hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: COMMUNITY CHOICE FINANCIAL, INC. (TX)

Complaint:
Last year I called the debt collector and we settled on {$150.00}, which all payments was made. I look into my report and noticed they reopened it again for {$500.00}. This is an act of fraud, they determine to destroy my credit even when payments was made, I will be attaching a screenshot report I had 2020 show the amount of {$150.00}, also will be showing another screenshot of {$500.00} showing opened. 
Don't understand how we can reach a settlement and months after another money is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
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: WELLS FARGO & COMPANY (CA)

Complaint:
I believe there could be some unintentional misunderstanding here. This account was already PAID and should not have any late payment recorded as I pay this on time. You failed to provide accurate and correct information. Various dates listed under the date of the last activity, last payment, last report, and date opened.

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 2021-11-11
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. (CA)

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is reporting on my Credit Report : XXXX XXXX XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Herbert P. Sears Co., Inc. (NY)

Complaint:
i communicate several times with XXXX  XXXX  To Remove THAT errors FROM MY CREDIT REPORT, THEY DID NOT. I WAS NEVER LATE PAID ON TIME AS AGREED. THEY TOOK my car and didn't NOT Want TO do BUSINESS WITH ME.THEY CHANGE ACCOUNT STATUS from late AFTER 3 YEARS and it IS reporting as a REPOSSESSION. Now They Sell it TO COLLECTIONS Company HP SEARS, ALLEGED account # : HP SEARS ( ORIGINAL CREDITOR IS XXXX XXXX XXXX XXXX # : XXXX .Address is XXXX XXXX  XXXX, XXXX , CA XXXX, THEY REPORTED TO CREDIT BUREAUS AGAIN and RUIN MY life and CREDIT.. 


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 explanation
Consumer complaint received 2023-08-08
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: EQUIFAX, INC. (FL)

Complaint:
I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Complaint:
A review of my credit Equifax rating score was listed as XXXX on ( XX/XX/19 ) .And then upon another review made on ( XX/XX/19 ) found my then current score to be XXXX. Further invest of my credit report indicated that only two open accounts between the dates of XX/XX/19 & XX/XX/19 were updated by the lenders. 
1. XXXX reported a decrease of XXXX 2. XXXX Loans reported a decrease of XXXX. 

I then initiated a dispute with Equifax ( EQ ) on XX/XX/19 and a subsequent follow up was received ( XX/XX/19 ) from EQ without a credit correction score posting. Upon telephone ( call XXXX XXXX XXXX ) was advised that EQ could not explain the reason for posting the XXXX point decrease and/or that there was nothing that they could do to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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. Office of attorney general 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 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 2022-06-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (NY)

Complaint:
On XX/XX/2022 I opened a new " TD Beyond Checking " account with TD Bank. As per " Important Disclosures '' in the attached screenshot of the promotion, I've fulfilled all the terms - " 1Offer is available to new personal checking Customers who received a promotional mailing and who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months and complete the required qualifying criteria. {$300.00} bonus offer available to eligible new personal checking Customers when opening a TD Beyond Checking account with cumulative direct deposit funds of {$2500.00} or more into the new checking account within 60 days of account opening. {$150.00} bonus available to eligible new personal checking Customers when opening a TD Convenience CheckingSM account with cumulative direct deposit funds of {$500.00} or more into the new checking account within 60 days of account opening. Qualifying direct deposits include your paycheck, pension, government benefits ( such as Social Security ), or other eligible regular monthly income from your employer or the government electronically deposited into your checking account. Person-to-person and bank transfers between your TD Bank accounts or accounts you have at other financial institutions or brokerages do not qualify. Once the offer criterion is met, the bonus will be credited to the new personal checking account no later than 140 days from account opening. Account must remain open, active, in good standing and in the same product type through the qualifying period to receive the bonus. If the checking account is closed by the Customer or TD Bank within 6 months after account opening, TD Bank does reserve the right to deduct the bonus amount from that account at closing. TD Bank may issue you an IRS Form 1099_MISC, or other appropriate forms reporting the value of the bonus. Offer may be withdrawn at any time and is subject to change. One bonus per account per Customer and can not be combined with any other offer. TD Bank employees and XXXX cross-border banking Customers are not eligible. '' With the 140 day deadline passing and TD Bank has not credited {$300.00} to my checking account, I've reached out to the bank. Bank has refused to credit my account, using post-fact justifications that are not present in the " Important disclosures ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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. (MA)

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

Company 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 2021-11-02
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: Experian Information Solutions Inc. (CA)

Complaint:
There is fraudulent activity Someone got ahold of my SSN and tried to get credit at several companies - XXXX, XXXX, XXXX, XXXX, and probably more Ive reported to all XXXX credit agencies and put fraud alerts on all. 

Please ensure no accounts are opened fraudulently.

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 2018-05-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NATIONSTAR MORTGAGE LLC (NC)

Complaint:
1. XXXX is attempting to enforce a lien on a debt that they accelerated and cancelled. They are actively foreclosing on my home on the cancelled debt. I submitted a complaint to the CFPB, and they asked for 60 days to investigate. My home would be foreclosed by the end of that 60 days, so they are dual tracking which is not in compliance with the DOJ. 

2. They transferred the servicing of this loan to Nationstar, giving the impression that they are the primary lien holder and giving the impression that the debt is valid. I submitted another complaint on both Nationstar and XXXX for this action for trying to collect a cancelled debt. My court date for the foreclosure is still set for XX/XX/XXXX, while both servicers still contend to the CFPB that they need time to investigate my complaints. Once again, I am in jeopardy of losing my home before that time expires. 

3. Nationstar has just attempted a practice that you just recently imposed a $ XXXX for. They have threatened to impose forced place insurance on my home, add that expense to the canceled debt which is not valid, and I have an active and current policy. 

I have uploaded Nationstars letter, a copy of my policy, and a statement showing that my policy is current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
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. (MI)

Complaint:
I have several inaccuracies on my transunion credit report and I have disputed them all dating back to XX/XX/XXXX and I have not heard back from the bureau with any information in regards to my disputes and its now XX/XX/XXXX. I have wrote many letters with no response. I have not seen or been made aware of any changes to my 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 2021-02-09
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (OH)

Complaint:
XXXX keeps cashing checks within the grace period for our mortgage payments but they are listing this as past due every month and chraging me late fees. I've made all my payments on time and have the record of when XXXX cashed the checks but they are listing my account as past due. We have spoken with them on the phone and they said that it was fixed for one month but that they couldn't do anything for the next month. On my XXXX report this is showing up as being several months behind and is destroying my credit. Right now my XXXX report shows the last payment being made in XXXX but I have records that show they received on-time payments in XXXX, XXXX, and XXXX. XXXX told my wife that this was never reported as delinquent and yet it shows up in my credit report from XXXX  and 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 2023-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (OH)

Complaint:
I was looking into starting a transport business and leasing on to someones authority and ran across a guy who said he could help me out. Called the fmsca to get details and help to point me into the right direction on how to do things the right way. I was told that it was between me and the business to make a agreement on how to lease on. The guy ( XXXX XXXX ) as known on XXXX said to send him a payment of XXXX for a deposit for insurance witch was made on XX/XX/XXXX and another XXXX on XX/XX/XXXX to get the XXXX relay permits for hauling for them. He said that XXXX XXXX would do fine with sending the payment. Turns out after I sent the second payment I happen to do a quick XXXX search of his name and all kinds of bad news pops up with him scamming everyone the same way. I quickly call chase and let them know what happened exactly how Im explaining it now and said I have all documentation to support this incident on XX/XX/XXXX. I was told my account would be credited in 12 hours. Yesterday XX/XX/XXXX I received an email saying they denied the dispute. I called chase today XX/XX/XXXX and was told their is nothing that can be done because peer to peer payments isnt covered by regulation E and it was law not just chase. When other people recently who got scammed by the same guy under posts said they got they money back via their bank. I never disputed anything and now that the one time I get scammed they tell me there is nothing they can do it about it. Ive banked with them for years. Im very upset. I also reached out to XXXX XXXX  because thats what chase told me to do and they arent giving any money back either and I do not expect because that money came directly from my account. Even spoke with a supervisor, same answer. This is why people dont trust banks. And to top that they didnt even dispute both payments only one for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MN)

Complaint:
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : Account Number : XXXX 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XXXX XXXX Account Number : XXXX 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XXXX XXXX 90 days past due as of XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2018-01-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TN)

Complaint:
I have asked these collections agencies on several occasions to provide me with proof that the debts belong to me. I have also asked for XXXX XXXX XXXX and NATIONAL CREDIT SYSTEMS INC to proved me information such as : I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. 

Under the FCRA, unverified, invalid accounts must be removed. 
If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from my credit reports. I demand the account be verified or removed immediately! 

I have also asked these collections agencies : CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

Please provide the name and address of the bonding agent for XXXX XXXX XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. 
and all I 've received was their letter stating that I owe these debts and some copy of an application and a lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Complaint:
I am writing to delete incorrect inquiries from my credit report. I did not apply for the credit cards listed and need them removed as soon as possible. I am a victim of identity theft and did not make the change.

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 2022-05-12
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:
I am a victim of identity theft and I have fraud phone numbers on my personal file ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TCF NATIONAL BANK (IL)

Complaint:
My bank account had fraudulent charges made on XX/XX/XXXX they were pending when my bank contacted me via email. I told my bank while they were still pending to stop the charges my bank didn't they just started an investigation on these 12 charges to some XXXX XXXX. I filed a police report. I told my bank I file a police report. I took all my other money out of the account. I have a paper stating my bank gave me temporary credit while investigating but after I used some of it to pay my XXXX XXXX credit card tcf took the payment back and then charged me fees 2 times. They also want to leave the investigation open until XX/XX/XXXX. This is unacceptable my bank is tcf. They did not protect my money.

Company response to consumer: Closed with explanation