hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-09-03
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. (DE)

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the rights to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NC)

Complaint:
I applied for a care credit through Synchrony bank back ion XX/XX/XXXX. At that time they started taking on some sort of fee called card security which i at no time signed up for. I called them in XXXX and last year XXXX and ask them to stop charging me for this and to cancel. Both times they said it was canceled but yet they have continued to take between XXXX and XXXX dollars out each month for this service which comes up to about XXXX bucks for at least two of the years and XXXX the first year. I am getting no where with trying to resolve this through them so that I can get my almost {$600.00} dollars back that has been stolen from me. I NEED this resolved and my money back.

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 2017-09-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (VA)

Complaint:
Cavalry has been reporting erroneous debt information on my credit report and refuses to validate the debt. I have contacted them numerous times, most recently on XX/XX/XXXX and XX/XX/XXXX and still have not received validation and they continue to report and resume collection activities, all in clear violation on the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (AP)

Complaint:
Apply for Military Service Deferment since I am currently and have been serving in XXXX since 2016, I was denied The Military Service Deferment My orders dont say Im serving it on a contingency Assignment! 
Since then Navient say my loans are in default and I join the XXXX after Accruing this debt! 
Since, they denied me they have not responded back to my emails.

Company response to consumer: Closed with explanation
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: Experian Information Solutions Inc. (NV)

Complaint:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022

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 2022-06-15
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

Complaint:
I obtained a second mortgage from XXXX XXXX  in XXXX and in XXXX the mortgage was charged off. I stopped making monthly payment since the account was charged off. 
I continued making payment on the first mortgage which I modified and current with my payment. But lately, XXXX, XXXX XXXX  who had not contacted me since XXXX when the mortgaged was charged off contacted me and demanded payment. 
I returned the call and the rep told me on the phone that it is a charged off account. 
i had a XXXX which Iam still under treatment and recovery program. 
My complaint is, since, the account was charged off by the bank in the year XXXX which is eight years ago, I am no longer in-debited for repayment. 
I want to know my rights and what can be done to resolve this matter. 
As of now, my income is limited. I will appreciate a favorable referral and resolution.

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 2019-11-03
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. (PA)

Complaint:
Department of Education continues to increase payments on credit file. Currently enrolled in XXXX XXXX XXXX XXXX XXXX. Account is currently in Forbearance. Made several Attempts to resolve with company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (TX)

Complaint:
I was extended a credit account by Citibank to purchase furniture at XXXX ; however the 1st issue arose when the credit slip they presented to me for signature did not match the terms they agreed to give of 0 % financing for 18 months. I started to sign the slip only getting as far as the A-L of my 1st name and then told the sales rep I did not feel comfortable signing it and wanted confirmation in writing from Citibank that the terms promised would be honored. Well needless to say the 1st letter I received from Citibank stated the terms were under review and I would be notified of their decision within two billing cycles. At this point I felt I was being mislead and told XXXX to cancel my order. I sent a dispute to XXXX and Citibank to request a refund. XXXX gave me back my money, but Citibank is still attempting to hold me responsible for merchandise I DO NOT HAVE and more importantly did NOT authorize be charged. 

The results of there 1st investigation simply stated XXXX does not allow cancellations or refunds???? So I requested they re- investigate because 1. I did NOT sign the credit authorization AND 2. Never received any merchandise for XXXX Lastly, I have been receiving statements stating I am required to make payments although the entire balance is under dispute AND I have yet to receive a response since I faxed the documents to them on XX/XX/2018. That is over 60 days!

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 2021-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Complaint:
Transunion continues their lies, fraud and iLlegal activity by not investigating my complaints of fraud by XXXX XXXX and XXXX XXXX XXXX, two fraudulent illegal companies committing fraud and illegal activity by placing fraudulent illegal amounts on my credit report. transunion refuses to investigate and PROVE i owe this money which I do not!! I do not owe westlake or XXXX XXXX XXXX any money! Transunion continues to LIE and state we investigated the amount which they didnt. Transunion has NEVER proved how they investigate or provide me a copy of their INVESTIGATIVE report, WHICH IS VIOLATING FEDERAL LAW!! Transunion continues to LIE and violate section 609 of FCRA which specifically states any alleged debts must be proved in writing. Transunion HAS NOT!! they do not investigate this matter NOR provide to me WRITTEN proof of the investigation AS REQUIRED BY LAW!! REMOVE XXXX XXXX AND XXXX XXXX XXXX FROM MY CREDIT REPORT 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 2023-06-29
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. (GA)

Complaint:
I asked the credit bureaus to verify my credit and they stated that everything was accurate. However, it is not. I did a thorough search myself and found inaccuracies on my credit report even after they did their careful research. 

XXXX XXXX - XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX I also my name and addresses are not correct on any of the credit reports. 

My name and address are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX My work name is also incorrect. My correct work name and address is listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI 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 2015-04-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (TN)

Complaint:
THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (TN)

Complaint:
DISCOVER CARD SENDS FALSE STATEMENT TO CUSTOMER CREATING {$7200.00} IN EXPENSES FOR CUSTOMER CUSTOMER SCAMMED I opened an account on XX/XX/XXXX for a credit card with {$8000.00} credit line. Someone I had made friends with online ( I later obtained information which leads me to believe this is an organized crime ring based in XXXX ) asked to borrow some money to ship some gold to the US and agreed to pay me back. I sent about {$7500.00} to this person on XX/XX/XXXX. The return payment of {$7000.00} was made from an unknown account ( not my account ) on XX/XX/XXXX. Discover Card told me the payment was received and gave me credit on my balance making {$7000.00} additional money available for me to spend. I sent an additional {$7200.00} on XX/XX/XXXX. The payment was returned on XX/XX/XXXX. I would not have sent the additional {$7200.00} and would not have been able to if not for Discover Card 's false statement. I turned this over to the FBI IC3 unit but the unit has not taken any action to date and they say they probably will not take any action. The courts awarded Discover Card {$7500.00} they paid a different court {$1000.00} security and they were then awarded {$14000.00} plus legal costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

Complaint:
I began corresponding with XXXX XXXX a manager with National Credit Systems , Inc around XX/XX/2021. This is the time I became aware of a collection on my credit report for an apartment rental in XXXX, TX. The apartment was rented in my name when I lived in XXXX, California. 

I contacted National Credit Systems via telephone and Mr. XXXX returned my call. He emailed me a fraud affidavit to complete and return to him, which I did. On XX/XX/2021 he acknowledged receipt of the completed fraud package. On XX/XX/2021 Mr. XXXX advised me via email that the investigation could take up to 30 days to complete. After receiving another call from National Credit Systems regarding a payment for the debt, I again contacted Mr. XXXX via email asking why his agency was still contacting me for payment. He responded with an email on XX/XX/2021 stating that call was to inform you of the confirmation number for the credit removal. We processed the request for removal please refer to ( AUD # XXXX XXXX as confirmation. 

The collection item was removed from my XXXX  and XXXX  credit report but continues to be reported as accurate on my XXXX  credit report. I have disputed this item three times with XXXX  and every time the dispute has been completed as verified consumer debt. 

I reached out to Mr. XXXX on XX/XX/2021 via email informing him that XXXX  was still reporting this debt on my credit report. He responded on XX/XX/2021 asking for a copy of credit report that still shows the debt. I complied and emailed him a screenshot of the debt listed on my XXXX  report. Mr. XXXX has not responded since that date. I have emailed him several times since requesting an update on removing this item from my XXXX report. 

XXXX  has show no regard for my health and well-being. I have submitted to XXXX  the completed fraud affidavit and the email correspondence from Mr. XXXX but they have three times verified the debt as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Southwest Credit Systems, L.P. (TX)

Complaint:
Debt is not owed and is showing up on my credit report using an address that I have never lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (MI)

Complaint:
I received a letter from Capital Accounts on XX/XX/XXXX about a debt that is not mine. I called them and instead of then investigating it, the woman called me a liar and started harassing me. I have not had services from XXXX XXXX this is not my debt or account, I have not been seen by that office since XXXX and theyre claiming its for services rendered in XXXX. I want it removed ASAP, this isnt mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

Complaint:
I have sent three letters so far requesting for the inaccurate information be removed from my credit report. The bankruptcy in question was dismissed without going to court. The credit bureaus stated they verified that the information was correct. Verified with who? I wrote a letter to the courts and was informed that the courts do not communicate with credit bureaus. That would put the credit bureau in direct violation of the FCRA.

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 2021-11-19
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. (KY)

Complaint:
I HAVE SUBMITTED MULTIPLE DISPUTE REQUESTS WITH ALL XXXX XXXXREDIT BUREAUS TO REMOVE CERTAIN ITEMS ( BELOW ) OFF MY CREDIT REPORT AS I WAS A VICTIM OF IDENTITY THEFT SINCE XXXX & MULTIPLE ACCOUNTS HAVE BEEN OPEN IN MY NAME AS WELL AS MULTIPLE INQUIRIES INCLUDING AS RECENT AS TODAY. THESE CREDIT BUREAUS KEEP COMING BACK WITH ACCOUNTS VERIFIED WHICH IS NOT TRUE THESE ACCOUNTS DOES NOT BELONG TO ME AND I NEED THEM REMOVED IMMEDIATELY XXXX ACCOUNTS * XXXX XXXX  XXXX OPENED XX/XX/XXXX * XXXX XXXX XXXX OPENED XX/XX/XXXX * XXXX  XXXX XXXX  XXXX OPENED XX/XX/XXXX * XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX * XXXX XXXX XXXX XXXX OPENED XX/XX/2012* XXXX XXXX XXXX XXXX OPENEDXX/XX/2012 * XXXX XXXX XXXX XXXX OPENEDXX/XX/2012 * XXXX XXXX XXXX  XXXX OPENED XX/XX/XXXX * XXXX XXXX XXXX  XXXX OPENED XX/XX/2013 XXXX XXXXXXXX XXXX XXXX OPENEDXX/XX/2017* XXXX XXXX XXXX XXXXXX/XX/2019 XXXX  XXXX  XXXXXX/XX/2021 XXXX INQUIRIES XXXX XXXX  ; XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXXXX/XX/2021XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/2021XXXX XXXX XXXXXX/XX/2021XXXX XXXXXX/XX/2021XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX  XX/XX/XXXX XXXX XX/XX/2021XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XX/XX/2021XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/2021XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/2021 XXXX XXXXXX/XX/2021 XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXXXX/XX/2021XXXX  XXXX XX/XX/XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXXXX/XX/ XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/2021XXXXXX/XX/2021XX/XX/XXXXXXXXXX/XX/XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/2020 XXXX XXXX XX/XX/2020XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/2020 XXXX  XXXX XX/XX/2020XXXX XXXX XXXXXX/XX/2020XXXX XXXX XXXX XX/XX/2020XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020XXXX XXXX XXXXXX/XX/2020 XXXXXX/XX/2020 XXXX XXXX XXXXXX/XX/2019 XXXX XX/XX/2019

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 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
Since XX/XX/2019, I've mailed each bureau about 3 times to fix some incorrect information on my credit report. The incorrect information is still displaying on my report. I also asked them to tell my how they verified each item and the credit bureau has failed to do it. It's been pretty frustrating seeing incorrect collections hurting my 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 2023-07-06
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. (LA)

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2022-09-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY (FL)

Complaint:
My high yield savings account was closed by American Express and I have {$15000.00} in the said account before it was closed till date I have no access to my money or account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
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: Experian Information Solutions Inc. (AZ)

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: In progress
Consumer complaint received 2022-12-09
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. (GA)

Complaint:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation