hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-03-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Complaint:
I have received conflicting information from representatives regarding the companies method of communication as well as the alleged issues with my payment. 

They have denied the removal of a 30 day late report, although their representative, who I initiated contact with, verified the details of my online account payments, processed payments with the SAME information and ensured me that the company would not be reporting the payment late. 

However, the payment was reported late. 

Additionally, I have received information from the company on 4 separate phone calls which communicated that all of my correspondences were only to come via USPS. Then yesterday, I received an email that stated phone call attempts were made. After reviewing that email, I spoke with a representative who stated that ALL communications to me as the customer are via USPS.

I am receiving nearly robotic responses and their investigation has not delved into the detail nor taken their untimely method of communicating that there was an issue with the payment into consideration. Not even an email. Amidst this payment period of XXXX, I was violently carjacked in DC and was relegated there until my vehicle was recovered and processed. Upon returning home, I initiated contact with Cross Country after checking my account for fraud because all of my credit cards and ID were taken and when I gained access to my account, I noticed the payment which had been made 5 days after the robbery, still had not debuted my account. This is the aforementioned call in which the rep told me that the No Account Information found was not my fault.

I regard the untimely communication and the misinformation provided not to be aligned with the companies FCRA requirements. But more importantly, the sheer lack of compassion for me as a XXXX, female combat veteran and a customer is unacceptable. 

All documentation which was just reviewed today, was said to be substandard, because technically the payment was received during the month of XXXX. 

I will contact Veteran Affairs, my congressman and their companies leadership in short order. Primarily because of the conflicting information, such as we called you three times versus we only mail you communication. 

We will reverse the late payment and place it to the principal and then we wont. 

Youre routing number was entered incorrectly but we can tell you the routing number versus we have the same info lets hope this goes through, it wont be reported late and then it is. 

These are not good faith practices and the fact that they would sully my credit history is astounding. 

I am humbly requesting the removal of their late payment and acknowledgment of the conflicting information that k have received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
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. (LA)

Complaint:
i have disputed on my report several times an account with XXXX XXXX account # XXXX. i have never been late on this account, but your company has said that you verified the account how ever the other breaus have verified and determined that iwas never late on 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 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

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  : Acct # XXXX XXXX  XXXX XXXX : Acct # 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 2022-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
- Received credit report on XX/XX/2022 from TransUnion for new credit card inquiry with XXXX XXXX XXXX - Called TransUnion for assist with fraud inquiry and was told that the credit card inquiry was made on XX/XX/2022 - Informed me that they will contact XXXX XXXX XXXX and requires me to submit a fraud report with fct.gov and more additional information in order for them to dispute the hard pull on credit score

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 2019-03-14
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. (NC)

Complaint:
I am sending this complaint forward as I have attempted to dispute fraudulent accounts and information on my credit reports, yet to no avail. I need to have these accounts reviewed along with the Identity Theft validating documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AL)

Complaint:
The overdraft fee is to high so when u get paid u dont have any money left after paying the fees

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 2017-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

Complaint:
This complaint is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I  had the right to demand that each credit bureau disclosed to me all of the documents that they should have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. I have asked them several time to please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in their files that were used to verify them. If they did not have any documentation in their files to verify the accuracy of these disputed accounts listed below for each of the credit reporting bureaus then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

As a consumer under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if they were unable to provide me with a copy of the verifiable proof that they have on file for each of the accounts listed below within 30 days of receipt of this compliant then they must remove these accounts from my credit report. 

I requested each credit bureau to please provide me with a copy of an updated and corrected credit report showing these items removed, I demanded the following accounts be properly verified or removed immediately. 

Name of Account : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTE : Please also remove all non-account holding inquiries over 30 days

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 2021-07-12
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:
Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
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. (GA)

Complaint:
I sent out a letter To Verify The Accuracy On Credit Report. In I have not had a response. I also send out another letter just in case they didn't receive it still no respond. I Have the right to verify the Accuracy of the account being reported. 

Also Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( i ) which is the term credit card means any card or plate, coupon book or other credit devices used device existing for the purpose of obtaining money, property, labor or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below.They should all be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are in violation of my rights as a federally protected consumer under title 15 chapter 41. I demand that you remove the following accounts and send me my updated consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

Complaint:
Forget 30 days. I have been complaining to CFPB, as well as all three Credit Reporting agencies for years, with no Assistance from you or them. 

It is evident that CFPB has the Creditors and Reporting Agencies ' best interest in mind in their Actions and not the consumer. You are an affront to your charter. 

Tomorrow morning, I am making contact with various persons working in the Senate and providing my evidence and explination of all of the questionable things you are doing and your malfeasance. 

I demand you do your job and deal with XXXX, XXXX and Experian immediately. 

You are acting in XXXX XXXX. Your in house attorney should know enough to tell you that intentional bad Faith Actions ( such as protecting ones " Member Companies '' removes all immunit and makes you criminally and civilly liable. 

I demand hard copies and electronic access to accurate reports from all three agencies immediately.

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 2018-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
I have sent a certified letter to TransUnion, XXXX, and XXXX disputing a negative item that they are reporting on my credit report from XXXX XXXX, account number XXXX. I have requested that they validate the information with XXXX   and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which TransUnion, XXXX, and XXXX  failed to do.

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 2023-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (TX)

Complaint:
Chime Bank which is owned by XXXX said I violated their user agreement by depositing and then quickly transferring my money back out to a different account and asked me to provide a valid ID and proof of income which I did. They have my account locked and had been since XX/XX/2022 and they will do anything about it. Ive asked them to close my account and mail me a check of the funds I have In their bank or reactivate my account so I have access to them again and this is had been going on for over 6 months with no resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-26
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. (AR)

Complaint:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. XXXX XXXX XXXX XXXX {$1000.00} XXXX  XXXX XXXX {$690.00} XXXX  XXXX {$13000.00} XXXX  XXXX {$300.00} XXXX  XXXX {$11000.00} XXXX XXXX XXXX XXXX {$590.00} XXXX  XXXX {$19000.00} XXXX FI XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX  XXXX {$4000.00} XXXX XXXX {$1000.00} XXXX  XXXX   XXXX {$1200.00} XXXX XXXX {$990.00} XXXX XXXX XXXX {$100.00} XXXX  XXXX   XXXX {$590.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

Complaint:
I was told that it would be beneficial to consolidate my student loans since I was applying for the   XXXX    Loan Forgiveness. I called to verify that my consolidation would not affect by Bankruptcy Forbearance and was told it would not. Now, I am receiving a bill for {$1500.00} and was told that the loan was disbursed after my bankruptcy filing and was not included in the bankruptcy. I am currently in the middle of my Chapter   XXXX  repayment and my bankruptcy will not be  discharged  until  2019 . The provider acknowledged that I was provided incorrect information but told me there was nothing they could do. My only recourse was to contact my attorney. I am in the process of working with my attorney but this needs to be resolved. I was given incorrect information with a significant financial impact. FedLoan.org needs to be sanctioned and ordered to reinstate my bankruptcy forbearance. This predatory behavior is despicable and must be terminated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
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. (FL)

Complaint:
I wrote each bureau regarding accounts that are currently reporting to my credit that are a result of identity theft and are not mine. In my request I asked them to remove these items due to them being a result of identity theft, and they have not done so and they have not responded. 

TransUnion are reporting the following fraudulent accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  and XXXX  are reporting the following fraudulent accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX I then asked them to provide proof that these were my accounts due to them not having removed them and they did not respond. Both failed responses exceeded the 60 day standard timeframe it takes for them to respond.

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 2022-08-23
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 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Complaint:
I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

Complaint:
On XXXX XXXX, 2017 I disputed the tax lien that equifax has been reporting on my credit file. Each time I dispute this item they say it has been verified but refused to provide me with the person name and number who verified this tax lien. I have a freeze on XXXX XXXX and the court house itself did not furnish any information to the credit bureaus. Equifax has claim on many occasions the furnished is the recorder of deeds, magistrate or municipal court. Which is all a violation of the XXXX to report false information and claim to get information from the court, when it is actually obtained from an unnamed 3rd party which can easily be considered false information on my credit report.

Company response to consumer: Closed with non-monetary relief