hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2018-04-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M&T BANK CORPORATION (DC)

Complaint:
MT Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting 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 2022-09-12
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: Genesis FS Card Services, Inc. (OH)

Complaint:
In accordance with the fair credit reporting act, XXXX  account, 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 an account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MS)

Complaint:
On XX/XX/2019 I applied for a Gold Delta SkyMiles Business Card in response to a promotional email I received. The promotion states approved card members will receive XXXX Bonus Miles after you make XXXX in purchases in the first 3 months and a {$50.00} statement credit after you make a XXXX purchase within the first 3 months. Also, there is no annual fee for the first year. After the first year, the annual fee is {$95.00}. I received the XXXX XXXX Sky Miles and the {$50.00} statement credit, but XXXX did not waive the annual fee for the first year. In response to my previous complaint with CFPB against the credit card company, XXXX stated this promotional offer is only for the Gold Delta SkyMiles consumer card. The enclosed promotional offer does not state this offer is only valid for the consumer card ( see attached ), nor was I told that when I applied for the credit card. This is nothing more than an illegal bait and switch tactic. I spoke with a representative this morning at XXXX. The representative stated she can't see this promotional offer I am referring to because it is expired. However, she said the promotions are the same for business and consumer credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Complaint:
We received a letter from Wells Fargo stating that they will be closing our business checking account that has been open and active since XX/XX/2002. The account funded an initial investment to a reputable developer as a partner and is currently receiving distributions from the net rental proceeds on a monthly basis. We do not deposit any large amounts of cash to this account. We have never written any bad checks from this account or any of our accounts. The Wells Fargo letter states that the pending closure is a " business decision ''. There is no risk associated with this account and any claim that this account is a risk would be a false assessment. We feel that Wells Fargo is simply claiming a " risk '' out of thin air and closing accounts to simply satisfy and counter their recent shady activity of opening unauthorized 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 explanation
Consumer complaint received 2023-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
XXXX XXXX is still reporting to Transunion and XXXX ( only these two ) an erroneous and inaccurate collections on my credit reports for a collection of {$310.00}. This debt is inaccurate and doesnt belong to me. XXXX agreed on the matter and verbally promised to remove the inaccurate collection from all three credit bureaus on XXXXXXXX XXXX via phone call from my XXXX XXXX XXXX phone number XXXX. Its still showing up on Transunion and XXXX Credit Reports. Please help me remove this from these two credit bureaus as this is impacting my ability to pursue job applications and further credit endeavors. XXXX adjustment, Transunion, and XXXX are not treating me fairly in my ability to pursue consumer credit. See below law. 

15 U.S. Code 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2022-10-24
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'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$640.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX FL XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX {$4500.00} ; XXXX  XXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX  ( Original Creditor : XXXX FL XXXX XXXX ) XXXX Balance : {$2000.00}.

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 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Complaint:
ive attached document describing what happened

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: 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. (NJ)

Complaint:
i disputed this item as fraud multiple times and presented a offical police report and they still refuse to erase it from my credit because it was wrongfully disputed not in a manner that they could erase it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (SC)

Complaint:
XXXX XXXXXXXX and XXXXXXXX was paid and still reports On my credit and negative as well as none of the collections that debitors are collecting are reporting it to credit agencies. Student loan is hurt my credit its 20 plus years old Ive applied to be forgiveness but now even though payments are pause it stated they are late and its hurrkmf my credit I lost my job which was used for my employment and no longer could get into the island during XXXXXXXX XXXX XXXXXXXX is should Be classified kn disstrr snd forgone. Things are duplicate n hurting my credit lease help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
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. (FL)

Complaint:
There are inaccurate information that does not belong to me on my consumer report. All of the listed items are put on my consumer report without permissible purpose and or related to fraud. Attached will be the FTC report and police report that I have obtained by XXXX XXXX Police department.

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 2022-09-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

Complaint:
I am a victim of identity theft. I contacted each of the consumer reporting bureaus XX/XX/22 letting them know that information on my file was inaccurate. I requested that those items and information be removed immediately because they violate rights given to me by FCRA. Those accounts and information remain. Also The XXXX XXXX is reporting information about my mortgage. I have never been late on my mortgage. XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX are also reporting accounts which are not mine.

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 2023-02-06
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 (GA)

Complaint:
in according with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 section 2 states it also states a consumer reporting agency can not furnish an account within my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IL)

Complaint:
This not my debt. I 'm victim of identity theft I submitted police report to the originally creditor. Then they sold the acccount to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
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. (GA)

Complaint:
I recently pulled my credit report and to my amazement saw that XXXX XXXX have decided to report me 30 days late and past due on this account in XX/XX/XXXX and XX/XX/XXXX. I have previous credit reports from both agencies pulled in XXXX of XXXX, and neither one of these reports show me late or past due in XX/XX/XXXX and XX/XX/XXXX. Not only was I never late on this account, but according to the FCRA, as amended by the FACTA act, you are required to notify me of the insertion of negative listings. I never received such a notice. 

I talked to a supervisor ( XXXX XXXX direct line XXXX XXXX XXXX ), who was unable to find any evidence of my late payment on file. He promised to send me a payment history of my account. I never received such documentation. The results of my dispute and my have just come in, and both say verified. How is this possible? You werent able to provide me with anything. Reporting inaccurate information is also a violation of the FCRA. 

In addition, I have had the interest rate on my other credit cards raised due to your error which has caused me additional interest costs, plus I have spent lost work hours trying to straighten this out with the credit bureaus. The FCRA allows for damages of {$1000.00} per violation, and I consider this three violations, two for never notifying me and one for reporting inaccurately.

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 2017-08-10
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Ad Astra Recovery Services Inc (MS)

Complaint:
I had an online payday loan from XXXX XXXX for XXXX. My payback was for XXXX. My personal information was given to a third party agency without my permission. I did not authorize my information from XXXX to be given to a creditor ( AD Astra Revovery Services , Inc. ). I could no longer contact XXXX about my account because it was sold to a creditor without my permission. My rights were violated by both XXXX and Ad Astra Recovery Services, inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
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. (FL)

Complaint:
This is the second time in 18 months that XXXX has inaccurately reported my account as not current. The company is XXXX - XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX XXXX, CA XXXX They have just reported my account 30-59 past due. On XX/XX/XXXX I actually paid my account in full. The email I sent to the company is below. They won't respond and can't be reached. I suggest you contact both LoanDepot and the company they are DBA as who they might have sold the loan to. 


XXXX XXXX XXXX XXXX XXXX ( 11 minutes ago ) to inquiries I am in the middle of a home purchase and just paid this loan in full. It was paid in one week ago in XXXX. 

Your last credit update to Equifax shows this loan as 30 days past due. It has never been 30 days past due. I am simultaneously filing a policy report, claim with the Florida AG, and a complaint with the CFPB. Your are egregiously impacting my home purchase. I demand a call immediately and an update to the credit bureaus showing my account paid in full and NEVER late. 

My last 4 payments to your company which I am pulling directly from my bank statements : - XX/XX/XXXX - {$400.00} - XX/XX/XXXX - {$400.00} - XX/XX/XXXX - {$350.00} - XX/XX/XXXX - {$370.00} - XX/XX/XXXX - {$6300.00} ( paid in full )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
On three credit reports XXXX, transition, XXXX   shows I owe money to XXXX XXXX XXXX opened on XX/XX/2019 for XXXX dollars.

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 2019-04-10
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 (UT)

Complaint:
Bank of America - XXXX - is reporting a charged off account with a balance, but I didn't owe them anything because I paid them off back in 2017.. I never received anything from them since I paid them off. -- Then I find out that they charged an annual fee and I didn't know that they charged that and my account had been past due -because of their fee- when I finally found out the account was charged off already. I was transferred around and put on hold every time for 30 min. Nobody would help me try and fix the account. Nobody at Bank of America knows what they are doing. 
They had my address and information incorrect and thats why I never got a notice. But this debt is not valid and not mine. This account needs to be fixed because there is no way I am paying {$920.00} for nothing but their FEES!!! 
It was nothing I purchased. Nobody ever called me or anything to let me know my account was past due!

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 2020-07-24
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: EQUIFAX, INC. (AL)

Complaint:
I am contacting you again because I filed a complaint about Equifax on XX/XX/20 XXXX letting you know that Equifax continues to report fraud opened accounts on my credit report. The accounts for XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX   XXXX XXXX XXXX. All these accounts are FRAUD accounts and need to be deleted and BLOCKED from my Report. They responded saying that my information does not match their records but I have the same information that they just sent me a credit report to. I am asking again that these accounts be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
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: EQUIFAX, INC. (NV)

Complaint:
These are not my accounts. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
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: EQUIFAX, INC. (TX)

Complaint:
Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Complaint:
According to FCRA the list of accounts pertaining below have violated my federal protected consumer rights ( privacy and confidentiality ) under 15 USVC1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Right to privacy 15 U.S.C 1681 SECTION 602 A Consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 SECTION 504 SECT 2 15 U.S.C 1681C ( A ) ( 5 ) section STATES : NO CONSUMER REPORTING AGNECY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY F THE FOLLOWING OF INFORMATION any other adverse item of information, other than records of conviction of crimes which antedate the report more than seven year Lastly, 15 USC 1681S-2 ( a ) ( 1 ) s PERSON may not furnish any info 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 response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
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. (VA)

Complaint:
Please remove old bankruptcy from my credit report. 
Public Record Date Filed - XX/XX/2013 Type - Chapter XXXX Bankruptcy Discharged Court - BK Reference - 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