hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (VA)

Complaint:
I submitted disputes with XXXX and XXXX and both were closed. I have a XXXX balance as I paid off my mortgage with chase nearly a month ago. It is still on my credit report with a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (MN)

Complaint:
My loans were rehabilitated into a XXXX XXXX XXXX Loan over 10 years ago. I was told at that time that my loans would be eligible for discharge and/or forgiveness. I was granted a Total and XXXX XXXX XXXX approximately XXXX  years ago, but my loans were never discharged from the Consolidation Loan. The other party on the loan has been working in a low-income, PSLFXXXX XXXX for over 10 years and should have had her portion forgiven under Public Service Loan Forgiveness XXXX but she has repeatedly been denied. Every time I have inquired about the XXXX XXXX and the PSLF rejections, no one seems able to explain why any of this is happening or how to fix the problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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. (AL)

Complaint:
Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 168li ( a ) ( Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me?

I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

I demand the following accounts be verified or removed immediately. 

XXXX Account # XXXX Validate Account *XXXX  Account # XXXX Validate account I also read where I can get the updated report after you investigate this from the XXXX XXXX XXXX. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
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. (VA)

Complaint:
I have disputed these very accounts last month however the 3 major credit bureaus have ignored my request for physical valid certified documentation in support of their reporting efforts. These accounts have been placed upon me and my report fraudulently and I'm demanding that they be removed immediately. I would like your reporting agencies to provide me with the Method Of Verification used in this process., and/ or remove this accounts as of my consumer rights. 

1 ) XXXX {$870.00} 2 ) XXXX XXXX XXXX {$1200.00} 3 ) XXXX XXXX XXXX XXXX ) XXXX   XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX 9 ) XXXX/ XXXX Please block the above accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Complaint:
n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXXXXXX XX/XX/2021, 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 an 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 explanation
Consumer complaint received 2023-07-17
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Complaint:
I was approved for a new Venture credit card from Capital One on XX/XX/2023. The physical card was shipped to me on XX/XX/XXXX, XXXX was no tracking link provided for this. I waited to receive the card, but in the meantime I was able to use the credit card via a Virtual credit card number provided to me within the CapitalOne mobile app. On XX/XX/2023 I noticed in my app that my physical card showed as activated. I immediately went to recheck my mailbox and the surrounding area but not see any card. I also noticed a suspicious transaction of {$280.00} on my account to the merchant : XXXX XXXX  XXXX XXXX ( Capital One customer service informed me that this was an ATM transaction - cash advance - and XXXX XXXX  shows this location in XXXX XXXX, CA ). I was worried and proceeded to call the Capital One customer service line at XXXX on XX/XX/2023 to report the missing card and fraudulent transaction. The customer service representative told me that the transaction was done at an ATM at XXXX Pacific Time and that my card was activated via their IVR service. The card was blocked but Capital One has denied my fraud claim and I have lost the transaction amount plus interest and a cash advance fee as a result. 

I have since called Capital One several times to get support on this issue and have spent easily over 1-1.5 hours on the call with their team. I have been unable to appeal my decision or get any insight into - what phone number was used to activate my card- and how they came to their decision in my case. Their customer service team has been the height of unprofessionalism in all my engagements with credit card companies. They keep transferring me from person to person and no one takes responsibility to provide support in my case.

I have reported my case with the FTC but am at a loss on how to get my money back from this situation. I also maintain an HYSA account with Capital One, and have a strong credit report but they seem to not value that in their determination at all. 

1. They did not provide a tracking link for their physical card delivery 2. They allowed a third party using a phone number unrelated to my account, to activate my credit card 3. I have claimed responsibility for all other ( much larger ) transactions on the card, made with the virtual card number- and have only pointed out the cash advance which was done fraudulently and is a type of transaction I was not even aware of 4. They have caused me stress, mental strain and wasted hours of my time without providing adequate service and details on this issue, and refusing to even let me appeal it. I am on hold since 20+ minutes right now and no support.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-04
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: Navient Solutions, LLC. (SC)

Complaint:
In XXXX after my credit score dropped almost 60 points Navient reported my loans 90 days past due but I did a deferment. I was not notified by Navient before deferment ended. I submitted a dispute the same day Navient put a forbearance in place that I was not aware that I had available to me. On each loan with XXXX and XXXX XXXX I placed reporting wrong and in forbearance. Yesterday XXXX sent me a notification that my dispute was completed and Navient changed nothing and left all loans as is. I called XXXX and they told me to upload proof so I did. This morning I got another notification that another dispute was opened giving Navient another 30 days to fix it. I brought this to Navient attention yesterday and quickly they reported to XXXX XXXX that my loans were current. Also I called Navient about the Settlement list and they would not provide any information at all. I called the Sc Attorney General 's office in SC and got a call this morning stating I wasn't on the list and I have loans that were private and also loans for for-profit schools. And again Navient will not give me any information. I have had nothing but headaches with Navient since they were Sallie Mae. I did a rehabilitation in XXXX for Navient loans and was told by XXXX the guarantor that I could have those loans transferred to my other servicer who is wonderful but that never happen. For the damage to my credit I would like to sue Navient and XXXX. The loans for XXXX XXXX also belong to once was XXXX XXXX. In XXXX I believe XXXX XXXX switched the name to XXXX XXXX. I only had a few months left until I finished and they made me start all over again and take out loans for classes I already took. XXXX  XXXX took a numerous amount of financial aid from me and when my step dad passed I took a short break and when I tried to return I was denied entry. The dean said I had attended too many colleges???? I just attended there almost a year????? They were also a for profit school that closed down along with XXXX. My XXXX  XXXX loans are with XXXX I believe. I asked Navient for the forms for forgiveness on those loans and they stated they didn't have the forms and that if the school did not close I probably wouldn't get. I am so so upset and tired of Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
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. (CA)

Complaint:
A student loan with XXXX was closed XX/XX/XXXX. The last payment on this loan was XX/XX/XXXX. This loan was granted a forbearance, XX/XX/XXXX, for 13 months, until XX/XX/XXXX. However, XXXX closed the account XX/XX/XXXX, with any reason. They have been unwilling to provided documentation after I requested it. They never stated why the account was closed while the loan was in forebearance.

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 2022-01-06
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. (AL)

Complaint:
I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX is the company that is reporting this to XXXX and XXXX. They removed it on Equifax but they were not able to remove it on XXXX and XXXX. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (CO)

Complaint:
IBR with PSL forgiveness tracking that was suspended/put into forbearance during Chapter XXXX   Bankruptcy ( not tracking qualifying payments since bankruptcy filing ) XX/XX/XXXX. On discharge was placed on an additional administrative forbearance until XX/XX/XXXX because opened investigation into school 's lending practice as the degree that I earned is longer offered by the university due to the number of complaints received by degree holders unable to use degree and not being prepared to sit for the national certification that should go with the degree but is separate.

I NEVER REQUESTED ANY FORBEARANCE. Bankruptcy notification is required by law. During this entire process, my PSL is suspended, payments are not being counted towards the 120 month qualifying payments for forgiveness and that is wrong since Federal Student Loans CAN NOT BE DISCHARGED IN BANKRUPTCY. I am now out of 12 qualifying payments that should be counted towards PSL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-31
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. (NY)

Complaint:
I've attempted to fix this multiple times. Company is reporting debt that I believe is either expired ( over 7 years ) or completely non existent. According to the records of the party they are reporting this debt is 4 or 6 years old depending on the source they provide. Please note that based on the XXXX balance on a XXXX credit limit two options could have occurred. Company they are acting for as an agent is attempting to collect/report on debt over 7 years old or engaging is usury under XXXX law ( 16 % civil, 25 % criminal General Obligations Law - GOB 5-501 ) I've attached an analysis of compounded interest to prove my point. 

( credit limit on original defaulted card ) {$300.00} USURY RATE Compounded Int Running Balance 1 16 % XXXX XXXX 2 16 % XXXX XXXX 3 16 % XXXX XXXX 4 16 % XXXX XXXX 5 16 % XXXX XXXX 6 16 % 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 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Complaint:
I had a XXXX Credit Card that was issued by XXXX XXXX XXXX but serviced by XXXX XXXX XXXX XXXX. My card did fall behind however I called them in XX/XX/2022 to make a payment to prevent charge off. I made a payment that day of XXXX on the phone and advised I will be paying this account in full before the next pay was due. I asked would the {$56.00} payment be enough to keep the account open and prevent chare off and I was advised yes. I called back a week later to set up the payoff of the balance and learned my account was charged off anyway and sold to XXXX XXXX XXXX XXXX. I tried to speak with someone at XXXX to tell the, this was an error but they refused to speak to me and stated I needed to call XXXX XXXX. So I called XXXX XXXX and set up the payment to pay the account off in full ( {$1000.00} ) on XX/XX/2022. XXXX XXXX only had my account for less than 10 days so they never reported to my credit. But XXXX reported the account as charged off. I filed a complaint with the XXXX  and this was the only time I got a response from XXXX. They stated they would pull the account back and remove the charge off in 30-60 days this was XX/XX/2022. On XX/XX/2022 XXXX has pulled the account back from XXXX XXXX and started the process of removing the charge off but only from XXXX. Then today XX/XX/2022 I was notified that the balance of {$1000.00} has reappeared on my credit. I called to find out why and XXXX stated they don't have the funds from XXXX XXXX although XXXX XXXX did confirm my pay off on XX/XX/2022. I asked XXXX to stop reporting this balance since it was paid to the company they sold it too and it is not my fault they is a break in their process to get the account back that they sold. The payment was made therefore I am no longer responsible for the balance yet they are still reporting as if I never paid the balance in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OK)

Complaint:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
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. (MD)

Complaint:
I have been in dispute with XXXX XXXX  since XX/XX/2019, I have disputed the contract upon which the credit was created to place a mortgage upon my residence. Instead of trying to resolve the matter they have decided to ruin my credit by reporting negatively to all three of the major credit reporting agencies. They have reported the disputed account as delinquent or late instead of disputed. I have told them that what they were doing was illegal and that as long as the account was unresolved in dispute they can not report it as an attempt to harm my credit. They continue to report the account in a negative manner, thus ignoring, my dispute and the Federal Statues that protect me as a consumer. 

I have sent a package to your office with all of the documents regarding my dispute with XXXX XXXX, I am sending this additional complaint because I received a credit alert and when I checked it XXXX XXXX had placed another derogatory entry on my file.

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