hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-03-18
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. (UT)

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. 

Account : # XXXX XXXX XXXX In the amount of {$550.00} Account # XXXX XXXX XXXX XXXX  In the amount of {$2000.00} 15 U.S.C 2681 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 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
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. (GA)

Complaint:
XX/XX/2023 a dispute was sent to Trans union in relating to accounts that were on my credit report that did not belong long to me. These accounts were fraudulent. I submitted a FTC fraud report, police report, attached to a letter to TransUnion, as well as XXXX, and XXXX. XXXX and XXXX removed the fruadulent accounts but not TransUnion. On XX/XX/XXXX, I sent a 2nd letter to TransUnion stating that XXXX & XXXX removed the information. How is TransUnion verifying this information if all 3 bureaus get the information from the same source? I reattached the police report and FTC fraud report. On XXXX, XXXX XXXX  I received a letter from TransUnion stating they will reinvestigate. As of XX/XX/XXXX the information disputed has not been properly verified by TransUnion.

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 2020-11-18
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: EQUIFAX, INC. (GA)

Complaint:
The vendor XXXX XXXX XXXX is involved in litigation and the item being reported falls under litigation items with the company. I am requesting all reporting to stop and previously reported information to be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
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. (MO)

Complaint:
Equifax showed a hard inquiry from XXXX. That I didn't recognize or authorize, I filed a dispute and Equifax ruled that it was legit and it would stay on my credit report ( the other credit reporting agencies never showed such an inquiry ) when I called the number given on the dispute response, I was informed I didn't have to give anyone permission to make a hard inquiry, and all someone needed was to have my soc sec #, BUT .... it could be more favorable if I were to purchase an upgrade to my equifax for like {$20.00} ( I can't remember the exact amount ) I was extremely upset to realize that you could BUY better credit reports, the lady recognized my being upset and suggested I put a freeze on my account, then I wouldn't have to worry about it if I didn't want to upgrade, so I did. Just yesterday in order to apply for a local credit I had to lift the freeze only to find that they have a {$28000.00} account that has been paid off for 3 months still in active status causing an adverse decision for credit when XXXX have shown me for excellent credit.. when I went to dispute it equifax said dispute site is down, REALLY? It's not the adverse decision that has ne worried, its the power equifax has over my credit and insists that I pay for upgrade to get normal treatment, how is it that this is allowed? Another part of our constitution XXXX XXXX  XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
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. (GA)

Complaint:
I REQUESTED YOU PROVIDE ME WITH A PROOF OF THIS ALLEGED PAYMENT BEING LATE .IF UNABLE TO PROVIDE OR LACKING PROOF OF THIS PAYMENT BEING LATE .UPDATE PAYMENT HISTORY TO PAID AS AGREED NEVER LATE ( PAANL ) PLEASE PROVIDE DETAILED DESCRIPTION OF ALL PROCEDURE USED IN PROCESS TO DETERMINE ACCURACY OF INFORMATION REPORTED I HAVE REQUESTED TO ALL THE CREDIT BUREAU ABOUT THE LATE PAYMENT ON MY CREDIT HISTORY TO PROVE. I HAVE NOT GET ANY REPLIED. SO I REQUEST ON MY CREDIT TO BE REMOVED ALL LATE 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 2021-12-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (MO)

Complaint:
Wells Fargo opened a fraudulent checking account in my name. Wells Fargo has confirmed this was opened, but will not confirm if the account has been closed. I have provided them emails showing where the account was opened online at XXXX am and how the person then tried to change the email on the account to a different email address. I just want them to close the account and not waste anymore of my time with fraud occurring in my name.

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 2018-06-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Complaint:
My husband and I received a postcard invitation from Citizens Bank offering a special rate of 2.50 % on a 15 month cd with a minimum deposit of {$1000.00}. We could not be current Citizens ' customers, and we would have to open a checking account there too. On XX/XX/XXXX we went to XXXX XXXX XXXX and withdrew {$5000.00} from two Cds there for a total of {$10000.00} and a total penalty of {$340.00}. We took the {$10000.00} to Citizens to open an account there. We were told by the teller that we would have to match our {$10000.00} cd amount to a checking account or another {$10000.00}. We protested and asked to talk to the manager, which we did. Both the teller and the manager apologized for the lack of information on the card to clarify the matching feature. Obviously {$10000.00} in a no interest checking account would be XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TN)

Complaint:
This company continues to contact me for a debt that i do not owe. I have physical proof that i did not live at the address they are trying to associate with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
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. (GA)

Complaint:
There's an address that's on my credit report I never resided at nor received any mail. The address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I'm requesting to have this address removed being that I've never been associated with. The information is inaccurate and need to be removed from my files immediately.

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 2020-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Complaint:
Someone Used My Personal Information to Open a Credit Card Account with Capital One I Was a Victim of Identy Theft Someone Used My Social Security Number to Open a Credit Card Account With Capital one and this account was never open by me someone stole my identity and Open this account on on XX/XX/2019 and is showing and i notice this happen because i see this account showing on my credit report and i dont recorgnice this account and i never OPEN Any Credit Card account with Capital one and this is not the first time this happen in the pass there was other accounts open with capital one bank and this all those accounts that where open in the pass i did not open it please help me with this problem i never apply for this credit card acccount

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

Complaint:
My student loan is currently with Navient and I have field 2 previous complaints for past dues fees when I was making my payments on time. This month I finally get a statement with no past due charges but my monthly payment when my {$390.00} to {$410.00} with no explanation as to why. This company is dishonest but I also believe these complaints will resolve nothing since you close them out based on the answer you get from Navient. This company has multiple lawsuits filed against but they are allowed to manages student loans and O would like an answer from you as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (NC)

Complaint:
I received an invoice from XXXX at XXXX XXXX XX/XX/2021 regarding an apartment I rented at XXXX at XXXX XXXX from XXXX. In that invoice it stated, the apartment was not clean, repainted and carpet had to be cleaned. I submitted pictures to the apartment complex to support that the apartment was clean along with the carpet being clean. The office personnel reached out to the billing office and still started the apartment was not cleaned when I moved out. Several pictures were submitted to have the charges reversed. 

The account was turned over to IQ Data International, When I spoke to the representative at IQ Data International regarding submitting my pictures and to dispute the charges, I was informed I had to pay the amount due first and then the dispute progress would begin. I refused because I knew it was a waste of time and a tactic. I didn't believe in the system to follow through. Daily interest is added to the balance which increases the monthly balance. Current balance is {$520.00}. 

I want this rectify with the charges being dismissed and stop incurring daily/monthly interest fees.

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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Complaint:
I have submitted disputes to you, and you took more than the 30 days the law allows. You are now breaking the law. Please investigate my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
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. 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, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
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. (IN)

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 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 2020-08-08
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 (PA)

Complaint:
I have a loan with WELLS FARGO BANK CAR. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX  and WELLS FARGO BANK CAR with no successful resolution. There was definitely an error on their part.

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 2022-08-22
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. (GA)

Complaint:
I have noticed many incorrect and unauthorized items appeared in 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 non-monetary relief
Consumer complaint received 2023-04-11
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY (PR)

Complaint:
My old Nordstrom Store Card still apoears on my credot report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
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. (FL)

Complaint:
Transunion has not responded to any of my disputes Letters sent XX/XX/XXXX Certified Received XXXX XX/XX/XXXX Certified Received XX/XX/XXXX XX/XX/XXXX Sent regular Mail XX/XX/XXXX Certified Received XX/XX/XXXX XX/XX/XXXX Certified Received XX/XX/XXXX XX/XX/XXXX Certified Received XX/XX/XXXX Inaccurate Accounts listed are XXXX  -inaccurate and unverified XXXX-inaccurate and unverified XXXX XXXX-inaccurate and unverified Letters sent XX/XX/XXXX Certified Received XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Certified Received XX/XX/XXXX, XX/XX/XXXX Certified Received XX/XX/XXXX Inaccurate Accounts listed are Chapter XXXX Bankruptcy -inaccurate and unverified XXXX XXXX -inaccurate and unverified Response from TransUnion is just a single page saying the are investigating On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and a form that I have filled out and returned on many different occasion with current driver 's license, copy of social security card and a bank statement. 

I have already filed 2 CFPB complaints as well XX/XX/XXXX # XXXX and XX/XX/XXXX # XXXX I have also contact the state attorney general office of Florida. This is completely unacceptable in completely ignoring my disputes they do not even have the right address on file

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 2018-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Complaint:
Incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA (CT)

Complaint:
It is my understanding that under the limited PSLF waiver, *any* prior payment made on student will count as a qualifying payment, regardless of loan type, repayment plan, or whether or not the payment was made in full or on time. However the the servicer has disqualified MANY of my previous payments because they were apparently more than 14 days late. Do ALL prior payments count or not? 

I would like all of my eligible prior payments to count towards my XXXX payments that will allow me to use the PSLF program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Complaint:
notes from XX/XX/19 bank of america meeting. 


Went into bank to check on a rate for money market. 
Sales clerk at desk and asked about rates. She took my debit card and then went to speak to a man behind the glass partition. After a few minutes I was invited back to meet XXXX XXXX, Small Business Banker. 
He already had my accounts pulled up. I explained that I wanted to get the rate on the moneymarket account I had because another bank had just moved me into a higher rate. Mr. XXXX pulled up a pamphlet which had nothing to do with rates and was a " Business advantage Relationship Rewards '' program. He began by selling me a credit card and then moved onto to payroll. 

During this discussion he pointed to the next to last sales bullet payroll services and ( no vendor listed ), " I see you pay {$57.00} for XXXX ''. I didnt get it then but later I recalled him pointing to his monitor. He was accessing my account! Mr. XXXX continued to say that he could get that fee down and called whom he said was his " associate ". 
At first the call was private, but then when it came to explaining the savings he put the call on Speaker phone and an the asscociate said " that is because XXXX offers kick backs to accountants. '' I was then given a business card for XXXX XXXX of XX/XX/XXXX. 
This set off alarms!!!!. I never gave, nor was I asked, for permission to look into my business dealings. To have Bank of America reviewing my CHECK details and then discussing it with an outside vendor is, in my view, wrong. It was so alarming that I made notes which I have transcribed here.

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 2022-01-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Advantage LNS Inc. (TX)

Complaint:
On XX/XX/2022 I sent a request for the debt validation for this company National Credit Audit in regards to the alleged debt, on XX/XX/2022 National Credit Audit sent back the debt validation by CFPB for someone with a name slightly similar to mine but not mine. Please review the attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, 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 response to consumer: Closed with non-monetary relief