hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-12-21
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: Experian Information Solutions Inc. (CA)

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except XXXX and 120 days past due. Ive never been behind on my payment, Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I tried contacting the Experian Credit Bureau and the XXXX XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. Investigate properly and please update for 100 % accuracy. 

XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$9900.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}

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 2023-01-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

Complaint:
On XX/XX/XXXX or XXXX my account was hacked and there was several checks deposited in to my account that I didn't authorize was like 4 or 5 deposit of XXXX and XXXX from XXXX XXXX that I didn't authorize so I called my banker she changed my username and password for my account and the next day a banker from wells Fargo called and said my checking account has been locked and I can't withdrawal none of my money out of it to pay rest of my bills so now I'm negative XXXX in my checking and now I owe my light bill XXXX wells Fargo didn't care they accused me of depositing the checks and I don't ever deposit from XXXX XXXX only checks deposit in my account is from where I work

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 2022-01-12
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. (OH)

Complaint:
My name is XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX My personal information, SS XXXX XXXX XXXX. I was just made aware of a fraudulent loan that was taken out under my name and credentials without my knowledge or permission. I have never done any business with a XXXX XXXX XXXX XXXX # XXXX ( XXXX XXXX ). I am disputing this under the Federal Law FRCA 605b. I have  contacted the XXXX Police and the FTC and filed complaints.

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 2022-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (VA)

Complaint:
Chime has in error charged me twice for a provisional credit after a unfavorable dispute. My original dispute was dated XX/XX/XXXX ( original payment ). 
XX/XX/XXXX provisional credit from chime. 
Friday XX/XX/XXXX provisional credit reversed. 
XX/XX/XXXX another adjustment XXXX. 

I closed my dispute in the app which I believed caused me to pay a provisional credit again.chime stated they stopped my dispute on XX/XX/XXXX but email shows i was already charged on XXXX XXXX already settled the dispute on XX/XX/XXXX. Both screenshots will be below. 

I have contacted them everyday all i get is a 1-3 days for an investigator to look at my claim. Nobody speaks fluent XXXX or can understand me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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: AMERICAN EXPRESS COMPANY (NY)

Complaint:
Account was charged off and I paid Amex directly. I was told that once paid account would be deleted from credit report. Over the years I didn't realize that it was still showing and as a negative account. Called them and was told there's nothing they can do I have to wait for it to fall off ny report. So basically they lied for me to make the payment then didn't keep up with their end of the bargain

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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. (OR)

Complaint:
XXXX, TransUnion, and XXXX, which are non-government for profit entities, has been providing my credit report to other entities without my permission or informed consent, and refuses to stop this practice or delete my account and erase my data when I ask them to.

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 2021-03-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (NY)

Complaint:
To whom it may concern, I'm always very on top of making payments on time..

I have a auto lease with Gm Financial and my account was set up on auto pay ( conformation attached ) to make payments. The lease experience with GM ran smoothly until I got a email one day ( attached ) that my payment is past due. I was surprised as I knew that the payment was on auto pay and my bank account always had the funds available. After calling GM I was notified that my account was removed from auto pay by GM as it was past 30 months so GM resets the Auto pay setting. The problem is that I was never notified that my accounts auto pay will be disabled. If I would have been notified I would have been more on top of making the payment. The only notification I got from GM was only after my account was already passed due. I immediately made the payment once I was notified ( conformation attached ).

GM reported the late payment on my credit report which is severely damaging my credit score.

When I discussed it with a GM rep they did confirm that no notification was sent to me about this change they where not sure why. They said they will look into if they can remove the late mark from my credit report. But i Never heard back from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
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. (AZ)

Complaint:
Experian is reporting inaccurate information on credit report I have constantly challenged bad information on credit report it's not accurate according to federal law their practices our shady practices are against the law

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 2023-08-09
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 credit Bureaus are destroying my credit history unfairly and unjustified. 
Supposedly by a remark code, which was added to My XXXX XXXX XXXX XXXX. 
I am being Penalized every Single Months for the Same Reason, Although the bank has Confirmed the Absence of Such Remark Code. 
They also Penalized Me With Amounts of Discounted Points, which I Never Receive, After having Resolved These Disputes With Credit Bureaus. 
The Dispute are Completed and resolved every Single Months, But They keep adding the Remark Code, Every Single Months. 
I Need Resolve the Issues, They are Destroying 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 2020-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (IL)

Complaint:
I'm filling a complaint against U.S bank for causing errors to my account and leaving my account in the negative for not filling my disputes correctly and using a excuse they need extra information when in effect I gave them all the correct information to put in the system but they refuse to take down the information I give them and put it in the system probably the most terrible customer service I have come across in my life with that being said I would like a full credit back into my account of {$67.00} due to lack of customer service skills and errors of U.S bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Complaint:
There are many credit inquires and debts that arent mine. I have reached out to all 3 credit agency via phone XX/XX/2020, XX/XX/2020 and XX/XX/2020. I have also reached out via mail XX/XX/2020 and XX/XX/2020. I can not get a response. There are many credit inquires that were not completed by me. There is also multiple things that are on my report that are not even mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

Complaint:
I had a hard inquiry on XXXX XXXX 2017 on my credit report from XXXX XXXX, which I had no business with. I believe they did that just because I was shopping around for internet options and I did n't even get service from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
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. (NC)

Complaint:
In accordance with the Fair Credit Reporting Act multiple companies between XXXX XXXX XXXX have violated my rights. 

25 U.SC 2681 section 602 A states I have the right to privacy.

15 U.SC 2682 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
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. (SC)

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 rights to privacy. 15 U.S.C 1681 section 604 A Section 2 : its 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 2023-05-09
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. (MA)

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 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 2022-05-05
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. (PA)

Complaint:
XXXX XXXX account XXXX is a fraudulent account on my credit fe that has been disputed and added to my identity theft report. Please remove.

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 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2018-09-18
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: Credit Technologies, Inc. (CA)

Complaint:
I never authorized this company to do a hard credit check ( nor soft credit check ) on me / my credit record. It was UNAUTHORIZED. XX/XX/2017 Credit Technologies. Never heard of this company!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (TX)

Complaint:
Throughout the term of my loan Wells Fargo has been charging additional interest and fees. My loan was paid off via my Insurance company XX/XX/22. Wells Fargo still proceeded to add interest and fees to this account. They also marked my credit report with negative marks even after the Loan was paid off. Throughout the term of this loan I have always questioned the interest rate and the fees. Please see the attached documents, I most recently had to pay Wells Fargo {$5700.00} in interest so that they will stop reporting this account to credit agencies.

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 2017-05-24
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. (NC)

Complaint:
XX/XX/XXXX - XX/XX/XXXX   {$10000.00}  XXXX   XXXX   XXXX  says I owe Dispute after dispute after dispute to no avail ...   Contacted th e Better Business Bureau an d reported incident Reported to  The Attorney Generals Office  and told entire story Called  XXXX   XXXX . Talked to a representative that assured me this would be rectified and taken off my report, but failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (FL)

Complaint:
An attorney at the XXXX XXXX XXXX here in XXXX FL said that you are 'wonderful ' and would help me with this problem. 
In XX/XX/XXXX, I settled all my bills completely, and moved to XXXX XXXX for 8 months. During this time, XXXX started sending me on-line bills for my now non-existent cell phone which had been closed. I had to get a lawyer to deal with them, and XXXX XXXX XXXX XXXX. of XXXX, PA.was able to stop the harassment. 
On XXXX XXXX, XXXX, a collection agency called ERC sent me a bill from XXXX for {$300.00}, stating that my balance with XXXX remained unpaid. 
I believe that this is a fraudulent claim and that XXXX and ERC are harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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. (NY)

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.

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 2021-02-19
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Portfolio Services, Inc. (VA)

Complaint:
The name of the Company is XXXX XXXX XXXX the amount they claim is owed is {$10000.00} My name is XXXX XXXX the account number only shows up on partial # XXXX my social security number is XXXX, address is XXXX XXXX XXXX XXXX Virginia XXXX Va XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

Complaint:
National Credit Systems , INC is reporting a debt of {$1800.00} from the original creditor XXXX XXXX XXXX. I was not notified of this debt prior to it being reported to credit bureaus. I have also requested validation of debt or a contractual agreement that this debt is owed and have not received any communications from creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Complaint:
This was removed previously but was applied back on to credit. The agency has failed to provide documents I sent certified letters in request multiple time and have also failed to answer the lawsuit within do time.

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