hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

Complaint:
The following accounts are incorrect and they're adversely affecting my lively hood. 
account # XXXX. 
account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-03-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Complaint:
I am unable to open a bank account due to some misleading information on y consume report and this is really disturbing and annoying at the same time. I need help on how to go about this.

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 2017-08-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (FL)

Complaint:
I notice this company XXXX XXXX place a collection on my credit report but it 's already place on my report from another company I received nothing from this company stating they will be placing anything or attempting to collect any debt from me. I search for their licenses to collect debt in the state of Florida and I could not find anything from them or their parent company on the states website.. I contacted the bbb and they responded that they will remove the item from my credit report and they have yet to do so.. I have read a lot of complaints on this company and some have stated that they are a fraudulent company and they way they conduct business is not of standards.

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 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Complaint:
I called the 3 Credit Bureaus after I purchased a credit report with XXXX  on XX/XX/23. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/23. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts will be corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (LA)

Complaint:
Experian is reporting false information and has not been updated since 2018. This debt is not owed and is not reported on either of the other credit bureaus.

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 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for a purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Complaint:
I called Experian and spoke with a representative explaining that there are several fradugelent inquiries and an account from XXXX listed on my credit report. I have explained that I did not ask for these things or applied for anything with my personal information. They instructed that I send in an Identity Theft Report and my ID which I have in the past but they keep saying that they didn't get it. I am attaching the information to this complaint.

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 2018-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (NY)

Complaint:
On several occasions Wells Fargo has fraudulently, lied to me and told me that I can not link my rewards cash back to my principal mortgage, which in turn has prevented me from earning cash back that would go towards my mortgage principal. Also, Wells Fargo has failed to attach my Visa credit card account to my online banking account so that I can not see what my bill is or make timely payments and have been charging me monthly {$27.00} or {$29.00} a month in late fees when they're not sending me a statement. I have an excellent credit score I pay my bills on time my mortgage has never been late with Wells Fargo Wells Fargo is extremely fraudulent and how they handle their customers. Please check into my mortgage Hamp modification where I was granted XXXX in equity and I believe my payments is not going towards my mortgage and my Principle as i was told it would be going towards.

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 2018-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

Complaint:
1st complaint : HSBC sent me a credit card that I hadn't applied for. I've spent over five hours on hold with HSBC in an attempt to report the ID Theft and ensure that the card has been coded as such and for them to remove any related reports from my credit reports. I wasn't able to get a person on the phone until today and then they refused to connect me to the department that handles fraud/Id Theft and refused to provide me with an address or fax number for me to send a police report and affidavit to report the ID Theft. The associate said that she can not assist me that I will have to be placed on a " lengthy hold '' to speak with someone who could assist me. I told them of my 5 hours of hold times and frustration to report the Id theft and they said they couldn't assist me. I asked for their manager and they refused. I advised that I am filing a formal complaint against HSBC and the associate wasn't concerned and they placed me on hold.
2nd complaint : After I formally communicated and provided proof of my victim status as a victim of ID Theft to HSBC and having received HSBC 's acknowledgement of the receipt of the unauthorized application that they've " Denied the application '', HSBC has now communicated to me that they approved the application and are reporting it to my credit reports. Since I've received this information from HSBC I contacted them and requested a fax and or address to resend the police report and FTC Affidavit for them to investigate and resolve the issue and the associate refused to assist me or transfer me to someone who could assist me. I advised them that I am filing a complaint against them and the associate placed me on hold until I discontinued the call because they failed to pick the line back up.

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: 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 confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2021-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (PA)

Complaint:
They company contacted me while i was at my place of employment without prior given consent about an alleged debt of my recently passed over father. The company agent XXXX ( employment id # XXXX XXXX stated that they are a third party debt collector and this was an attempt to collect a debt. I know firsthand that i never gave this company my information or approved any institution to distribute my information to this company. This is a violation of many laws protecting my rights as a consumer as well as my right to privacy. Below is a list of the direct violations under federal law according to Title 15 U.S.C.1692 15 U.S.C. 1692b ( 5 ) 15 U.S.C. 1692c ( a ) 15 U.S.C. 1692c ( 1 ) & ( 3 ) 15 U.S.C. 1692d ( 5 ) 15 U.S.C.1692e ( 10 ) This company is aware of the civil liability they have under 15 U.S.C. 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
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 have consistently been denied access to credit by more then 10 banks because according to my credit report inaccurate items are on there that are tarnishing my reputation. Which is a violation of 15 USC 1692d 1. ( 1 ) the use or threat of violence or other criminal means to harm the physical person, REPUTATION, or property of any person ; is a violation of the Fair Debt Collection Practice Act. I have tried reaching out to have this problem fixed. Nevertheless these inaccurate items are still being reported which is another violation because according to 15 U.S. Code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors ; A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency. Those along are enough listed violations to equate to over {$5000.00} in fines. I am a single parent that is trying to support a family of XXXX. I have paid my dues in society all I am requiring is to be treated fair. Attached is evidence provided in the FCRA book, FDCPA book, and Proof of XXXX Data Breach Victim.

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 2019-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Complaint:
I checked my credit report and noticed unauthorized and unverified accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Complaint:
On XX/XX/2019, I applied for the CapitalOne Quicksilver card. The offer included a {$150.00} bonus if I spent {$1000.00} in 3 billing cycles. I used the online application. The online site returned a decision that I did not qualify for the card with the bonus, but I qualified for the same card without the bonus. Today, I received a letter from CapitalOne explaining that they denied me credit based on my credit report. How can this be? They denied me the CapitalOne Quicksilver card with the bonus, but offered me the card without the bonus. I don't think the 3 credit reporting agencies issue the credit report based on whether or not a company will give you a bonus. This is a bait-and-switch situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Complaint:
These inaccuracies on my credit report need to be removed and blocked from my credit file soon as possible I can not obtain any credit in my names because of this problem please have high concern of this manner it is effecting my financial life thank you 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 2022-09-26
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: EQUIFAX, INC. (NY)

Complaint:
To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law. 
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable. 
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). 

Equifax- USPS XXXX : XXXX - Delivery Date : XXXX XXXX I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, you may be liable for your willful noncompliance. 

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-04-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Summit Financial Corp. (FL)

Complaint:
Summit Finiancial is a NONE DEBT REPORTING AGENCY, as listed with the government. They are NOT suppose to be reporting on my credit report. Two of the credit bureau have removed them from my report for that reason. XXXX  has refused to do so which is causing my score to be lowered. I HAVE SINCE PAID THIS DEBT OFF WITH THE THIRD PARTY COMPANY, XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX, ( XXXX ) XXXX, and Summit STILL will not remove the debt from XXXX. This Attorney even said Summit isn't suppose to report debt, and he can't remove it for me.

Company response to consumer: Untimely response
Consumer complaint received 2022-05-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union Corp., XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g

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 2022-08-20
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. (NC)

Complaint:
I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXXXXXX XXXX XXXX am including it again., XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$12000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2021-07-13
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. (GA)

Complaint:
I have attached a letter from XXXX XXXX stating that the account should have been removed. The account still reflects on my credit file even after dispute. I received this letter dated XX/XX/2021. I now question what is being investigated because this should have been handled upon receipt. Who are you interviewing and investigating when the consumer disputes accounts and other information being furnished in my name?

Company response to consumer: Closed with explanation