hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Complaint:
we have done everything to get credit on track we pay down credit cards pay loans on time remove major debt and yet credit scores stay same or do major 30pt drops with no explanation other than old issues that score have raised since. the credit system is biased against us as young XXXX couple that have only had 4 blips one 12 years minor incidents no late mortgages or auto. I know XXXX  couples who have filed bankruptcy and still have 700+ scores. something needs to be done.

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 2023-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (FL)

Complaint:
Credit Reported Date : XX/XX/2022 Company : XXXX Amount {$340.00} Date : XX/XX/2022 Collection agency Name : Sunrise Credit Service Sunrise Credit Service reported to my account that I have unpaid balance that they took over in collection that doesnt belong to me. I never even had that cable company in my name and its been reported as 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 2019-11-07
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. (TX)

Complaint:
Experian is incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this issue, however I have not been successful.

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 2019-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (IN)

Complaint:
On XX/XX/2019 my Social Security XXXX check was deposited into my PNC checking account. By XXXX there was only {$1.00} in my account so I called PNC customer service any they explained that XXXX XXXX out of Louisiana had withdrew {$850.00}, from my account. 

I ask customer service how and why and with a few more questions from customer service it was soon realized that I had been part of a scam with someone claiming to be XXXX XXXX XXXX. 

I was applying for a loan with XXXX  XXXX XXXX or should I say people I thought were Cash Net XXXX. 

Customer Service put a hold on my account and on my debit card and advised me to get to the bank ASAP to close the account and the debit card. 

I was at PNC Bank, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX IN XXXX, XXXX, within 2 hours. I met with XXXX, who closed my account and opened a new account, cancled my debit card and issued me a new debit card. Ordered new checks, and filed a report. I explained I would be filing a police report and would return with that report when it was ready. On Tuesday, XX/XX/2019 I returned to PNC bank with the police report and turned it into XXXX assuming she would file it. 

On Tuesday, XX/XX/2019 I contacted PNC Bank and spook with XXXX XXXX questioning as to why my checks had not arrived and what was the statis of my complaint. According to XXXX there was no follow through on XXXX 's part, no checks were ordered, no complaint was filed, no one had any idea what had happened to my police report. Again I returned to PNC Bank and re reordered my checks and finally filed a report with XXXX. XXXX saw no need to have a Police Report, I brought a police report by on Wednesday evening anyway. 

By XX/XX/2019 PNC Bank had resolved that I am not intited to any type of refund. I am disputing this. I have never had any contact with XXXX XXXX. The check is a fraud because it is not my signature and looks nothing like my signature. I never saw this check until XXXX showed it to me as part of the investigation into the scam/fraud case. 

XX/XX/2019 started like any other day with my Social Security check being deposited, it is the money I have to live on all month long and by XXXX that money was gone. It was gone because XXXX XXXX of Louisiana, a company I had never done business with had decided to electronically take it from my bank account. Please help me restore that money to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
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. (CA)

Complaint:
Hello and thank you for your assistance in advance with this sensitive request. 

I have been a victim of fraud and placed a fraud alert on my credit reports with all three bureaus on XX/XX/XXXX. The fraud began in XXXX apparently and I have since tried to take precautions on protecting my credit from being compromised from unauthorized accounts and inquiries. I have paid over {$420.00} to credit monitoring websites and to certifying and notarizing documents to send to each credit bureau and the creditors with no luck. 
On XX/XX/XXXX, I submitted to all three credit bureaus a signed and notarized document and certified it to XXXX, XXXX and Trans Union. On XX/XX/XXXX, I received confirmation that all three credit bureaus, XXXX, XXXX  and Trans Union signed for my certified documents. In compliance with the Fair Credit Reporting Act of 15 U.S.C. 1681, Section 611, the credit bureaus have 30 days from receipt ( XX/XX/XXXX ) to  investigate and/or remove and block the fraudulent accounts/inquiries. 

It is now XX/XX/XXXX and there has been no response or update on my credit report honoring my request to remove the unauthorized and fraudulent inquiries from my credit reports. This unresolved issue is hindering me from being able to apply for a new home loan and a new car so that I can be able to provide for my family. 

I am requesting the help of the Consumer Financial Protection Bureau to resolve this urgent matter and be done with this once and for all please.

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 2022-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (FL)

Complaint:
- XX/XX/XXXX - Phone call - ( XXXX XXXX ) I called the Barclays customer service as XXXX and spoke with representative XXXX XXXX 

During the call I spoke to XXXX about my concern that my early payments where not being accounted for properly and that there was something strange with my account. Please note how Barclays focus shifts to some occurance with XXXX and not my initial problem. 

XXXX said " There is some discrepancy beginning from XX/XX/XXXX '' and that there was an ERROR and she would open a case to be investigated ( Case ID # XXXX ). 

-- -- - XX/XX/XXXX - Phone call - ( XXXX ) Checking on case - No update. 

-- -- - XX/XX/XXXX - Official letter - Letter from Barclays ( attached below ) - Mentioning " We recently identified an error in which you did not receive the correct miles on your card account '' The letter states that there was an error. Vaguely explaining, what the error was and when the error was made. Stating that Barclays had : " calculated the correct number of miles and that they would be reflected on my account. '' -- -- - XX/XX/XXXX - Phone call - ( XXXX ) Called Barclays and spoke with XXXX ( Employee ID : TICMRP ) to understand what was happening with my account and to be updated on CASE and understand Letter received by Barclays. 

After saying there was no visible error, he spoke with a specialist, and confirmed that " it will take 1-2 billing cycles for it to be resolved ''. Contradicting the letter in the mail and XXXX 's initial ( CASE XXXX ). 

I was transferred to the supervisor woman named XXXX ( Employee ID : XXXX ) to understand If she could help me. She Assured me that the letter was sent out by accident and that there was no visible error on the account. 

As of that moment I decided to pay the full account balance with XXXX ( Employee ID : XXXX ) to have more details on the record and in the near future close my account. 

-- - XXXX XXXX - Formal Complaint to CFPB - After not being able to understand I am writing this formal complaint before having to get lawyers involved.

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 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KS)

Complaint:
I have no idea how these people could open an account without me being there. They have showed me no proof that I was there ( I was not, I was hundreds of miles away ).

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 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
I appreciate your assistance in removing some of the fraudulently obtained data from my credit report, but there is still information that has been passed along that has to be deleted or blocked. Credit Bureaus are required to delete any records listed on an ID THEFT REPORT in accordance with FCRA segment XXXX of the law. I am including this report again because I proactively remembered it from a previous correspondence. My attorney is eager to hold you accountable for your obstinate rebelliousness now that they are aware of my intentions and what I intend to accomplish. 
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 XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX AV XXXX XXXX, NY XXXX ; XXXX XXXX  XXXX XXXX Balance XXXX {$610.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX  XXXX Balance : {$33000.00} ; XXXX XXXX XXXX Balance : {$6500.00} ; XXXX XXXX  XXXX Balance : {$8700.00} XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-14
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: EQUIFAX, INC. (TX)

Complaint:
I initially disputed these accounts with all 3 credit bureaus on XX/XX/2020. XXXX  is the only credit bureau that removed the fradulent accounts. I am very confused on why XXXX  and Equifax didn't remove the accounts when they all verify with the same creditors. It has also been over 60 days and the credit bureaus have not completed an investigation. I was always under the impression that the credit bureaus have 30 days to complete an investigation. According to 611 ( a ) if the credit bureaus do not complete a proper investigation within 30 days then the accounts should be automatic deletion. This definitely applies to my case. I am also a victim of the Equifax data preach and my information could've definetly been placed in the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (TX)

Complaint:
I reached out via phone to TD Auto Finance in early XX/XX/2019 to seek a payment extension as I knew it would be tough for me to make the next payment given the substantial money Ive spent trying to repair my flooded moldy home in Houston. I took the action they required, which was to pay the accrued interest to effect the payment extension. TD claims I should have mailed in a signed paper as step 2 to  effect the agreement. The attached shows that TD confirms on pg 1 that paying the interest is whats needed to effect the agreement. Pg 2 changes it to say sign here. In short, TD reported the account 30 days late which caused all 3 of my FICO scores to decline XXXX points. Ive begged them to not apply this false 30 days late and they refuse to even consider admitting their negligent error. 

Unfortunately, Ive been through this with other lenders and none has ever required a document to me sent in : XXXX XXXX, XXXX XXXX etc. matter of act, those lenders have never required the accrued interest be paid either, but thats not my complaint. 

Ironically, Ive sent TD Auto 2 payoff checks in certified funds, and they have yet to apply either check despite having the checks for over 7 days. TD clearly has operational issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (MI)

Complaint:
The bank closed my accounts, they sent a letter asking me to call to find out why. I called and spoke to some very rude girls who refused to give me any info and said I had to call the branch. I called the branch and was told by the manager he had no information why it was done and said I had to call back the number on the paperwork. I do so and was again treated extremely rudely. I was coerced to dispute a transaction that was valid causing my fraud claim to be denied. the transaction was done before the card got lost but posted after. No one I spoke to seemed to understand this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Complaint:
Bank of America I noticed an inquiry on my credit report and the next day received a checking account statement for an account which I did not open.

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 2020-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Complaint:
I received an email on XX/XX/XXXX from CapitalOne stating that they were decreasing my credit limit on 2 credit cards. One by 60 % and the other by 80 %. I have been a customer with one of those cards for 17 years. I have had zero late payments. I called customer service because I am also in the middle of refinance and its not clear if their decision will affect my closing date. CapitalOne is saying their is nothing they can do. I escalated to management and the same was said. This will affect my good credit score of XXXX. They've said that my letter explaining in more detail is in the mail, the only explanation in the email states that's its because I'm not using enough credit. In the past I've never had my credit reduced, if anything over the years it's increased without me asking. This also puts consumers at risk with its poor business practices, this will decrease my credit. Additionally, if I close these credit cards that will take an additional hit on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (NY)

Complaint:
Before my lease was expiring on XX/XX/2020, I called XXXX XXXX XXXX inquiring how to return the car due to COVID-19. This was 10 days before the virus peaked in the state of New York. I offered to  drive the car to the dealership but was informed that the appropriate department was closed due to the pandemic, there were no options to return the vehicle at the time and I was to keep the car and will be contacted for safe home pickup when the situation allowed to. I was also informed that I was not responsible for the situation and therefore will not be penalized by any means. I tried to make more phone calls throughout the month of XX/XX/2020 but the companies were closed completely due to Covid-19 and the offices were not answering my calls. On XX/XX/2020, the car was picked up after the Chase Auto group contacted me for a home pickup- like I was told they would. 
Shortly after, I received a bill from XXXX XXXX XXXX XXXX dated XX/XX/2020 stating for {$3500.00} A late payment has been reported the credit bureau by CHASE Auto Finance, causing severe damage to my credit. 
Their attempt to charge me this bill is a slander to my credit and an actionable law. 
I have made numerous phone calls to the customer service department and auto loan credit department at CHASE auto Finance and XXXX XXXX XXXX XXXX. I have put in numerous requests to speak to managers ; the request was to be answered within 48 hours. Each time, a manager failed to call me back. Account supervisors also asked to call me back after reviewing my case. Until today, I have not been called back by neither XX/XX/2020 XXXX ( ID # Unknown ) nor XX/XX/2020 XXXX ( ID # XXXX ) nor XX/XX/2020 XXXX  ( ID # XXXX ) nor XX/XX/2020 XXXX ( ID # XXXX ) and more. Almost all of these requests have passed the 48-72 hours request time which the managers/ account specialists needed to review the case and call me back. I provided them with back up phone numbers in case I missed the call but the calls were never even made. 
This has affected my credit majorly, which will cause me more issues in the future. The customer service has been horrible and unwilling to help with this outrageous bill. 
CHASE Auto Finance and XXXX XXXX XXXX XXXX will be held responsible for the damages, as well as punitive damages and misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

Complaint:
I was sent a bill thats is fraudulent.I have not received any bills from XXXX that I havent paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
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. (TX)

Complaint:
I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF TRANSUNION NEEDS AUTHORIZATION TO PROCEED, THEN I GRANT TRANSUNION MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to XXXX XXXX XXXX ( XXXX ) ( XXXX ) under the XXXX. I have filed an identity theft report pursuant to XXXX XXXX XXXX ( XXXX ) ( XXXX ). Just an XXXX : I understand pursuant to XXXX XXXX XXXX ( XXXX ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to XXXX XXXX XXXX XXXXXXXX. Aggravated Identity theft carries a criminal liability of up to XXXX years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXXXXXX XXXX XXXXXXXX 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 2020-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
XXXX and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX   account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account that has a balance of {$0.00}. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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