hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-06-03
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: Experian Information Solutions Inc. (AL)

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 non-monetary relief
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (CA)

Complaint:
Wells Fargo Bank is in the habit of refusing to acknowledging that I made an accurate transaction ; thereby refusing to award me its reward of 2 % back on purchases.

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 2018-11-27
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL ()

Complaint:
I would like to file a complaint against Wal-Mart credit card, I have had their card for the past 4 years and they recently reduced my credit to {$180.00}, when i called their company they told me that it was because they re-ran my credit and that is what I was re-evaluated. The lady couldn't give me an explanation and kept referring to a letter that she would mail. Even though I have been paying my credit card every month including their incredibly high late fees and had established credit with them they still didn't budge. I told them that what they did was redundant since I had stopped using my card to increase my credit-income ratio to have a positive impact on my credit but now it shows that I'm still using 98 % of my available balance which of course will decrease my credit score.  The lady was just silent and was not helpful at all. I feel that this systematic decrease of credit and it having a negative impact on my credit score was done  deliberately so they can then claim that my credit score was why they  decreased my credit limit, regardless of the history I've had with them.

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 2017-05-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: GREAT LAKES (CA)

Complaint:
I reported to Great Lakes Borrowers Services, multiple times that I fraudulently received my federal financial aid, which is a felony. I documented the issues, wrote & called, called back, emailed, asked the information be added to my file, requested that they act on the information. They have done nothing to date to assist me for almost two years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Client Services, Inc. (NC)

Complaint:
On XX/XX/2018 I called Client Services to settle a debt. The original account was with XXXX XXXX. The Client Service representative asked me why was I delinquent on my account? I explained to her I had a medical emergency that prevented me from making timely payments on my account with XXXX XXXX. On XX/XX/2018 this debt was settled for {$220.00}. The representative ensured me a settlement letter an a update with all three credit bureaus. On XX/XX/2018 I received a letter from Client Services confirming the debt was settled in full. I called Client Services on XX/XX/2018 inquiring about the update in my credit file, since the debt was settled and paid. The representative from Client Services insured me that they would update this account with all three credit bureaus ( XXXX, XXXX, and XXXX ). On XX/XX/2018 I mailed a certified copy of my receipt to all three credit bureaus to verify this account is paid /settled in full. On XX/XX/2018 my credit score dropped 52 points! And the reason behind the huge drop was because XXXX XXXX/ Client Services added a negative remark " variable/adjustable rate '' to my credit file. Every month Client Services updates this account with a balance and negative remarks to all three credit bureaus. This account was settled on XX/XX/2018. As of XX/XX/2018 this accounts still reflects late payments, a balance, and negative remarks in my credit file. XXXX  XXXX/ Clients Services last update in my credit file was on XX/XX/2018.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
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: V and H Portfolio (TX)

Complaint:
I have sent multiple credit disputes to XXXX XXXX, XXXX, and XXXX regarding my credit report. I was a victim of identity theft in 2012 when my License and my social was stolen. I have 3 inaccurate debts on my credit that I have never heard of or signed for. 

XXXX XXXX {$990.00} XXXX- {$2100.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX- {$530.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-16
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (NV)

Complaint:
This company initially offered me a 120 day deferment on my auto loan with them and then when I called back to tell them that I needed the remainder of the 120 day deferment they stated that they were no longer offering that and advised that I would need to make the payment. I advised them that I had not returned to work yet due to COVID 19 and they stated that they feel that they have done everything that they needed to assist me. Then on XX/XX/2020 I received a phone call from someone in the collections department asking why I cancelled the payment online, this person was extremely rude and nasty.

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 2018-10-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC (FL)

Complaint:
Per federal regulations, any debt exceeding 7 year-old can not show up on the consumer 's credit report. The debt in question is over 7 years-old. Debt Recovery Solutions is falsifying records and stating the debt was establish as of XX/XX/2018 on my credit report. This is a false statement and against the law to falsifying records. This company is engaging illegal collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

Complaint:
For my Bank of America XXXX credit card, I scheduled payment on the XX/XX/XXXX due date from my BoA checking. And I deposit the check which has enough amount to cover the bill pay. And BoA bill pay allows me to pay the credit card remaining balance on XX/XX/XXXX. And the guaranteed deliver date is XX/XX/XXXX ( confirmation # XXXX, I kept screenshot ). And the bill pay system never gave me any notice for 3 days!!! Then tell me the bill pay fails. And BoA starts charge me the interest charge which is really really disappointing. And later I notice that BoA system does not allow people bill pay amount larger than the balance in the checking. If I know it fails I can try ways to pay the credit card on time.

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 2022-06-22
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:
I am a victim of identity theft pursuant 15 USC 1681b ( a ) ( 2 ) consumer reporting agency may not furnished a consumer report only in accordance with written instructions from the customer and I, XXXX XXXX, the customer never gave any written consent to report anything on my consumer report .NO CONSENT is identity theft.15 usc 1681a ( d ) ( 2 ) ( A ) ( iii ) - In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation.

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 2020-08-05
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: ROBINHOOD MARKETS INC. (OH)

Complaint:
On XX/XX/2020 I made a Financial Transaction between my Checking Account and my Trading Account ( Returned ). I also made a Transaction ( Credit ) after and hat also has not cleared. The Transactions were  Fraudulently tampered with by Federal Law Enforcement Agents through possible DHS FISA Surveillance Warrant. At this time through FOIA Request to the XXXX for confirmation of a XXXX Warrant I would like to File a Formal Grievance with your agency to investigate this matter on purely a Financial Transaction Investigations for possible Fraud. 

The Financial Transaction Fraud I believe was enacted in were from both my Checking Account [ Insufficient Funds ] and Trading Account [ Debit Declines and Withdrawal Errors ]. By the possible Fraudulent Activity that could have been enacted on a Federal Law Enforcement and I had to investigate XXXX Law Enforcement SurveillancXXXX or Counter Intelligence Operations. 

I am currently a XXXX XXXX Student. I worked in XXXX for the XXXX  XXXX XXXX and XXXX XXXX. The Checking Account [ XXXX ] is located in Washington D.C. with an office right next door to the Department of Homeland Security who are able to Electronically Surveil Americans only if the have a Federal FISA Warrant. At this time I am awaiting determination if my Checking Account has been compromised for Intelligence Gathering Purposes and or Counter Intelligence Operations. 

The other account in question is my Robinhood Investment Account. Robinhood is a XXXX Application that allows Traders to Trade Equities around the world. The possible Financial Fraudulent behavior that was going on that and was Debit Card Denials. Also withdrawals from the Robinhood Account have not made it to the XXXX XXXX Account as well. 

Given the Robinhood Trading Applications has Risk and Min Liabilities I took to Robinhood to remedy the Errors and they have to confirm correction of error. I have documented contact with the Platform, Copies of Transactions and Spread Sheets of all Trades [ Buy/Sell ] that have yet to correct. 

I will like your Agency to Investigate Robinhood and XXXX for possible Fraudulent Warrantless Counter Intelligence Activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc. (MO)

Complaint:
Subject : Disputing Information in Credit Report DUE TO : ( 1 ) NO PURCHASES FROM AND ( 2 ) COMPANY OPENING AN ACCOUNT WITHOUT MY KNOWLEDGE. COMPANY NAME IS GINNYS. 

I am writing to dispute the information that is currently affecting my credit history. 

We have been scammed by a company whose name is Ginny 's. They are in XXXX WI XXXX. We have never heard of this company until this issue started. 

We started getting some mail from this company. We thought it was junk mail and threw it away. When I opened one of the mailings recently, it looked like a bill for a purchase they thought I made. The letter looked official and had an account number assigned to me.

Today when I was paying bills, I noticed my credit history had gone down. The company 's name that appeared on the list was Ginny 's and it says I have not paid. I saved some of the recent mailings. I am requesting that Ginnys wrongful credit report be removed AND that my previous credit rating be resumed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
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: EQUIFAX, INC. (CA)

Complaint:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Complaint:
There is information that is on my consumer report. That is a result of identity theft. I did not Provide written permission or instructions for the identified items to be reported on my consumer report. I am re question that that's the reporting of this information be blocked And Deleted. My request to block is not being made in era. Nor is my request to block being may on the bias Of a material misreputation.

Of Fact by relevant relevant to the request to block the identify transaction. The identified transaction are not information related to any transaction to me as the consumer.

Account Name Account Date Account Name Account Date You are reqsir to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of this notice. I look forward to your response, thank you, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
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: EQUIFAX, INC. (IL)

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Complaint:
I am having a lot of trouble with the credit reports because the fact there is things on my report that should not be there. 1st is XXXX credit card i paid this than it was taken off. Aprox. a year & few months later it's put back on. After my house was broken into and set on fire. I lost everything not once but 3 separate times has my house be set on fire.. I understand its not your fault but I'm telling you this because I have nothing. I did not get a new XXXX credit card. 2nd is a XXXX XXXX they want me to pay for something that I did not authorize and disputed right when I noticed it on my account. It took the money I had in the bank & over drafted my account. 3rd. There are some other things that I didn't do. I was one of the people who info got stole when XXXX  had a data breach

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 2022-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
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. (OR)

Complaint:
XXXX XXXX reported a credit card belonging to my ex wife was discharged in XXXX of XXXX. It was not. It was discharged in XXXX. I have a divorce decree that shows I am not responsible for any accounts that belong to my ex wife and that I was to be removed. I also called in XXXX and early XXXX, liekly mutliple times to have me removed from the account as an authorized user. XXXX XXXX did not remove me. The divorce decree explicitly shows, the main party and authorized user was to leagely remove me off the account and I was to be removed by the vendor. I also made attempts to remove myself off this account as well as any and all otehr accounts. Interestingly enough all other parties complied except for XXXX XXXX XXXX. XXXX XXXX also still reports it incorrectly on my credit bureaus and in my name. As well as false information. XXXX XXXX  has duplicated the discharge 2 times which is not legal in the first place and incorrect. The 2nd discharge is clearly shown as discharge and it is preventing my from making a home purchase and any otehr large asset purchase. I spoke with another bank and they clearly said it was a discharge and I as tried to clarify as XXXX XXXX XXXX said it was only an update, other lenders and companies of interes explicitly read it and consider it a second discharge. The XX/XX/XXXX reporting needs to be removed and the card and information needs to be removed off my name. This should have been done in XXXX. This is not only punitive, illegal and immoral. I will seek legal consel as recourse if this is not completed within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
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. (VA)

Complaint:
I sent a letter on XX/XX/2022 to remove XXXX XXXX Bankruptcy Reference # XXXX Liability : {$0.00} that is 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 any account or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # XXXX & I am including it again.

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 2020-11-24
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. (OH)

Complaint:
I sent a dispute letter on XX/XX/2020 about the inaccurate and wrong things on my credit report. Its been over 40 days and I have not received any word back about my credit report. I think I'm being ignored and my dispute is being disregarded. 611 ( a ) States that if a credit reporting company has not completed an investigation in 30 days the information being disputed should be deleted. Its been over 40 days, so I demand that these accounts be deleted at once or I will file for litigation due to the hardship Ive had to experience. My information was also impacted by the XXXX  data breach and may have gotten into the wrong hands.

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 2023-07-06
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. (NC)

Complaint:
Experian has told me that my dispute was complete and the late payments for XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 was removed from my credit report after completion of a dispute. My credit report had not been updated & I called back and they verified that it was still showing after I was told it was not. They told me someone would all me back within 24 hours and it has been over a week since then. There is a lack of proper communication, no one is able to help, and the customer service has been aweful!

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