hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Complaint:
I'm sending you this letter of complaint to let you know that I was a victim of identity theft. I recently looked at my credit record and found some items that are not mine. The Following Personal information appearing on my report are incorrect. Also, the following inquiries appearing on my credit report are unauthorized. I have no legal obligation with these companies nor inquired for anything as well as I have never signed any papers authorizing these inquiries. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. According to FCRA section 605b, the credit bureaus must block or delete any items mentioned in an identity theft report. To aid with the blocking of the fraudulent items that were discovered on my report, I have included some documents. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CITIBANK, N.A. (CA)

Complaint:
I received a robo-dialed call about a " legal matter ''. I called back. The representative said my full social security number over the phone and would not tell me who she was until I confirmed who was calling and why. She refused and said " tell it to the judge '' and hung up. 

I called back several times and was hung up on several times. Eventually I spoke with " XXXX XXXX '' who was the person in charge. He threatened me with criminal fraud charges, asked about my XXXX, asked about my mother, told me he knows everything about me and that he had a picture of me. He then called my mother and put her on the phone. 

At no point did the company ever say their business name, who the attorney who represents them is, or what their mailing adress is.

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 2023-03-28
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. (PA)

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

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.

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 2023-04-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Health Care Financial Services, Inc. (FL)

Complaint:
ARS ACCOUNT RESOLUTION # XXXX is violating my consumer rights by reporting negatively on my credit report. 

ARS ACCOUNT RESOLUTION # XXXX This is a direct violation of my consumer rights!! 

They are debt collectors not licensed in the state of Florida to collect debt, I've asked accounts to be removed by both EXXXX and ARS ACCOUNT RESOLUTION both have failed to removed the erroneous accounts from my report. 

This is my last and final warning before legal action is taken and LAWSUIT will be filed for violating my rights. 

I'll also be reporting them to the FDCPA as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-01
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. (VA)

Complaint:
Asked both XXXX equifax and XXXX to delete fraud inquires and accounts off my credit report and they have failed to do so after they said I would have an update with the deleted items within 24 hours and after 72hours no change I was told this twice once a month ago and recently this week the credit bureaus also failed to send me an updated copy of my credit report along with updating personal information such as name address and employer were never updated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
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. (VA)

Complaint:
I have contacted XXXX XXXX, Equifax, and XXXX credit reporting agencies regarding inaccurate information on my report. After trying to correct this inaccurate information these companies refuse to remove the information once they were told they were in violation of law. 15 usc 1681 ( a ) definitions ; rules of construction ( 2 ) ( a ) clearly states report containing information soley as to transactions or experiences between the consumer and the person making the report is excluded. According to the Fair Credit Reporting Act ( CFRA ) violation and penalties ; I can be compensated for these agencies my willfully violating my rights. These companies have caused harm. The inaccurate information lowered my credit score by not allowing me to have a fair representation and accurate information when applying for loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Complaint:
I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

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 2023-07-28
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: Experian Information Solutions Inc. (FL)

Complaint:
I recently found that there are several fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Complaint:
I disputed an account with Experian, the account was reported by XXXX XXXX XXXX for {$840.00}. Experian sent me a result stating that this account was removed from my report, but it was not. I called Experian trying to get answers, the representative was rude and unwilling to help. He insisted that this account was a updated as accurate by XXXX XXXX XXXX. This account listed on report as opened on XX/XX/XXXX, but never reported till XX/XX/XXXX. I want to know if this account was accurately reported and meets the Fair credit reporting Act requirement, then why Experian first concluded it's investigation with a result of removal and then changed it to updated?

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 2022-09-05
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. (FL)

Complaint:
Delete Late payments from XXXX XXXX XXXX from XX/XX/2022, your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
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. (TX)

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NY)

Complaint:
On XX/XX/2023, {$40000.00} was taken from my XXXX savings account and transferred to a fraudulent savings account in my name at Goldman Sachs XXXX Marcus. I did NOT open a savings account at Marcus. A few years ago I held 2 certificates of Deposit at Marcus but they matured and, as far as I knew, the accounts were closed. I subsequently learned that {$40000.00} held by Marcus was then transferred to a bank in Iowa - XXXX XXXX XXXX XXXX XXXX When I called XXXX XXXX XXXX the officer a the bank told me that she had found the deposits. She strongly suggested that I file a report with my local police department. 

see the attached XXXX statement showing the transfer of {$40000.00} to Goldman Sachs

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: World Acceptance Corporation (GA)

Complaint:
After advising World Finance Corporation of my financial difficulties due to a faulty eviction and XXXX check getting cut off, they ( World Finance began harassing/stress tactic collections ). 

Violation : World Finance used other sources point of sale terminals and tried to take money from a debit card of over XXXX due amount and then sent a letter from a different agency with a balance of XXXX. This was all after my constant and written updates of my situation. 

Headquarters stated they do not condone this type of conduct by employees and debt not owed/not in system any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
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. (CA)

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
When I tried to apply for a card, I was told that there would not be a hard inquiry on my credit report. I was told that it would be a soft inquiry instead.

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 2019-12-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

Complaint:
This company is charging me {$190.00} for ER services with Florida hospital that were paid by insurance. I have been trying to get it removed and every time I do, they update the dates. This was back in XXXX and now it says it is from XXXX and we have not been in the ER since XXXX. My son was covered under medicaid at the time and the insurance would have paid this. I would not have seen a bill for it. They are rude, unhelpful, discriminatory, and just plain mean in the matter when you call to discuss the issue. They will not send me the original bill or collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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. (CA)

Complaint:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the account that must corrected. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
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. (AR)

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$280.00} XXXX XXXX XXXX  XXXX {$750.00} XXXX  XXXX {$110.00} XXXX XXXX XXXX {$25000.00} XXXX XXXX  XXXX {$280.00} BANKRUPTCY CHAPTER XXXX XXXX {$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 explanation
Consumer complaint received 2021-04-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
XXXX XXXX XXXX am getting XXXX payments through Bank of America XXXX card which I do not like using make of XXXX because always have issue I did not want to use this card because it does not have any safe cards no chips and I am forced to use this card because there's no other way I can get my funds. I had a couple fraudulent transactions on my card I went through all proper channels filed complaints and and then my account got frozen for over XXXX and a half months that was a headache I reported the complaint they sent me a new card and they said that they could not investigate the complaints because my account was frozen but then I got a letter saying that the my complaint was closed because didn't find any evidence of wrongdoing. But why would I get the letter if they're saying that they can not investigate my account because it was frozen. Every time I call they keep telling me XXXX thing after another and they record my calls so there's proof that what I say is going on. XX/XX/XXXX I have XXXX different complaints on XXXX different cards. Claim number XXXX And claim number XXXX. Account ending XXXX XX/XX/XXXX. And also reopen the claim XXXX XXXX .. been such a headache. How can cash be taken out of atm at XXXX location and unless I have a ufo XXXX XXXX to transport me to a different atm that was used in a different town. Minutes apart.. also everytime I spoke to a agent they tell me certain things and tell me a temporary credit will be deposited in my account in XXXX  days. They record the calls so one can pull up my call and interaction with them and it will prove I m getting mislead. Listed on their site that my money and my account are protected and XXXX fraud liability.. False advertisement. I also contacted the local news channel to help me out. I can't get the medicine I need cuz my missing money and I'm on XXXX and I have a XXXX XXXX and major XXXX  issues. I'm not able to get food or basic thing I need for daily living. Bank of america XXXX XXXX cards with no protection. Easy to copy and they need to back up and do what they advertise about XXXX fraud.

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 2020-02-21
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Complaint:
Im trying to fix my credit report and it is not updated. My car loan shows different balance.

Company response to consumer: Closed with explanation