hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-08-02
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. (CA)

Complaint:
This is XXXX XXXX, and I am submitting this complaint to inform the Credt Bureaus that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The XXXX, and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i and 605b, and continues to report unverified information without providing any proof required by law. The Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Complaint:
I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Complaint:
As per the Fair Debt Collection Practices Act ( FDCPA ), codified under U.S. Code 1692 et seq., I have identified several inaccuracies in the collection account. The inaccuracies include incorrect dates, amounts, and other details that are not reflective of my actual financial history. These inaccuracies have had severe repercussions on my credit score and have prevented me from obtaining financing and pursuing my entrepreneurial aspirations.

Furthermore, the Fair Credit Reporting Act ( FCRA ), codified under U.S. Code 1681 et seq., requires that information reported by credit agencies, including collection accounts, be accurate and verifiable. The inaccurate collection account has violated my rights under FCRA, causing significant harm to my creditworthiness and financial prospects.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Complaint:
I contacted XXXX on XX/XX/XXXX to discuss a late payment showing on my account from XX/XX/XXXX. I was informed that there was no information showing it was late. I requested the 30 day late to be removed by XXXX and Bureaus and it is still showing

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 2023-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Complaint:
I strongly believe Navient may be using a tactic misrepresenting my student loan balance for more gains. I believe that this tactic is not legal and/or at least raises a RED flag for an investigation. 

On XX/XX/XXXX, I decided to pay off my student loan of {$23000.00}. I reached out to Navient and was transferred to an agent XXXX in the student loan department. This agent after going into my account sited my total balance of my loan that I needed to pay was {$23000.00}. Which I proceeded to pay over the phone using my personal check # XXXX. At the end of my conversation, I was informed that I would receive a payoff letter. This letter was to never arrive. What did arrive the following on XX/XX/XXXX was a statement for me to pay another {$1000.00}.? I immediately contacted Navient to discuss this error. I was meet with confusion by their agents as to why I was being charged. Their records indicated that the amount sited by their on XX/XX/XXXX agent was correct and they would further look into this issue. I expressed my frustration with them and their system. I informed them that they needed to resolve this issue today. The agent appeared empathic and supportive wanting to finding the answer for me. So starts my archous battle with Navient! after numerous conversations with other agents/supervisors I came across agent XXXX XXXX XXXX. 

On XX/XX/XXXX Team Lead XXXX XXXX # XXXX. After XXXX minutes into our conversation XXXX stated that she would like to go back and lesson to the recorded conversation with me and agent XXXX on XX/XX/XXXX. And if she found that the balance of my account given that day by agent XXXX was indeed {$23000.00} as a full payoff amount. Then Navient will wave the requested fee of {$1000.00}. Satisfied that I would prevail. What arrived was a letter on XXXX XXXX. 

On XX/XX/XXXX. I received a letter from Navient with old dates and numbers. However, admitting fault and that indeed their agent XXXX incorrectly provided me with the wrong payoff amount " That Navient will not be able to write-off the remaining balance and that I would still need to pay the requested amount of {$1000.00} See attachement # XXXX On XX/XX/XXXX to dispute there response letter to me. I was meet with more ridiculous excuses and that they could not honor what Team Lead XXXX XXXX promised. 
" To wave the fees regardless of the facts disclosed in the recording '' It is my hope that C.F.P.B can represent me in this unfair and unjust act by Navient.. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HEAD MERCANTILE CO., INC. (AL)

Complaint:
I have always had insurance I have already submitted one complaint and they can not locate account. Its on my credit I have no knowledge of this nor was I notified of this u til I checked my credit. Refuses to verify account .its been over 3 months Ive been writing them they want me to supply info to them to verify when thats literally their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
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: EQUIFAX, INC. (OH)

Complaint:
The following companies did not have permission to request my credit report from XXXX, XXXX, and Equifax XXXX XXXX  - Miscellaneous Finance, Date : XX/XX/XXXX XXXXXXXX XXXX  - XXXX XXXX Date : XX/XX/XXXX XXXX OF XXXX - Bank Credit Cards XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX - Credit Bureaus/Mortgage Processing, Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Credit Bureaus/Mortgage Processing XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX - Credit Bureaus/Mortgage Processing XXXX XXXX XXXX XX/XX/XXXX XXXX DATA - Mortgage Companies - XXXX XXXX, Date : XX/XX/XXXX XXXXXXXX XXXX  - Credit Bureaus/Mortgage Processing, Date : XX/XX/XXXX XXXX - Mortgage Companies - Finance, Date : XX/XX/XXXX XXXX XXXX  - Credit Bureaus/Mortgage Processing, Date : XX/XX/XXXX XXXX XXXX - Mortgage Companies - XXXX XXXX Date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: GOLDEN 1 CREDIT UNION, THE (CA)

Complaint:
XXXX of XXXX  I got a starter loan from golden 1 credit union all payments were made on time they are currently inaccurately reporting lay payments to my credit report I need these to be disputed immediately

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 2022-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (MA)

Complaint:
I received a XXXX XXXX XXXX XXXX in the mail on XX/XX/2022 that I never applied for. I called the company the same day and was informed of 2 charges totally {$9600.00} on the card. These charges were made for rent in XXXX XXXX  state and I live in XXXX. I told the company that I did not apply for the card. A fraud investigation has been started and Wells Fargo is " researching possible unauthorized transactions ''. I have also filed a police report with the town that I reside in.

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 2023-02-20
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. (AZ)

Complaint:
This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT. That you did not verified as required by law on my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries ; except as provided in section 1681g ( a ) ( 5 ) of this title. 

The following inquiries were not initiated by me and are a result of identity theft. 

XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2022-11-30
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. (WI)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (PA)

Complaint:
On XX/XX/2022 there was a credit inquiry from Bloomingdales. I did not authorize this credit inquiry that has been posted onto my credit report. I did not attempt to open a line of credit at Bloomingdales. The same day, an application was submitted for Macy 's where a line of credit was approved. I did not apply for a Macy 's credit card. I have submitted a complaint on the Macy 's line of credit. I have contacted experian and they have marked the inquiry as fraud.

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 2023-06-02
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. (IL)

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (WA)

Complaint:
Every day for a month I receive a call from Midland Credit Management. I have answered them but they dont seem to have conscious thought about what they are doing, they dont listen. The problem is that I am not in collection by anyone. My credit rating today is XXXX. I have no idea why they keep annoying me with calls that wake me up in the morning and late evening calls. I cant get them to stop. I can not block their number because it keeps changing. There number today is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-24
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. (WA)

Complaint:
Contacted the reporting agency twice via certified mail, but the reporting agency ( 1 ) unable to update the negotiated plan ( currently on charge-off status ) with XXXX XXXX XXXX, per the settlement agreement filed with XXXX County Superior Court, ( 2 ) Unable to update the credit report status per settlement agreement with XXXX XXXX, it is settled as all relationship will be terminated, no future relationship will be engaged, all cards will be canceled and delete, including all balance due

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Hauge Associates, Inc. (SD)

Complaint:
I contacted Hauge and Associates via mail sent XXXX XXXX 2015 requesting validation of debt. I askfor them to send me back the requested information within 30 days of receipt. They never sent me any information, and rufused to validate, however they update the credit bureaus on XXXX XXXX. 'Account information disputed by consumer, meets FCRA requirements '. It is my right to be givin proff the debt is mine, and it is unfair that they continue to be unresponsive to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (VA)

Complaint:
I am currently on the Income-Based Repayment program with my lenders ( XXXX, XXXX XXXX ) regarding repayment on my federal student loans. Due to my large amount of financial obligations for private student loans, my payments have been very low, approximately $ XXXX/month. Now Nelnet has increased my payment over 8 times to $ XXXX/month. 

I can not afford these payments and this new payment schedule does not accurately represent my income nor does it make it easy for me to repay a loan that I can not afford. 

I was not able to find a well paying job and recently my income dropped substantially when I changed employers. 

I need help. XXXX does not wish to assist me with this and so I am filing a CFPB complaint in the hopes that my IBR gets adjusted so that it accurately reflects my current income situation. They believe that my income is much higher than it is because XXXX is not considering private student loans which is a mistake that XXXX XXXX does not make.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

Complaint:
This loan actually was first returned because they sent it through our bank before due. 
We acknowledged this and it was sent back through and paid on XX/XX/XXXX. Now our bank notified us that cash central tried to make up a fraudulent check and send it through in XX/XX/XXXX and the bank did s fraud investigation and proved they did act fraudulently regarding this matter. Now we have a XXXX XXXX XXXX trying to collect yet they have no paperwork nothing yet I have proof of being paid via my bank statement yet they want letter from company that it was paid yet this was 6 years ago yet they threaten us with legal proceedings and tell us nasty things

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Yamaha Motor Finance Corporation USA (CA)

Complaint:
I have my boat loan with Yamaha Motor Financial company. They have terrible costumer service for one. And two, I have my account set up with auto-pay. My bank does a 5 day check payment, and only withdraws the money once the payment has processed with the payee. Yamaha is claiming they did not receive my payment until 2 days after the due date, and now charging a late fee. My bank statement shows that my payment posted with Yamaha on the due date. I submitted my proof with Yamaha and they are still refusing to reverse the late fee charges! I HAVE PROOF of payment on time!!!! Yamaha is TERRIBLE!!!! 
*I also make larger payment amounts, not just the minimum payments. Oh, and double payments. So, tell me why they won't reverse their mistake on an account that is an upstanding one??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
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. (PA)

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Equifax XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX  XX/XX/XXXX, Equifax XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
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. (AZ)

Complaint:
I sent letters to the Credit Bureaus to remove the unauthorized inquiries and personal information that are found on my report. But still those inaccurate items are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; 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