hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-02-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

Complaint:
I have gotten my credit report an it has many incorrect items on it. I have contacted the credit reporting agency and requested that it validated and they should send me the information on how it was validated. They have constantly ignored my request and have yet to send me any information I asked for.

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 2022-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (NY)

Complaint:
WELLS FARGO HAD AN ACCOUNT STILL OPEN WITH MY INFORMATION, WHEN I WAS TOLD BY THEM THAT THEY HAD CLOSED BY WELLS FARGO CHECKING ACCOUNT IN SPRING OF XXXX. I USE TO GO TO THE BRANCH ON XXXXXXXX XXXX XXXX XXXX XXXX, NEW YORK. THEY TOLD ME MY CHECKING ACCT. WAS CLOSED BY SOMEONE, I DID KNOW. THEN WHEN PRESIDENT JOE BIDEN SENT CHECKS FOR {$1200.00}, XX/XX/XXXX, {$600.00} XX/XX/XXXX, AND XXXX XX/XX/XXXX. 
THE ACCOUNT NUMBER WAS : XXXX, ROUTING NUMBER : XXXX. I CALLED IRS TODAY THEY TOLD ME THIS 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 2019-11-04
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

Complaint:
National Credit Adjusters will not send a financial statement or any verifying documents to support this debt. 
Credit Bureau keeps reporting it is verified but I would like to know how they are verifying this {$840.00} debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Complaint:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
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: Upgrade, Inc. (GA)

Complaint:
Someone opened an account fraudulently in my name. The company is still reporting the fraud on my credit report. I have contacted them and the credit bureau requesting that they block the items within 4 businesses per the FTC law. The company still refuses and is not assisting me with this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Complaint:
I have been trying to pay off this card for over a year I keep making payments of about a XXXX per month and they keep on they keep on adding fees to it Making me start over again where I began at {$4000.00} Debt They are calling my phone every single day And their program says I owe {$800.00} as a minimum payment I can not pay this I want to put money towards the principle Not towards a constant fee I haven't even used the card In over a year. I am fed up and this is ridiculous I should be XXXX down by now On the way out update but yet I'm not This is in just and unfair They are sending a bill to my house every other day Harassing me calling me every day Sending the emails and letters and texts I don't want to call anybody because I will scream at them if I do. Is capital one credit services are a bully They deserve to be shut down by the feds And I don't recommend anybody use their services ever

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
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. (NC)

Complaint:
n accordance with the Fair Credit Reporting act 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 2023-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that Ihave signed any agreement. The items I'm challenging have nothing to do with anytransactions I've done or authorized to gain products, services, or money. Please remove thefollowing items : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Balance : {$4900.00} ; XXXX XXXXXX/XX/XXXX ; XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX Balance : {$4900.00} 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 2019-07-08
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. (GA)

Complaint:
These 2 accounts & 2 inquiries are not mine : XXXX XXXX : {$2100.00} - XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX   XXXX : {$1900.00} - XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/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 2019-06-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TCF NATIONAL BANK (MN)

Complaint:
I had a bank account with TCF Bank, On Wednesday XX/XX/2019 for someone. The check was XXXX dollars, XXXX was confirmed so that got taken out of my account the same day. Prior to that day I was able to use my bank card, once the other XXXX got deposited on my card my account was being shown as negative but I had XXXX on my card before XXXX got deposited. Somehow somebody got into my mobile account and tried to do 2 mobile deposits on my account. Then when I went to the bank to see what was going on they said I had to fill out something for fraud, I never got to fill anything out. The second time I went to the bank the teller told me nothing got requested nor filled out. So she did it for me. Now I can't open a bank account until I get cleared.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
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. (AL)

Complaint:
The account by XXXX XXXX XXXX in the amount of XXXX has been settled and paid in full. The amount of XXXX by XXXX has also been pain in full. I have requested several times for these items to be removed even while under investigation. Both creditors have stated that they have updated the collections on their end

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TN)

Complaint:
Several times I reach out to Equifax to dispute or update information and I get the response you will see below. I have sent in the items plus additional proof they ask for several times but to no avail. Meanwhile Im not able to view or correct any inaccuracies on my file. After yet again trying to make a dispute ( based off what I see from a few credit apps I use ) I get the same response from Equifax. I received the bottom notice after trying for second time to dispute an inquiry from XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

Complaint:
I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a condo, new car and making it impossible to move forward with my life. 

1. XXXX XXXX - balance is showing as {$1400.00}, account partially listed - XXXX, dates not listed, 2. XXXX XXXX - balance is showing as {$1000.00}, account partially listed - XXXX, dates not listed,

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 2018-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

Complaint:
I had a Wells Fargo Secured Credit Card that was secured by funds provided by me. About 5 months ago I started going through a financial hardship and Wells Fargo closed my account, added excessive fees, and now they've sent the account into collections for over {$150.00} -- of which are all fees. This had adversely affected my credit profile and I was never offered the opportunity to make a payment arrangement or restructure that debt.

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 2020-08-20
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. (IL)

Complaint:
Hello, my name is XXXX XXXX and I sent letters to all the credit bureaus over 45 days ago about inaccurate information on my credit report. I haven't received any information or letters from any of the credit bureaus.

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 2023-05-29
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. (FL)

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be deleted from my file right away 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-01
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. (FL)

Complaint:
On XX/XX/2021 My credit report XXXX  and Equifax refused to block 2 accounts in my credit report i don't recognize as mines, XXXX  deleted them but not the other ones I contacted the identity theft website of the FTC i followed all the steps sent letters to the XXXX credit bureau and debt collector ( XXXX XXXX XXXX  ) the amount showed is {$4100.00} and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
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: CREDIT ACCEPTANCE CORPORATION (OH)

Complaint:
Account : -XXXX  # XXXX, -CREDIT ACCEPTANCE CORPORATION # XXXX was REMOVED from my credit report and has been illegally reinserted back onto my credit report and this is a violation. I have a legal right to dispute the following account on my credit report : -XXXX  # XXXX -CREDIT ACCEPTANCE CORPORATION # 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 2023-02-01
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. (MD)

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$9700.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2022-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Complaint:
Unauthorized transaction of XXXX $ USD tried to get it canceled they told me to wait until its posted. It posted on my account and i filed a claim and it was denied tried multiple times to have this appealed nothing but a run around regarding my money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
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. (CA)

Complaint:
XXXX XXXX XXXX XXXX XX/XX/2019 30 DAY LATE, I ASKED THEM TO VALIDATE THE 30 DAY LATE, THEY FAILED TO SHOW PROFF, THERE IN CLEAR VIOLATION OF 609

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 2015-03-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (LA)

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
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. (NC)

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
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. (FL)

Complaint:
I sent a dispute to Experian, advising them of several credit inquires that are listed on my credit report, of which I do not recall giving them permission to check my credit. I have taken time to contact these companies and none of them have been able to prove that I applied for credit with their company and gave permission. Per Section 604 of the Fair Credit Reporting Act, credit bureaus must have permissible purpose from the creditor, written authorization, and proof that I initiated the hard inquiry. This law must be followed, otherwise anyone could check peoples credit anytime they wanted. I am trying to achieve several financial goals in the immediate future, so it is imperative that Im able to get this resolved. 

Under the provisions of FCRA 611 ( a ) ( 1 ), the bureaus are required to have conducted a reinvestigation of my dispute filed XX/XX/2020, and to have concluded that reinvestigation within 30 days of the date of receipt of my dispute, which was XX/XX/2020. I sent this letter by certified / return receipt, so I know when they received it. I received no response from this bureau on this request.

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 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account # 's XXXX XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX  Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX  XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX XXXX  Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX  Account number : XXXX, has violated my rights. Pub. L. 90-321 [ 5 USC 1681A SUBSECTION 4 ( Consumer Privacy Act ) ] Pub. L. 90-321 [ 15 USC 1681B subsection 2 ( No written consent ) ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Complaint:
My bank account had over {$1500.00} of unauthorized transactions placed on it..I had no clue what they were. I opened a claim stating fraudulent charges were made. After the investigation I was told my claim was denied! I was told the reason for denial was '' it appeared to the bank that I myself had placed the charges '' ... In the initial claim I had explained to the bank that my phone with all my information stored on it ..was stolen prior to the charges..that means all my accounts passwords etc were accessible! They didn't give me the opportunity to appeal their decision!! Nobody would listen! They were rude and ugly about it also! The people that can do these fraudulent activities..have the ability to make the charges appear to be YOU!! Isn't that what fraudulent means! so deny my claims of fraudulent transactions due to it appearing to be myself that had made them doesn't seem correct! I feel I wasn't being heard and the treatment that followed the claim was unjustified and uncalled for! I had been customer with Capital One for some time when this occurred. With no prior mishaps or claims! The first one I get and this is the treatment I was handed!

Company response to consumer: Closed with explanation