hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-06-28
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. (TX)

Complaint:
Equifax continues to say they dont see these inquiries on my credit & keep saying inquiries are factual, how is it factual information when Ive sent over an ID Theft affidavit in addition to a police report stating that I didnt do this?? Equifax continues to ignore this & theyre about to find themselves on the other end of a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

XXXX XXXX XXXX  Acc No. : XXXX, has violated my rights. 

XXXX XXXX XXXX Acc No. : XXXX, has violated my rights. 

XXXX XXXX XXXX  Acc No. : 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 an 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 non-monetary relief
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (MI)

Complaint:
UNDER 15 USC 1681i ( 7 ) Method of verification this account is in viloation it was reported without valid evidence Under 15 US CODE 1681a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation any credit transactions supposed to be excluded from a consumer credit report if a social security card was used in transaction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
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. (FL)

Complaint:
Back in XXXX  I disputed an account that was fraudulently made under my personal information WITHOUT MY CONSENT, the company was XXXX XXXX XXXX XXXX. I reached out to them and notified them that I am a victim of identity fraud and that I was not in fact the owner of the account and the account was made without my permission without my consent... I reported this issue to the credit bureaus as well and provided them with documentation. I asked the credit bureaus and the CREDITOR to provide me with details and proof showing that it was me that created the account and they were unable to provide me with anything with my wet signature on it nor were they able to provide me anything proving that was me. PER 15 USC 1681B " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) 1 of this title ; '' THEREFORE, The account must be removed, blocked, and never to report on all 3 of my accounts ever again. This issue has been hard, it has blocked me from receiving credit, getting a house, and just has been stressful towards my life due to me having my identity stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (MD)

Complaint:
On XX/XX/XXXX I was advised that a collection account was placed on my credit report by MRS Associates on behalf of XXXX XXXX for a balance of {$1600.00}. Upon further investigation I learned that a utility account was opened using my information for service address XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX. I've never lived at this address nor do I know anyone who does or did. The account was opened in XX/XX/XXXX and final bill date was XX/XX/XXXX. I have lived at my current address in Maryland for the past XXXX years with no breaks. This is not my debt and is clearly a matter of identity theft. I have attached a copy of the police report as well as proof that I've owned and lived at my current address since XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (OH)

Complaint:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : CHOICE RECOVERY # XXXX, CHOICE RECOVERY # 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (MA)

Complaint:
XXXX  is still reporting information that they themselves told me they removed as fraud from my report on XX/XX/XXXX based on the dispute I opened and the FTC affidavit, Police report, and proof of identity I submitted. They state that since collection agencies purchased this information and opened these entries as new accounts - they are showing them. Even though they have retained the information that the Original Creditors and related accounts were deleted due to fraud. I submitted the exact same information to XXXX and they reinvestigated and immediately delete the information ( see attached ) I submitted my original dispute on XX/XX/XXXX and subsequent dispute on XX/XX/XXXX which I am attaching which has my detailed complaint. I also opened a complaint with you and you just closed it because they did a system review. This is wrong, they legal need to show proof that these accounts are mine and neither they nor the collection agency can show that proof - that is why XXXX had to delete the accounts in the first place. Please read my complete complaint attached and also review the documentation from XXXX that they deleted the collection agency 's information from my report. I also just received the same deletion information from XXXX as a result of Credit Dispute # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Complaint:
APPLICATION ID : XXXX On XX/XX/2022 I initiated a consumer credit transaction with my SSN also referenced by congress as a credit card, pursuant 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' The purpose of this consumer credit transaction was to obtain a credit card, I was denied access to my open ended credit. As a consumer, natural person, and original creditor I have an open-ended credit plan, it is unlawful to deny me of my own credit. I am requesting that your department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your organization civilly liable for non-compliance pursuant 15 USC 1681o , 15 USC 1640, 15 USC 1691e . 
Further more, pursuant 15 USC 1691 ( a ) - Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction '' A denial of my open ended consumer credit constitutes to discrimination. 
Pursuant 12 USC 1431 Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original creditor anything. 

I have attached links to congressional law for reference. 
https : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX https : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (TX)

Complaint:
I have been an excellent customer who has always paid my bills on time. Naturally, I was completely shocked when I noticed my account was reported late to the credit bureaus in XXXX and XXXX of XXXX I do not think I was late during this time, but if I was, it was either because I did not receive my bill or the online payment system was down. I have had problems receiving mail at my address and I have had numerous problems making online payments on my account. On a related note, the payment history being reported by the credit bureaus is wrong, because XXXX and XXXX reports that I was 30-days in XX/XX/2018, and XXXX reports I was 30XXXXdays late in XXXX. This is impossible because if I was late, it would be either XXXX or XXXX, not both. Please see the attached copy of 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 explanation
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (MD)

Complaint:
Opened a checking account went to close out told me it wasnt any money but in order to keep the account you had to leave at least 20 in theee

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 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Complaint:
I have been paying child support for years and my account has been reflecting that I am not paying my child support. I pay my child support directly at the XXXX XXXX Juvenile Court house each pay date and The State of Louisiana Department of Children and Family Services, reports on my credit report that no payments have been made. This has been going on years now and has caused me major financial hardship. I have been unable to get a fair credit card, get a drivers license or purchase a home. Because they are reporting that I am not making my payments. I have contacted the parties involved for years now and they are unwilling to help correct the matter. I have attached my last 54 payments and I also have the receipts for the current month as well. These receipts come directly from the court clery. 

I have exhausted all avenues trying to get assistance with this matter and in my research, I found that it is my right by law to have this account, completely deleted from my credit report and never to be reported again, due to the errors in the reporting of this account. This legal right is granted by the FCRA and I would like to enforce this right as I have been harmed for years now, with no assistance is correcting this matter. 

I attached my last few payment receipts, I have last months receipts as well as the last 54 payments, I tried to attach them but your system won't allow me attach the file because it was over 10 MB. So I just attached a few, but can provide all of them for you, without a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (MI)

Complaint:
On XX/XX/XXXX, I made a payment to Wells Fargo online, in the amount of {$98.00}, for my monthly payment amount. I received a verification email stating the amount that was to be charged to my checking account. 

On XX/XX/XXXX, Wells Fargo put a payment through to my checking account, but it was in the amount of {$2100.00} ( the full amount left to pay on my account ), NOT the payment amount of {$98.00} that they sent me the verification email of. The account caused an overdraft of my checking account and I was charged {$28.00}. 

I immediately contacted Wells Fargo and could not get anyone to rectify the issue, as they stated that my account was closed because it was paid off. I spoke to the customer service rep and explained the problem and requested a manager call me back. 

On XX/XX/XXXX, I received a phone call from " XXXX '' from Wells Fargo and a case number. I called back and spoke to her, but she was not able to do anything, other than opening a complaint. The complaint was assigned to : XXXX XXXX. 
Escalations Representative Enterprise Complaints Management Office I have tried numerous times to contact this person, via phone and email, and have never received any response. 

All that I received are emails stating that they need more time to research my complaint. 

I have received these emails on : XX/XX/XXXX ( stating will follow-up by XX/XX/XXXX ) XX/XX/XXXX ( Stating will follow-up by XX/XX/XXXX ) XX/XX/XXXX ( Stating they will follow-up by XX/XX/XXXX ) XX/XX/XXXX ( Stating they will follow-up by XX/XX/XXXX ) Again in XX/XX/XXXX ( Stating they will follow-up by XX/XX/XXXX ) Nobody has ever followed up or conducted any research into how the company verified that they were to charge me {$98.00} but instead charged {$2100.00} to my checking account and caused the overdraft. 

I had never been late or been behind in any payments until this issue came about.

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 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Complaint:
On my XXXX, XXXX and Trans Union credit report, its showing a current balance on the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I paid my balance in full and shouldnt have a balance. My current balance on all 3 accounts should be a recent balance of {$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 2021-09-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (OR)

Complaint:
In XXXX of 2021 Chase bank closed my accounts, there was close to XXXX between both accounts. I have tried calling them multiple times to find out when I will be receiving my money from them, they keep giving me the go around and saying they are doing an investigation on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
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. (PA)

Complaint:
The account shows closed but is currently active

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 2018-12-21
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:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 


BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$1100.00} Company : XXXX/XXXX  Account # :XXXX  Date Open : XX/XX/XXXX Balance : {$700.00} Company : XXXX  Account # :XXXX  Date Open:XX/XX/XXXX Balance : {$1400.00} Company : XXXX   XXXX/XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (CA)

Complaint:
This is in regard to a Navy Federal Credit Union account. I noticed that the bank in question has been garnishing federal benefits do to a unsettled debt. The funds in question were derived from federal student aid that is deposited into my account from the institution that I am attending, XXXX XXXX. The specific amounts were {$700.00} on XX/XX/XXXX and {$500.00} on XX/XX/XXXX. When I infomed Navy Federal about the mistake on their end in regard to garnishing federally protected benefits, the bank refused to refund my XXXX XXXX XXXX that had been deposited into my account and attempted to set my account on an automatic withdraw schedule in order to obtain a partial refund. This was the response from the representative of Navy Federal Credit Union that I spoke with on XX/XX/XXXX. I also informed the banking insitution that I could not setup an automatic withdraw schedule since I am currently not working due to a verified XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (FL)

Complaint:
Wells Fargo XXXX XXXX XXXX XXXX. Box XXXX XXXX XXXX, IA XXXX Account Ending In : XXXX XXXX Identity Theft ) My identity has been compromised and although I've made Wells Fargo aware that the account in question does not belong to me, Wells Fargo has continuously reported a fraudulent account on my credit report. 

My most recent correspondence XX/XX/2018, notified Wells Fargo that their attempts to collect a debt were illegal and their erroneous reporting of the negative and fraudulent item on my credit report. 

Unfortunately, Wells Fargo has refused to remove the negative items from my report. The FCRA demands that a true and accurate report be made of an individuals credit worthiness. Wells Fargo 's erroneous reporting is nothing short of defamation of character.

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 2023-06-01
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: Affirm Holdings, Inc (CA)

Complaint:
Affirm is reporting an account in the amount of {$100.00} on my XXXX credit report and credit reports I have not opened any account with them and have already spoke to two representatives of theres, one on XX/XX/23 named XXXX XXXX And most recently XXXX XXXX On XX/XX/23 at XXXX Both stated on a recorded line that there was no account linked with my personal email, phone number, and current address, XXXX XXXX even stated in email that there is no account with my email linked to this account this needs to be removed from my XXXX profile and credit report immediately as affirm already had 30 days to resolve this and it still hasnt been fixed they are not in FCRA compliance and if they try to accuse me that this account is mine I will be requesting Affirm furnish full proof proving its mine and my original wet signature signing off on taking out this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
Pursuant to 15 U.S. Code 1681 - Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

XXXX Violated my rights as a protected consumer. They have done this by providing inaccurate information to the credit reporting agencies. In the past I have disputed this with the bureaus and they again have deliberately reported inaccurate information. The High balance, Date of last activity, date reported, date opened last payment all vary between the three Bureaus : TransUnion, XXXX, and XXXX. They are also reporting that this account is closed. Being that the account is closed, per law, there shouldn't be a past due amount as past due amounts are only applicable to open accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC. (FL)

Complaint:
I've called before to see whats going on just the fact they did closed the account before. It makes no sense to send a letter to me. Since they close the account before.on the letter it showed from XX/XX/2019 thru XX/XX/2019. Account been closed where this has this came.

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