hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-07-03
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Complaint:
Enclosed/Attached is a copy of my original dispute letter I am writing this due to non-compliance with Credit Reporting Agency Experian They failed to conduct a proper investigation in accordance to FCRA guidelines I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law Because in my dispute letter to the CRA dated XX/XX/XXXX. Inaccurate Items disputed XXXX XXXX XXXX, XXXX XXXX XXXX. Dispute reason : remove this account because the date of status or DOS didn't update, this irrefutable proof that no investigation was done. 

However in the CRA dispute results report they claim the items was verified as accurate but how could this be? when the date of status or DOS didn't change/update after the investigation was done, this proves that no investigation was ever done because the date of status or DOS didn't change. DOS didn't change/update even though the CRA claimed that the inaccurate items reporting on my credit report was verified as accurate and their investigation is complete, but the DOS didn't change to be a current updated date as per FCRA. 

It is to be noted that prior to my dispute with the CRA, inaccurate item XXXX XXXX XXXX date of status or XXXX was ( XX/XX/XXXX ) and inaccurate item XXXX XXXX XXXX date of status or XXXX was ( XX/XX/XXXX ) After what is known as an investigation that was conducted and completed by the CRA, my dispute results from that investigation shows the DOS didn't change/update.

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 2023-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Complaint:
I, XXXX XXXX, consumer and natural person, am aware of all the rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act. XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. XXXX XXXX illegally obtained personal and private information and sold it to other reporting agencies, including XXXX, XXXX, and Transunion. I did NOT grant XXXX XXXX permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. 

As the consumer and natural person, I am invoking specified remedy and make the following demands : Cease and desist reporting of the account name filings to all consumer reporting agencies. 
Remove reporting of the account name filings from all consumer reporting agencies. 

Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA. 

I have tried fixing it with credit bureaus several times. PLEASE DELETE

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 2021-04-02
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. (VA)

Complaint:
RE : XXXX  This is not a duplicate report, XXXX XXXX XXXX added new false derogatory statements by adding : 1. new 60-day late payments for XX/XX/XXXX andXX/XX/XXXX, 2. the first delinquency occurred on XX/XX/XXXX, 3. the account was closed on XX/XX/XXXX, and 4. the last payment was received on XX/XX/XXXX.

1. There was never a late or missed payment on the account. Therefore the 30-days and 60-days maliciously reported to the credit bureaus must be removed.

2. There was never a delinquency, however, XXXX XXXX XXXX  has reported many false and malicious claims to the credit bureaus between XXXX and XXXX and again between XX/XX/XXXX and XX/XX/XXXX.

3. The property was sold in XX/XX/XXXX and the bank first reported the account closed on XX/XX/XXXX and continued to maliciously report new missed and late payment delinquencies through XX/XX/XXXX which are being used to impact my credit report and credit scores negatively.

4. XXXX XXXX XXXX received its last payment from me in XX/XX/XXXX, the property was sold and I was not required to submit any more payments and did not make anymore payment. Therefore, there was never a 30-day or 60-day late payment in XX/XX/XXXX as reported by XXXX XXXX XXXX. These maliciously reported delinquencies must be removed from my credit report and my d scores restored to their values prior to the impacts of the false claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Complaint:
XXXX, XXXX & XXXX  reflects whatever data the credit card company wants reflected for each individual. 

So I am filing a complaint against my credit card company to report missing active, good-standing revolving credit card accounts & it's entire history accurately to all 3 credit bureaus. 

Per XXXX  & XXXX  - Capital One is suppressing these revolving accounts from being reflecting on all my credit reports. However, these credit cards are open, with active balances and I have never made a late payment at any time. 

I have 2 revolving cc accounts that are missing from 2 or more of the credit burueaus. 

Capital One Visa ending : XXXX Capital One Mastercard ending : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-29
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. (PA)

Complaint:
I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Complaint:
CAPITAL ONE BANK NA is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$460.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Complaint:
I already sent Debt Validation ( XXXX Letters ) dated XX/XX/2022 for the items listed under my account which is inaccurate and is giving a bad impact on my credit report. I also sent another letter for the method of validation. It's been more than 30 days and I haven't received any response.

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 2020-12-09
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: EQUIFAX, INC. (MI)

Complaint:
Pulled up a copy of my credit report and seen there were some accounts that aren't mine and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute are listed below : XXXX # XXXX. Also, please remove ALL following unknown inquiries : XXXX XXXX XXXX via XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX via XXXX XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX, XXXX XXXX XXXX XXXX via XXXX XXXX, XXXX XXXX XXXX  XXXX  via XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A. (NC)

Complaint:
PNC is engaged in systemic fraud regarding their credit card promotions and payment applications. I have been a long time customer with PNC, and up until know, have always praised their practices and customer service. After speaking with a member of their high level retail card specialist team, they confirmed they are engaging in illegal behavior. This issue is costing hundreds, if not thousands of dollars, from all of PNCs ' unsuspecting customer 's. PNC offers a balance transfer for their XXXX credit card, which on their website states : the minimum payment due is applied to the balance transfer while any remaining excess funds are applied to the highest APR balance. However, on my last statement, a month after accepting their balance transfer, they applied funds to my balance transfer ( muting the point of a balance transfer and their fee ) and then charged interest to my standard APR purchase balance. This is in direct violation of their terms, applied practices across other credit cards/banks and is flat out wrong going beyond negligence into fraud. To understand the math and their deceptive/fraud business practice : XXXX Statement : Balance-XXXX Min Due- XXXX 0 % Promo Balance- XXXX Paid/Credits : XXXX XXXX Statement : Balance- XXXX Interest Charged at 20.74 % - XXXX Min Due : XXXX 0 % Promo Balance : XXXX PNC literally charged a balance transfer fee and then applied funds fraudulently so they could assess interest. In one statement, PNC fraudulently assessed/charged almost {$120.00} in erroneous fees. As my payments should have been applied, there should have been no interest charged, the balance transfer rate should have only decreased by the minimum payment of {$87.00} to {$1700.00} with the remaining credits/payments reducing the purchase balance at the standard 20.74 % rate. Please help stop these illegal practices and the thousands of consumers who are being fraudulently stolen from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Complaint:
I have been trying to open business account with my credit union to get my PPP funding and Bank of America has incorrect information reporting to XXXX XXXX as fraud/acct closed/ nothing paid showing to XXXX XXXX. I contacted BOA and there system does not show any of this. BOA says there system shows closed account nothing owed upon closing. They even have record of them sending out XXXX cent refund. They tell me they do not see what XXXX XXXX says is showing and no way for anyone to generate any letter to XXXX XXXX because the system does not show any negative balances due. 

Finally talked with risk manager at BOA who said well send in a copy of XXXX XXXX  reports and go from there. I tried calling BOA risk/recovery depts for fax or email to send paperwork too and all says fax has to come from institution. I go into BOA location and have them fax. I went into BOA and the reps faxed copy of XXXX balance due paperwork to XXXX XXXX then I asked for them to fax copy to their risk and or reocovery depts to be updated with what is going on as stated in above paragraph. 

They proceeded to call the depts to get fax number and both depts gave BOA admin run around like I had been getting back and forth to each dept stating this dept has to handle this, in the end BOA admin had both depts on line together as they spoke and no one had a fax number that paperwork could be sent too. they stated that they were working from home and no fax to give. 

one did provide a address for mailing paperwork to Florida ; however, My loan money is being held at another institution I'm at risk of losing my home and need resolution asap before my funds are returned and i can not get another ppp loan and my family and I will be out on the streets. 

I am even trying to open business acct with BOA so hopefully they can see their own mistake if they too use XXXX XXXX to determines eligibility of getting business acct opened at this moment I am at a dead end and need help sent out to higher up heads within BOA institution. having trouble getting paperwork to BOA to get XXXX XXXX updated. XXXX XXXX will not remove unless they here from BOA. BOA says nothing to update, yet the consumer is losing due to BOA error Consumer is suffering, Consumer will homeless on the streets of Michigan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20
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. (FL)

Complaint:
XXXX XXXX is not reporting the date the account became delinquent and after which it was never brought current. XX/XX/XXXX, I made my last payment to XXXX. That payment was for XX/XX/XXXX. I paid XXXX over {$11000.00} dollars and all I was paying was interest. 
XX/XX/XXXX, the account became delinquent and never became current. XXXX is reporting XX/XX/XXXX, as the date became delinquent and never became current.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
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. (TX)

Complaint:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2020-02-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

Complaint:
I believe that FedLoan Servicing ( Pennsylvania Higher Education Assistance Agency ) is unintentionally mis-reporting tax information for annual student loan interest payments for a calendar year to the IRS. I receive a document stating how much interest on my student loans is paid each calendar year in XXXX for the previous year. The numbers provided on these statements to me, the consumer, do not match the interest loan payments I made for the life of my loans, nor to the calendar year which FedLoan appears to be reporting on. 

In addition to this, account information is not directly accessible via their website after student loans are paid, they must be manually requested by the consumer from their support department, as they block access to the " Account Access '' portion of their website once all your loans are paid. When I received a copy of my student loan payments for the life of my loan ( FedLoan serviced my loans for at least the entirety of my repayment period ), I did a complete reconciliation of every payment, along with principal, interest amount, and residual balance after payment, from my personal records to the records FedLoan supplied, and my personal records were perfect. As a note, my loans are completely paid off, so I do know the absolute total amount of interest I have paid across each of my 4 loans, as well as in total ; see below. 

The meat of the problem lies here - FedLoan reported to the IRS that in XXXX I made student loan interest payments totaling {$140.00}, and in XXXX I made interest payments totaling {$510.00}. I do not have a statement for XXXX, and will not until XX/XX/XXXX. That being said, my personal records and the records provided directly to me by FedLoan state that my total interest payments for the LIFE of my four loans, across all loans, is {$540.00} in aggregate. This number, the true interest payment total for the life of my loans, is significantly lower than the total {$660.00} that FedLoan has reported to the IRS for the XXXX and XXXX calendar/fiscal years. 

FedLoan ( Pennsylvania Higher Education Assistance Agency ) has mis-reported my total student loan interest payments to the IRS, which affects the true deduction amounts that the IRS is expecting me to take on my tax returns each year. Please reach out to me for any clarifications or identifying information in order to validate these statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Complaint:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my 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 non-monetary relief
Consumer complaint received 2019-03-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc. (IL)

Complaint:
On XX/XX/2019, The Corporation/LLC Certificate of Good Standing for the state of Illinois shows that CMRE Financial Services , Inc. is not legally able to collect in the state of Illinois as they are in not good standing per the website. I am disputing the debts reported on my credit due to no valid license for CMRE to collect in the state of Illinois.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
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. (AL)

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report and to this day over 60 days later I have not received a response yet. Personally I feel like I'm being taken advantage of and this simply is not fair. Section 511 ( a ) it clearly states that failure to investigate these items within 30 days gives a reason to immeditately remove these items from my credit report but it has been over 60 days and they still havent replied so they should remove them promptly. I demand these accounts be deleted immediately or I will be forced to take action with the FTC. This has been truly stressful. My information was also impacted by the XXXX  data breach and may have somehow gotten into the wrong hands.

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