hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXt Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (IL)

Complaint:
American Express has violated my rights as a consumer. They have broken the law and the Equal Credit Opportunity Act ( ECOA ). I have been discriminated against more times than once. This is my final attempt to rectify the situation before heading to a federal courthouse. I have provided proof of the violation in the letter response that they provided me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
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. (NC)

Complaint:
XXXXXXXX XXXX  has placed information on my credit file. They will not accept the fact that I no longer am interested in their product. I have no legal obligation to continue to pay for something I do not use and do not own. I have contacted them on several occasions and they refuse to close my account and leave me alone. I just want inaccurate data removed from my credit file. They report to bureaus as a mortgage but refuse to provide proof of said mortgage. 

Credit bureaus are just allowing anyone with access to put data on consumer credit reports. Experian is not looking at documents or disputed reasons. They just send a computer message and accept the response. XXXX also allows them to rubber stamp false inaccurate data on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (FL)

Complaint:
This is a complaint about incorrect Foreclosure Starting ( FS ) and a Negative ( N ) mark on my XXXX   Credit Report for XX/XX/2020. 

This is reported By Specialized Loan Servicing XXXX SLS. net my previous mortgage company. 

In 2020 I was in forbearance from XX/XX/2020 - XX/XX/2020 On XX/XX/2020 I paid off SLS in full and the account was closed. This date is Prior to the end of the forbearance. 

Subsequently, after the account was closed, SLS started forclosure on the properts according to a marking on my credit report, dating XX/XX/2020 when the account was already closed and in good standing. 

I have contacted SLS and they said there was an error and there is no foreclosure, that the account is good and closed, and they would fix the problem. 

To no avail, XXXX  has been disputing the error as well and it keeps being bounced back with no correction to the negative mark on an account that has been closed. 

Sincerely 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 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

Complaint:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.

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 2022-07-10
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. (TX)

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2019-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (OH)

Complaint:
My complaint is about Navient. 

I am a resident physician who took out money for medical school. I am now a second-year resident so this is my second year paying on the loan. I have to be on an income-based repayment plan because my income ( ~ $ XXXX ) can not possibly make the payment on my > {$200000.00} student loan. As a result of being on the income-based repayment plan, Navient forces me to re-demonstrate my income every year to re-qualify. In order to accomplish this re-demonstration ( which is a useless exercise anyway because my income barely increases annually and that number is set years ahead of time for all residency programs and it is published online ), they sent a single non-descript email on XX/XX/2018. The email does not include any indication that it might contain such a re-authorization requirement. I have attached the email with my information redacted. In order to receive the contents of the email we are required to follow the link, login, and click on a pdf link that may or may not be the most recent message ; that is easy to overlook when you get 50 emails, this one contains nothing but a link, and there is no way to tell which message on the Navient website this email is connected to. BTW, I have four post-graduate college degrees and this is not straightforward. 

Of note, Navient does not include additional reminders. They do not include an email saying anything relevant at all. In fact, all Navient emails are essentially hidden until you conduct the separate login. Then, after that single email, they emailed me in XX/XX/XXXX to say that my payment would be increasing to {$2600.00} a month. Obviously, I can not afford that while I make {$50000.00} a year. They do give me the chance to fix the problem by going back on the income-based plan. I submitted all of the information to get back to the same income-based repayment program I was previously that is currently pending. 

However, despite staying on the same payment plan and having no lapses in my payments, Navient capitalized my interest. Apparently, that is their policy. If people do not re-authorize their loan in a pre-specified window of time, Navient capitalizes their interest. In my case, that capitalization was approximately {$6000.00}. So now I am getting compounded interest around 6 % on another {$6000.00}. In other words, I get to pay an extra {$30.00} a month for the duration of my loan. All because I missed a single non-descript email. 

I am wondering what the value of such a policy for the government that I borrowed money from? That is, why would Navient be allowed to steal a huge amount of money due to missing an arbitrary re-authorization date despite staying on the exact same repayment plan. It seems like a scam. We are basically borrowing money from our own government and Navient is being allowed to skim money off the top.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aspen National Financial, Inc. (CA)

Complaint:
Had previously filed a complaint against Aspen for their illegal third party reporting on my credit and they have removed the incorrect information ; however, my husband who was also on the fraudulent contract also still has a blemish on his credit report with XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
I have disputed an account from my credit report that is still there and per the laws incorrect and inaccurate info would be grounds for removal and this has not happened. Not only has it not happened I have never received my investigation results. One of the times I even sent out the mail via certified so I know they received my letters. I never received my first set of responses so the second set I mailed certified. I'm asking my XXXX  XXXX XXXX account I'm disputing to be deleted for it's inaccuracy and for the lack of response. 

I sent out the first set XX/XX/20 2nd set- XX/XX/20 3rd set XX/XX/20

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 2018-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


I demand the following accounts be verified or removed immediately. 

XXXX XX/XX/XXXX XXXX via XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, XX/XX/XXXX There is no reason for these inquiries to be on my report, I have not supplied my ssn for a job, neither a court judgment, no child support cases etc. I have credit monitoring through XXXX and it shows that my information was compromised on the dark web. I would appreciate your help in getting these unrecognized, unauthorized inquiries and fraudulent inquiries off of my 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 explanation
Consumer complaint received 2022-02-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

Complaint:
I sent letters to Equifax, XXXX XXXX  XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 38 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Complaint:
My name is XXXX XXXX and I am a federally protected consumer. I am filing this complaint against TRANSUNION for continuing to furnish unauthorized information to my consumer report. On XX/XX/XXXX I received a letter from XXXX XXXXXXXX stating that " On XX/XX/XXXX, we sent a request to the Consumer Reporting Agencies ( XXXX  ), asking them to remove the hard inquiries listed above. ( XX/XX/XXXX ; XX/XX/XXXX ) '' Furthermore, on XX/XX/XXXX, I received a letter from XXXX XXXX stating that they " have submitted electronic requests to have the inquiries, generated by the credit applications, deleted from your personal credit file. ( XX/XX/XXXX, XX/XX/XXXX ) Please allow up to XXXX days for the update to be reflected. '' I am aware Transunion has up to XXXX days to remove these inquiries but they are still inaccurately showing on my credit file as of XX/XX/XXXX, which is past XXXX days. DELETE THESE INQUIRIES IMMEDIATELY. Attached you will find letters confirming this information should be deleted by now.

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 2022-02-24
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. (OH)

Complaint:
I'm really upset after seeing my credit report and discovering these erroneous and unverifiable accounts, as I have no recollection of any of them. This issue must be resolved as soon as possible. Because you are blatantly ignoring me, I will not wait another 50 days for a response. Section 611 ( a ) expressly states that failure to investigate these things within 30 days is grounds for removing them from my credit report immediately. They should be erased as soon as possible because they have been 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
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. (FL)

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
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. (MN)

Complaint:
I submitted a dispute on XXXX XXXX with Transunion on XX/XX/2018 for a XXXX XXXX XXXX card that was opened fraudulently. I still have yet to receive my results or they have not finished their investigation and it's been 2 months.

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 2018-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SRA Associates, Inc. (NY)

Complaint:
SRA collection company location XXXXXXXX XXXX XXXXXXXX XXXX XXXX nj zip code XXXX phone is { XXXX } XXXX XXXX, my complaint is that there unlawfully pulling my credit report doing soft pulls and also calling my home phone XXXX XXXX around XXXX in the morning and also my cell phone XXXX XXXX too I told them that I don't owe any debt with this company and I have a common name, they also call me on private numbers by blocking there numbers, can you please tell these animals to leave me alone and stop harrrassing me and my kids asking for me when my XXXX year old picks up the phone, the company is trying to used muscule by imtimidating me by trying to sue, it this keeps up im going to sue them,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Complaint:
Someone trying to open a credit card with my name on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Complaint:
I am XXXX XXXX working as a XXXX/XXXX in which my business has been detrimentally effected by this pandemic. I applied for an economic injury disaster loan ( EIDL ) through the Small Business Association ( SBA ) on XX/XX/2020. I was approved for {$20000.00} on XX/XX/2020 and my chase account was funded on XX/XX/2020. Two days later, I tried to access my funds at a chase ATM and the transaction was declined. I was then given a receipt with a XXXX number to call. I tried to call in but unfortunately the wait time was over an hour. The next day, I decided to head down to the nearest Chase branch and speak with a Branch Manager. Assuming chase just wanted to verify my identity, I brought with me all supporting documentation, three forms of ID, SS Card, and my signed Loan Authorization and Agreement ( LA & L ) directly from the SBA. On XX/XX/2020, I spoke with Branch Manager XXXX XXXX and explained my situation to her. She verified 2 forms of ID and stated she would call the specialist/fraud department to see what was going on. Upon her return she stated that i would need to provide a EIN number or Article of Organization in order to access my funds. Why do I need this information if I'm an XXXX XXXX???? I then explained to her that since I structure XXXX XXXX as an XXXX XXXX by law I dont need that information to operate XXXX XXXX. I opened this personal account specifically for this loan plus accounting reasons and to fulfill all the necessary requirements and guidelines regarding this loan. Its not right that they are freezing this money solely because it was deposited in a personal account instead of a business account when the SBA clearly verified all my account information prior to disbursement of funds. Due to these poor business practices, I have no capitol to pay rent or feed my kids. I relied on this loan for many business needs/payroll to myself especially and this bank has crippled me from carrying out my day to day operations. Its totally unacceptable that they freeze my funds when SBA clearly approved me for the funds to be deposited into my personal checking account due to me being an XXXX   XXXX. This bank clearly needs to do more research on the laws and requirements surrounding independent contractors because we are not required to have EIN numbers or Business Accounts

Company response to consumer: Closed with explanation