hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (GA)

Complaint:
The company is transworld system llc stating that I owe XXXX since XX/XX/2020 for utilities I do not acknowledge this debt this is against US CODE 1681 and is a defamation to my character and livelihood I have filled an identity theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Complaint:
XX/XX/XXXX USAA rep informed me XX/XX/XXXX statement shows USAA BEGAN their Fraud Investigation the day I reported it on XX/XX/XXXX with Adjustment Purchases of USAA Credits. This is shown on the statement. 1 ) How could there be 6 Fraud Credit Reversals * BEFORE THE FRAUD WAS REPORTED ON XX/XX/XXXX??????? 2 ) What happened with the 17 Adjustment Purchases BEGINNING Fraud Investigations. Six ( 6 ) were REVERSALS * BEFORE THEY WERE REPORTED. USAA. What happened to those NOT REVERSED? So why is USAA NOT ACCOUNTABLE FOR THE FRAUD? There are NEVER 2 CREDITS FOR ONE PURCHASE TO REVERSE?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (WA)

Complaint:
Due to unforeseen hardship during XXXX semesters of my XXXX career, the federal financial aid and tuition assistance by my employer was not enough. After being declined by my local bank I resorted to taking out a small ( {$6000.00} ) loan from the private lending company, Sallie Mae. I graduated with my XXXX 's XXXX XX/XX/XXXX and 2 months ago ended up losing my job to due lay-offs. 
As soon as I lost my job I contacted Sallie Mae to alert them of the situation and began attempting to negotiate a lower monthly payment amount ( from {$300.00} to {$50.00} until I am able to get back on my feet ) .I have sent Sallie Mae a total of XXXX letters via Certified Mail and in response they began calling me an average of XXXX times per day, every hour, starting as early as XXXX. 
In my XXXX, XXXX, and XXXX letter I explicitly requested that Sallie Mae attempt all further communication via paper letters rather than phone messages however these requests have been ignored and my phone continues to ring off the hook and I am met with at least XXXX harassing messages threatening " something bad will happen '' if I do not call them back. 
I am not avoiding making my student loan payments and even in this financially difficult time I want to maintain an open line of communication with Sallie Mae, however I feel that their collection attempts have crossed over the line into being harassment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

Complaint:
On XX/XX/2020 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. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on 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 XXXX data breach and may have got into the hands of the wrong person.

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 2018-05-20
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: Experian Information Solutions Inc. (CA)

Complaint:
Sent disputes to all three credit bureaus, asking for accounts to be verified, on who they spoke to, name of the person. Did not verify with no one, just sent letter back that says verified, tried to disput again, continue to receive letters stating they will not reinvestigate, even though they never provided me the 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 explanation
Consumer complaint received 2021-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC. (MI)

Complaint:
While I was on my XXXX XXXX Account on XX/XX/2021, I noticed that my credit score was dropping. In checking to see the reason why my credit score was dropping I found that there is a collection on credit report from XXXX XXXX XXXX. 

Account Number : XXXX Original Creditor : XXXX  XXXX XXXX, XXXX. 
Current owner : XXXX XXXX XXXX XXXX ID : XXXX Balance : {$1000.00} Accountholder Name : XXXX XXXX This account was fraudulently opened in my name without my knowledge. On XX/XX/2021, I filed a police report with my local law enforcement agency, and notified XXXX, XXXX, and XXXX  of Identity Theft. I have also reached out to the collection agency, and completed and returned to them a Identity thef affidavit with a copy of my police report, police report case number : XXXX with the XXXX XXXX Police Department ORI Number : XXXX. Reporting Police Officer : XXXX, Badge No. XXXX. 

I have reached out to XXXX XXXX XXXX, and was directed back to the Collections Agency. I have since purchased XXXX XXXX, and placed a Freeze on my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
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: Security National Automotive Acceptance (GA)

Complaint:
This inquiries was unauthorized. I have contacted all three credit bureaus as well as each one of the listed companies on several occasions. The credit bureaus have advised me there is nothing they can do about falsely obtained credit inquiries without letters from the companies that pulled my credit. I have reached back out to the reporting companies and advised that the pulls were obtained without my consent, and the companies have all refused to remove anything about them, I consistently am advised to wait 2 years for them to fall off, however these pulls were never authorized nor are they valid.. I am at my witts end and believe that I should not be held accountable for something on my credit report that is not only INACCURATE but illegally obtained. These inquiries all happened between XX/XX/XXXX-XX/XX/XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OR)

Complaint:
Hello, I have noticed that my len der, Navient, is not applyi ng extra payments I am making to my loan in a way that maximizing my repayment. I followed instructions on the cfpb website with regards to how I wanted my payments to be handled and emailed my instructions to the lender. They shared that they could not set up in advance how to handle extra payments, but rather that each time I paid an extra amount, I would need to wait for the payment to post and then email instruction s ( corresp ondence attached ). I als o called Navient  on  XXXX  to receive additional details that they told me another method would be to send them a check and then send instructions every time I mailed a check. I pay a bit extra every month so this is not a realistic or consumer-friendly policy.     Next, they have an error on their site, they say that you can not add more than the minimum about to you auto payment. It says " Your recurring Auto Pay amount ca n't exceed your monthly payment due at this time, but you can pay more on a one-time basis by selecting Make a Payment in  the navigation menu  and specifying an additional amount for any loan enrolled in Auto Pay. '' However, when I called the lender on  XXXX , they told me that I could pay more than the amount with the autopayment ( ACH ), but that they had to set it up over the phone and that it would " change the terms of my loan. '' When I pushed her on what she meant by change the terms, she said she just meant changing the payment schedule. I asked that she please send me all the details in writing and shared that they are sharing erroneous information on their web portal with their borrowers regarding payment methods.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
Transunion has 13 inquiries on my credit report. I have written a letter and no response. It has been well over 90 days. The following are the inquiries and dates : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-04-08
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: Pacific Credit Exchange Corporation (CA)

Complaint:
I am disputing the account Pacific credit exchange account # XXXX the collection agency has re-aged this account according to the original creditor XXXX XXXX Account # XXXX consumer disclosure file date of first delinquency XXXXOn record until XXXX Pacific credit exchange is reporting XX/XX/XXXX On record until XXXX on my credit report. 

Under FCRA Section 609 ( a ) ( 1 ). this is a violation I have attached a copy of my supporting documentation report with the account in question circled. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

Complaint:
Midland Credit Management has sent me a " Final Notice '' stating I have to pay the full amount of {$610.00} by XX/XX/2020 by logging in to an account on their website at Midland Credit.com. I have never set up an account with them online. Also, after looking over reviews for this company, it is clear they have scammed many people in the past. In this notice, they state they can have a lien placed on my property, garnish my wages and accounts, and obtain information about my assets by the use of a notice request, deposition, or subpoena to appear in court. They claim they have an attorney review planned in my state of GA and I am responsible for court costs and post judgment interest charges. I know nothing of this company and do not trust anything they state because numerous complaints and scam alerts have been posted regarding their authenticity and policies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Law Offices of Mitchell D. Bluhm & Associates (MS)

Complaint:
This is my second complaint against LAW OFFICES MBA XXXX XXXX XXXX, XXXX  XXXX XXXX, TX XXXX attempting to collect a Medical Debt not has been been validated but has sent my medical records from another 3rd party company XXXX XXXX XXXX which is a direct violation of HIPPA. I never signed a form giving permission for them to have access to my medical records and personal data. In the letter and PDF email they sent on page 3  shows my medical records and personal data. 
XX/XX/2021 : Personal and private email message from The Law Offices of Mitchell D. Bluhm and Associates enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
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: EQUIFAX, INC. (MA)

Complaint:
I applied for an auto loan at XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX I authorized XXXX XXXX on XX/XX/2021 to pull my credit only with XXXX XXXX and XXXX XXXX XXXX they made an error and ran with my credit with XXXX, XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX, and XXXX XXXX I reached out to the XXXX XXXX XXXX to have the unauthorized pulls removed he refused and gave me a letter saying I should submit it to the credit bureaus since then Ive spent money sending certified letters and making phone calls to have these items removed my credit went from the 600s to the 500s the credit bureaus have come back stating the inquiry disputes were upheld even with the letter from XXXX XXXX stating it was their error

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
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. (FL)

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. 

Account name : XXXX XXXX XXXXXXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Complaint:
I pulled a copy of my credit report and notice information from XXXX XXXX XXXX on my credit report that should not be there. I reached out to the credit bureaus to do an investigation XX/XX/2019 ( please see attach letter entitled bureau investigation ' ) and the bureaus respondedXXXX stating that XXXX XXXX XXXX verified the information as reporting correctly. ( please see attach response from the bureaus entitled 'bureaus initial response ' ) I then reached out to XXXX XXXX XXXX XXXX XX/XX/2019 after I received that letter from the credit bureaus. ( please see attach letter entitled '1st letter sent ' ). To date we still have not receive a response from XXXX XXXX XXXX and we know they receive the correspondence sent ( please see attach signed green return receipt ).

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 2021-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

Complaint:
I had fraud on equifax report 8 years ago and they put I pay 1 payment a year to not take this illegal way of keeping on my report. 

They tricked me and when I got XXXX XXXX credit card and asked could it have been family or friends? I didn't know 1 month after fraud happened. They then said they couldn't take off credit for 7 years because I said it could be family or friends which it was overseas fraud. Whoever did this took XXXX XXXX dollars cash in 3 weeks without calling me to see if it was right or fraud. They are going to be sued, my attorney general will be called, my personal lawyer will take them to don't for blindly lying to meThey admit they lost police report, lawyer report and ftc repirt.Then their investigation was just as bad as the fraud. They did nothing that the FAIR CREDIT REPORTING AGENCY MAKES SECTION 604, 609, 611 AND 623 AGAINST THE LAW ( FEDERAL AND STATE ) IN 3 WEEKS THEY HAVE NO ID, TAPES, SIGNATURES OR LETTERS STATING I COMMITTED THIS WHICH I HAD TOP SECRET CLEARENCE MY WHLE LIFE. THEY NEED SNOTHER CLASS AGENCY LAWSUIT AGAINST THEM BECAUSE THEY DONT TRAIN THEIR XXXX WORKERS SMERICAN LAWS. I SWEAR I WI BE RICH IF THEY DONT TAKE OFF THE XXXXXXXX XXXX XXXX OF XXXX XXXX DOLLARS, LATE PAYMENTS OVER 5 YEARS AGO THAT WERE PAID AND XXXX HARD ONQUIREYS THAT I HAD FREEZE ON. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX SS XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
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: DISCOVER BANK (NY)

Complaint:
This is an issue Discover was going to handle a long time ago. I was recently looking at my XXXX XXXX and noticed it is saying XX/XX/XXXX I applied or signed for some type of thing with there bank or credit card. I had called them XX/XX/XXXX and this was all told me it would be solved. I had no idea this was still on my report. 

I did not do this. This was fraud and not authorized by me. I was informed this would be off my credit file but for some reason it is still showing up on my XXXX and XXXX and other credit reports. I had just called them to try to understand and they have no knowledge or any card or inquiry from there customer service team. I called them XX/XX/XXXX was the recent call. I asked them to put on the notes and if they could remove them. I was getting run around answers. 

I do not have an account with them. I did not have an account with them. I did not apply for any account with them. I am hoping someone here can help resolve the situation and fix this so my credit report is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

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 2019-12-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (TN)

Complaint:
Midland Credit Management has called my wife 6+ times a day from a blocked or restricted number.  They continue to call me from the same restricted number despite being advised they cannot reach her at this number.  These calls are being auto dialed, which I specifically told them we do not accept.  There is often no one on the other line,  or a 15 second delay while they connect.  By blocking their number intentionally,  they limit their capability to be held accountable for TCPA violations.

Company response to consumer: Closed with non-monetary relief