hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-10-16
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. (GA)

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, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX XXXX 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 2021-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Complaint:
The first week of XXXX, I went to my bank, Citizens Bank to get my account number to file my 2020 income tax returns. On that day, an employee of the Bank, a teller had me at his window and asked that I swiped my Debit card. After that he suggested to dictate the number to me which I refused. I asked him to give me a print out instead. He gave me the print out with my name on top then an account number and the Bank routing number. The next day I went to my accountant to have my return e-filed and directly deposited my refund. Few weeks later my refund never reached my account. I called the accountant who told me that my refund was deposited into my account few weeks ago. I checked my account again with no success. The accountant had suggested that I return to the Bank. I went to Citizens Bank located at XXXX XXXX XXXX, XXXX MA to enquire about this. I spoke to an employee who told me that the account number that was given to me belongs to a bank employee. My refund ended being deposited into the following account XXXX and routing number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MO)

Complaint:
Navient has had a glitch in their system for 3 years, which I just found today, that shows that I owe {$0.00} each month on a specific loan. Where in actuality, I owe a specific amount each month and am being charged a very high interest rate and they are just sitting there collecting the accrued interest and money that I will someday have to pay back. I called and asked about this issue and they told me that it shows that I owe a certain amount each month and that it is in fact a glitch on their part. I asked them if they are going to waive the past 3 years of interest it accrued unbeknownst to me and he told me No, that it was my fault for not catching it sooner and that it specifically tells me each month on my statement that that amount is due. So I pull up the statement and it shows the loan, but everything says {$0.00} and every time I would go and try to pay on those loans as a group, it would always tell me there was {$0.00} to pay on it. I just assumed that it was the loan I paid in full a few years ago and showing that I owed {$0.00} on it. This is not the first time that something like this has happened with them. They have repeatedly wrongly allocated payments and charged me late fees, pushed me into forbearance multiple times, denied my release of cosigner after they told me I would be approved, caused confusion from their terrible user navigation on their website and automated phone system, locked me out online, and now this shady business of a " glitch '' in their system that they claim is my fault. I wish I would have never done business with them. It 's funny how easy they make giving you money and how hard they make it to repay them. They have caused so much stress to my life these past 5 years and I am currently seeking how to not have to do business with their company anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (SC)

Complaint:
I have tried multiple times to talk with these folks to resolve a matter from XXXX that is not mine. They are very rude and unwilling to work with you so at this point I am asking that the debt be removed from credit reports. All 3

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
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. (PA)

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than - business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-11
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. (MI)

Complaint:
We started using XXXX XXXX XXXX in XX/XX/XXXX. This Account was on both my husbands credit report and on my credit report. It has been taken off my husbands credit report but is still on my credit report As of today XX/XX/XXXX it's still on my credit report. When XXXX XXXX sent them letters they responded Dispute Resolved / Consumer Disagrees. The company we are disputing is XXXX XXXX XXXX XXXX XXXX, the Account is paid off. So why is this still on my credit report and has been taken off my husbands credit report? My name is XXXX XXXX XXXX XXXX and my husbands name is 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 explanation
Consumer complaint received 2022-07-19
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. (LA)

Complaint:
I submitted a letter to Equifax Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 
DPEDXXXX XXXX Balance : {$0.00} DPEDXXXX  XXXX Balance : {$0.00} DPEDXXXX XXXXXXXX Balance : {$0.00} DPEDXXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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. (NC)

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
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:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-03-06
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: EQUIFAX, INC. (SC)

Complaint:
Recently have went to apply for a loan from my bank. They told me they could not find a credit score for me from Equifax. The other two credit bureaus report fine for me. I have already checked with all of my accounts and they all report to equifax and have been reporting effectively to them. They, being Equifax, say I have no credit file and that I need to send in documentation showing who I am, for example SSN, drivers license, etc. I have faxed over everything they have requested 3 times. Yes ... .3. And still nothing has been resolved. They still tell me I have no credit file. I have requested them to create me one and they still have not done so. They continuously send the same paper in the mail telling me to mail them the same documents I have already mailed 3 times. I am getting no where with them. They either don't care, or just don't fell like taking the time to help. Again, all of my accounts have been reporting to them so this is definitely an Equifax issue. I've been a US citizen all my life and have a car loan and a credit card and I am an XXXX  XXXX  XXXX, who receives financial aid. This problem is affecting my life and needs to be resolved. I have done everything on my end. This company just won't do their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

Complaint:
I complained back in XXXX about my Chexsystems information being incorrect. 

They have my middle initial a C when it should be R. 

Chexsystems told me the report was given by a bank sometime ago, most likely a credit card I tried to apply for years ago. The middle initial in their data base with the letter C is incorrect. 

They refuse to correct that information. 

I believe that is why banks, etc. have turned me down several times. There was a time when identity theft was being committed towards me back in 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 explanation
Consumer complaint received 2018-01-22
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. (AL)

Complaint:
I have no knowledge of any accounts with XXXX XXXX Ive never ordered anything or received any services from this company. Ive repeatedly disputed this account with each credit bureau and asked for validity of this account. No one has ever sent me any signed contracts or anything verifying that I own an account with XXXX XXXX or that I owe them any money. This account is negatively affecting my credit and hindering me from obtain any good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
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. (PA)

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.

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 2017-09-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (IL)

Complaint:
On XX/XX/XXXX I made 2 payment via XXXX bill pay to Wells Fargo Dealers Services. The first on in the amount of {$4900.00} was a payoff of the car loan and second in the amount of {$3000.00} was made in mistake. I called WF to explain what happened that I 'm owed over payment of {$3000.00}. After few calls, they locate that money and said they will issue a check on XX/XX/XXXX. I waited and waited and called them yesterday since it 's been over a month and I have n't received anything yet or seen anything in my bank account. They said that they sent a check to Payment Processing Center, XXXX XXXX XXXX on XX/XX/XXXX. Why I asked they why they sent it there, they had no explanation. It should have been sent either to my home address on a loan or via direct deposit since payment were made through bill pay. I asked them to put a stop payment on a check and issue a new one and send it to my home address. They refused because it was cashed on XX/XX/XXXX. I called a bank 3 times yesterday and they can not locate anything. I asked WF about prof of being cashed but they refused to send me anything. My hands are tied now, bank says they do n't have anything and WF claims the money was sent! What am I supposed to do now? I spend 2.5 hours on the phone yesterday going back and forth and nothing! And XXXX XXXX XXXX? It sounds like scam! If I were late on my car loan, I would have been charged late fees. I not only can not charge late fees on my {$3000.00} that they have but ca n't even collect my money back from 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 non-monetary relief
Consumer complaint received 2017-03-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AR Resources, Inc. (VA)

Complaint:
I sent a request to validate this account I have no knowledge of on XX/XX/2016 and I never heard back from them with an original invoice supporting these alleged charges as requested. This is a violation. I will file suit in small claims court if not removed immediately by AR Resources. I also have proof ( recordings ) that they continued to call me at work after I requested them not too verbally and in writing. They have reported this alleged and unsubstantiated debt to XXXX, XXXX and XXXX which is has caused damage to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
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:
I'm accordance with the Fair reporting act XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX violated my rights.

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

15 U.S.C 1681 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 2015-12-09
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC. (OH)

Complaint:
Kay Jewlers or " sterling Jewlers '' would call me 15-20 times DAILY. They called my wife/sibling/and even my aunt and have no idea how they got their numbers. They would ask my family me XXXX person information about me in which none would disclose. They would call from XXXX different numbers so I would never have any idea who was calling. The repeated calls would only lead to XXXX XXXX voicemails a day. This was extremely embarrassing in the workplace as my phone would constantly ring during meetings. I requested them to not call anymore and to just email/mail. This did not work. Each time the person would state they are from the home office of Kay Jewlers ... But had phone numbers from various parts of the country. I never knew if it was a scam or not. The individuals who called claimed I only had weeks to make it right or serous consequences would happen to me financially. This scared me as I could easily lose my job if this were to happen. I was forced to surrender my belongings out of fear of this which amount to {$1600.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc. (PA)

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX I had overseas health insurance ( I am a US citizen and was living in XXXX and they had very comprehensive travel insurance ) which paid in full the XXXX XXXX Emergency Physician, but it did take a bit for the hospital to negotiate with them. I handled the situation with AR Resources ( XXXX XXXX XXXX XXXX ) several years ago. Obviously, from my credit report their fees from 2019 were dropped. Suddenly, out of nowhere, these fees once again popped up but, this time, with a double entry and new minor fee. In fact, the lower fee of {$86.00} never existed. The {$930.00} fee is also a double entry. This is obviously an attempt to get me to pay as the way the entries are logged in they create multiple dings to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Complaint:
I have tried to address this issue with this company I never heard of called XXXX. They are saying I signed something for them to run my credit on XX/XX/2019. 

I have called this company a few times and they had emailed me months back with a report to proof I am me and how if I did that they would remove this hard pull which I sent them my photo id to provide I am who I say I am and that I never authorized anything with there company. 

From what there company rep had said this would be removed from my credit report as long as I proved I am me. Which I feel I did. So I am unsure as to why this is still on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Western-Shamrock Corporation (TX)

Complaint:
Western Shamrock has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation