hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2019-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Complaint:
I would like my personal information on file to all credit bureaus be updated correctly : Update my address. 

Update ny name. 

Update my employment. 

I've reported these issues and they are still being ignored incorrectly over and over and over again. 

I do not wish to have any telephone numbers on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my 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 2021-07-01
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. (SC)

Complaint:
I just got a alert that I have a collection on my credit report. I dont owe anyone for the account that I noted, I have asked to remove but the company think I am playing. The company is XXXX in the amount of XXXX XXXX I dont owe any balances to this company. it must be someone else. Please remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Risecredit, LLC (SC)

Complaint:
Rise Credit under the name XXXX XXXX XXXX sent dated XX/XX/2022 trying to collect a debt for a total of {$4000.00} which is a misrepresentation because you can't pay on a positive balance. They have willfully violated several laws. 
Fact 1. They are committing Identity Theft using pursuant to 15 USC 1681c-1 Fact 2. They are causing harm to my reputation by reporting inaccurate information on to my consumer reports pursuant to 15 USC 1692d ( 1 ) Fact 3. They are showing false representation implicating that I owe on a positive balance Pursuant to 15 USC 1692e ( 2 ) ( A ) Fact 4. False and deceptive means using to collect an alleged debt stating " Take Advantge of These Great Offers '' 15 USC 1692e ( 10 ) Fact 5. False and deceptive using another business name " Real Time Resolutions '' and " Rise Credit of South Carolina '', 15 USC 1692e ( 14 ) Fact 6. Under 15 USC 1692b ( 5 ) not use any symbol or language on an envelope or in the contents by the mails or telegram that indicates that the debt collector is in the business of collecting debt. They display a logo XXXX XXXX XXXX and in the contents is states that " this is an attempt to collect a debt. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION (AR)

Complaint:
On XXXX of XXXX, my auto-draft function did not go through by no fault of my own. I spoke with someone at the time who called to collect, I explained the situation, she informed me that it had already reported delinquent. I escalated the issue, created a ticket, spoke with someone in IT whos acknowledged error. However, they insisted that I was legitimately late. I disputed the negative report twice ( I believe ) with the bureaus, and Regions claimed no error occurred and I continued to be reported as late. Today, XX/XX/XXXX, I received a letter from Regions Bank with a check for {$41.00} and an explanation that between XXXX, they have determined that their recurring payment system did not work as expected and failed to make a payment to my card as I have requested on one/more than one occasion. I paid dearly for this error as it hindered my ability to refinance my mortgage at a time of divorce and I have more than paid an unfair price for credit due to the near XXXX points dropped in my credit score. I just checked my report today and it STILL reflects 30 days late despite their acknowledgement of their fault. I want it fixed on my credit immediately and I want paid more than the {$41.00} they think they owe me for denying my dispute on more than one occasion then claiming responsibility 6 years later.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
I purchased a used car from XXXX XXXX XXXX  XXXX. I make my payment every XXXX  weeks as stipulated in my contract. The credit bureau shows my monthly payment is {$480.00} each month. The dealer/ in house finance says my payment is {$220.00} every XXXX  weeks. 
I have never missed a payment, The credit report reflects my payments late XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. My credit is ruined. I called the Business Manager XXXX XXXX several times, advising him to correct these mistakes. He has done nothing. I wasn't given a XXXXruth In Lending document to break down the interest and finance charges This was never provided.

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 2021-05-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Berman & Rabin, P.A. (TX)

Complaint:
Received several phone calls from a XXXX XXXX from Bermin and Rabin, PA, regarding a debt I have no knowledge of. Repeated phone calls to my workplace with threatening abusive language placing my job at risk.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
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. (IL)

Complaint:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my 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 non-monetary relief
Consumer complaint received 2023-03-19
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. (MO)

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 U.S.C 1681. 

Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX  Acct Service # XXXX, Account Name : 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 and other adverse item of information, other than 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 any 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 2023-01-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Complaint:
My online ID was hacked and changed and money was XXXX to another person without my authorization on XX/XX/2022, I called the bank to have the transaction canceled but they said they did what I had asked them to do which I did not, the bank froze my online ID upon multiple logins that day between myself and the scammers to gain access over me they managed to change my Id login and change my number from the accounts. I have had the same number for over 15 yrs, I never authorized these changes, the other persons were in a different state and city and had different phone carriers than mine which I longin ' almost on the daily, I can not believe BofA would allow this to happen to my account which I have had for more than 20yrs. their fraud dept did not do its work on protecting me from an unusual activity I have never used XXXX from these accounts.

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 2018-10-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Complaint:
I am having problems with opening checking account online with Bank of America, i am not seeing any problem that may prevent Bank of America approve my online request for opening Core checking account. 

Application numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
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. (CA)

Complaint:
These are not my accounts, nor did I authorize these companies to run my credit. Additionally, there are addresses and names that I don't recognize on my personal profile. Please remove 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 explanation
Consumer complaint received 2022-08-11
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. (PA)

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: STEWARD FINANCIAL SERVICES LLC (FL)

Complaint:
This vehicle was paid for and account should be closed

Company response to consumer: Untimely response
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating The Fair Credit Reporting Act. 
According to 15 USC 1681i ( 5 ) The credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681 b ( 1 ) The credit bureaus don't have no written permission.

According to 15 USC 1681 I have the right to privacy.

According to the USC 1681 s-2 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.

( B ) Reporting Information after notice & confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2015-10-01
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: JH Portfolio Debt Equities, LLC (CA)

Complaint:
I have a pending complaint against this company. They are trying to obtain debt verification documents - as they do not have them. Despite not having them, during the past month they have affirmed XXXX that their tradelines are reporting correctly XXXX after I disputed them XXXX. THIS IS A SEPARATE DISPUTE FROM MY EXISTING DISPUTE. This is an outrage and an egregious abuse of the credit reporting system in the US. I demand the immediate removal of these tradelines until this dispute is resolved. How can they affirm their tradelines to these bureaus when they have admitted that they do not possess the needed documents? They should be sanctioned for this abuse of the credit reporting system. This is why the credit reporting system in this country is plagued with problems, they simply accept as truth everything they are told by third parties!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
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: EQUIFAX, INC. (FL)

Complaint:
I have resorted to submitting this complaint because the bureaus have been ignoring my disputes and I have not known the status of them. So the bureaus have 30 days to respond and I have been submitting disputes since XX/XX/XXXX without any response from the bureaus. I hope you can help me resolve this situation with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
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: EQUIFAX, INC. (GA)

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO. (KY)

Complaint:
XXXX XXXX, I contacted XXXX and was approved for a $ XXXX loan. I selected XXXX XXXX XXXX. XXXX XXXX ( salesperson ) said the car will be delivered within 14 days. 

- XX/XX/XXXX, I received a bill ( Chase ) for a payment due on XX/XX/XXXX. Why am getting charge and I did not receive the car? I contacted XXXX, a representative said, they will contact me within 48 hours. No response within 48 hours. 

- XX/XX/XXXX, the car was delivered. The driver has a language barrier ( Portuguese only ) so I had to go to the XXXX dealership to get instructions about the vehicle. 

-XXXX XXXX, I contacted XXXX XXXX Tier 2 rep said, someone, will contact me with 48 hours regarding the concerns listed below. 

1. I am getting a finance charge a finance fee since XX/XX/XXXX per Chase bank. 

2. The hybrid battery is dying quickly. 

3. Upon delivery, the car was very dirty ( inside & outside ) cracked in the front windshield -As of XX/XX/XXXX, I am still waiting on a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

Complaint:
I continue to receive calls for a payday loan ( Ace Cash Express ) I took out in Texas but had since received a letter from them years ago stating that they had discharged the debt. When offering to send them a copy and asking for their address or email they will not provide and start cursing me and threatening legal action. The do not cease to call me eventhough I requested they send everything to me in writing in which they have not for months now. They just keep calling and harrassing me and not giving me any recourse to present evidence of debt not owed and no proof presented to me that the debt is still owed, which it isn't because I believe they went out of business in Texas or got sued for practices or something but the letter was sent to me while I was in Texas of the debt being discharged. I'm sick of the calls, the harassment and the rudeness! 
It starts off as a robo call press # XXXX to be connected then it connects and then they give you your dob and name and verify it's you then when you say i've received multiple calls and have tried to get an address to send proof they start cursing and telling you that " you seem very angry '' and berating you and telling you that they don't need to give you an email or address that they are going to file a civil judgement against you and threatening you. But they give no means to send proof of debt not owed. It's harrassment!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
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: FIRST NATIONAL BANK OF OMAHA (CA)

Complaint:
On XX/XX/2022 I had submitted a complaint against FNB OMAHA inquiry on my XXXX Credit report ( Cfpb Complaint # XXXX ). The original date of the inquiry was XXXX XXXX. The company did respond on or around XX/XX/2022 that they will send a request to XXXX to have the inquiry removed. 

Upon checking today, XX/XX/2022, the inquiry still remains on my XXXX Credit report. I would like this Inquiry removed ASAP as FNB OMAHA had promised. 

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 explanation
Consumer complaint received 2020-09-23
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: EQUIFAX, INC. (NY)

Complaint:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
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: Bread Financial Holdings, Inc. (CA)

Complaint:
Hello there, So on XX/XX/2023, I received notification from my bank and XXXX XXXX app stating you had a single hard inquiry on your XXXX credit report, and while I opened my credit report, I saw there was one hard inquiry from COMENITYCAPITAL/SEPH on XX/XX/2023. When I XXXX it, I found this is the Sephora credit card, but I never applied for this card and have not even applied for any other credit card or loan since last 6 months. 
So please dispute it and suggest to me what to do about this theft of my personal information. 

Thank you.

Company response to consumer: Closed with non-monetary relief