hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
I recently reviewed my credit report and found that my consumer rights have been violated. According to the fair credit act, XXXX XXXX XXXX definitions state : rules of construction ( XXXX ) ( a ) ( i ) states the rem consumer report does not include any report containing information solely as to transactions or experience between the consumer and the persons making the report. Late payments are a form of transaction and utilization is an experience created by credit usage. TransUnion is reporting late payments on several accounts : XXXX 's XXXX - XXXX loans and/or utilization is an experience created by credit usage. XXXX XXXX XXXX ( a ) ( XXXX ) states any consumer reporting agency XXXX furnish a consumer report XXXX the the following circumstances and no other, in accordance with the consumer to whom it relates. I at no time gave TransUnion written instructions to report anything to my consumer report, let alone this payments/utilization. Also accord to XXXX XXXX XXXX XXXX congressional findings and statement of purpose states, there is no need to insure that the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumer 's right to privacy. it also states 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 method undermined the confidence which is essential to the continuous functioning of the banking system. The reporting of these late payments are not accurate and my privacy has violated due to XXXX violating my consumer rights by allowing these late payments/utilization to report to my consumer report! I am asking for immediate removal!

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 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Complaint:
I do not to consent to authorize nor benefit from the listed accounts and inquiries on my consumer report. Please see the attached documentation.

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 2023-02-23
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. (IN)

Complaint:
For the last few YEARS I have told all three credit bureaus and the credit agency that the information for these accounts is false. They keep saying do a dispute and then I do and they never correct it. In XXXX 2016 I was the regional property manager for apartments in XXXX KY. XXXX ( cable and internet provider ) wanted our business. My property managers all decided to give them a try. Because I was the regional I had to give it the okay. They put it as a personal account instead of a corporate. They have me under XXXX XXXX. And they are charging me several different bills for this corporate account I have tried repeatedly to have this fixed but to no avail. And they have the wrong dates on my credit report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NV)

Complaint:
On my credit report from XXXX  it has a negative mark for an insufficient number of accounts that are currently paid as agreed/Number of accounts currently being paid as agreed XXXX accounts. I have 6 accounts that are all being paid as agreed and on time as of XX/XX/2021 It is also showing there is no recent activity on credit cards and/or bank issued open-ended accounts however I make monthly payments on all the accounts how is there no activity? This is dated as of XX/XX/2021 There is also 1 collection showing on my credit report from XXXX XXXX for {$520.00} but it is paid 100 %. I wasnt aware of this account before I paid it off so it gives me 2 negative marks one for collection and one for late payments. I want this to be removed from my report. This is dated as of XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2022-12-12
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. (MO)

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX depressed now.with no 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 non-monetary relief
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Complaint:
This is my six 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 2023-05-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arcadia Holdings, LLC (CT)

Complaint:
Thank you first and foremost for representing people like myself whom feel absolutely violated by these criminals. 

I received medical services last year, and received a bill from XXXX XXXX ( XXXX ) indicating that I owed more money than my explanation of benefits letter indicated I should pay. XXXX indicated I owed over them over {$400.00}, whereas my EOB indicated I owed ~ {$160.00}. This claim was ultimately handed from XXXX to Arcadia collection agency as there was still a discrepancy in the amount to be paid, with me refusing to pay more than my EOB. At this time I contacted XXXX, my claim representative, and they had a cease a desist letter filed to Arcadia to halt any further harassment to myself. 

XXXX also advised me to pay the EOB amount only ( ~ {$160.00} ) to Acadia to prevent all further interactions with them and also advised to hand write a letter to Arcadia indicating they were no longer to harass me, which I did. 

Unfortunately, despite the hand written letter and the cease and desist letter filed, these thieves have attempted yet again to send me a physical letter demanding me to pay the remains amount of the {$400.00}, Without any proof of indicated payment due and even going so far as to suggest I outright pay them and then ask the insurance company to pay me back ... .... I am outraged. 

They may retort that the case is closed and that I have a XXXX balance. This however, is not at all what concerns me. It is their violation of the FDCPA that they need be held accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
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. (NY)

Complaint:
: I recently reviewed my credit profile and noticed inaccuracies and false accusations. It is my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. I AM NOW enlisting my consumer rights to compel you to ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction. Drawing from my research and complete comprehension You nor any entity is permitted to keep any noncompliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the 426-character format fielded P6 statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal five ( 5 ) portioned personal identifiers, and even the unabbreviated 386 pieces of confirmation to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

Complaint:
I'm in an auto lease that I haven't been able to afford for some time.. Shortly after I received this lease it was clear that the sales person lied about the cost. I'm intimidated with sales guys and numbers and wasn't explained anything and was just asked to sign digitally and never got a print out of the credit application. I recently have been getting assistance from a charity and they discovered the credit application was completely fraudulent. They listed my salary at XXXX when it is more like XXXX, they list me as a XXXX, i'm not, i'm a XXXX. No one at my work ever got a call from the bank to verify anything. I asked my employer. No one ever verified anything at the bank/lender office and now I have made every effort to turn the car in and I'm being asked to pay XXXX. I don't have that kind of money and don't know how they can take advantage of people like this. I never missed a payment and have spent all of my savings over the past 2 years to keep my credit from being hurt. I have requested to turn the car in and have remaining payments waived along with any milage overages. They denied me ( last month ). I also requested a lower payment so I could manage it. they denied me again ( 20 days ago ). Sadly I have spent all of my savings and have finally got out on my own after suffering abuse by my partner and simply need this car to be resolved so I can provide a better life for me and my son. 

The current lease payment is XXXX and the insurance is XXXX. ( I was told the payment was XXXX total including insurance - that was a lie ). 
We have reached out to XXXX ( XXXX XXXX XXXX  ) and the  dealerships to assist and no one will do anything even though we have proved the application was fraudulently filled out. First call to XXXX was on XX/XX/XXXX, Followed up with Manager XXXX XXXX several times, no response. Spoke to his manager on XX/XX/XXXX and he advised they couldn't help and its the dealerships responsibility to get accurate DTI ( debt to income ) Spoke to the Dealership on XX/XX/XXXX - spoke to GM XXXX, he advised its the lenders job to verify and qualify any borrower they submit. 

I have 12 payments remaining XXXX totaling XXXX and am 12k mile over for XXXX in penalty ( i had someone help me with this ) {$7900.00} in fees hey want me to pay.

Company response to consumer: Closed with explanation
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

Complaint:
XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX I've had XXXX  XXXX  XXXX for over a decade and I've been fighting this issue for the last two years. Applied and was granted a payment plan Recently, due to COVID I've accepted a payment deferral plan in XXXX ( which is supposed to deter late payment fee's/credit reporting while on the plan- per their website ). 

However, late payments occurred on my credit report XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. This is incredibly disappointing especially at a time like this. 

I would like CFPB to investigate this " COVID relief plan '' the bank is offering because it is FALSE advertising and ruining people 's lives. Highly unacceptable and disappointing from bank like this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Complaint:
on the date of XX/XX/2020 there was an inquiry that appeared on my credit from the company Capital One that I did not authorize. I disputed it and I attempted to reach out to the creditor in terms of getting it off but to no avail. 

on the date of XX/XX/2020 there was an inquiry made on my credit by XXXX XXXX XXXX that I did not authorize. I disputed it and I attempted to reach out to the creditor in terms of getting it off but to no avail. 

On XX/XX/2020 there was an inquiry that appeared on my credit from the company XXXX XXXX XXXX that I did not authorize. I disputed it and I attempted to reach out to the creditor in terms of getting it off but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

Complaint:
I purchased a custom made sectional from XXXXXXXX XXXX on XX/XX/XXXX using my CITI AAdvantage credit card. 

My couch was quoted at 18-22 weeks, it should've been delivered between XX/XX/XXXX- XX/XX/XXXX. Couch was never shipped to me and never received. I started reaching out to XXXXXXXX XXXX in XXXX of XXXX for information and updates, I was told I would receive a partial refund for continuing to wait for my couch until XXXX. I never received any kind of refund or money back from XXXX XXXX. XXXXXXXX XXXX then went into XXXX in late XX/XX/XXXX and I initiated a dispute with CITI on XX/XX/XXXX for merchandise never received. 

CITI has now denied my dispute twice saying that I am still in my expected delivery window for my merchandise. As you can see from the attachment my delivery window has passed and the new company that purchased the XXXX XXXX brand has told me that they CAN NOT deliver the custom made couch I purchased. 

I need help getting CITI to recognize that this is a valid dispute and that I should receive my money back as I did not receive my product and never will. 

*IMPORTANT, my name has changed since the original purchase. The purchase was done under XXXX XXXX, my name since changed to XXXX XXXX in 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 explanation
Consumer complaint received 2017-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MA)

Complaint:
My FEEL Consolidation loan was just moved from XXXX XXXX to Navient. Navient does the same thing that XXXX does, which is mis-apply apyments., In fact, over the last 15 years, not ONE payment has been applied towards principal. When my loan was switched from XXXX to Navient, my payment went up by {$200.00} and they STILL are not applying any money towards principal. At this rate, I will pay {$400000.00} for a loan which started as {$78000.00}. XXXX ballooned my principal balance for no reason, and now Navient has increased my payments. Both of these companies owe me money and need to lower my principal to what it should be. I also want to be able to eventually pay this loan off! My principal balance is now {$150000.00}! It goes up, not down! I am current with my payments. I always have been. 
I have also asked several times for a complete history of documentation and neither XXXX nor Navient is able to supply me with an accurate accounting of my loan or the original paperwork. Therefore, this loan should be forgiven. 
I can not barely afford to pay the {$1100.00} per month they want, and I certainly can not afford to keep paying this loan in perpetuity. 
Why should this loan servicer be entitled to {$300000.00} from me for the rest of my life?? They are preventing me from buying a home because of this bad debt on my credit. They are preventing me from getting ahead in life and I want answers NOW. I want their justification for raising my payment and for not producing documents. If mortgage companies must have original documents, then so should student loan companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Lakeside Recovery Solutions (CA)

Complaint:
This man called my brother in another state, XXXX XXXX in Oregon, I am in California and have a current phone number in my credit. pretending to have an appointment with me in regards to a company that he didnt represent. This caused me undo hardship in having my personal issues divulge to my brothers judgment. 

This person than threaten legal action saying he was an attorney when I called to speak with him I arranged payment out of fear. He charged my account XX/XX/2021, and I still dont know really if Im liable for this amount, he did have my credit and information. I asked him to call me, several times after the first interaction, but could not. The amount taken wasnt agreed upon, I dont know if they are going to continue to harass me or my relations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
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. (FL)

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XX/XX/2021

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