hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-09-16
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. (MI)

Complaint:
I have contacted Experian multiple times about old accounts. Example. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( some up to XXXX years old ) that keep reappearing on my credit report, and I have attempted multiple times to dispute the information as inaccurate because it keeps reporting closed accounts as in collections ( I have paid them off and they are satisfied ) and are reflecting delinquent on my credit report. Experian has verified the information they are reporting as accurate which it is NOT. This is unacceptable. Not only is this illegal but also hindering my credit score from progressing. This needs to be resolved before I begin a lawsuit. Old accounts that are satisfied CAN NOT continue being reported as delinquent. Thank you for your time -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 2016-02-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: STERLING JEWELERS, INC. (VA)

Complaint:
I paid off my kay jewelers loam off in full and all of a sudden two years later they say I owe money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
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. (GA)

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

Complaint:
Hello, I have new information in regards to Equifax to follow federal law. I have sent multiple notices to Equifax making them aware of the many violations they have committed and yet they have continuously put their company policy in place of the FCRA. I never gave them permission to furnish anything on my report yet they say they do not need permission from my. Pursuant to 15 USC 1681b it clearly states that without a written express permission from the consumer it is unlawful to furnish anything on my report. The negative information has caused me to lose my job, lose my car, and doesn't allow me to properly extend my credit for credit cards, apartments, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

Complaint:
I purchased car equipment from XXXX, item arrived damaged, I contacted XXXX, and they refused to help stating shipping company damaged item, refund would not be paid, I dispute with financial institution Chime, and was denied, I am still waiting on documents they used to deny my claim The Claim number for this dispute is XXXX for account ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC (SC)

Complaint:
Not my Loan?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
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. (AR)

Complaint:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$350.00} XXXX XXXX XXXX {$600.00} XXXX/XXXX  XXXX {$390.00} XXXX/XXXX  XXXX {$1600.00} XXXX XXXX {$480.00} XXXX/XXXX  XXXX {$350.00} XXXX  XXXX {$350.00} XXXX XXXX XXXX {$400.00} XXXX  XXXX {$390.00} XXXX  XXXX  XXXX {$170.00} XXXX XXXX XXXX {$350.00} XXXX/XXXX  XXXX {$400.00} CHAPTER XXXX BANKRUPTCY XXXX

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Complaint:
XXXX  XXXX XXXX, XXXX credit card, XXXX XXXX Bank, XXXX XXXX XXXX XXXX Bank XXXX as well as Sunrise LA and XXXX XXXX are all reporting an account fraudulently, I have contacted to attempt to provide them with an identity theft report and they refused to resolve this issue and delete the item. I am a victim of identity theft and they show a serious lack of regard or care in the matter. I have also attempted THREE TIMES to resolve this with all three credit reporting agencies as well via their dispute process however am unable to achieve results due to the automation of their processes. They continue to state that the account is verified when I request proof of this verification they fail to provide me with said proof. All the credit bureaus have done is parrot information given to them by the creditor in question. The continued willful and negligent noncompliance of the aforementioned parties I believe is in direct violation of 1681 ( a ) ( 4 ) of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
I applied to refinance the vehicle loan from wife to husband 's name on in XX/XX/2017. After speaking to XXXX from the application department/customer service, the loan was declined and cancelled over the phone due to XXXX does not provide 3rd party transfer vehicle loan. I need to transfer the title of the vehicle with the refinance as soon as possible due to divorce and finally complete the process by applying the loan with XXXX XXXX. 
Although the loan was declined and cancelled by XXXX, XXXX Account department sent out the payoff check to XXXX XXXX  on XX/XX/2017 which has wrongly payoff XXXX XXXX  loan and activated a loan account at XXXX XXXX  for a loan that I was told to be denied. 
Again, the loan is supposed to be cancelled as stated by the XXXX representative and I have successfully obtained a loan from XXXX XXXX. When XXXX XXXX sent payoff check to XXXX XXXX  to pay off the original XXXX XXXX Auto loan for the XXXX  XXXX. XXXX XXXX  returned the check from XXXX due to XXXX payment and sent title to XXXX. It created a huge issue with my vehicle title which did not allow me to renew my registration although it was past due and all the interest and late fee from XXXX. After all the phone calls and mails negotiation over 1 year with the help of our attorney, XXXX successfully submitted payment to Nationwide but the payoff amount from XXXX was different from the original loan amount or the payoff amount sent from XXXX at Customer Service Department for {$42000.00}. 
The credit history reported by XXXX on my credit report is incorrect! It shows that I have an account with XXXX bank that is closed by pay status as Collection/Chargeoff. There should not be any collection/chargeoff since the loan was originally cancelled by XXXX at XXXX and there should have no payoff to be sent from XXXX. I have never made payment to XXXX as the fact that I do not have a loan with XXXX. Now that my credit is all ruined because of XXXX mistake and this has to be removed from my credit report ASAP! 
XXXX is the worst bank with the worst customer service that I have ever experienced! I took my over 1 year and the issue is still not resolved. Every time I call to get this auto loan issue to be followed up, there is no response and no ownership for the mistake this bank made. All I received from XXXX is collection call and collection mail. 
I demand the XXXX bank reporting error on my credit report to be removed and the issue of this wrongful payoff has to be resolved 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 2023-06-23
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. (IL)

Complaint:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION 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 2019-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (TX)

Complaint:
Equifax it kept asking me wrong questions and this is one services I can not get into and correct and it tell me start over And XXXX I can't get into my account I paid for and I disputed the services and never returned my money from bank

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
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: EQUIFAX, INC. (NV)

Complaint:
Please annul these not compliant alleged accounts deficient of physically verifiable proof of adequate from anyone exactly and lawfully identified as me..Failure to demonstrate proper evidence requires that you eradicate all of these following untimely, untrue, incorrect, deficient of permissible purpose and not compliant allegation accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
XX/XX/XXXX - account deleted from credit report. ( Disputed for having no knowledge of account ) XX/XX/XXXX - debt ( {$1200.00} ) reinserted without written notice back on credit report. ( Disputed for not being liable for an account sold to a debt collection agency whom I did not sign a contract with  originally therefore I have no obligation to pay this debt ) XX/XX/XXXX - debt ( {$1200.00} ) sold to another collection company. Reinserted debt without written notice back on credit report. ( Disputed for not being liable for an account sold to a debt collection agency whom I did not sign a contract with  originally therefore I have no obligation to pay this debt )

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 2018-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

Complaint:
I was an employee at XXXX when I leased my vehicle. 1st payment was suppose to be made as part of the VPP program at the time for employees. I was not awarded that payment. After fulfilling the 39 month lease agreement (plus 1 extended month) I lease returned the vehicle on XX/XX/XXXX ( documents attached). Come to find out that the last 2 payments made of $XXXX on XX/XX/XXXX and another for $XXXX  a week after that (receipt of payments with confirmation # s uploaded)  XXXX inform me weeks later and after they already confirmed payments, which went as far as posted on my credit bureau bringing my loan current, inform me payments returned and when asked why I was not given a reason. Completely disregarding the NACHA rules and guidelines in a non compliant manor (rules 3.8,2.12.5.1,2.12.5.2,3.12.6) and then go as far as abusing the right to report credit by wiping out the 40 payment history on my credit report and charging off the residual amount of the lease of $XXXX! This is after 12 changes they made within  months. Even removed the loan on one of the bureaus. Other payments were made but I am leaving that out for this complaint because my resolve is to have the history of this lease be accurate and lease returned as it was to show on my credit. Fraudulent reports on my credit and disregard for rules and guidelines have created loss of wages and tremendous hardship the last 6 months. This is abuse of power and disregard for the law and consumers!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NY)

Complaint:
I paid this debt, they keep attempting to recollect the dept I paid in full.

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 2023-07-02
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: National Credit Systems,Inc. (TX)

Complaint:
On XX/XX/XXXX I sent a letter requesting a full investigation and removal of National Credit Systems , Inc, XXXXXXXX XXXX XXXX XXXX, XXXX GA XXXX to XXXX. Because my sister and I do not owe National Credit Systems or XXXX XXXX XXXX any money for rent or damages as they have claimed. We dont owe them {$5000.00}. It is not a judgment in the favor of any companies listed above. We dont have an eviction or monetary judgement from or for XXXXXXXX XXXX XXXX  or National Credit Systems XXXX XXXX has had over 45 days to fix and to remove the false information for our credit report, but have fail to do so. On the XXXX has falsified information such as saying that we owe {$5000.00}, missing information about last payment date, Date of First Delinquency XXXX XXXX, XXXX. We have judgements in our favor against XXXX XXXX XXXX which shows that we was not evicted and do not owe them anything. I believe that XXXX have violated my rights under Fair Credit Reporting Act such as 15 USC 1681b, 15 USC 1681c, 15 USC 1681d, 15 USC 1681e, 15 USC 1681g, 15 USC 1681h,15USC 1681i and much more.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

Complaint:
Spoke again to Carrington Mortgage Services today. I have listed CFPB as third party authorization on my account. They confirmed it. 
My account was in forberance, then I applied for Homeowner Assistance Fund thru Carrington and they did not put my account on hold during the process. They reported me late to all credit bureaus. My account still reported currently late after they recieved all payments and I already made XXXX and XXXX current payments. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NV)

Complaint:
In XX/XX/XXXX I had a debt for XXXX that was old to a collection agency ( XXXX XXXX XXXX ). I seen it on my credit reports for {$320.00}. They reduced it down {$64.00} and I settled with them and paid {$250.00} XXXX/XXXX/XXXX. They updated my credit reports and showed I paid it leaving a {$0.00} balance. Now XXXX/XXXX/XXXX XXXX illegally reopened that same account selling it to a new collection agency ICSystem saying I owed {$64.00}. I spoke to cox and both collection agencies. XXXX XXXX shows I paid it and sent proof to XXXX who then sent proof to ICSystems XXXX/XXXX/XXXX and I requested it be deleted from all XXXX credit reports and while it was being investigated for it to be put on hold. I also filed a dispute with XXXX earlier that week. ICSystem finally deleted it off of XXXX but illegally reported it again the following day to XXXX and XXXX and has yet to delete it off even though they are aware it was not a debt I owed. I had paid it XXXX/XXXX/XXXX. They also are reporting this debt 3-4 times a month ( once a week ) damaging my score as much as possible. They have refused to delete it off of all XXXX credit reports knowing that it is not a valid debt and after cox has told them to remove it.

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 2023-06-14
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: WELLS FARGO & COMPANY (NJ)

Complaint:
Dear Sirs, I kindly ask you to review the attached documents and please help me reimburse my founds {$10000.00}, illegally charged by Wells Fargo Bank XXXX 

Best Regards, 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 monetary relief
Consumer complaint received 2019-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MO)

Complaint:
EquiFax continues to demand highly personal information be MAILED to them before providing a credit report and REFUSES to provide an electronic report as the two other companies do. This practice, to get around government regulations and prohibit me from reasonable access to my ANNUAL report is intentional, and has prevented me from wanting to take the risk to get their report for the past decade.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
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: EQUIFAX, INC. (MI)

Complaint:
I am a natural person, I am a living human being. I have right under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the inquiries listed below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these inquiries. 

Inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Complaint:
This account is currently in litigation the data furnished continues to ignore disputes asking for an update of the credit report to reflect current litigation.

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 2022-03-08
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. (NV)

Complaint:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of 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 non-monetary relief
Consumer complaint received 2022-04-27
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: Experian Information Solutions Inc. (TX)

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX NEVADA XXXX XXXX Account # XXXX, has violated my rights. 

XXXX5 U.S.C 1681 Section 602 A. states that I have the right 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