hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (MI)

Complaint:
BMW is reporting incorrectly to XXXX   ; XXXX and XXXX a prior delinquency in XX/XX/2017 on the BMW FIN partial account number XXXX. ( Please see page attached from my credit report. ) I make this monthly payment via XXXX XXXX XXXX payment system. I set-up when the payment should be sent and per the customer service agreement, XXXX guarantees payment to be remitted and credited to the account specified in a timely manner. When I was made aware that this payment never reached BMW on or before the due date, I immediately contacted XXXX XXXX XXXX. The representative I spoke with assured me that the payment was sent out and that BMW should have received in on time. Unfortunately, the payment was not sent out timely, which was through no fault of my own, and I was zapped with a late payment. I have an excellent payment history with BMW and respectfully request that BMW contact the ( 3 ) bureaus and have this prior delinquency removed from my credit report. This incorrect reporting is harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
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. (NC)

Complaint:
Transunion are reporting inaccurate and incomplete credit information. I sent in a dispute letter explaining this and received inaccurate results, I also asked Transunion to verify these accounts by sending an original consumer contract with my signature on it for each account and receive not one.

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 2023-05-31
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: Maximus Education, LLC dba Aidvantage (TX)

Complaint:
In accordance with the fair credit reporting act credit ( XXXX XXXX XXXX XXXX XXXX ) has violated my rights,15 u.s.c1681 section 602A. states Ihave the right to privacy 15u.s.c 1681 section 604A SECTION 2 ALSO STATES A COMSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH OUT MY WRITTEN INSTRUCTION ... .NULL

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: National Credit Adjusters, LLC (TX)

Complaint:
My account with National Credit Adjusters was paid in full. ( See attached ). The loan was a payday loan from The XXXX XXXX XXXX {$1300.00}. It is showing closed and with a XXXX  balance from the attachment from XXXX XXXX that was reported by XXXX. It is still showing in collections from XXXX XXXX, XXXX, XXXX, and XXXX. I called the ( 3 ) credit bureaus to have them to remove it, but the representative told me that I need to provide them a letter from the creditor showing that it should be removed or deleted from collections. I mailed the ( 3 ) credit bureaus the paid in full letter. I would like help of removing it from collections on all ( 3 ) credit reports. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

Complaint:
I was reviewing all three of my credit reports a couple of weeks ago and noticed my auto loan with XXXX XXXX was all of the sudden not on any of my reports as it had been since I opened it XX/XX/2019!! I contacted XXXX XXXX and spoke with XXXX XXXX at the corporate office XXXX. She assured me it was a large company wide issue with an update they did which caused the system to somehow lose and not report hundreds or more accounts and that they are in the process of correcting and updating all with the credit bureaus! She sent me the account verification showing information for my account and said I should contact the bureaus to update and add it back on as they are also going to do! The bureaus should have noticed this and let me know they can see it had been reporting regularly for years!! This lowered my credit score too!! I told XXXX XXXX I am not closing my prior complaint until all is corrected! Here is the information I want all three credit reporting agencies to add all back on to my reports and send me a corrected and accurate full report by mail after they do so!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (OK)

Complaint:
XXXX XXXX XXXX listed a collection on my credit reports that had been placed with XXXX XXXX XXXX. I requested debt verification and have not received it. I canceled service due to a move and returned all equipment to a local XXXX XXXX XXXX store. I do not owe this debt and demand that it be removed from all 3 credit bureaus immediately. I disputed this previously with XXXX and they stated that XXXX closed the account as disputed by consumer and said that they deleted any tradeline reported on behalf of XXXX XXXX XXXX XXXX XXXX Despite this, it is now back on my credit report. Delete immediately or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-03-11
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. (NY)

Complaint:
These are not my 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 explanation
Consumer complaint received 2021-12-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Complaint:
Again, Portfolio Recovery HAS NOT submitted the data to the credit reporting agency as they stated. If so, then the data would have been removed immediately like it was described by the Credit reporting agency once they received it from the creditor. Like I previously stated, they said it would be removed. It is not. it's passed the 30 days they have not updated it as paid or attempted to remove the credit line. I will continue to open a CFPB dispute until this is resolved or they are in prison for making false statements. I want them to furnish the transaction ID provided by XXXX showing that they actually sent the data. There is a transaction ID for all data submitted to the credit reporting agencies. It is there specifically to provide a tracking number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
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: 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 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 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( 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 response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

Complaint:
On XX/XX/XXXX, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate late payment listed on my credit reports for XX/XX/XXXX regarding Wells Fargo Bank, account number XXXX, by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and XXXX. USPS verified that all my requests were received. To date, I have not received any compliance/information/proof or verification method to my requests within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (FL)

Complaint:
My mother passed away XX/XX/XXXX. My father passed away XX/XX/XXXX. After receiving my father 's death certificate, I went to Wells Fargo bank to have the account closed on two separate occasions. The first time was after my father passed away, and then a second time after I kept receiving bank statements showing that Wells Fargo was steadily charging monthly fees regardless of me personally providing the bank copies of my parents death certificates on two separate occasions. Wells Fargo intentionally allowed the account to remain open to deplete the account of its funds. Each time I provided the original death certificates, Wells Fargo kept my parents ' account open. I was the caregiver for the both of my parents. My parents made little money, and to see a financial institution continuously take money from poor people was unethical. Wells Fargo refused to close account and continued to send monthly statements to my home. I stopped opening the statements as it was painful to see what the Bank was doing to me. My son was diagnosed with XXXX XXXX. At the time, I wanted to retrieved the money for my son, as my son was named after my father and my parents considered my son as their own child. 

At the time of my father 's death, the checking account balance was around {$1200.00} ; however, Wells Fargo only sent {$440.00} to Unclaimed Property. I would like Wells Fargo to do the honorable thing and return all monies taken out of account ; as I was told by their employees that the money would be returned. Although, I think they lied about that too. I considered Wells Fargo actions as the rich stealing from the poor. No government agency should allow such unethical behavior to go unpunished. Please help!

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 2018-12-15
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. (CA)

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX : XXXX XXXX XXXX   Dear Credit Bureaus, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I HAVE INCLUDED DOCUMENTS OF PROOF ABOUT THIS COMPANIES ERRORS, AS THEY HAVE IGNORED MY DISPUTES FOR NEW REPORTING OR DELETION.

1 ) THE BALANCE IS INCORRECT : I HAVE ENCLOSED THE CORRECT BALANCE PROVIDED FORM THE COMPANY AND YOU CAN SEE ITS WRONG ON MY CREDIT REPORT 2 )  THEY HAVE REFUSED TO REMOVE MY LATE PAYMENTS ( WHICH WERE LATE DUE TO AN ERROR ON THEIR REPORTING SYSTEM ) EVEN THOUGH THEY VERBALLY SAID THEY WOULD. I WAS PROVIDED A REFRENCE # ON XX/XX/XXXX 3 ) AS OF XX/XX/XXXX THEY REPORTED I OWED THEM {$0.00}, WHICH WAS TRUE, THEN LESS THAN ONE MONTH LATER ON A CLOSED PREPAID ACCOUNT I SOMEHOW INCRUED {$140.00} OF CHARGES? INCORRECT REPORTING MONTH AFTER MONTH ON MY CREDIT REPORTS 4 )  KNOWINGLY REPORTING INNCORECTLY AGAINST ME I am distressed that you have included the ABOVE information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum accuracy in the credit reports you publish. BECAUSE OF THEIR NEGLIGENCE, XXXX XXXX CLOSED MY CREDIT ACCOUNT WITH A LIMIT OF {$1500.00} WHICH HAD A {$0.00} BALANCE. CITING RECENT NEGATIVE REPORTING AGAINST ME ON MY CREDIT REPORTS. THIS IS DIRECTLY BECAUSE OF XXXX   XXXX  INNACURATE REPORTING OF MY ACCOUNT WITH THEM. 

I respectfully request to have all negative information they reported against me removed and the late marks must be deleted from all 3 bureaus reports as soon as possible : 60 days past due and the 2 months of late payments and the balance I do not have reported as {$0.00}. Which is incorrect as they actually owe me {$200.00}, as it was a secured card and I made all the payments in full and on time every month this card was open. This item is completely inaccurate and incomplete and is a very serious error in reporting. Please supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber you notified to me within 15 days. 

Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
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: Experian Information Solutions Inc. (IL)

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, please correct the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion : XXXX XXXXXXXX XXXX XXXX Balance : {$27000.00} ; XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$27000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
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. (GA)

Complaint:
In accordance with the Fair Credit Reporting act 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.

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 2023-04-10
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Complaint:
An account with Capital One was opened in my name on XX/XX/XXXX. The account was opened as fraud. Per conversation with the Capital one, the rep said the account could have been opened under my social security number as a authorized user. The account was also opened in Florida. I've only ever lived in Georgia. Also, whoever opened the account used a Florida address and that is also on my credit report. I am a victim of fraud. Also another account was opened in my name on XX/XX/XXXX. I haven't created any accounts since opening my only credit card in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Product: Credit reporting 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:
XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX # XXXX I noticed some inaccuracies in the copy of my credit report. This is not a credit transaction and should not be reported on my credit report. Also what is being reported are in accurate. Please remove 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 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2017-09-09
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. (TX)

Complaint:
Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. The company set up a website, www.equifaxsecurity2017.com, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection.
Our records are among those that may have been impacted, according to the website.
We did NOT opt in to the XXXX XXXX credit monitoring and we do NOT consent to arbitration with Equifax regarding this incident.

Company response to consumer: Closed with explanation