hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2016-08-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.

Complaint:
My Student Loans are currently being serviced by Navient. In this environment of historically low interest rates, the interest rate on my loans are 4.5 %. The legal agreement does not specify how they are calculating my interest rate in full. It only states that it uses the prime interest rate plus some margin rate but it does n't explain how it calculates this margin rate. In speaking with the company they change their story about how this figure is derived. Additionally, there are several administrative errors on my legal agreement such as labeling the loan as being for a graduate student when the loan was taken out to cover my under-graduate degree. Furthermore, they charged me a $ XXXX repayment fee the day I began repaying the loan. The contract states that they may charge me a repayment fee but it does not specify how much this fee is and {$1000.00} seems very egregious. I do n't think most people expect this fee to be $ XXXX or about 3.5 % of the loan. Lastly, my loans were accumulating interest while I was still a student which seems wrong to do to a XXXX XXXX XXXX but after doing some research I found that this was in fact permitted by the contract and by law. Nevertheless, this seems incredibly unfair to do to a XXXX XXXX XXXX college student who does n't have a job or money ( hence why I took out a loan ) and resulted in {$5000.00} of additional interest before ever graduating, having a job, or the having the means to pay off the loan. 
I have called the company and complained about these things and they told me that all of this is within their rights per the contract. 

I graduated college in 2006 and after over 10 years, I still have nearly 75 % of the loan to pay off. Please let me know if I have any recourse for any of these things or if you can suggest a better way of managing these loans. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.

Complaint:
I had 11 missed called from them in just 1 DAY.. not including emails. The calls come from different numbers every time I receive a call. When I answer and inform that I will not make a payment until I get paid I start getting harassed about paying my bill before my actual due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONLINE Information Services, Inc.

Complaint:
I XXXX XXXX looked a my credit report and notice Online Information Services reporting to my report. I then contacted Online Information Services and the company to validate the debt and to provide the original contract but, I never received it. Online Information Services replied with a letter that was in XXXX  of my consumer rights. Under the FDCPA XXXX XXXX XXXX. ( XXXX ) and XXXX XXXX XXXX. ( XXXX ). I XXXX have tried to contact Online Information Services to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.

Complaint:
XXXX XXXX XXXX And Eastern Accounting System submitted a false workers comp statement to the credit bureau for {$200.00} which made my credit score drop 92 points. I tried contact both companies to remove the inarticulate information for my credit file. Workers comp bill should not be sent to collections and I also never received any written letter from XXXX XXXX or Eastern According System. The federal Fair Debt Collections Practices Act prevents debt collectors from engaging in abusive, deceptive or unfair debt collection methods. This method was unfair and it damage my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
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.

Complaint:
i have asked the credit bureaus to show me how they have validated the negative accounts & the bankruptcies on my credit report. i have sent them letters asking them show proof that the negative accounts belong to me and to show me how they were validated. they have failed to produce any documentation providing any proof or how it was validated. in addition, XXXX XXXX Courts do not verify bankruptcies via 3rd parties, so how are they being validated as accurate? no proof has been furnished to support the accuracy of these accounts being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I enrolled in school back in 2016 and my XXXX diploma was not acceptable and they kicked me out receiving a loan I am not responsible for. XXXX XXXX diploma is not legitimate at all and they knew this I tried resolving this matter and no results.

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 2023-05-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION

Complaint:
I leased my XXXX XXXX in California in XX/XX/XXXX. In XX/XX/XXXX I moved to texas and decided to buy out my lease on that date. I went to XXXX XXXX to pay for registration and pay for sale tax because this is personal use vehicle. I dont have business and this is my personal use. I just got 4 mails from XXXX  financial services stated that I own them personal property tax for my lease in XXXX. I already purchased this car in XX/XX/XXXX. They should take off my vehicle Vin number out of their inventory list so XXXX XXXX dont have to send bill to them. I went to XXXX XXXX regarding about this matter and they said nothing to do with me, XXXX XXXX sent tax bills to XXXX because the vehicle still on their inventory. I tried to reach XXXX from their support website and no one reply back to me and try to solve this problem. I got bills again and said I have 10 days left to pay them. This is harassment and it is not about money, I dont like to pay for their mistakes and now will lead to send me to collections for the debts I dont own. Bad business and seem like no one help. Please help me thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Protection Association, L.P.

Complaint:
I contacted the company Credit Protection Association in XXXX Texas and paid them the amount owed per their contract with the original creditor XXXX in XXXX Florida. I am currently purchasing a home and asked them the supply a letter stating the account is paid in full. After contacting them several times over the last three weeks beginning XXXX XXXX, they stated will take 24-48 hours to update in their system. And I will receive a letter in two weeks, when I moved out of my apartment on XXXX XXXX, I still had not received the letter. 
I contacted them again on XXXX XXXX @ XXXX EST and they still have not supplied me with a letter stating the account is paid in full. 

I spoke with the Floor Supervisor, XXXX, who puts me on hold and 22 minutes later, tells me they emailed me, but than states she wants me to give me the name of the lender with my personal information and they will call them. 
I stated I would like the letter they promised when I contacted them on XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
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.

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Please remove these items : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX PA ) XXXX Balance : {$170.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$110.00} Medical XXXX Balance : {$300.00} Medical XXXX Balance : {$230.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$100.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$230.00} Medical XXXX Balance : {$230.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$600.00} Medical XXXX Balance : {$490.00} Medical XXXX Balance : {$850.00} Medical XXXX Balance : {$2100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2021-08-08
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: Santander Consumer USA Holdings Inc.

Complaint:
This account from Gateway Lending and Finance is fraudulent. I never had a loan open with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07
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.

Complaint:
I had a mortgage with XXXX XXXX. I have never been late with any of my mortgage payments. I am in the process of closing on my home next week. I have been getting the run around from XXXX for over 30 days. They have agreed they made a mistake with the information they shared with the credit bureaus of me being 120 days past due on XX/XX/20. My wife and I were approved for a new home and now we can't get credit approval with this latest info.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc.

Complaint:
XX/XX/18 fraudulent hard inquiry to my XXXX  report by Santander. Attaching relevant police report. XXXX instructed me to contact each company making fraudulent inquiry individually.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Factor Trust

Complaint:
In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : XXXX, XXXX, XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), FactorTrust, XXXXXXXX XXXX XXXXXXXX, XXXX, and XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX ). 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. 

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/ Employer : XXXX  Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above. 
Attached to this complaint are supporting documents to validate the accuracy of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
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.

Complaint:
XXXX Account # XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some late payments posted on my credit profile. 

Your company is in clear violation of the law. Under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above reference account, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Deb Collection Practices Act 15 USC 1681 violations for willful noncompliance- 616 Civil liability for willful noncompliance [ 15U.S.C. 1681n ]

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 2021-08-26
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.

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
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.

Complaint:
On XX/XX/2022 I gave written instruction and what to include and what not to include on my consumer report. This elaborate mechanism does not have permissible purpose and I did not give consent to furnish to furnish this information on my consume report. As a federally protected consumer my rights are still being violated. If my written instructions are not followed I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
I submitted a letter to the XXXX Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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.

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2019-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have been fighting all 3 bureaus for the past 10 year to get them to comply with the law. They openly refuse. They deny - claiming they have no ID info -which they refuse to keep on file. They deny claiming they have answered ( by providing ZERO information ) complaints-therefore they must not answer complaints on existing files which they must get paid by someone to continue to extort me on. They resell said dated info to make it reflect current- then UPDATE said info and entire files instead of removing ANY INFO. THEY DO NOT COMPLY but state they do - with FCRA/FCDPA and other laws. They only respond to YOU to release my files- ( I could be someone else ) by mail ( which has been intercepted ) and REFUSE despite USPS federal investigation to remove inaccurate information about me- concerning verification of my files to APPROVE ME as an editor on my own account. I have provided factual info- yet all bureaus refuse to acknowledge this. ALL BUREAUS track and intercept credit and other data ( stalking ) without my permission and continue to abuse me based on inaccurate data they have no intention to correct. bankruptcy is an extortion attempt on debts not legally owed.

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 2023-09-13
Product: Credit reporting 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.

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Transunion Consumer Solutions XXXX XXXX XXXX, XXXX XXXX PA XXXX XXXX To whom it may concern, I was informed by your company ( Transunion ) that account number ( XXXX ) with XXXX XXXX was deleted from my credit report.

I have now realized that this same item was REINSERTED onto my credit report!

In accordance with the requirements of the FCRA SECTION611 ( 15 U.S.C 1681I ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) Requirements Relating To Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer file pursuant to subparagraph ( A ) is Reinserted in the file, the consumer reporting agency shall notify the consumer of the Reinsertionin writing not later than 5 business days after the XXXX, if authorized by the consumer for that purpose, by any other means available to the agency I have received no such notification, This is a serious violation of the FCRA and I now reserve the right to pursue legal action for this clear violation of the FCRA! 

I demand that you immediately Delete this Account from my credit report in order to avoid legal action. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Fl XXXX XXXX XX/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