hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2019-05-07
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. (FL)

Complaint:
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verfied. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2023-06-24
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (TX)

Complaint:
In accordance with the fair credit Reporting act Comenity bank/ express , has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (FL)

Complaint:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information is not being shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) The financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ProCollect, Inc. (TX)

Complaint:
I have disputed the debt with Procollection over 6 times. I have not received a response from them. I have provided the necessary fraud forms but I have not received any reply

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 2020-11-15
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: CBC Companies, Inc. (TX)

Complaint:
The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. underage with XXXX  XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. see attach ftc violations Fair Lending Laws and Regulations XXXX  to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach. Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

Complaint:
I applied for a Chase Freedom credit card on their website on XX/XX/19. Because there is an extended fraud alert on my credit file, it took an additional 8 days to get approved. I was approved on XX/XX/19 with a credit limit of {$2200.00}. I did not receive and activate my card until XX/XX/19. At that time I setup my online account and activating of my free credit monitoring account. 

Shortly after, about 8 days, my card/ was cancelled and the account closed. I did not receive any notification prior to doing that from Chase. I contacted Chase several times and was not given a clear explanation as to why I was approved for an account and then 8 days later it was closed by Chase. 

I received notifications from my credit monitoring apps that there was a closed account added to my credit file by Chase for this credit card that they closed. It caused my credit score to drop substantially.I contacted Chase and also wrote then goodwill letter asking to remove this account, as it was closed without explanation and also only open 8 days. I also explained to them that credit reports every 30 day account info and this account was not open even 14 days to report anything. I advised them that creditors aren't required by law to report borrowers ' account information to the credit bureaus. They replied back that they are with no documentation backing up that claim. 

I also notice conflicting info on each credit bureau report about this Chase account. XXXX  is listing a open date of XX/XX/19 and a close date of XX/XX/19. 
XXXX  is listing an open date of XX/XX/19 with a close date of XX/XX/19. 
XXXX  is listing an open date of XX/XX/19 and a close date of XX/XX/19 As you can see, these dates contradict and do not coincide with the dates that were actually listed as the application, approval, and activation of this account. So I would like Chase to please petition to remove this account from my credit file on all credit reporting agencies.

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Complaint:
INITIAL REQUEST ASKED TO PROVIDE ORIGINAL DOCUMENTATION OBTAINING MY SIGNATURE. UNDER THE FCRA, BUSINESSES ARE REQUIRED TO HAVE A COPY OF THE ORIGINAL CREDITORS DOCUMENTATION WITH HARD SIGNATURES ON FILE. I HAVE ATTACHED WHAT WAS PROVIDED AS VERIFICATION WHICH IN TURN ARE FULL OF INACCURACIES AND ERRORS. I DEMAND FOR THIS ACCOUNT TO BE REMOVED AS IT HAS NOT PROVIDED VERIFICATION OF THE ACCOUNT. THE ACCOUNT SHOWS CURRENTLY THAT THERE IS A LAST DAY FOR PAYMENT OF XXXX, AND HAS AN ORIGINAL CONTRACT DATE OF XXXX. CONSEQUENTLY, XXXX HAS FAILED ONCE AGAIN TO PROVIDE PROOF OF THAT DOCUMENTION. A NOTICE TO ACCELERATE DOES NOT SUFFICE NOR CONSTITUTE A SIGNED CONSUMER CONTRACT. DELETE EXPEDITIOUSLY!!!! 

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section XXXX and Section XXXX regarding your continued willful and negligent noncompliance.

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 2023-01-05
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: EQUIFAX, INC. (FL)

Complaint:
For more than 5 months I am trying to fix the errors about some debts that appear in my name. I call the accounts and no one gives me information. I also made several disputes with the credit bureaus and none have been answered. there are XXXX accounts with different amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (NJ)

Complaint:
Debt went in collections. It was paid as agreed had contacted both the creditor and debt collector about reporting it correctly. Neither would acknowledged me and my problem

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 2019-05-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (VA)

Complaint:
As the records show within each government agency where I filed each of my complaints about the violations and/or crimes subjected against me by Wells Fargo Bank N.A and after I made all those Reports Wells Fargo Bank N.A again retaliated against me by direct threat and/or intimidation in retaliation for complaining to the CFPB and other government agencies. I believe Wells Fargo Bank N.A continuous retaliation against me is in violation of the CFPA and other applicable laws. I would like full investigation of my case which is also a human rights case against a consumer and a constituent. Wells Fargo Bank N.A fraud, corruption, threats and other adverse actions will not silence me and if anything to happen to my freedom, safety and life Wells Fargo Bank and its involved agents, executive and/or employees must be prosecuted and held fully legally and criminally responsible. All stated herein is to my current states knowledge, belief and understanding and it is subject to anything or any correction by me or my legal representative at anytime without prior notice and without waiving my rights.

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 2018-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (CA)

Complaint:
Navy Federal has been contacted about an account that was settled for less. This was done via agreement made and they continue to report the account as being late for 30 days. They have not updated the credit bureaus to reflect that the account was paid/settled. They are reporting the card as late with a date that the card was already paid in full per a confidential agreement. 

While I no longer have this credit card it is harming me that they continue to report the card as 30 days late which is not correct as I do not have a credit card with them and have paid in full the settlement amount. 

I found this on all my credit report with multiple credit reporting agencies. Therefore, I need the correction to be made with XXXX, XXXX, and XXXX XXXX. 

Upon making the request the bank refused to make any further reporting to the bureaus as they had the settlement money and didn't need to continue to report. They reporting information from XX/XX/2017. 

The balance has been XXXX for quite some time now and they continue to report either a balance or late pay which has impacted my credit report. I advised them that the reason for the settlement was to clear my account balance and not have this show up as a late pay after being paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
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: Experian Information Solutions Inc. (NV)

Complaint:
In accordance with the Fair Credit Reporting act 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. 
The following Accounts : XXXX : Lease with 4 late payments in the past 12 months, most recently in XXXX. account. # XXXXXXXX XXXX XXXX XXXX collection for {$2700.00}. 
Account # XXXX XXXX XXXX XXXX Installment loan collection for {$2600.00}. 

XXXX XXXX XXXX collection for {$1200.00}. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  collection for {$1000.00}. Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  collection for {$1000.00}. 
account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX collection for {$1000.00}. 

XXXX XXXX : XXXX XXXX collection for {$340.00}. 

XXXXXXXX XXXX XXXX XXXX XXXX  collection for {$230.00}. 

XXXX XXXX : Secured loan collection for {$150.00}. 

XXXX XXXX XXXX XXXX XXXX  insurance collection for {$140.00}.

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 2018-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (TN)

Complaint:
This company initially called and would not explain why they were calling me. When I said I would hang up if they did not state who they were & why they were calling then the female caller just said " okay '' and hung up. Today I got a collection notice from Diversified Consultants Inc ( same as the caller ) saying I owed {$28.00} for XXXX. I resolved the bill with XXXX years ago and closed the account. The XXXX bill was resolved after reporting XXXX with the FCC for poor service. I have not had XXXX for 3 years or more. I do not owe XXXX anything at all. After seeing reviews about DCI and seeing people say DCI is " taking advantage '' of the data breach of one of the credit reporting agencies I feel I may be getting scammed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27
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. (GA)

Complaint:
Early this year in the process of me trying a buy a home, I pulled my credit report from all three CRA I noticed accounts that were not mine. one is a credit card account opened in my name XXXX of 2019 with a current total balance of {$710.00} reporting on my credit and another for XXXX XXXX with a balance of over {$1000.00}. I immediately took steps to correct this incorrect information. I have sent multiple letters, filed a police report, sent an Identity theft report all to no avail. Till this day, I have yet to receive any sort of verification or account information from both the banks and CRA 's. I have requested that this information be blocked and removed from my credit file. XXXX has completed it's investigation and deleted these fraudulent accounts off my credit file. It still remains on my XXXX and Trans union reports.

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 2023-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (TX)

Complaint:
This is a XXXX  home internet account that was paid in full when the service was canceled. The equipment was returned. I do not owe anything on this account. 

I have attempted to contact both the original creditor, XXXX XXXX and the collection agency, Amsher Collection Services . Amsher does not have any information about why XXXX claims there is a {$280.00} balance, and XXXX will not send me any documentation or accept payment unless I complete an " identity verification '' process that requires visiting a XXXX store. However, I am unable to complete XXXX 's " identity verification '' process because XXXX stores are unable to assist with home internet accounts that were opened online, as mine was.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
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. (AR)

Complaint:
My car is braking down and I decided to try in trade my car in. When I got to the dealer I was told that the first step was to see if I qualified to trade in. My credit was pulled and determined that there was quite a list of unknown items. I have never heard of these things on my report. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$2200.00} COLLECTIONS XXXX {$780.00} XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX   ARKANSAS XXXX {$170.00}

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 2021-06-28
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. (FL)

Complaint:
Collection account from XXXX XXXX  XXXX  should not be on my credit report. The account is in litigation. There is no evidence account was initiated for or applied for by me. Account Ownership is incorrect and fraudulent. 

Account Info : Account number XXXX Collection opened XX/XX/2020 Account type Collection 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 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: Santander Consumer USA Holdings Inc. (SC)

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

Complaint:
Capital One XXXX XXXX card is charging me 30.65 APR.

The posted APR on the Capital One website is 24.99.

I'm also being charged a {$59.00} interest rate which is incorrect. The posted rate on the Capital One site shows {$39.00}. 
Thirdly, my rate should be capped at 6 % due to XXXX XXXX service. I have tried for over a year to correct this issue with Capital One with no success. 
The problem started when Capital One purchased XXXX. My original card was with XXXX, which I had no issues. When Capital One purchased it, everything changed for the worse. 
I have other Capital One accounts which are correct, but Capital One refuses to correct this account because they are taking a large amount of money from me each month. I've tried so many times to resolve this issue with Capital One, but it's hard to solve it when everytime I call, I'm speaking to someone in another country that can't speak basic English. This is so frustrating.

Company response to consumer: Closed with monetary relief