hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint:
Credit bureaus includes identity theft info that does not belong to me and they still haven't been able to update my information despite several request. I'm attaching driver license, utility bill and social security for them to update and delete all information not matching my driver license. 

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Jobs : XXXX Phone : XXXX The rest do not belong to me, I live at this address since 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
Consumer complaint received 2020-04-01
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid
Company: Waypoint Resource Group, LLC
State: IL

Complaint:
Waypoint Resource Group is attempting to collect on behalf of XXXX XXXX, XXXX. I reached out to Waypoint Resource Group and requested that the collection agency send a copy of the original contract which verifies I owe the debt. I also requested a copy of the last billing statement sent by the original creditor, the amount owed when the collector purchased the debt, the date of last payment and whether the debt is past the statute of limitations. To date, I have received no response. 

An amount of {$520.00} is not owed to XXXX XXXX. Waypoint Resource Group has not provided any documentation which proves the debt belongs to me. Thus, I am requesting this entry be removed from my credit report immediately. This debt is erroneous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint:
Upon reviewing my report, I noticed fraudulent information was posted on my file. I was recently a victim of identity fraud and believe this resulted in this fraudulent information posted. I request that you remove this information off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Product: Debt collection 
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc.
State: IL

Complaint:
On XX/XX/2019, The Corporation/LLC Certificate of Good Standing for the state of Illinois shows that CMRE Financial Services , Inc. is not legally able to collect in the state of Illinois as they are in not good standing per the website. I am disputing the debts reported on my credit due to no valid license for CMRE to collect in the state of Illinois.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint:
I did not consent or recognize any of these inquiries on my credit report. Please have them removed immediately from 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 explanation
Consumer complaint received 2022-03-01
Product: Credit card or prepaid card 
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint:
I took out a credit card with Zale under a promotional offer. no one ever stated at the end of the promotion if you have a balance left when the promotion is over. the company will add the six interests to your bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, has violated my rights .

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2017-07-18
Product: Debt collection 
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: FL

Complaint:
I contacted   XXXX   XXXX   about having debts that I 've already paid deleted from my credit, however the representative told me that they can not delete from my report eventhough I 've already paid. They also told me that only the credit bureaus can delete this from my credit, however I pad convergent for the debt I owed them. This is causing a severe negative impact on my credit which is preventing me from obtaining a loan. Convergent uses  XXXX  ( an email verification system ) and can delete directly, however they refuse 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 explanation
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Tags: Older American

Complaint:
I disputed accounts and the the accounts came back as verified. When I tried to dispute the information again due to it being correct I was informed that I could not dispute it because it had been verified.

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 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint:
After receiving a copy of my credit report, I discovered the following errors, which are detailed below. In line with 15 USC 1666b If a creditor has not adopted reasonable procedures to ensure that each periodic statement includes the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date, the creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

In violation of 15 USC 1681b, I NEVER issued the credit reporting agency or any other company a formal order to provide any information for my consumer report. Due to its harsh and unethical actions, Credit Reporting Agency has put a great deal of stress and anguish on people. 
You, Experian, XXXX, and XXXX ought to feel guilty for having ACQUIRED this position and responsibility in order to routinely defraud consumers and hurt their interests! 

It is improper to list these accounts with late or missed payments. The following accounts should be marked as PAYS or PAID AS AGREED because they were NEVER past due. 

XXXXXXXX XXXX  Please change the account to read Paid/Current as I have never been late on ( XXXX to present ) payments. 

XXXX XXXX Please change the account to read Paid/Current as I have never been late on ( XXXX to present ) payments. 

XXXX XXXX  XXXX Please change the account to read Paid/Current as I have never been late on ( XXXX to present ) payments. 

Pennsylvania XXXX Since I never missed a payment on this account between XXXX through XXXX, please update the status to Paid/Current. 




I demand that these issues be looked into and taken off my report in accordance with the Fair Credit Reporting Act. Additionally, I demand that you give me all supporting documents and hard proof that I am or have been late. 
I believe you will double-check these things with the creditor who posted them. 
Any information that the creditor can not verify should be removed. I am aware that you have 30 days from receiving this letter to complete this reinvestigation in accordance with 15 U.S.C. Sec. 1681i ( a ).

Send me a revised copy of my credit report with the desired modifications, please. 

Sincere regards, XXXX : XXXX { XXXX } Without Prejudice, All Natural Inalienable Rights Reserved

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 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Tags: Servicemember

Complaint:
They basically told me that the hard inquiries need to be removed from creditors that they authorized them i explained that i never requested the hard inquiries or credit pulls from those dates mentioned but they stated that they will eventually after a year or so will be removed on there own and i wish to have all the hard inquiries from the time period of XXXX XXXX 2017 until XXXX XXXX 2017 removed ASAP from Transunion, XXXX, and XXXX Thanks

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 2023-07-07
Product: Student loan 
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments
Company: Nelnet, Inc.
State: TX

Complaint:
The amount of interest charged all of these years has doubled what I owe and what I took out with continued accumulation.The interest bearing charges have not been transparent or fair. It is making obtaining a higher education for our future generations impossible. 

The system and allowable interest needs to be affordable to help students be successful when they get out. 

No assistance is given for graduate student loans on top of that high bearing interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to 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 explanation
Consumer complaint received 2015-06-30
Product: Debt collection 
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine
Company: Resurgent Capital Services L.P.
State: FL

Complaint:
I found out from the credit reporting bureaus XXXX, XXXX and XXXX that there was a negative account under " LVNV Funding LLC " under account number XXXX LVNV Funding LLC has failed to provide any legal validation or a dunning letter in accordance with the Fair Debt Collection Practices Act. I am seeking proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased. I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commission 's guidelines of what constitutes proper debt validation. It has also been re-aged as a new collection to further affect my score. They use Multiple companies. I have sent several letters, including notarized formal validation letters seeking this verification and to this date LVNV Funding LLC Corporation has failed to provide the information requested. I have been told I will be called about multiple time and no call backs from the company. I will seek legal action against this company for the practices if the issue is n't resolved immediately LVNV Funding LLC has not provided me with any evidence to substantiate its claims that this debt is a legitimate debt. Further, there has been neither proof that LVNV Funding LLC has permission to collect this debt, nor have they provided previous verification of this debt. Finally, I have received no information that LVNV Funding LLC currently possesses any documents of this debt. Since this company has failed to provide any evidence of the claims made in their response, I am led to believe that neither LVNV Funding LLC Corporation possesses adequate documentation to collect this alleged debt. In order to provide proof that this is a legitimate debt of over 7 years and they have the right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Product: Debt collection 
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: MI

Complaint:
I purchased flooring from XXXX on XX/XX/XXXX. I signed a contract that stated my original total was {$6400.00} but I only had to pay {$5600.00} due to a discount approved by market. I made two deposits on XX/XX/XXXX ( {$580.00} and {$2200.00} ) totaling {$2800.00}. In the special instructions section on page 2 of 14 it stated that I owed {$2800.00} C.O.D. I had two different installation dates. On XX/XX/XXXX I paid {$1700.00}. On XX/XX/XXXX the customer service representative took my payment over the telephone for {$1300.00}. The next day I got a call stating that they had overcharged me and they were going to fix it and my payment of {$1300.00} would not be processed. Then the day after that I got a call stating that I owe {$1200.00} more. After several calls with an unknown representative I asked for a supervisor. XXXX XXXX called me. XXXX XXXX General Office Associate XXXX. Ms. XXXX stated that I owed {$1200.00} more over the telephone and in an email. I explained to her about the call I received as well as everything else and asked her to send me an itemized bill. Ms. XXXX then sent me an email saying I owed {$1300.00} more, she sent me a bill stating that my total order was {$4000.00} my deposit was {$2200.00} with an allowance ( discount ) of {$470.00} and I owed {$1300.00}. However, the original sales receipt stated my original total was {$6400.00} but I was being charged {$5600.00} which is a {$770.00} discount not {$470.00}. Ms. XXXX also sent an attachment showing my total was {$4000.00} with a deposit of {$2200.00}, discount of {$470.00} and balance of {$1300.00}. I informed Ms. XXXX according to the original call I received and the email that she sent me with an attachment mirroring what was she typed, I had over paid by {$390.00}. I also told her that one of my deposits made on XX/XX/XXXX for {$580.00} was not reflecting her itemized bill. Ms. XXXX never addressed that. After several calls and letters mailed to me Ms. XXXX and I couldnt come to an agreement. XXXX XXXX wanted me to send her my credit card statement but with everything that transpired I did not feel comfortable sharing my personal information with anyone at XXXX. On or around XX/XX/XXXX, I received a collection notice for {$1300.00}. This have been a living nightmare and nobody seems to care and now my credit is being jeopardized. Im not sure what my salesman or any other of the workers did with my order.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

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 Account number:XXXX Account name XXXX XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY

Complaint:
XXXX XXXX XXXX : {$170.00}, {$170.00} XXXX XXXX XXXX, : {$3000.00}, {$3000.00} XXXX XXXX : {$1000.00} XXXX XXXX  : {$600.00} XXXX XXXX XXXX : {$650.00} XXXX XXXXXXXX XXXX : {$830.00} Portfolio Recovery Associate : {$1900.00} XXXXXXXX XXXX XXXX {$890.00} These are third party collection agencies that I do not owe anything to. I've never signed nor had any contract with these companies. These companies need to provide a signed contract between myself and them. These collections need to be removed immediately. I have contacted the debtors by mail and online to disputed these inaccuracies and have them deleted. The Tila law and the USC code by reporting inaccurate information on my credit report without contacting me first.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Product: Mortgage 
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate
Company: Shellpoint Partners, LLC
State: CA

Complaint:
I called my mortgage servicing company to as what they are offering as far as forbearance plans because I am a XXXX XXXXXXXX and wanted to be informed and inform my clients. The company, New Rez, under Shellpoint Mortgage Servicing, told me someone would call me back. They never called. Instead, I got a letter stating that I was now in a forbearance plan and did not need to pay my mortgage payment. I called them to clarify that I did not need the plan, I just wanted to get information. They apologized and even said that they would file a complaint on my behalf for the misunderstanding. After a few confusing letters contradicting each other, I called them back again on XX/XX/XXXX. They reassured me that I was not in a forbearance plan and that nothing would be reported to the credit bureaus. On XX/XX/XXXX, today, a change was made to my credit report stating that my mortgage was " affected by natural disaster ''. This is exactly what I did not want to happen. I never agreed to any terms of a forbearance plan, verbaly or otherwise. I payed my payment on time, every time. I even pay a {$100.00} more per month to bring my principle down faster. The companies website is https : //www.shellpointmtg.com/

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Product: Checking or savings account 
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account
Company: WELLS FARGO & COMPANY
State: CA
Tags: Older American

Complaint:
XX/XX/ Discovered Wells Fargo had created a FAKE account in my name. 
A returned uncashed check from the County of XXXXXXXX Property Tax unit contained the FAKE account number. 

XX/XX/ A copy of the check and the letter from the Property Tax Unit was provided to XXXX XXXX at the XXXX XXXX XXXX XXXX Wells Fargo. 

XXXX said he would forward the information to the bank fraud unit. 
He said he could not provide any information on the account. 
XXXX said he could not freeze, lockdown or cancel the account. 
XXXX said I should file a police 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 explanation
Consumer complaint received 2019-07-30
Product: Debt collection 
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt
Company: R & B Corporation of Virginia
State: AZ

Complaint:
They called a family member, who has no association with the account in issue whatsoever, and aggressively got into specifics about exactly what amount ( s ) are/were owed, when, what adjustments were made, etc. I told them this was not acceptable, and they told me they can continue to call her to attempt to collect this {$9.00} ( arguably invalid ) underlying debt.

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