hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-06-14
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: Experian Information Solutions Inc. (IN)

Complaint:
I have paid for credit monitoring services with Experian for almost 2 years. During that time they have failed to correct vast and defaming inaccuracies on my credit report by deleting those accounts. Further, I have paid extra to have my credit score refreshed and provided with option to freeze my credit report. I have noticed within the last 60 days for some the freeze has not completely worked because there are inquiries on my credit report. Delete the following immediately : XXXXXXXX XXXX XXXXXXXX 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 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (MD)

Complaint:
I signed up for this " XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. '' Today I find out a credit card was added, and I was NEVER informed.

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 2023-01-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts ( 1 ). ( A ). 

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 non-monetary relief
Consumer complaint received 2015-10-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC. (NY)

Complaint:
The Collection Company : AFNIXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXXTelephone : XXXX calling and sending collection bills to my house for a debt they said I owe to XXXX They are collecting {$4400.00}. 
I do not owe any money to XXXX XXXX XXXX, I have never had business with XXXX XXXX XXXX, and I want that AFNI company to stop their attends for collection. 
I recently returned a bill to AFNI and told then that I do not owe money to XXXX XXXX XXXX, and to fix the delinquency report they submitted to the Credit Report Companies ( XXXX ). 

The situation is that around XXXX 2013, someone made business with XXXX XXXX XXXX and probably under my name. Then around XXXX 2013 a debt collector made a delinquency report to the Credit Report Companies ( XXXX, etc ). I called the collector company and told that I do not owe any money to XXXX XXXX XXXX and I have never done business with then. 
I requested then to undo the delinquency report. But they kept the collection account and then transferred to another Collector Company which is this XXXX AFNI. 
See attached last bill for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Complaint:
on XX/XX/2021 addresses has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting incorrect is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX these NAMES are undeliverable by the US Postal Service.

to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of addresses that are reporting are not deliverable by us postal service and has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it. 
EQUIFAX, XXXX  AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
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. (TX)

Complaint:
I was notified by two credit monitoring services that there had been a hard credit inquiry on my Transunion profile. I contacted the inquirung company, XXXX XXXX XXXX, and told them this was fraud. They stopped processing the application, but will not automatically remove the inquiry from my credit report. I subsequently contacted Transunion and placed a fraud alert and credit freeze on the report. 

The next day my mail carrier left a card in my mailbox informing me my mail was on hold until the ned of the month. I then went to the P.O. and informed them that I did not place the hold. They then removed the hold. 

I have taken steps to protect my credit, but my concern now is to have XXXX XXXX XXXX  remove the inquiry from my credit report.

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 2022-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (PA)

Complaint:
Comenity Bank - Bjs XXXX I have had this card for years and have used it for purchases and zero interest balance transfers multiple times. I always pay my balance in full. When I have an existing zero interest balance transfer I pay my minimum payment plus any new charges on the statement and receive no interest charges. XX/XX/22 statement included a XXXX $ minimum interest charge. I had to communicate twice and threaten legal action to get a XXXX $ refund. XX/XX/22 statement I paid XXXX when my prior statement balance was XXXX. However they applied the payment to new charges and not to prior statement balance and charged me {$5.00} interest, It appears to me that there has been a software change resulting in them overcharging interest to all of their customers. They are aware of this and have made not effort to remediate it. punitive actions would be appropriate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-11
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: ALLY FINANCIAL INC. (MI)

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under [ 15 U.S.C. 1681 ] section 602 states I have the right to privacy [ 15 U.S.C. 1681 ] section 604 ( a ) section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under [ 15 U.S.C. 1666 ( b ) ] 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 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 2019-02-01
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: EQUIFAX, INC. (CA)

Complaint:
I don't have a financial obligation to these companies and it is negatively affecting my credit score, please remove it immediately XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX XXXX ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (GA)

Complaint:
From XXXX to XXXX I was charged fraudulent overdraft fees exceeding well over {$XXXX} when wells Fargo Bank was located on the corner of XXXX XXXX & XXXX XXXX in XXXX XXXXXXXX XXXX XXXXXXXX I mean, personally I don't see how I could continuously be charged fees if my account wasn't being funded, but whenever I did receive funds, they were illegally taken to settle outstanding trumped up fees occurred while I was unemployment at the 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 2017-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

Complaint:
I 'm a XXXX and XXXX. 
My student loan has been sold several times, most recently to Navient. The original amount borrowed was XXXX dollars. 
I graduated in XX/XX/2006 and have been paying XXXX per month since, without fail, and my balance is XXXX even though I 've paid XXXX already. 
When I questioned them I was told that my payments was only being applied to the interest which was compounded daily, but now a portion would be applied towards the principal too.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
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: EQUIFAX, INC. (CA)

Complaint:
Hello, It seems that some mortgage companies have been " inquiry happy '' and have been pulling hard inquiries every month! 

I have XXXX hrad inquiries from " XXXX '' for dates of XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX I also have XXXX hard inquiries from XXXX XXXX XXXX on XX/XX/XXXX ; and XX/XX/XXXX. 

I have sent multiple letters to these folks and have not received ANY response. 

Could you please force them to remove these hard inquiries from my credit report? 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (TX)

Complaint:
Multiple dates, multiple times with no messages left. When I answer the call drops.

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 2023-01-20
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. (VA)

Complaint:
This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

Complaint:
First, this matter has already been resolved, but I am concerned that something similar might repeat. I respect American Express and I want to ensure that appropriate channels are aware of potential problems in certain areas of the company. I believe that going through the CFPB is the surest way of contacting the most reliable people in American Express who truly have the companys best interests at heart. 

Today ( XX/XX/2023 ) I became aware through a random advertisement that my XXXX XXXX XXXX XXXX might carry an annual fee. I then used the AmEx app to determine whether there was an annual fee. I could not locate the appropriate information, but I saw that there was a chat feature in the app. I then asked for confirmation about whether my card carried a fee. However, because I was still uncertain about their answer ( they did not seem to completely understand me ), I requested a copy of the original card terms. The person refused to share the terms with me after I asked twice. It was then only after I mentioned a potential violation of federal regulations that they provided a link to a PDF with the cards terms. Even though the PDF was not the terms for my specific situation, I assume it was close enough. I was astonished by the refusal to provide the credit cards terms upon a reasonable request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (CO)

Complaint:
I called the company, Nelnet, to see if they could lower my interest rate and they said they could not. I have been paying on my student loan at around 8 per cent and my balance has stayed about the same. Interest rates have been from 2 to 5 per cent and there is no reason for paying such a high rate of interest. I was a student and was not able to get a job in my field of study. I had to work and start at the bottom of a customer service call center. It was hardly enough to contribute to the support of my wife and grandchildren ( at the time ). 
Now my situation is different. I am on Social Security and scrambling to make ends meet. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
This is in regard following account ; Alleged Creditor : XXXX XXXX  Account Number : XXXX Per 15 U.S. Code 1681c2 Consumer Reporting Agencies shall block the reporting of any information in their files after the consumer identifies the information being reported is due to identity theft. Please remove this account not later than 4 business days upon receipt. Please send along documentation certified/accredited by the alleged creditor if they believe this account belongs to me, otherwise REMOVE IMMEDIATELY.

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 2018-09-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (NV)

Complaint:
18 months ago I leased a vehicle in New York with US Bank as the lease holder. 

Recently US Bank sent me a letter informing me I owed them nearly {$600.00} more in sales tax because I moved to Nevada? and that the Nevada Sales Tax Department had sent them ( US Bank ) a letter attesting to this. I contacted the taxation department in Nevada and they confirmed not only did I not owe them any tax of any kind but they had not sent US Bank any letter stating that I did. 

The Nevada State Taxation Department subsequently Faxed a letter to US Bank informing them of this, that I in did not owe any Nevada tax on this leased vehicle ( I have a copy of their letter and attached it to my complaint ). 

US Bank subsequently debited money from my bank account without my authorization to pay for this bogus 'sales tax ' after I told them to stop auto debiting. They then promised me to mail the money back to but they have not done so and continue to send me letters insisting I owe the state of Nevada {$600.00} in sales tax. 

I have called US Bank Leasing department several times about this matter but the people in the department frankly have no clue about leases or sale tax and are of no help. 

I believe US Bank is attempting to defraud me. I need help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
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 (KS)

Complaint:
Hospital and car loan is reporting on my credit report without my permission and I have ask for them to remove but the done keep it on my credit report and its against the law to report any thing without my premision

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP (FL)

Complaint:
I received a letter from a third party mediator informing me that I was about to receive a court summons for a civil suit against me for defaulting on a credit card from XXXX XXXX. I called the bank. They told me they no longer handle this debt and gave me the contact information for a collection agency, Rausch Sturm, located in XXXX, Wisconsin. I called this agency and spoke to an agent. I am XXXX and my sole source of income is Social Security Disability. I told them that it is against Federal Law for a private debtor to garnish or levy a persons Social Security Income. It is against the law to garnish or levy a persons bank account to which Social Security is directly deposited. Even in the case of a court judgment. I offered a small monthly payment arrangement, but they wanted a higher payment that I can not afford. I have a financial hardship, and need money for basic necessities and my prescription medications. They said they did not care, and unless I paid them {$46.00} per month for four years, they would continue court proceedings. They said their goal was to obtain a judgment in court to garnish my Social Security income. I believe this threat is a violation of Fair Credit Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
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 Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-06-13
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: JPMORGAN CHASE & CO. (DC)

Complaint:
Company : JPMCB account : XXXX In accordance with the fair credit reporting act XXXX XXXX, Has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy 15 USC 1692g - Validation of debt law This account with JPMCB has been Charged off but is still reporting late payments and balance to my credit report. I have requested a 1099c form so I can audit them to make sure they are in compliance but have yet to receive one. As it has been remove from 2 bureaus but it still negatively affecting my report on XXXX. 
They are violating 15 USC 1681 e ( b ) for reporting information that is not 100 % accurate.

Company response to consumer: Closed with explanation