hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2016-11-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (OK)

Complaint:
Any accounts I 've had with XXXX were paid in full and closed was prior to XXXX from Georgia. I do not owe this debt. I have disputed this account numerous times and each time it has been removed, it is then added again by another one of these " companies '' likely to negatively impact my credit score. Which should be illegal. Furthermore, I am in the process of disputing this account with another collection agency who is reporting the exact same thing in another one of my credit profiles ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (PA)

Complaint:
I called Wells Fargo last night around XXXX Monday XX/XX/XXXX. This was in reference to the Wells Fargo XXXX XXXX and its {$45.00} annual fee and also misrepresentation on the phone about currency conversion and foreign transaction fees. Wells Fargo has 2 XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ) the woman ( XXXX ) I spoke to told me that as of recent the XXXX and XXXX cards terms have been made the same but, I think inquired why does the {$45.00} annual fee remain. She had no answer to me in regards to that and then offered me to switch my card to the original XXXX. I told her would n't that affect my credit, she said she did n't know and could not make a representation, I was then forward to the credit department in Wells Fargo, who still could n't give me an answer. I spoke the credit bureau this morning in regards to my credit score implications and she indicated if I had to close down one account and switch it over it would affect my credit score. Without informing older customers of the XXXX, all these customers are being required to pay {$45.00} a year for something that is free on the XXXX. And to correct it this would cost us a ding on our credit, which is absurd. Additionally, several Wells Fargo employees indicated to me that foreign transaction fees and currency conversion fees were the same thing. But after reading up on this, that is not true and the company was making false statements.

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 2020-05-20
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. (FL)

Complaint:
Iin this new complaint I invoke the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. On XX/XX/XXXX, I have submitted a claim but did not comply with all the requests. arranged several late payments but not in full. I am going to attach in this new claim the evidence where it shows that the monthly payments of the mortgage of my house with the XXXX XXXX  company have been made in the correct time. I also ask that my name in the information appear as XXXX XXXX, the address is XXXX XXXX XXXX XXXX, Florida XXXX, telephone XXXX and as a profession or occupation XXXX  XXXX because it is the degree I did at the university and I work on my own. Finally, I want the free annual report that by law corresponds to me. I am attaching the confirmation of the payments that I made to the XXXX XXXX company from XX/XX/XXXX to XXXX that appear as late payments, also the agreement to be from the month of XX/XX/XXXX and continuing in the forbearance program that reduces monthly payments. The payment for the month of XX/XX/XXXX appears with the month of XX/XX/XXXX because they did not remove the payment from my account as they did every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NH)

Complaint:
This complaint regards XXXX signature student loans disbursed XX/XX/XXXX and XX/XX/XXXX. The loans are currently held by Navient XXXX XXXX XXXX. 

I am currently in school at University of XXXX XXXX XXXX XXXX in XXXX, New Hampshire. I entered this school XX/XX/XXXX. Each year, I filled out a new deferment form for my prior student loans. This fall, I had to do the same. 

I went onto Navient 's website and printed out the required deferment paperwork. I had my registrar complete the paperwork and fax the documents to Navient. Navient 's website says that deferment requests may take up to 21 days to process. I waited the three weeks. The website continued to say that I needed to make payments. I never received even a letter or an email confirming or denying my request for deferment. I occasionally got a message from my parents that Navient had called, always during school hours, but had refused to tell my parents why they were calling. I had my parents inform Navient when the company called that I had sent in a deferment request, but they would n't accept the message. 

I repeated the process, having my registrar send another deferment form, in case the first one had failed to successfully reach Navient. Again, the website never acknowledged the deferment request in any manner. I did not receive an email or a letter regarding the matter. I called Navient, and the automated message said that the deferment request was pending. When I finally got through to a human being, they told me, for the first time, that my loan was no longer eligible for deferment ( apparently I had used the allowable 48 months ). 

This information was not available online. This information was never conveyed to me by email or letter, even though I received numerous other letters and emails indicating that payment was due unless I enrolled in deferment or forbearance. And every attempt to contact me by phone occurred during school hours with Navient 's representative refusing to leave a message. 

It should have been so difficult to find out that my loan was ineligible for deferment, even though I am still in school. It was unreasonable for Navient to fail to respond to XXXX separate faxed deferment requests. 

If not for this asinine process, I would have made my payments on time. I would not have incurred late fees and the added interest. 

XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
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. (SC)

Complaint:
My name is XXXX 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.

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 2022-06-16
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: EQUIFAX, INC. (TN)

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

15 US 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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. (MI)

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX Acct  # XXXX has violated my rights.

1

5 U.S.C 1681 SECTOPM 602 A. States I have the right to privacy. 15 U.S.C 1681 Sectopm 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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 Account # 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 2022-05-25
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. (TX)

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

Complaint:
Re : Complaint against XXXX XXXX  Account number ending in XXXX I am in distress! I log onto Experian to learn about credit, and I already have accounts that do not belong to me nor did I give anyone permission to use my information for credit. Well, I went through the dispute process that took about 30 days and the credit bureau said, the information came back as verified after sending a police report, and FTC report. I sent out a letter demanding proof from the creditor which was part of the disputing process that Experian told me. XXXX XXXX  sent a package to me with the supposed charges, on XXXX XXXX saying I owe them {$1600.00} now its {$1900.00}. I do not owe XXXX XXXX  anything because I never had a account with XXXX XXXX  and something needs to be done about this 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 2022-05-31
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:
In accordance with the Fair Credit Reporting act XXXX  Account # 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.

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 2023-10-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

Complaint:
This past XXXX I paid off the car loan and requested my pink slip. The credit union, XXXX XXXX will not give me my pink slip because I defaulted on a personal loan and still owe 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 2022-05-06
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. (FL)

Complaint:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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: 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. (TX)

Complaint:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX  XXXX XXXX Balance : {$290.00}.

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 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
Mine is simple. I pay my card in full each month. This month, I owed under {$30.00} and it dropped my credit score. Monthly, when I pay the bill, I add in what I charged AFTER the bill and I also try to anticipate what I need to cover charges BEFORE the next bill. So why, if the card gives me a 30 day grace to pay the bill, bureaus can drop your score for the same issue, having a balance that is not yet interest bearing? If I carry a credit, the bank will refund me after X days. I wouldn't have to if I could pay what I owe and not have to fear messing up my score which is a quite good one because I have a balance due. Can't this be fixed? You're punishing good borrowers. It's bad enough that XXXX let a foreign goverment steal my data. It would be nice if your agency could close this loop.

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 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IL)

Complaint:
I have 3 bankruptcies on my credit report and over 115 inquiries on each report due to identify theft. 
XXXXXXXX XXXX XXXX LexisNexis and l i, i did not disclose any personal information to these companies for any reason, nor did the bankruptcy court or my attorney. We sent letters of expungement from the courts on XX/XX/2023 for them to be taken of my credit report all companies have failed to do so. They are violating my rights as a consumer, And under FCRA. Can you someone please reach out to these companies XXXX XXXX LexisNexis XXXX XXXX And have them to remove all 3 bankruptcies off of my credit report XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Innovative Funding Services, L.L.C. (CA)

Complaint:
I applied for a 2.91 % lease buyout with Autopay. Turns out they don't offer 2.91 % and they do not offer lease buyouts. I deleted my social security number before I submitted the app. The language stated the social security number would give them a more accurate determination. However, without the social security number they would provide a range. Both were false statements. They some how encrytped the number and had it when Autopay rep called. I was told they don't have 2.91 % even though it's on their website. I started getting calls from TRESI a company affiliated with XXXX. I never applied for a loan with them. Their representative called me to put an application in and I refused. I never applied for credit with them. 

I received a notice of adverse action and I never submitted an application. I never gave them my social security number. I have superior credit score and I demand action. This is outright fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: M.L. Zager P.C. (NY)

Complaint:
I have an account with my daughter, not only was it her student loan money the account had under XXXX dollars, which by New York State law is exempt and the creditor can not take this money. Also on the NYS Collecters Association there is an explanation on how certain money in the bank is exempt. I explained to the bank and the third party creditor and none of them knew this law existed. I believe the money was taken out against the New York State Levy Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Complaint:
This is unfair. I have sent multiple letters to all 3 credit bureaus but never did I receive any correspondence. I have been asking for proof that these negative accounts in my credit report is reported truthfully yet nothing has come to light and not provided me with copies of any documentation associated with these accounts bearing my signature, authorizing an hard inquiry. These unverified accounts affects my scores badly.

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 2018-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: STERLING JEWELERS, INC. (TX)

Complaint:
The problem continues to exist after repeated attempts to explain I make the payment in the store and it is never recorded until several days later. Almost every time, the collections are calling when the payment has already been made. Then they try to explain that it does not update right away. We are requesting XXXX XXXX jewelry to stop reporting late payments and remove the 30 day late and acknowledge there is a delay in payment being processed!!! I further request proof of being late thirty days. I always make my payments in store several days after the XXXX of the month, but never 30 days after!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
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: Experian Information Solutions Inc. (TX)

Complaint:
This company began trying to collect on this debt in XXXX 2015. Fortunately, this company is not licensed or bonded in the state of Texas to collect a debt. By law, they are to remove this debt from our 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 2023-07-29
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. (SC)

Complaint:
I have sent many letters with no response. Attached is the letter showing all of the accounts that need to be verified with the creditors. 

Please verify the account number, account type, account status, monthly payment, date opened, balance, high credit, credit limit, past due amount, payment status, last reported date, comments, date last active, and date of last payment. They appear to be incorrect.

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 2022-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Complaint:
Portfoliocovry calls from a different number every time. I spoke to a female and explained she has the wrong number and she said she will remove the number from the list but everyday I get the same call about the same person and from a different number of whom I do not know.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
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. (SC)

Complaint:
I Tried reaching out to this Bureau several times about accounts that are reporting on my credit that do not belong to me! this information is fraudulent and i want it investigated and removed from 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 non-monetary relief