hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2017-08-30
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: SELECT PORTFOLIO SERVICING, INC. (CO)

Complaint:
Please reference complaint number XXXX. 

Select Portfolio Servicing in their response stated having submitted a request to suppression of a late reporting in XX/XX/XXXXon my personal credit bureau report. For a period of time this 30 day late was suppressed, however it is reporting again. Could you Select Portfolio Servicing please re-send the same suppression to the CRAs for the same period as they had done so before as I believe this will relieve part of my complaint with SPS? 

Regarding the late reporting showing on XX/XX/XXXX. This was a time period of extreme weather that impacted the processing of payments and deposits sent and received in this area. Roads were closed in some cases for several days and bank branches were unable to open. It is normal for creditors to waive late payment reporting in cases of extreme weather events and natural disasters. Could Select Portfolio Servicing please suppress this 30 day credit item from my report on that basis?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
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. (CO)

Complaint:
My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 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 2022-01-19
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: Experian Information Solutions Inc. (AL)

Complaint:
I have fraudulent addresses that keep reporting on my consumer report please delete these addresses from my profile.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Arete Financial Group (AZ)

Complaint:
Arete Financial Group has been taking money for Student Loan Forgiveness and has not been using it to pay my student loan debt. I recently got an email from the Federal Trade Commission v. American Financial Support Services Inc., et al.

Here are the email contents : The lawsuit Federal Trade Commission v. American Financial Support Services Inc., et al. 
***Do not REPLY to this email. If you have questions, send them to XXXX. 
You appear to be a customer of one of the student loan debt relief companies identified below. These companies have been sued by the Federal Trade Commission for deceptive practices and taking unlawful advance fees. The Court has appointed a Receiver who has suspended the companies operations. 
We recommend that you immediately contact your student loan servicer about the status of your student loans. A list of approved student loan servicers can be found at the U.S. Department of Education Student Loans Website : https : //studentloans.govXXXX 
The Receivers office has set up a webpage with additional information about the lawsuit. XXXX XXXX XXXX We will post updates on the website as the case proceeds, and you can also review a list of Frequently Asked Questions ( FAQs ). The Receiver receives many emails with questions from consumers. We can not respond to each inquiry separately but will update the FAQS as questions come in. In the meantime, we again stress that you should contact your loan servicer The Companies which have been sued : XXXX XXXX XXXX XXXX XXXX ; Arete Financial Group, also doing business as Arete Financial Freedom ; Arete Financial Group LLC ; XXXX XXXX XXXX, also doing business as XXXX ; XXXX  XXXX XXXX , also doing business as XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX , also doing business as XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX , XXXX , formerly known as XXXX XXXX XXXX XXXX XXXX and also doing business as XXXX XXXX XXXX and XXXX ; XXXX XXXX  XXXX XXXX , XXXX .

Company response to consumer: Untimely response
Consumer complaint received 2021-07-24
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: Colony Brands, Inc. (KY)

Complaint:
I had to make a down payment before the item was sent I received the item it was broke I sent the item back have yet to receive any kind of credit and have also made several payments without it showing on my account

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 — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Complaint:
Hello, This account is being reported by XXXX XXXX XXXX XXXX from XXXX XXXX. I did not choose Auto-renew on this account and did not receive services for my pet that were not paid for. My pet has not been to any of their facilities for well over a year as I called in and cancelled the services. I have made several calls to speak with a supervisor and get this resolved and I've been told by phone Rep XXXX XXXX Employee # XXXX ) that I would get a call from a supervisor, and I have not received any responses. This is causing me great harm with my credit score having dropped significantly. I did not receive anything from anyone prior to me getting a notice that my score had dropped and then me seeing it on the 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 2022-02-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NC)

Complaint:
XXXX XXXX I got a notice from ID Notify that my social security number had been found online. I talked to ID Notify and place 1 year fraud alerts at XXXX, XXXX, and XXXX. I filed a police report as well as a report at ssa.gove. I didn't think much of it after that and felt like I had done what I needed to do. Fast Forward to XXXX .... XXXX. In XXXX, I got a package of checks, a debit card, and an account statement for an account at TD Bank. This account was in my maiden name with current address and old phone number. XXXX. I called and asked them to close the account but never received confirmation. XXXX. I called their fraud department to confirm account closure. I never received written confirmation and was told I would not since I " did not open the account. '' XXXX. Following this incident, I placed a security freeze AND 7 year fraud alert at the following places in XX/XX/2021 XXXX XXXX XXXX ( only 1 year due to error* ) XXXX XXXX XXXX XXXX XXXX lost my paperwork for the 7 year fraud alert, so there is only a 1 year alert. I sent it to the address on the form and when I called to confirm, they said I needed to send it to a different address. The XXXX fraud department says to mail paperwork to XXXX XXXX XXXX but the global consumer service dept says to mail the forms to XXXX XXXX XXXX ( same address on the extended fraud alert form ) I called 3 times, and no one could ever help locate my paperwork and they don't have a system in place to even address that, and I never got consensus on the correct address. At the same time I mailed the XXXX paperwork, I mailed XXXX and XXXX with no problems. XXXX. I also placed a 5 year opt out of all offers for credit cards and loans and insurance at optoutprescreen.com. XXXX. I worked with a " Restoration Officer '' from XXXX. She confirmed I had taken all the necessary steps. XXXX. Now, XX/XX/XXXX, I received a second packet of checks for TD Bank with a different account number... I called and asked them to close it. They said they did and that they " filled out a report '' but they can not give me any written confirmation " since I did not open the account. '' I don't feel confident that either accounts have been closed, as I have not received confirmation. I also am very surprised that with all the precautions I have in place TD Bank would even allow for an account to be opened in my name without confirming.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY. I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT YHE FEDERAL TRADE COMMISSION THE INFORMATION ALOND WITH THIS IDENTITY THEFT AFFIDAVIT! I DEMAND THESE ITEMS GET REMOVE IF NOT I WILL PROCEED WITH GETING MY LAWYER INVOLVED WITH THIS INCORRECT INFORMATION THAT YALL ARE REPORTING!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Complaint:
XX/XX/2018 XXXX XXXX should have been deleted permanently XX/XX/2018 XXXX XXXX XXXX should have been deleted permanently XXXX as well should have been deleted permanently

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
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. (IA)

Complaint:
This is the 13th time reporting the same XXXX account with inaccurate information. 

The date of delinquency was early XXXX, making the account over 7 years delinquent and, by law, needs to be deleted from my report. 

XXXX has ruled in my favor that XXXX was reporting inaccurate information and removed the account from my report. 

XXXX and TransUnion have refused to do anything about it. There are so many differences between what XXXX and TransUnion are reporting. 

According to XXXX, TransUnion and XXXX, they are 100 % reporting everything correctly even after providing proof for years that they are not. 

Payment history is different on at least 14 months. 
The date of the last payment is different. 
The date account was closed is different. 

Please delete the account from my credit report immediately!! 

See attached files. 


XX/XX/XXXX XXXX 90 days late TransUnion 120 days late XX/XX/XXXX XXXX 120 days late TransUnion 90 days late XX/XX/XXXX XXXX 120 days late TransUnion 90 days late XX/XX/XXXX XXXX 90 days late TransUnion 60 days late XX/XX/XXXX XXXX 60 days late TransUnion 30 days late XX/XX/XXXX XXXX 90 days late TransUnion 60 days late XX/XX/XXXX XXXX 60 days late TransUnion 90 days late XX/XX/XXXX XXXX 90 days late TransUnion 60 days late XX/XX/XXXX XXXX 90 days late TransUnion 60 days late XX/XX/XXXX XXXX on XXXX TransUnion 30 days late XX/XX/XXXX XXXX on XXXX TransUnion 30 days late XX/XX/XXXX XXXX on XXXX TransUnion 30 days late XX/XX/XXXX XXXX 60 days late TransUnion 120 days late XX/XX/XXXX XXXX on XXXX TransUnion 30 days late Date of last payment. 
XXXX XX/XX/XXXX TransUnion XXXX XXXX Date Account closed. 
XXXX XX/XX/XXXX TransUnion 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
Consumer complaint received 2017-05-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

Complaint:
My nephew attended XXXX XXXX XXXX for 4 years and 1 XXXX year. He intended to become a XXXX  but died at age XXXX. It has been almost a year since he has been gone. I am his aunt with POA for his father ( my brother ). In the last year of school my brother co-signed a private loan.to help with tuition. At this point my nephew owed approximately {$36000.00} to Navient. Since the loan money went to Navient directly, my brother did not understand what he had just signed. When my nephew died XXXX of the XXXX student loans ( XXXX XXXX {$77000.00} in XXXX loans and Navient {$15000.00} in XXXX loan ) were forgiven.. The private loan {$15000.00} was not. I became aware of the problem this last year ( 2016 ) and contacted Navient to find out what had happened. I got a different manager every time I called. I talked to the Navient office of Customer Advocate for Navient. To buy some time I bought several months of forbearance to keep the account out of default while I tried to reason with Navient.. I called XXXX XXXX XXXX Finance department and found they considered the remaining debt as standard of practice should also be forgiven. I tried throgh my US Senator to contact the Federal Student Aid but found the CFPB was the correct department. I did not make any progress toward making a resolution. other than to " just pay up ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
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: CITIZENS FINANCIAL GROUP, INC. (NY)

Complaint:
in accordance with the fair credit reporting act, this creditor has violated my right. Under 15 U.S.C 1681 Section 602 states, i have the right to privacy.15.U.S.C 1681 section 604A section2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 16668B ''A creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose. Citizens Home One Loan, XX/XX/2022. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
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. (PA)

Complaint:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft 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 2019-08-12
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. (NV)

Complaint:
Derogatory accusations including ALLEGED INQUIRIES must be Metro 2 compliant to retain or report so delete these not physically with proof of permissible purpose from the exactly and legally identified as me. I did not authorize you to report not proven compliant information and you must comply.. Delete unauthorized inquiries made by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services (NC)

Complaint:
Debt company, Viking Client Services, is stating that I owe an alleged debt in the amount of {$350.00}. This is completely false and they have reported this debt to credit bureaus. They have defamed my name and I am taking legal action. 

I sent Viking Client Services a Debt Validation Letter, Cease and Desist letter, an invoice for all violations, a copy of their mailed document with all of the violations listed, and a notarized Affidavit of Truth. They have yet to respond to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (CA)

Complaint:
Amount of debt : {$730.00} The address is different from XXXX XXXX  XXXX XXXX, MI XXXX ... .another address XXXX XXXX XXXX XXXX , SC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: World Acceptance Corporation (KY)

Complaint:
World Finance Needs to remove incorrect information from all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
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: Santander Consumer USA Holdings Inc. (FL)

Complaint:
this company is falsely reporting information on my credit file. When I disputed this information it was removed then put back on to my credit report. They did not notify me 5 days before hand by law and i am requesting that this be removed from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 XXXXXX/XX/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 2021-04-16
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: EQUIFAX, INC. (TX)

Complaint:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this, day over 70 days later I have not received a response yet. I feel like I am being taken advantage of and ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 70 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
on XX/XX/2020 a formal letter was mailed to the credit bureau regarding the accuracy of information being reported for XXXX XXXX XXXX Account # XXXX. I requested immediate deletion of this account due to incorrect connotation. 

As of today XX/XX/2020, which is well past the allowed 30 days to respond, the credit bureau has failed to delete this account. Therefore I request that this account be deleted from my credit report immediately.

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 2018-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IA)

Complaint:
I have never had this company in my name. This says it has been open since XX/XX/2017. I have had XXXX for over 2 years. There is no way that this could be my debt. Company has not sent proof that this was done by me. Only thing that I just recently received was a settlement letter. I am not paying for something that I have never had in my name. They are saying I owe {$500.00}.

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