hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-07-24
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. (NE)

Complaint:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

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 2017-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
Few years ago i found out that my identity was stolen several years ago and several credit account were open under my name.I start my own investigation to see what happen because I was very upset and my credit was totally ruined.When I was student I was every summer going to seasonal city as XXXX XXXX MD.Everyone in USA who knows that city know that it is seasonal place, and people go there only for summer to work.When I was there during those years, I was living with 8,9 different roommates from everywhere and always they were changing.So during that time I don`t know how someone stole my identity and opened several accounts under my name and start using it.At that time since i had zero knowledge about credit I had no idea what`s going on, and after several years I find out that I have several collection accounts on my credit.I Then I called to credit bureaus and they told me to go and get a police report.I went to XXXX XXXX police department filed a police report and send it to every credit bureau with those account numbers.Everything was deleted from my report except 1 Bank of America account only in XXXX.
Its been almost 2 years i`m fighting with them and they are not trying to help me at all. 
I did everything what they ask, I send every document possible but they don`t wan na do anything.I`m really tired of this situation.This is ruining my life.I have successful business, i have great future plans but this fraudulent account not letting me to do anything.Please help me to resolve this issue.Your guys are my last hope.Bank of America doesn`t wan na do 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 2020-11-15
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: Santander Consumer USA Holdings Inc. (GA)

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 my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CO)

Complaint:
I had a payment due  XXXX / XXXX / 2017 . As of  XXXX , I was sent an email that my payment was not received, and logging into their site I see a late fee was applied. I worked with customer service, who said there 's magically no way to reverse the late fee because computers, and that I must 've paid after the cutoff time. Their site allows a choice of date to apply, which I did for that day. Customer service claims I must 've missed the cutoff time, but gives nothing to back up that claim. I contend that I paid it in time, including the cutoff time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

Complaint:
Experian refuses to allow you to dispute hard inquiries over the phone unless there's identity theft. I asked about disputing by mail and they told me I would get the same response ( not worth the 30 days ). I was told that I would have to submit the dispute to the inquirer, but that would lead to a more unfair investigation as it's now done by one party instead of two. The FCRA stipulates that a credit bureau has to accept disputes and forward them to relevant creditors. Sending disputes directly to creditors is simply an alternative option granted by the FCRA, not a requirement.

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 2023-05-19
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: Resurgent Capital Services L.P. (AR)

Complaint:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
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. (MI)

Complaint:
Experian recently double reported a chargeoff. XXXX XXXX XXXX had a {$160.00} chargeoff and it was reported XXXX  months ago and I just got an alert that thet REreported it despite it already having been paid and reported.

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 2020-05-23
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:
Equifax has reported a collection account from XXXX XXXX   XXXX that has been previously removed. Further I took both equifax and XXXX  to court over this matter and it was settled that the information was not mine and that it was to be removed and not added again. As it was the last 2 years. Then Today it was posted again. The info in the collection does not match my name or social, further it violates the settlement of the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (MA)

Complaint:
I received 2 mailings on XX/XX/2021 from SunTrust bank. One for checking, the other for savings. I did not open any accounts with SunTrust, nor have I ever done business with them. I called and they verified that they had my social security number. They said they would cancel both accounts. Yet I later received a statement from them. 
I asked for info on the criminal who has my social security number and if they could shed any light on this. But they refused. 
Also, it is very strange that they opened 2 new accounts with no funds. Every bank account I know of has a minimum deposit in order to open the account. How could they open accounts with no money?

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 2022-06-17
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. (SC)

Complaint:
Violation of Privacy & Consumer Rights I received a copy of my credit report with the intention of trying verifying what is all on my credit. In the process of doing so, I realized that I have not given anyone written consent to place the attached items listed to my credit report. In accordance with the Fair Credit Reporting Act ; XXXX  accounts listed below has violated my rights. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 15 U.S. Code 1681i section 602a ; stated I have the right to privacy. Which means that if I did not give my consent to the furnishers of these accounts or to your reporting agency to place upon my government administered social security number ; my rights has been violated. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 15 U.S. Code 1681i section 604a ; also states that a consumer reporting agency can not furnish an account without my written instructions to do so. Which I have not written this agency to do so. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 15 U.S. Code 1681i section ( A ) states the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. I did not receive that notification. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Finally, 15 U.S. Code 1681i section 5 ( a ) states in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate based on the results of the investigation. Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (UT)

Complaint:
I received a voicemail yesterday, XX/XX/XXXX, from the phone number XXXX. The gentleman said his name was XXXX XXXX from XXXX XXXX and XXXX, and that they were preparing a preliminary Civil Claim with my name and information attached to it. And if I did not contact them immediately that they would be filing a Civil Suite , on behalf of their " clients '', and that they would give me the opportunity to give a statement. 

I immediately contacted them and I was sent to a pre-recorded message. I left a message and asked what the claim was, who the claimant was, and that if they could email me the information so I could share it with my attorney so we could respond accordingly. About 15 minutes later I received a call from another individual, who went through a very odd verification process to validate I was who I was. After that, she continued to threaten me with a pending lawsuit. I stopped her and asked who was the claimant. She went on to explain that she works with a " mediation '' group that helps solves collections for their clients. I then asked who her client was, and she said that she could n't tell me, but that it was an old debt from XXXX XXXX XXXX. The only XXXX card I ever had ( beside my current one ) was for a business that I was involved with years ago, and since has closed. At one point, that company did have a XXXX XXXX card, so I asked her if this was a corporate account. She said yes, but I personally guaranteed it, something I NEVER did. As I started to ask more questions about the account, when this account was active, etc., she became irate with me and said do you want to take care of this or not. 

I explained that I do not recall this account, and that if there was an issue years ago, XXXX never got a hold of me. She started to spout of some laws that since this was a commercial account, and that I guaranteed it, and that the original creditor could not " get a hold of me '', that the Statute of Limitations started the second she spoke with me on the phone. She also claims the last payment was early in XXXX. I asked if she knew the laws in XXXX  about Statute of Limitation and she began to raise her voice and threaten me. I then told her she needs to send me all related documentation so I can forward to my attorney who would be in contact with her. She said she could not do that, but will send me a settlement letter, and then abruptly hung-up. 

Original voicemail is 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 explanation
Consumer complaint received 2018-12-09
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. (CA)

Complaint:
I requested a copy of my credit report on XXXX-18 and discovered unknown credit and decided to file a dispute with the credit bureau but it gave me the following message ; " we are unable to process your dispute ''. I have several credit accounts on my credit report that I did not authorize and need to dispute them as I have been receiving collection calls regarding these debts that I personally did not authorize and voluntarily incur this debt. I strongly believe I have been a victim of credit fraud. Consequently I have been denied housing.

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 2022-01-10
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: EQUIFAX, INC. (NC)

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
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. (LA)

Complaint:
Sent via mail onXX/XX/XXXXa letter to XXXX along with a check payment stating upon cashing my check payment they would agree to remove all late payments from all three credit bureaus ( XXXX, XXXX, Experian ) immediately. My check was cashed on XX/XX/XXXX and the late payments remain on the account they have not been removed yet. Per the agreement these should be removed from all three credit bureaus. I have will attach a copy of the letter and copy of check along with a snip it from my bank showing it was cashed.

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 2022-04-19
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (GA)

Complaint:
I was looking at my consumer report and noticed several student loans listed on my account. I am writing this letter in reference to these loans and would like to settle this matter with your company. 

I would like for Nelnet to send me a statement of the amount owing as of XXXX XXXX, 2022, and I am conditionally agreeing to pay if you can provide me with the original instrument of indebtedness in its original form. I do not want Nelnet to send me a computer-generated letter, or a copy of a promissory note, I only want the original instrument of indebtedness with my wet signature on it. 

In addition, I would like Nelnet to know that only the holder of the note has the right to collect on the original instrument as such. Please provide proof that my account was not sold and used for profit as it pertains to securitization. 

Lastly, I would like to request my written permissible purpose letter that I sent your company that stated I gave your company the right to furnish this information on my consumer report. According to federal law, Under 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Never did I once grant your company permission to furnish such information on my consumer report nor did I consent for you to sell my personal information to outside third parties. I am giving your company thirty ( 30 ) days to settle this matter, please use this time wisely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 15USC 1681. 

XXXX XXXX XXXX XXXX ) : # XXXX, XXXX XXXX XXXX ( XXXX ) : # XXXX, XXXX XXXX ( XXXX XXXX ) : # XXXX, XXXX XXXX ( XXXX XXXX ) : # XXXX, XXXX XXXXl : # 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 : it also states a consumer reporting agency can not furnish an 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 record by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
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. (PA)

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-06-26
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: U.S. BANCORP (MA)

Complaint:
Certified mail sent with information explaining the primary users responsibility per a divorce decree to close an account. It also states if he did not close it he would be solely responsible. I received a letter stating the information that I sent was insufficient. I called the number provided. They claimed they could not see the information sent and did not have anything to collaborate it was sent regarding the information placed on my credit report. The amount is for {$100.00} after I notified my ex husband, he then reported the unpaid amount as fraudulent. I mailed my information on XX/XX/XXXX. I received the letter that there was insufficient evidence on XX/XX/XXXX. The letter was dated for XX/XX/XXXX. 
I want this debt erased from my credit report. I informed them but they have not removed it or place my credit score to its original state.

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 2021-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NV)

Complaint:
On XX/XX/XXXX, I took my dog to the vet, the bill came to {$410.00} I had a balance of $ XXXX.on my Care Credit/Synchrony Bank card . It was declined. I contact CareCredit who informed me that they lowered my limit unbeknownst to me. Ive always paid my bill on time. CareCredit/ synchrony the powers that be figured I didnt use my card ENOUGH, they would take a step towards ruining my credit! Never mind the fact that I pay on time every time. Most credit card companies send out a notification and allow a grace period. My available balance as of XX/XX/XXXX was {$1500.00} to XX/XX/XXXX a balance of {$100.00} how is this ok without notification. A credit card company should not be able to ruin a persons credit when that person PAYS their bill on time! I feel like Im being punished for using my Care Credit for emergencies only and paying on time.

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