hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2019-05-28
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. (IL)

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. XXXX ( Original Creditor : XXXX XXXX ) XXXX and 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 2020-09-16
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. (VA)

Complaint:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2021-02-26
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA (NJ)

Complaint:
On XX/XX/XXXX I received a letter from Fedloan that my payment terms had changed and my payment was going to increase due to previous monthly payment amount not be sufficient to pay off your loans within the time period allotted. 
When I received this letter I knew immediately something was wrong AGAIN ( I have made prior complaints through CFPB and Dept of Education regarding Fedloan ). 

My payment terms should not be changing due to : 1. payments being suspended due to COVID. 
2. my payment should not be increasing due to the 0 % interest rate since XX/XX/XXXX. 

0 % interest rate saves money overall, even though my payment won't be lower. The full amount of my payment should be applied to the principle balance of the loan. I was up to date with my payments prior to the payment suspension period began, interest accrued prior to XX/XX/XXXX, will not capitalize. Therefore no outstanding interest will be added to my principle balance when payment suspension ends. 

Despite not having to pay my loan I have continued to make payments : {$1100.00} on XX/XX/XXXX {$1100.00} on XX/XX/XXXX {$1100.00} on XX/XX/XXXX {$1100.00} on XX/XX/XXXX {$1100.00} on XX/XX/XXXX Repayment terms : XXXX XX/XX/XXXX Repayment amount {$28000.00} - 90 months {$310.00} 1 month {$310.00} Repayment amount {$78000.00} 90 months XXXX 1 month XXXX Total : {$1100.00} New repayment terms XXXX ( this date is incorrect it should be XX/XX/XXXX ) Repayment amount {$25000.00} 76 months XXXX 1 month XXXX Repayment {$69000.00} 76 months XXXX 1 month XXXX Total : {$1200.00} I should not have to pay more I should actually being pay less especially since I have resumed my payments. 
first loan amount is reduced by {$3300.00} ( $ XXXX now {$25000.00} ) second loan amount is reduced by {$8900.00} ( $ XXXX now {$69000.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (SC)

Complaint:
On  XXXX / XXXX / XXXX , I received a summ ons from my county fr om  XXXX   XXXX   XXXX ,  XXXX  that was filed against me to repay a loan for the amount of {$140000.00}. The loan was obtained and opened using my identity, without my knowledge or permission, on  XXXX / XXXX / XXXX . A  Wells Fargo  business checking and savings account was opened in California using my identity, without my knowledge or permission, utilizing fraudulent practices that intentionally overlooked the fact that I reside in South Carolina and had been a signer on another account for more than 20 years. Even though my identity was used to open  the Wells Fargo account s, my authority to be a signer was thus removed so that I would not be able to withdraw any funds. The aforementioned loan company disbursed the proceeds, by wire, into  the Wells Fargo  business checking account on  XXXX / XXXX / XXXX . Within 3 days, without imposing reasonable security restrictio ns, Wells Fargo 's team member ( s ) allowed more than {$98000.00} to be withdrawn. {$94000.00} was withdrawn in cash and more than {$3000.00} was taken through POS transactions. The cash withdrawals were allowed to be made within hours of each other. However, I am not sure if they were done at the same site or by the same Wells Fargo 's team member. I was invited into mediation with Wells Fargo and a third party mediator from   XXXX  on  XXXX / XXXX / XXXX . The mediation session ended with the mediator suggesting what he thought to be a fair monetary com pensation proposal. At that time, the amount was n't disclosed to me and I was informed that the Wells Fargo representative did n't have the clearance to give me the suggested amount, but another mediation session would be scheduled for the next week once clearance was given to conclude the matter. I requested to continue with the same mediator and in good faith agreed to continue a week later. I was contacted by another Wells Fargo representative two weeks later, told that no monetary offer was made, and no explanation was given of why the second promised mediation  session did n't take place.

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 2022-05-02
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: Experian Information Solutions Inc. (TN)

Complaint:
In accordance with the Fair Credit Reporting Act. XXXX Account has violated my rights. 
XXXX THIS XXXX XXXX XXXX REMOVE ALL LATES XXXX XXXX INQUIRY XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX 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 2020-09-29
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. (NC)

Complaint:
I recently reviewed my Equifax report to see that I have suffered a 220 point decrease in score because the following accounts have been removed from my credit report due to missing addresses and incorrect information being listed on the account. 

MAJR FINANCIAL CORPORATION - Revolving Account XXXX/LOCAL GOVERNMENT - Revolving Account XXXX  - Revolving Account XXXX  - Installment Loan The following addresses are listed on my report but DO NOT have any personal linkage to my credit history and any of the missing accounts as listed above, these addresses should be removed promptly. 


XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX The ONLY two addresses that are tied to my hard work and diligence of on-time payment history and excellent reporting of positive credit behaviors which are indeed tied to the credit accounts listed above are : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX This radical change is due to a recent discovery and result of report inaccuracies on my behalf which I have effectively disputed through the proper channels directly with each bureau for accuracy, but nothing has been done on my behalf to remedy this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (PA)

Complaint:
On Friday, XX/XX/XXXX XXXX XXXX dollars were withdrawn out of my savings ( {$6000.00} ) and checking ( {$1000.00} ) accounts on PNC bank. I am left with only about {$200.00} dollars left on my account and after taking to a representative for about 2h on XX/XX/XXXX ( could not get in touch with the bank during the night on the XXXX ), no solution was posed on a near future. I am left with {$200.00} for the foreseeable future, considering everyday bills, food, etc. This is the second time something like this happens with PNC this year- last time was in XXXX, when I got a call and had to close my old account and open a new one, with a new credit card and etc. Fortunately they were able to prevent any money being taken out in XXXX, but not this time. The bank is supposed to be a safe place to store your money, how is it possible that a random person goes into a PNC branch and cleans out someones account and the bank representative did not even know where it had happened? How is it possible that I am left with no solution, no money and no empathy, even when I took all of the steps asked in XXXX to prevent this from happening again?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-15
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

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 XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX 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 2020-06-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MI)

Complaint:
Interest rates on variable interest private loans has not dropped with he federal reserve cuts. Rates were almost immediately hiked when they were adjusted up. I have emailed Navient with this concern Navient Student Loans Loans are Owned by Navient Values range from 3000 to 12000 dollars ( 6 loans total all private ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
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: EQUIFAX, INC. (FL)

Complaint:
XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX  XXXX RE : UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern : I recently discovered that your company ran an unauthorized report on me on XX/XX/XXXX. I did not authorize such an inquiry and demand that you contact XXXX XXXX immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report hence invaded my right to privacy and may subject to a fine. 

If you have any questions, please contact me at the address listed below. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
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. (CT)

Complaint:
Member ID XXXX Experian this company XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15usc 1681 Section 602 8 state I have the right to privacy 15 usc 1681 section 604 a Section 2. Reporting agency can not furnish my account with out 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 2018-06-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

Complaint:
This is a follow up complaint from original complaint # XXXX which, in a nutshell, was a complaint for an unpaid {$200.00} welcome bonus ( incentive ) offer. I have received the {$200.00} but the complaint now is that it was 3 weeks late ( the agreement stated it would be paid within 45 days of meeting all the requirements and those were met on XX/XX/XXXX so 45 days from that is XX/XX/XXXX but I didn't get paid the {$200.00} until XX/XX/XXXX ). 

The other part of the complaint is that Wells Fargo sent me a letter on XX/XX/XXXX ( 1 week  after I already got the {$200.00} ), wrongly stating that I did NOT meet the requirements. Even after giving me the {$200.00}, they are STILL giving me wrong information. Here is what they are stating in that letter : " Please understand that the eligibility requirements are reviewed based upon a 30 day interval or by calendar month. '' This is wrong because nowhere in the agreement I signed does it state that. What was stated was " per month '', meaning any consecutive 28 day period, or periods such as XX/XX/XXXX to XX/XX/XXXX, or XX/XX/XXXX to XX/XX/XXXX .... Wells Fargo is STILL trying the change the semantics of the agreement to meet their needs but what is legally binding is the actual wording. 

So Wells Fargo breached their contract by not paying me on time and I am complaining about that. They should NOT be allowed to do this. They did not offer me any compensation as I requested. I do not trust this bank. I suspect they are doing this same thing to many other customers. If it wasn't for the fact that I was so persistent in getting the {$200.00}, they likely would have NEVER paid me. Even on the day I got paid ( XX/XX/XXXX ), I asked them why they didn't just deposit it into my account. They told me they were waiting for me to show up at the branch office. This tells me had I not shown up in person at the branch office, they likely would NOT have paid me. Again, this is all proof of a bank that is manipulating customers in a way to not pay them incentive money. This is shady business and needs to be stopped!

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 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Complaint:
My identity has been compromised cc where open without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (NJ)

Complaint:
I have a medical debt from my new born child from XXXX XXXX XXXX ( XXXX ) when she was born on XXXX XXXX 2015. I was covered under my father 's health coverage but my daughter was not when she arrived. I applied for her health coverage under the affordable care act ( ACA ) under the state of New Jersey on XXXX XXXX of 2015 and received a confirmation number but as of this day I still do n't have medical coverage for my daughter. 
I contacted XXXX XXXX who is my daughter 's primary doctor of the fact and could they put me on a payment plan until coverage begins, they verbally said they could and was also informed that her initial debt from the hospital would get paid when her coverage began. Contrary to what I was told by their office staff, it went to IC System collections. Regarding getting coverage in my state, I received a confirmation number when initially applying and have been following up regularly and had to submit pay statements from my part time employment for the process to go further. Like I said in the aforementioned, my daughter is still not covered medically and I just received a rejection letter regarding my daughters application due to the person processing her application did n't see an address for my place of employment. 
I think this wait for her coverage is way beyond what was envisioned when the XXXX was instituted. I just wanted to bring awareness to other federal and state agencies and know of the dilemma I am encountering and the inefficient processing of my over 6 months old application. I am hoping this complaint, can also inform future care givers of the problems faced with applying for medical coverage within each state and navigating the bureaucratic maze. I am not ruling out seeking the counsel of a lawyer to address the enrollment delay and collection tactics. I question the legality of collection tactics while XXXX applications are still being processed. Thanks for looking into my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Product: Credit reporting 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. (NJ)

Complaint:
I DO NOT RECOGNIZE ANY OF THESE ACCOUNTS XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX 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 2022-10-29
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. (PA)

Complaint:
I obtained a copy of my consumer report and saw accounts on it that were not authorized by me. I contact all three major reporting agencies informing them that they were in violation of federal law. There are numerous violations of the federal law, the FCRA. Pursuant to 15 USC 1681 ( a ) ( 1 ), congress made clear findings that my consumer report must be fair and accurate to me, the consumer. The reporting agencies have assumed the vital role in assembling and evaluating consumer credit, on their own. By law, pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies have grave responsibilities of fairness, impartiality and respect the consumers ' right to privacy. My right to privacy has been infringed upon, and I have never given up my right to privacy, nor did I authorize them to report any information on my consumer report. The erroneous and fraudulent reporting on the reporting agencies ' part has caused me financial harm and adverse action against me. I have never given Experian, XXXX or XXXX consent to report any accounts on my consumer file, making this aggravated Identity Theft. All three agencies are also guilty of conspiring with these companies to violate my federally protected rights. Pursuant to 15 USC 1681 ( c ) ( a ), information excluded from consumer reports ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) any other adverse information. Any harmful, inaccurate account furnished to my consumer report is an adverse action. 
After I sent certified letters to the reporting agencies, they responded saying these accounts were verified. This I know to be not true pursuant to 15 USC 1681a ( e ), there must be an investigative report with the source of the report coming from interviews of family and friends. I do allege there is no such verification exists.

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