hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
On XX/XX/2022 I filed a complaint with CFPB for identity theft with all three credit bureaus. ( see attachment ) and then sent a handwritten dispute on XX/XX/2022 to all three credit bureaus stating the same. After their investigation, Transunion deleted XXXX XXXX ( account number XXXX ) however, XXXX and XXXX elected to leave it on my credit file. ( PLEASE DELETE THE ACCOUNT ) They stated that it was verified as accurate. How did XXXX and XXXX verify the account as accurate? First and foremost I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Secondly, if all three bureaus did their due diligence in investigating the dispute they would have deleted all the accounts in question. TranUnion stated that XXXX XXXX XXXX ( account number XXXX amount {$6500.00} ), ( account number XXXX amount {$1700.00} ), and ( account number XXXX amount {$250.00} ) were verified as accurate. How so when the date of the last payment doesn't match with XXXX 's reports ( see attachment ) whom also stated the accounts were accurate and verified. The Information reporting has to be 100 % accurate. So if an investigation was completed then all credit bureaus should be reporting the same information but they are not! After XXXX 's investigation, they stated that the accounts XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX were verified as accurate and modified. If the investigation took place why are there discrepancies in my credit file? XXXX has also reported that payments were made in the last 3 months on the charged-off accounts. ( SEE ATTACHMENTS ) This is unacceptable. All three bureaus are in violation of my consumer rights and I just wish they'd do what's fair and equitable to me as the consumer by deleting the items. It's their obligation to make sure that the information reporting is accurate and relevant and they've failed to do so.

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 2019-07-20
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. (WI)

Complaint:
Under Section 611 ( 5 ) ( A ) of the FCRA the 3 main credit bureau 's Equifax, XXXX, & XXXX are all required to promptly DELETE all information which can not be verified. 

I have done everything humanly possible to rectify this error on my credit file. This is the last straw before a lawsuit. 

Account Name : XXXX XXXX XXXX XXXX is falsely reporting on my credit file and also made a notation to the CFPB on XX/XX/2019 that this complaint does not belong to them. So if this is the case why are you still reporting them on my file? 

Address : XXXX XXXX XXXX  XXXX XXXX, XXXX, WI XXXX or XXXX XXXX XXXX XXXX, XXXX, WI XXXX I want this Unverifiable and erroneous information off of my consumer credit file with in 30 days or I will take Equifax Inc to small claims court and sue for actual damages, including court costs, attorneys fees, lost wages, libel, defamation and intentional infliction of emotional distress. 

Just to be clear your actions are truly outrageous I will seek to also recover punitive damages meant to punish malicious or willful conduct. Under the FCRA, the court decides the amount of the punitive damages. 

I am using this CFPB complain as a portion of my lawsuit as well. 

You can resolve this very easy by deleting this item off my credit file ASAP. 

Please resolve this issue as soon as possible, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (VA)

Complaint:
On or around XX/XX/2021 I filed a complaint about unauthorized charges to my joint account. 

The specialist XXXX XXXX XXXX took a report and described the initial process. She explained that a claim would be issued. The claim number provided was XXXX. She also indicated that a copy of the documentation would be available to me via email. By the way, I never received the form. 

A follow up message was sent on XX/XX/2021 to XXXX requesting an update. The information provided indicated that the claim was being processed. There was a mentioned of correspondence being sent to explain actions. 

The facts as follows : 1. Unauthorized use of card by merchant to renew membership products. 
2. Issuance of NSF fees due to XXXX 's approval. 
3. Dispute made to bank 4. Bank makes determination without providing customer with sufficient evidence of an investigation and policy application. 

The amounts in question are : XXXX  {$14.00} + NSF Fee ( {$36.00} ) XXXX {$39.00} + NSF Fee ( {$36.00} ) XXXX {$8.00} + NSF Fee ( {$36.00} ) The bank has sent threating letters and emails about closing the account. The frequency became overwhelming, almost every week. I consider these actions very oppressive and unethical. I will NOT close my account unless I am ready. It is your responsibility to respond to claims and disputes about banking matters. Lastly, I need to understand why are you deciding that my claim is not valid?

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 2022-09-05
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. (MI)

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

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts : Account Name : XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

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 instruction.

I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
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 (NJ)

Complaint:
I am a XXXX  CREDIT CARDS NEW CUSTOMER. I opened the credit card account with CAPITAL ONE in XX/XX/2020 and now it is XX/XX/2020. I make my FIRST on time payment with the minimum amount and nicely ask for a fee waiver of {$8.00} when I realize I am being charged that amount in interest fees for not paying a much higher amount or pay in full. This is only 3 days after my payment. I say to them that this blew me off since Im a new customer and my account has not been in delinquent state. My request was DENIED, when the reason of my call was to pay my balance of {$460.00} in full. I do not understand the why CAPITAL ONE has an ESCALATION department when they dont help the customer. I mean what are they getting paid for? To make the bank loose money and customers? Clearly I am not rich and if Im taking of my time to go through all these departments is because I need those {$8.00} dollars back. I work very hard to give my money away like that. I ended up closing my account because I didnt like the way I was treated by first, associate ( who seemed to take the situation personal and almost hang up the phone on face ), then supervisor ( who lied to me, saying that there was no other department that I could seal to being the fact that I was upset ) and then the escalation department ( who also seemed to take the situation very personal when I asked to speak to someone above her ). Its crazy how the this bank handles their business. I mean they prefer their clients going into debt collections, credit history downfalls, company reputation for not issuing a refund to a customer thats asking to make payment in full to their first balance. Its crazy how some people are being hired and wont help clients build a good and healthy credit relationship and history I mean all I was trying to do was pay up my debt before more interest gets accumulated. UNBELIEVABLE the training these people are receiving up in Florida. 

Attached is a picture of of account and the interest charged right after my payment. I also have the audio of the phone calls I made to Capital One today and all the times I was told NO for an answer and I was not listened because, Why would they pay attention to me when their answer is a Default. Because according to them, they cant waive a fee that has been waived to me in the past with Capital One itself at the supervisors discretion. The typical answer that is so overrated that the their system doesnt allow them to waive a fee, when I know is a lie and I tell them that Im the audio. Capital One itself rules that fees can be waived at their discretion. 


This is the agent I spoke to from the Escalation Department. 

XXXX XXXX Florida The supervisors ID is XXXX, also located in Florida.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-16
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. (CA)

Complaint:
On XX/XX/18 I went to the XXXX XXXX website to research auto loans. I put in my name. It asked if I was a member of XXXX XXXX. I said yes. I did not enter any other information. I clicked the cancel button and closed the page. I later got a letter and an email saying they checked my credit score as part of a loan application. I did not apply. They checked my credit without my authorization.

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 2016-08-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NY)

Complaint:
My Student Loans are currently being serviced by Navient. In this environment of historically low interest rates, the interest rate on my loans are 4.5 %. The legal agreement does not specify how they are calculating my interest rate in full. It only states that it uses the prime interest rate plus some margin rate but it does n't explain how it calculates this margin rate. In speaking with the company they change their story about how this figure is derived. Additionally, there are several administrative errors on my legal agreement such as labeling the loan as being for a graduate student when the loan was taken out to cover my under-graduate degree. Furthermore, they charged me a $ XXXX repayment fee the day I began repaying the loan. The contract states that they may charge me a repayment fee but it does not specify how much this fee is and {$1000.00} seems very egregious. I do n't think most people expect this fee to be $ XXXX or about 3.5 % of the loan. Lastly, my loans were accumulating interest while I was still a student which seems wrong to do to a XXXX XXXX XXXX but after doing some research I found that this was in fact permitted by the contract and by law. Nevertheless, this seems incredibly unfair to do to a XXXX XXXX XXXX college student who does n't have a job or money ( hence why I took out a loan ) and resulted in {$5000.00} of additional interest before ever graduating, having a job, or the having the means to pay off the loan. 
I have called the company and complained about these things and they told me that all of this is within their rights per the contract. 

I graduated college in 2006 and after over 10 years, I still have nearly 75 % of the loan to pay off. Please let me know if I have any recourse for any of these things or if you can suggest a better way of managing these loans. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Complaint:
Upon reviewing my consumer report on XX/XX/2023 XXXX noticed inquiries and wrong addresses on my consumer report. I filled out an FTC report explaining what happened and when I noticed these inquiries.I also noticed XXXX open installment accounts reporting. I contacted XXXX, XXXX, and Equifax to notify them of the fraudulent activities. I also asked to place a fraud alert on my consumer report. I also contacted the creditors and the creditors told me to contact the credit report agencies to notify them. I have attached my consumer report including my FTC report and my passport as my identification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10
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: Amsher Collection Services, Inc. (FL)

Complaint:
Regarding AMSHER, In my complaint, I never received notification of this debt prior to credit reporting which is a violation of the Fair Credit Reporting Act. I am currently purchasing a home from XXXX, and it was brought to my attention that I had an open collection from AMSHER. The credit report company made me aware of the debt via credit monitoring and as soon as I was aware I called to try and resolve it. Also I did not agree that the debt was valid but I paid it because I thought it would help secure your home purchase. unfortunately, they are refusing to delete or remove from my credit report, which is causing an issue with me purchasing this home at the moment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
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. (TX)

Complaint:
This company has inaccurate information on my credit report and I want it off my report. I contacted XXXX, XXXX, and Equifax on several occasions more recently on XX/XX/XXXX and demanded that they remove the bankruptcy off my credit report because they violated the Federal Trade Commission and the Fair Credit Reporting Act when they claim they verified the information through the court system. I have a letter from the United State Bankruptcy Court that clearly states that they now nor ever validate or verify a bankruptcy. Because of that they clearly violate section 603 ( 0 ) ( 5 ) ( A ) ( I, III ) 611 ( a ) ( 7 ) of the Fair Credit Reporting Act, the court states confirmation of the corrections, truth, and/or authenticity of a testimony in a deposition. It also states that verification is a sworn testimony to have accurate information from the institution from which it came from and they have clearly violated these sections. Therefore I would like it deleted from my account immediately. I am strongly considering a small claims lawsuit if the credit bureaus do not take this off my credit report no later than XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2017-08-10
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. (IL)

Complaint:
Whenever you file a claim it seems as if nothing gets resolved because instead of helping the consumers, it seems that the companies just give whatever kind of answer they want and the case is closed in which it should not be. I have filed several complaints against credit agencies and the answer does n't resolve anything or has nothing to do with the compalint and yet my complaint is closed without addressing the issues or violations that the credit bureaus have violated. I have disputed my information on my credit report either by mail or on the phone and have requested method of verification in writing as to how this information was verified and any documentation associated pertaining to the accounts in disputes. I have also tried to dispute inquiries on my credit report and have had no success in trying to get this information deleted as these inquires were not initiated by me or said companies did not have my permission to pull my credit.. I have disputed public records and I have asked how this information was verified and validated and was told that the courts send this information over to them. This information is not correct as the courts have said they do not give out any information on anyone and the information the credit bureaus are telling is incorrect. I have tried repeatedly to get this information resolved and yet the credit reporting agencies are not doing through investigations and in relation to disputes but rather using an electronic methods to receive and validate information rather than physical documents or a real investigation to limit the damage to one 's credit reports. The representatives from the credit agencies state that they receive public records by using your name and social security number and that 's how they verify the disputes in regards to public records. Anyone can access public records and that does n't mean the information is correct or there are n't errors in the information that is contained in the records. They are not doing their job in verifying and validating information contained in my credit report but rather damage it in regards to negative information that they refuse to investigate or remove. These credit reporting agencies have no way for you to dispute inquiries that you did not authorize or recognize but yet they report this as accurate information and it remains on there for two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
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: Experian Information Solutions Inc. (NY)

Complaint:
experian opened up my dispute for XXXX  XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX experian received letter via upload almost a month ago the 30 day mark is near and they are now stating XX/XX/2021 for a resolution. this is a clear violation

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 2020-08-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Auto Trakk, LLC (PA)

Complaint:
Auto trakk never followed the law when it came to my voluntary repossession. I never received an intent to sell, I didn't know the location of the car or anything. I don't believe the amount on my credit report is accurate at all. Also, the account is closed and the last 2 months ' payments were updated as payments made., which I never made a payment. I believe they're doing this so the time of starts over. I've disputed this account 3 times for inaccuracies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct and update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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

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