hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

Complaint:
THE COMPANY NAVIENT ; SHOWS MY ACCOUNT 90 DAYS LATE THERE IS NO 30 DAYS OR 60 DAYS LATE ON MY CREDIT REPORT ON XX/XX/22 MY CREDIT REPORT SHOWS CURRENT BUT ON XX/XX/22 MY CREDIT REPORT SHOWS 90 DAYS LATE ON XX/XX/22 SHOWS NO DATA FOR THIS PERIOD NOTE THIS HAS RUINED MY CREDIT SCORE IT WAS XXXX KNOW IT IS XXXX MY DREAMS OF HOME OWNERSHIP FOR MY FAMILY IS GONE UNTIL THIS ISSUE CAN BE RESOLVED I PRAY SOMEONE WITH A HEART READS THIS AND HELPS ME WITH THIS ISSUE MAY GOD BLESS YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
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: Experian Information Solutions Inc. (CA)

Complaint:
Experian has added an account from XXXX XXXX to my credit report. I have notified Experian that this account is not mine and that XXXX XXXX   had failed when requested to provide proof of the validity of this debt. Experian did not require them to provide proof and instead reinstated the item 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 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Complaint:
For Transunion - XXXX XXXX Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought XXXX XXXX. There should be no interest accumulated on this charge off, date of last payment was XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

For XXXX - XXXX XXXX Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought XXXX XXXX. There should be no interest accumulated on this charge off, date of last payment is XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

For XXXX - XXXX XXXX Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought XXXX XXXX. There should be no interest accumulated on this charge off, date of last payment is XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

Furthermore, the bank, which ever the company name is these days is showing MULTIPLE charge off. I was always under the impression that once charged off that was it, it is charged off? I will also be contacted the Federal Banking Regulators among any other company or federal complaint line that I can find to file these fraudulent and fcra infractions that you have been reporting and accepting as valid.

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 2023-04-12
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. (GA)

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2018-01-11
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Key 2 Recovery, Inc. (FL)

Complaint:
I went To XXXX XXXX XXXX XXXX and injured my XXXX and could no longer work. Over the past years Ive made attempts at contacting the companies to try and resolve the debt but could never afford what they ask of me. Theyve always wanted hundreds and hundreds a month!!! I can not afford that! Recently I contacted the most recent company the Key 2 recovery company last year to try to make amends yet again and as I talked To them I told them that I didnt make enough money to make the payments they were requiring of me and I asked repeatedly for lower monthly payments and they refused and said it would affect my credit. I said I couldnt pay anything more and they said they couldnt take any less than all of it. I can not afford {$6100.00}! Its been 10 years! Its on my credit and has been affecting me! 

XX/XX/XXXX Key 2 recovery XXXX XXXX XXXX XXXX XXXX Oh XXXX XXXX There is also another company that is attached to it that is older XXXX XXXX and XXXX Since XX/XX/XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX According to my credit report I owe XXXX to them for the same bill! 

How is it 2 companies can claim that I owe them for the same bill? And report it on my credit monthly as owing {$13000.00}!?? Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
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: Mercedes Benz Financial Services (CA)

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : MB FIN SVCS XXXX Date Opened : XXXX Balance : {$26000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
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. (UT)

Complaint:
XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX # XXXX are double reporting an account on XXXX. This is the same account and it is really old and should no longer be on my credit, as well as they should not be double reporting. The XXXX XXXX XXXX original creditor is the XXXX XXXX XXXX but the XXXX XXXX XXXX is still reporting a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (UT)

Complaint:
In XX/XX/2020, I discovered that an unknown person had access to my bank account. My bank account had to be closed and another account with a new number was opened. I went online to Nordstrom to update my banking information. I attempted to delete my old bank account but was unable to do so. XX/XX/XXXX, I made a payment for {$50.00}. On XX/XX/XXXX, I made a payment for {$300.00}. Unbeknownst to me, I made a payment from the closed account which was the default account ; making me 63 days past due. My statements are set to be delivered via email ; however, did not look at them as I have paid my bill every month on time without issue. I did not receive a phone call from Nordstrom about being 63 days late until XX/XX/2020. I saw the negative marks on my credit report, contacted Nordstrom and they were unable to help me. I have talked to Nordstrom customer service about have the 30-day late mark removed, however they explained that they are unable to do so. I have since deleted my old bank account and brought my account current. The 30-day late payment has dropped my credit score 43 points and it has had a negative impact on my life. I am requesting that the 30-day late payment be removed as soon as possible. I have tried to work with Nordstrom to no avail. I have never missed a payment or made a late payment to Nordstrom and I would like the mistake to be cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: ALLY FINANCIAL INC. (NJ)

Complaint:
Dear Sir/Madam, I deposited a check to my savings account XXXX. The check was returned due to insufficent fund and ally bank charged me {$7.00} for returned check. I understand this is not a bank error but ally bank customer care staff have been very rude and incompetent in handling my fee waiver request. Other banks will give a curtesy fee waiver for first instance. Ally bank provides far below standard customer service and I am filing a complaint about it. Ally bank needs to provide a fee waiver as other banks do.

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 2020-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: West Central Texas Collection Bureau (CO)

Complaint:
I sent a request to validate that a debt on my report is accurate with West Central Texas Collection Bureau for account number XXXX reporting on my XXXX  report. The company responded without providing any validation or proof that the debt is legally mine. 

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. West Central Texas Collection Bureau has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

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 2023-02-20
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. (GA)

Complaint:
This is my further Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXBalance : {$74000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5200.00} XXXX XXXX XXXX XXXXXXXX XXXXBalance : {$0.00} XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX  ) XXXXBalance : {$71000.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and you all are required by law to do so.Please investigate my disputes.Thank you

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 2023-07-12
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. (OR)

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX  : XXXX 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 explanation
Consumer complaint received 2020-04-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CO)

Complaint:
Chase has not suspended overdraft fees during the Coronavirus pandemic. Anytime I'm able to get a small deposit in my account, they wind up going just to cover overdraft fees. They've also purposely structured transactions to result in more fees. At a time when my income has been cut by half, Chase continues to charge overdraft fees. Even worse, they will not respond to me. I've been on hold several times for up to three hours to discuss this with them only to have the call disconnected. I've contacted them through their secure message center and I've contacted them through social media. It's unbelievable the way that they're treating people at a time like this. I need them to do the right thing and stop taking advantage of us during a pandemic.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-07
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MI)

Complaint:
I spoke to a rep by the name of XXXX two weeks ago to get my account situated as far as not receiving statements at my house the representative informed me that they weighed my late fees brought my account to a current status with a payment not due until XX/XX/XXXX at this time the rep XXXX inform me that my account was current no payments were due and my next payment was due for {$40.00} in XX/XX/XXXX I just received alert on my credit report showing me 30 days late and saying I have a balance due of {$260.00} the information is 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 2018-12-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (NC)

Complaint:
The company ERC have been calling my phone everyday at least 3 times a day asking for a XXXX XXXX which I've repeatedly told them that they have the wrong number and this has been going for at least 3-4 months and it is very annoying. No matter what i tell as far as removing my number they always state that they will yet they don't. I would like to file a complaint and lawsuit for phone harassment because they are going to continue to call unless I do. I do not want to go into another year with this nonsense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
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. (FL)

Complaint:
In accordance with the Fair Credit Reporting act 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2021-02-07
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. (FL)

Complaint:
There are numerous accounts listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.

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 2018-08-06
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ECMC GROUP, INC. (NC)

Complaint:
My student loans was with the XXXX XXXX XXXX. I paid automatically every month through my bank. In XXXX XXXX XXXX XXXX started returning my checks so I checked my account online and it said my balance was XXXX. This month I started receiving debt collection calls about my student loan saying it was in default. This was the first I heard of this, I thought my loan was paid off. I called XXXX XXXX XXXX and they said they transferred my in XXXX. I was never informed by anyone. I called XXXX and they said they received my account on XX/XX/XXXX. I never received any information about this. I spoke with a lady named XXXX at XXXX, she said they mailed a letter to an address ( XXXX XXXX XXXX. ) that I have not lived at for 15 years. The letter was mailed In XX/XX/XXXX and she said it was returned because it was the wrong address. There was no other attempt to contact me. In XX/XX/XXXX ECMC took over my account and again I was never contacted. I spoke with XXXX at ECMC and she said they mailed a letter to the same wrong address ( XXXX XXXX XXXX. ) on XX/XX/XXXX. I never received a letter or any information from ECMC or XXXX. My address has always been current and updated with the United States post office and on my drivers license. Also, XXXX XXXX XXXX XXXX has always had my current address. There is no reason I should not have been informed of my account being transferred to XXXX. Then it was supposedly late with XXXX and then it was in default. I was unaware of all this. My credit has been perfect until XXXX and ECMC failed to notify me that they have an account with me.

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 2018-02-05
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. (GA)

Complaint:
spoke with XXXX on XX/XX/XXXX in regards to removing the public record items from my credit report. Question three representatives whether or not my name, address, social security number or birth date was included. The first agent stated no, but refused to remove the information. The second agent refused as well. Placed on hold for a third agent/supervisor who never picked up the line. Items Tax Leins appear on XXXX  and XXXX | Bankruptcy appears with all three agencies Tax Lein Date Filed - XX/XX/XXXX - {$4700.00} Court File - XXXX | Case - XXXX and XXXX Date Filed - XX/XX/XXXX - {$1300.00} Court File - XXXX | Case - XXXX and XXXX Bankruptcy Date Filed - XX/XX/XXXX Court File - XXXX or 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 2022-01-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Complaint:
This is a formal complaint that you are reporting inaccurate and incomplete credit information. I demand that the following account be removed immediately : XXXX XXXX XXXX  Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX This collector or creditor did not provide HIPAA release to be able to collect on this debt. I am proceeding with legal action, should this item not be deleted within the required time by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Complaint:
The company use my work address to send the bill but I never received it! Bill got late 4 months Try to fix the problem with Capital One without success. Company reported delinquent account. The amount was {$3700.00}. I paid {$13000.00} to liquidate the bill. and they still reported negatively.

Company response to consumer: Closed with explanation