hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-05-24
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Education, LLC dba Aidvantage (VA)

Complaint:
According to the FCRA account # XXXX DEPT OF ED/XXXX Has Violated my rights. 15 U.S.C 1692g States : Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 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 consumers 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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. (VA)

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

Company response to consumer: Closed with explanation
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: EQUIFAX, INC. (NV)

Complaint:
in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX. The XXXX account # XXXX. XXXX XXXX account # XXXX-XXXXXXXXXXXXXX Has violated my rights. and reporting inaccurately. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

Complaint:
Procollect contacted me on the phone XX/XX/XXXX and told me I had a debt from a lease. I told them that I was the victim of Identity Theft and to check my credit report where I had reported it in XX/XX/XXXX previously. They told me to prove it and pay my debt and then reported me to the credit bureaus two days later as being in default. I contacted them after that and explained the situation again- they lied to me on the phone and told me they had sent me written notification on how to dispute the bill, when they had not, they also told me that it could not be IDTheft because the person submitting the lease had used all of my correct information. I spoke to the landlord and this was false they used incorrect information and different information from what Procollect told me. Procollect has been informed by phone, in writing by email, and in writing by the form on their web site this is IDTheft and they refuse to take it off or provide me with any information with which to dispute their claims. They also refuse to talk to the police and cooperate with them.

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 2022-10-07
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. (VA)

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 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 2019-09-01
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:
Today XX/XX/2019 I received an email that I had a new credit inquiry on my Experian report. According to my alert and my report, this inquiry took place on XX/XX/2019. I have NOT applied for new credit in the past year. This is a FRAUDULENT unauthorized inquiry.

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 2020-03-01
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:
I noticed erroneous information reporting on XX/XX/2019. I have contacted the bureaus to dispute as well as requested verifiable information that I was the owner of this debt. I have proof of deletion from my XXXX  credit report. This information is not reporting properly across the 3 bureaus which is negatively impacting my score. Please assist with prompt deletion

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 2021-03-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

Complaint:
My stimulus money was deposited on XX/XX/21. American Express Bluebird  will not allow me to access my money at all, I can't spend or withdraw any of it. I've tried calling customer service but all they do is hang up on me. They seem to be doing this to everyone that received a stimulus payment.

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 — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Complaint:
A letter dated XXXX XXXX, XXXX from USAA Federal Savings Bank stated a successfully paid off my balance to my motorcycle loan and I would receive my loan in the mail. I now have the loan in my name with the release of lien and still the account appears under my XXXX bureau credit report as delinquent and that I still how. This is a violation of the fair credit reporting act and demand action be taken against this institution as I am no longer liable for this account. In addition I will require compensation for this mishap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Complaint:
On XX/XX/2023 I printed a copy of my credit report from Trans Unions website. As I was looking over the report I identified some employer information that does not belong me. I have never been employed by the following employers. 

XXXX XXXX XXXX XXXX XXXX Please removed these employers from my credit report immediately.

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 2019-09-03
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: AMERICAN EXPRESS COMPANY (DC)

Complaint:
The company did not put the {$1000.00} credit card cap on the blue american express for the second card holder under my account. {$1000.00} is the cap that applies to my blue american express card at the time I applied for it and till the day it closed. Per the agreement with american express, this should have been the cap on the second card holder 's card as well. I did contact american express multiple times to ask them to enforce this cap. They did not and the second card holder was able to spend more than {$10000.00} on his card In addition, American express charged close to {$10000.00} in interest from the time the second card holder received his card to the day American express closed the account. I always pay my card in full so none of this interest is associated with my card. Now, American express wants me to pay the full amount plus interest for the second card holder 's card.This has affected my credit score since I did not anticipate this and I don't have the cash to pay it in full. Meanwhile, the interest fees keep piling up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Uber Technologies Inc. (MO)

Complaint:
XX/XX/19 - I made an online purchase to place credit on an Uber card for {$48.00} XX/XX/19 - Additional charges started appearing on my charge card ( {$48.00} + {$24.00} + {$24.00} + {$24.00} = {$77.00} ) XX/XX/19 - I attempted contact Uber. Received a recording that saidn I needed to go to their online service ( XXXX ). I sent an e-mail ( XX/XX/19 @ XXXX XXXX ) requesting assistance to resolve the above matter. 
XX/XX/19 - Additional charges started appearing on my charge card ( {$24.00} + {$24.00} = {$49.00} ). I called my bank, had my charge card cancelled and requested they investigate the fraudulent charges. 
XX/XX/19 - no response from Uber. No phone numbers to contact them. Totally unacceptable for a business in the US to have no means of contact with the public to resolve such matters. No excuse for them not to return a requested call for this type of problem -- it's as if they don't care about the {$120.00} fradulently charged to my credit card.

Company response to consumer: Untimely response
Consumer complaint received 2022-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
My name is XXXX XXXX. I have a checking account with Bank of America. And I have another account with the name of XXXX XXXX who is my son ( minor ) and I can manage my son 's account with all activities. On XX/XX/2022 around XXXXXXXX XXXX while I was driving back home, I noticed my Bank of America app on my phone was notifying, so I stopped to check and the app was telling me that there has been several unsuccessful attempts to log in to my account, so for me to log in I have to change my password and username. After doing that I found out that there was one unauthorized transfer from my son 's XXXX XXXX 's account to my own checking account with the amount of XXXX USD and to make it worse I noticed four unauthorized XXXX transfers from my checking account with the amount of XXXX USD. I immediately called the bank and they told me to change the password and the username immediately and I gave them all the information about this incident and the person who was talking to me told me that in ten to eleven business days I'll be credited with temporary amount for this occurred fraud, till this investigation is concluded. After two to three weeks I received two emails and two letters from Bank of America stating that the case is closed and that they found out that there was nothing suspicious, well in this case I strongly disagree with the Bank 's investigation. Because of the following points : 1.It is suspicious that I'll do four XXXX transfers from my account to the same person whom I do not know and when I asked the Bank about his phone number or who he is or his contact, the Bank gave me no answer so far. 
2.Usually when there is a XXXX transfer I receive a text message and an e-mail, checking my text message and my e-mail I did not find anything, and when I asked the Bank about why I didn't receive and e-mail or a text, they said that the e-mails and the text were deleted instantly. I strongly feel suspicious about this activity, transferring to the same person at the same time frame, and deleting all e-mails and texts, the Bank however should have sent all corresponding e-mails, that they've received or sent, instead of telling me that it was instantly deleted. This is highly evident that I've been a target to fraud, and the bank is not cooperating or launching a real investigation with all the their tools and means of investigation. 

In conclusion I lost XXXX USD through unauthorized transfers from my checking account. I hope you can help me to recollect my money back. 

Best Regards, 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 explanation
Consumer complaint received 2022-08-03
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. (VA)

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Public Record : XXXX  XXXX Bankruptcy XXXX Collections : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-12
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. (PA)

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2022-04-07
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. (FL)

Complaint:
Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

Complaint:
I am claiming three separate violations of regulation and guidance 1. ) Unfair & Deceptive Acts & Abusive Practices : On XX/XX/XXXX I called to use my point to purchase plane tickets. I was misquote/informed the value of my points. I was told that I had enough point to cover all four plan tickets and that I would have a balance of XXXX points after using points for tickets. On XX/XX/XXXX my points had not been applied to the purchase on the tickets and I was told I did not have enough to cover the purchase. 
2. ) Call Center Hold times : I spent 1 hour and 53 mins on the phone on XX/XX/XXXX attempting to rectify the issue. I was placed on hold for periods of time in excess of 18mins w/o the agent coming back on the line to inform me that I was still on hold. This is a tact employed by call centers in an effort to have the customer become frustrated and leave the call. Additionally, the agent misinformed me on specific facts/circumstance/protcol for accepting my formal complaint. He did not provide a time frame for resolution or review of my compliant. 
3. ) AMEX does not have a corporate compliant email avail to consumer on its homepage. In fact there is no way for consumer to get a hold of them via email outside of XXXX compliant, process or a physical address for mail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-03
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: Atlanticus Services Corporation (TX)

Complaint:
They are reporting on my credit report daily because XXXX getting notifications of it. Being done by the same company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation