hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-07-26
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: Experian Information Solutions Inc. (GA)

Complaint:
On XX/XX/2022 I submitted a dispute and a complaint with the CFPB about The 3 Consumer reporting agencies XXXX and XXXX and Experian are reporting and furnIshing inaccurate Information on my Consumer report. All 3 are reporting inaccurate and different information FRCA States all Information Reporting Must be Accurate in 4 days from todays date which is XX/XX/2022 it will be almost 60 days since I submitted my dispute and complaint with the CFPB to all three consumer reporting agencies only XXXX has responded since XX/XX/2022 which is XXXX and XXXX in the qualified time Frame. Now I have not heard a not one response from ( Experian ) at all whatsoever though i understand that each consumer reporting agency does not communicate with each other I do not see why it is taking so long for them to produce results to this inaccurate information i that i found from Experian when i placed the same dispute and complaint with XXXX and XXXX at the same time. 

I WANT TO KNOW WHAT IS THE VALIDATION VERIFICATION METHOD USED TO VALIDATE THIS INFORMATION __________________________________________________________________________________________________________________________________________ ENCLOSED BELOW IS PROOF OF EACH INACCURATE ACCOUNT IN PDF FORM EVERYTHING THAT I HIGHLIGHTED IN XXXX IS INCORRECT AND INACCURATE AND BY LAW MUST BE REMOVED!!!

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 2017-07-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (GA)

Complaint:
Good afternoon, My name is XXXX XXXX XXXX and I am writing to request your assistance with a fraudulent charge that occurred in a Rooms to Go store in Texas. <P/>To start, I have never visited Texas and I am currently stationed in Georgia. Below is the information regarding the transaction. The Transaction was for {$340.00} and {$40.00} have accumulated in late fees. <P/><P/>Before the transaction, my account had no balance because I had already paid off my balance in XXXX 2017. Although the transaction occurred in XXXX XXXX 2017, a statement was not executed until XXXX. It is unclear how the transaction was authorized because I have the card and I have my state IDs with me. I have not authorized users on this account, and I have not lost my wallet. <P/><P/>I have contacted the store in XXXX to no avail. I explained to the Sales Rep ( over the phone ) XXXX XXXX XXXX that I am set to deploy at the end of this month and needed more information about the purchase. She explained she needed me to fax information or to visit a local store. <P/>Moreover, I have contacted Synchrony bank and reported the fraudulent transaction. Unfortunately, the investigation will take up to 60 days. I am set to deploy at the end of this month and may not have the ability to track this issue. The charges are still showing on my account including the late fees. <P/>Finally, I have contacted Rooms to Go and explained the matter.
<P/><P/>Thank you in advance for your time. <P/>INFORMATION ABOUT THE TRANSACTION : XXXX ROOMS TO GO XXXX XXXXXXXX XXXX TX ( XXXX XXXX, 2017 ).

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 monetary relief
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

Complaint:
My first letters to the credit bureaus regarding this account were in XX/XX/2022 and I have sent out letters each month since. This account is fraudulent and has been in dispute since I first seen it around labor day last year but according to the credit bureaus they have it listed as not in dispute and remains unverified in the last several months. How is this possible if I have sent repeated letters to each bureau disputing this as well as letter to the alleged creditor. These are all violations of my rights under Title 15USC1681 and I demand that CFPB investigate this. Each bureau had 30 days to verify the account and not only did they send me letters stating it was verified but yet on their own report it states that there has been no verification and it is not in dispute. I have copied the XXXX, FTC and the Attorney General for Florida.

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 2021-11-25
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. (OH)

Complaint:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CNG HOLDINGS INC (GA)

Complaint:
I just received an email last week and updated, or thought was an update on a account that said a payment didnt go through, okay I was thinking what the heck. I pay my bill every week! I answered that email with the payment issue that I was thinking what in the heck are you even talking about. I thought it was fixed then get another email today saying their was a problem with my account. Once again what in the world are you talking about. Well the guy says I have {$180.00} in return fees. Okay, wait a minute WHAT? I come to find out the card you are all running is a card that had to be reissued by the bank due to a fraudulent charge back at the XX/XX/XXXX. Okay, I was told I had been called about it. Well I personally didnt get any phone calls as its hard for me to answer my phone, so no voicemails either. The next form of communication is mail not email, but mail for which I never received anything and I responded to both emails. Thinking everything was still right. You all charged me {$180.00} in chargeback fees for a card that wasnt even working, because fraudulent behavior on the account. I never noticed it not coming out because I have quiet a few transactions. I asked about this chargeback fees and said do you take my payments out on a Friday he said yes and I said there is no way thats when my husband gets paid and their is ALWAYS money in the bank even if not on a Friday. Mail, you couldnt have sent me something by mail, for which you did not. {$180.00} in fees on a card that was no longer working. You could have sent me a piece of mail yeah never did and I responded to the two emails. I paid my {$160.00} odd dollars to catch up and also that {$180.00} fee. You did them offer me pay out at {$500.00} the actual merchandise was barely {$250.00} not counting what you had already collected with the right account information and I also put money down. This is shady, very shady! I dont have a choice but to warn others, even the XXXX. I cant notify you if I dont know whats going on. No mail and two emails I did answer. UNACCEPTABLE, because I do not run my finances like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2020-07-02
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: Experian Information Solutions Inc. (KS)

Complaint:
I have inquiries on my credit report that I believe to be unverified and not valid. I have reached to all three credit bureaus ; XXXX XXXX, Experian, XXXX via letter mail with detailed information of the inquiries in question and have informed them of my issue and requested that they either provide me with proof and validation of these inquiries or remove them from my credit report immediately. Two of the three bureaus responded with copies of my credit reports and letters stating that they would investigate further. I have not heard back from XXXX. After allowing the bureaus 30 days to respond and complete their investigation, they reply with statements saying that the inquires in question can not be found or that the investigation has been complete and send more updated copies of my credit report. The credit reports clearly indicate the same inquiries I am disputing and they remain unverified on my credit. This is an ongoing issue between me and the credit bureaus since early XXXX of this year. They are not providing me with the appropriate information and have not removed any of the unverified inquiries from my credit report, resulting in a present negative impact on my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (FL)

Complaint:
The company responded to the case that I had filed with CPFB and they provided false information. I did not accept all fraud charges as valid and only charges that were mine were valid. This is not done and I want them to actually help me solve this issue that has been going for a year and they have not resolved it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (FL)

Complaint:
Loan Origination/Information Date ( s ) 1 ) XX/XX/XXXX for {$24000.00} with an interest rate of $ 13.5 % over 180 months. 
Balance is now {$41000.00} XXXX ) XX/XX/XXXX for {$25000.00} with an interest rate of 11.375 % over 180 months, Balance is now {$36000.00} I'm still in school ( had XXXX XXXX in XXXX causing me to miss quite some time ), and had no idea they began charging interest immediately. My major is XXXX as a XXXX XXXX, and I'm taking one class, and am a XXXX XXXX currently. I will be a XXXX XXXX for the XXXX XXXX to complete my education. My grandmother is the co-signer of the loan. She is XXXX, in poor health and on a fixed income, and is XXXX XXXX XXXX  When She calls in, she can never get through the verification process, and Sallie Mae will not help me unless they speak with her ( she's in Tennessee, I'm in Maryland ). I CANT AFFORD this much money for ONE YEAR of college, and I have requested several deferments but get declined. They are reporting me as delinquent to the credit bureau ( went from a XXXX to XXXX in one night ) -- they are ruining me financially. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pressler & Pressler, LLP (NY)

Complaint:
when I was unemployed I made my payment and it was fully paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Complaint:
I bought a New Product called XXXX through XXXX XXXX. This was back in or around XXXX XXXX  2022. I immediately Reported to my Bank when I realized I had not Received the amount of dollar value I purchased. The points are there in XXXX, but the dollar amount is not there. I bought {$1100.00} worth of Merchandise Points and my Merchandise Points Value is only worth $ XXXX {$500.00} in XXXX XXXX. My Banking Company USAA is not fixing the Problem. This is after at least one employee understands the Situation and says I am Correct in asking for USAA and, or XXXX XXXX to Refund my money and Refund my Purchase. Now almost a year later and after trying to make 4 Disputes with USAA one Dispute after another Dispute. Nothing has been Resolved.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX account # XXXX, has violated my rights. 

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

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

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2019-06-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (PA)

Complaint:
I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed.

n addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately. Per Federal Guidelines in 603B letter when ever there is fraud on your credit report is shall be removed with in 4 business day.

Please send a letter stating that these issue has been resolved to : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Complaint:
Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. 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 XX/XX/XXXX {$65.00} XXXX XXXX XX/XX/XXXX {$1000.00} XXXX  XXXX XX/XX/XXXX {$570.00} XXXX XXXX XXXX XX/XX/XXXX {$230.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$140.00} XXXX  XXXX XX/XX/XXXX {$38.00} 15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CT)

Complaint:
Taking out student loans with XXXX was the worst decision my XXXX self ever made. Then when Navient it bought it things got worse. My payments are not affordable and they will do nothing to help. They sold XXXX out of XXXX to another company which I found out was because they put me in default. I have over {$80000.00} to pay back and I have only been paying interest which is so incredibly stressful considering I will never get ahead. Something needs to give. Not to even mention the handful of calls I receive every day on ever phone number including my work. They served me once with a court document from XXXX of the companies they sold a loan to and never told me about it! It 's out of control. I can only hope something will be done to stop them from holding me captive and start to work with me. If I could select ever option below about what 'best describes my issue ' I would select them all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
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:
Wrong personal information on my credit file. I have followed all protocol to get this matter resolved. Remove the incorrect names off my credit file. I have send in documents to this bureau several times and the incorrect name is still on my credit file. This is fraudulent activity. Misspellings and wrong last name on my profile

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 2022-02-06
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. (NC)

Complaint:
I have recently reviewed my credit report and found a duplicate account that does not belong to me. I have reached out to the company via letter already to have the issue investigated and delete and I have to received a response. This information is damaging my financial profile. There is another account on my credit report that does belong to me but the account has been paid off. Please help me remove this duplicate account asap so that i can fulfill my financial obligations in a timely fashion. None of the dates are adding up at. I was advised by a financial lawyer that i have a right to an accurate credit report. I have attached a copy of my letter as well as the duplicate account in question. 


Date Opened : XX/XX/2016 Account number : XXXX Account Status : Derogatory Thanks

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