hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (TX)

Complaint:
XX/XX/2020 I was refused my money from the by XXXX XXXX ( financial relationship specialist ) that said, thats to much for me to ok. Let me get my manager. XXXX XXXX XXXX ( Branch manager ) told me, I got your {$10000.00} but your going to have to prove that your XXXX XXXX. Note, that I had already taken out {$5000.00} a week earlier. I had to leave & go get my paperwork to prove that I XXXX XXXX XXXX which I did. They didnt need to check this earlier! Ive been with Regions Bank ( XXXX XXXX XXXX XXXX. XXXX, Texas XXXX ) for years, taking out loans that I paid off for the big rig that I XXXX. I believe I was XXXX profiled or they didnt follow their own protection policies because Regions didnt check all of this the first time! I feel I was being called a lie or cheat for no reason. Branch manager said, we have lost a lot of money on these loans. 
I was put in increased risk for COVID-19 for the extra touching of items to prove something that didnt need proving. I didnt get to my business after being treated unfairly & disrespected for no reason than I didnt look the part. 
I file a complaint with Regions Bank. I talked to XXXX & XXXX on the complaint line they took my complaint but said, I cant let you know the outcome but you have my empathy!

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 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

Complaint:
I would like to file a complaint against XXXX and XXXX XXXX XXXX and Equifax. XXXX and XXXX XXXX XXXX have erroneously reported a balance and past due amount on my credit report since XX/XX/XXXX. Furthermore when I filed a dispute with Equifax and provided proof of statements of charges, payments, and balances on XX/XX/XXXX, all Equifax did was allow XXXX and XXXX XXXX XXXX to claim that the information they reported to the credit bureau was correct and to re-post it onto my credit report again the very same day XX/XX/XXXX. In XX/XX/XXXX, I also wrote XXXX, called XXXX and spoke with a representative, and wrote XXXX XXXX XXXX which is a company that refuses to respond ( see for example https : //www.change.org/p/ny-state-attorney-general-letitia-james-stop-royal-property-management-from-stealing-security-deposits ). 

ERRONEOUS EQUIFAX REPORT -- XX/XX/XXXX Balance {$1800.00}, Last payment XX/XX/XXXX, Amount Past Due {$1800.00} ERRONEOUS EQUIFAX REPORT -- XX/XX/XXXX Balance {$1800.00}, Last payment XX/XX/XXXX, Amount Past Due {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK (WA)

Complaint:
Recently I have discovered some discrepancies with my Credit Score reporting by XXXX to my XXXX XXXX XXXX credit card. I 've been working on this issue, and XXXX mailed my corrected report and score to me just a couple of weeks ago. At this point I checked on two of my credit cards Discover & XXXX which use XXXX service ( run by XXXX ) to provide their customers with access to their credit scores. According to XXXX, they get their info from XXXX, but the score they show is completely different from what was sent to me by XXXX, as well as two loans incorrectly reported by XXXX as Personal Loans are actually Parent-Plus Student Loans as correctly shown by XXXX ( see attached ). I have contacted XXXX and Discover card about these issues via messaging on their Web Site, but as you can see from their answer ( see attached ) they dont even bother to read their customers messages. XXXX just sent an email to me with a statement " No changes to your credit report '' ( see attached ), which means XXXX did n't even bother to check my info against what XXXX shows ... I am not aware of any other way of contacting these people, and mistakes like these can cost me a lot of money. Please help me convince XXXX associates to do their jobs as well as Discover and XXXX take seriously their responsibility to their customers. I find it highly disturbing knowing that my financial well-being is in the hands of somebody who cares so little they dont bother to even read my 3-sentences message. Something really should be done about it.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2022-11-06
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:
All these hard Inquires are fraudulent. Attached is my FTC report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

Complaint:
THE NEWS HAS REPORTED THAT EQUIFAX INFO ON MORE THAN 140 MILLION PEOPLE WAS  COMPROMISED IN XXXX. DOES NOT EQUIFAX HAVE THE RESPONSIBILITY TO NOTIFY THOSE WHOSE INFO WAS COMPROMISED? WE SHOULD NOT HAVE TO SIGN AWAY OUR RIGHTS TO SUE OVER IDENTITY THEFT TO FIND OUT ( WHAT PEOPLE ARE REPORTING ON XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

Complaint:
during covid 19 i had late payments on two accounts XXXX  and XXXX  account i actually signed up for the payments to be pushed to the end and i have provided paperwork showing that the payments was pushed back. Also a bill was passed that protects our credit during that unexpected time. i sent letters over two months ago i have all of my paper train and letters and dates they was sent. they have not sent me anything

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 2023-04-13
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. (NY)

Complaint:
I have made multiple complaints against XXXX, XXXX, experian it's like I am being ignored I made a demand for those credit reporting agencies to remove those improper inquiry and to stop messing around with my score improperly they seem to not care about my financial situation at all

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 2017-07-12
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: Experian Information Solutions Inc. (AL)

Complaint:
XX/XX/XXXX and XX/XX/XXXX. that a computer glitch that was XXXX 's problem, not mines caused my inquiries to be deleted. XXXX later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted XXXX in good faith to ask them to delete the inquiries that they had illegally re-added. I have contacted XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX, XXXX XXXX. These inquiries add a hardship and that my rights were violated by XXXX. CFPB help me make XXXX stop victimizing me. As a resolution that all of my XXXX inquiries be deleted permanently from my report as a violation took place when they were illegally added.

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 2018-08-16
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. (TX)

Complaint:
The following accounts/items do not belong to me. Please delete 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 non-monetary relief
Consumer complaint received 2020-06-20
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 — Investigation took more than 30 days
Company: Kelsting Group, Inc. (CA)

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-04
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: Kross, Lieberman & Stone, Inc. (TX)

Complaint:
This company is reporting information on my credit reports however they are not legally permitted to collect in my state because they are not bonded in Texas. I currently live in Texas and have always resided in Texas. I have checked the website of my secretary of State with the information they provided on my credit report. My search concluded that THEY ARE NOT BONDED in my state. Not only that, I have sent several 609 letters asking for them to " Verify '' the information that they are reporting because these debts are not mine and doesn't belong to me. They have yet to provide adequate proof and still reports on my credit. Please note the following information pertaining to the debt collector including their address, Bond number, Amount they are reporting and date they reported : 1 ) Kross Lieberman & Stone Inc XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Bond number XXXX AMOUNT reporting {$1400.00}

Company response to consumer: Untimely response
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (FL)

Complaint:
I am filing this complaint to request the removal of a negative account that Wells Fargo is reporting on my XXXX, XXXX, and XXXX credit report. The account number reported on my credit report is XXXX. I called Wells Fargo on XX/XX/XXXX, to discuss this account. I was told by the customer service representative that I could settle the account for {$200.00}. I asked him if the account would then be reflected as paid, and all negative entries would be removed from my credit report. He said not unless I paid the balance in full. I told him it was critically important that all negative information be removed from my credit report, and I agreed to pay the full balance of {$400.00}. I have attached a copy of the receipt from my bank to this letter. It has now been over one year since my payment, and Wells Fargo is still reporting negative information on my credit report. This account was first reported to the credit bureau on XX/XX/XXXX. I have sent letters to Wells Fargo on XX/XX/XXXX and XX/XX/XXXX and received no response or resolution. I am requesting that Wells Fargo delete this account from my XXXX, XXXX, and XXXX  credit reports 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 2018-06-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (FL)

Complaint:
Suddenly on credit reports, no written information.

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 2022-12-16
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. (IN)

Complaint:
I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 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 2022-11-13
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. (MD)

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2017-09-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
I just have question on POA (Power of Attorney) issue with Bank of America.
I have accounts for my sons with Bank of America more than 20 years and always as POA. Since last month, they start showing POA at all banking statements instead of not appear. I ask the bank should it be hidden and keep between bank and accountholder instead of expose to public? Bank of America say "NO". So I want to confirm is that the new Reg or banking rule? If it does, why that not happen to all of my other banks? I contact FDIC, they refer me to OCC, then today I get email as follow: XXXX XXXXMail 
To	XXXX Today at XXXX XXXX XX/XX/XXXX
Ref. No: XXXX 
 
Re:      Bank of America, National Association
            XXXX, NC 
 
Dear XXXX XXXX:
 
Thank you for contacting the Federal Deposit Insurance Corporation (FDIC).  The FDIC's mission is to ensure the stability of, and public confidence in, the nation's financial system.  To achieve this goal, the FDIC has insured deposits and promoted safe and sound banking practices since XX/XX/XXXX. 
 
The Dodd-Frank Wall Street Reform and Consumer Protection Act created the Consumer Financial Protection Bureau (CFPB).  Based on our review of the issues you raise in your correspondence, we believe your concerns should be referred to the CFPB for assistance.  We are forwarding your correspondence to the CFPB at the address below.
 
Sincerely,
 
Consumer Response Center
Federal Deposit Insurance Corporation
Division of Depositor and Consumer Protection
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO  XXXX
Telephone:  XXXX
Fax: XXXX
 
cc/enc:   
Consumer Financial Protection Bureau
XXXX XXXX XXXX XXXX, IA  XXXX
Telephone:  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 2021-08-19
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: ALLIANT CREDIT UNION (TX)

Complaint:
I am writing to request an investigation and dispute for a derogatory mark I received on my Credit Report from my Alliant Car Loan ( XXXX XXXX XXXX  ). 

On XX/XX/XXXX I was alerted through my XXXX account that my credit score had gone down 91 points. I pulled my credit report and saw a derogatory mark. I called my loan provider Alliant and they said it looked like I did not have insurance XXXX XXXX even though I in fact have insurance for those three months. I called XXXX ( my insurance ) and they said this was caused by a glitch that occurred in the XXXX system.This glitch caused an increase in my car payment from Alliant, which I did not know about. I never received any documents in the mail about my the contracted amount going up. This resulted in an {$8.00} past due on my credit report and a derogatory mark. My account is on autopay and I did not realize the amount had been increased due to the glitch, even though I did have the proper insurance and was paying for it on time every month. I have always paid all of my car payments before this all happened.

Alliant told me to call XXXX Solutions to have my XXXX insurance verified since Collateral Protection Insurance or Force-Placed Insurance was put on my auto loan account, which caused my contracted amount to go up even though I did actually have my own insurance / was paying it on time. Documents have been sent to XXXX Solutions from XXXX to show proof that I did have insurance XXXX XXXX. I was told by the XXXX Solutions that I would receive a refund for what I had to pay when my car loan went up and my account has been updated to show that I did have insurance and my auto loan amount will go down to my contracted amount in around 3 weeks. 

I filed a dispute with Alliant on XX/XX/XXXX and asked them to remove the XX/XX/XXXX derogatory mark and they did nothing help to take the derogatory mark off my credit report even though I did have insurance the entire time and provided documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22
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. (TN)

Complaint:
I am writing to dispute the following information in my file. There's an unauthorized credit inquiry made by XXXX XXXX on XX/XX/2022. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purpose. As such, it is a very serious error in reporting. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act, section 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation, please and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify this validity. 

If you find that I was not one who authorized this inquiry, I ask that it be removed IMMEDIATELY from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, them please send me proof of this. Your immediate attention to this matter is appreciated!

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 2022-01-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Adler Wallach & Associates, Inc. (CA)

Complaint:
I have gotten repeated calls from AWA collections during the day and night. Every time I have spoken with them they threaten to take me to court or have me arrested for fraud which has caused so much XXXX  I don't eat can't sleep. They are very persistent and when I filed a complaint with XXXX  trying to tell them that this debt does not belong to me nor do I even know what it is for. All they did was update the information I was complaining about with AWA instead of removing it from my report because it was wrong

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: InDebted Corporation (NC)

Complaint:
I made a XXXX XXXX XXXX XXXX  online purchase using XXXX. I returned the order and XXXX continues to try and collect for the balance of the order, even after I informed them of the return. Just today, XXXX had a debt collector to contact me requesting payment of the balance.

Company response to consumer: Closed with explanation