hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-04-24
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Square Inc (VA)

Complaint:
On XX/XX/XXXX I noticed that there were XXXX worth of {$5.00} charges on my XXXX XXXX  account from CashApp. I emailed cashapp immediately since there are no numbers to contact cash and made them aware of these fraudulent charges taken from my bank account thru cashapp. I also reached out to my Bank to cancel all cards and report the fraud. Cash app responded on XX/XX/2020 at XXXX thru email requesting screenshots of the unauthorized charges on my account as they could not see the charges in my cashapp. I responded immediately at XXXX sending them 19 screenshots of the unauthorized charges. I recieved a responds from cashapp on XX/XX/2020 at XXXX confirming that the unauthorized charges we not made from my account and I need to reach out to my bank. I called XXXX immediately and they reached out to there fraud department. They stated there's nothing they can do after talking with XXXX I email cashapp immediately to ask if my money will be refunded and they keep directing me to my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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: EQUIFAX, INC. (FL)

Complaint:
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 2020-04-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (PA)

Complaint:
Creditor cant prove the my driver license is accurate its another person face on identification card isnt me please have company show of identification is accurate

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 2020-05-08
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Utah System of Higher Education (UT)

Complaint:
I brought my loans to an active status and it was suggested by UHEAA that I consider consolidating my loans. I elected to do so. In 2018 I consolidated my loans with XXXX as it was a " sister '' company wit UHEAA and located here in Utah, locally. I recently had my credit report pulled to prep to purchase a new home. There is a report on my credit dated in 2018 just before I consolidated my loans, causing my credit score to have a pretty substantial hit. I contacted XXXX to figure out what it was. They informed me that it was a hit from UHEAA, who I contacted immediately. UHEAA stated that as the account was closed and paid, as part of the consolidation, which they recommended, that they " could not do anything about the hit '' on my credit report. I plead my case, stating that I did everything they asked, got my accounts current, consolidated on their suggestion, and they are still dinging me on my credit. This hit, which was done while I was consolidating, and I would not have been able to consolidate if there was any delinquency on my account, is preventing me from securing a much better financial situation to purchase a new home. 

Again, I plead my case to UHEAA, who repeatedly stated there was nothing they can do. This does not make sense as they are the entity who applied the hit. Again, I did everything as they asked and complied with their programs. I need this hit removed so that I can continue to move forward in providing for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
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 — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Complaint:
I have disputed this account and have reached out to the XXXX XXXX times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditor can not report payments as past due, and make proper accommodations to consumers. 

I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2022-08-29
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. (KY)

Complaint:
In accordance with the fair Credit Reporting act XXXX account # 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 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 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Complaint:
XX/XX/2021 I contacted TransUnion to remove inaccurate address on my credit report.The information is still on my credit report

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 2018-03-05
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: HUNTINGTON NATIONAL BANK, THE (OH)

Complaint:
Huntington Bank Voice MasterCard XXXX XXXX deception. 
We have a Voice MasterCard issued by Huntington Bank and at the time we signed up for the card we were told it covered any rental car damage not covered by our insurance. We had a minor accident with a rental car charged on our Huntington Voice MasterCard. The total damage was {$360.00} and {$110.00} was paid by our insurance company, leaving a {$250.00} deductible charge that should been covered by our Huntington MasterCard.

Our bank Relationship contact told us we were covered and just file a claim. After trying to file the claim it was rejected. We have talked to many people at Huntington including the branch manager and called the manager of the Huntington Voice MasterCard credit card division, none of whom had any knowledge that this card did not cover car rental damage. 
Attached is a copy of the " XXXX XXXX '' given to customers to file claim. On this XXXX XXXX   letter it even specifies to " decline the collision/loss damage waiver offered by the car rental company ''. Attached is a copy of the unpaid {$250.00} deductible bill that I had to pay. 
I am sure that somewhere buried in the vault of Huntington there is a document that says that there is no coverage, but this is clearly a very deceptive and unfair practice and should be put to an end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
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: Experian Information Solutions Inc. (NV)

Complaint:
As far back as XX/XX/2021, I've been writing to XXXXXXXX XXXX  for information about this debt with NO response ( see attached letters with fax confirmations ). I even asked the bureau to investigate the account, and they didn't respond to me either. When it comes to collection agencies and credit bureaus... one lies, and the other ones swear by it! XXXX months has been long enough. I want this account deleted!

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 2023-04-08
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. (NY)

Complaint:
The following accounts are not mine and need to be deleted from my consumer report. 

The following accounts are against law 15 U.S.C. 1681 602 A states I have a right to privacy.15 USC 1681 604 A SECTION 2 : also states a consumer reporting agency can not furnish a account without my written instructions These accounts are in violation of this law and needs to be deleted from consumer report. 

XXXX XXXX inquiry XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX inquiry XX/XX/XXXX ACCOUNT XXXX XXXX XXXX OPENED XX/XX/XXXX is not mine.please delete from consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
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. (PA)

Complaint:
I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law XXXX, title XXXX, XXXX Stat. XXXX XXXX XXXX XXXX FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$380.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$660.00} Account Name : XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$650.00} Account Name : XXXXXXXX XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$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 2023-03-14
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. (UT)

Complaint:
CONSUMER CREDIT REPORTS DO NOT FIT MY STANDARDS.

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 2023-05-25
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. (NJ)

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), Equifax must check this item ( A ). It is unacceptable to list this item as information without verifying it within the legally mandated time frame. I require an investigation, a correction, or a removal of the account on my credit report. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-14
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: TENET HEALTHCARE CORPORATION (FL)

Complaint:
To whom it may concern : I am disputing the following accounts as an affidavit, I have contacted the state attorneys office, The FTC, filed a lawsuit against your company for falsely accusing me of owing your company, using my credit file without my consent which is violating my rights and several sections in The Fair Credit Act. 
XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # xxxx I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any documentations of any contractual relationship between name of company and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract you must cease and dismissed any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the state bar association and professional liability found for code of ethics violations. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

Complaint:
My identity was used to open an account at Citi Bank. I informed Citi Bank that my information was misused and they still sold this debt to XXXX XXXX XXXX, XXXX. This is illegal. It needs to stop. I researched the Federal Trade Commission and Fair Credit Reporting act. These practices violate the laws congress enacted to protect the consumer.

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 2018-11-12
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: CL Holdings LLC (FL)

Complaint:
XXXX XXXX is supposed to be removed it was paid and I was told years ago it would be removed. I attached a paid in full letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nicholas Financial Inc. (MD)

Complaint:
I have submitted a certified letter to this creditor requesting validation of this debt and I specified please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. This creditor failed to provide that documentation. The only information they sent was my name, the account number and the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Complaint:
For my credit report with Experian, XXXX & XXXX on XX/XX/2021 my credit score dropped by 83, 85 and 81 points respectively. I have currently 2 open credit accounts ; one with XXXX XXXX XXXX  for an auto loan and one with XXXX XXXX XXXX for a credit card. I am in good standing with both lines of credit and have NEVER missed any payments. I have 10 closed accounts in which none of them have been closed recently. I have 3 credit inquiries with the most recent one being in XX/XX/2021. I additionally have no derogatory marks on my credit. My credit card balance as of XX/XX/2021 was {$1800.00} but I have since paid off that balance in full which is well before the due date of XX/XX/2021. As I mentioned before, I am in good standing with every lender and I have never been late or missed a payment of any kind. I believe this was an error by Experian, XXXX XXXX XXXX and my credit score should be returned to what it was in the previous credit report.

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 2023-02-16
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:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX Inquired on XX/XX/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 2020-09-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (MA)

Complaint:
HI. Debt Recovery Solutions LLC- HOW ARE YOU? 

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation