hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-06-27
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:
On XX/XX/ I contacted XXXX XXXX XXXX in writing to discontinue reporting the fraudulent collection account XXXX to my credit report as you are in violation of FDCPA. On XXXX  I contacted XXXXXXXX XXXX XXXX XXXX in writing to discontinue reporting the same fraudulent account XXXX. To date, XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX  have responded to my request or discontinued reporting the associated fraudulent account to Equifax, XXXX, and XXXX XXXX XXXX XXXX. I did not request or obtain credit from XXXX XXXX XXXX XXXX nor am I liable for any debt to XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX, or any factoring company. In addition, I have filed a Police Report regarding these fraudulent accounts with the XXXX Police Department and attached my FTC Identity Theft Report and provided copies to Equifax, XXXX, and XXXX Credit Bureaus to dispute and delete this fraudulent collection account and any inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
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. (AZ)

Complaint:
I had a closed account for internet with XXXX. 
I was on a payment plan. 
Due to family illness I missed a payment. 
Without notice they flagged the account for collection. 
When I called I was told it was not in collections. 
I told them my credit took a hit. 
I called several times until I got ahold of someone who agreed to delete it for payment. 
After they took payment they stopped taking my calls. Threatened me. 
discriminated against me on the phone telling me they would never help me and I was a XXXX who should have paid it. 

They were sued earlier this year for FRCA violations and negligence in XXXX XXXX XXXX for exactly the same behavior. 

I need the account removed from my credit because in a recorded phone call they promised to delete in exchange for payment. This is a verbal contract and is in fact enforceable by law. They way in which XXXX bullies people and collects debt is criminal and they need to be punished. 


My complaint is against XXXX. XXXX, XXXX and XXXX. All of whom have a judiciary duty to protect the rights of consumers under the FCRA and all of whom have failed to do so for me and many others.

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 2022-07-21
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: Experian Information Solutions Inc. (SC)

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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 explanation
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Complaint:
One of my credit card company refuses to remove a 30 day late. I have never been late and the card has always been on autopay. I have disputed the account 3 times and have never received anything from the credit card company with explanation.

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 2018-04-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TN)

Complaint:
My name is XXXX XXXX. I cosigned a private loan for my son XXXX XXXX XXXX since then Navient bought the private loan from the original lender who was Sallie Mae. The interest rates changed since the original loan and I contacted Navient just recently due to the fact that I am retired and XXXX and my son has become XXXX since then. Navient informed us that they would be sending forms for us to assist us but instead sent us a notice on XX/XX/2018 to inform us of an increase in repayment amount from XXXX a month to XXXX a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

Complaint:
On XX/XX/XXXX, Santander charged a " Monthly Fee '' from XXXX to XXXX for a total of {$30.00} to my checking account. I called Santander on XXXX to dispute this charge because it's never happened before. I spoke to a representative that said they could do a " courtesy '' by waiving this fee but stated the reason was because I was required to hold a total of a {$20000.00} balance in order to avoid the fee. Considering I had a " {$0.00} '' balance since my last HELOC was satisfied in XXXX, a recurring monthly fee of {$30.00} was never charged to my account. I asked the representative if the criteria changed w/my checking account without me knowing. She said it did not, but proceeded to tell me the {$20000.00} requirement. She failed to answer my logical question on what happened for the past 5 years prior to using it again to pay on a PSL, and the fee was NEVER deducted. She said nothing changed, agreed to waive the {$30.00}, but then said, " now you have been informed of the requirement of holding a {$20000.00} balance to avoid future fees, {$30.00} will be the monthly fee ''. This is an outright UDAAP, and I told her so. This is EXTREMELY deceptive, and makes absolutely no sense, nor did the lack of assistance from the CSR I was dealing with. While she said she understood what I was asking, she continued to say nothing changed with my account ( if nothing changed, why was I never charged this fee before ), and " NOW THAT I KNOW THAT $ XXXX is required, as long as I don't hold that level of balance, I WILL BE CHARGED a $ 30 monthly fee ''. This is the comment that influenced this complaint submission.

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 2021-06-23
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: Global Lending Services LLC (CA)

Complaint:
During the pandemic it seems that my credit was ran to try to obtain a car. I do not have any open accounts for a car in the last year. I have been calling to get the inquires removed as this is a reflection on my three major consumer reports. Also the information does not match across all three reports and due to that information alone the inquires must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Complaint:
still calling about the same issue I want my late payment refunded now I get a letter from a capital from this XXXX lady she XXXX  me a letter I have tried to call her back several times and I can't get a hold of her ever I have left several messages with her and she does not return my call I am going to keep fighting this until these get reunded

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (MI)

Complaint:
I am A XXXX Veteran being treated for XXXX XXXX by the VA hospital in XXXX. I do some time remembering thing, but it does come back. I had two Discover credit cards XXXX and XXXX, which I stop using in XX/XX/XXXX due to them not Honoring the payment protection plan that they made me carry that was ruled illegal by a federal court in XX/XX/XXXX and again in XX/XX/XXXX. Discover sent in negative credit reports to the credit reporting people wall rising my credit limit to {$30000.00} each card. And then charging me for transferring money to some account in cyber space. They claim it was hackers or computer problems. But this was what the courts in XX/XX/XXXX and XX/XX/XXXX ordered them to stop doing! It was proven that employees were doing this! It seems that they believe that due to the Federal court being in New York the federal orders do not apply to people in Michigan!!! I have been hassled by them for over 6 years, them charging my cards that I stop using for money transferred to cyber accounts in XXXX XXXX. Saying that they would take me to court and put me into jail, or take my home if I did not pay. In addition it seems that Discover has giving my SS number to people who have NO legal right to have it!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2021-06-08
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: SCA Collections, Inc. (NC)

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2020-03-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (DE)

Complaint:
Tdbank processed a transaction against my debit card for a yearly car insurance policy which overdrafted the account even though I declined overdraft protection. They then did bill pays and charged additional fees again for these legitimate draws on the account. The first transaction was not declined as per the law. The first overdraft created a negative situation that would not have happened if they declined it as they are expected to do when overdraft protection is declined. They argue it was a legitimate overdraft, and hit me 2 other times with additional overdrafts even after I transferred funds from another td account before the other bills were paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
I'm reviewing my credit report as I feel is very important. 
So you are telling me you got on the phone and called each creditors and send aIl my docs and youd did a fu ; ll comparison between what i saying and what they send to you and you found they were correct? I highly doubt it. 

XXXX XXXXXXXX XXXX Acc # XXXX ... 
XXXX XXXX - Account Number XXXX XXXX Card - Account Number XXXX XXXX Card - Account Number XXXX XXXX XXXX XXXX - Account Number XXXX XXXX - Account Number : XXXX Delete the above and send me a new report. 
And last and more concerning is my XXXX XXXX XXXX account XXXX, I paid my XXXX XXXX on time every month but your reporting shows as a negative account. Last Payment made on XX/XX/XXXX Account Closed on XX/XX/XXXX Pay Status shows ( Paid As Agreed Never Late. 

This is proof you never really verified this account at all. Update Update this account to shows as positive as it should be

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 2023-05-03
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

Complaint:
XXXX investigation has not resolved an issue where my Infiniti Financial Services account continues to show payments past due for XXXX and XX/XX/2023. Infiniti granted a 2 month extension to my loan and shows on the credit report that no payment was due for XXXX and XXXX, but the report continues to show a status of 30 days late for those months. I have sent in the document providing that those two months were waived, however no one has removed the late status in that payment history. All of the other history for those two months aare correct as it shows no payment due and also no payment made. It should be clear that it should not show payment late if no payment was due. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
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. (GA)

Complaint:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

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 2015-09-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (FL)

Complaint:
Some debt collector keeps calling my work number ( which is a call center ) and leaves a message indicating that they have case in their office that requires immediate attention. There is no contact information left and this happens throughout the day several times. 
XXXX numbers that call appear to be local XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (MO)

Complaint:
Aspire credit card continues to unfairly charge me late fees. I have recently submitted a complaint against said company and got some feedback. However, before I could update my accounts to compensate aspire reinstating the account back active again. They just charged me excessive amounts of fees though the years. My balance should be {$340.00}. They reinstated my balance to over the credit limit immediately!! Unfair business practices at its best!!!! Please have aspire credit card to remove excessive charges from my account so It can rightly be in good standing! Lastly, they just charged me {$41.00} late fee and the account isnt even a week back active!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28
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: LEXISNEXIS (VA)

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 bankruptcy Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (FL)

Complaint:
I put in a dispute on XX/XX/2021 for a transaction I got scammed on. the transaction was for {$2700.00} made on XX/XX/2021. I got an update on the dispute on XX/XX/2021 that the results were not in my favor. I disputed this transaction because I bought jewelry in which the seller told me it had real diamonds, I took it to another jeweler, 3 to be exact and they all told me it was not real, I do have a video of another jeweler saying it was not real. I contacted the seller and requested a refund in return for his fake jewelry he sold me, and he told me no its not his problem, there is nothing he could do about it. Moral of the story he won because he provided evidence that I bought it, in which I did, I didnt dispute it due to fraud transaction, I disputed it because I got scammed. im trying to dispute that dispute and restart the " investigation '' and submit my evidence and I was supposed to get an email but haven't. im disappointed with Goldman Sachs bank and the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
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. (AL)

Complaint:
I have sent 4 letters to Experian asking them to validate some collections, charge-offs and a bankruptcy with the associated accounts on my credit report. I have asked them to provide written contracts and any proof these are mine. To this date, I have not received anything from them and no explanation on how they " validated '' these are mine. I sent a letter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am getting ready to send them my final letter with the intent of filing a lawsuit.

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 2015-07-08
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: DISCOVER BANK (IN)

Complaint:
Finance company is unwilling to work with me in reducing payments to something that is actually reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Complaint:
In 2006 sallie mae had split with Navient. Im somewhere in the middle, it considered federal FFELP but is private. Ive been unable to take advantage of the Pandemic assistance because of this. This whole time ive kept making my paymemts even though i am unemployed. For years Navient had steered me into Forbearance time and time again. Why am i not notified about income driven repayment. Because of the extra pandemic funds i want to settle this debt once and for all, i have had this student loan for 15 yrs. Why will they not settle? Im lead to speak to an attorney for student loans. I have no choice and want to limit further harrassment from Navient and multiple calls per day

Company response to consumer: Closed with explanation