hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint:
Experian continues to violate federal law for years. Please find my correspondence in accordance with law attached to this federal complaint.

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.

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 2021-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST NATIONAL BANK OF OMAHA

Complaint:
On XX/XX/2021 I was made aware of a derogatory mark on my credit report ( XXXX, XXXX, and XXXX  ) per XXXX. Upon further observation, this account was paid in full and the account was closed ( account # XXXX ) with FNB Omaha. FNB Omaha has violated my rights as a consumer and I am requesting legal action to remove this derogatory account immediately. Debt was paid in full two years ago and has a {$0.00} balance but is still currently appearing on my credit score in collections and I wish to have this account taken off immediately. I have reached out to FNB Omaha in reference to the incident but havent received any feedback.

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 2021-02-04
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.

Complaint:
I went to court and hired an attorney to settle the debt. I have copies of the mediation and settlement agreement and Equifax is still reporting it on my credit. I have attached copies of the settlement documents as proof in my file. Equifax is abusing its credit bureau priviliges against consumers in an effort to get money out of them and still not doing their part in holding up to their agreement. Equifax needs to block them in e-oscar so they will not be able to hurt the public and continue to manipulate consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
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.

Complaint:
In accordance with the Fair Credit Reporting Act " XXXX XXXX XXXX '' has violated my rights. 15 U.S.C. 1681 section 602A states that I have a right to privacy. 15 U.S.C 1681 section 604A states that a consumer reporting agency can not furnish an account without my written instructions.

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 2023-08-23
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.

Complaint:
The credit bureaus stated that my accounts were properly investigated but how is that possible if the open date is inaccurate, date last reported is inaccurate, last active inaccurate, last payment date inaccurate, Past due inaccurate, Balance inaccurate, account status inaccurate, monthly terms inaccurate. This is grounds for removal and they also violated my rights under 15 U.S Code 1681 Section 602 A States I have the right to privacy.

15 U.S Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the credit bureau took more than 30 days to complete my investigation here is my certified mail tracking # XXXX # XXXX # XXXX

Company response to consumer: In progress
Consumer complaint received 2022-08-02
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.

Complaint:
This is my XXXX 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 an alleged fraud pursuant to Section 605B of Fair Credit Reporting Act. 
XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : 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 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
This is a formal dispute and request to remove late payments from my credit report.The information is incorrect, untrue, and the laws pertaining to furnishers reporting late payments is quite clear.I have outlined it below : Section 623 ( A ) ( 7 ) requires a financial institution that regularly reports negative information to nationwide CRAs to provide one clear and conspicuous written notice of that practice to consumers, no later than 30 days after first reporting such information.My research has found this notice is typically found on monthly statements, however : 15 U.S.Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) Negative Information ( E ) Use of notice without submitting negative information. No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency. 

Additionally, FTC Advisory opinion to XXXX ( XXXX ) states : Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information. A person who regularly and in the ordinary course of business furnishes infor- mation to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 

As you can see the law and FTC opinion state that you, the furnisher, are Not legally bound to report any negative information. Please refrain from continuing to report the late payments on my credit reports. The account is current, and thus, you have a duty to correct and update the negative reporting of the late payments.

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 2021-10-04
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.

Complaint:
I have noticed multiple accounts on my report I do not recognize two time each XXXX Mortgage XX/XX/2021, XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021, 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 2022-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HOME BANCSHARES, INC.

Complaint:
XX/XX/XXXX my account was hacked. I called them right away and told them 2 transactions at XXXX XXXX XXXX XXXX XXXX one for {$890.00} and {$120.00} were not made my me. Since I was at work in XXXX, Tx. They turned the card off. Since it was a Saturday they told me to go in on Monday to file the dispute. They also told me there was another purchase pending for XXXX  for {$360.00} that I couldnt see on my mobile app. Monday morning I go to XXXX XXXXXXXX XXXX tell them what happened and to stop transactions in or out of the account. they looked at the account and told me that the XXXX fell off and that the 2 charges for XXXX XXXX were going to hard post at XXXXt and come back tomorrow. Went on that Tuesday and filed the dispute. Was told that someone would call me in a couple of days. No one called so I went back on Friday. They said it would take up to 2 weeks. Waited until XX/XX/XXXX went to a different branch she looked it up and said my account was flagged as critical bc they did not have me sign the dispute, but no one contacted me to come sign it. She told me she was glad I came in bc the dispute was going to be cancelled the very next day. She printed off another one and had me back date it to the original date it was disputed said they had up to 90 days to investigate. But normally only too 2 weeks. Checked on my account this morning and there were 29 NSFs on my account. Called, waited on hold for 35 minutes explained what happed she asked where I opened the account and they would get a hold of the branch manager. She said he wasnt available. Went to that location on my way to work asked to speak to the branch manger and to close my 3 accounts. Was able to close 2 but the one with the dispute was negative and couldnt close it. I told him the account wouldnt be negative if they would of given my funds back that I had disputed and stopped the transactions from when I asked them in the first place. To add, when they merged with centennial bank in XXXX I wasnt able to see my second business account for 5 weeks, log in or do any achs. So regardless, I want my funds returned to me, those 29 nsfs dropped from account and close my that last remaining account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP

Complaint:
I purchased an on line golf instruction video. The company wrongly added additional services I never asked for. I received a bill and noted these additional charges. I called and had them removed, and even had a reference number. I never got a bill from US Bank again but I logged on to the account to check. This is when I found out that the golf company never removed the charge. I also found out that I never got a bill as I was now on " paperless '' payments with US Bank. I was never on paperless billing and have been paying bills for years. This I never knowingly requested, nor was I aware of this change and I had never begun the process of changing over to paperless banking. It is quite elaborate and one has to submit a routing number to a bank, etc. I called US Bank and discussed my concerns. I gave all the information about the on line golf company, including the reference number. The US Bank rep noted I may have " clicked '' on something when logging in to US Bank that changed my billing preferences. I pointed out that when I was logging in recently, I may have inadvertently checked request for paperless banking. That was how the on line page was set up. I requested she send a note to their IT dept, and clarified I did not want paperless billing. I went to a US Bank office and paid the bill in person.US Bank sent a form requesting the same information as I gave over the phone. However, When I received the letter it was " Due '' three days later. It was going to be late. They said they never got it and so, could not reverse the refunds for the late fees, etc. US Bank has all the dates and information. If they deny it, they are lying. They lied about me requesting " paperless " banking and changed their on line form. I, with my wife present, logged back in since and had to actually search for the page requesting paperless banking, so there is no way I did this before. Their page setup had been changed on line, so a person might click on this choice in the very beginning. Same un ethical practice as 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 2022-06-28
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.

Complaint:
Equifax continues to say they dont see these inquiries on my credit & keep saying inquiries are factual, how is it factual information when Ive sent over an ID Theft affidavit in addition to a police report stating that I didnt do this?? Equifax continues to ignore this & theyre about to find themselves on the other end of a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I have a debt collection for a credit card that I never applied for. I have never utilize this charge account what so ever. I have reason to believe someone may have obtained my information to open this account without my consent. This debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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.

Complaint:
My Equifax Credit Report has not been updated with accurate information for my XXXX XXXX  credit card. The last update to my account information was on XX/XX/XXXX, to reflect my XX/XX/XXXX statement. I have contacted XXXX XXXX 3 times. Each person was unable to assist or pinpoint the root cause of the issue. The person I spoke with on XX/XX/XXXX told me that it might be due to the conversion -- the conversion of XXXX XXXX  credit card from XXXX to XXXX that occurred over the course of XXXX. XXXX XXXX  does not have customer service that are available to address back office issues such as credit reporting. 

This is causing harm to my personal situation. I am a returning, non-traditional college student and have been denied private student loans due to the outdated credit information on my credit report. In addition, I have noticed that Equifax credit reports that are pulled by creditors are never current. They are often 60 days or older.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
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: JPMORGAN CHASE & CO.

Complaint:
I disputed a charge for items promised to ship within 5-8 days that failed to ship within 30 days and for which I had no confirmed ship date after two inquiries with the merchant ( XXXX XXXXextremely dishonest and evidently the source of frequent complaints ). 3 weeks after starting the dispute, the merchant finally shipped ( 8 weeks after purchase and after explicitly being told the order was refused and a refund was expected ). The box was returned unopened to the sender as a refused delivery.

Chase did not process a refund/chargeback despite evidence of ( 1 ) failure to ship merchandise on time, ( 2 ) breach of 16 CFR 435.2, and ( 3 ) evidence of order cancellation. Chase has left a charge on my account for merchandise not in my possession, and I find this unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.

Complaint:
Experian shows I have a public record XXXX  XXXX bankruptcy I disputed this several times telling them it is not mine they wont do anything they say they verified it I asked how and they told me with the court system I keep telling them then they wont put my name right on the 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 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the police report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the police report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX Date Opened XXXX XX/XX/15 Balance : {$270000.00}, XXXX XXXX XXXX  XXXX Date Opened : XXXX Balance : {$25000.00}, XXXX XXXX XXXX XXXXXXXX XXXX Date XXXX Balance : {$24.00}

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 non-monetary relief
Consumer complaint received 2018-02-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA

Complaint:
Several years back, I took out a student loans with XXXX College. I stopped attending and during the past couple years I have not been able to make payments on my loan due to financial hardships. I am currently living with my parents and have lost my job. I had a baby on the way which caused me to become so far behind on my bills and miss many payments. All of these missed payments caused my credit score to be severely effected. It has been hard for me to get a place for my family with a low credit score. I'm planning to get a new job with XXXX and get back on my feet. 
I want to remove any marks effecting my credit score during the non-forbearance periods and be able to get a deferment on my student loan for 6 months as I rebuild my fiances. I can afford to start paying {$50.00} per month after the 6 month period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
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: JPMORGAN CHASE & CO.

Complaint:
I had a fraudulent charge of {$370.00} to my credit card on XX/XX/2020. I told my bank that it was fraudulent and that someone probably stole my card information and they just completely ignored everything I was saying to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
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.

Complaint:
A few months ago I noticed incorrect information being furnished on my credit report. I sent a letter to the credit bureaus on XX/XX/2021. To this day, I have not heard back from them. I wrote a new letter today and will be mailing it out today.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.

Complaint:
it is not legal for someone to place a hard inquiry on your credit file without specific permission to do so,... I am seeking Punitive damages must be both reasonable and proportionate to the amount of actual damages to the consumer. The FCRA also allows for statutory damages of between {$100.00} and {$1000.00} for willful violations. These damages are often pursued in class action FCRA claims.. They are unauthorized hard inquiries on my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have wrote to the credit bureaus and send in my driver license Proof of identity so at this point this needs to be investigated.

Company response to consumer: In progress