hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-12-11
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. (GA)

Complaint:
They are credit inquiries that are on my credit report that I did not authorize authorize or did not apply for.

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 2018-06-08
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC. (FL)

Complaint:
I have a loan with ALLY FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and ALLY FINANCIAL with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2018.

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 2023-02-20
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: EQUIFAX, INC. (OH)

Complaint:
The credit inquiries listed below are unauthorized and I have attempted multiple times to contact these companies directly to have them remove them and havent received a response. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Complaint:
I had fraudulent activity on my checking account this past summer ( XX/XX/XXXX ). I INSTANTLY called Huntington Bank and headed to the branch to let my bank know about the fraud. A person claiming to be a loan provider scammed me by putting money in my account ( which they took back out because the check was fraudulent ). After going to Huntington Bank and explaining the situation to them, I went and filed a police report at the XXXX police station in XXXX county, Oh. I took a copy of the police report to Huntington Bank personal banker. I was told their fraud department would take care of the fraudulent activity. Then about 2 weeks later I was told by Huntington Bank that I was responsible for the {$850.00} in fraudulent activity even though I was the victim of this fraudulent crime. To this day ( XX/XX/XXXX ) I receive at least 3 phone calls a day from Huntington Bank telling me I owe that money. How in the world can I get Huntington Bank to list the unauthorized use of my account and get Huntington to STOP calling me 3 times a day?????? It's been 6 months since the fraud happened. Everyday for 6 months, Huntington calls me 3 times a day. Also, how do I get the fraudulent activity resolved???

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc (MO)

Complaint:
I had two previous complaints XXXX and XXXX regarding this matter. In both complaints they sent letters stating the accounts would be removed from credit file. I then went and proceeded to collect the total of XXXX usd in the form of a check. I stated in my affidavit the laws that were violated and what law stated for every violation there is a set fee for it. A few days after me sending this packet of documents I received another letter stating that I owe which is also attached. I then sent out an additional affidavit in response to that letter. Also sent with the affidavit is an inovice which can be found down below as well. They sent a letter with their logo on it, stated that I owe a debt and many more violations under the U.S. code 15 subchapter 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
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. (NY)

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, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
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. (GA)

Complaint:
I have two fraudulent injuries reporting on my Equifax credit report which are listed below I didnt not apply or authorize these inquiries. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY (TX)

Complaint:
Do not recall the date Wells Fargo Credit Card was issued or the exact date the Account was closed, but Debt was discharged XX/XX/XXXX via my Bankruptcy ( Sole ). Upon waiting the required 2 years to seek a Home Loan ( Jointly ), the financial institution alerted us of the negative activity on my Wife 's Credit Reporting History. The collection amount detailed was {$4600.00} that was past due. My Wife never received any notice of collection from Wells Fargo. Upon contacting Wells Fargo in XX/XX/XXXX, it was explained that my Wife never filed or requested a Credit Card from Wells Fargo individually, Jointly or as a Co-Applicant. The first Representative of Wells Fargo I spoke with confirmed that my Credit Card Account was closed and discharged via my Bankruptcy, but the Representative indicated that my Wife 's Debt was also discharge via my Bankruptcy because of our residency in Texas, which is I was told is a Community Property State and that when I discharge my debts via Bankruptcy the Joint Account with Wells Fargo was also Discharged. However, I explained that I do not recall or remember requesting Credit or Credit Card for my Wife. An official Dispute was  filed in XX/XX/XXXX and explained the aforementioned information. I was told the investigation would take 30 days and a decision would mailed. Till this date ( XX/XX/XXXX ) no written response has been received and despite multiple attempts by telephone I have not received a decision or a course of action from Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Complaint:
I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 Company Inquiries : US SM BUS ADMIN ODA XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX   XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
I opened a checking account online on XX/XX/2023. During the application process, I provided my XXXXXXXX XXXX XXXX  savings account information ( routing number and account number ) and requested {$25.00} to be transferred from that account to the new BofA account as the initial opening deposit. {$25.00} was deducted from my XXXX savings account on XX/XX/XXXX. It is XX/XX/XXXX today and {$25.00} still doesn't show up on BofA Checking account. I chatted with BofA agent online, who said she doesn't see any {$25.00} transfer from XXXX XXXX and told me to call XXXX ( despite the fact that BofA is the one who pulled {$25.00} from my XXXX account ).

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 2023-04-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Complaint:
This is my several requests but still the same items were erroneous. The 3 credit Bureaus are required to validate these items. It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Please reinvestigate the unverifiable items listed below : XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts : CREDIT COLLECTION SERV

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
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: Experian Information Solutions Inc. (PA)

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2018-08-06
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: CITIBANK, N.A. (TX)

Complaint:
XXXXCBNA Closed : XX/XX/XXXX {$0.00} Closed Overview You're currently using 0 % of your account 's limit. 
Balance {$0.00} Credit limit {$800.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 9 yrs, 9 mos ) Payment History Last payment -- Current Payment Status Current Amount past due {$0.00} Worst Payment Status No Info Account Details Account status Closed Type Credit Card Responsibility Authorized User Remarks Account closed by credit grantor Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX It was taken out by my Mom & Dad not me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
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: ALLY FINANCIAL INC. (TX)

Complaint:
In 2016 I got divorced, and my ex-husband was awarded our XXXX XXXX. I have the signed, notarized paper showing he was responsible for it. He quit making payments on this XXXX, and the dealership came to pick it up. It then went on my credit report as a repo even though he was responsible for it after the divorce, not me. I got a letter from a debt collection agency saying I owed for it. Since it was on my credit report and hurting me, I called the debt collector and Ally Financial to try and get it all resolved so it would be removed from my credit report. I was told If I paid the settlement amount, then the whole account would be closed in full, and Ally Financial would do a paid and delete. I have paid the settlement amount, but Ally has not removed it from my credit. After several phone calls speaking with XXXX XXXX and emails with no responses, I am reaching out to you. My credit is XXXX clear except for this problem thats not even my fault or my responsibility, but Ive taken care of it. I just want it deleted off of my credit report as Ally Financial promised.

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 2019-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Complaint:
I opened a new checking account with HSBC on XX/XX/XXXX in XXXX XXXX, California and funded my account electronically. 

On XX/XX/XXXX, fraud charges started posting to my debit card, which I never received nor activated myself, and I was not notified when it was activated. 

I received an email from HSBC at XXXX XXXX on XX/XX/XXXX while I was in XXXX, XXXX, claiming a temporary block has been placed on my card. I tried to ask the reps on the live chat twice to block my card since the number provided in the email does not work due to holiday hours, but nothing happened. The fraudulent charges on the card keeps coming until I called a 24/7 number XXXX XX/XX/XXXX. A total of {$4100.00} was lost. 

I tried to submit a fraud investigation on the phone, but the process was not helpful and nothing significant was refunded. I had to talk to my personal banker on XX/XX/XXXX and got HSBC 's investigation team on the phone, but they asked me to file a police report. 

I filed the police report on XX/XX/XXXX and have been waiting for almost two months for a response but I have not received any refund from HSBC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Complaint:
In XXXX of 2021, I received notice from XXXX, noting that I had opened an account with XXXX XXXX - XXXX XXXX ; XXXX XXXX, XXXX XXXX, CA XXXX. 
I had never heard of XXXX XXXX, nor had I applied for credit with them. I tried to call XXXX XXXX, but the telephone number listed online was not valid. 
I alerted all three credit bureaus : XXXX, XXXX and Experian, that this was a case of fraud. 

Now, XXXX months later, this is still showing on my credit report with Experian, and also shows that I am deliquent in my payments. 

Again, this is a case of fraud. I have NEVER opened an account with XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Complaint:
This company has been reporting negative information on a charged off account and I as a consumer is entitled to my privacy and fair credit consumer act says and also I ask them to verify the account, showing my signature for the account, and they have not sent anything with my signature about this account 15 U.S. CODE 1692 ( YOU HAVE A RIGHT TO PRIVACY ) 15 U.S. CODE 1692 ( C ) ( A ) - A DEBT COLLECTOR HAS TO HAVE YOUR CONSENT TO TEXT, CALL. OR EMAIL YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
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. (VA)

Complaint:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 16 USC 1681. 

I told the XXXX, Transunion and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account number : XXXXXXXX XXXX XXXX Account number : XXXX However, they stated that everything was complete and accurate. How is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that is not reporting correctly, 15 USC 1681 section 602 A. states I have a right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.

Also, they are not in compliance with metro 2 credit reporting.

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 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Complaint:
The dates i started to write down are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX ( there were several more contact attempts/disputes that i deleted from XXXX ). Experian is reporting an incorrect balance on 4 student loans that have {$0.00} balances. I've called experian, I've submitted online disputes, as well as submitted a copy of the last statement showing the accounts are paid ( {$0.00} balance ). Experian has not done their job in verification of the information as they continue to show the wrong balances on the accounts. I've spoken with representatives and was lied to by the last rep who said the info was verified with the company XXXX. I've called XXXX and they confirmed the account has a {$0.00} balance. Experian is reporting I owe the following : {$5300.00}, {$7200.00}, {$5300.00}, and {$7400.00}. All incorrect! 

I've spoken with representatives and written emails to correct with XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The representatives ensured that the issue would be corrected on their end, yet its still showing up on my credit report and causing issues with me purchasing a car as well as a house. Please correct this incorrect information. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation