hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Complaint:
I opened the business account with the company name and Bank Of America Withdrew XXXX dollars without my knowledge, I came to know 3 months later about this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-24
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: Experian Information Solutions Inc. (MI)

Complaint:
I have over XXXX credit being reported on my personal credit reports. I have tried numerous times to get them removed. I've even hired credit repair agencies, still those XXXX unauthorized credit inquiries remain on my report. I pray the XXXX can assist in clearing these fraudulent inquiries off of 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 2018-02-10
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Complaint:
I have recently obtained a copy of my XXXX  credit report. it showed a credit inquiry by your company that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
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: Experian Information Solutions Inc. (NC)

Complaint:
I did not authorize the following companies to do inquiries : 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 XXXX I have no knowledge of these inquiries. These inquiries were done without my knowledge. This if 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 2022-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-05-03
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 RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE IS AN ACCOUNT THAT SHOWS LATE PAYMENT HISTORY WHICH IS IN ERROR. 
I HAVE SENT DISPUTE LETTERS ON XXXX20, XXXX20, XXXX20, AND XXXX20, BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY.  YOUR FIRM COMMITTED FOUR 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE IS AN ACCOUNT REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE.

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 2022-09-07
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. (AL)

Complaint:
My Profile needs to be updated. I have sent letters several times stating that I only want my current address, correct name, correct DOB, correct SSN, all to be reported on my account. This is not the case and has not happened for me.

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 2022-04-30
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. (FL)

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX, XXXX XXXX ( XXXX ) XXXX collection/charge-off in the amount of {$710.00} date opened XXXX XXXX last activity XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 Section 604 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 explanation
Consumer complaint received 2018-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

Complaint:
Several times I have tried both online and via phone call to get my FREE credit report from Equifax. Today, XX/XX/2018, I tried again with no success. 

When I called Equifax 's number, XXXX, I was told I needed to get my report through XXXX XXXX ( NOT Equifax ). I was unsuccessful setting up a XXXX XXXX online account due to problems with their website, so no report was sent. 

When I tried to get an online copy from Equifax, www.equifax.com/fcra, I was denied ( no reason given ) and was given instruction to contact Equifax. Contacting Equifax just puts me back to creating a XXXX XXXX account. It 's a loop to no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
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: Experian Information Solutions Inc. (AZ)

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
10. Identity Theft XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted 11. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted 12. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXXXXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX, AZ 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 2018-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
The Bankruptcy on my credit is old and should have been removed by the credit bureaus according to the FCRA. I have contacted them to remove it and they have refused

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 2018-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Williams & Fudge, Inc (VA)

Complaint:
All student loan payments were completed early XXXX. I moved to a new address mid XXXX. However, I am still receiving communication from debt collection agencies requesting that I send them more money. All credit card and student loan debt reported on my credit score should have been offset by my XXXX federal tax refund. But they were not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: FTA Financial LLC (NJ)

Complaint:
In XXXX of XXXX I consigned on a bail with XXXX for a family member which was paid in full. In XXXX XXXX I was sued by a collection agency FTA Financial who said they represent the bail company who was now out of business. The man would call me from the collection agency and tell me I was a " stupid XXXX '' and laughed himself to sleep at night thinking how stupid I am. When I responded to the court notice the collection agency asked that there be no court date and due to lack of evidence the court find in their favor without going to court but the court denied that request and set a court date in XXXX XXXX. I sat in court for hours and the collection agency never showed so the judge said the case was dismissed. I started receiving collection letters again and left many messages asking them to stop sending them but when I called today I finally got someone on the phone who said the court case was reopened this month XXXX XXXX because they never received notice of the court date in XXXX which is hard to believe and when I left court that day I called them and told them it was over and to stop harassing me. It is not fair because the evidence I had the day in court an old cell phone with messages from the bail bonds proving it was paid I no longer have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
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. (VA)

Complaint:
My name is 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
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. (MD)

Complaint:
went to a car dealership shopping for a car on XXXX. The car salesman did not have permission to run my credit report with 10 + different companies. I requested for these inquiries to be removed, I have also filed a complaint with identitytheft.gov.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (MD)

Complaint:
This company is taking debts and making people pay them when they don't have their account. I contacted them after receiving a letter and they had an account under my previous married name for XXXX XXXX. After investigating with XXXX XXXX this was false information the account was actually in my new married name and is mine. So I feel this company is taking money from people who do not actually owe it to them. Company is National Credit Adjusters ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, KS XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
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. (TX)

Complaint:
I never consented nor benefited from the attached inquires, please block and delete all inquires. If Experian believe i did any good and services from the following transactions, please let them have one of their senior executive sign under the penalty of perjury that i did receive indeed.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Complaint:
Credit score says its a lot lower than what it is and it concerns me because I really been working on my 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 2018-08-09
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN HONDA FINANCE CORP (TX)

Complaint:
I secured an auto loan through XXXX XXXX XXXX ( American Honda Finance ) in XX/XX/XXXX. I have made all on-time payments and have paid as agreed according to my contract. Due to unforeseen circumstances, I filed for chXXXX bankruptcy on XX/XX/XXXX. I contacted American Honda Finance on XX/XX/XXXX and spoke with XXXX XXXX. I communicated that I would be re-affirming the auto loan to continue to pay outside the bankruptcy. I was told that once the re-affirmation agreement was received and the bankruptcy was discharged, my onetime payments would continue to be reported to the credit bureaus. This was the deciding factor to indeed proceed with a reaffirmation agreement and not surrender the vehicle. The reaffirmation agreement was presented to me and I signed it XX/XX/XXXX and American Honda Finance filed it with the court XX/XX/XXXX. The agreement was a reinstatement of my original contract terms with Honda/XXXX  XXXX. I once again confirmed with XXXX XXXX on XX/XX/XXXX that my payments would report the the credit bureaus after my discharge on XX/XX/XXXX and was told the account would start reporting payment history after discharge. As of XX/XX/XXXX, my bankruptcy is discharged. I received an email alert from FICO on XX/XX/XXXX that there were changes to my credit report and discovered that XXXX/Honda Finance had removed my entire account history from all ( 3 ) credit bureaus. I also discovered that my score declined between 50-70 points among the bureaus. I called XXXX/Honda Finance immediately on XX/XX/XXXX and spoke with XXXX who advised me that any account included in bankruptcy, regardless of reaffirming the account and regardless of the current payment status would no longer be reported to the credit bureaus. I asked when this policy change and she stated " recently '' and could not provide a date. I was not allowed the opportunity to speak with a manger. I now have a 60 month remaining term, a balance of {$40000.00}, a monthly payment of {$880.00} and a car that is only worth {$35000.00}. I will not be able to refinance this vehicle, and my credit has been harmed with this policy change. This is highly unethical as I have made all payments on time and I re-affirmed my obligation to Honda/XXXX XXXX with the promise that my timely payments would be reported to all bureaus as before once my discharge was final.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: EQUIFAX, INC. (PA)

Complaint:
Equifax on my XXXX XXXX XXXX XXXX has not been updated since XX/XX/19 and all payments have been made on time and on my Paper Printed report from Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (TX)

Complaint:
I am not aware of this debt nor do I believe I owe this debt. I disputed this with XXXX and they refuse to remove this from my credit report, The company failed to provide debt validation for this account.

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 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
When I reinvestigated my credit report, I realized that the same accounts was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (SC)

Complaint:
I recently had a mortgage run my credit for home buying purposes. I was notified a short time after that XXXX XXXX ( XXXX ) has recently ( XX/XX/XXXX ) reported my account status as " XXXX '' when I have been in Chapter XXXX bankruptcy XXXX since XX/XX/XXXX. I have never had a late payment on this account prior to filing for XXXX. I reached out to XXXX XXXX today XX/XX/XXXX and spoke to a lady that was very disrespectful by the name of XXXX. She refused to provide me with her last name and advised me that she would report my account negative every month until the account was paid in full.

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 2020-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Complaint:
I put this in twice already to you and I have talked to XXXX  and XXXX in the corp office no one wants to help these 2 late payments were due to the corona virus and they woudlnt anything for me until I get up my account In XXXX I could not because of the virus and none of them want to lift a finger to help and I am really really upset these 2 late payments were out of control they don't seem to understand that I have last payments before due to there cutoff times there cutoff times are not fair to people in the west coast to make it due by 6 I work until that time and usually pay after work put every one of them were on the same day maybe missed by four or five minutes because they have unreasonable cut off times for people in the west coast but I never really missed a payment in years and the only reason these ones were missed in XXXX is because of the corona virus and they still stick it to me and there managers are all rude and sound like a broken record

Company response to consumer: Closed with explanation