hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-09-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (SC)

Complaint:
I have tried multiple times to talk with someone at XXXX! I have XXXX  several numbers and have gotten the same computer ... Your company is not reporting my mortgage payment to XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Complaint:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1400.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1400.00} ), XXXX XXXX, ( Date Opened : XX/XX/XXXX, Balance : {$830.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$5100.00} ), XXXX XXXX XXXX XXXX  Date Opened XXXX XXXX, XXXX, Balance : {$1100.00} ), XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$3300.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$160.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX CO XXXX XXXX XXXX CO 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 2022-11-29
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: ALLY FINANCIAL INC. (NC)

Complaint:
i was pre approved, approved, for XXXX  vehicles and was denied after the company benefited from using my social security card, i still havent benefited anything i dont have any car.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
Regardless of my written request, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : SELF / LEAD 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 2019-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (OH)

Complaint:
I have tried to fix this as whoever did this had used mine and my wifes info and we are very upset as we have dealt with this issue so long and the have done a charge off but it is still on our report and making problems, my wife and i have always paid everything and not sure what is going on help us get this removed from our 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 2020-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BMW Financial Services NA, LLC (GA)

Complaint:
On XX/XX/2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
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. (FL)

Complaint:
I have a lot of dates XX/XX/2023. XX/XX/2023, XX/XX/2023, Also I have others thats old to I have them uploaded these are inquiries thats on my credit sesame my XXXX! I didnt apply for anything someone stole my identity!

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 2016-12-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Nations Recovery Center (OH)

Complaint:
XXXX I filed a XXXX complaint against Nations Recovery ( now twice ). First time they kept taking unauthorized payments out ( triple charging my account ) and kept getting notices that I did n't pay them. It was finally resolved that they would {$0.00} my debt due to the inconvenience they were causing. I get a collections notice in XXXX from a different agency saying I owe {$140.00} on one of the accounts I should n't have to owe and the original creditor ( in XXXX ) was demanding {$390.00} for the other account I did n't have to owe on. After the resolution on the XXXX complaint I NEVER heard back from this agency. I filed another complaint in XXXX and the XXXX agent I was working with never heard from them and were not responding to communication. Today I get a voicemail from one of their agents saying he needed my address to send a refund check. I call him and he 's going around in circles, not listening to me, unwilling to understand what I was telling him. Playing recordings that I could n't even understand because they were so garbled over the phone. He used a tactic that 's appalling to just harass me. At this point Nations Recovery has caused so many problems with my XXXX and have wasted my time over and over again. They have shown their lack of professionalism and their willingness to use deceitful tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-04
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. (TX)

Complaint:
In accordance with the fair credit reporting act : XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (TX)

Complaint:
I am making this complaint on behalf of myself, and not through a third party. 

I have been trying to resolve this issue with XXXX since XX/XX/XXXX. I sent them a letter for them to validate the debt they claim I owe on XX/XX/XXXX. They did not respond with what I requested and what is required by law. I've submitted several CFPB complaints along the way as this company continues to violate me. They closed my account, used all of my reward cash, have reported late payments and charged late payment fees on charges I have been disputing. I am a victim of identity theft and reported that to FTC in XX/XX/XXXX. I have since then sent an Affidavit of Truth to Discover requesting response in affidavit form attempting to rebut my claims made. They have not responded and no further action to resolve this issue has been taken. I included exhibits with the affidavit detailing laws they have broken and an invoice for each. This situation causes me immense amounts of stress every day and is causing my credit score to drop to poor levels further compounding the negative effect this company is having on my life. I have included everything I have done so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
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. (MO)

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 name : XXXX XXXX XXXX # : XXXX, Account name : DEPT OF EDUCATIONXXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account name : XXXX # : XXXX, Account name : XXXX XXXX  # XXXX Account name : XXXX Account name : XXXX XXXX XXXX Account name : XXXX  Account name : 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 explanation
Consumer complaint received 2020-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (PA)

Complaint:
On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

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 name : XXXX XXXX XXXX  # XXXX Account name XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXXXXXX XXXX  # XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX XXXX  # XXXX violated my rights. 15 U.S.C 1681 section 602 A. States 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 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 2023-07-04
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: BLINCLOANS, INC. (OH)

Complaint:
I have consistently been trying to dispute errors on my credit report, On my credit report for XXXX XXXX XXXX XXXX XXXX, the loan balance that's showing is incorrect, I have made all my payments to current and my current balance as of XX/XX/2023 is {$1000.00}. On my credit report its stating that I have a balance of {$1500.00} that is incorrect!!!!!!!!!!!!!!. I have sent numerous documentation providing that the information is incorrect but XXXX has failed to update this information. I have supporting documents stating that the loan balance for XXXX XXXX XXXX XXXX XXXX is incorrect, This needs to be updated to current and the current loan balance amout which is {$1000.00}. XXXX need to update this information to the current amount and loan statues Blincloans, Inc Has been reporting my credit report as late and a balance of XXXX this information is incorrect!!!!!!!!!!!!!. I have been paying all my loan amount and the current balance of Blincloans , Inc is {$200.00}. XXXX Failed to updated this information on my credit report. I have documentation stating that my account is current. I have been reaching out to XXXX and the credit agency. I was informed that my account are both current and needs to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
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. (CA)

Complaint:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
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. (TX)

Complaint:
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account.

If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation.

I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 


In accordance with the Credit Reporting act 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 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 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 explanation
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

Complaint:
Hi, I'm writing on behalf of my daughter. On XX/XX/XXXX she was the victim of a sophisticated scam that first preyed on her mother, and then her. In short, her mom gave scammers access to her phone via the XXXX app. Through her mom 's phone, they texted my daughter ( pretending to be her mom ), and told her " These guys are helping me ; do whatever they tell you ''. So she did, performing a series of XXXX and XXXX transactions on her phone per their instructions ( her mom had done the same and lost several XXXX $ ). 

Her mom appealed to Wells Fargo 's fraud department right away, filled out police report, etc. On XX/XX/XXXX, to make things right for her mom, Wells Fargo took {$3500.00} out of my daughter 's account ( in batches of {$3200.00}, {$200.00}, {$100.00} ) to transferred it to her mom 's account. My daughter 's account had less than {$100.00} in it at the time, so she was left with a balance of - {$3400.00}. 

When I called Wells Fargo to ask how they can fix one person 's problem by stealing from another, they simply told me that " She should go talk to her mom ''. Furthermore, a letter from WF in response to her fraud claim told her that she had " authorized '' those transactions and so there was nothing they could do. This does not address the fact that a ) WF clearly took money from my daughter and gave it to her mom, and b ) whether my daughter authorized a transaction or not, money can not be withdrawn from an account if it's not there ; this is not a credit card. So it seems WF decided they only had enough budget to pacify one of the two victims by stealing from the other. 

My daughter filed a CFPB complaint ( XXXX ), but WF responded the same : she authorized these transactions etc. 

As a side note, I am following up on my daughter 's behalf because she is incapable of doing so herself. Besides just having started school again, she is suffering a significant amount of XXXX and XXXX because of this, and fears the collection agencies. 

My daughter 's and her mom 's bank statements are attached. Note the matching XX/XX/XXXX transactions performed by WF that transferred a total of {$3500.00} from my daughter 's account, putting it into her mom 's.

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 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Complaint:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. 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. They have not complied 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 are the lists of the erroneous accounts reporting on my Credit Report : *Collection : XXXX  XXXX {$400.00} XXXX XXXX {$630.00} XXXX XXXX XXXX XXXX {$810.00} XXXX  XXXX {$550.00} XXXX XXXX {$9000.00} XXXX XXXX {$540.00} *Charge Off : XXXX XXXX {$0.00} *Repossession : XXXX XXXX {$7000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Complaint:
I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation