hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (CA)

Complaint:
This account was already PAID and should not have any late payment recorded as I pay this on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
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: EQUIFAX, INC. (NY)

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

Complaint:
Someone has opened a visa in my name ending in XXXX I dont know the bank or card number. This individual used it at Best Buy for over {$900.00} and used another card that Ive already 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 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

Complaint:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (IN)

Complaint:
The credit bureaus have yet to respond to my credit bureau disputes, I have not gotten a response back from none of them at all and I am trying to improve my credit

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 2017-09-13
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: EQUIFAX, INC. (MA)

Complaint:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
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. (GA)

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts 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 the Verifiable Proof you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

1. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. This account has been settled and paid. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

5. XXXX XXXX Account Number : XXXX This is my SECOND ATTEMPT to remove inaccurate late payment remarks from my report. Please stop your stall tactics and comply with my request for removal of the inaccurate information as it is a BLATANT VIOLATION of my rights as a consumer under federal law. XXXX XXXX Account Number : XXXX The following account has been listed as having late payments, pursuant to 15 USC 1666, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Please update the account as I have not been late on any of these payments. 




* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


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 non-monetary relief
Consumer complaint received 2019-04-28
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. (MO)

Complaint:
I'm re disputing the following unauthorized accounts opened up in my name .Accounts inwhich the 3 major credit bureaus are reporting but has not validated their reportings with certified physical documentation but yet relaying on electronic Verification inwhich could be altered or manipulated. As a consumer within my rights as guaranteed by the FTC and the FCRA I'm demanding that these accounts be blocked immediately or the 3 credit reporting agencies provide me physical documentation as well as a detailed Method of Verification used in this instant investigation. Please block these accounts .... ( 1 ) XXXX XXXX {$640.00}, ( 2 ) Public Record {$0.00}, ( 3 ) XXXX XXXX, ( 4 ) XXXX XXXX XXXX, ( 5 )  XXXX XXXX XXXX XXXX,, ( 6 ) XXXX  XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
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: EQUIFAX, INC. (WI)

Complaint:
In accordance to the Fair Credit Act my rights have been violated please resolve this many times They are violating my rights!! 

15.U.S.C 1681s-2 ( A ) a person shall not funish any information relating to a consumer to any consumer reporting agency if a person knows or reasonable cause to believe information is inaccurate 15.U.S.C 1681 section602a=right to privacy 15.U.S.C 1681 section604a section2= can not funish my account without my written permission 15.U.S.C 1681c ( a ) ( 5 ) LIST OF HARD INQUIRIES AND ACCOUNTS : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (TX)

Complaint:
As I am a XXXX XXXX XXXX XXXX XXXX  holder, I opened an NFL Visa card with Comenity Bank due to their preferential zero-interest terms for XXXXXXXX XXXX XXXXXXXX. Comenity 's terms and conditions specify that " special financing '' applies for XXXX XXXX XXXX of {$250.00} or more made at XXXX Team Ticket Offices, XXXX, XXXX, and XXXX with your NFL Extra Points Visa Credit Card ''. In addition to special financing, previously mentioned purchases are eligible for XXXX XXXX  rewards rate as opposed to the normal XXXX XXXX rewards rate. 

On XX/XX/2022, I paid for my XXXX XXXX XXXX XXXX tickets of {$3500.00} directly through the XXXX XXXX XXXX XXXX. The listed vendor on my statement was XXXX XXXX XXXX XXXX XXXX XXXX a clear indication that the above conditions were specified. However, I was assessed interest charges as well as received the normal XXXX XXXX  rewards rate rather than the XXXX XXXX rewards rate. I was assessed a {$45.00} interest charge on XX/XX/2022 and a {$31.00} interest charge on XX/XX/2022. 

I have attempted to contact Comenity Bank through their secure message portal and by phone. Comenity Bank has had " system updates '' that have had their listed phone number be no longer in service and " high call volume '' that have caused multiple phone calls to have over an hour of waittime without reaching a representative. I have been unsuccessful in contacting Comenity Bank to find a resolution to the above issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-04
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:
There is a fraudulent name on my credit file : XXXX XXXX XXXX. There is also a fraudulent address : XXXX XXXX XXXX XXXX  ny XXXX. My name is XXXX XXXX XXXX and my current physical address is XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  ohio XXXX.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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

15 US 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.

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 2022-07-04
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: WELLS FARGO & COMPANY (GA)

Complaint:
I did not authorize my information to be shared 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 section 2. States that a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late payment Consumer law

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 2019-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
I lived in apartment complex for 2 years until a Maintance man made it very uncomfortable and was entering my home with no orders I was at a month to month lease by then. I was told to as long as I gave notice it would be fine because I have until the XXXX of each month.I have pictures of apartment left spotless and they never gave me my deposit back which was {$650.00} and they billed me for a months rent which is all false I am going to try to get a smalls claim court order but they are robbing me blind I  have never been a late payment type of person on my rent I can get that in writing from each land lord.I have had the last 15 years.

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 2022-07-14
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. (NY)

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2018-03-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc. (AZ)

Complaint:
On XX/XX/2018, a payoff check for our auto loan with GM Financial was sent to their office. On XX/XX/XXXX, GM confirmed that they received the check. Today is XX/XX/XXXX, and GM still has not credited our account and closed out our loan, despite acknowledging that they received and cashed the payoff check. Not only that, but GM has continued to report the loan as Late to the credit bureaus! Not only did we make a regular payment, we paid off the loan in full! 

Because of this, we were barely able to obtain a loan to buy a new car, and we had to pay a higher interest rate and were limited in our choices, because, to the banks, it looks like we still have an auto loan open, that we're not paying! AND they are continuing to hound us with collection calls! We were told they would put a 1 week " courtesy hold '' on collection calls last time we called - there's nothing for them to collect on! The loan is PAID OFF!

As if all of this wasn't bad enough - we're not the only victims! A rep at GM told us that there are " over 100 '' accounts in the same situation! They blame a recent " software upgrade, '' but it seems that there must be a way that in over a MONTH 'S time, they could credit our account and close it! They even generated a statement on XX/XX/XXXX, 15 days after they acknowledge they received the payoff, showing that we owe a balance we do not owe! It is fraudulent! 

They acknowledge that this is entirely their fault, but every time we call, we're just put off further and further - " give us a couple more days, '' or, " it should be all cleared up within XXXX business days. '' But it isn't! This is ridiculous, and it can't be legal for them to continue to fraudulently report the account as Late to the bureaus, when it is not late at all! Please let me know what we can do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Complaint:
My identity was stolen and multiple fraudulent accounts where opened under my name without my authorization and or knowledge. These fraudulent accounts are as follows, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX. Ive advised XXXX and Transunion of this. Ive disputed the validity of all of these accounts with XXXX  and Transunion as well as those listed collection agencies, several times to no avail. XXXX and Transunion, along with those collection agencies refuses to provide me with the documentation Ive demanded them to provide me with, XXXX and Transunion refuses to remove these fraudulent accounts out of my name and off my credit 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 2020-03-23
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. (FL)

Complaint:
Requested description of investigation results of incorrect/unverified reporting accounts on my credit report as per federal law FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

Also requested original documentation with my signature of incorrect/unverified reporting accounts as per federal law FCRA 609 ( a ) ( 1 ) ( A ). 
Request was made XX/XX/XXXX, as of XX/XX/XXXX still have not been provided a copy of requested documentation. This is against my federal rights.

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 2020-03-27
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. (VA)

Complaint:
Please delete this account from my credit report because they are reporting inaccurate information. The company XXXX XXXX # : XXXX. This company XXXX is reporting inaccurate information and the tradeline should be removed as soon as possible. I received a response from the collector that states that they received the account in XX/XX/2019. However, they are reporting 2 separate dates, XX/XX/2019 and XX/XX/2019. I have never agreed to authorize this merchant to collect on this balance which are reporting as late and at this time the information that is being reported is considered misrepresentation with false information provided to 2 credit bureaus. The company is also reporting under 2 separate names and providing negative payment history. The CRAs have an obligation to report accurate information, please stop this company from damaging my credit with this incorrect 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 non-monetary relief
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
There are unauthorized businesses on my credit 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 2021-02-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

Complaint:
Company says they sent a letter of verification, they did not, and representative refused to send me a letter to verify that the debt belonged to me with proper identifying information, then told me I would be sued for the debt even though I can't verify it belongs to me. 
I disputed the debt before because they did not have the correct information according to the first representative, they claim that they do but will not allow me to see what information they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BMW Financial Services NA, LLC (CA)

Complaint:
I have a loan with BMW FINANCIAL SERVIC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and BMW FINANCIAL SERVIC with no successful resolution. XXXX  was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2016.

Company response to consumer: Closed with explanation