hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-01-31
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: Mortgage Research Center, LLC (HI)

Complaint:
On XXXX, Veterans United Home Loans pulled a hard inquiry on my credit report without my consent. I didn't complete the application on their website on XXXX because they don't provide soft inquiries on credit report for pre-screening but they still pulled a hard inquiry two days later without authorization.

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 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

Complaint:
I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition.

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 2023-07-20
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. (CA)

Complaint:
I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 4TH '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

Complaint:
On  XXXX   XXXX , I sent the following letter to Equifax,  XXXX , and  XXXX   XXXX  ; asking them to correct errors that appeared on my credit report.  XXXX  has responded with a list of the corrections but I have n't heard anything back from Equifax or  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Complaint:
Have additional information pertaining to complaint XXXX i had contacted see XXXX and hey said capital one was responsible not them i called back capital one and they said the claim was denied but they maybe able to do somthing in 5 days today i called back capital one pertaining to the account that had to be moved to another account so additional fraud would not be done to the account ending in XXXX and which i was getting .1.50 interest and after this fraud now the bank under the circumstances is penalizing me give me a 1.0 percent rate and today noticed its XXXX this is terrable bad enough a crime was committed and they are showing a no care attitude towards me as a customer, I like this bank a lot and never had a problem in the past until now when I spoke to supervisor XXXX when I was explaining my situation felt he was disrespectful and was talking over me and not allowing me to talk and this is a supervisor can somone please help me with this situation I feel very bad this fraud situation took place but the experiance in the bank is making things worse

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
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:
According to 15 U.S.C 1681 section 602 A. states that I have the right to privacy! Also 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions. 

The following accounts have violated my rights : XXXX Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
It appears that my credit file has been compromised. Again, 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 you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX  XXXX XXXX XXXXXXXX Balance : {$2900.00} ; XXXX, XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX  XXXX  Original creditor XXXX  XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$240.00} ; XXXX  XXXX Balance : {$160.00} ; XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$51.00} ; XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each items is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2021-09-02
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: Eastern Account Systems of Connecticut, Inc. (CT)

Complaint:
Eastern Account System is reporting I owe a gas account and that is incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Complaint:
I have informed all of the credit agencies that the XXXX XXXX XXXX XXXX Account that the late reporting on my credit file is reporting in error. I was never late on this account. Please help me to get this inaccurate information removed from my credit file.

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 2020-01-08
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (FL)

Complaint:
Wells Fargo has repeatedly stated that they never owned the mortgage or the note and only serviced the loan. Wells Fargo has stated they do not know who owned the loan during the time they serviced the loan. This is information required by law to be shared with the homeowner.Federal legislation passed in 2009 ( Section 404 of the Truth in Lending Act ) requires that anyone who acquires ownership of a mortgage loan must provide the borrower with a notice that the acquirer is the new owner ( and if they use a servicing agent to collect payments, the name of the servicer ). Section 1463 of the Dodd-Frank legislation enacted in 2010 also requires servicers to disclose the owner of the loan within ten days upon written request from the borrower. As the homeowners we have the right to know who the owner of the loan was at the time of servicing by Wells Fargo Home Mortgage. We have the right to know where the payments were being applied. Wells Fargo has stated the loan was transferred to XXXX XXXX XXXX XXXX XXXX in XXXX. Only the OWNER of the loan can legally transfer or sell the loan to another party. Who gave Wells Fargo Home Mortgage the authority to transfer or sell the loan to another party? Wells Fargo claims to not know who the owner of the loan was at the time they serviced the loan. That would mean the payments were either not properly applied to the balance or Wells Fargo was servicing a loan that never existed in the first place. A class action settlement against Wells Fargo states that the loan was paid in full. A letter from XXXX states they purchased the loan from Wells Fargo. Wells Fargo claims they did not sell the loan, yet all information says otherwise. The loan was paid in full. ISSUE a satisfaction of mortgage.

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 2023-04-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio (TX)

Complaint:
XXXX XXXX XXXX XXXX continue to report a derogatory collection account to my consumer credit file. At this point I am requesting ALL contractual documents stating and proving that I am and was responsible for this account as well as agreed to third party collection activity. I have learned that this is in violation of the FCRA and the FCDPA. At this point I ask that this non - validated derogatory account be removed from the credit bureaus immediately as this should not have ever been reported nor attempted to be collected on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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. (TN)

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 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX 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 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 2016-12-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jon Barry and Associates, Inc. (NC)

Complaint:
I have no knowledge of said debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: National Collection Systems, Inc. (IN)

Complaint:
I attended the XXXX XXXX XXXX College XXXX, Indiana campus and had to leave due to medical issues at the time in 2017. 
I didnt know I owed a balance of {$550.00} until later. 
The school never notified me and at that time, I did have contact with the agency and couldnt pay it until I got the money since I was jobless and had just given birth to my daughter. 
While trying to enroll at another XXXX XXXX XXXX, XXXX, I was advised I needed to pay the balance, which I tried to pay through the school, but they gave me the information to National Credit Management. 

I gave them a call in hopes if I paid, it can be removed from my credit report. I was never informed they didnt do pay-to-deletes or whatever they call it, but their manager XXXX XXXX, stated I could call the school and have it removed since I satisfied the account in full. Now me, not knowing much about credit, I went to the school and was told Im supposed to contact National Credit Management since theyre the ones who had the account. I called them and then was told through a rude customer service representative that snarled at me when I tried explaining what I was told, WE DONT DO PAY-TO-DELETES and  basically hung up on me. My issue is, why would you lie and give me hope that I could get the collection removed, when he couldve explained it from the beginning. I called and tried seeing if I could talk to him directly, was either hung up on, or having a call rep who was rude. I tried fixing the situation because if anything, XXXX couldve just been honest in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Complaint:
There are two incorrect addresses on my account. Looking at the report, it has the dates that I've lived at my real addresses as overlapping these fake addresses so it doesn't make any sense that it is even on there because I can't live two places at once. This is between XXXX and XXXX, and during that time a check was stolen from my apt complex and someone else 's phone number ended up on our bank. 
This showed up in an employment background check that I had when I got my new job last month.

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 2022-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (RI)

Complaint:
On or around XX/XX/XXXX i was offered a Citi Miles Ahead savings account with the opportunity to earn up to XXXX miles on XXXX XXXX with a deposit of XXXX i opened the account- when i called to make sure the miles would go into my XXXX account before i funded it- i was told that i was not eligible for that offer -- I closed the account and cut up the debit card which had arrived in the mail that day. The next day in my mail, i receive a pamphlet offering me once again the same- XXXX miles if you fund the account with XXXX I called Citi and after numerous conversations the answer is basically No i am not eligible because i closed the account!!! I could not get anyone to see how insane this was- i closed it because they told me i was ineligible!! - I feel that this is false and misleading and they have no intention of giving customers the miles- Please investigate- CIti.com. 
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 2023-05-05
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. (TX)

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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2018-07-11
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: CIT BANK, NATIONAL ASSOCIATION (WA)

Complaint:
I have made several calls to CIT. this is not my account. they confirmed this is not my account, but it is showing up on my credit report. The bank is not wiling to confirm an account they do not have, and the credit bureau is not able to update without a confirmation of the account. it is a silly game back and forth on an account that I never opened. Please help me get someone to fix this injustice. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (NM)

Complaint:
Previously reported Amsher Collections and XXXX for potential violations of the Fair Credit Reporting Act. I now have 2 unsolicited credit inquiries on my credit in addition to the negative information filed against my credit in violation of the Fair Credit Reporting Act. 

AMSHER : I will not call you- I refuse to voluntarily subject myself to your abusive language, threats and time-wasting tactics. 

Please provide a written letter stating that this information and all inquiries will be removed from my credit within 5 business days of receipt of funds. Your posting a bill that was never sent is not sufficient. Your Word document is also not sufficient. 

Your further delay tactics are noted and unappreciated. Since my last report, more of my information had been sold on the dark web relating to this account. These tactics are illegal and unethical, and will continue to be reported here and elsewhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
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:
I was checking my credit report and these accounts still on. 
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I dont know how to delete it from my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Complaint:
incorrect information on credit please remove old address

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (NC)

Complaint:
On XX/XX/2022, I was trying to purchase a teacup yorkie puppy that was supposed to be shipped to me. XXXX XXXX shippers told me that the puppy would need a specialize crate to fly in and i could rent this crate for {$910.00} upon which would be refunded to me once the puppy was delivered to my home. The funds were drawn from my XXXX XXXX account from my credit union to my PayPal account. We later found out that this transaction was a scam. PayPal is still holding these funds ; they claim that my credit union would have to do a chargeback then they would comply. I received a letter from my credit union on the fourteenth and according to them visa is a pee-to-peer payment processor and is responsible only for the transfer of funds, the service is not intended to be used to purchase goods and services. they suggested I seek compensation from the individual and they will not issue me a credit. 
the individual will not respond to me or PayPal because they know we have found out this is a scam. So now PayPal will not even return the money because there is no protection through friends and family that the individual told me to use to transferer the money the case is still in dispute with PayPal. I did explain to them that my credit union can not do a chargeback PayPal insist that they can. Paypal did refund the {$810.00} back to me that were supposed to be for vaccines for the puppy to fly and this transaction went through friends and family so I am not understanding why I can not get my {$940.00} back for the so-called crate that I rented. This is a shipping company called XXXX XXXX shippers out of XXXX.

Company response to consumer: Closed with explanation