hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-07-24
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:
To whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law toverify, through the physical verification of the original signed consumer contract, any and all accounts that 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 ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following account be verified or removed immediately : 1. The inquiry was not authorized CREDITOR Please remove it from my credit report. 

I respectfully request to be provided proof of thisalleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. 


Thank you, 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 2022-06-21
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. (TX)

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1692C A Section 1 : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX antemeridian and before XXXX XXXX postmeridian, local time at the consumers location.

The debt collector has communicated with me without my express permission, it has furnished my account without my written instructions and has violated my privacy.

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 2022-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX  account XXXX, and XXXX XXXX account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2023-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Please correct the account, or inaccurate information, from my file immediately 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 2020-01-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc. (TX)

Complaint:
Franklin Collection has harassed me and added illegal information about owing a debt in the amount of {$170.00} to my credit reports. I have never made a agreement with this company for this service. As recently as XX/XX/2019, when requested documentation under FACTA law, I was ignored. I was provided no agreement, contract, or sufficient documentation in order to validate this debt as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
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:
9 inquires on my credit was not authorized. I tried to resolve the issue with Equifax and the company, but the inquires have not been resolved properly

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Complaint:
Fax XXXX XXXX XXXX Account Manager XXXX XXXX Case Number : XXXX Paid Off Account XX/XX/XXXX {$7400.00} XX/XX/XXXX {$300.00} Automatically payment withdraw from XXXX XXXX account Account gets positive credit {$300.00} Customer ask to reverse {$300.00} back to XXXX XXXX but the money never made to his account. 

Customer called inquire about the reverse status of the account Bank of america representative instructed customer to contact his bank wells fargo. 

XXXX XXXX re ensure money never made to the account and reverse the charge. 

Could Bank of america prove the money went back the customer account? 


A Bank of America representative told customer that the money was send to a company called XXXX XXXX. 


Customer is sending statements as Bank of America requested from banking account activity back to XX/XX/2018. 


Please note : The {$300.00} went back to customer account on XX/XX/XXXX as a result of a dispute. 

If the account was {$300.00} positive and the only money refunded was {$300.00} the Bank of America balance should be reflecting {$0.00} and instead is reflecting - {$300.00}.

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 monetary relief
Consumer complaint received 2022-05-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

Complaint:
I sent my pay-off check to Nissian on XX/XX/XXXX by XXXX  for my XXXX XXXXXXXX XXXX XXXX. They received the payoff check on XX/XX/XXXX @ around XXXX XXXX and signed for the check. Its now XX/XX/XXXX and the loan is still not showing paid off. Which in turn now is going to make me 30 days past due and will now affect my credit score/report showing I was 30 days past due. ive called them numerous times asking about the account and why it has not been paid off and I get no answers but theyre showing that they received the check and sign for. It shouldnt take more then 10 Business days to process it because when you get a payoff quote its only good for 10 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (SC)

Complaint:
In XXXX I opened a Well Fargo checking account. At the time I lived in XXXX, GA. I thought that I would be XXXX of the people notified when the lawsuit was filed but I was not. Maybe because I've been back in SC since XXXX. I had nothing but agony the entire time I had this account. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This bank always found a reason to allow my checks to deposit a following day. I would have so many checks with NSF. Every month. The employees were rude. On XXXX occasion during a dispute, a XXXX followed me out of the bank as if he was going to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After I was denied a housing loan I left the bank. Even today, I still carry the hate I have for Wells Fargo. In XXXX my mother took out a {$2500.00} loan for us to go XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX she was still with Wells Fargo and still paying back the loan. I told them that they were lucky because if it was me they would never get another 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 2019-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Nelnet, Inc. (GA)

Complaint:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (FL)

Complaint:
I did not know I had a payment due in XX/XX/2018 on the Citi Double Cash Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (SC)

Complaint:
On XX/XX/2023 XXXX notified me that Convergent Outsourcing flagged my report. This company is a debt collector who stole my identity and have be reporting false and inaccurate information on my consumer report. I have never done any business with this company nor do they have any contract that I have sign with them. I have never given Convergent nor XXXX permission to furnish any false and inaccurate information on my 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 explanation
Consumer complaint received 2023-06-22
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: TRUIST FINANCIAL CORPORATION (TN)

Complaint:
Unauthorized inquiry, fraudulent/identity theft!

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 2018-06-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Commonwealth Financial Systems, Inc. (OH)

Complaint:
Have contact both party 's involved numerous times still no resolution. The problem is that it's a medical bill that was discharged in bankruptcy in XX/XX/2014. Appears on my XXXX credit report as in collections with Common wealth Financial ( XXXX XXXX ) Head supervisor XXXX extension XXXX. It has been dismissed through Common Wealth Financial I  currently have no open accounts with them. Bankruptcy was final in XX/XX/2014. XXXX will not remove it off of my credit report I have contacted them give them the number of the XXXX person in charge at Commonwealth where the he said he would talk to them personally and have them remove it they would not contact him. I've been dealing with this for two months now on my credit report I have called a gazillion times I have documentation of every time I have contacted both. The account is in the amount of {$250.00}. Bankruptcy was closed XX/XX/2014 I've given them both parties all the documentation Commonwealth has no open accounts. Supervisor that I contacted from XXXX was XXXX who would not take care of it he said it was out of his hands. At this point I have no idea what else to do where else to turn. Hopefully I can get some satisfaction through you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
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. (PA)

Complaint:
I have these accounts that are not mine and i want it to be removed from my credit report. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft CITICARDS CBNA Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number  : XXXX This is not mine.

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 2020-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
I am writing in regards to a late payment on my credit report from for XX/XX/XXXX on my Bank of America account # XXXX, credit limit {$33000.00}, that occurred due to my email being hacked. ( See Attached proof ). 

In XXXX, XXXX my XXXX email ( XXXX ) where I get my statements from Bank of America was hacked. Due to this, Bank of America did not get to me at the time and I was not even aware my account was carrying a balance and had a payment due. 

Months later after dealing with XXXX, when I was able to access my email, I found that there were emails from Bank of America and I was late on the mentioned account. I immediately made the payment on but by that time I was already marked late. 

Again, this was a situation that I could not control. Anyone can be a victim of identity theft. I had over {$45000.00} in the bank, which was more than enough to make the payment. This was not a money issue or even worse, because I did not want to pay. Now I have a perfect record of on-time payments. 

As a courtesy, I am requesting that Bank of America make a goodwill adjustment and remove the late payment from my record. This account was closed, but I have been with you since XXXX ( with another account ). You have been my bank for a long time. 

See attached : - Proof of email hacked - FTC Report - XXXX Bank statement showing funds Thank you for your consideration. 

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 2017-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (MD)

Complaint:
Good Evening- Per active hours my bank account does n't update fast enough. Also says my bank is n't fast enough updating my information. For example, today it says my bank account to too low, as in there is no money in my account, to cash out but I received my paycheck today and my bank account is. It in the negative.

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 2018-08-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc. (WI)

Complaint:
In XX/XX/XXXX my husband and I filed a WI 128 amortization of debts. This plan was paid in full on XX/XX/XXXX. All creditors received notice that the debts were satisfied at that time. This company is still reporting the XXXX debt as outstanding to the credit bureau. I have disputed this debt twice with the credit bureau twice but the company refuses to enter it as paid on my credit file.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (TX)

Complaint:
I attempted to log in to view what the amount was and the information that Midland Credit Management had online for a bill that was owed. They said they referred my debt to a lawyer. That lawyer is another debt collector, XXXX XXXX XXXX, and not a lawyer like theyre claiming.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (TN)

Complaint:
After receiving my credit report, I am not happy to see the below items to be in inaccurate and invalidated.

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 2019-03-04
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:
There are several unverified accounts on my report and the reporting agency refuses to remove the account or supply me with verifiable proof ( signed contract or other documents with my signature ) that the account belongs to me as required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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. (PA)

Complaint:
I submitted a complaint last XX/XX/2023 for the removal of the unauthorized and fraudulent inquiries but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent inquiries and for assistance to remove them from my credit report immediately. I am not the one who initiated these inquiries. They are not mine.

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 2023-05-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

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 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 2018-11-14
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Complaint:
XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with non-monetary relief