hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-02-03
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. (MN)

Complaint:
Attached to this complaint is a XXXX XXXX Police Report for proof that the following accounts and credit inquiries listed on my XXXX and Experian credit report are fraudulent and is the result of identity theft : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX Bank, XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XXXX XXXX XXXX XXXX XX/XX/XXXX. All of the accounts and credit inquiries are fraudulent, unauthorized and not my accounts or credit inquiries. Please review the attached XXXX XXXX Police Report. Police Report Case Number : XXXX. Please keep the attached police report on 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 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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

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 2016-08-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PINNACLE RECOVERY, INC. (MD)

Complaint:
I terminated my membership with XXXX XXXX XXXX. It refused to end the membership, claimed I still owed fees, and referred the alleged debt to Pinnacle Recovery, a debt collection agency, which has been harassing me for 2 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Auto Advantage Finance, LLC (OK)

Complaint:
I purchased a car from XXXX XXXX XXXX in XX/XX/2022. The loan was financed through Auto Advantage Finance. I have contacted the financing company several times over the phone. I have been to their private customer service center in person and spoke face to face with account mgmt supervisor. I have followed their instructions for reporting issues and getting resolution by making a complaint online with their customer service department. They continue to tell me to contact XXXX and XXXX to make a dispute. I have done that as well and they told me that there is nothing that can be done about disputing an account that they have not received from the financing company. It has been 10 months and I have not been able to get any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
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. (TX)

Complaint:
As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

Complaint:
I tried to complete online banking activities onXX/XX/2021 for my business checking account but access was denied. When I called the customer service department on XX/XX/XXXX, XX/XX/XXXX & XX/XX/2021 I was advised that my account was under review? However, I was not provided with a detail reason as to why the account was under review. I have called several times to customer service, reached out to the bank branch manager and also emailed XXXX XXXX in the customer out reach department. No one at the bank is able to tell me why my account is under review. One customer rep did tell me that over XXXX accounts were under review with the bank but no additional info was provided. My contractor/independent workers checks have bounced. I have no access to my funds to run my business and play my employees/independent workers

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 2019-03-28
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: Aurora Financial, LLC (NJ)

Complaint:
We bought our house in XX/XX/2018 loan from Aurora finance, We never got any mortgage payment information. On XX/XX/XXXX they emailed us saying the mortgage interest statement was not delivered. they asked as the right address, so we though ok from now we might get all the mails, They still did not let us know the loan was sold to another company, we did not gt any good bye letter from Aurora. 

On XX/XX/XXXX night we get a CREDIT alert for mortgage being added to our credit and late payment. From which we come to know the loan has been sold to XXXX, we call XXXX the very next day and pay the whole amount which was pending. 

Our credit is down by 280  points because of this. 

We have this complaint against Aurora finance for 1> not letting us know the company they sold our loan 2> after learning they had the wrong address they did not let XXXX know about this. 
3> affected our credit score and not taking any action to let us know or clear this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Complaint:
An item was purchased online for XXXX at XXXX XXXX on XXXX XXXX, 2019 That item purchased was a gift and it never arrived to my aunt in Arkansas. 
XXXX  XXXX was the carrier and the tracking information said that the item arrived on XXXX XXXX, 2019. But the item was not there, nor delivered to her home. 
I called XXXX XXXX and spoked to XXXX on XXXX XXXX and they stated they would file a shipping claim with XXXX XXXX and reship the package immediately. 
I phoned again on XX/XX/XXXX and nothing had been resolved and they never shipped the package as stated. I requested a refund and spoke to 2 different customer service agents on XXXX XXXX, and they said they had no authority to issue a refund so I asked for a supervisor and both times I was put on hold for 30 minutes and no one ever came to the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Complaint:
I recently checked my credit report and I noticed numerous inaccurate accounts, inquiries and information on my credit report I've reached out to the credit reporting agencies to correct the issues but they did not please see the attachments included in the following complaints

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 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

Complaint:
This is in regard following account ; Alleged Creditor : XXXX XXXX Account Number : XXXX Per 15 U.S. Code 1681c2 Consumer Reporting Agencies shall block the reporting of any information in their files after the consumer identifies the information being reported is due to identity theft. Please remove this account not later than 4 business days upon receipt. Please send along documentation certified/accredited by the alleged creditor if they believe this account belongs to me, otherwise REMOVE IMMEDIATELY. 

Attachments : Driver License, Social Security card, FTC Reports, Police 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 2020-04-27
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: Experian Information Solutions Inc. (TN)

Complaint:
A ACCOUNT THAT IS NOT MY ACCOUNT HAS YET TO BE REMOVE FROM MY 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 2022-11-13
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. (WI)

Complaint:
Hello, I am writing in hopes that you hold Experian responsible for incorrect reporting. I have sent multiple disputes in to have this information fixed/removed and it still has not been corrected. There have been two other complaints filed in which the creditor admits to wrong reporting. They are as follows. XXXX and XXXX. They stated it would be fixed which it has not. It has been well past 30 days since my last dispute letter to Experian with no update. XXXX and XXXX have already removed this account completely from my credit profile for the inaccurate reporting. I will have no choice but to file a lawsuit against Experian if this is not removed. Incorrect information that is not fixed is a violation of the FCRA. This account is directly affecting my ability to obtain credit due to incorrect reporting of all the dates opened, closed, last payment as well as multiple payment errors. 

XXXX XXXX - Account number 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 2022-09-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
Hi I have been at this for several months now going back and fourth with the 3 major creidit reporting companies. For illegally without concent share personal information. Also I have sent numerous letters as u will see in the attached files wanting a legal investigation into the reporting on their end. More than 30 days have passed and no legal investigation was taken place. I want to file complaint and fine the companies for each day this has dragged on without removing from my accounts. They are indirect violations with 15 UFC 1681 { A } # 2 15 USC 1681 { I } # 2 15 USC { S-2 } # 8 15 USC 1681 { B } 15 USC 1681 # 4 15 USC 1681 { I } # 5 ALSO ATTACHED YOU WILL FIND PRROF OF LETTER AND WHEN RECIEVED BY EACH COMPANY. I WOULD LIKE THIS MATTER HANDLED IMMEDIATELY AND REMOVED FROM MY FILES AS SOON AS POSSIBLE BEFORE LEGAL ACTIONS ARE TAKEN. 

TAKEN

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 2020-11-17
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Complaint:
Bank of American Loan # XXXX he received a 60 day late notice {$1800.00} past due Bank of America, XXXX XXXX XXXX, XXXX, FL XXXX. Never received statements or notice of payment.

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 2019-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

Complaint:
XX/XX/2019 XXXX I tried using an ATM in XXXX ( I had a travel alert on my card ) and the ATM took my card, acted like the transaction went through and no money or receipt came out. I filed with my bank ( chase ) a claim ( XXXX ) and it was denied saying I received the cash. This is incorrect. They are now demanding I give proof that I didnt get the money, which is impossible due to the ATM never giving me a receipt and just going back to the home screen after not dispensing the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

Complaint:
I applied for an apartment complex called XXXX XXXX XXXX back in XX/XX/2023. I used my debit card to pay my application fee and security deposit {$1500.00} online. After I applied online the property manager XXXX XXXX advised me that my security deposit would need to be in the form of a cashier check. Wells Fargo advised to put in a claim so that I could receive my money back quickly and get a cashier check. I took the cashier check to the property. I officially closed the claim on XX/XX/2023 with Wells Fargo and the {$1500.00} was taken back from XXXX XXXXXXXX and they advised me that I would be evicted from my apartment if I did not pay the money back. Property manager XXXX advised that I would need to pay a late fee and since their bank charged them a NSF fee. I would have to pay the NSF Fee as well. I called Wells Fargo to ask them to reserve this payment back to XXXX XXXX XXXX. They did and they stated it was final debit card payment to the XXXX. Last night I was looking over my Wells Fargo checking account and I noticed the {$1500.00} was back in my checking account. Wells Fargo had taken the money back from XXXX XXXXXXXX XXXX for the 2nd time. I shocked and upset! I called Wells Fargo claims department to find out why did they take the money from XXXX XXXXXXXX again and they said " the property management company bank was still talking to XXXX after my rent payment was made in XXXX to XXXX XXXXXXXX and Wells Fargo had won the claim with XXXX. '' This makes absolutely no sense at all. Why would XXXX the property management company bank still be talking to XXXX after the rent payment was made. Wells Fargo claims department I believe is lying. I asked XXXX XXXXXXXX what was the name of their bank. I need for a investigation to be done to find out if it was XXXX XXXX or Wells Fargo bank who keeps making this error. The Wells Fargo Branch manager XXXX XXXX and Wells Fargo claims department advised me that the rent payment XXXX XXXX XXXX received in XXXX could not be reversed and it was a final payment to XXXX XXXXXXXX. Wells Fargo Bank has lied to me. Wells Fargo, XXXX and XXXX XXXX has caused me emotional distress and enjoyment of life due to this matter. This has been going on since XXXX. I have paid my rent twice for the same month and I paid on time the first time. I don't know what bank is doing this to me. However, I do know that Wells Fargo has lied to me because they stated it was a final payment to XXXX XXXX XXXX  and it could not be reversed but they have reversed it even though I closed this claim on XX/XX/2023 with Wells Fargo claims department.

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 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Complaint:
5th Attempt pls correct my address THIS IS THE ONLY CORRECT ADDRESS XXXX XXXX XXXX XXXX XXXX Texas XXXX Please delete all other addresses I have sent certified letters 4 times and made a complaint with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
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. (TX)

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (FL)

Complaint:
On a Business trip my card was on a tab and when we were done I totally forgot my card and didn't realize until a couple of days later ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
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. (FL)

Complaint:
Reviewing and seeing the same results have been so disappointing. I have been sending multiple written requests and the last letter I sent to TransUnion was on XX/XX/XXXX. However, I have not received any response up to this date. Thus, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX XXXX XX/XX/XXXX {$5000.00} XXXX XXXX XX/XX/XXXX {$3300.00} XXXX XXXX XX/XX/XXXX {$2200.00} XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX, XXXX {$5900.00} US DEPT OF ED/XXXX XXXX XX/XX/XXXX {$27000.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL 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 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief