hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-01-21
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 (VA)

Complaint:
I submited a dispute wihth XXXX to dispute a 30-day late payment that Wells Fargo reported for XX/XX/XXXX and provided them with copies of my Wells Fargo statements showing that Wells Fargo made mistakes and I should not have a 30 day late payment on my account. The payment was done 7 days from when it was originally due and I was never past due on my account XXXX Wells Fargo has me past due incorrectly on my XXXX statement ). After submitting the evidence to XXXX, they sent the information to Wells Fargo, but Wells Fargo validated the late payment even though I provided evidence ) and XXXX disregarded the evidence and left the 30 day late payment because Wells Fargo " validated '' the late payment. I have disputed this twice with XXXX on XX/XX/XXXX and on XX/XX/XXXX closed the dispute and left the 30day late payment - completely ignoring the evidence/documents. I called them on XX/XX/XXXX after reviewing the results and they said even though they had the evidence they can not delete it, unless Wells Fargo tells them to. I thought they were supposed to be the mediators in this investigation, but according to them, they only go based on what the creditor provides them -- regardless of any evidence or legal documents I may have. They recommended that I reach out to Wells Fargo, but I explaned that they can not find my account when I call over the phone. Anyway, I disputed the late payment with Wells Fargo again on XX/XX/XXXX and on XX/XX/XXXX they closed the dispute AGAIN saying the same thing - Wells Fargo validated the late payment and could not provide me with proof or comments from Wells Fargo. Also, Wells Fargo is disregarding the documents and when I call them they are saying my account has been purged and they recommend me to reach out to the credit bureas. So it's like XXXX says to call Wells Fargo, and then Wells Fargo says to call XXXX - I keep getting the run around and being re-directed and all parties are not reviewing the documents. I was under the impression that XXXX  was responsible to make sure Wells Fargo corrected their error and see their oversight, but XXXX said no and there is nothign they can do if Wells Fargo keeps validating the late payment. Any help you can provide will be really helpful. Additionally, I did reach out to Wells Fargo Executive Offices on XX/XX/XXXX and also sent them the documents I sent to the credit bureas on XX/XX/XXXX - they are the only department that can find my account, but can not dispute it on my behalf and they have routed to their credit department which keeps validating the incorrect payment.

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 2023-01-07
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. (LA)

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.

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 2020-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (IA)

Complaint:
I requested 6 old statements of my Citi Card to view on line. After 6 days and no results, I called them. It took 4 hours, 2 line disconnections, and many departments to try to settle my problem. Asked to talk to a supervisor, and line was disconnected again. I stopped for the night, as it was XXXX XXXX. The next day I tried to call again. Could not get through the automated responses. After they said, I would be taken care of by the next representative, the phone went dead. This happened 3 times. I am very frustrated with Citi Card customer service. These statements ( more than 12 months old ) are important for an accounting report I am working on. Furthermore, Citi Card started emailing me my statements without my permission, as I used to receive them in the mail. This would never have happened if they mailed me my reports in the first place. Now I am at their mercy in having access to my 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 2019-09-09
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. (TX)

Complaint:
I have tried to clear this collection with XXXX for almost a year now. I do not owe the debt to XXXX XXXX. 

XXXX XXXX XXXX Opened XX/XX/2015 + {$2700.00} Original creditor : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC (TX)

Complaint:
I just reviewed my credit report from XXXX XXXX website yesterday XX/XX/XXXX and noticed a previous company Ive used is reporting to my credit bureau incorrect amounts for my past purchases and they specified that the loan was for a vehicle which is incorrect. I tried calling on XX/XX/XXXX at XXXX cst this was a 8 minute call and the agent was rude not acknowledging the reason for my call or request. He kept deflecting by repeating himself saying they dont report to credit bureaus and there is no credit department to transfer me to. So hung up and tried again to XX/XX/XXXX at XXXX cst this was a 8 minute call as well, this person said he was a supervisor and that he would send a request to the credit department but can not guarantee that my credit report would be updated. I in turned replied It is required by law you remove the inaccurate information under the FCRA, The law states that any inaccurate information you report to my credit bureau must be immediately deleted and provide written confirmation He stated again he couldnt guarantee it so I told him I will file formal complaint with CFPB and the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of account which does not belong to me or was opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$28000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NJ)

Complaint:
Lawsuits : 1. Federal Trade Commission Vs XXXX Status : settled for XXXX ( XX/XX/XXXX ) 2.Consumer financial protection Bureau vs Navient Status : Pending I am XXXX XXXX XXXX Veteran who went to XXXX University from XX/XX/XXXX-XX/XX/XXXX Racked up XXXX student loans which eventually end up with Navient. I also have about XXXX private student loans with XXXX XXXX while going to XXXX XXXX sold me a dream, I got a college degree in XXXX XXXX and I am now XXXX. It has been a nightmare to find decent paying job with my worhtless degree. FTC vs XXXX Stated that allegely XXXX misled prospective students with ads and touted high employment rated and income levels upon graduation. XXXX ended settling in with FTC for XXXX. 

Navient is now being suit by Consumer Financial Protection Bureau along with US Attorney General office, XXXX Attorney general and XXXX Attorney general for unlawful practices such as misallocated payments, steered people into costly plan and supply wrong information. 

These XXXX loans payments, XXXX with Navient and another XXXX with XXXX racked up very high interest plus my other unsecured debt which forced me into Bankruptcy XX/XX/XXXX. 

I learned the US attoney general filed a lawsuit agains Navient along with other Attoney general from other states individually. I would US Attorney General to come on board strongly to protect the interest of XXXX residents affected by Navient reckeless behavior and joint other states AG and file a lawsuit against Navient. 

I would like some relief or perhaps forgiveness on my student loans since I got stuck with a worthless degree and very high student loan debt. 

See Links XXXX CFPB Lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
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: Experian Information Solutions Inc. (CA)

Complaint:
XXXX personal loans is reporting that I am more than 30 days late on 3 payments which isn't true I have bank statements and XXXX statements showing I've paid them. I contacted the credit agencies as well as XXXX  and they reassured me the problem would be resolved but it's not and it's ruining my credit.

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 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Complaint:
Credit bureaus includes identity theft info that does not belong to me and they still haven't been able to update my information despite several request. I'm attaching driver license, utility bill and social security for them to update and delete all information not matching my driver license. 

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Jobs : XXXX Phone : XXXX The rest do not belong to me, I live at this address since 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 2021-12-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc. (MD)

Complaint:
State Collection Service , Inc XXXX XXXX  XXXX XXXX, WI XXXX I discovered a debt belongs to my late wife in my credit report. 
This company was hired by XXXX XXXX XXXX in XXXX Maryland last XX/XX/XXXX. I paid the debt in full for the final bills they never sent to me after my medical insurance paid them {$17000.00}. 
I paid {$370.00} in postal money order and sent to XXXX XXXX XXXX on XX/XX/XXXX as agreed with a representative in their billing department. 
On XX/XX/XXXX this collection company updated the debt {$370.00} as current. This is Fraud and false information for the debt no longer exist. Today XX/XX/XXXX I contact and leave message and a written explanation to ask them to verify the debt and remove all negative remarks and not accurate information from my credit report. 
I also call their consumer relations leave message. Everyone at their company are notified. 
US Postal Money Orders XXXX {$370.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Maryland Mailed Certified with Return Receipt I am asking the FTC Consumer Protection to fully investigate this company and their bad business practices hurting consumer like myself. I am a citizen of this country and a XXXX XXXX, and this is how they repaid me for served this country for shady business like this in America.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Complaint:
Bank of America allowed someone to create a checking account in my name with NO social security number or form of ID. 

I contacted BOA about this issue and assured me there was no checking account under my name. Two weeks later I find that there is and a user has been able to update all of the contact information on my account with none of my knowledge. 

I asked BOA to wipe all of this info clean. I found today that the fraudulent email is STILL the primary contact on my account and I am unable to delete it. 

BOA has also asked that I send out a form to them with a photo of my social security card and license which is ridiculous since none of this was required for the account to be set up.

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 2020-07-27
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. (CA)

Complaint:
Unfortunately do to Covid 19 we were late on my our mortgage for XX/XX/XXXX. Once we were able to catch up on our mortgage in XX/XX/XXXX we did. We live in California and were put on an automatic shut down on XX/XX/XXXX. I was temporarily laid off as well as my wife. We both bounced back and were able to catch up on our mortgage the next month thanks to unemployment and the stimulus check. I was told the CARES ACT was supposed to protect us from mortgage lates being reported due to covid 19. Please remove the lates from all 3 mortgage bureaus.

I did contact them twice one being as recent XX/XX/XXXX and they removed the late fees but they have not removed the lates.

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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

Complaint:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2023-07-21
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. (AZ)

Complaint:
I purchased a home it was set to sale on a foreclosure date. 
My home sold before it foreclosured. 
The mortgage company XXXX reports it as a foreclosure/repossession. 
This is not right, I have tried on several telephone calls to have it removed. 
They stated they can report it foreclosured if it went into foreclosure. 
Dumb it was not foreclosure.

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 2021-09-14
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:
Inaccurate information about a charge off account from XXXX XXXX is reported on my credit report inaccurately. The date of account opened is reported inaccurately as well as the amount charged off. I would like for this account to be removed from my credit report 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 2022-01-05
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 (CA)

Complaint:
Hard inquiries on my credit that I am just now noticing and my personal bank as well that I did not do. Funds taking out that I did not make. A lot of errors that i did not do, I am very upset and Im scared someone is using my identity. This is fraud and is not me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

Complaint:
I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18
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. (IL)

Complaint:
XXXX had a database breach and I was effected by it. All 3 of my credit reports were effected XXXX, Experian and XXXX Credit inquiries on my reports that I don't recognize. I am uploading documents that support my claim Along with documents that shows I file a settlement claim with 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 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Complaint:
I recently obtained a copy of my credit report. It indicated that a credit inquiry was made by XXXX XXXX on XX/XX/2019 the day before I even showed up at XXXX XXXX dealership, which is an affiliated company. This inquiry was not authorized by me and appears to have been done in a nefarious manner. I authorized no inquiry until XX/XX/2019 when I came to the dealership, when XXXX did a credit inquiry for a second time but with their true name XXXX/XXXX XXXX/XXXX  short for XXXX   XXXX. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 
It was done in a nefarious and discreet manner to avoid detection. I spoke with the affiliated company XXXX XXXX, whom I have never had any dealings with and they told me that their credit inquiries are under the name XXXX XXXX XXXX. They are also located four hours from my home and I have had no dealings with them. 
The XXXX dealerships are saying that they do not know where this inquiry came from and EQUIFAX has been of no help. I have sent them my drivers license and a 1099R to identify myself and they still will not talk to me. I did put in a request to have this inquiry removed but i have no ability to check to see if this has happened. I should indicate that i became " locked out '' of my credit file after filing a complaint with XXXX XXXX and XXXX XXXX. Equifax would not even tell me why they wouldn't talk to me. AND WHEN I ASKED WHO I WOULD COMPLAIN TO ABOUT EQUIFAX, THEY TOLD ME THERE IS NO REGULATORS WHO WATCH OVER THEM. JUST COMPLAIN TO THEM. I knew that could not possibly be true. In addition, i was asked several times for my social security number, and it was repeated with other people in close proximity to the person taking my call. I could hear them. It sounds like an overseas operation and i question why they insisted on repeating my social loudly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX will not address the issue at hand in which is 2 documents that in which 1 is not my signature and the other is not legally binding by no notary signature nor which is binding contract nor the instrument is legally binding. XXXX XXXX XXXX XXXX has yet to prove my signature is mines in which any one can tell the document is in fact one person signature.

XXXX XXXX XXXX XXXX keeps sending documents not requested and a lot of documents not requested in chines writing.

XXXX XXXX XXXX XXXX does not Reply to the issues at hand. There is no legally binding contract or Instrument legally binding.

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