hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: NV
Tags: Servicemember

Complaint:
I checked my credit report, bcs I received an email about a new inquiry, when I checked this morning, I noticed several hard inquiries and other soft ones started that I did not authorize, so I called the first two banks, and they informed me that a credit card was in their institution, which means one for each bank ( XXXX and Wells Fargo ), they informed me that they have cancelled the credit cards, and an investigation was going to be performed and that they will email me the findings, aka credit card fraud. XXXX ( XXXX ) provided me with the email address of the person who opened the XXXX  in their bank, which is XXXX, and that is all she can provide me. The other bank, Wells Fargo* ( WF CRD SVC, XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX ), indicated that they can not provide me with any information of the person who opened the credit card using my ssn, etc. Wells Fargo informed that the credit card this person opened already has a balance over $ XXXX, the other bank did not provide this info. I still have a list of other places, I need to call. I will be calling the other companies tomorrow, which are : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX Date of credit report inquiry : XX/XX/2023 ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX, WI XXXX Date of credit report inquiry : XX/XX/2023 ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX Date of credit card inquiry : XX/XX/2023 ( XXXX ) XXXX 's XXXX and Wells Fargo Credit Card Services cancelled the credit cards, but I will continue monitoring my information regarding credit inquiries in the three cree bureaus. 

I already put a freeze in XXXX and complete the freeze for XXXX and XXXX tomorrow.

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 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint:
I just spoke with Transunion with regards to an abundant amount of Fraud/Unauthorized inquiries that I noticed on my report, from XX/XX/XXXX. On XX/XX/XXXX I went to purchase a car from XXXX XXXX in XXXX. I had a previous auto Loan with then ( XXXX XXXX supplied the loan ) for my last car. The finance manager told me he was going to compare XXXX XXXX and XXXX XXXX ( which were my last XXXX auto loan providers ). I just noticed today that my credit report showed several unauthorized Inquiries from that date. I just spoke to Transunion to get these removed and they literally are trying to send me on a wild goose chase to remove these inquiries, which obviously was a malice act by the dealership to get my autoloan approved by any and every finance company known to man " WITHOUT MY CONSENT ''. I asked them to remove the following inquiries : 1 ) XXXX XXXX XXXX, 2 ) XXXX XXXX XXXX, 3 ) XXXX XXXX, 4 ) XXXX, 5 ) XXXX XXXX ( Only XXXX XXXX inquiry should remain ) The only authorized ( valid ) inquiries on XX/XX/XXXX, were XXXX and XXXX ( yes XXXX inquiries on XX/XX/XXXX into the same company, but obviously XXXX of those inquires can stay. Please take this complaint seriously, as this has to be in some way a violation of my consumer rights, and an egregious act by a vendor. Thank you for any help you can provide in this situation, as I am simply looking to have these inquiries removed from my credit report, in as SIMPLE OF A MANNER as they were put on there without my consent. Thank you

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 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint:
XXXX XXXX XXXX  {$5.00} XX/XX/ XXXX  XXXX XXXX XXXX {$64.00} XX/XX/ XXXX XXXX  {$190.00} XX/XX/2XXXX XXXX XXXX XXXX XXXX {$1300.00} XX/XX/ To Whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 15 U.S. Code 1692g - Validation of debts I DO NOT RECOGNIZE HOW THIS ACCOUNT IS REPORTING ON MY CREDIT REPORT, I DON'T RECOGNIZE THE ACCOUNT NUMBER, I DON'T RECOGNIZE THE ACCOUNT STATUS, I DON'T RECOGNIZE THE ACCOUNT HIGH BALANCE NOR DO I RECOGNIZE THE LATE PAYMENT ASSOCIATED WITH IT EVERYTHING REPORTED HERE DOES NOT MEET THE FCRA. ALSO ITS CANCELLED DEBIT THE COMPANY HAS FILED IT ON THEIR TAXES BUT THEY ARE ALSO REPORTING IT ON MY CREDIT REPORT AS DEBIT THE IRS MENTION THAT ITS CONSIDER AS ORDINARY INCOME A 1099C THAT MEAN ITS AN INACCURATE ACCOUNT THAT IS FURNISHED ON MY CREDIT REPORT AND I HAVE PROOF TO WHY IT SHOULD BE GONE ITS ( CANCELLED DEBIT ) THE IRS ALSO MENTION COMPANY WAS SUPPOSED TO SEND A 1099C FORM SO I CAN FILE THE ORDINARY INCOME THAT IS A VIOLATION 15 USC 1681eb it speaks on maximum accuracy of the consumer report ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the accounts listed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Product: Checking or savings account 
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments
Company: PNC Bank N.A.
State: VA

Complaint:
It is too difficult simple to link my PNC checking account to my XXXX account. I called at least 3 times and issue was not resolved, and I visit branch and it is the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX, 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 2021-05-05
Product: Checking or savings account 
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NJ

Complaint:
I received a notification and check from Wells Fargo regarding a legal settlement between Wells Fargo and the Consumer Financial Protection Bureau addressing the banks sales practices. The XX/XX/2021 notification indicates that the bank is refunding fees in the amount of {$24.00} because they were assessed before I began using my account. 

The letter also provides that, This check also includes an additional amount of {$4.00} to compensate you for the time you did not have these funds. Thus, I understand this notification to advise me that Wells Fargo is refunding {$28.00} to me. However, the check is ACTUALLY for only {$24.00}. 

I write to complain that : ( 1 ) Wells Fargo still owes me the {$4.00} ; and ( 2 ) Wells Fargo has violated its legal settlement with the Consumer Financial Protection Bureau by failing to pay out monies to its customers as directed by the agency. 

Knowing Wells Fargos improper sales practices, I believe my wrong payment amount was NOT an oversight. For this reason, I did not reach out to Wells Fargo as I believe this error is yet another deliberate improper practice by the bank and numerous others have also been wronged in this manner. 

I will deposit the {$24.00} check before it becomes stale. However, I respectfully request that your agency have the bank send me my {$4.00} WITH INTEREST now accrued thereon and that the agency look into whether numerous others have also, yet again, been victims of Wells Fargos improper practices.

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 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint:
Basic code of 15 usc1681 ( b ) ( 2 ) any company reporting on your consumer report needs my written permission to do so.. if my permission was not given you violated my rights to privacy pursuant to 15 usc 168 ( a ) ( 4 )..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint:
15 U.S.C. 1681 section 602 A.I have the right to privacy.15 U.S.C . 1681 Section 604A 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-09
Product: Student loan 
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan
Company: AES/PHEAA
State: NY

Complaint:
Since XX/XX/XXXX, I have been going back and forth for months to have my request for income-driven repayment processed and approved. Finally, in XXXX I was told my application 'expired ' since it was not processed by FedLoan within 90 days and had to resubmit all documentation for the third time. I had been previously told otherwise and spent countless hours on the phone trying to figure out what was going on. In between this time, I was told that I had to pay a standard plan payment while I waited for a decision. Not being able to make a payment over {$1500.00} a month, I was forced to go into forbearance while interest accrued. They continuously provided me with confusing and contradicting information, specifically when recommending which plan to choose and about the status of my application. Anytime, I called back with questions I had to speak with someone else and received a completely different answer. Twice agents told me they were not sure why another agent made their recommendation as it did n't make sense. The lack of knowledge and errors is infuriating and unacceptable ; it not only takes time out of my work day but I am left clueless with no where to turn after each call. 
Due to the misguidance of multiple FedLoan Servicing customer service agents I start XX/XX/XXXX in the same place I was last year, misinformed regarding my loans and still receiving inconsistent answers. The question is do I give in and now pay the incorrect calculation in order to move forward ... Or continue fighting for complete, accurate, and up-to-date information about my finances? Student loan holders not be forced make this decision!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: FL

Complaint:
I was in communication with Comenity Bank attorney XXXX XXXX and XXXX XXXX XXXX on XXXX XXXX XXXX in regards of an account ( XXXX ) that is still on my consumer profile. 

I reached out and explained that Comenity Bank is breaking the federal law ( FCRA ) and stated what laws were being broken on my consumer profile. We had a conversation regarding the account and ultimately XXXX the attorney came to a decision to settle for a payment of {$500.00}. 

I will attach the screen shots of the emails of the conversations. 

I stated that I would be willing to settle to if they would agree to remove the negative account that is violating my consumer rights. 

XXXX came back and stated that Comenity Bank is unwilling to delete/remove the account and then offered {$250.00} more ( {$750.00} ) to " resolve '' my concern. 

Comenity Bank has attorneys representing their company that are knowingly breaking the law. I would like for this to be on record that I attempted to resolve this with Comenity bank and attorneys. 

I have reported the issue I am having with Comenity Bank with my Attorney XXXX XXXX as well and I would like for this to be removed from my credit profile immediately as it is and has been severely and negatively effecting my financial future.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Product: Debt collection 
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount
Company: DISCOVER BANK
State: NJ

Complaint:
Discover Card refuses to refund me for fradulent charges from XXXX XXXX. The charges in XXXX estimate to be about {$1000.00} There are other fradulent charges to the account. I also remember several charges in XXXX. The charges total in an amount over {$700.00}. Moroever, they closed my account unlawfully, in XX/XX/XXXX, however, they sent me a regular statement during XX/XX/XXXX. I was also entitled to more unemployment benefits during the month of XXXX XXXX. They charged me {$70.00}, a month, while sick and unemployed. They refused to re- open my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: Credit Karma, LLC
State: CA

Complaint:
I have been dealing with ongoing identity theft for the past year. A scammer/fraudster was able to pull my credit reports through Credit Karma using my data. The only way I had found out was reviewing my credit report as a result of an alert from credit inquiries. There was a soft inquiry from CreditKarma.com which was odd as I had no prior account with Credit Karma. 

The scammer had created a Credit Karma account online and had already pulled my credit reports using the account. When initially creating a Credit Karma account, you just have to answer simple personal history information. I suspect this scammer used my stolen data or data curated on other freely available network ( ie., XXXX  ). In order for me to deactivate the fraudulent account and create my own account, I had to send in my Driver 's license and bill to verify with Credit Karma. Shouldn't this be reversed, where you send in your data to be verified upon account creation? Credit Karma inappropriately exposes my data to a scammer/fraudster without proper identification. 

Even site such as annualcreditreport.com uses the same method. Since there is no account creation on their site. It is even more difficult to tell if any scammers were able to gain access to my credit report. 

I believe the existing system of using only historical data to verify a person 's identity is highly ineffective and poses a security concern to all consumers. The person 's identity should be verified using current bill, driver 's license or ID.me which the IRS currently uses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WY

Complaint:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. 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 explanation
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report
Company: PNC Bank N.A.
State: GA

Complaint:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint:
I have asked the credit bureaus to do a verification on my credit report which they did and stated everything was accurate. I did my own research and I found improper inaccuracies on my reporting. 

Account name : DEPTEDXXXX  Account # : XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States that 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 instruction.

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 2022-09-21
Product: Debt collection 
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint:
The fair debt collection practice act is intended to secure my right to privacy and my right to privacy has been breached. 

The truth in lending act is intended to protect consumers against abuse and deceit by creditors and i have been abused and deceived. 

The fair credit reporting act is intended to report fairly and equitable to the consumer and i have been abused 15 usc 1681b Santander XXXX XXXX is in violation of 15 USC 1692b ( 5 ) Santander XXXX XXXX is in violation of 15 USC 1692b ( 2 ) Santander XXXX XXXX is in violation of 15 USC 1692e2 ( A ) Santander XXXX XXXX is in violation of 15 USC 1692e ( 4 ) Santander XXXX XXXX is in violation of 15 USC 1692d ( 4 ) Santander XXXX XXXX is in violation of 15 USC 1692 ( 13 ) Santander XXXX XXXX is in violation of 15 USC 1692i ( b ) Santander XXXX XXXX is in violation of 15 USC 1692j ( a ) Santander XXXX XXXX is in violation of 15 USC 1635 ( a ) Santander XXXX XXXX is in violation of 15 USC 1605 ( A ) Santander XXXX XXXX is in violation of 15 USC 1635 ( b ) Santander XXXX XXXX is in violation of 15 USC 1681A ( 2 ) ( I )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Product: Debt collection 
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint:
I lost my job and then the pandemic hit. I called to try to negotiate to lower this payment and there was an unwillingness to help. Now my credit score is ruined. I need these late charges off my report so I can move forward. I now have a good job and paying on this debt. 

At one point I was threatened with legal action. I understand this was a big debt, but I was willing to work with them. But it was not a friendly exchange.

Company response to consumer: Closed with non-monetary relief