hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Complaint:
Re : Bank of America. 
I went through financial hardship summer of 2020 I was late on payments but I never went a month without paying. BOA reached out to me and I told them what was happening that I was having financial hardship. I was told they would deferred my payments for 3 months and that I didnt have to make a payment until XX/XX/2020 I asked the representative are you sure and she said yes. Three months I saw that BOA went on my credit score I called BOA and they said that they sent out an email to me stating that I should make payment which the representative said it was the interest charge. I told her that I always get emails but I dont necessarily read them. I am now paying a high interest rate and my credit score is beyond messed up. Can someone please help me.

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 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Complaint:
Fraudulent inquiries and inaccurate account information

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 2022-05-18
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. (MS)

Complaint:
Called companies XXXX XXXX XXXX XXXX about incorrect information & fraudulent activity. Also called XXXX about incorrect information and fraudulent activity. 

Called Comenitycb/overstock about incorrect information and fraudulent activity. Called XXXX  about this also. 

Placed a creditlock with XXXX. 

XXXX placed a fraud alert on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Complaint:
I have been receiving calls from XXXX XXXX XXXX XXXX XXXX stating that if I did not return a call that I would be served with a complaint and sued. I called the number a guy said that he was collecting a debt from Bank XXXX from XXXX and that the last payment activity was XXXX. I said no that is was incorrect. Please to stop calling me and they have continued to call and now a new collection account has been placed on my Transunion credit report in the amount of {$570.00}. I disputed it with Transunion. No other credit bureau is reporting this. 


I have heard from other victims all over the country who are dealing with the same issue.

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 2019-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (CA)

Complaint:
When I pulled my credit report last week, I noticed a few accounts that are reported inaccurately. I would like to refinance my Mortgage in a few months and these inaccurate accounts are pulling down my credit score. I need to see a new report that shows the differences in the accounts I applied for a credit card with XXXX XXXX yesterday and was denied. Im assuming itss due to my credit score ( and the scores low because of the accounts ) XXXX This account needs to be deleted because it is reporting inaccurately. this account Date last active was re-aged from XX/XX/XXXX to XX/XX/XXXX. How can this account be re-aged if it was reporting once as a discharge through bankruptcy chapter XXXX? this is reporting fraudulently and needs to be deleted from my credit report. 

I have attached proof with credit report that I have pulled from XXXX to current

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
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. (GA)

Complaint:
In accordance with the fair reporting credit act ; The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts : XXXX XXXX {$680.00} - - -No Data XXXX XXXX {$680.00} - - -No Data XXXX XXXX {$680.00} - - -No Data XXXX XXXX XXXX XXXX {$700.00} - - -No Data XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 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 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 15 USC 1681 Section 602 A. States I have a right to Privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 USC 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 non-monetary relief
Consumer complaint received 2020-12-30
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. (TX)

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2022-09-11
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. (MD)

Complaint:
As a pervious report stated this account reported is FRAUD and yet it is still listed on me report. I have filed a complaint on two separate occasions with the FTC and the local police department. This time around I have retained an attorney and they advised me to file the complaint once more and stating the obvious involving fraudulent accounts listed on a credit report. They said they investigated but the evidence provided was a receipt that is not at all validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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. (NJ)

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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: Experian Information Solutions Inc. (NC)

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2018-04-16
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: TD BANK US HOLDING COMPANY (NV)

Complaint:
On XX/XX/XXXX I was a victim of Identity theft, someone had, opened over 7 accounts in my name one was XXXX XXXX XXXX XXXX XXXX. I do not know when the account was opened or, type of account I am assuming it was a credit card of services. I also contacted XXXX XXXX XXXX by certified letter, and also filed a police report, and a Identity theft report as, well as spoke to all three credit companys about the Identity theft, there was a block placed on my credit report. I am still trying to recover from this event that has shook me to my core. XXXX XXXX XXXX XXXX XXXX  did not remove the hard Inquiry that was placed on my credit report with XXXX XXXX XXXX  they placed the Inquiry on my credit report onXX/XX/XXXX. I again am shocked that this is happening, and it is taken a toll on me mentally, and physically. To this day even after I placed a Identity theft alert on my credit report, I have two more Inquirys placed on my XXXX credit report XXXX XXXX XXXX XXXX date XX/XX/XXXXthat was not autherized by me, and XXXX XXXX XXXX XXXX   also pulled my credit report from XXXX on XX/XX/XXXXI have to go to the social security office to change my social security number do to the outstanding damage this is causing my credit, and Identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$670.00} XX/XX/2020 15 U.S.C , 1681section 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 an 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 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 non-monetary relief
Consumer complaint received 2022-03-31
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: MacDowell & Associates, Ltd. (GA)

Complaint:
This debt collection has been going on for XXXX ( XXXX ) years. I have repeatly ask them to stop filing garnishments on me for a debt that I do not owe, and for XXXX that they never sent or produce a bill pertaining to the date. Instead, every 5 to 7 years they continue to file this in the courts. This is causing problems with my employment and adding stress to my life. In XXXX I received notice that they would not file the case was dismissed, also in XXXX ; however, now in XXXX here we go again with the same fradulent file. As of this date, they still have not produce a copy of a bill as I have repeatedly ask them to forward to me. This is a problem that I will differently take to every level I can to stop these types of actions against me, for 20 years of harassment and never producing proof of a debt is just totally illegal practices and I have repeatedly ask them to stop of provide proof of a bill and a letter of intent that I received concerning the so call debt. Why would you mail someone a letter saying you dismiss it and then you do the same thing in a few years.This is obvisously, some lawyer debt firm that buy someone name and then harrass them pertaining they are working for the company. They are claiming they represent XXXX XXXX XXXX, when the company knows nothing about a garnishment being filed on me. There is no documents because I never receive a bill from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17
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. (OR)

Complaint:
I contacted Experian, XXXX and XXXX in XXXX of 2021 to ask them to properly verify information that was being shown incorrectly. The dates my account was late is entirely inaccurate. This account was closed months before the Charge off. 

I will assert my right to arbitration to remedy the credit bureau 's failure to furnish accurate information. It is my right at this point to have this information deleted from my credit report. 

If Experian, XXXX, and XXXX fail to do their part again, I'm ready to sue in small claims court because of my legal standing under FCRA.

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 2023-07-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Complaint:
According to " A Summary of Your Rights Under the Fair Credit Reporting Act '' : You can dispute inaccurate information with the CRA. If you tell a CRA that your file contains inaccurate information, the CRA must investigate the items ( usually within 30 days ) by presenting to its information source all relevant evidence you submit, unless your dispute is frivolous. The source must review your evidence and report its findings to the CRA. ( The source also must advise national CRAs- to which it has provided the data- of any error. ) The CRA must give you a written report of the investigation, and a copy of your report if the investigation results in any change. If the CRAs investigation does not resolve the dispute, you may add a brief statement to your file. The CRA must normally include a summary of your statement in future reports. If an item is deleted or a dispute statement is filed, you may ask that anyone who has recently received your report be notified of the change. 

It has been more than 30 days and TransUnion has instructed me that it is not their job to investigate when " 15 U.S.C. 1681-1681u '' states otherwise.

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 2022-05-03
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. (MI)

Complaint:
in accordance with the fair credit reporting act XXXX  account # XXXX ( XXXX XXXX ), XXXX XXXX XXXX  XXXX  # XXXX, XXXX XXXX has violated my rights. 

15 U.S.C 1681 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. 

XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX  ( XXXX 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 2023-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KY)

Complaint:
I used XXXX to transfer money directly in my account and the account shows the balance however it wont update the availability of the balance so I can use my money, my money has already left my XXXX and already in my usaa checking account but usaa isnt giving me access to this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CREDICO. INC (SD)

Complaint:
Credit Collections Bureau is attempting to sue me on a debt that is my father 's debt. I called the original creditor and they confirmed this. When they went to file suit they did not provide any documentation that the debt was mine. Only the legal assignment to the courts. I am infuriated. XXXX, the account rep, was very rude when I figured out that I may not owe this. She told me that there is nothing that can be done until they hear it from the original creditor. Credit Collections Bureau is not a nice place to do collections. They are very rude when you try to settle or tell them they need to wait while I figure something out. I am looking into an attorney because the way they are treating me is not okay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

Complaint:
Bankruptcy reporting on credit file should not be reporting, I supressed all public records from being viewed on my credit file. The Credit Bureaus received public records information from XXXX XXXX. I opted out from reporting. This information. Should to be verified once disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
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. (NV)

Complaint:
I have contacted the collection agency XXXX XXXX XXXX directly, as well as, XXXX, XXXX, and Transunion since XX/XX/2019 disputing the error that is being reported in the amount of $ XXXX.This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.

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 2022-07-07
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (IL)

Complaint:
I am getting calls that I owe a payday loan debt I dont know about.

Company response to consumer: Closed with explanation