hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-02-22
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. (IL)

Complaint:
I AM A VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instruction.

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, 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 or has reasonable cause to believe 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 2022-11-25
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. (OK)

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX  acct XXXX and XXXX XXXX acct 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, also states a consumer reporting agency can not furnish an account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP (NY)

Complaint:
X/XX/17 - ACH Payment made thru XXXX XXXX for rent payments in the amount of {$200.00} and {$43.00} X/XX/17 - XXXX XXXX account shows payment applied. X/XX/17 - KeyBank available balance reduced by {$200.00} and {$43.00}, however transactions DO NOT appear, funds are simply " removed '' X/X/17  - Keybank available balance increased by {$200.00} and {$43.00} X/X/17 - XXXX XXXX receives returned funds and charges my account with 2 {$20.00} NSF Fees X/X/17 - Keybank claims account NEVER was reduced by {$200.00} and {$43.00} - no attempts to ACH ANY funds were ever made by XXXX. Claims I am incorrect and funds were NEVER removed.
X/X/17 - Attempt # 2 - {$200.00} ACH Payment made thru XXXX XXXX for rent payment in the amount of {$200.00} X/X/17 - XXXX XXXX  account shows payment applied. X/X/17 - Keybank available balance reduced by {$200.00} - however transaction DOES NOT appear, funds are simply " removed '' - Available balance {$1.00} X/X/17 - Available balance {$1.00} X/X/17 - Available balance {$1.00} X/X/17 - Available balance {$1.00} X/X/17 - Available balance {$1.00} X/X/17 - Available balance {$200.00} - {$200.00} ACH has once again been returned to account, Keybank claims no funds were ever removed from XXXX and balance on my account has been {$200.00} since X/X/17 - yet everyday I checked from X/X/17 thru X/X/17 - Available balance had the {$200.00} payment removed - no transaction showing as to who was holding it - and XXXX to charge another {$20.00} NSF Fee

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Complaint:
I have called Capital One and spoke to XXXX. I asked if there was anyway to reduce the APR. My current APR is 24.40 % when I called the automated system. XXXX  advised that there was no offers to reduce the APR. I am asking for a reduction in the APR since it is at a very high rate. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

Complaint:
I asked the credit bureau for a verification of everything on my credit report for the account name, XXXX for account number # XXXX on my credit report. They stated everything was accurate. But I did a through research myself and found inaccurate information. Notice that date opened on the credit bureaus are all incorrect. 

In accordance with the fair credit reporting act, 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 an 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 2023-01-12
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:
In accordance with the fair credit reporting act the following accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX have 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
Trans Union AND XXXX recently reduced my credit score by XXXX points because I received a loan of {$5800.00} which XXXX OFFERED me. However, my available total credit is {$72000.00} ; therefore my actual credit utilization is only 8 %. Prior to the loan my utilization was 1 % for over 2 years! Even during the pandemic! 

Additionally, everyone knows that the credit reporting agencies NEVER have the same score as the other ; so how could they both come to the conclusion that taking the loan constituted lowering my score for EXACTLY XXXX points!

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 2020-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (FL)

Complaint:
A cheque for {$2500.00} was deposited on XXXX XXXX at the Chase Bank on XXXX XXXX XXXX, XXXX Florida to my personal checking account. 
On XX/XX/XXXX the cheque was cleared by the bank. 
Later on that day, and only after it was certain that the funds were cleared, the said funds were utilized for the purpose for which the cheque was issued. 
On XX/XX/XXXX, to our horror, the cheque was reversed, funds were withdrawn from our account without letting us know and we were charged the additional {$12.00}. 

We went to the bank to complain and they said that it was our responsibility to wait 5 days before the cheque would be really cleared. 

The reason for reversing the cheque is that it was allegedly false. 

We do not understand how can cheque be cleared and then uncleared at the discretion of the bank. The funds were utilized and we are now left with a credit of {$2500.00} without fault of our own. 

The bank was not even considering a possibility that clearing and then unclearing the cheque is anyhow their responsibility, but they have easily passed on the blMe to us, the consumer, to somehow verify the validity of the chequ prior to utilizing those funds, even though they clearly cleared the cheque.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
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. (NV)

Complaint:
I have compiled with the credit reporting agencies, in all there requests in to remove all inaccuracies that they are furnishing on my credit consumer report. Now I want to file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Complaint:
Dear Sir or Madam, I am writing to you under the Fair Credit Reporting Act as I want my credit report to be 100 % accurate and complete. I do not want incorrect or misleading information on my reports. 

I am disputing false and inaccurate information on my credit report with your companies and I want all of you to carefully investigate and delete all false information related to my biological information. 

Here is the only correct information that you should be listing : My name is : XXXX XXXX My date of birth is : XX/XX/ MY Social security number is : XXXX The only correct address is : XXXX XXXX XXXX XXXX XXXX PA, XXXX The only correct phone number is : XXXX XXXX XXXX I only am employed at XXXX XXXXXXXX XXXX XXXX The following information used to be correct but is now wrong and I do not want this incorrect information on my credit report. 

-At one time in the past, I lived at the address of XXXX XXXX XXXX XXXX PA XXXX but no longer live here. I do not want any person or company to use these old addresses because I do not want to run the risk of identity theft or my personal information going to a bad address. 
Remove this incorrect information. 


I see false information that was never correct. Make sure you delete any other personal information items other than the correct items I have listed above. To help, here are some entries that were never correct that I want to delete ASAP : My name has never been : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I never lived at these addresses : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, OR I never had these phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I never worked at these places of employment : 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 2021-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (NV)

Complaint:
Im now aware of checking my credit and removing anything that isnt mine. There is a charge off card from a JPMCB card with a balance and charge off of {$4500.00}. It was opened in XX/XX/2017 and now showing it is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Investment Retrievers, Inc. (FL)

Complaint:
My credit has been check by this company INVESTMENT RETRIEVERS that I am NOT AUTHORIZING them to check my credit. I do not give them permission. They have check my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have called then many times before and they say they can check my credit without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
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. (LA)

Complaint:
in accordance with the Fair Credit Reporting act 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

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 2023-02-09
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: Maximus Education, LLC dba Aidvantage (LA)

Complaint:
Today on XX/XX/2023, I contacted Aidvantage by phone XXXX. The XXXX  time I contacted them, I was hung up on as soon as I brought up the fact that I did not give Aidvantage or Department of Education clear and concise, written permissible purpose to furnish my financial information to XXXX, XXXX or XXXX. These institutions are in clear violation of several federal laws including Consumer Financial Information Rule of the Gramm-Leach-Bliley Act via the Federal Trade Commission. 

The second phone call I was told by Aidvantage that XXXX  XXXX or Department of Education gave Aidvantage permission to furnish XXXX accounts on my consumer report. I asked to excercise my right to opt out of my private information being reported and was placed on hold for an extensive period of time. This is also another federal law that these institutions have not complied with and are in clear violation. Please see 15 U.S. Code 6802 ( b ). XXXX  or both of these financial institutions are conspiring to commit identity theft against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
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: EQUIFAX, INC. (TX)

Complaint:
In accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Complaint:
I reached out in XXXX via USPS certified mail to let the company know how them publishing incorrect information on my consumer report had adversely affected my life and made requests for them to remove the incorrect information and also acknowledge the damage the incorrect information had caused my family and I

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 2023-05-15
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: Experian Information Solutions Inc. (AL)

Complaint:
Unauthorized inquiries

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 2021-01-20
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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2020-09-21
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: Experian Information Solutions Inc. (PA)

Complaint:
I have made attempts to resolve this matter with Experian via letter and phone. 

XX/XX/2020, I submitted a dispute letter regarding information that XXXX XXXX XXXX   XXXX XXXX  provided to Experian. In such correspondence, I stated that [ t ] his was a Business Credit Card for which I am not personally responsible. I specifically requested that I be provided with evidence of personal responsibility or remove this from my report. According to the certified mail records, Experian received my letter on XX/XX/2020. I have not received a reply to my dispute. 

I contacted Experian via phone on XX/XX/2020 regarding the dispute, only to learn that they had no begin to work on the dispute. I was advised that my letter may still be in the mail department. I advised Experian that I sent a certified letter on XX/XX/2020 and that they received it on XX/XX/2020. In the telephone conversation I requested that this account be removed from my credit report immediately. The telephone representative advised me that he would initiate a dispute now, and it may take an additional 30 days to resolved. 

I am applying for disaster relief funding ( which is time sensitive ), and would like to have this matter resolved promptly as it negatively impacts my credit score. My original dispute was filed 38 days ago ( on XX/XX/2020 ). Experian has had ample time to resolve to this dispute.

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 2020-11-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Credit Corporation (MS)

Complaint:
XXXX XXXX, I received a letter from NATIONWIDE CREDIT CORPORATION about a alleged debt of {$390.00} that i do not owe, so on XX/XX/2020 i sent them a certified letter requesting the validity of the alleged debt, a copy of the contract or agreement from the original creditor, and to cease and desist all activity.I haven't gotten a response from them as of yet concerning this debt.a copy of the letter is attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: VW Credit (KY)

Complaint:
My husband is a XXXX XXXX XXXX who is currently XXXX. Vw Credit financial has denied my husband and I our SCRA rights and have threatened to repossess our vehicle since we fell on hard times during his XXXX. They do not have a SCRA department or reposession department that we are able to get in touch with and has been giving us the run around. They know about the SCRA law, because they have been asking us to voluntarily surrender the vehicle instead of coming to take it ( since we live on the XXXX XXXXXXXX XXXX XXXX ). They are denying a court order as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

Complaint:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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