hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

Complaint:
I have more than {$400.00} in one of my Citi double cash account and found out that all my cash back were wiped out completely without any notice. Contacted the bank and were told they expires after 12 month even tho my account is in good standing. I put all my spending on this particular card last year and I haven't been able to spend much money because I am an XXXX XXXX XXXX  and been on XXXX most of the year due to COVID. I tried to explain my situation and were told there's nothing they can do at all. No notice/email was sent out about the award points going to expire within a year even when the account was always paid full on time each month.

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 monetary relief
Consumer complaint received 2020-06-26
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. (OH)

Complaint:
Equifax is incorrectly reporting that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
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. (IA)

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

Complaint:
In XXXX of XXXX I had major fraud committed on my checking and savings account with Wells Fargo. Due to the amount of money taken ( over XXXX ) it was referred to the XXXX XXXX fraud department. Here is the issue, Wells Fargo will not give you the number to this dept., they send them a message and they attempt to call you back in 3-5 days. If you miss it, then you have to start the whole process again. I never once was able to speak with someone from the XXXX XXXX fraud department. All I got was a letter saying they found I authorized the transactionsover XXXX overnight to an Apple Store in NY. I had banked with them since XXXX. I feel that they deliberately made it impossible to contact the department I needed to resolve this issue. I had no history of any type of expenditure that large, ever, yet in a few days I had a letter saying they investigated and the charges were authorized. The accounts were all closed and I have no access to the old accounts now to provide account numbers as Wells Fargo removed them

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 monetary relief
Consumer complaint received 2023-02-03
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. (NC)

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 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 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-22
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: Experian Information Solutions Inc. (CA)

Complaint:
Experian has repeatedly without hesitation taken $ XXXX per month from me for their credit monitoring and fraud defense service yet to date has not only failed to assist me with identity theft issues, but has also lied about conducting investigations into information on my report that was the result of identity theft. There dishonest and unlawful approach to supporting identity theft victims is well documented since one of the furnishers ( who I contacted through the CFPB ) has disclosed that Experian never once informed them that their information on my CR had been reported as resulting from identity theft. 

Experian has continued there brazen disregard of the law by failing to properly investigate a recent collection account that has appeared on my credit report. They also unlawfully refuse to provide an explanation of the steps and process they used in there alleged investigation of my dispute of this collection account, which only further brings into question whether or not they actually properly investigated. 

They also will only allow paying customers to view the results of their disputes.

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 2023-06-24
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: HYUNDAI CAPITAL AMERICA (FL)

Complaint:
Hyundai Auto Finance. I contacted them and provided proof regarding issue with my internet service as it timed out at the time I was making a timely payment. I was not aware this happened until the account was 31 days past due which at the time a timely payment was submitted. Although my situation was noted while I called and ensured payment was made to a live agent, it was not corrected. Furthermore to this, I retrieved proof from my cable company XXXX regarding the ongoing numerous outages in the area during the entire month. I submitted proof and the issue was never resolved, hence they continue to report negatively severely impacting my credit. This happened twice once approx XX/XX/XXXX for {$200.00} and approx XX/XX/XXXX for {$200.00}. Hyundai Financial has continued to report 30 days late on the 2 separate occasions noted. As a result of these outages I have implemented measures to ensure this will not happen again. I dont have a problem with my employment as my pay is well above adequate for my cost of living and has consistently been this way for 4 or more years. My account has been current and I pay as agreed. I need my report corrected as reported by the three credit bureaus XXXX, XXXX and XXXX. 
In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-06-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Education, LLC dba Aidvantage (OH)

Complaint:
I called AidVantage and spoke with a customer service person there and he put me on hold to research my question for quite a while, came back on and said my loans do NOT qualify for the " One-Time Payment Count Revision for Eligible XXXX Borrowers '' because I consolidated them, which reset the payment count all the way down to only XXXX AFTER DECADES OF MAKING PAYMENTS. 

This is not true and I need to be certain my loans are reviewed for inclusion in the current forgiveness situation being applied this fall. He also told me this only pertains to public service loan forgiveness, which is also not true! 

AidVantage gave me bad information, if you take the details found here - XXXX XXXX XXXX - into consideration. I just don't want to be automatically overlooked by a XXXX who doesn't really care...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
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. (CA)

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
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. (AR)

Complaint:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX  XXXX {$1000.00} XXXX XXXX {$2700.00} XXXX  XXXX XXXX {$68.00} XXXX XXXX {$280.00} XXXX XXXX XXXX {$930.00} XXXX   XXXX  XXXX {$15000.00} XXXX XXXX {$970.00} XXXX XXXX XXXX {$4200.00} XXXX XXXX {$780.00} XXXX   XXXX {$1000.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NJ)

Complaint:
About a refinance application to my existing mortgage with interest rate of 7.5 % I tried several times in the last two years to get a refinance lowering the rates to at least 3.8 % but were not successful due to false credit reporting by the present lien holder XXXX XXXX XXXX. They reported that I was 30 days late in payments each month, from XX/XX/2019 to the present according to the credit reporting agencies. Before this loan was sold by Wellsfargo to this company I never had a derogatory credit report and my FICO scores run from 600 to 750. I never missed a payment maybe 10 days late but not consecutive 30 days late each month. As I spoke to another mortgage originator today. I was told about this problem. I have statement records of payment from where my account is which is wellsfargo bank that will show I never missed payments to this mortgage. 
I really wanted just to refinance and lower the interest on the loan which is extremely high and I could not get it due to this company 's false reporting to the three credit bureau.

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 2020-03-31
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 cant understand how this is happening to me. I have a fraud Alert on my credit files, how is it possible that these company that i did not give consent to, is able to open accounts using my personal Information. theses Account are fraud i did not authorize anyone or any company to  open these accounts i want them removed from my credit files 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 non-monetary relief
Consumer complaint received 2023-04-20
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. (LA)

Complaint:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
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. (PA)

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
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. (AL)

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX has violated my rights. 
XXXX & XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
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. (TX)

Complaint:
in accordance to Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. The credit Bureaus stated my account was properly investigated but how is that possible if the open inaccurate, the date last active is inaccurate, and the date last reported is not accurate. The 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail

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 2021-04-27
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

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 2022-02-03
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: EQUIFAX, INC. (CA)

Complaint:
I recently received my consumers reporting file and noticed multiple tradelines that stem from identity theft. I reported all information to the Police department and contacted XXXX, XXXX, and Equifax.. upon me sending all the proper paperwork ( identity theft affidavit, copy of the police report, Identification and Social security card ) this XXXX consumer reporting agencies refused to follow the law set forth by congress. They continue to report these inaccurate fraudulent accounts on my personal consumer report without proper verification which is a direct violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
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: ERC (NY)

Complaint:
I have filed a dispute in regard to the incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
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:
I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards. For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose.I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.

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 2019-07-15
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: RentDebt Automated Collections, LLC (GA)

Complaint:
The debt that is owed does not belong to me. I have requested documents that show I am responsible for this debt in a timely manner. The collection agency assigned failed to do so. I was provided with documentation which included a computerized signature. I had no knowledge of this document nor did I approve for my name to be on this document. The signature is not mine therefore the debt should be removed.

Company response to consumer: Closed with explanation