hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-05-16
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: Fidelity National Information Services, Inc. (FNIS) (OK)

Complaint:
XXXX  XXXX XXXX is reporting a fraudulent account opened on XX/XX/2019 to ChexSystems and verifying that disputed information is accurate, but has yet to provide me with the requested information that proves that I am the one who opened the account. In the information they provided, which consists of two bank statements, there are only returned mobile deposits and returned echecks. I have requested the signature card used to open this account and also the ID used. Neither pieces of information have been provided to me. The closure status status states " settled in full '', when I have never paid a dime to XXXX  XXXX XXXX, or conducted any business with them. They have it reported for Suspected Fraud Activity, which I do agree with, but I am not the one who conducted the fraud or the opening of the account. If they are not able to provide me with the requested proof that shows I am the person who opened this account then it needs to stop being reported. They were provided with my FTC Identity Theft complaint, as well as the Dispute and request for validation of proof. Seeing as that they are unable or unwilling to provide any proof that I opened this account, other than my personal information was used via a mobile application, then this information needs to be removed and stopped being reported 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 2022-05-18
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. (TX)

Complaint:
FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc. (MA)

Complaint:
This is ianccurate because the late remarks, there is no late remark in XXXX then why is there in XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

Complaint:
On XX/XX/2021 {$2400.00} was deposited into my account via a fraudulent transaction. I filed a fraud claim on XX/XX/2021

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 2020-02-02
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. (CA)

Complaint:
XXXX XXXX CREDIT CARD has made illegal, invalid, erroneous, and unauthorized hard inquiries on my credit which has damaged my credit score. 

Cease and desist, no authorization This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX CARD Made on : XX/XX/2018 Made with : Experian Made by : JPMCB CARD Made on : XX/XX/2018 Made with : XXXX  I have not signed any documents authorizing your organization to view my credit history, therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

I request that after removing your unauthorized and outdated inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, 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 2022-12-31
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:
I recently sent your agency a dispute document requesting an investigation on inaccuracies appearing on my credit report I received your response and the following inaccuracies remain on my credit report. It is my right to have an accurate credit file and errors like this are detrimental to my financial well being. According to the fair credit reporting act section 607 I am entitled to a complete and accurate credit report the item listed below is not accurate nor correct therefore in violation of my rights under the fair credit reporting act therefore must be removed immediately. 
I do not have accounts or debt with the following creditor therefore I am requesting the original purchase agreement with my signature. Also provide documentation that show you are the legal owner of this alleged debt as well as all terms and conditions. If such can not be provided I request IMMEDIATE deletion off my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) # XXXX Also, Upon research the following Debt Collectors are not licensed to even collection in my State which is XXXX  ( see attached ) furthermore is a complete violation of my rights and THE LAW. Prompting IMMEDIATELY REMOVAL from my credit profile. 
Once again I am notifying you that this item is not reported correct. Section 607 states you must ensure maximum accuracy of the information contained in my report. Please respond promptly. I prefer that we both avoid pursuit of my rights under 15 USC section 1681m and 1681o, which requires your compliance with the law. 

Thank You for your time and attention to this matter

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 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
Credit Inquiries From Unknown Sources

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 2021-08-02
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: GOLDMAN SACHS BANK USA (VA)

Complaint:
On XX/XX/21, an unknown charge for {$840.00} was Pending on my Apple Card ( Goldman Sachs ), I submitted a dispute the same day and was told that, because the charge was still " pending '', they would monitor the charge and if the charge posted, the dispute process would start with no further action from me. If the charge did not post, it would just drop off of my account.

Since then, I have made dozens of calls and chat sessions with Apple Card Support about this charge that posted to my account on XX/XX/21. On this date, I received a " provisional credit '' and exactly one minute later, the provisional credit was reversed. After many phone calls, I finally learned that the dispute that I repeatedly called about had been ruled in the merchant 's favor because, they stated, I " withdrew my dispute '' -- this is a complete falsehood.

In an effort to resolve this matter, I sent emails to the merchant advising that the transaction was made fraudulently and, in coordination with the merchant and XXXX, successfully redirected the merchandise back to the merchant. After the merchandise was returned, I submitted proof of this to Apple Card Support. I have received multiple emails from Apple Card Support advising that a " credit has been applied '' to my account and have been told countless times ( verbally and in writing ) that I am " never responsible for unauthorized transactions '' yet, as of XX/XX/21, I am now receiving notifications from Apple Card that my account is " Past Due '' and the {$840.00} is now accruing interest charges and late fees. 

Repeated phone calls to Apple Card Support, as recently as today ( XX/XX/21 ), have resulted in the same assurances that " the dispute is in process '' and " the credit will be applied '' but none of this ever actually happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
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: Experian Information Solutions Inc. (SC)

Complaint:
XXXX XXXX XXXX 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

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 2022-07-11
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. (NC)

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 non-monetary relief
Consumer complaint received 2023-04-11
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:
TransUnion failed to comply with 15 USC 1681s-2 ( b ). TransUnion is civilly liable under 15 USC 1681 ( n ) ( i ) On XXXX  a dispute letter was sent due to inaccurate information being reported and a reinvestigation of the claimed verified information from the furnisher. 

TransUnion failed to conduct a reasonable procedure by their own industry standard of Metro 2. TransUnion failed the Metro 2 standard requirement to report the full DOFD a ECOA requirement code -37 which is a violation of code. ECOA requires the date of first delinquency to report the month/date/year, not just the month and year as being reported. 

TransUnion failed to report the account type as credit card code 18. The account type being reported as charge off/collection which is not an account type. TransUnion failed to report consecutive 24 months of payment history. Failing to report XX/XX/XXXX presents willful noncompliance. 
In conclusion, TransUnion has failed to conduct a reasonable investigation as required per 15 USC 1681s-2 ( b ) Due to your inaccurate reporting and failure to comply with 15 USC 1681s-2 ( b ), I received damages and harm due with a recent denial for a home loan. Because I was not able to secure a home loan, my family and I moved to temporary housing until I was able to secure permanent housing. My family and I also suffered a loss of days at work and school, moving expenses and losses of utility transfer fees and deposits. 

Therefore under 15 USC 1681n TransUnion is liable for actual damages, {$1000.00} violation and punitive damages.

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 2020-01-17
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (SC)

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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. (IL)

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
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:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

Complaint:
Wells Fargo is incorrectly reporting information to XXXX, XXXX  and XXXX. They are reporting to XXXX  that the open date on an account is XX/XX/XXXX and reporting to XXXX and XXXX  that the open date is XX/XX/XXXX. I've disputed this account with all 3 bureaus since XX/XX/XXXX and they always report that the information is verified and accurate. How can it be verified with different account open dates? 

I have asked all three bureaus : XXXX, XXXX and XXXX  to provide me with a copy of an original contract with my signature to prove I indeed have an debt with Wells Fargo and that the information they are reporting is accurate. Neither of these companies ever sent me any proof or documentation to verify what they are reporting was accurate which is a FCRA violation of my consumer rights. 

The company has also listed this account on my credit report as a charge off but still reporting the account late each month and further damaging my credit history and preventing me from being able to obtain credit and start my business, purchase a car or buy a home. If the account is charged off, its already a derogatory remark on my file and should not continue to be reported as a charge off and late on my credit report each month. That is a FCRA violation and I demand this account be deleted immediately from all three bureaus and levy any fines deemed appropriate against this company under FCRA and FTC guidelines.

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 2022-02-17
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Delev & Associates, LLC (OH)

Complaint:
DELEV & ASSOCIATES , LLC violated my federally protected consumer rights. 

PER 15 U.S. Code 1692e states that the false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 

I have been receiving letters and phone calls from DELEV & ASSOCIATES , LLC in reference to a " DEBT '' from the University XXXX XXXX. Every time this company contacts me, I am distressed believing that I am going to have to go to court or even my wages garnished. This company has TAKEN my STATE OF OHIO tax refund for MUTLIPLE years to apply to this said " debt ''. 

The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 

The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. 

The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title. 

Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Complaint:
My card was stolen and used to spend over XXXX at a place called the XXXX  and Bank of America are refusing to refund me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (OH)

Complaint:
I was a victim of a scam ... I was advised by PNC Bank to close that account leaving it negative. Open a new one where all of my further deposits would go, I was refunded the charge of the two fraudulent checks, but none of my personal money was at all recovered.
<P/>
When opening this new account it was in everyone 's agreement that if my money was not recovered we could set up a plan of repayment to close out that account.
<P/>
This was two weeks ago ... .This morning I woke up to a Freeze on both of my accounts. I have been to branches and made numerous calls and every one is saying they are unable to help me until I pay the remaining balance of the of the closed account off. This was not the agreement and they now taken what little money I now have and put a hold/freeze until I make all accounts a {$0.00} balance. I feel like the only people I have on my side are now taking advantage of me. <P/>PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (MA)

Complaint:
This account is transferred/sold. There should be no late payments on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation