hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX I am looking to update date my credit report the proper way and correct a few errors I have found. First up I do not live at nor have I ever lived at the following addresses : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX, XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX ( NO SUCH ADDRESS ), XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-06
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:
The information reported to my consumers file is inaccurate. This tradeline needs to be updated and reported accurate as this account is current with no past due history.

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 2023-07-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

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 2018-07-24
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (CA)

Complaint:
I have a loan with NAVIENT 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, XXXX, XXXX and NAVIENT with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX / XXXX XXXX / XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
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. (GA)

Complaint:
On XX/XX/2023 I send in disputes letters to experian, XXXX, and XXXX. It is XX/XX/2023 I still have not heard anything from the credit companies and it been over 30 days. I also send a 30 day demand letter.

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 2022-11-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (OH)

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Complaint:
I was forced to purchase tickets I could not use to go to XXXX XXXX. I complained to my credit card company about the charge. XXXX XXXX lied to Bank of America and said I used the ticket but they actually issued me another ticket to use in XXXX, instead of giving me a refund. They are holding onto my money. I would have to buy new plane tickets, and get a new hotel room, to be able to use these tickets. I want a refund not complimentary tickets to use in XXXX. Bank of America thinks its ok for me to not get a refund. Then they called me and said they will take care of my complaint and they gave me a number to call and a person to talk to. That person does not return phone calls or answer the phone. The number goes straight to voicemail. Her name is XXXX she works at Bank of America her number is XXXX ext XXXX. 

The transaction date is XX/XX/XXXX the posting date is XX/XX/XXXX the reference number is XXXX. The amount is for XXXX This is the new ticket they gave me after I flew back to XXXX from Florida in XX/XX/XXXX. 

Dates Valid XX/XX/XXXX thru XX/XX/XXXX Order Number Order Date XXXX XX/XX/XXXX XXXX Contact Person Guest Contact Details Guest XXXX XXXX Product Guest Name XXXX XXXX Ticket Guest XXXX XXXX XXXX Ticket Guest XXXX XXXX XXXX XXXX Dining Ticket Guest XXXX XXXX XXXX XXXX Dining Ticket Guest 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 monetary relief
Consumer complaint received 2022-03-02
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. (CA)

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2019-02-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NJ)

Complaint:
I had this credit card, and there was unauthorized charges. I contacted XXXX / Synchrony bank to dispute the charges, and I was told I would be credited, and a new credit card would be sent. I never received a replacement card, however I stopped using the account as there was fraudulent activity, and I didn't want to risk someone using my credit card without my authorization again. The balance is now XXXX on my credit report, however its showing on my account as " Charged off as bad debt / Purchased by another lender ''. My account was never charged off, I never was in collections, and my payments were always on time, with my balance being XXXX. I did not owe XXXX or SYNCB any payments.

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 2018-07-13
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: Experian Information Solutions Inc. (IL)

Complaint:
My information was involved in a data breach via XXXX, and XXXX. I filed the proper affidavits, police reports etc., and submitted this information to all three consumer reporting agencies, however they refused to remove the inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
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: EQUIFAX, INC. (OH)

Complaint:
My credit report was accessed by XXXX XXXX which caused my score to drop 28 points with Equifax. XXXX XXXX did an investigation and found that I didn't apply and my social was never used. They have no information to show that I applied. The date of the hard inquiry was XX/XX/21. I informed XXXX XXXX and they sent me and Equifax a letter saying it was an error and asked that all bureaus remove the hard I inquiry. I filed a report with the FTC and with this company previously as well. However, Equifax is now saying that didn't receive any documents from XXXX XXXX asking to remove the inquiry and that XXXX XXXX could have it removed electronically. I have been calling XXXX XXXX and have been put on hold for over an hour to be disconnected over 3 times. I submitted every document required by Equifax and they are still not taking my dispute seriously enough to help and XXXX XXXX is even worse. Please remove this unauthorized hard inquiry from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Complaint:
My Federal Student Loan accounts have been reported by the Federal Student Loan Servicer as Account Status " Payment Deferred '', despite Section 3513 ( d ) of the H.R. 748 CARES Act requiring " During the period in which the Secretary suspends payments on a loan under subsection ( a ), the Secretary shall ensure that, for the purpose of reporting information about the loan to a consumer reporting agency, any payment that has been suspended is treated as if it were a regularly scheduled payment made by a borrower. '' My loans have been in repayment for years. I have never missed a payment and always at least pay the minimum amount due every month. My credit score dropped significantly on XXXX from XXXX due to the remarks added to my Federal Student Loan account ( Account Status change to " Payment Deferred '' ). My Federal Student Loan accounts were reported in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (GA)

Complaint:
To Whom It May Concern : XXXX XXXX Discover Bank Account No : XXXX I have contacted Discover Bank card services several times about the incorrect reporting of the balance they show I owe. 

The outstanding debt has been paid in full, but it is still showing on my credit report with an open balance of {$370.00}. 

I sent a letter to all three credit reporting agencies with proof the debt has been settled through Discover Banks ' third-party collecting agency XXXX XXXX XXXX XXXX but as of my latest credit report, this debt is still listed as owed and does not reflect a XXXX balance. 

I have attached a copy of the communication from XXXX XXXX XXXX showing this debt has been settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
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. (CO)

Complaint:
Hello, this is XXXX XXXX I want to submit this complaint because I have sent three rounds of dispute letters to TransUnion. One for the illegal collection fees on the account. And two asking for the original contracts of the supposed account. Three, asking for method of verification. After all this accounts remain with no method of verification and illegaly reinsertion of collection agency once already removed from credit report.

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 2023-08-11
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. (CA)

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 non-monetary relief
Consumer complaint received 2018-02-20
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. (NM)

Complaint:
Equifax, XXXX and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Collection Systems, Inc. (PA)

Complaint:
My collections agencies refuse to send paperwork nor negotiate anything with me. I started to pay my debt just recently they refuse to make my credit report in good standing. I have n't received any mail about this debt either. The account balance is wrong also.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
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: EQUIFAX, INC. (CA)

Complaint:
My identity was stolen in 2016 resulting in bank closures and credit cards over drafted. I tried to settle the issues with the companies directly and received some levels of success into discharging the debts per the original companies. I then filed a police and an FTC identity theft report and listed those debts on those reports. I was successful into removing inaccuracies from XXXX  and Equifax ( some ) but not XXXX  even though I have tried many many times and had sent into supporting documents as well. They will not open up another dispute for any inaccuracies after a decision is made despite home having other supporting documents. Ive sent in those documents and they update information that are still inaccurate but will not allow us to dispute those accounts again..ever. XXXX is the only credit reporting agency that continues to report inaccurate information about me and refuses to let me dispute those inaccuracies again despite having more information and supporting documents. XXXX  continually allows old disputed information to come back and again be reported on my credit report after it had been resolved and deleted in prior disputes. XXXX XXXX had already been deleted from my XXXX  credit report in the past but I dont know why its reappearing again without giving me the ability to dispute it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

Complaint:
On  XXXX  we tried to get a modification of our mortgage loan but we did not get it ; therefore, we decided to ask for a Short Sale approval. We got the approval from CHASE ( they had purchased the original lender ) on  XXXX   XXXX , and the whole short sale process was finished by  XXXX   XXXX .     Almost 3 months later, on  XXXX   XXXX , we received a letter from  Chase announcing again we did not qualified for modification and asking to take one of the options they explained to avoid foreclosure. Obviously, we did not pay attention since we supposed that eventually someone in CHASE would realize of their mistake.  Unfortunately for us, it seems it was not the case, and a negative entry in our  XXXX  and  XXXX  reports says " Account paid after foreclosure started ''.     I have filed this dispute to  XXXX  three times. The first time on  XXXX   XXXX   XXXX , the only thing we got was a  XXXX  points reduction in my score. Second time, on  XXXX ,   XXXX   did nothing. On  XXXX   XXXX  this year, we filed again a new dispute and sent proofs : Approval from  CHASE (   XXXX   XXXX   ) , HUD Deed  (   XXXX   XXXX  ), Mortgage Release (  XXXX   XXXX   )  and the inconsistent letter announcing a future Foreclosure dated  XXXX   XXXX   XXXX . At the same time I faxed all these documents to CHASE.     Today I got an alert from   XXXX   and the false statement is still there. I called   XXXX    and despite the fact of being their customer for many years, and even being totally aware of this false statement because the letter announcing foreclosure was produced and sent  THREE M ONTHS AFTER we had settled, they said they can do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (TX)

Complaint:
I purchased U.S Banks ' three MasterCard {$50.00} Gift Cards ( with a {$4.00} activation fee each ) on XXXX, XXXX. The front of the packaging states {$50.00} Gift Card and " Valid Thru XX/XX/XXXX '' It also states the Gift Card has " no value until paid for and activated at register ''. 

In XXXX, I did not give the gift cards to the designated individuals, and put the gift cards in a folder, and promptly forgot about the folder. In XXXX, XXXX, I found the folder with the 3 MasterCard {$50.00} Gift Cards ( with packaging still intact ). 

From my perspective, the card was active upon purchase " i.e. activated at register ''. 
Secondly, if inactivity fees were to be applied, then the information should be disclosed on the front of the packaging ( with additional details on back of the packaging. 

I did not check the back of the packaging because the front of the packaging noted the {$50.00} Gift Card was Valid Thru XX/XX/XXXX. 

In summary, the front of the packaging does not disclose the required additional step to register the card at the website to be active nor does it disclose inactivity fees will be assessed ; eliminating the value of the {$50.00} in 3 years. 

On XX/XX/XXXX ; I called U.S. Bank at XXXX to resolve my complaint on how the MasterCard {$50.00} Gift Cards inactivity fees were assessed. The first call was an offer of {$8.00} ( for the {$150.00} value ). I requested escalation, which turned out to be the supervisor. The supervisor informed me they were adhering to the process. I requested address information to register my complaint with the federal agency overseeing U.S. Bank compliance. The supervisor put me on hold and the call was dropped after 15 minutes. I initiate a 2nd call to resolve the issue, and XXXX had me go through all the issues again, and I requested the escalation ( supervisor ). The supervisor offer no relief on the issue, refused to consider additional compensation, and would not provide any additional insight to which federal agency had oversight authority.

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 2023-07-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NC)

Complaint:
On XX/XX/XXXX Wells Fargo froze my account. I called and spoke with someone and on XX/XX/XXXX they sent all my information into XXXX XXXX and without giving me information on what was going on and closed my account and froze my funds. This in turn put me into a very bad financial situation and made it very difficult for me to pay my bills and get things straightened out. They also wouldn't tell me anything and when I went to get another checking account, they informed me they couldn't because of what was sent into XXXX XXXX. I then contacted XXXX XXXX and found that before the investigation was even started that an executive named XXXX had already sent in my information without telling me the reason. They did not offer any other ways to rectify this and did not care that I had minimal ways to pay my bills. As a result of all this I incurred tons of emotional and physical damage and want to warn others that may consider banking here. They froze my account for over a month and made it very very hard for me to do anything. I feel compensation should be in order as it was over a month before I actually found out the reason for it being frozen, which it still shouldn't have been.

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