hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-11-14
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. (AL)

Complaint:
I recently checked my credit report and discovered multiple billing errors. Billing mistakes under US 15. Code 1666 ( b ) is the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or credit extended to the debtor. a computation error or other accounting error made by the creditor on a statement There should be no late payments on these accounts because, as far as I can tell, the creditor did not give me a statement 21 days beforehand. Because these are obviously billing errors, I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and were considered past due. The disputed accounts are listed below. 
XXXX XXXX  Account # : XXXX Balance Owed : {$1500.00} Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Balance Owed : {$7800.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-27
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. (NV)

Complaint:
equifax has XXXX as a negative?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (TX)

Complaint:
I have been charge overdraft fees for years sometimes they would make a overdraft by waiting before they take the money out of 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
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

Complaint:
the account XXXX for XXXX is unknown to me, also the the account XXXX XXXX XXXX is clear violation of 104-91 HIPPA since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due. In addition the new XXXX XXXX XXXX states : when patients pay out of pocket in full, they can instruct their provider to refrain from sharing information. This letter serves as that instruction.

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 2022-11-27
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. (DE)

Complaint:
I have sent several certified mail attempts to try to resolve these issues XXXX XXXX XXXX  has continued to violate my rights per FCRA i am requesting that this account be removed immediately at this point I intend to seek legal action due to the length of time interest rates and agony this has caused me here is proof XXXX XXXX and XXXX have removed this account to incorrect and non-verification over a year ago

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 2019-06-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Complaint:
I spoke with Bank of America on XX/XX/XXXX. There was {$1500.00} in unauthorized transactions done from various online businesses. I told them to cancel the card and these transactions were never allowed. 

They credited me back this amount. Now today I receive a letter in the mail that says they are retracting on what they said. They are removing the credit, going to take {$1500.00} out of my account which I don't have and they even allowed one of the transactions to be posted to my account again! 

They charged my account on XX/XX/XXXX from XXXX one of the charges I challenged and said was never authorized for {$27.00}, then they charged me an overcharge fee of {$35.00} to boot! 

This is so illegal, fraudulent and they should be sued for deceptive business practices. 

Also I tried to make a deposit in the amount of {$750.00} written out in a check. Bank of America rejected the check. The check didn't bounce. There were funds in the other account as this was my account. This then caused me to be over drafted several times resulting in another {$210.00} in charge fees.

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 2023-05-23
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. (NC)

Complaint:
This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (GA)

Complaint:
I received a letter from Nelnet, congratulating me on my loans being paid in full. But Nelnet keeps adding balances and subtracting balances to my account. This is adversely affecting my credit score! I 'm in the middle of financing and their frequent updates are detrimental to this process. Also, I want all loans older than 6 years off my credit report, as that is more than the SOL for my state. I need this done ASAP as Nelnet is doing illegal and reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
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. (UT)

Complaint:
The credit bureau is showing my XXXX account 30 days past due. This is inaccurate information. I have never been late

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 2023-08-01
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. (OH)

Complaint:
This is my THIRD DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports The accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : -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 non-monetary relief
Consumer complaint received 2020-02-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. Auto Sales Inc. (GA)

Complaint:
For the 3rd time since having this car the loan company has taken full payment for the month the loan company then cuts the car off manually so that Im not able to go to work nor take my children to school. Hugh inconvenience to my life and it cost more money from myself. This loan company has also added XXXX dollars to my loan after a year of having the car and never sent me a reason. I am now stuck home and unable to go to work because the company cut the car off. After I made a payment on XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
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: EQUIFAX, INC. (FL)

Complaint:
My wife and I were XXXX from our chapter XXXX bankruptcy which included a reaffirmation agreement for our home mortgage in XXXX of XXXX. We noticed that in XXXX of XXXX, our mortgage company XXXX XXXX stopped reporting our payments to all 3 credit bureaus so we questioned our Bankruptcy XXXX. They told us that yes, our bankruptcy was XXXX in XX/XX/XXXX but our Trustee was still dispersing our tax money to creditors at that time so our file was still open but he had just finished so it was closing and XXXX XXXX would need to begin reporting and backdate. Well by XX/XX/XXXX, XXXX XXXX still wasnt reporting and I had already filed disputes with the credit bureaus about it on XX/XX/XXXX given case number XXXX with XXXX and XXXX with Equifax ( XX/XX/XXXX. ) On XX/XX/XXXX, they came back saying it was accurate information being supplied by XXXX XXXX ( XXXX XXXX was reporting that my account was reporting our account as closed and XXXX in chapter XXXX. ) I disputed a second time and attached a copy of our reaffirmation agreement explaining that it was NOT included in the bankruptcy and that it needed to be updated as open and current. XXXX  promptly deleted the entire account from my credit report. Equifax eventually updated the status to reflect our account as open and current, but doesn't show any payments made in XXXX. I emailed XXXX XXXX on XX/XX/XXXX with a copy of our reaffirmation agreement demanding they update our credit reports to reflect open and current as it has almost been a year and they are in violation of the Fair Credit Reporting Act. On XX/XX/XXXX, I spoke to XXXX from XXXX XXXX who assured me it would be fixed within a week and to call back on that following Friday. She marked our file Urgent. I called back a week later and spoke to XXXX, who told me marking it urgent meant nothing and that they would get to it when they get to it. Everytime I call them or email them, they extend the waiting period an extra 30 days. I called XXXX and questioned them deleting XXXX XXXX from my credit report instead of fixing it. They said that's their policy and they won't fix it until XXXX XXXX tells them to. XXXX XXXX keeps giving me the run around. I have a reaffirmation agreement that should have allowed it to remain on my credit report with payments being updated!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ResidentCollect, Inc. (TX)

Complaint:
Must be some other XXXX XXXX XXXX I would have definitley rememebered staying in a $ XXXX apartment.. must have been a loft.. 

I have sent Resident collect several documents and requested a full removal of this collection and they refuse to send me confirmation or even take my information seriously. 

I have documented several instances where they 've violated the FCRA, FDCPA, and best of all the FACTA.. guess they really feel like their above reproach.. makes me wonder how many people out there are being slighted or ripped off by this company. 

Attached are my id theft documents. I can upload the times, dates, and other docs on resident collect if it would help prove my initiative to make contact. thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
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:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : 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 an 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 item 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 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 2019-09-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CA)

Complaint:
Midland Credit has called multiple times without leaving a message regarding debt they are not authorized to collect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-06
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. (NY)

Complaint:
An account that was deleted off my XXXX and equifax credit report was re-inserted and put back on my credit reports. This account ( XXXX XXXX XXXX XXXX ) was removed now upon checking my reports it is showing as accounts that are closed and as a charge off. XXXX has it listed under accounts that are closed and marked as needs attention ( which is wrong ). This account was completely removed off my report as it was suppose to be ( according to corporate office over at XXXX XXXX XXXX ). Equifax has it listed just as a closed account but upon reviewing the closed account it shows charged off. This account was completely deleted off my reports and now re-inserted into a different spot. Once deleted they are not suppose to re-insert.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Upstart Holdings, Inc. (TX)

Complaint:
I refinanced my XXXX XXXX XXXX with Upstart around XXXX of XXXX. In XXXX of XXXX, I applied for a COVID assistance payment plan ( they reduced my payments to XXXX $ a month for 3 months ) and was approved. 
Starting that month, they began reporting to credit agencies that I was late on payments. They continued to do so through XXXX of XXXX before Defaulting my account and sending it to Collections. 
This is wrong as they continued to charge me as agreed from XXXX through XXXX, and my account was on XXXX. The only payment that bounced was once my account wasn't sent to collections. 
I have bank statements to prove these charges, and the agreement with the company that I signed. Upstart NEVER contacted me about my account being late, until they closed my access to my account. 
If I was late, how did my autopay not charge me for the late balance? My autopay was set to balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (GA)

Complaint:
Reporting all companies that were never authorized to use/ my pull information. 
View the list below : 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 AMERICAN EXPRESSXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Complaint:
Few Months ago I moved into a new home and I Updated my mailing address with every one, on XX/XX/2018 around XXXX XXXX I received a call I have a past due account on XXXX XXXX which I do not use that often I did explain I just moved to a new address and I never received a bill or statement from XXXX I provided them with my address I asked for a copy of the statement to be mailed to me I asked not to put me on paperless statement. 
I thought the problem was taking care off. 
till my wife found out they are reporting her being late on the payment for more than 60 days and they are reporting me as well. 
we contacted them we asked them to remove the wrong false information about my wife as she is not the owner of this card she did not use it and the charges do not belong to her they decline our request they inform us they are allowed by law to do that but they did not share which law they are talking about. 
I explained to them it seems as they did not send the statement to me I explained to them that they contacted me on XX/XX/2018 I paid over the phone to make the account current and I was waiting for the hard copy statement to check the charges i questioned them why they collected payment from me and reported me the same day me and my wife. they said because maybe the payment took more time to post to the account!!! 
I paid them over the phone so the account could become current and I avoid any late charges or any problems but they still reported me late on payment which reduced my credit score more than 40 points and that will cause me and my business too much harm. they refused to remove the wrong reported information, I paid the account in full over the phone I closed it and I asked them to remove negative information about me and my wife they declined our request.

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 2022-09-02
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: EQUIFAX, INC. (GA)

Complaint:
It appears that my credit file has been compromised. I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for 3 Credit Bureaus ( learned through more research both parties require ). Please block/remove these files as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXXXXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
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: CITIBANK, N.A. (NJ)

Complaint:
In accordance with the fair credit reporting act XXXX  Account has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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 2022-09-02
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: EQUIFAX, INC. (AZ)

Complaint:
XXXX is fraudulently reporting on my consumer report without written consent or authorization to report. XXXX has not provided a signed contract between XXXX and XXXX XXXX that give authorization to report on my consumer report. Requesting that this company be removed from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
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: JPMORGAN CHASE & CO. (IL)

Complaint:
I have noticed that they have placed some inquiries on my XXXX  credit file on the date listed below that I never authorized and your Person is therefore in violation of federal statute : 15 U.S. Code 1681b regarding Permissible Purpose for accessing consumer credit reports. Additionally, these inquiries are reporting verified to 3B but provided no verification of my authorization. 

JPMCB CARD XX/XX/XXXX ; JPMCB CARD XX/XX/XXXX ; JPMCB HL XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation