hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-12-11
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Bridgecrest Acceptance Corporation

Complaint:
I am a Federally Protected consumer. XXXX has violated several Federally Protected Consumer rights under FDCPA 15 USC 1692 in an attempt to collect an alleged debt. I initially mailed Bridgecrest a debt validation letter certified which was delivered on XXXX XX/XX/2020. They did not send proper validation. They have called me while in possession of my cease and desist which is a violation of 15 USC 1692c ( C ). I notified Bridgrecrest in writing with a sown affidavit of truth stating the facts and citing each violation line by line which was delivered on XXXX XX/XX/2020. I received a letter from Bridgecrest 3 XXXX threatening to repossess my property. They are conducting unfair debt collection practices. As stated I am the original creditor, natural person and I extend credit to financial institutions. Bridegcrest has failed to provide me adequate information on where the credit comes from.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc.

Complaint:
An account that was in collections with a company called XXXX for an old cell phone through XXXX was re-aged on my credit report. I contacted XXXX and they investigated the dates and basically they decided to remove the account from my credit report. Last week I get and alert on my credit monitoring that a new collection account has been listed on my credit report and the same account from XXXX is now listed by a company called Convergent Outsourcing LLC and they have a date or account being opened as XX/XX/2017. I attempted to contact Convergent by phone and by email all last week. I never got a reply of any kind back from them. This account was supposed to be permanently removed from my credit report by XXXX and it seems they not only re-added the account they sold it to another company and that company re-aged it.

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 2022-05-24
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: Porsche Financial Services, Inc.

Complaint:
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. 

Porsche Financial SRVC, XXXX As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, and drivers license. I have also included a copy of my credit report with the account I am requesting to have verified. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Collection Bureau, Inc.

Complaint:
I have paid a collection account on my credit recently. The agreement was made that if I were to pay the same day with a payment of {$3000.00} on XX/XX/XXXX, the account would be brought to {$0.00} and removed from my credit reports. I have tried multiple times to contact the Collection company for a resolution to clear this as agreed upon yet no actions have been taken and I have been constantly ignored. I have attempted to dispute with the Credit Bureaus themselves, but I havent had much luck either. For a brief summary of the events, I was struggling financially in XXXX due to XXXX, XXXX, & work-hour reduction. Therefore, I seeked help from the City/Municipal office when they released a program for Relief on Rental Assistance due to XXXX ( XXXX ). It was expressed to me that everything would be addressed & handled. Unfortunately there was various forms of miscommunication, untimely responses, unqualified representatives, & unprofessionalism in between that led to the rent go unpaid for months & by the time I was properly notified, legal action was taken & expedited by the Apartment complex management and I had to leave on a very short notice. Never did I physically meet or speak with anyone by phone from the Apartment complex about the entire situation. ( The only communication had was by email & text once the situation was escalated. ) The account went into to Collections soon after, and was sitting there ever since until now, when I've been able to sort of recover economically. I am seeking to buy a home of my own now but this issue with this {$0.00} Collection Account on my Credit Reports is reflecting negatively, which also is affecting my progress. Its been a hard, long struggle, and I just want the Debt Collection/Creditor Company to do what we agreed upon & finally move on in our separate ways!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

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 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.

Complaint:
In XXXX of XXXX I called Nationstar Mortgage, ( DBA Mr. Cooper ) and entered into a pandemic forbearance agreement. In XXXX of XXXX I called Mr. Cooper asking to come off of the forbearance. In XX/XX/XXXX Mr. Cooper stated my forbearance had ended. I had called Mr. Cooper since XXXX trying to make payments on the home, their response was always the only payment they would accept was the entire forbearance amount to bring the account current. I have attached a screen shot dated in XXXX from my Mr.Cooper account that shows my account is not eligible to make payments. I even filed a complaint with the CFPB because of Mr. Coopers reluctance to to provide a forbearance workout plan. Its was my understanding that paying the entire forbearance amount could not be a requirement for Pandemic related forbearance. Because of their insistence that the account be brought current in full and no other option given to us at the time we were in fear of loosing our house and its equity. My family and I made the very difficult decision to sell the home we loved. It went under contract on XX/XX/XXXX. On XX/XX/XXXX We received a e-mail stating Mr. Cooper had approved us for a loan modification that would begin on XX/XX/XXXX. However it was to late as our home was under a binding contract to sell. The sale of our home closed on XX/XX/XXXX and Mr. Cooper was paid in full on the same date. On XX/XX/XXXX 17 days after the account was paid in full and closed I received notification that Mr. Cooper has reported my account as being past due 120 days. I tried very hard to work this out with Mr. Cooper but at every step they refused to except anything except for full payment of all pandemic forbearance payments until I filed a complaint with the CFPB. This reporting of delinquency is in retaliation for me filing the earlier complaint with your agency.

It is also my understanding that under the CARES act, payments missed due to being on a Pandemic Forbearance plan can not be reported to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION

Complaint:
The first discrepancy as of XX/XX/XXXX, my XXXX  and XXXX  report that my High Limit is {$17000.00}. My XXXX  reports my High Limit as {$13000.00} how can I have two different original owed amounts on a car? The second discrepancy is that XXXX  says my account was opened on XX/XX/XXXX, and XXXX  and XXXX  says my account was opened on XX/XX/XXXX, again how is this possible for two different account open dates. The third discrepancy is that XXXX has no report data for the last two years of my credit report, XXXX has 33 charge offs, and XXXX  says that I've made payments on time which is a false statement on their part if that is so they either need to show proof but I know they can't because I never paid anything or they need to delete this account off my report for false verification

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I paid my mortgage in full in XX/XX/XXXX and under XXXX the account still shows open with a {$260000.00} balance it also shows a payment in XX/XX/XXXX from when I opened a dispute through XXXX against XXXX  but I have not made a payment since the payoff in XX/XX/XXXX. The Trans Union report shows closed with an outstanding balance of {$260000.00}. The XXXX report shows closed with a {$0.00} balance. When I call XXXX XXXX, also operating as XXXX XXXX, they confirm that the account was paid in full in XX/XX/XXXX and they have closed the account. I have disputed this through the credit agency and I have also called them and tried to get this resolved to no avail.

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 2022-04-28
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: Nelnet, Inc.

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
On XXXX XXXX Equifax sent me a letter notifying me that the report they removed off my credit would be put back on. Equifax put XXXX XXXX back on my credit report and damaged it and dinged my credit report XXXX points. Equifax is now reporting false information on my credit report. The loan was for 60 months and started on XX/XX/XXXX the whole loan amount was {$20000.00} with down payment. Equifax is reporting the original loan amount is {$11000.00} false statement, Equifax is reporting the amount I have paid is {$9200.00} false statement I have paid {$17000.00} and at the end of the loan on XXXX XXXX I will have paid {$19.00} XXXX plus my down payment I will have paid over {$20000.00}. Equifax is reporting my remaining balance is {$2400.00} false statement remaining balance is {$2600.00} Equifax is reporting my actual payment amount was {$650.00} false statement I have paid {$17000.00} and at the end of the loan on XXXX XXXX I will have paid {$19000.00} plus my down payment I will have paid over {$20000.00}. Equifax is reporting my remaining balance is {$2400.00} false statement remaining balance is {$2600.00} Equifax is reporting my actual payment amount was {$650.00} false statement my last payment was {$320.00}, Equifax is reporting my last payment date was XXXX XXXX false statement it was XXXX XXXX is reporting 120 days past due false statement. Equifax is purposely and maliciously ruining my credit. I fell out of escrow last year due to Equifax false reporting and not removing account and false information in a timely manor.Equifax sent me a letter of reinsertion and that has wrong and false information.Aparently Equifax does not care about reporting correctly and they dont care to remove a account permanently when information is not correct since I have been complaining about this account for over a year. Equifax removed the false information one time and then put the same false information back on my credit report I have XXXX disputes with Equifax and all are for false or inaccurate information on my report and and over half give or take or for the same account XXXX XXXX. I called Equifax and spoke with XXXX XXXX badge number XXXX and he was to open a dispute and investigate the issue no dispute was ever opened by the EQUIFAX Supervisor.XXXX XXXX has been sued by the attorney general in for bad loans and subprime loans and bad lending practices .A 60 month loan at {$320.00} a month since XXXX XXXX is more then the {$9200.00} being falsely reported since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Since XXXX of XXXX, I started and have been trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters were sent to the 3 credit bureaus : XXXX, XXXX and TransUnion on XX/XX/XXXX and nothing has been done.

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 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: North State Acceptance, LLC

Complaint:
Each month since XXXX, I began paying monthly payments to North State Acceptance for a car loan, Ive been hit with a remark by the company which affects my credit score by XXXX points. XXXX XXXX shows that its because the balance was adjusted and increased. Anytime I call the company, I am told that they arent sure why its happening and that I just need to dispute the remark with the credit bureau. Although I have done that, it has now become a monthly hassle to have to deal with this and my credit is not catching a break. I pay on time and early and pay the full amount each month. My credit should not have to suffer because of a bad company. I cant help but think there is something shady going on and I am beginning to look further into legal action. Ill attach my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
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: Experian Information Solutions Inc.

Complaint:
I have received a Cancellation of Debt from the IRS, as for 2017, from my XXXX XXXX old debt, and I still have the balance due in my credit reports. Also, as of the Statute of Limitations on Debt, I need that all the old debts on my reports be DELETED, because as of this Statutes, they should not be in my credit records, for the Virginia State are 3 years, only to appear on credit records. 

I will very much appreciate your help, because I need to get a job and my credit report is not helping. I am not working right 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 2020-06-16
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.

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXXXXXX XXXX U S DEPT OF EDXXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXXIXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  11 XXXXXXXX, 11 XXXX XXXX XXXX, 08 XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiries : 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 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
The list below includes fraudulent accounts on my report. 
1. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX CAPITAL ONE N A Account Number : XXXX This is not mine. 

6. Identity Theft XXXX CAPITAL ONE N A Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX  Account Number : XXXX This is not mine. 

11. Identity Theft XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation