hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-07-04
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. (PA)

Complaint:
I have noticed that XXXX has placed XXXX unauthorized hard inquiries on my credit report. I have not given any lawful consent for any of the credit reporting agencies to furnish any negative information on my report. This is my written consent to opt out of any furnishing of any non public information including inquiries hard and soft. These inquiries are to be removed immediately. An identity theft report has been attached, and a police report has been filed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (NJ)

Complaint:
My TD Business bank account was closed in XXXX due to their own random suspicions. I was told I'd get a letter in the mail with a cashiers check. It was never received and I've visited the branch multiple times and have been left hanging. 

The name of my business, " XXXX XXXX XXXX ". 
My account was closed with {$22000.00} in it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13
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: Experian Information Solutions Inc. (FL)

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need this account deleted or updated. 
Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (NC)

Complaint:
I purchased a car, the car have been back to the dealership more than 5 times. I n having a problem with the battery and the etc. It's pulling on the car that makes it hard to turn. I need the credit information to be corrected. I never paid late. I have been try to make sure the car is driving safe. But, the pulling on my car is making it dangerous

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (FL)

Complaint:
I attempted to use my card on XX/XX/XXXX. It would not work, so I called Comenity to inquire. I was told I requested the card to be closed via secure messaging center in XX/XX/XXXX. I advised the representative that I did not make such request. I was then transferred to a supervisor, who reiterated that the card was closed via request in their website secure message center in XXXX. I advised the supervisor that there was no such message in my outbox. He stated that 'sometimes they get deleted. ' I asked why I had other messages in my outbox from the same time period. He stated 'some of them get deleted. ' I asked him to confirm that the only message he was unable to locate was proof that I asked for my account to be closed, and he said that was correct. He confirmed that the company had no proof of my request the account be closed, yet it was closed anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC (NY)

Complaint:
XXXX XXXX this was not my debt and was on my XXXX  credit report, I contacted the state attorney of New York and they had it removed as it was a fraud account that keeps getting put on my credit. Now today XX/XX/2019 this account is on my credit as a collection again! Account 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 2019-07-24
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. (FL)

Complaint:
I CONTACTED TRANS UNION AND THE STATED THEY CAN NOT FIX THE FACT THAT EVEN MY OLDEST ACCOUNT IS 20 YEARS OLD AND  APPEARED 11 YEARS CAN NOT DO NOTHING. THEREFORE I NEED ASSISTANCE TO MAKE IT AS IS SUPPOSED TO SHOW 20 YEARS. 

THANKS 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 2020-06-17
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AmeriCollect (MO)

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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. (MA)

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX Account number : 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. 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 ) 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 crime 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 2022-05-15
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. (GA)

Complaint:
Went to help my wife get a car, I explain I only wanted my credit ran once because it would hurt my credit score XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACS Education Services (IL)

Complaint:
Due to unemployment, my account was placed into a 12 month forbearance. The forbearance period expired in  XXXX  and payment was due on the account in  XXXX   2017 . Payment was made on  XXXX   XXXX ,    2017  for  XXXX  's payment due. Student loan co mpany, ACS, processed the payment and applied it to my account. A few weeks later I was noticed via  XXXX  credit monitoring that my account with ACS had been reported as being 30 days delinquent. Payment was never made late and in light of this I filed a dispute with the credit union. ACS did not correct the issue. Furthermore, I have attempted to call ACS on several occasions and have been placed on hold for hours on end. I would like for this payment information to be corrected and for the 30 day pass due status to be removed from my credit reports. This has adversely affected my ability to qualify for a mortgage and I would hate for this dereliction to affect me further. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
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: Experian Information Solutions Inc. (FL)

Complaint:
XXXX the XXXX XXXX XXXX XXXXXXXX XXXX has been unfairly treated due to the nature of improper credit reporting, and for the mistreatment of the credit reporting laws and compliance.These are multiple violations of the law and slander of my good name and character. REASONS : I NEVER GAVE ANY AUTHORIZED / PERMISSIBLE USE OF ANY OF MY PERSONAL INFORMATION. 
I do not owe any debt or any alleged debt. 
I also refuse to be an implied surety/debtor. 
These are few of many violations done on my good name ; which breaks the law. 
NOTICE TO CEASE AND DESIST stop all COMMUNICATION any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the consumer report ( bearing Information regarding the alleged debt ) See 15 USC 1692c ( c ) See attachment with cease and desist request : 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 explanation
Consumer complaint received 2022-07-07
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: EQUIFAX, INC. (GA)

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Complaint:
I was making donations on-line on Giving Tuesday, XX/XX/XXXX, from my Bank of America checking account. Bank of America put a lock on my account for " suspicious activity. '' I then unlocked the account to make further donations. I just noticed today, XX/XX/XXXX, that Bank of America deleted some of my donations ( they deleted the transactions from my account ) with my authorization or knowledge. I had more than sufficient funds to cover the donations ( my checking account balance after all donations would have been in excess of {$2500.00} ). What the bank is is illegal.

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 2017-02-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (MD)

Complaint:
I spoked to the Manager of the Quiet Water Apartments in XX/XX/XXXX before my new lease renewal, that I am going to buy a house, so the Manager told me do n't worry XXXX " you have been paying your rent on time we will take care of you '' I was living there since XX/XX/XXXX. 
He told me most of the time the apartments are rent out in week or two, I said no problem I will pay the 2 weeks rent. 
I moved out from there. 
They did not sent me any bill by mail or called me, neither the collection company sent me any letter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bull City Financial Solutions, Inc (NC)

Complaint:
I have a utility balance of {$1500.00}. on my report from Bull City Financial. My request is to please remove/delete the balance because its paid according to the company XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (FL)

Complaint:
I have this XXXX phone carrier and i did pay my last bill and i switch to low income phone arranged by XXXX too and they give me new account for some reason their still charging me for the old account that i stop using.. i was allready switch to low income phone bill.. i tried to dispute this to XXXX but they are not working with me and they turn me to the debt collection Company name XXXX XXXX XXXX and this debt collector reported to my XXXX and ruined my credit report.. i need this bad regatory remark to be removed to my XXXX this is the only credit report.. XXXX remove this debt collection to my credit report this new law been removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-17
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Reliable Credit Association, Inc. (FL)

Complaint:
There are repeated calls daily. They are requesting my social security number and address.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2023-06-27
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. (NV)

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Century Credit & Collections, LLC (CA)

Complaint:
I have mailed this collection company requesting debt validation. But have only received a letter of " an attempt to collect '' with my name and a total of how much I owe. with no other information or proof from an original creditor/company, showing that i owe this amount of money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Complaint:
account PAID IN FULL. dispute d A MILLION TIM ES. here IS PROOF IT WAS PAID. pleasE REMOVE THIS INCORRECT INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (CA)

Complaint:
I discovered this account on my credit. I have never received a notice for the right to dispute. I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
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. (NY)

Complaint:
I just check my credit inquiries on XXXX XXXX it is showing 5 hard pulls for XXXX cards. I did not do this I applied for this card over 2 years ago and only 1 hard inquiry should be reported. There are 5 of them which is affecting my credit score. I did not do the other 4

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 2021-05-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NY)

Complaint:
Chime bank closed my account after suspending it for No reason what so ever, I provided them with all documents they requested but after they saw I put a complaint in with Americans with XXXX, upon closing my account in they never sent me a check, no answer on any emails I send and I ask nicely in every Emaik about my funds and explained that is my rent money that theyve held no for 2 weeks and my landlord wants to evict me. I have all the emails and conversations I am disgusted that this is how they treat a loyal customer of 4 years for

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
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: Experian Information Solutions Inc. (FL)

Complaint:
I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

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 2016-07-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ProCollect, Inc. (WA)

Complaint:
This debt was paid off in XXXX. ProCollect ( the company ) accepted payment for all debts in their offices in XXXX, XXXX. XXXX XXXX received notice from the company on XXXX/XXXX/XXXX that all debts had a XXXX balance and as part of the agreement, the debt would be removed from his credit report ( proof of this email exchange has been sent to the company 22 times, final receipt was by certified mail on XXXX/XXXX/XXXX. ) After collection attempts continued, the CFPB was notified and a case was opened ( XXXX ). The result of the case was XXXX XXXX would no longer be receiving phone calls from the company and the item ( s ) would be removed from his credit report. The items were removed from the report, then subsequently added back to XXXX XXXX ' credit report. ProCollect has violated the Fair Debt Collection Practices Act and with malice has caused due harm to 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 2022-01-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

Complaint:
XXXX XXXX XXXXXXXX? XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Thes are links to the emails that I am receiving. I already alerted my credit union of these and they told me to treat these as scam. Each one of these are giving information for a deposit, amounts, reference numbers, and other data. You may need to look into this. Also, I am receiving text messages. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kimball, Tirey & St. John LLP (CA)

Complaint:
This is a complaint against XXXX XXXX XXXX XXXX XXXX Regarding a so called debt which I am not aware of from 2008 the original creditors XXXX XXXX XXXX XXXX from The above co obtained a judgment the XXXX XXXX court. I did not receive any communication from any of these people, now they are writing a letter stating that I owe {$840000.00} these people buy debts pennies on the dollar I am not aware of any such debt. and they are trying to collect a false debt from 2008 the statue of limitation for any civil law is 6 years this is way past the time and I do not owe any one such a debt. the above law office is intimidating and harassing me under the guise of law firm or a debt collector I want this people to stop the letter d of intimidation and harassment

Company response to consumer: Closed with explanation