hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-01-20
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. (IL)

Complaint:
In 2019, I initiated a cash-out refinance on my home with XXXX XXXX XXXX Due to an administrative error, XXXX XXXX inadvertently included a relatively low-interest XXXX credit card on the list of cards to be paid off and closed within the loan documents, so rather than scrap and restart the process, I agreed to close the XXXX account and have it paid off. After the refinance process was complete, I assumed that all accounts were successfully paid off and closed, until I received a call from a collection agency the following year regarding a debt owed to XXXX for {$220.00}. I contacted XXXX and explained the situation, and they agreed to disregard the additional interest charges and penalties and accept a payment of {$75.00} to settle the debt, based upon the original unpaid interest charge of {$73.00} on a final payout of {$6700.00}, which was apparently due to the fact that XXXX  received the payoff check from XXXX XXXX XXXX DAY after the final statement due date. Again, I thought that the matter and account were closed, but the following year, after being denied several applications for credit, I learned that the top of my TransUnion credit report highlighted my former XXXX account as an Account with Adverse Information with multiple delinquencies of 120 days following the account closure, despite all other payments on my entire credit report being on time. Upon contacting XXXX to request the removal of the Adverse Information from my credit report, I was told that when I created a XXXX XXXX  account to print off a final statement for XXXX XXXX, I allegedly agreed to only receive electronic communications from XXXX  on my soon to be closed credit card. XXXX could not produce any evidence of electronic notifications sent to me regarding the account or additional charges, but from my email records I discovered that the only email that XXXX had sent to me was a notice that my online account ( on my closed credit card ) had been suspended because I signed in from an unknown device. XXXX continues to deny that the Adverse Information on my credit report is inaccurate and misleading and refuses to have it removed, so it will remain there and ruin my credit report for XXXX more years. While TransUnion allows a consumer statement to be included on the credit report, it not only appears below the Adverse XXXX information, but its buried at the very bottom of the credit report.

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 2023-07-17
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. (TX)

Complaint:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it 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 non-monetary relief
Consumer complaint received 2017-04-04
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The CMI Group, Inc. (TX)

Complaint:
I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine. 

I do not recall this account. Please provide documentation with my signature and services rendered validating that this account is mine. 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid.

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 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (TX)

Complaint:
This is a fraud account due to the fact that this company is reporting a Secured account and is charging for credit which is against 15 usc 1666 & 1692. I've tried handling this account with them but they are still reporting this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Auto Trakk, LLC (DE)

Complaint:
XX/XX/2023 its reporting a charge off/collections when the lease was paid off to XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Complaint:
I am a human and a natural person my name is XXXX XXXX and the credit bureaus are violating my rights and I am really upset. They need to remove the accounts immediately. Also, it is not 100 % accurate with all the credit bureaus. 

Under the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX Account # 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 an 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 r
eport by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
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. (TX)

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$33000.00} XX/XX/22 I DO NOT HAVE SS # XXXX 15 U.S.C , 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-12
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. (OK)

Complaint:
Under complaint number XXXX Transunion reported that two XXXX XXXX accounts were, but they are being reported on my most recent consumer credit report as of XX/XX/2023. This is what I mean as predatory reporting and activity. CFPB even referred to them as " out of control repeat offender ''. 
TransUnion is an out-of-control repeat offender that believes it is above the law, said CFPB Director XXXX XXXX. I am concerned that TransUnions leadership is either unwilling or incapable of operating its businesses lawfully. 
This statement alone proves that they can not be trusted, and their practices are unlawful. There are several unauthorized inquiries on my report. I was recently had adverse action against me as I was denied for a home loan. My Transunion score is the lowest of all three major reporting agencies and they have double accounts. They are reporting that I have over XXXX in XXXX loan debt when that is simply accurate. They refuse to give me their verification process through CFPB or when I call them. They have made false claims to the companies listed on my reporting stating that I am claiming identity theft when in fact I stated that Transunion has stolen my identity by furnishing a consumer credit report on my behalf. By law they can only do so under written instructions of the consumer. I have never consented to allow Transunion to furnish my identity to anyone. Transunion is defaming my character with these inaccurate accounts they are reporting. They are causing harm to my family and I. This reporting is causing my mental health instability by receiving adverse action against me and daunting phones calls from companies that I have no legal obligation to. I have requested that they cease and desist from reporting all hard inquires and negative reporting accounts. These companies like XXXX XXXX, XXXX XXXX and XXXX credit are not even authorized to conduct business in my previous state XXXX and my now new home state of XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EOS Holdings, Inc. (KS)

Complaint:
On XX/XX/2020, I contact EOS-CCA regarding a XXXX bill that been placed with them for collections. I advised them when I went in for service the XXXX rep started 5 accounts without my consent.

Further, I advised them I contacted XXXX corporate that day and reported the fraud. Subsequently, I have spoken with an attorney who has affirmed I have a case against XXXX XXXX and am in the process of filing litigation against them now. 

I contacted EOS-CCA because while I could end up profiting greatly from this, I wanted to avoid litigation and decided to propose a settlement offer of {$150.00} and I would then agree to waive my rights to file suit against XXXX XXXX for an issue they are clearly liable for. 

Instead of taking my proposal to their client, an " XXXX '' who was completely aggressive and confrontational refused to ( and a copy of the audio recording I made of the call is attached XXXX to corroborate this. 

I have spoken with an attorney that has conferred by denying to act as the " agent '' that has a duty under " agency relationships '' the collector " XXXX  '' decided to act out of her own emotion and nefarious intents instead. Subsequently, this constitutes tortious interference with a business relationship and I have been advised by my attorney that because suits based on agency relationships do not fall under the purview of the Fair Debt Collections Act and are based on agency law instead that I do have a claim of action. In addition to damages for violation of the FDCPA, violation of The Brady Decision, the Intentional Infliction of Emotional Distress, as well as punitive damages.

I wanted to advise the CFPB of this because this is an example of the worst kind of collection practices that merit an audit by federal regulator officials into the conduct of this agency. 

I am pursuing a lawsuit against EOS-CCA currently. 

It's important to note, that EOS-CCA 's actions not only are a violation of collections law and agency relationship. They are directly responsible for preventing their client from exercising their legal rights in civil suits to mitigate their damages. 

Further, I would contend they have a duty under a civil-action theory to attempt to prevent their client from getting sued ( which they learned about during the dispute in the phone call but intentionally blocked from being presented to their client regardless of the validity of the legal claim held by me against their client, while in the same breath telling me I can not call their client because they represent them. What a bunch of XXXX XXXX XXXX XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Complaint:
I sent a letter on XX/XX/2023 requesting to remove inquiries that were not authorized. I have waited over 45 days and received no response. I called and they stated I needed to send another letter with my request. I opted to chat in so I had chat transcripts and they refused to remove the inquiries that were not authorized.

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 2021-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (FL)

Complaint:
XXXX is the servicer on my XXXX XXXX XXXX XXXX Student Perkins loan. They have forced me into an interest accruing forbearance even though I qualified for a Unemployment Deferment and Since XXXX of XXXX, to XX/XX/XXXX All Federal Student loans were suppose to automatically qualify for a 0 % interest forbearance with {$0.00} payments. My Federal Stafford loans followed these federal guidelines of the CARES ACT. 

However XXXX has not, with some help from my school XXXX XXXX was able to fix the problem with the previous problem however saying it used up ALL of my deferment months becuase XXXX ignored the Federal CARES Act that was suppose to freeze interest and payments from XX/XX/XXXX - to XX/XX/XXXX. 

Can you please help with reporting this loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
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 my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX Inquired 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 2022-12-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Education, LLC dba Aidvantage (WV)

Complaint:
The issue I have in my case is pretty straight forward. On XX/XX/2022, I requested that my former loan service provider, XXXX XXXX, refund my student loan payment ( s ) that I made during COVID and to reopen my loan balance so that I could apply for the Temporary Public Student Loan Forgiveness ( TPLSF ) Program. The total amount I paid was {$26000.00}. This closed out my student loan balance at that time. This closed out my student loan balance at that time. The payment was processed on XX/XX/2022 by XXXX XXXX, which is the first date that one could request a refund of a payment. 

Under the rules of the COVID Relief and what not, borrowers are allowed to request their loan payments made during COVID even if it paid the balance in full. I also filed my TPSLF at the time I made the request to have my COVID payment ( s ) refunded to me. 

I made this request not only via email, but over the phone and I also sent a certified letter ( I have all of my documentation, including the return receipt ). I followed up with XXXX XXXX at the end of XX/XX/2022 and was told that my payment had been reversed ; and, therefore, my account had been transferred to AidVantage  on XX/XX/2022. 
To date, I have heard NOTHING. I never received a closeout letter from XXXX indicated that the new balance was transferred to AidVantage and certainly nothing from AidVantage. I never recieved a payment either of the refunded payment amount. I tried to contact XXXX XXXX and there is no way to contact them. 
I have several screen shots from my XXXX XXXX account when it was still a viable entity, but they completely wiped out my account at a certain point so that none of my history was located in the account. 

I have tried to contact AidVantage repeatedly and they have no record of me. This is getting utterly frustrating and there is no way for me to fix this issue without filing this complaint b/c I seem to be lost in the abyss. 

Attached please find a copy of the certified letter I sent XXXX XXXX back in early XXXX asking for the refund to be processed well within the timeline required. I also believe I have emails from XXXX XXXX when I sent the requests via email as well ( that they did not ever respond to ), but I would have to locate them. I also attached a couple of additional supporting documents to better support my position. 

PLEASE SOMEONE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
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. (DE)

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$540.00} XXXX XX/XX/2021 XXXX XXXX  XXXX Balance : 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 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Complaint:
On XX/XX/XXXX, I attempted to make a full payment of {$230.00} on my Capital One credit card website. I made the payment using my XXXX checking account to draw the funds from as usual. Capital One website has a tool that will automatically prevent you from selecting an account with insufficient funds to make a credit card payment. Therefore, I've always made my Capital One credit card payments with my XXXX checking account for years. I've been doing this for a few years within fail and any glitches. However, this one particular time on XX/XX/XXXX, Capital One, twice sent back my payment to XXXX stating that the payment was attempting to draw insufficient funds from my Capital One checking account. This is not true, the tool I used to set up the payment prevents and prevented me from selecting the account with insufficient funds, so you can not select a insufficient account even if you wanted to. The tool will immediately inform you that you don't have the necessary funds in your account to make the required payment. This is the reason why I've always used my XXXX account to make Capital One credit card payments and never my Capital One checking account. Why they denied the payment twice, I don't know. I checked with my XXXX bank twice why the returned funds and they didn't know the reason why either. I had more than sufficient funds in the XXXX account to cover the {$230.00} payment on XX/XX/XXXX, so neither XXXX or I understood why Capital One returned the payment. The statement from Capital One stating that I arranged the payment on my Capital One checking account is false. Not only did they charge me a late fee for the payment being received after the due date of XX/XX/XXXX, they used the late fee/payment as a reason to charge me an interest fee. I don't think I should pay either. The late fee was refunded to my account, but the interest fee should be as well. I truly understand that mistakes happen, but this appears to be one of those attempts to collect unnecessary fees from one of their customers. Sort of like XXXX XXXX.

Company response to consumer: Closed with explanation