hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-03-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
On XX/XX/ 2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2023-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

Complaint:
On Monday XX/XX/2023 at approximately XXXX I attempted to deposit my check in the atm at my local Wells Fargo XXXX The machine malfunctioned, cut off, and rebooted and took my check giving me a receipt saying it was accepted but upon looking in my account the deposit was nowhere to be found. I then went inside the branch and was told to call the number on the back of my card or wait and have a banker help me. I waited and this banker filed a claim for the missing deposit. I got an email an hour later saying my accounts is now frozen and will be closed XX/XX/XXXX due to a fraudulent check. An hour later I received a new email saying my account is being closed because of an atm deposit not matching the amount of a check. Neither of those reasons are factual nor true because the check was not even processed nor deposited. I have been sent back and forth between being told to speak to the claims department and fraud department to have the hold taken off my account because I have bills that are due and piling up, I have no access to my account nor my check and am consistently told I can do nothing and have no access to my money until XX/XX/XXXX, nearly two weeks with no access to my funds. My account was not only wrongfully frozen but is being wrongfully closed. I have no access to anything. No one is helping me. All because the atm malfunctioned I am now dealing with extreme consequences and Wells Fargo refuses to offer assistance or help me in any way.

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 2020-08-17
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: CITIBANK, N.A. (FL)

Complaint:
THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE STOLE MY INFORMATION TO OPEN THESE FRAUDULENTS ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX and XXXX   CRAS. On XX/XX/2020, I mailed XXXX, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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 2018-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Complaint:
CAPITOL ONE DEBITED MY BANK ACCOUNT WITH XXXX XXXX XXXX XXXX ON XX/XX/2018 FOR THE ENTIRE BALANCE OF MY CREDIT CARD {$2200.00}.

I NEVER AUTHORIZED THIS PAYMENT AND THEY ARE STATING I MADE THE PAYMENT THRU THEIR IVR AND I NEVER DID NOR DID I CALL. THEY WILL NOT RESOLVE FOR 7-10 DAYS. I HAVE OPEN A PAYMENT INVESTIGATION SINCE THEY STATED I MADE THE PAYMENT.

I HAVE CONTACT MY BANK TO DISPUTE AND STOP PAYMENT. I AM DISGUSTED BECAUSE I AM SIGNING A LEASE FOR A NEW RESIDENCE ON XX/XX/2018 AND MAY NOT BE ABLE TO HAVE MY ENTIRE PAYCHECK RELEASED.

PLEASE ADVISE WHAT STEPS I NEED TO TAKE TO RESOLVE THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
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. (FL)

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 XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : # XXXXXXXX XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

Complaint:
i have several loans with Navient and i am enrolled in automatic payment for over 2 yrs making all required payments on time, reading up on what the media has been informing us i do feel i am part of the borrowers that were mislead to multiple forbearances and eventually to forced high payments, i recently called and provided as much information as possible and had my co-signer provide all her information aiming to lower my just raised payment to a ridiculous amount. after calling for an update they tell me i do not qualify for lower payments, i am stressing out and Navient 's way of calculating unbearable amount of high payments are pushing me to a boiling point of stress. please look into their payment plans and consider the real world conditions in which we live in, Navient is attempting to take all my money and preventing me from providing my family with a healthy living. 

PLEASE HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (DC)

Complaint:
Wells Fargo had someone to open up an account without my knowledge

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
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: Convergent Resources, Inc. (OH)

Complaint:
On around unkown dates, Convergent Outsourcing Inc, XXXX XXXX XXXX, XXXX XXXX XXXX, and credit management, placed a collection claim on my credit, for an alleged cell phone bill. I have received NO communication or proof of this bill prior to or since the credit inquiry from my credit report. I have received NO documents validating this owed amount. I have NOT received any validation of this debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and I am requesting the file to be immediately closed as it has no basis to be on my credit report. I do not currently have nor, have I ever had any business dealings with Convergent Outsourcing Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and have not given them nor anyone affiliated with them authorization to view or obtain a copy of my Credit Report. I am requesting that my Name, Phone number, Email and any other personal information be removed from the Convergent Outsourcing, XXXX XXXX, XXXX XXXX  and XXXX credit database and prohibit them from selling this debt off to yet, another collection agency. I have been advised by XXXX that my SS number as well as my phone number have been compromised. I have been advised to alert the SS department, alert the credit reporting agencies and place a freeze on my credit as well as file a police report. I've done all of these things. I will be seeking legal guidance and or pursuing legal action against, Convergent Outsourcing, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX for the illegal purchase/sale/use of this unverified/invalidated collection account.

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 2018-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Complaint:
I sent my rent check to my landlord via USPS in XXXX of 2017 - one month later when my landlord told me my rent was late, we realized that the check was fraudulently cashed at a cashier - someone the check was intercepted. I am attaching a copy of the back of the fraud check that was cashed without being endorsed by the company it was written out to. 

My bank ( BANK OF AMERICA ) opened a claim and tried to get the money back from the depositing bank ( XXXX XXXX ) but did not receive a response so they did not give me my money back. 

I attached the fraud cashed check, a cashed check how it should look from my landlord and the letter from BofA saying that they are closing my claim and can not give me my money back even though they know this was a fraudulent check.

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 2022-04-22
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. (NJ)

Complaint:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WI)

Complaint:
On XX/XX/2022, I sent out disputes challenging inaccurate information that is illegally reported on my consumer report. Per section 611 ( a ) of the FCRA, CRA 's are supposed to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. Since then, I have sent letters MONTHLY to Equifax as well as XXXX and no one has updated my account to reflect the changes and ensure that the reporting is 100 % accurate. The following account is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ). I demand that the payment history on this account be updated as XXXX. XXXX XXXX Account Number : XXXX is inaccurately reporting an alleged late payment history and has not provided a copy of my entire payment history as requested. This error has damaged my credit score and my rights as a consumer have been violated. A copy of my photo ID and address verification was included with each mailing so there is no reason my request should have been ignored. It has been several months now and this needs to be resolved. According to 15 U.S. Code 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MD)

Complaint:
I had previously filed a complaint against Equifax with an attached Equifax Annual Credit Report. In that report it is not showing the actual payment amounts for each month. 

I was not able to get an Annual Credit Report from Equifax and had opened many complaints everywhere asking to be able to access my Equifax Annual Credit Report, and this was the case for nearly two years, to suddenly about two months ago I was again allowed access. 

I find that after using the Equifax credit report in a CFPB complaint to point out incorrect and missing payment history, that soon after the Equifax Annual Credit Report is now not showing any actual payment amounts made to the creditors. That whole section of the reports are no longer shown in the most recent Annual Credit Report, when it is THE report that's used to see the actual payments made.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
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. (LA)

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 2023-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: HUNTINGTON NATIONAL BANK, THE (MS)

Complaint:
On XX/XX/XXXX, I deposited a Check drawn on The Huntington National Bank ( Check No. XXXX ) on behalf of my son, XXXX XXXX XXXX who is currently serving in the XXXX XXXX in XXXX. I have a Power of Attorney to handle my son 's financials while he is serving in the Marines. 

The Check was dated XX/XX/XXXX, in the amount of {$660.00}, for CFPB XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The check indicated Void if not deposited within ninety ( 90 ) days of date of issue. 

After depositing the check in my son 's bank account on XX/XX/XXXX, I was contacted by the XXXX XXXX XXXX and was told that the check was returned by Huntington Bank and could not be honored since it was past the ninety ( 90 ) day period. I was advised to contact the Huntington bank and request that the check be reissued. 

I contacted the bank and spoke with a bank official that advised me that the check was returned because it was " stale dated ''. I was advised to contact the Payment Administrator and request that the check be reissued. 

Upon contacting the Payment XXXX at ( XXXX ) XXXX, I was told that the case was closed and the check could not be reissued.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Complaint:
Hi, XXXX XXXX  did 3 hard pulls on my credit with Equifax in 2019 all within a couple of weeks. They advised they'd remove the extra pulls as they were due to their own system problems. They say they tried to remove but Equifax shows them still there. 

See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CL Holdings LLC (MD)

Complaint:
This debt has been resolved XXXX continues to harass me through debt collectors this is the third time I had to have to request to have it removed from my credit reporting agencies. Please if you can help and stop them from doing this XXXX is enough to deal with I should n't have to deal with this at all I think you for your time and I look forward to hearing from you soon. 
Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09
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. (CA)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Complaint:
I UPDATE MY CREDIT REPORT. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD.

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 2020-12-27
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. (NM)

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.

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