hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Complaint:
i submitted disputes with Equifax on XX/XX/2023 for unauthorized hard inquiries that i think someone was trying to establish credit in my name. The investigation was completed today XX/XX/2023 without a reasonable investigation. According to FCRA legally these unverified & unauthorized items Must be removed. I directly dispute the completeness and or accuracy of information contained in my consumer file. As per FCRA there here to reinvestigate is an intentional and/or negligent FCRA XXXX talked to the fraud dept to resolve these issues as wel as placing a fraud alert & freeze on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
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: EQUIFAX, INC. (IL)

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (AL)

Complaint:
Received a fraud alert before I received the card. 

Multiple phone calls, somewhere around XXXX, have been told XXXX times the problem was resolved, but, it wasn't, next calls keep resulting in letters I need to wait for. Letter had no useful information. 

I have the card, but, they keep giving me runaround about verifying information.

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 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Complaint:
XXXX XXXX XXXX is reporting a past account that was closed due to FRCA violations as a new account. This needs to be fixed or removed. The debt was parked according to XXXX and they can report as many times as they want I am told.

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 2023-04-18
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: EQUIFAX, INC. (CA)

Complaint:
Hello i'm writing regarding account on my credit reports that do not belong to me and was opened fraudulently i tried to handle the issue with credit bureaus but not a big help its still there.I checked my credit report and they had a wrong date of birth and addresses there to which i sent credit bureaus copy of my driver license with my real date of birth and an ftc report in which they did not responded and the account still remains on my report dramatically lowering my credit score.I will go ahead and attach the FTC report to my complaint and i expect credit bureaus to block inaccurate information.I also went ahead and talked to the creditor and found out that whatever information they have on their end the account that was opened under my social security number did not match with my date of birth or address that i reside on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (CA)

Complaint:
XXXX XXXX for XXXX XXXX credit card. 
1. Charged a late fee of {$37.00} that was more than twice my monthly fee of {$15.00}. Considered illegal in Calif. 
2. Made payment on time difficult to gain late fees : A. Payment sits in P.O. Box until it incurs late fee. 
B. To pay before due date I must use a debit card, but charge {$15.00} fee to use. 
C. Had post office hold my paycheck in order that I incur late fee before can pay. 
3. Statement showed wrong amount, when I called and pointed it out to supervisor, he hung up. No explanation, no call back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
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 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 2020-01-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (FL)

Complaint:
I have had a collection on my credit reports ( XXXX and XXXX ) since approx. XX/XX/XXXX. The debt is from Receivables Management in the amount of {$400.00}. I have disputed this debt several times. The debt was rightfully removed from my XXXX   credit report as of XX/XX/XXXX. Unfortunately, the debt still remains on the other two credit bureaus. Each time I dispute, it comes back verified but I haven't been provided with any proof that I owe this debt. It simply says verified. I've never been provided with a signed contract with my signature for this debt. A bill or statement does NOT verify a debt is owed. It needs to 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 explanation
Consumer complaint received 2019-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

Complaint:
I was given graduate loans from XX/XX/XXXX-XX/XX/XXXX for approximately {$160000.00}. Over this time approximately {$20000.00} worth of interest accrued on these loans. These loans were by manged by nelnet. 

After completing my graduate program, I was enrolled in a residency program for 2 years. I had done some research and understood that there is a 6 month grace period after which interest is capitalized. Deferment of loans would extend this grace period and thus interest would not be capitalized. Thus my game plan became to pay down as much of the accrued interest during my residency years so that after the deferment period was over there would be less interest to capitalize thus saving me money. 

I called up my various loan companies and reviewed the matter with them. My Health Professional loans simply told me that I needed to submit a form that I was in residency, have it approved by my program and the repayment status would be deferred until I finish my residency program. This process worked flawlessly with tem. 

However, the same is not true with nelnet. I called nelnet with the same request and spoke to many representatives and supervisors. Many didn't understand what a residency program is and sent me various forms. They sent deferment forms and when I filled it out told me it was the wrong form. I explained that my goal was to pay down as much of the interest before it capitalized, but they didn't understand. The interest capitalized and my game plan did not come through fruition. At one point one of the representatives put an administrative forbearance on my account as she thought I was complaining about not being able to make payments. This in turn triggered ANOTHER occurrence where the accrued interest capitalized. Overall I ended up owing more than should have been because I was not given the proper guidance by the nelnet team. 

After my residency program I worked hard to refinance these loans. I did refinance a large portion of my loans held by nelnet. I did not like the service or information I was given by them. They misled me in many ways, and did not take the time to fully understand the situation. records will show that I called them multiple times from XX/XX/XXXX-XX/XX/XXXX. I have emails of all the forms that they requested as were sent and then rejected by nelnet from the same period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
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: EQUIFAX, INC. (OK)

Complaint:
XXXX equifax credit bureau compromised and sold my identity to a mortgage loan lender under someone else identity that identity theft my social personal information and put a debt after equifax fraud ran my credit and abused my social security number and approved a mortgage loan for subspect XXXX XXXX and student loans also XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX all of XXXX XXXX Nevada where two mortgage debts fraud identity has been placed illegal for public someone else mortgage loans thats mother sister related to XXXX XXXX she used my credit identity theft my identity and finances a mortgage loan equifax illegally ran my credit and put her debt loan installment payment XXXX which I'm disputes now off my credit report equifax student loans from XXXX  where my identity again was stolen compromised by e a equifax selling my identity student loan has a different name and different account holder information and all XXXX student loans XXXXwas again placed under my identity XXXX XXXX XXXX mortgage loans please remove all three loans from two mortgage loans taken out against my identity fraudulent I don't own no home my name isn't on mortgage deed nor loan my credit was ran fraudulent under XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX identity theft loan account 5 years now during damage my collectable credit from me buy my own house credit lender mortgage loans for my own purchase I've been blocked by your credit bureau equifax where they have fraudulent charges XXXX installment payments and student loans that I am not account holder off and refuse to remove mortgage loans where my name is not own mortgage deed nor lender but my identity compromised ran by equifax and fraudulent debt collectors collection is own my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
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: BARCLAYS BANK DELAWARE (NY)

Complaint:
Fraudulent charges were made on my XXXX  Barclays Mastercard to the amount of {$9300.00}. I promptly reported the charges, and the card company told me that the investigation would take 30 days before it would be removed from my credit report in a letter dated XX/XX/XXXX. This was mid XXXX. I made a police report XX/XX/XXXX with the XXXX, Maryland Police Department, because that was the town I last used the card. I reported the fraud to one of the credit  bureaus. They have only refunded {$700.00} of the over {$9000.00} of charges. They have not removed the charges from the card or marks from my credit report and have not contacted me or provided me with any supplemental information despite me contacting them.

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 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

Complaint:
My mortgage company is not reporting my mortgage to the credit reporting agencies for the last 2 years

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 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Complaint:
XXXX XXXX ID : XXXX Company was to refund me {$25.00}, but due to their error they XXXX  out my account with send me my credit balance refund.

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 2023-06-16
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. (AL)

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.

The letters are stated with items and issues.

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 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 2022-03-28
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: Experian Information Solutions Inc. (FL)

Complaint:
I sent letters to XXXX, Experian and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2020-08-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Complaint:
In XXXX and XX/XX/2020 I was late on payments on my XXXX loan due to covid and my decrease in hours. This showed a negative report on my 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 explanation
Consumer complaint received 2016-03-30
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

Complaint:
I believe I was scammed by XXXX in their practices and would like to see if I an eligible for compensation for the lawsuit filled against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Complaint:
On XXXX, I was alerted of multiple hard credit inquiries from XXXX and Capital One. These were unauthorized inquiries, as I did not apply for credit, products, or services from either creditor. I immediately contacted both creditors for suspected fraud/ID theft. XXXX confirmed the fraudulent activity, and advised that any pending applications have been closed and that Id receive confirmation by mail. Any unauthorized hard inquiries would be resolved in approximately 90 days. I then contacted Capital Ones fraud department for resolution. I was advised that there was no record of any activity associated with my name, date of birth, or SSN. Meanwhile, both XXXX  and XXXX showed hard inquiries dated XX/XX/2020. I could not reach resolution with Capital One as they show no record of this inquiry. I was advised to dispute with the CRBs, or send a letter to them to include an account number ( which I dont have ) and other PII.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (CA)

Complaint:
Hello. I have been fighting a long hard battle with XXXX XXXX XXXX in terms of XXXX XXXX. XX/XX/XXXX I tried closing my account and was told that with the long battles I had coming back and forth to the gym that I would not be charged again or charged any cancellation fees. The following month, after several failed attempts I got an email from a woman stating that I do have to pay a cancellation fee and that she would terminate my account at that point so I do not incur any other amounts. For months after I received automated emails stating my card could not be charged and time and time again I sent responses to the gym stating that my account should have already been closed. I contacted the XXXX to notify them of the failure to communicate and the failure to follow requests and mistakes that they had continued to make causing me a bad name and credit. I also addressed my fear in getting a possible collection letter in my name due to these large mistakes they were causing. After the XXXX got in touch with the busin as, I was notified that my amount owed was only {$13.00}. 3 days ago I went to the gym to confirm the amount owed and pay the {$13.00} owed. Turns out, the gym stated I owed {$76.00} and some change. Also while in the gym, I was told that they do not send people to collections anymore. Just last night I received a letter from Aldous & Associates claiming to be requesting a debt owed in the amount of {$230.00}. I once again contacted the XXXX to reopen my case and am hoping to get in touch with someone who can clear my case and my credit. I never received a debt collection and now I have one wrongfully reported. I need assistance addressing this and information on any further steps that I can take to ensure safety of my finances and my good name as well as my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation