hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (NY)

Complaint:
I had a charge on my account that I did not authorize. I was in XXXX when I saw it and couldnt get through to amex by phone so I just clicked that I was disputing the charge online and then kept my card locked until I returned to the US and then called then and had the card closed due to the fraud. They did so and sent me a new card and today I got a letter from Amex saying I am responsible for the charge. I called them and asked them why they are holding me responsible for a fraudulent charge and they gave me a lot of trouble about it, suggesting I just made the charge and forgot. They looked up the company and said it was a taxi and I re-iterated I have never made a {$150.00} charge with any taxi. They finally re-filed it as a fraud dispute but I dont trust them at all to take care of it and am asking for your help. I believe I am not supposed to held accountable for a fraudulent charge. I paid hundreds of dollars for this card and pay my account in full every month- why are they interested in protecting the criminals instead of me???

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-10
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: EQUIFAX, INC. (OH)

Complaint:
My credit score is very low XXXX. I have had several lenders look at it and they have no explanation on why it is so low. They tell me the data on my report does not represent a score in the XXXX. I have no late payments in the last 4 years. No collections, bankruptcy or public records. I want to know why my score is giving me a black eye.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
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. (CA)

Complaint:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
Old information reappearing

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 2018-01-19
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. (TX)

Complaint:
cra violation names wrong inaccurate information on reports sent the po report and id theft gov information no knowledge of accounts XXXX  breach has cost me tons of money taking more than 30 days 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 explanation
Consumer complaint received 2017-05-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAVALRY INVESTMENTS, LLC (LA)

Complaint:
They are calling my parents, my mother who is ill and telling them that they have court orders and papers that need to be served and they want to speak with me. My mother told them that they are not the contact for me or responsible for me and to stop calling. She said this has been going on for over a year. They wo n't stop harassing her even though she asked them to stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
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. (FL)

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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 2019-11-26
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. (NJ)

Complaint:
There is an account that is being reported on my credit score. The account does not belong to me. The XXXX XXXX XXXX confirmed that they do not have any account on my name or with my SSN. XXXX   and Experian keep reporting it on my credit without following the FCRA law that requires them to have a copy of the original documentation that proves this account belongs to me and have failed to provide validation or accurate verification with 30 days after my disputes were submitted.

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 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Complaint:
The information I sending is about the fraud I found on my credit report I attach the list of the fraud information I found on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Complaint:
Portfolio Recovery associates attempted to collect a debt that was allegedly transferred from XXXX XXXX XXXX. 

I filed for Arbitration with XXXX XXXX as permitted in the contract. 

Portfolio Recovery failed to pay the fees to initiate Arbitration. 

This is a severe violation of my rights. Including FDCPA, FCRA, and breach of contract. 

They continue to report this account to XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Complaint:
Due to hardship, financial situations and a XXXX  in the family it shows that I have a late payment for Kohls. I dont recall having a late payment. Im trying to remove the late payment from my credit. I have been on time with every payment making double payments or more and I still cant get an increase with Kohls. Please remove the late payment from my credit report so I can move forward. Ive tried writing letters and even cool down but still cant get an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (AZ)

Complaint:
I called my bank Wells Fargo regarding a lot of unknown deductions made by them. I was seeing a constant {$10.00} deduction without explanation. Every time I called about it, I would get the same response They said it was extra charges but they weren't able to tell me what those charges where for. One said for not having a certain amount of money in my account. But I always exceed the amount I was told. So since that wasnt the case i was asked to go to a branch to ask them the question and have them situated. When I went, I was told they didnt know why and that I had to call customer service. At the end of the day no one helped me and I still dont know what all those {$10.00} charges where for.

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 2022-06-16
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: Experian Information Solutions 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 719XXXX has me at a score around 590. 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 n 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 n admitted they had my police report n 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 n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2020-05-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (NJ)

Complaint:
Wells Fargo opened a bank account in my name to meet quota I never have stepped foot in Wells Fargo bank they need to delete all accounts under my social security number

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 2022-02-22
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: EQUIFAX, INC. (CA)

Complaint:
On XX/XX/2022 I applied for the XXXX XXXX Bank credit builder credit card. Account was approved and then closed the same day. They have now reported this account to my credit bureau reports as a closed account and that it was closed at the credit grantors request. The account should have never been reported to the bureaus as it was closed the same day it was opened. In addition to that, it caused my credit score to drop as a result because it shows an account opened then closed. I asked them to remove it and all they could tell me was to have the credit bureaus remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
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. (CA)

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXXXXX, XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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
Consumer complaint received 2021-12-29
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. (IL)

Complaint:
I have previously disputed with XXXX, Experian and XXXX on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2018-10-04
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: Ditech Financial LLC (TX)

Complaint:
Review of recent credit reporting ( XXXX  Report # XXXX ) indicates Ditech has reported my account delinquent XX/XX/XXXX ( 60 days delinquent ), XX/XX/XXXX ( 60 days delinquent ), XX/XX/XXXX ( 120 days delinquent ), XX/XX/XXXX ( 120 days delinquent ), XX/XX/XXXX ( 150 days delinquent ), and XX/XX/XXXX ( 180 days delinquent ). However, the loan was on an Active/Performing Unemployment Forbearance Plan. The Unemployment Forbearance was submitted XX/XX/XXXX and approved XX/XX/XXXX effective XX/XX/XXXX through XX/XX/XXXX in the amount of {$390.00}. Ditech erroneously cancelled the Unemployment Forbearance Plan on XX/XX/XXXX due to the automated process of a Loan Modification Solicitation being mailed. A complaint was filed on XX/XX/XXXX and Ditech remediated the error and obtained approval from the Investor XXXX XXXX for an extension of the existing Unemployment Forbearance. Correspondence was received from Ditech ( XXXX XXXX ) dated XX/XX/XXXX indicating the Unemployment Forbearance Extension was approved effective XX/XX/XXXX through XX/XX/XXXX in the amount of {$390.00}. The loan was under Error Resolution review XX/XX/XXXX through XX/XX/XXXX. Unemployment Forbearance payments were Paid as Agreed, as stipulated XX/XX/XXXX through XX/XX/XXXX. 
The credit reporting account status should have been reported as Active Forbearance -Paying as Agreed XX/XX/XXXX through XX/XX/XXXX. According to 12 CFR Part 1024.35 ( b ) and ( i ) Regulation X of the Error Resolution Procedures the Mortgage Servicer ( Ditech ), after receipt of a notice of error, a servicer may not, for 60 days, furnish adverse information to any consumer reporting agency regarding any payment that is the subject of the notice of error. Therefore, the loan should not have been reported as delinquent XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as the loan was under review for the complaint filed XX/XX/XXXX. The loan was also brought current XX/XX/XXXX in the amount of {$7.00}, XXXX and should have been reported as current for XX/XX/XXXX. In addition, the Investors ( XXXX XXXX ) Credit Bureaus Requirements ( C0-4.1 ) also require the Servicer ( Ditech ) to provide a complete and accurate full- file status report for all mortgage loans to each of the four major credit bureaus describing the exact status of each mortgage loan as of the last day of each month ( delinquent mortgage loans including 30, 60, 90+ day delinquencies, forbearances, modifications and liquidated mortgages ). ALL credit reporting bureau information ( XXXX, XXXX, and XXXX ) is required to be updated accordingly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
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. (FL)

Complaint:
Regarding complaint number XXXX. 
Experian has not corrected the incorrect information on my credit report. Even though I have sent a copy of my driver license, social security card and utility bill for my correct address. I am sending another notice to Experian dated XXXX XXXX XXXX. It reflects my correct name, address and social security number. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. Fair Credit Reporting Act 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( 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.

Currently on my report my name is misspelled, and my address is incorrect. I have two social security numbers listed.

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 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Complaint:
I have unauthorized inquires on my report as of XX/XX/2022 I want them deleted as I did not receive anything for these inquires and It brought my score down and made it impossible to obtain products for personal and family use. I have tried contacting the company who 0auhorized these inquired but they denied having any fault to the inquires

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 2022-09-01
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: Experian Information Solutions Inc. (NY)

Complaint:
This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$25000.00} and XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$14000.00}.

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 non-monetary relief
Consumer complaint received 2022-11-03
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. (MD)

Complaint:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
XXXX XXXX XXXX XXXX ( g ) validation of debt XXXX XXXX XXXX XXXX harassment and abuse XXXX XXXX XXXX XXXX False or misleading representations XXXX XXXX XXXX XXXX practices Under XXXX XXXX XXXX XXXX civil liability

Company response to consumer: Closed with explanation