hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
The following address, names ect must be removed from credit report as the are incorrect. 


DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' ( correct address is " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' ( remove the XXXX XXXX XXXX  ) DELETE : " XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( correct address is " XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' ( Add a " XXXX '' ) ) DELETE : " XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' ( was my XXXX. no longer own, not residence ) DELETE : " XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' ( My mother and fathers old house not mine ) DELETE : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' ( NEVER LIVED THERE ) DELETE : XX/XX/XXXX ( XXXX ) NOT MY XXXX DELETE : XXXX XXXX XXXX, " XXXX '' IS MY MIDDLE XXXX NOT 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 2019-09-28
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. (NC)

Complaint:
Looking to apply for credit and found a number of inquiries that I did not make or give permission.

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 2019-12-11
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: EQUIFAX, INC. (CA)

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (WI)

Complaint:
Hi, It is my understanding that a debt collector must furnish a letter within XXXX  days of contacting you. According to the Fair Debt Collection Practices Act ( FDCPA ), within XXXX days of initially contacting you, a debt collector must send you a written debt validation letter that contains the following information : The amount of the debt ; The name of the creditor to whom the debt is owed ; and A statement that unless you dispute the validity of the debt within XXXX  days after receiving the notice, the debt collector will assume that the debt is valid. Midland Credit started contacting me on XX/XX/XXXX. However, I have never received a five-day letter detailing why. This is a violation of the FDCPA. As you can see, from the attachment, they contacted me at least XXXX  times after the initial contact. I am retired and living on Social Security as my sole source of income.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Complaint:
I am submitting this Complaint regarding the fraudulent accounts and information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report that I need you removed as soon as possible ; XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$4900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX. I have read that under the Fair Credit Reporting Act section 605b, you are required to remove any accounts and information you report on my Credit File, so please comply with the Federal Law and have the disputed items removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
XXXX and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account with a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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 2018-06-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

Complaint:
I have made numerous attempts to repay my loans to Navient without success. Navient representatives have advised inconsistent and/or inaccurate information to me regarding forbearances and lower monthly repayment options. In XX/XX/XXXX, I was advised that monthly payments would be around $ 810/month and that I would not be eligible for forbearance. In XX/XX/XXXX, I was advised that I had forbearance options and that they were available for use at the rate of {$100.00} per loan ; I was advised that I would pay {$200.00} to use 3 months of forbearance and no other repayment option was available. In XX/XX/XXXX, I was advised that I have a repayment option that is interest only, payments for 6 months being $ XXXX/month- nothing going towards the principal and increasing the life of the loan. No other repayment option available. I was advised that should my account go into default, that more repayment options would become available. I was advised that I had forbearance time left and that it would be {$100.00} total to utilize this. I utilized the forbearance option and told the representative that the last agent advised it was {$200.00}. The new representative advised that the previous agent was wrong and should not have charged {$200.00} for my forbearance privileges. This sheds light on misallocated funds and leads most to question what they're doing with consumer 's repayments. Payments are currently at {$850.00} and I have no means to pay them currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
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: EQUIFAX, INC. (AL)

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX and 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 my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: N.A.R., Inc. (UT)

Complaint:
In XXXX XXXX I rented an apartment with XXXX XXXX XXXX owned by XXXX XXXX for 1 year contract to end in XXXX XXXX. In XXXX I gave the first notice so i can move out on XXXX XXXX and the manager at XXXX said the notice it is less than 30 days, so i had to stay one more month. In XXXX I put another notice in the drop box at the XXXX XXXX office, and i moved out in XXXX. Few months later i called them to claim my deposit and was told they could not find my notice. I then went there to follow up and the manager repeated the same thing saying my notice could not be found, few seconds later, after she took time look again, she said she remembered seeing before but it was a late notice, and so she could not refund any deposit, they would keep it until I pay one more month or she would deduct that from the one month rent that was due. I told her that was not right, she could charge me because my notice could not be found, and left. Months later i started getting bills after bills urging to pay otherwise it would be sent to collection. A month ago I went to visit a banker and was told I have a debt collection on my credit report. So i tried to contact XXXX and was told that it was Updated, it could not deleted, that I still have that to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
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. (NH)

Complaint:
credit report from XXXX, XXXX, and Experian/FAIR all report that I have serious delinquency Too many accounts open Too many inquiries last 12 months proportion of loan balances to loan amount is too high what are the serious delinquencies? 
loan balances are too high? no loans other than my school loan and mortgage How do I close my accounts without being penalized by credit reports

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 2022-11-13
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (CA)

Complaint:
I have been in constant communication with Navient agents regarding my loan status. The lost time I spoke with an agent, and the information provided was that all student loans had been placed in forbearance status until XX/XX/XXXX. Per the office of the President of the US. And so, during this loan collection forbearance period, I was working towards consolidating my loans. However, last week I received a notice from the credit bureaus informing me that Navient reported my loans as delinquent thereby dropping my XXXX XXXX from XXXX to the low XXXX. Needless to say, I immediately went into shock. 
After I recovered, on XX/XX/XXXX I called Navient and spoke with an agent, I explained the reason for the call, explained I was misinformed by Navient, and demanded that the report credit report be rescinded immediately. He was unable or unwilling to assist, thus I am reaching out to CFPB for support and assistance in order to resolve this issue. 
Thank you : XXXX XXXX, I can also be reached via Text : XXXX I

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
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. (PA)

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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX  XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX Account name : 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 explanation
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

Complaint:
Pennymac Loans # XXXX is reporting a late in XX/XX/20 that I should not have. This late was a fault of XXXX XXXX as I kept trying to call and make the payment by phone and by doing it online, but they kept giving me the run around because their website was not working. This is not my fault and I shouldn't have a late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

Complaint:
On XXXX a XXXX tenant 's rent check for {$790.00} was put into JP Morgan Chase ATM at XXXX XXXX XXXX XXXX XXXX  branch. Machine asked for amount to be entered, I entered {$790.00} and got a receipt saying {$790.00} to be credited next business day. Same evening I got a email/secure message from bank saying " {$90.00} ATM error correction '' .. Called XXXX number listed in the message and lady on the line ensured me the full amount will be processed and deposited. Next morning on XXXX I logged into Chase account and saw {$90.00} withdrawn and {$790.00} check entered as two checks- one for {$700.00} plus second for {$90.00} without a check image ( there was no second check ). Called number again, was transferred several times, spend 2+ hours on calls including 1 hour 29 minutes hold on one of the calls. Was told that tenant needs to send me another check, that check will be send back to issuer etc. Decided to go to the branch then - team there was very forward but couldn't help saying claims have to fix that. Even though I had a copy of check receipt from the tenant and ATM receipt in my hand they still had to work with same claims team, which overwhelmingly was saying " machine read it as {$700.00} and that's it ''. No input about having a clear XXXX copy of a check or the clerk actually able to see the number on the check image correctly - nothing resolve the problem. Claims team refused to own the problem and told me they can send it back within 10 business days and I can deal with it. Went to the branch second time and branch XXXX saw how slow and unhelpful claims team is but didn't have options to enforce their cooperation or make them helpful. Issue is still pending and not resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (IL)

Complaint:
On XXXX, a visit was made to the XXXX XXXX XXXX XXXX in XXXX XXXX, Illinois. The physician apparently was employed by XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX submitted a bill for {$90.00}, which was paid on XX/XX/XXXX. XXXX XXXX XXXX is no longer in business, although the Internet still shows a XXXX XXXX location at XXXX XXXX XXXX. There was never a bill received from XXXX XXXX XXXX. On XX/XX/XXXX, a bill was received from Phoenix Financial Services on behalf of XXXX XXXX XXXX for {$90.00}. The bill was paid for {$45.00}, which was the amount demanded by Phoenix.  Upon further checking, it was discovered that that the original bill had been paid as noted above. Upon contacting Phoenix, they disclaimed all responsibility for the effort of XXXX XXXX XXXX to collect money from the individual for a bill that had already been paid to another party that XXXX XXXX XXXX was unable to collect from. Phoenix then sent a notice ( exhibit 5 ), disclaiming all responsibility for their actions and referring the individual to XXXX XXXX XXXX, even though Phoenix had improperly collected a debt and acted as an agent of XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (CA)

Complaint:
The original loan was with Credit Acceptance and the amount was for {$11000.00}. The loan is now at {$22000.00} which is 50 % interest rate. The car was a lemon and told them we wanted to do a voluntary repossession. They never came to get it. They then sold the account to XXXX XXXX XXXX XXXX. They took us to court and won the judgement and a lien was put on our bank account and then emptied. Credit Acceptance is still reporting on my husbands and my credit reports when they sold the account. The original loan was opened XX/XX/XXXX. The judgement that XXXX XXXX received against us was XX/XX/XXXX. I want credit acceptance to be removed from our credit reports as the account holder. They just dropped our scores over XXXX points because they reported it as 180 days late, which was years ago, and added another {$100.00} to the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update the following accounts completely from my credit reportsXXXX 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 2020-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Complaint:
I received an email on Monday, XX/XX/2020 at XXXX XXXX  that I had been declined for a credit card with CapitalOne. I immediately contacted CapitalOne and notified them of a fraudulent application in my name. After answering questions CapitalOne was convinced that fraud had taken place. I was advised and assured that I would be receiving a letter and that the three credit bureaus would be notified. Nothing has happened and I want to be assured that my score is not harmed as a result of this fraud. 

Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-26
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: First Associates Loan Servicing LLC (MI)

Complaint:
When attending XXXX I did not know the high interest rates from my private loans. The payments are too high and hard to afford. Current interest rates are 10.25 %. I am submitting this complaint from attending XXXX from XXXX. When attending XXXX we were not told about the interest rates and pressured into the loans. Below is the amount owed to First Associates Loan Servicing, XXXX {$6200.00} $ XXXX is the contact info for First AssociatesPhone : XXXX : XXXX XXXX XXXX XXXX, CA XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation