/XX/24 the airline accepted the request and refunded my credit card. Chase received the funds and refunded me the rewards points portion, but has told me it needs two full billing cycles to refund the cash portion. As far as I can research there is nothing in writing anywhere that they are authorized to do this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

Complaint:
on XX/XX/XXXX I reached out to XXXX, XXXX, and Equifax via cell phone concerning credit inquiries that i did not authorize. I explained to the customer service reps that I am constantly receiving emails with offers from various credit card companies offering to extend me credit, and that if i put the last 4 digits of my social security numbers in that i could check how much credit i could qualify for without it reporting to my credit profile, But when I checked my credit report i discovered that i had in fact received hard inquires from those credit card companies. The representatives from each company ( equifax, XXXX XXXX, ) Told me that they could not me remove those inquires from my credit profile even though the FCRA says I have a right to dispute any unauthorized items that may appear on my credit profiles. These companies house our information without our permission, and when something is wrong or inaccurate they treat you like you are wrong about your information, and that there is nothing that can be done when your credit profile is being reported inaccurate. XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXXXXXX XXXX ( XX/XX/XXXX ), these inquiries was not authorized by me, i gave no one permission to access my credit profile, nor do i have any accounts with these companies who accessed my profile with out my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

Complaint:
Please see the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

Complaint:
XX/XX/XXXX XXXX The credit bureaus stated Account Name & Account # was properly investigated but how is that possible if they did not properly show me proof of a proper investigation. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, sent certified letter # XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
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. (MS)

Complaint:
Over the course of the last XXXX years I have notified repeatedly with the proper notification paperwork from Court showing that several tax lien on my Equifax report were filed incorrectly and that they were cancelled by the court Equifax repeatedly sends back saying they have verified this which is untrue because I have documentation showing this was cancelled by the court 2 years ago Equifax says they use an outside source but this is also untrue for had they look into the matter through any source they would have been told the tax lien does not exist being that it was reported on me in XXXX XXXX and promptly removed XXXX XXXX so how could they have possibly verified something that does not exist I have sent in numerous times to Equifax documentation showing this cancellation in favor of the state I have also recently received another letter from XXXX XXXX or showing that this was cancelled and that there is nothing showing in their computer system of any tax lien Equifax refuses to remove this from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Complaint:
I call ed Capital One 360 as the y instructed. They have locked me out of my funds. So when I called, they refused to help me! My son h ad a Capital One 360 acco unt in the past. I live with my son and so we have the same address, phone number, etc. We also sound alike. Because of this, they say that they do n't believe who I say I am even though I answered their security questions. They claim they listened to old conversations of my son and I sound like him. Well, there are old conversations of me on file and I bet that I sound like me but they never mentioned that. They just hung up on me. I just want my $ 400+ dollars out of that account so I can be done with these  XXXX ! There 's nothing I can do about the way my voice sounds!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
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: Experian Information Solutions Inc. (CA)

Complaint:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft

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 2022-03-01
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. (NY)

Complaint:
I am a victim of identity theft. DEPT/OF EDUCATION/XXXX Has fraudulent accounts on my credit profile that needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (NJ)

Complaint:
I have been a Discover card member since XX/XX/2010. Today, I learned that each month, I have been getting charged for something called " Discover Payment Protection ''. This charges my card based on my current balance, and is currently averaging about {$60.00} per month. Over the past 8 years, these charges equal thousands of dollars. 

I was NOT aware of this " service '', and however I was signed up for it, it was not to my knowledge or with my explicit consent. The " service '' was never transparently presented to me, and Discover is unable to provide the documentation that kicked off the service for me in the first place. 

There was a lawsuit over this very issue, but Discover has since changed their policy to only refund 6 billing cycles worth of these " service '' charges ( as opposed to the full refunds that consumers have gotten previously ). I spoke to various people in this department of Discover, and all said that there is nothing they can do beyond the 6 billing cycles. They all kept reading from the same script, and not directly addressing my concerns. They claim that the monthly charge being included in my account activity and " newsletters '' are enough to notify me that I had this service. 

If you do not check your account activity, or do not read newsletters from your credit card companies, there is no other was to know this is happening. 

I feel that this I was signed up for this deceitfully and I am owed all of the money that has been charged to me since XX/XX/2010, not just in the past 6 months. I am truly considering leaving Discover and taking my business to another credit card company who doesn't use these low bar tactics to make money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

Complaint:
Equifax allowed a business that I was disputing to change the address on my credit report. I found this out because I requested a copy of the dispute and they said I had to send in two forms of ID through the mail. I refuse to do this because it is their XXXX up and they broke the law by allowing someone else besides me to validate and/or change my address. They also allowed this company to validate a fraudulent account that even if by some strange coincidence they were able to legally validate a fraudulent account it was still a breach of contract because I never agreed with the parent company to sell my personal information to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc (FL)

Complaint:
I made a purchase of an item through a webpage called XXXX and they only allowed me to use PayPal for the item. I found out the website was fake and when I tried to communicate with them by email ( 6 times ) and never got an answer back. I submitted a claim with PayPal and they denied it saying it was a billing dispute. XXXX opened up an investigation and gave me a credit on my account for {$390.00} the amount I paid for the computer i never got. The next day PayPal also sent me my money back, Im assuming it was because XXXX inquired about my complaint. After a week or so I called XXXX  back to ask them to take back the credit they gave me as I had received my money back from PayPal. Now Im getting emails and phone calls from PayPal telling me I have a {$390.00} deficit on my account and they froze my account until they receive {$390.00} payment. 
I called XXXX and was told someone canceled my complaint with XXXX  and thats why XXXX has not returned PayPals refund. I spoke to XXXX Bank again yesterday ( XXXX ) and they researched the entire process and said I've done nothing wrong and i don't owe PayPal anything that they received there money back. I tried numerous times to talk to PayPal " Limatatons '' department they put me on hold and never come back! I honestly don't know what to do now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC. (OK)

Complaint:
I have already submitted a 2 complaints and you closed one and said the other was a duplicate. Now 3 I have submitted for XXXX XXXX Suntrust account XXXX opened on XX/XX/XXXX and closed on XX/XX/XXXX regarding my {$10000.00} that they have continued to keep. See my attachments. First they were sending it in 15 days and then the second letter after you contacted them said they would be issuing the check on the XXXX of XXXX. Well, I just called them and they said they were going to continue to hold it. Now, I have tried with you and them. I have now hired a team of attorneys to get my XXXX plus all the damages we have accrued since the account was closed. And, boy are there some damages. Finally, I will get my money through the courts. I tried to tell you people that they sent my money to a money market account ... .and they did! I tried to warn you about the 3000 complaints against this bank. I just want my money and I want them to pay for all my damages that we have accrued because of them and pain and suffering we have been through ... you can't imagine, but you will see soon I ' very certain. You should have got my money back, but you canceled my claim and the 2nd one. 

We will see what a judge says ... because I will not stop until I feel better about being victimized by Suntrust bank and those whom could of stopped this massive misuse of my funds! It's criminal!!! 

We were smart enough to have witnesses on today 's conversation with Suntrust ... can't wait to get our money back we have had to eat beans for a month and my wife could not go to the doctor and see is very sick. You people should be ashamed!!! 

XXXX XXXX Good Luck!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
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 (CA)

Complaint:
Point of Grievance : Bad faith business, and seeming " bait and switch ''. AmEx XXXX XXXX promo offered XXXX XXXX XXXX points with a {$2000.00} spend within the first 3 months of signing up. This was *not* honored. 

XX/XX/XXXX - I called American Express with interest in signing up for the XXXX XXXX card. I wanted to know whether I'd a. ) be able to receive the bonus and b. ) if, when I sign up I'd be able to receive the card number to make a purchase immediately. I was told a. ) yes and b. ) they can't guarantee whether I would receive a card number immediately as it's system generated. They asked if I'd like to sign-up over the phone and I told them no, that I would do so online. 

I signed up -- there were no pop ups stating I was not eligible for this promo. Immediately after signing up I signed up for a XXXX XXXX number and after, receiving the card number, on XX/XX/XXXX I booked a weekend at the hilton for over {$2000.00}. 

The card was paid off in full after receiving the first statement. I only have three cards with American Express. I don't " game '' the system and all cards are active and used base on the situation. 

It has been numerous phone calls with AmEx with no resolution. If I was ineligible for the promo I should have been told before my credit was pulled and before I spent any money on the card or hotel. Further -- I should be told exactly why I can not receive the promo. The best I've received is that " it is declined ''. 

This is bad business. It's business done in bad faith if AmEx can not be transparent. And it borders on fraud if it's a " baith and switch '' which is very much seems to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22
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: Experian Information Solutions Inc. (CA)

Complaint:
the following companies are not entitled to check my credit history, it is not authorized, I never received any correspondence from them, I don't have an account with them and therefore must be deleted from all my credit reports XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX., XXXX XXXX, XXXX , XXXX XXXXXXXX

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 2022-07-13
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. (IN)

Complaint:
In accordance with the Fair Credit Reporting Act, the following XXXX Accounts below have violated my rights.

15 U.S.C 1681 section 602 A states that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. 

Account Name Account Number 1. XXXX  XXXX XXXX XXXX XXXX 2. XXXXXXXX XXXX XXXX XXXX 3. Us Dept Ed XXXX 4. Us Department Of Edu XXXX 5. U S Dept Of EdXXXX XXXX 6. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
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. (PA)

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 XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
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. (DC)

Complaint:
XXXX is a cut throat loan service provider. I would not recommend them to anyone. They dont offer a grace period and instantly report to your credit score. In XXXX of 2019, i informed the branch that I would be paying the balance off in full because of their predator interest rates. I sent payment for installment loan to be paid off in full by XXXX XXXX XXXX XXXX. However, XXXX XXXX still reported a missed payment on my account for the month of XXXX. When I call the number listed on my credit report, they say they have no records of the account and the accuracy of the credit report. I have no been able to get a solid answer or verification from the company. This runaround has been a complete inconvenience to my life

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