hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-02-22
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Equifax XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance.

I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: LOBEL FINANCIAL CORPORATION (NV)

Complaint:
XX/XX/XXXX i got a car loan through Lobel Financial in XXXX XXXX California. In order for me to drive off the car lot, I had to obtain and show proof of full coverage auto insurance which we maintained while having the car. We moved to XXXX XXXX NV in XX/XX/XXXX. In XX/XX/XXXX they repossessed my car. They told me that I owed {$240.00} for extra fees for not maintaining insurance. We had brought our account current and were only missing the $ XXXX that I refused to pay because we in fact had full coverage the entire time. They repossessed the car unfairly. When I called them the same day it was repossessed I was told that they had to re-evaluate my account and let me know how much to pay to get the car. They did not reach out to me for 3 weeks and said that i needed to pay {$1100.00} + the repo fees and the storage fees. I could not afford that. They continue to increase the amount owed by at least {$300.00} every month on my credit. My car should have NEVER been repossessed. PLEASE HELP, I am working on my credit and trying to just have it removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
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: ADIR INTERNATIONAL LLC (NV)

Complaint:
XX/XX/2017 XXXX XXXX info Hard inquiry on all three credit reports never authorized to run my credit and have never heard of that company. 

XX/XX/2017 XXXX XXXX Hard inquiry on all three credit reports never authorized to run my credit and have never heard of that company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MA)

Complaint:
I am seeking the legal dates of first delinquency on my former XXXX XXXX, now Navient, loans. Navient 's website, my recollection, the Navient phone reps, and my credit reports all disagree. Despite emails to Navient and phone calls and multiple requests to speak with a supervisor, I am given multi-levels of conflicting and inaccurate information. I believe that Navient has purposefully misstated the original delinquency dates in it 's records/credit reports to manipulate me into paying the debts. I am currently paying their collection agency, but some Navient representatives say they do not even have access to the name of the collection agency, that the Navient website no longer works, that the Navient website does n't get updated anymore, that the Navient website is not updated for people in collections, and that the website works fine and there is no reason for someone to have told me that. No one seems to be able to access my records other than to give me inaccurate delinquency dates. I am trying to obtain a legal document in writing detailing my dates of delinquency for each loan. I have tried to reach someone to explain why I think that they have the dates wrong, and to discuss searching for the correct ones, but I have been unable to reach anyone who can help at Navient. Furthermore, I was told repeatedly that I could not speak with a supervisor. Eventually, after arguing my case for getting a supervisor on the phone for an hour, I was transferred to someone 's voicemail that was so garbled, I did not even understand the name of the recipient. I left a detailed message asking for a call back and have not received XXXX. Therefore, I am concerned that said document may be inaccurate anyway and would prefer to discuss live in addition to receiving a written letter ( not an email ).

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: Experian Information Solutions Inc. (FL)

Complaint:
This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that XXXX the XXXX whos disputing the item that is UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of item that is UNKNOWN to me : XXXX XXXX XXXX  XXXX Open Date XX/XX/2020 Balance : {$11000.00}

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 explanation
Consumer complaint received 2023-06-18
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: EQUIFAX, INC. (PA)

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 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 an 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 information, other then records of convictions of crimes which antedates the report by more then 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
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: Experian Information Solutions Inc. (IL)

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 explanation
Consumer complaint received 2019-03-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Complaint:
I have been fighting all 3 bureaus for the past 10 year to get them to comply with the law. They openly refuse. They deny - claiming they have no ID info -which they refuse to keep on file. They deny claiming they have answered ( by providing ZERO information ) complaints-therefore they must not answer complaints on existing files which they must get paid by someone to continue to extort me on. They resell said dated info to make it reflect current- then UPDATE said info and entire files instead of removing ANY INFO. THEY DO NOT COMPLY but state they do - with FCRA/FCDPA and other laws. They only respond to YOU to release my files- ( I could be someone else ) by mail ( which has been intercepted ) and REFUSE despite USPS federal investigation to remove inaccurate information about me- concerning verification of my files to APPROVE ME as an editor on my own account. I have provided factual info- yet all bureaus refuse to acknowledge this. ALL BUREAUS track and intercept credit and other data ( stalking ) without my permission and continue to abuse me based on inaccurate data they have no intention to correct. bankruptcy is an extortion attempt on debts not legally owed.

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 2023-03-17
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: Experian Information Solutions Inc. (ND)

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

The following creditors have violated my rights. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
In accordance with the fair Credit Report Act XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX Has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right privacy.

15 U.S.C 1681 Section 604 A. Section 2:11 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 2018-05-29
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: Experian Information Solutions Inc. (FL)

Complaint:
XXXX closed the account around XX/XX/XXXX and charged me several ETF fees for lines that I never signed a contract for. I've contacted XXXX, they say contact the collection agency. I am not interested in dealing with a belligerent collection agency. 

I've disputed the results with all 3 agencies. Experian is just closing the dispute with no additional information. They are now refusing to open a dispute despite never providing me any information on this account. I'm waiting on responses from XXXX and XXXX. 

Experian dispute report # XXXX. 

Here is what is wrong : The amount is incorrect by a significant amount, at least {$1000.00}. 
The account reports opened in XXXX. I have not had an account with XXXX since XXXX of XXXX. 
It somehow reports that payments were due and have been missed. Again, I have not had any account since XXXX. 
I don't even know if this is related to my actual XXXX account or if it is somehow someone else 's account. Nobody will tell me anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (CA)

Complaint:
I applied for loan consolidation and selected XXXX XXXX as my loan servicing company. We discussed public service loan forgiveness but was not sure if I qualified because I worked through registry XXXX XXXX XXXXXXXX  and also XXXX and XXXX XXXX XXXX XXXX and I also worked in rural XXXX XXXX XXXX and in rural XXXX in XXXX Most of the time I had not made consistent payments and even when I asked for confirmation from my registry I never received a response. I told the agent at XXXX XXXX that I may not claim past public service because I was not able to go back and trace my prior managers to get them to sign as I do not have the money nor the time to travel and accomplish all of this. I went ahead and filed for loan consolidation with XXXX XXXX. I never received confirmation and when I followed up I was told by XXXX XXXX that they never received my application so I contacted Studentaid.gov and was told that Fedloan was my servicer. I was very distressed to find out that they assumed my loan. I do not want them. I was told that they will cancel my loan but I never written confirmation that they will do that. I resubmitted a paper application and uploaded it to XXXX XXXX for loan consolidation. I want to make sure that Fedloan DOES NOT assume handling of my loan. Fedloan has poor customer service and I do think they are diligent.Each time I call with a problem I stay on hold more than 30 minutes and they never provide written confirmation of anything. I want Fedloan to cancel the loan consolidation so that I can consolidate my loan through XXXX XXXX. I WILL NOT be applying for public service loan consolidation at this time. Therefore, there is no need for Fedloan to service my student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
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. (OH)

Complaint:
I received a statement of credit denial from XXXX XXXX XXXX XXXX Ohio office stating I was denied a pay day loan for which I never applied for. The statement also says that I was denied due to " credit product not available '' I called the phone XXXX. They said they would forward my name, phone, and email address and check into it. I get an email back stating that the account??? Was opened with your personal information. They also want me to fill out a more detailed report with even more personal information and have it witnessed by law enforcement. Of course this is a voluntary report. I used to work at XXXX XXXX XXXX corporate office in the accounting Dept. Years ago. I know what a pay day loan is., I also know scams but the paperwork is very professional. Should I be worried, also someone could be pretending to be from XXXX XXXX XXXX to  gain information. Help!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (OH)

Complaint:
I did a balance transfer, and it took place on XX/XX/2022. My due date was XX/XX/2022. The transfer was confirmed by XXXX card on XX/XX/2022. On the XXXX of XXXX Aspire charged me interest, yet I had a XXXX  balance. They posted my payment on the XXXX and then later through an investigation realized I WAS CORRECT and removed the late fee but to date has refused to remove the interest and KEEPS TELLING ME they are reviewing it when I ask again and then charge more interest. They have been extremely difficult and string you along for hours in chats, mocking you as well as in emails, all the while telling you they need 2- business days to review and NEVER RESPOND.

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