hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Complaint:
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. 

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 XXXXXXXX has violated my rights. Or list of inquiries 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 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 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

Complaint:
on XX/XX/2020 I sent letters to Equifax and XXXX stating the information that they are reporting is inaccurate and it needs to be removed according to the FRCA section 611 ( a ) ( 1 ) ( A ) and they have yet to remove the public information. on XX/XX/2020, I contacted the United States Bankruptcy and they have informed me that they did not violate the FEDERAL PRIVACY ACT of 1974-5 U.S. CODE section 552a. they did not disclose my information to an credit agencies. Also these bureaus are in violation of FRCA section 609 by not providing me with verifiable proof of any original signed contracts bearing my signature as required by federal law. which was sent to them. they have also exceeded the time allotted by law to remove these items off my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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: Nelnet, Inc. (CA)

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Complaint:
On XX/XX/18, I logged into my USAA mobile app and noticed several unauthorized transactions that were made in different cities in the state of Texas. I currently reside in XXXX, TX. 

On XX/XX/18, my card was used at a XXXX in XXXX, TX, in the amount of {$1.00}. It was used again, on XX/XX/18, at XXXX XXXX XXXX in XXXX XXXX, TX for {$15.00}, and again at XXXX XXXX XXXX XXXX XXXX in TX for {$16.00} On XX/XX/2018 two purchases were made. 1 ) XXXX XXXX XXXX for {$580.00} 2 ) XXXX  XXXX for {$1000.00}. 

After a " full review '' from USAA, it was determined that the charges are valid. I might add that this process was concluded in one business day. That hardly seems sufficient. 

Furthermore, USAA states the transaction were made close to my home. After personally reviewing, I determined that to be false. The aforementioned transactions occurred well over 200 miles from my home. USAA also cites my USAA mobile app was used while the fraud was in progress. To date, they have been unable to provide me proof. 

Nevertheless, I cooperated fully with USAA and filed a police report. To date, my case with USAA remains closed, and I have been unable to reach anyone. I have left two voicemails at the extension provided, but have heard nary a word. As a consumer, I am not being afforded Zero Liability Fraud Protection. 

Coincidentally, my credit card at another financial instutation was used in XXXX XXXX, OK for {$180.00} on the same date ( s ) as the transaction ( s ) that occurred on my USAA account. I have submitted documentation to the email address USAA provided - XXXX - that went without a response. 

As a result, I am left without a significant sum of money and no clear answer from my bank - so much for protecting the cooperative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
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: Experian Information Solutions Inc. (PA)

Complaint:
I recently found that there are several inaccurate items on my credit report that do not belong to me. I do not have a record doing business with these companies. If these items are not deleted off my credit report immediately, I will be forced to contact a consumer rights XXXX XXXX  and XXXX  on the basis of defamation of character and denial of credit. I have documented all correspondences with The Credit Reporting Agencies XXXX XXXX, Experian, XXXX ). Please remove these inaccurate accounts, as you know they are in violation of the Fair Credit Reporting ACT Section 609 ( B ), FDCPA Section 807 Violation of False and misleading representation. Thank You.

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 2022-06-26
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. (MO)

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX ( {$3100.00} collection ) and XXXX XXXX XXXX account # XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC (GA)

Complaint:
Mountain run Solution is reporting on my credit report an account that is not mine, saying that this account was being paid from XXXX to XXXX, I contacted them and asked them more than once for an account verification, as well as proof that those payments were made by me, they have never provided me with account verification and they refuse to speak just saying that the account is mine and that I must pay it, I have been disputing this account for over a year, and XXXX only says that the mountain run solution says the account is correct, without asking or verifying if the account is correct, mountain run solution must provide correct account verification to XXXX and the other credit bureaus, and only report false information and the XXXX only accepts what they say, unverified, I have had an excellent payment history in the last 6 years, and Mountain Run 's solution is damaging my credit with false information, XXXX is part of the game of Mountain Run solution, they just believe what collection agency says, XXXX asked me verified the account like not mine, but there is no way i can proof sometime is not mine

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 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Complaint:
This credit was paid off.

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: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

Complaint:
I called the XXXX XXXX section of XXXX to book a room regarding my free anniversary night ( see below ). 
They said they will not honor it now -would only do up to a category 4 hotel ( which does not cover the hotel I chose ) as the program changed. Discussed it with the representative and the supervisor. Says it can't be honored or changed. I earned this free stay, I received the certificate and they should honor it. They said that numerous emails went out the last few months regarding a merger with another hotel chain, but did not specify that our earned certificates would no longer be honored. I believe that if they change the program, then have the certs that were issued after the date ( apparently XX/XX/XXXX ) have the new requirements on it. 



Happy anniversary! One special benefit of your XXXX XXXX XXXX Credit Card is that you are entitled to a free night at a category 1-5 hotel anywhere in the world for your account anniversary. We thank you for your loyalty. Sign in to your Reward account today to see your free-night certificate XXXX XXXX XXXX. Sincerely, Rewards Credit Card Team Reward Details -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Description : PREMIER VISA XXXX CAT 1-5 HOTELS  Reward certificate number : XXXX Reward code : XXXX Valid at hotel categories : Categories 1-5 Valid for stays through : Thursday, XX/XX/XXXX Certificate deposit date : Tuesday, XX/XX/XXXX Reward Terms & Conditions Anniversary Free Night Stay E-Certificate is valid for hotels in categories 1-5. For participating category 1-5 locations, log on to XXXX or call XXXX. The E-Certificate must be redeemed within 6 months from date of issue. E-Certificates may not be transferred, extended beyond the expiration date, or re-credited for points. To qualify for the Anniversary Free Night Stay E-Certificate, your account must be open and not in default on your account anniversary date. XXXX is not responsible for offer fulfillment. 


Rewards Account Information -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (MN)

Complaint:
In XX/XX/XXXX I entered into a contract with XXXX for two years with 12 months of promotional price and 3 months of free prime channels. It was also explained to me that If I would move and not be able to receive their services I could terminate with no fee. This was important information to me due to the fact I was a renter. I also was told at 12 months I could enter into a new promotion. I was also suppose to receive some football package which I never did get. I moved in XX/XX/XXXX and kept the services at the home I was in prior until mid XX/XX/XXXX I believe. At that time I contacted XXXX and explained that I moved to a new place where I was not able to have XXXX. I was told that I could enter into a " hibernate '' which I would pay {$15.00} I believe to keep my account active and they pulled this out of my account without my knowledge using my card that was on file. They stopped pulling it out of my account and that " hibranate '' period ended. I told them again that it was told to me multiple times that I would be able to cancel my service with no fee due to not being able to have their services. It went to collections a year later and I contacted them again and called their corporate office in California. I talked to numerous people non of which I remember names. I thought it was resolved until recently it was at a new collection agency and no on my credit report. I also found that the federal trade commision charged XXXX in XX/XX/XXXX for deceptive advertisement. This situation is very similar to mine. I do n't honestly remember all the specifics because I really thought this was resolved. I can not have XXXX where I live and I was told by XXXX before signing up that If this situation were to happened I would no longer be bound to the contract terms and would be able to cancel with no fees. I expect that they would stand by thier word or I would not have entered into this agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2023-05-03
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. (CA)

Complaint:
I submitted a credit repair request to Experian and XXXX, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

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 2019-03-15
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: BMW Financial Services NA, LLC (TX)

Complaint:
I am trying to close on a home and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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: EQUIFAX, INC. (TX)

Complaint:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Complaint:
in the month of XX/XX/2018 submitted documentation as proof i do not owe collection in the amount of $ XXXXIt has been nearly 3 months since the company agreed to remove collection and negative charge off continues to show as of today. I wish for this to be removed as promised

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

Complaint:
I XXXX XXXX was entered into credit transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by some real bad internet hackers on the dark web. This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. As a consumer these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX, and federal trade commission. 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint. 15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ; I demand that the following account be verified or removed immediately : 15 U.S. Code 1692g - Validation of debts XXXX Account # : Closing Date : XX/XX/2018 This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Complaint:
I'm a victim of identity theft and someone actually opened up a credit card account in my name and I had no acknowledgement of it so I would like to get deleted off my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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. (PA)

Complaint:
I got a XXXX XXXX XXXX XX/XX/XXXX I signed up for automatic payments weekly. I never missed a payment and they started reporting the payment late and their excuse was it's late from when it actually goes to them not when it's debited out of my account. Also their interest is ridiculous which is not in my contract they have daily interest chargers and it can be whatever they want it be what I was told by one of the customer service. I the lease was for {$17000.00} I paid over {$12000.00} in two years they said I still owe {$14000.00} my insurance company paid {$10000.00} when the vehicle was totaled out in XX/XX/XXXX they have been reporting every month on my credit report missed monthly payments. I don't owe them paid more than enough they are rude when I call told me good luck on getting it deleted from my credit report. Now they are saying I still owe them {$4000.00} or settle for {$600.00} and the person who is responsible for reporting credit can't be contacted by phone only by email that they can't provide me. The company is XXXX XXXX I joined a class action lawsuit against them for doing the same to others yet they are still posting inaccurate information 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 explanation
Consumer complaint received 2022-04-19
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: Exeter Finance Corp. (NC)

Complaint:
I have filed a dispute in regards to the inquiries on my credit report that i do not recognize nor did i authorized. It has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

Complaint:
Twice I have had my money stolen via XXXX by sending money to the wrong user the first time it was {$300.00} sent to someone with my old number, and recently I was scammed into sending {$970.00} by someone offering services, sending a fake address number and name and then when I showed up to the location the business did not exist and there was no one to make contact with. In both situations I asked my bank and XXXX to refund the transactions and they refused because the money was already transferred to the recipients bank. Only stating that I would have to take it up with the recipient. And I am unable to contact the recipient because they number they gave me they no longer respond to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC. (FL)

Complaint:
I am writing to request the immediate removal and deletion of the following accounts and associated information from my consumer report. It has come to my attention that these accounts and information should not be reported on my consumer report, which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I urge you to take immediate action to remove and delete these accounts and information as they are in direct violation of several laws. I expect these accounts and information to be removed without delay.

Company response to consumer: Closed with non-monetary relief