hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain information on my credit report based on my rights under the Fair Credit Reporting Act ( FCRA ). The specific sections I am referencing include : 15 USC 1681 Section 602 - This section establishes my right to privacy. The information being reported violates this right as it inaccurately represents my financial behaviors. 15 USC 1681 Section 604 - According to this section, a consumer reporting agency may not furnish a report without my written instruction. I have not provided such instruction for the items I am disputing. 15 USC 1666B - This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit report for any reason. The items I am disputing seem to violate this provision. The following items on my credit report are inaccurate and need to be addressed : XXXX XXXX XXXX - LAST 4 SS # XXXX XXXX XXXX XXXX LAST XXXX SS # XXXX  I ask that they be corrected on my credit report. If these items are verified, I request written documentation that confirms their accuracy. Thank you for your attention to this serious matter. I trust that the CFPB will ensure my rights under the FCRA are upheld and that this dispute will be handled with the urgency and seriousness it deserves

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 2022-05-26
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. (MD)

Complaint:
In accordance with the Fair Credit Reporting Act. The accounts below have violated my federally protected consumer rights to privacy and confidentiality. 

Bankruptcy case # 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 a account without my written instructions.

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 reason 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 2018-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (CO)

Complaint:
I just called the student loan provider because I noticed that I had forbearance on my account, he said oh that is just an administrative one because you are waiting to hear back about your IBR. I double checked to make sure that I was not being charged because I did not want to be in forbearance I just wanted to get into IBR.

He double checked with his supervisor and found out that I actually was being charged for one month of forbearance ( XXXX ) because I was behind on my payment before I applied for IBR. Which is a whole other story because they lost my application the first round inXX/XX/XXXX so when I reapplied in XX/XX/XXXX I hadnt paid the past month because on their website it said that my application was processing. When I talked to the servicer that time she just send oh just resend your paystub and I will get the application moving. Not saying a word to me about putting me into forbearance.

Now on XX/XX/XXXX I called to double check the progress of my IBR and when he cam back to the phone and let me know I was being charged I asked him if there was anything I could do because I had already had this conversation a month ago and thought it had been figured out and now I am being charge XXXX  to get to a IBR plan which was because I couldnt afford it in the first place.

He then let me know that while he definitely agrees what happened to be was wrong and how he believes me that my application was lost the first time that it was honestly an unwinnable case against the company because there is no documentation from the processing department saying they every received my first application so I would have nothing to show to say that I was wronged. He then added that it would only be XXXX  a payment in the future on my loans so is it really worth it? He also added that to continue moving my application along they were missing how often I get paid and the application would not have been able to move along had I not called. They also had never informed me of this or sent me any notification about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX CARD XXXX XXXX CARD XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Altisource Portfolio Solutions, S.à r.l. (FL)

Complaint:
Nationwide Credit INC. called to say if i paid of my debt within a certain time frame that XXXX XXXX would reinstate my credit card and that my credit would show an active account. They took my money and my credit report states my XXXX XXXX account was charged off negatively effecting my credit. They lied from the very XXXX time they called and now when i call they cant access my account and the managers are always on break.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
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. (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 : # 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 2019-10-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit (NY)

Complaint:
Volkswagen credit, month of XXXX, XXXX, XXXX I made a payment through a credit card without being informed that credit cards are not accepted which is unheard so throughout the whole time I assumed I was fine I paid everything on time besides XXXX I wish someone would of called me or told me that payment didnt go through or credit cards were not accepted I reached out the resolve the issue and nothing could be done even though I was not told or informed I never make late payments only once due to health problems in 2017 now my credit history is gon na be effected negatively because of them not informing me that credit cards werent able to be used

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (NC)

Complaint:
By my mid-late teens, I had pretty much grown out of my childhood, XXXX, or so I thought. Turns out I had just been avoiding my triggers. 
While on vacation my XXXX was triggered and my oxygen saturation depleted quickly. Quickly enough that I lost consciousness and those tending to me call XXXX and I was transported to the nearest hospital ; XXXX XXXX XXXX. At the time I had 2 forms of private health insurance. For reasons unknown XXXX XXXX refused to send a copy of the bill so I could forward it to my primary insurance. To this day Ive never seen this bill & have no clue what the charges were even for. 
The only explanation I received was We dont rebill. 
No matter the effort the representatives I spoke with were adamant that the insurance companies could not be involved. All of this occurred before my XXXX birthday & I had just established credit just for XXXX XXXX to send the bill to collections tarnishing my credit from the get-go.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
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: NAVY FEDERAL CREDIT UNION (MD)

Complaint:
My car loan stopped reporting in XXXX of XXXX after filing bankruptcy XXXX  XXXX. My bankruptcy was dismissed as of XX/XX/XXXX I have been contacting navy federal since the bankruptcy was dismissed to get my car loan back reporting since it was deleted from credit report. I have had 3 investigations open with the bank on why its not reporting only after being told its been reporting every month. Navy federal assured me on XX/XX/XXXX that my loan was submitted to the credit bureau for reporting I have contacted XXXX and XXXX every signed day since and they advised me once they receive an updated electronically they can see it right away and nothing has been reported to them today is now XX/XX/XXXX XXXX federal says it can take 30 days to show up once reported but the credit bureaus state differently that information is updated once received a d if it was sent electronically they should be able to see it now. This car loan not showing on my credit is damaging to me no one will take my car as a trade In because there is no history of the loan! I have 3 years of on time payments the car loan was open in XXXX of XXXX. The longer this does not report the more my car value will continue to go down and I will be more upside down in this loan. I have made every attempt to rectify this own my own and nothing has been resolved ive spent countless of hours on the phone with navy federal and I am receiving mixed information. I can never get a straight forward answer or resolution regarding this. I should not have to file an official complaint against a bank to have my loan and payment reported its my right to have my information reported correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NV)

Complaint:
On XX/XX/XXXX I placed a security freeze on my credit report due to some suspicious activity that I had seen on my credit report. I received my confirmation from Lexis Nexis confirming the freeze was in place. In XX/XX/XXXX I noticed some public records appearing on my credit and activity again on my credit report. I reached out the Bankruptcy court in regards to what information is released to the credit bureaus, and received a letter from The United State Bankruptcy court on XX/XX/XXXX confirming that the Bankruptcy Court does not report information to any credit bureaus. I disputed the public record ( Bankruptcy ) with the three credit bureaus but received a response saying valid due to the response from LexisNexis. I am filing a complaint due to inaccurate information being reported by NexisLexis for many reasons. With the freeze on my account, information was still being provided to third parties, and NexisLexis reported on my credit report bankruptcy information which is inaccurate and the Bankruptcy court confirmed this information as well is not and was not provided to the credit bureaus including Nexis Lexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
This complaint concerns Bank Of America and it's excessively punitive and zealous application of overdraft charges to my checking account. 

Today is XX/XX/2019. 

This incident occurred just six days ago. I have an account with XXXX XXXX XXXX. On or about XX/XX/2019, XXXX deleted {$29.00} from my account to pay for a coffee shipment they were supposed to ship to me the next week. For some reason that I can't account for, the very next day they turned around and credited my account for the exact same {$29.00}. I don't know why they did this. 

Anyway, since I now had {$29.00} more in my account than I had anticipated, I wrote a check to a friend for {$10.00}. This was on Sunday, XX/XX/XXXX. The next day, Monday, was XX/XX/XXXX, which was XXXX XXXX. All the banks were closed on that day. 

On Tuesday, XX/XX/XXXX, XXXX once again deleted {$29.00} from my account, leaving me with an overdraft of {$4.00}. Bank Of America charged me an overdraft charge of {$35.00} as soon as they possibly could.Then of course, since their overdraft charge left my account with even less money than it did before (!!! ), when another small charge of {$7.00} came along a day or two later, they decided to ding me yet again with another {$35.00}!!! This was {$70.00} in all!!! 

I called them up very quickly and told them I had a product return for {$47.00} coming in to my account in the next day or so, and would they please wait a day or two until the funds showed up in my account, but they refused to budge. 

Bank Of America has some extremely predatory practices of dinging their customers with overdraft charges as frequently and quickly as they possibly can. It is my understanding that banks all over this country are making trillions of dollars for themselves on overdraft charges on millions and millions of innocent Americans. Not millions or billions. Trillions. This ruthless and predatory practice has to stop.

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 2021-10-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

Complaint:
I recently checked my credit and discovered that this account had been reported. I did not receive notification that I even owed this debt. My rights were violated and I was not information according to statue 15 USC 1692g 809 ( b ) which states : ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 813 for failure to comply with a provision of this title ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Complaint:
XXXX, LCI, XXXX, XXXX, Transunion are reporting a XXXX XXXX Bankruptcy that is inaccurate. US Bankruptcy court has already verified that they do not report or verify public information. 

The bankruptcy that is reporting is inaccurate, unverifiable, and should not be on this credit report. A XXXX XXXX bankruptcy was not filed on XXXX. 

None of these companies have sent back any proof or verification. XXXX, XXXX, XXXX and LCI never even responded.

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 2023-05-31
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. (NY)

Complaint:
XXXX bad accounts appeared on my credit report after I paid off XXXX credit card bills and requested that they be deleted. They are not permitted to do this without my permission, especially considering that I paid the bills off. I sent a dispute letter to each of the XXXX banks, XXXX XXXX, XXXX XXXX, and XXXX XXXX, therefore XXXX should also have that. Now I am filing this complaint so that I can get a faster solution to this problem

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
In response to my complaint XXXX Transunion responded : '' We recently received a request that contained your information, but it didnt appear to have been communicated by you or a properly authorized third party. We take the privacy and security of your data very seriously, so we wont process requests unless they come directly from you or an authorized third party. If youre working with a third party such as a credit repair company or credit clinic, they have to identify themselves in their communication to us, and provide proof that youve authorized them to communicate with us on your behalf. '' Please note that I am not using any third party or " credit clinic '' services at this time ( although I do have the right to do so ). The complaint XXXX was initiated by me and I do not understand what made you think that " it didnt appear to have been communicated by you .. '' as I have not only provided my name, DOB and last 4 digits of SSN but also attached a copy of complaint to FTC XXXX 
Therefore, please investigate and delete disputed accounts : 1. XXXX XXXX Account # XXXX 2. XXXX XXXX Account XXXX 3. XXXX XXXX Account 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 2023-05-18
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Complaint:
Bank of America rep confirmed that 2 accounts were opened using my SSN and email address. Called back to ask for confirmation that these are closed. 2nd rep said there were no accounts on file. Uncooperative in resolving this issue and confirming that my SSN will not be used to open any bank accounts or other financial contracts with BOA. I am not a customer and have not been for almost 30 years. And never will be. screenshots of numerous emails I have received are attached. I have selected CREDIT CARD however, I suspect that this could other accounts that use online banking.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
I have a bankruptcy on my credit report that is a mixed file trans union refuses to do anything about it saying its a duplicate compliant

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 2021-12-15
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. (CT)

Complaint:
XXXX XXXX and XXXX XXXX XXXXXXXX are reporting me late, when Im not.

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 2022-11-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation (CA)

Complaint:
On XX/XX/2022, my final payment to Bridgecrest cleared my bank. I was immediately shut out of their online portal, so I can no longer see the status of my loan. Their customer service says it will be XXXX business days from the XXXX before they can verify that the payment was good and that nothing further is owed to either party. After that, they will issue a letter releasing their interest in the vehicle. In this day of instant electronic payments, how is this justifiable? I need to sell this vehicle soon, but cant even show prospective buyers that the vehicle is paid off via the website.

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