hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2019-12-08
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. (OH)

Complaint:
I have sent numerous letters to this specific credit bureau, and have not gotten the results I've asked for. I have a significant amount of delinquent accounts on my credit file that does not belong to me due to identity theft in 2012, I have asked them to investigate and remove these items from my credit file but they are not holding back. I have also asked for PROOF OF DOCUMENTATION THAT BEARS MY PHYSICAL SIGNATURE once the investigation is complete and they have not sent me that proof either. 

I'm in desperate need of help from the CFPB, due to the fact that this has been hendering my life and I cant get approved for a home loan that I've applied for do to these negative items on my credit file, and the credit bureau won't do anything about it. 

The accounts below that are listed, I'm asking that you do a final reinvestigation and if you say the accounts belong to me, XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX   XXXX XXXX - XXXX - XXX XXXX  - XXXX XXXX XXXX XXXX XXXX PLEASE SEND ME AND THE CFPB, PHYSICAL PROOF OF A CONTRACT OR DOCUMENT BEARING MY SIGNATURE. THATS ALL I'M ASKING FOR!!!!! 

PLEASE SEND ME AND THE CFPB, PHYSICAL PROOF OF A CONTRACT OR DOCUMENT BEARING MY SIGNATURE. THATS ALL I'M ASKING FOR!!!!! 

PLEASE SEND ME AND THE CFPB, PHYSICAL PROOF OF A CONTRACT OR DOCUMENT BEARING MY SIGNATURE. THATS ALL I'M ASKING FOR!!!!! 

THIS IS MY LAST RESORT, IF I DON'T HAVE THESE ITEMS DELETED, YOU CAN CONTACT MY LAWYER TO WORK OUT A SOLUTION TO AVIOD LITIGATION. MY LAWYER CONTACT INFORMATION IS LISTED BELOW. 

XXXX XXXX Attorney at Law XXXX XXXX XXXX XXXX XXXX OH 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 2021-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (FL)

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to THE 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. 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 non-monetary relief
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NC)

Complaint:
On my birthday XX/XX/2022 a foreign person had got access to my account at Wells Fargo and used XXXX to tamper in my account sending themselves XXXX and transfered money from my savings to my checking in the amount of XXXX but I saw this and wells fargo team transfered that back.I had to wait seven days to get the XXXX back was disappointed and upset at why my bank didn't see that as fraud attempt.

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 2022-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelnet, Inc. (SC)

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Complaint:
I have recently reviewed my consumer reports and I have found that there are items that should be excluded from my consumer reports pursuant to 15 USC 1681a ( 2 ) ( B ). This federal law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card should not be in my consumer report. To have no misunderstanding of the true definition of the lawful meaning of what a " credit card '' is I will state it. Pursuant to 15 USC 1602, a credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. By willfully not complying with these federal law makes them civilly and criminally liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX  ( Original Creditor : 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 2022-12-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (IL)

Complaint:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) Violation of the FDIC Consumer Compliance Examination I am aware of your violations, and I am prepared to protect myself and my rights from unscrupulous collection agencies.

On my credit you have willfully reported an unverified and disputable debt to the credit bureaus and that is a violation of the Fair Credit Reporting Act. You have failed to verify the debt as accurate ; you have provided no proof of this alleged debt.

I highly doubt that this debt is worth your agency 's license and the fees and penalties for violations of the FDCPA. There is no question that you willfully violated my rights and that I could bring charges against you immediately. However, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actions.

I did not receive anything absolute proof from you, and you did not provide anything by the original creditor.

I will take action against you for these violations and abuse. 

Remember, the debt buyer must be able to provide me with a copy of an assignment of the debt that specifically includes the debtors. A competent and valid evidence that I have some contractual obligation to pay you. 

Which you failed to do AND you posted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: MRS BPO, LLC (MI)

Complaint:
I moved from XXXX Mi to XXXX Mi XXXX XXXX 2015, never miss a months credit card payment ... late a time or to. On XXXX/XXXX/15 I open a saving and checking account aat XXXX XXXX XXXX. On that same day, went straight to XXXX county Veteran Affairs office. to ask if I could Please have my routing number and account number fax to the XXXX V.A. office in XXXX Mi. XXXX XXXX told me they operate on tax dollars and they could not do to much. I ask XXXX if he could just fax the info he turn and walked in to his office so i ask him to do his job. I went across the hall to the XXXX XXXX leage power of attoney XXXX XXXX. Said he really did n't quite know how do he got on the phone made a call .ask if the info was right and he would I explained I was great full cause it had to be in before XX/XX/XXXX. the secretary, XXXX and XXXX did n't fax it until the XX/XX/XXXX. So I had to miss a months credit card payment. Now it have collection angency calling late fees pilling up. what should I do it 's really not my err. they just did n't do there job.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
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: Experian Information Solutions Inc. (IL)

Complaint:
I am a victim of identity theft please remove this fraud inquiry 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 2022-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Upgrade, Inc. (GA)

Complaint:
I made a credit card payment for XXXX on XXXX XXXX and only XXXX was applied to the payment and Im not sure where the XXXX was applied to because on the statement its doesnt show any details where my money was applied. The interest rate 29.49 % which I believed the XXXX was applied to interest. I reached out to customer service and the representative said she have no details about my credit card account I will need to sign in to my account and calculate it myself. I need some type of resolution about my credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMO HARRIS BANK NATIONAL ASSOCIATION (CA)

Complaint:
I attempted to make my XXXX payment on XX/XX/02, but was presented with website error. I have been unable to get into my BMO Harris digital banking account. I had attempted to reach the phone number provided in communication, but the calls never went through. Once I finally reached a representative at BMO Harris, they unlocked my online access -- though the website error never indicated that my account had been locked. When I attempted to make the payment, BMO Harris then froze the transfer feature on my account with a fraud flag. I had to call in again, and they put in a request to unlock this and push my payment through. The payment was then successfully drafted from my checking account a few days 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 2021-10-28
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: DISCOVER BANK (TN)

Complaint:
I have been an outstanding customer and absolutely enjoy my Discover Card. However this year and last year have been incredibly difficult as I know it has been with everyone. My wife is a XXXX XXXX and in XXXX of 2021 caught XXXX XXXX and I missed my XX/XX/2021 payment. The next month I brought my account current and worked very hard to stay on top of everything and in XX/XX/2021 I lost my father due to XXXX XXXX. The unexpected funeral costs impacted my family heavily. I have been working extremely hard to keep my good payment history and account in good standing. I called the customer service phone number on XX/XX/2021 to ask if a one time goodwill exception for the late payment in XX/XX/2021 could be removed from my credit reports due to XXXX and how it has effected my family this year and I was given incorrect information and the lady was not very nice or helpful at all. Not knowing who to call or my next direction as it relates to this matter this was the only place I went to for my next step. I am trying very hard to move into a new home and start fresh and leave the grief behind. I am working XXXX jobs right now to pay off my balance and I know these last two years have impacted everyone. But I am just trying to keep my good payment history and status with my Discover card in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Complaint:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account. It is crucial that you promptly eliminate this incorrect account from my record.

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 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (GA)

Complaint:
I try to obtain my credit score they won't let me go to sleep but they say it but it says I still can't get it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lloyd & McDaniel, PLC (KY)

Complaint:
My bank accounts have been frozen in order to collect a debt from 2015. I contact the lawyers who have submitted and obtain the freeze legally however, the correspondence regarding the debt was sent to an address I have never resided in. I had no way to choose to pay the debt or to act to keep my accounts from being frozen. I explained that I have never lived at the address they have on file and they are refusing to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (OH)

Complaint:
I have a written notification from Radius Global Solutions LLC, about debt I do not owe.

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 2023-01-03
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. (FL)

Complaint:
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company 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 2023-01-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB Complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXXXXXX Balance : {$230.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 

XXXX XXXX XXXX Balance : {$390.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you. 

XXXX XXXX XXXX Balance : {$330.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Please check the Payment History information of this account. The late history shouldn't be showing lates because I believe I paid on time. Please adjust the late payments from this account. I am not late on this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file. 

XXXX XXXX Balance : {$1000.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. 

XXXX XXXX XXXX Balance : {$710.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. 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 non-monetary relief
Consumer complaint received 2022-09-01
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: Experian Information Solutions Inc. (TX)

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, CA XXXX NOT PROVIDED XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX RESIDENT VERIFY XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Reference # XXXX Date Filed/Reported : 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 2015-08-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC (NY)

Complaint:
On XX/XX/XXXX my husband and I celebrated our honeymoon in XXXX ( XXXX and XXXX ) for Two days into our arrival in XXXX. We were robbed. Money as well as an electronic device ( iPad ) which consisted of personal information, were stolen. Along with many other articles. We traveled to XXXX from XXXX. By rental car.The agency I rented from, took my credit card information and passport information to keep on record. When we returned home XX/XX/XXXX with in a few weeks XXXX receipts for XXXX paid traffic violations were paid by automatic payment charged to my XXXX XXXX card from the rental car agency. I did not dispute the charges. Totaling in about {$700.00} American dollars. Today XX/XX/XXXX, I receive XXXX bills from a collection agency. Which is servicing for " XXXX XXXX XXXX XXXX XXXX. 
The addressed envlope was sent via regular mail. Delivered to my home it was in the correct name but not the correct address. XXXX separate bills with the same amount totaling to {$320.00}. The company Cedar Financial that sent these bills to me was promptly called by myself.I have never received anything in the past 2 years stated I owed XXXX separate amounts of {$320.00}. I spoke with XXXX separate people. XXXX in which was speaking as if they were a robot. Asking more then 3 times for payment information. Stating they accepted all major credit cards or check. I asked to speak to a supervisor.I was transferred to a gentleman. Who stated if I do not make payment today, my credit would be in jeopardy. As and wages I make will be garnished.In all of my years of being a credit holder I have always had impeccable credit.

Company response to consumer: Closed with explanation