hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-12-02
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: ERC (FL)

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 XXXXXXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Complaint:
I am disputing the inaccuracy that is reporting to your Credit Agency.

According to U.S.C 1602 ( i ) I gave XXXX XXXX XXXX my credit card to obtain money on credit, which is defined under 1602 ( f ) under a open end credit plan. You not only are reporting negative information without my consent, you are reporting late payments. I am aware that you are a creditor and that A creditor may not treat a payment on a credit card account under an open end consumer credit plan as LATE for any purpose, unless you have ensured that a periodic statement including information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. According to 1666 d Treatment of credit balances, I need for you to credit the amount of credit balance to my account, and refund any part of the amount of the remaining credit balance by check to the address listed on file with this complaint. Also Update the account beginning with XXXX to paid as agreed immediately. Please be aware that as a consumer I have rights and will exercise any and all remedies available to me.

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 2021-04-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
XX/XX/2020 I was forced to shut my business down due to the COVID 19 virus, XXXX XXXX ( XXXX XXXX ) was deemed nonessential by our county commissioners that made their own decisions by an order left vaguely open by Governor XXXX orders to determine whom was essential and nonessential employees or industries. 
I didnt want to fall behind on a couple of credit cards with large balances. One being XXXX. I contacted XXXX and asked if they are offering any assistance so my account does not fall behind. The women I spoke with was through a call center. For what I could understand is yes they are offering a lower payment scale and it will keep my account current as long as it is drafted out of my account automatically on a day that works for me over an 8 month period so I choose the XXXX, my original due date has always been the XXXX of every month. My original payment was {$140.00}, and as you pay the balance down the payment goes down. The representative and I discussed and agreed to split the payment in half ( {$70.00} ). As months went on and dozens of phone calls to XXXX, certified mail demanding they fix the missed payments that were in fact made on time and impossible to be late as it was auto drafted monthly. Dozens of disputes and calls to XXXX, Transunion, and XXXX and XXXX, Ive gotten nowhere. 
Ive sent copies of my payments and a 609 letter to all 3 bureaus including XXXX with fail. Please please help me fix this problem. Im trying to buy a house and with these frivolous missed payments its really hurting my payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
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. (DC)

Complaint:
After I submitted a dispute with Equifax, and they investigated, as is my right under FCRA rules, on XXXX XXXX, XXXX, I requested information on the investigation itself : Please see attached letter from me to Equifax for details. They ignored my request. So on XXXX XXXX, XXXX, I sent them a letter ( attached ), informing them of my intent to file a claim with the FTC. They ignored this letter also. I am now filing a claim with the CFPB, which has been designated by the FTC as the agency with which FCRA violations should be filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
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. (MI)

Complaint:
I checked my XXXX credit report and noticed there was 46 hard inquiries. I did contact XXXX and they advised me to reach out to the creditors for a letter of deletions. None of the inquiries did I authorize. I called several of the creditors and they explained that they get most of the information and authorization off line and my name, social security number and date of birth were used. So they did not grant any deletion letters. I wrote a few creditors and have yet to receive a response. I again contacted XXXX to open and do a through investigation because I believe some of my personal information was compromised. They are still refusing to do so and these 46 inquiries have really impacted my score. After speaking with 3 supervisors XXXX XXXX, XXXX. and XXXX my concerns have yet to be addressed. I feel as a consumer I should not have to go through all these loopholes when there has been so many breaches and so much compromising of personal information. I have add since added a fraud alert to my accounts and I also so monitoring of my accounts. XXXX need to come up with a consumer sufficient process when people have concerns about their report. I am truly dissatisfied with the lack of empathy that XXXX offer to their consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
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: SYNCHRONY FINANCIAL (CA)

Complaint:
I was born XX/XX/XXXX This account was opened XXXX by my Father who has the same name. 
I was only 5 at the time the account was opened. 
Its more than 9-10 years old ( the acct ) and is closed/has been.

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 2017-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MN)

Complaint:
This is several years old, but I saw there is action against Navient, so I thought I would share my complaint. I began repayments ( originally to XXXX XXXX and then Navient ) in XXXX after finished XXXX school. My original payment was {$340.00} on approximately {$60000.00} in loans. I always tried to pay extra, as the company was applying the bulk or all of my payment to interest. This ranged from payments of $ XXXX, depending on what I could afford. In XXXX, my payment moved up to {$390.00}. Again, still payments only going to interest for parts of the year. I paid this through XXXX, when I started paying $ XXXX/month ( not my actually payment due, but what I could afford to try to pay off faster ). In XXXX XXXX, I went back to XXXX school. I was working XXXX, so continued my payments ( or intended to ). At this time my " official '' payment was $ XXXX/month, but I had been paying {$500.00}. In XXXX, I received notice that my loans were in deferment. I immediately called the company, informing them I did not request deferment, and was able to continue to pay. I was in school but working XXXX. I spoke with multiple staff and managers, simply asking that my payments be reinstated to the {$400.00} I was paying. They refused, stating that because it went into deferment, my interest had capitalized, and they had to change my payment and repayment schedule. I repeatedly told them I had never requested the deferment and got nowhere. My payment was increased to {$450.00} per month, which I pay today. I did not take on additional loans for my second round of XXXX school. After 17 years of faithfully paying monthly what is now over {$80000.00}, I still owe {$35000.00} on loans that were originally {$60000.00} because of the way payments are applied so heavily to interest. I am XXXX years old with XXXX XXXX. I am the XXXX. If they are able to XXXX me over this way, I 'm sure others are getting it much worse. I will have the loans paid off the year my oldest child goes to college, and will have paid well over XXXX the original principle of the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc (CO)

Complaint:
My complaint is not part of any of the above categories. I hope my complaint will be considered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
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. (CA)

Complaint:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
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. (IL)

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit DEPT OF EDUCATION/XXXX  XXXX {$23000.00} XX/XX/XXXX DEPT OF EDUACTIONXXXX XXXX {$17000.00} XX/XX/XXXX XXXX XXXX {$0.00} 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 2023-08-03
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Complaint:
I have a mortgage reporting from XXXX XXXX  on Experian and XXXX. I have never had an account with them let a lone a mortgage. I have written to both bureaus and XXXX XXXX multiple times and have been unable to get any assistance. The account number for this account is # XXXX. Also my ex 's name keeps on appearing on my credit report under Experain. I have also asked for this name, XXXX XXXX XXXX, to be removed multiple times.

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 2020-09-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (IL)

Complaint:
This is the THIRD time i have had issues with this company. Back in XX/XX/2020 i set up a payment plan to pay off my debt. i told the rep to please take out {$85.00} every 2 weeks according to my pay dates. I was told the first time it would come out of my checking account and it never did. I called and confirmed the correct bank information and they confirmed that was what they had in their system as well. i am not sure why the money was never withdrawn. I called and set up the payment again and confirmed they can withdraw {$85.00} from my account every 2 weeks automatically. The bank information was viered and it was taken out 1 time. After that happened in the spring i submitted a complaint back in XXXX because the money was never taken out of my account. Even though i gave permisson to do so. I spoke to MS. XXXX who again confirmed with me that starting XX/XX/XXXX i would have money taken out of my account every 2 weeks starting XX/XX/2020. I later got a call from someone named XXXX i believe who asked if i wanted a payment to be set up. I told him the payment should have already been set up to take out {$85.00} every 2 weeks. IT WASNT SET UP! I confired with him the infomration AGAIN to have payment take out starting XXXX XXXX   and he ASSURED me that i would not have to repeatedly call back and it will be automatically taken out. That i would not have to worry and its been set up for payment every other week. Well now the ONLY PAYMENT THAT CAME OUT WAS ON XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
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: EQUIFAX, INC. (FL)

Complaint:
I'm not responsible for this accounts. I was victim of Identity Theft, a company stole my personal information, user names and passwords, they applied for many cards and loans, took money from some of my cards. i'm not responsible for this debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Atlantic Recovery Solutions LLC (NC)

Complaint:
Atlantic recovery solutions contacted me via phone on XX/XX/XXXX indicating they needed to speak to me or my legal counsel. I called them back same day and the man I spoke to was condescending, rude and was of no help. I then received a text from them on XXXX asking me to call a different phone number and provided a case # to reference. Again I called, the man didnt provide his name, took him 3 times to tell me the debt amount and then after several minutes of back and forth I agreed to a $ XXXX/month payment to stop the harassment and threat of legal action with the promise that they would email me all of the documentation that evening. I received no such email. After multiple emails and another phone call I finally receive an email with an attachment that has someone elses name and information on it! After receiving this email with someone in Floridas information I contacted my bank to cancel my card to stop this payment. This leaves a lot of anxiety about the security of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
This is a writter request to block information in my credit file that is fraudulent, my identity has been compromise in pass data breaches, I have account in my file that do not belong to me. 
Please block these account, I have follow the steps and filed an FTC complaint that is attach to this report. 
Thank you.

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 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

Complaint:
Rushmore Loan Management Services is discriminating against us as XXXX XXXX XXXX  and U.S. Veterans who previously had our loan transferred to them from XXXX XXXX  during a Loan Forebearance period which completed in XX/XX/2019. During XX/XX/2019, we were advised to send our Loan Modification Application paperwork in and received countless delays in them processing our loan, whereby, the Veterans Administration Home Loan dept had to get involved. We are now experiencing discrimination and retailiation from Rushmore Loan Management Services who utilized biased and discriminatory practices on whom they choose to report late payments on during the course of the Applicants Loan Modification Process. Rushmore chose to biasely report our payments late during the loan modification and 3-mth trial period because we are XXXX XXXX XXXX  and U.S. Veterans who opposed their illegal business practices utilized against us during our Forbearance period which was approved by XXXX XXXX  and was supposed to be honored by Rushmore Loan Management Services. We raised these concerns to CFPB and the Veterans Administration. Hence, their has been retaliatory treatment by Rushmore Loan Management Services who is currently negatively impacting our Credit scores across all 3 Bueraus by at least 50 points which is now negatively impacting us with obtaining a VA IRRL with various lenders. 

Rushmore is utilizing double-jeopoady tactics as well for investors to receive more monies with VA IRRL Loans, since they knew a customer would be negatively impacting, although they were being approved for a Loan Modification due to extenuating medical and financial circumstances we experienced when our daughter was hospitalized for 35 days including XXXX  for a XXXX XXXX  condition. They did not care about the customer in this instance, as much as they care about keeping Shareholders and Investors appeased due to pure GREED & Retaliatory Tactics applied in choosing to report against XXXX XXXX XXXX who experienced an extenuating family medical and financial emergency, as opposed to other XXXX   XXXX. This is discriminatory and they are still doing the same thing during this pandemic epic COVID-19 occurring today.

Company response to consumer: Closed with explanation