hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Complaint:
I have been trying to have Experian update my Name and address to be accurate but they refused to update it after my attempts. My tracking numbers are XXXX and XXXX. 

Experian refused to correct information after being provided proof. 

They also violated my rights under FCRA Section 623 ( a ) ( 1 ) ( C ) - says that you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. 

XXXX. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
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: JPMORGAN CHASE & CO. (NY)

Complaint:
XX/XX/2023, Chase slate card terrible refill to me, even same amount not refill once, refill many times to my account, very clear cheat money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NH)

Complaint:
For over the past year I have been trying to make larger payments on my student loans to help get them paid off. I noticed that my balances barely ever looked like they were getting any lower. I contacted them through email as their phone line is impossible to get through. I was sent back a generic response for if I needed assistance because of inability to pay. I had to spend over an hour trying to dig through information on their website so find out that they were putting any extra money that I clearly stated on my checks was for principal towards interest. This is sneaky and only in their best interest. I want all of my payments fixed!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: ALLY FINANCIAL INC. (OH)

Complaint:
I am who I am the consumer in fact. I have been a victim of identity theft and I have sent numerous correspondence to the companies, filed FTC reports and mailed numerous forms of documentation to this agency attempting to get these negative, and inaccurate items off my consumer report before I seek further litigation. This is my last attempt to have these items blocked. Pursuant to 15 usc 1681c-2all of this information resulting from dentity theft must be blocked within 4 days. I demand it be blocked immediately and I request an immediate copy of my consumer " file '' be sent to my address on file. I never gave consumer reporting agencies consent to furnish reports on my behalf pursuant to 15 usc 1681b ( a ) ( 2 ). Attached its the ftc reports that reflect the accounts that are associated with fraud and i demand be blocked now.

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 2017-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

Complaint:
I have disputed the Federal Tax lien on my credit report with all  XXXX  reporting agencies and both   XXXX    and  XXXX   XXXX  have removed this permanently from my record. I contacted Equifax last  XXXX     2016 a nd furnished proof  of the Release of Federal Tax Lien an d they did not remove it from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

Complaint:
On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

Complaint:
Equifax and XXXX  monitor my credit. At the start of 2020 my credit score was XXXX. Over the year it has steadily dropped down to XXXX. Why? I called Equifax and they want me to pay {$15.00} to receive a detailed review. I am not paying Equifax anything. I am trying to buy property so this issue is imperative now. There's an issue of {$290.00} decrease in credit for which I have no knowledge. I opened two credit cards this year and after THEIR mistakes, I closed both accounts. Apparently closing a credit penalizes the consumer. WHY? My money, my choice, no penalty should be involved especially when no reason for cancelling the account is due to credit company errors. There is NO REASON my score should be steadily dropping. I have no outstanding loans, my house is paid in full and I have NO BALANCE DUE on the one credit card I have, although Equifax has me listed as having two credit cards, and have no idea what they're talking about. I do not like nor want any credit cards because I refuse to pay interest, but keep one open for emergencies, just applied for one and was DENIED. Where do these credit bureau obtain their information and WHY? It seems these bureaus are XXXX and the consumer is left in XXXX on their word. It also appears there is no where to dispute them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
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: EQUIFAX, INC. (FL)

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

Complaint:
This complaint is in reference to My credit report showing a collection from your agency. I already sent a letter to your company but you did not respond with what I asked for to verify your claims of this alleged debt that I supposedly owe. I was never notified of this collection. I do not believe this debt is accurate. I do not believe this debt is mine. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 
2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
3 ) Documentation that shows I agreed to pay this debt with my signature and documentation that shows I gave you permission to have my information, and paperwork showing I gave you the authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. 
4 ) The Agreement grants you authority to collect on this alleged debt. 
5 ) A copy of your state license, including the license number that gives you rights to collect in my state. 

6 ) A copy of the full purchase agreement 7 ) I want you to Swear under penalty of perjury you were present during the alleged debt Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 
Also, read the attached letter and review all of the violations by your company

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 2021-02-07
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 — Their investigation did not fix an error on your report
Company: DISCOVER BANK (OH)

Complaint:
XXXX has had me locked out of my credit report for over a year, they keep lying and saying they will send me a copy, I kept complaining how inaccurate it was on the app so they locked me out of accessing it, I cant even order it online, and when I call they tell me theyre mailing it and dont ... I have excellent credit and anyone who checks it through them denies me and said theyre telling them my score is XXXX ... It isnt ... Every single hard inquiry they have needs wiped because they provided misinformation on them checks and I was denied things I shouldnt have been denied over it and can prove it ... XXXX XXXX sent me a letter telling me they said my score was XXXX and thats why I was denied ... All the other agencies have the right info ... I have asked they fix it over a year now and they still havent ... I have asked for a copy of the corrected report for over a year and they never send it just say they will ... At one point they had almost everything on my report wrong clear to my name spelling and social security number ; and when I sent the copy of the report back with the corrections that needed made hand written in and requested a corrected copy all of this started where they locked me out of viewing my report and refused to send a corrected copy ... I want all the inquiries wiped they provided the wrong information to those companies and I want to see my report ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Complaint:
Transunion/XXXX  are reporting an alleged debt of {$94.00}. Both agencies have inaccurate information reported. Ill provide a few examples 1. Date opened both have different dates 2. Payment status states its a charge off but it has a balance of {$94.00}.

3. The comment section both agencies provide different remarks. 

My issue with it, is first I never gave consent for my personal or medical information to be furnished I have a right to privacy. In addition I never signed a hippa release form for XXXX XXXX. Therefore its inaccurate and also a hippa violation. XXXX laws are to protect my personal and medical information. FCRA is put in place to make sure I have fair and accurate credit reporting I am entitled to that by law. And that didnt happen in this case. 

Please provide me with verification and validation that allowed you to furnish this information. Im sure you must have something that that ties me to the alleged debt. Please provide my with a letter given you consent to furnish this information please provide and documentary evidence regarding this alleged debt. I know you can not withhold any information from me to be in compliance. You have to provide me with everything that Im requesting Heres tracking number for XXXX XXXX Tracking number for XXXX Tracking number for 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 2020-12-21
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. (PA)

Complaint:
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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (FL)

Complaint:
I've had a situation in the past with financial problems during the separation of my family and i had no access to a lot of things in the process, including my mail and certain credit cards i had in my possession.. The card was a secured card for {$300.00}, in which Wells Fargo rendered the security deposit, but added more than 150 dollars in late fees after taking the XXXX i put down to receive the card.. i had no idea about it i even went to the bank and they told me that " they took the {$300.00} deposit so the account is closed no worries! i took it as that. i have had 2 companies try to help me because my credit is great but i cant get a place to live so i can gain XXXX  XXXX  of my son because of the {$160.00} late fees they have on my file and WONT REMOVE!!!!!!!! i need help please .././././.

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 2021-05-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Complaint:
After requesting my bank account be closed by Merrill Lync over a year ago. As todays date XX/XX/2021 my bank account is still opened and I was never closed nor did they mailed the remaining of {$3900.00}. I have no access to this account as I was informed it was in the closing phase. With everything happing last year life has been overwhelming with getting XXXX, losing my aunt to XXXX losing my job, I simply forgot about my bank account. I contacted Merrill Lynch on XX/XX/2021 and informed them I want my account immidely closed and I want my balance forwarded to me. I check this morning and the account is still open. I'm very concerned because I'm not sure what Merrill Lync is doing with my account like XXXX XXXX XXXX did to its customers. This situation is causing me a great deal of stress and XXXX. I feel there's nothing I can do and I'm out of options. Please help me with getting my account closed and getting the remaining balance from my account This should be illegal and Merrill Lync should fined.

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 2020-01-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (FL)

Complaint:
In approximately XX/XX/XXXX, I consolidated my Stafford Loans with Fedloan. I have been paying my loan repayments on auto pay with my bank account ever since. I never missed or was late on one payment. I set up my auto pay to pay {$110.00} per two weeks to the sum of the minimum due ( {$220.00} ) per  month. I never received any notification of any changes to my account. In XXXX of XXXX, I reviewed my payment history and the amounts of money being disbursed by Fedloan to the Principal and Interest. To my disbelief, I noted that several months the full payment went to interest only and {$0.00} to principal. I called Fedloan to inquire as to why my principal was not going down even after paying ahead on some months and never less than the minimum required. I was told my minimum payment went up ( $ XXXX ) which I was never made aware of, nor believe is possible or legal. I added to my auto pay to make my biweekly payments {$150.00} per two weeks a total of {$300.00} per month or greater where twice a year there are moths with 5 weeks and 3 pay days. I even sent in an extra {$300.00} in XXXX of XXXX to make sure I was ahead on payments. 

On XX/XX/XXXX, I called Fedloan again as I found more transactions where {$0.00} of my payments were applied to my principal. I spoke to over 4 different people who treated me very poorly and as though I was ignorant and bothering them. Finally, I spoke to XXXX ( XXXX ). XXXX reviewed my transactions with me while I was on the phone. I used the XXXX spreadsheet to give XXXX the exact dates of my {$0.00} applied to principal. Finally, XXXX understood my concern and told me, this will go to Service Recovery Department and It is notated in the review status my concerns. I was told by XXXX that I would be contacted within a week. Here it is nearly 1 month later, and I still have no answer as to why I make the full payment and even more than the minimum payment and yet {$0.00} goes to interest. 

I will attach the spread sheet which I downloaded directly from Fedloan. Additionally, here are the dates of my questioning : ( XX/XX/XXXX XX/XX/XXXX ), ( XX/XX/XXXX XX/XX/XXXX ), ( XX/XX/XXXX XX/XX/XXXX ), ( XX/XX/XXXX XX/XX/XXXX ), ( XX/XX/XXXX ). It should also be noted that many months greater than 90 % of my payment went to interest while the remaining 10 % went to principal. There were almost 60 months were less than {$12.00} went to principal per payment made. 

Again, my question which still has not been answered is as follows : how can I make the minimum or greater payments per month, be ahead on payments, and still have several months worth of payment which {$0.00} was applied to principal? I would be grateful if this can be answered and investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (NC)

Complaint:
Good evening. 
My name is XXXX XXXX, a former XXXX XXXX Veteran, a former SC XXXX XXXX  giving selfless service most of my life. Cell : XXXX. Address : XXXX XXXX XXXX, XXXX  XXXX  NC XXXX Email XXXX My complaint. 
Gym membership opened in XX/XX/XXXX @ XXXX XXXX @ XXXX XXXX XXXX XXXX location. 
I moved to XXXX NC in XX/XX/XXXX. 
I ask to CANCEL my membership @ XXXX XXXX. The manager at that time said he would transfer my membership to XXXX XXXX in XXXX NC where I live, so I agreed. 

Here is where two problems exist. 

XX/XX/XXXX my gym closed for 3 months if not longer. During this time I personally ask to cancel my membership, the XXXX XXXX XXXX. The manager there told me to write a letter to their corporate office in order to cancel my membership. What? 
So I did. I sent a letter to XX/XX/XXXX XXXX XXXX AR XXXX giving specific details why I am canceling the membership, as I did in XX/XX/XXXX. XXXX XXXX stated that they would not take from my account while COVID-19 had the gym closed. They never stopped taking from my account. 

Thats a problem but not the BIG problem. After canceling my membership in XX/XX/XXXX I believe everything was completed on both ends. As of XX/XX/XXXX, my credit report showed I was placed in collections for {$99.00}. When I investigated, it showed ME opening an account/membership in XX/XX/XXXX to XXXX XXXX. This is fraudulent behavior that needs to be exposed. If they are doing this to me, how many others are they doing this to? 

So I called the XXXX XXXX XXXX XXXX to see what is going on? 
XXXX, the manager looked into it and apologized for the miss-hap. 
He couldnt believe that this happed and could not explain who opened the account NEW MEMBERSHIP that issued a {$99.00}. fee. 
But XXXX had it taking off my Credit report. So I thought! 

As of XX/XX/XXXX, I received a letter from Adouls law firm XXXX XX/XX/XXXX stating I am going to collections if this {$99.00}. is not paid. This law firm is paid by XXXX XXXX. 
I did not join XXXX XXXX again in XXXX or ever in my lifetime. They took 3 months {$60.00}. total while they were closed, I canceled filling out the form, letter and personal acknowledgment stating I am canceling the membership. 
Now someone opened an account in XX/XX/XXXX apparently in my name! Fraudulent documentation. 
Please XXXX XXXX help me. 
I do not owe anything to XXXX XXXX, I cancelled the membership by their rules and still am being harassed. I cant believe that this is happening to me! 
Thank you for taking your time to read my statement. 
Hope to hear from you! 
May GOD bless you! 
XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation