hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2019-04-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

Complaint:
On XX/XX/2019, I completed a sales transaction for an XXXX I was selling through a third party app ( XXXX ). However, the consumer stated she wanted to use the banking app XXXX ; a cash app that is available in the mobile banking. I was skeptical of the transaction, so I called Wells Fargo where a representative told me it was a secure app to use as long as the funds reflect on my account and instructed not to leave if the transaction was " pending ''. Therefore, I asked the consumer if she could XXXX me XXXX cents to make sure it would go through giving her my phone number to complete the transfer. She made the transfer and it reflected on my account, so I made the drive to complete the sale. We met, she loved the product, then she used XXXX to make the transfer of {$290.00} to cover the amount making the total purchase of {$300.00}, in which we agreed. Therefore, I transferred the {$300.00} dollars to my savings account and that's where the funds were up until XX/XX/2019. Until I noticed my Online Banking was frozen ; but unsure why until I made the call where I was told that {$300.00} was debited because she ( the consumer ) reported to her bank ( XXXX ) that she never made that transaction and was fraudulent, which is false. After hours and dozens of fraud claims department representatives, I was told the same thing. " File a police report, its out of our hands at this point ''. This would be a reasonable ; had they notified me at all about the situation, but NOONE at Wells Fargo or any representative called or texted me at all to let me know about the claim against me. I was told that they ( Wells Fargo ) received the claim XX/XX/XXXX and judgement was ruled and I was debited XX/XX/XXXX, which makes absolutely no sense. I was even told that they notified me by mail ( which was mailed out XX/XX/XXXX ), but I made my calls XX/XX/XXXX when I found out. I didn't receive that letter in the mail until XX/XX/XXXX. Wells Fargo made no attempt to contact me to make an appeal of some sort. I don't feel safe with my funds being banked at Wells Fargo no longer, after I was instructed that it was safe to use their app to complete cash transfers. I was also told out of sarcasm ; that if I bought multiple items on third party apps -ie. XXXX, XXXX, XXXX, etc., and I reported as fraud as well that I would get my money back the way she ( the consumer ) did to me. She ( the consumer of my XXXX ) now has my phone and her money. I am extremely irate, and I feel Wells Fargo handled this situation unprofessionally, and I feel Wells Fargo should be held accountable.

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 2022-12-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Complaint:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Complaint:
I have been victim of identity theft, I have disputed with Transunion multiple times to remove accounts that were not opened by me. The following accounts still show in my report and are not removed 1 ) XXXX XXXX  XXXX XXXX 2 ) XXXX  3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX I do not understand what more information i need to provide for them to close the accounts mentioned above.

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 2023-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
Good morning, In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 purposeI have previously requested the credit bureaus there are constant inconsistencies in my credit reports, date opened, last reported, date last active, date of last payment, & payment history. I've tried multiple times to handle this with no success. They did not properly verify report and there are multiple inconsistencies. I've requested documentation with my signature to verify the account. They have not provided any of these things. I have attached screenshots of these accounts from my credit report to show they did not verify these accounts and I demand that they are removed.

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 2022-09-15
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: Experian Information Solutions Inc. (NJ)

Complaint:
On XXXX, XXXX, after pulling my credit report, I notice multiple unknown accounts on it that did not belong to me, doing my own research and asking for some help to dispute from a friend of mine, he recommended me to start disputing the inaccurate information, So I did, months went by and I was able to remove some of the accounts, unfortunately, on XX/XX/XXXX, I pulled my updated credit report and I saw a new erroneous collection account on it, I am reaching now CFPB website to file a complaint for this account that is not mine, I am expecting XXXX XXXX XXXX XXXX  '' to be remove from my report because I am not the debtor of this account, hopping for good results to come in my next update credit 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 2023-03-05
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. (NY)

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 explanation
Consumer complaint received 2017-12-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (UT)

Complaint:
The company is USAA. Everytime they have contacted me I have told them to work with XXXX XXXX XXXX who I am using for debt consolidation. Example dates XXXX XXXX, XXXX, XXXX XXXX, XXXX. 

I informed them that I was working with XXXX XXXX  and to talk to them. I seperately called XXXX XXXX on XXXX XXXX and confirmed they had spoken to the settlement department at XXXX XXXX 

However, USAA continues to try and contact me. I actually spoke with a manager there, and set up a date, also XXXX XXXX, for them to call me at XXXX my time at which time I planned to get them and XXXX XXXX on the phone together. Instead, I got no phone call on the XXXX or XXXX, and got another missed call this morning at about XXXX ( ca n't answer because I 'm at work so I declined the call ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05
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: Experian Information Solutions Inc. (TN)

Complaint:
XXXX/XXXX Date : XX/XX/2018 Inquiry Type : Unknown - Credit Extension, Review, Or Collection I did not authorize this inquiry

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 2020-11-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MI)

Complaint:
Ive received a letter of deletion and this company continues to resubmit this debt that Ive never owed, damaging my credit for the fourth time, this is very exhausting especially in the middle of closing on a house during a worldwide pandemic, which Ive stated before in the beginning of my home buying process months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
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. (TX)

Complaint:
In accordance with the Fair Credit Reporting Act XXXX, Transunion, and XXXX has been violating my rights : 15 USC 1681 sec 602b I have a right to my privacy 15 USC 1681 sec 604a communication. reporting agency can not furnish my information without my written consent XXXX XXXX  XX/XX/XXXX I don't know of this account that is paid - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I don't know of this account that is paid - 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 2022-10-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect (GA)

Complaint:
Americollect called me on XXXX XXXX, XXXX, at XXXX XXXX and I could not answer the phone for them. I checked my credit, and it shows them 6 times on my credit report ; three of them are the same amount. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for the amount of {$680.00}. They also have XX/XX/XXXX - {$560.00}, XX/XX/XXXX - {$710.00}, and XX/XX/XXXX - {$1000.00}. In the state of Georgia, the debts are actually uncollectible after 4 years and these collections are over the 4 years mark. Also, I did not give my content nor do they have anything written nor signed by me that they have the authority to be collecting old debts nor have I given them any of my information. Due to this situation, I am not being accepted to open a joint account with my husband.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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. (GA)

Complaint:
Identity Theft Report Attached The following accounts and inquiries are fraudulent and the creditor agreed to remove it from my equifax credit report Fraudulent collection account Equifax XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Fraudulent Equifax inquiries XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
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: Advantage Credit, Inc. (CA)

Complaint:
Hi was in touch with Director of Mortgages XXXX XXXX at XXXX XXXX in XXXX XXXX to be notified of rates based on my income. I confirmed to him that the information would be used from a soft inquiry on my credit information. However when I was notified by XXXX XXXX that a hard check took place by his companys third party vendor XXXX, I was unable to get a resolution for removing the inquiry from him, his staff, or other credit solution contacts he referred me to. It has been several months with no resolution or action done by his team to resolve this non-consensual hard check on my information.

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

Complaint:
on XX/XX/XXXX, I purchased a plane ticket from XXXX XXXX for my sister XXXX XXXX. She was scheduled to fly on XX/XX/XXXX. When Covid 19 hit, she called her physician to see if it was ok for her to fly. Since she is XXXX XXXX XXXX and has XXXX XXXX XXXX XXXX he advised her not to fly because she is high risk. The ticket was cancelled on XX/XX/XXXX via XXXX customer service and was advised a refund would be issued with a letter from the dr. A letter was sent to XXXX and Chase credit card for a refund. I received an email from XXXX showing a refund was completed on XXXX. I have sent several copies via email and fax to Chase but as of today I have not received the credit. The amount is {$260.00}. I have called 3 times and all I get is that I need to resubmit the dispute. It was submitted in XXXX, and XX/XX/1920, XXXX and faxed XXXX. They have a copy of the physicians letter and the email showing the refund approval from XXXX. I do not know where else to turn in getting this issue resolved. I would greatly appreciate any help you are able to provide with a resolution. Thank you for your kind consideration. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
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. (AR)

Complaint:
After pulling my report from a mortage lender i noticed the debt on my credit profile. After reviewing the report i saw an account with a balance over XXXX. I knew that it couldnt have been mine. So Im am submitting a dispute to get it removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
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:
This is my fourth 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 alleged fraud or extortion. 
XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/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 2022-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/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 2023-04-20
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. (MI)

Complaint:
The credit bureaus has clearly neglect to provide me with an accurate credit report I submitted countless documents to proof my identity, I have been a victim and the past and present of identity thief, I have submitted valid police reports on these fraudulent accounts even contacting the creditors of these matter. Going as far as filing a FTC report as well on these matters. I have spoking to all 3 credit bureaus about these fraudulent accounts and charges on my credit report collection account XXXX XXXX XXXX is fraudulent account {$1400.00}, faccount name XXXX  XXXX fraudulent account charges {$1000.00}, XXXX XXXX  XXXX XXXX  fraudulent account and charges {$910.00} and {$1200.00} XXXX XXXX fraudulent account XXXX XXXX XXXX XXXX account is a inaccurate account ( this account is pay as agreed ) which documention was send to the bureaus., do to the credit bureau not updating my correct address, correct phone number and personal information has allowed these fraudulent accounts to damage my credit, the bureaus nor the creditors hasnt provide my accurate information, my personal information in my credit file is wrong, they have allowed these creditor to surpass the statue of limitations on these accounts, not verifying the accurate information I have provide to them. They have insist to report inaccurate address, phone numbers, emails, which I have provide documentation proof of residence and ID to proof, the creditor is wrongful accusing me of these fraudulent accounts Im the victim, thats providing proof, and has ask the bureaus countless times and send letters to delete these fraudulent accounts, they have allow the creditors to not provide information, verifying these fraud account not updated my credit with the accurate information by my request which I have clearly has provided a driver license and lived attorney documentation residence for over 20 years. I have show proof of fraud, and have substain damage to my credit report due to countless violations on the bureaus part by not providing me a accurate credit report poor investigation when documentation was provided to rid these fraud accounts,, the bureaus are in violation of 15 US code 1681 ( a ) and ( I ) 15 US code 1681 C-2 15 US code 1681 ( d ) and ( c ) 15 US code 1681i ( a ) and ( 5 ) 15 US code 1681m ( c )

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 2017-07-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Complaint:
On XX/XX/2017 I submitted a list of items that were unknown to my records and also unverifaible. I waited on a response and after 2 months I have 0 results.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Complaint:
I received my credit report on XX/XX/XXXX and noticed there were Hard inquiries that don't have permisible purpose to be on there. These Hard inquiries are hurting me in getting approved. I already reached out to the credit bureaus about this multiple times, they keep violating my rights under15 USC 1681b. The Hard inquiries that are in question are the following : XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX Inquiry date : 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