hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-02-27
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. (MD)

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 # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the Right to privacy 15 USC 1681 604 A. Section 2 : states a consumer reporting agency can not furnish a Account without my written instructions 15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing the following : Adverse item information other than records of conviction of crime that antidotes the report by more than seven years.

15 USC 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 2021-09-04
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (FL)

Complaint:
My husband died in XXXX lawyers and Trustees left debt and in XXXX doubled that debt using a company call Fiserv Lending Solutions that changed the account numbers on XXXX account that was already fraudulently transferred to me as debt instead of paying it off. XXXX with XXXX XXXX XXXX XXXX used this service to produce documents, new debt of XXXX dollars with rights to sale my home out from under me. Fiserv Lending Solution reproduces new documents, debts and rights against homeowners for banks and lawyers. XXXX XXXX XXXX has a criminal record working in Nursing Homes till a death occurred but is still in good standing with the Florida Bar. He was my attorney writing my wills, XXXX XXXX and business attorney for XXXX. 
One day after death Mr. XXXX took all of our personal information worked with 25 % share holders to appoint personal representative and Trustee XXXX XXXX to open a fraudulent docket with a fraudulent power of attorney under his Mr. XXXX as the deceased before Probate Opened, as the deceased. He used these fraudulent documents to take over all of our personal, business accounts, credit lines and collected 3 life insurance policies and all investment accounts and property. 
Using four dockets and rotating judges Mr. XXXX and XXXX XXXX whom I hired to protect me and my children was able to hide a criminal paperwork with many orders not signed off by a Judge, I will send docket to show this Racketeering. They produced more fraudulent documents and accounting split the estate and named themselves as Trustees and beneficiaries excluding me entirely and cheating my children of their inheritance as well. I am including documents that XXXX wrote of homestead protected and exempt in the hands of XXXX XXXX. Also included is a investigation by XXXX formerly XXXX that the loan I have been paying on does not exist. Also Fraudulent accounting that the credit line was a credit not a debt to me. Also the letter Mr. XXXX wrote to XXXX and Fraudulent debt and account transfers starting in XX/XX/XXXX to XXXX. Also all supporting documents that XXXX has been reopened. There are two civil cases one where Mr. XXXX was awarded legal fees. That case remains open because of procedural mistakes, due process and fraud. The Probate has been reopened for the same reasons and a Civil case in XXXX XXXX for Civil Theft and Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
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. (PA)

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX FINCL XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!

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 2017-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MD)

Complaint:
A tax lien was incorrectly placed upon me. I have disputed this many times with all three creditors and all have removed the lien with the exception of Equifax. I proved to the state of Ohio that I did not in fact owe the state any tax money. This has been on my credit report since 2012. The reference number for this lien is XXXX and was reported on XXXX XXXX, 2012. <P/>It has now been five years and this has been detrimental to my credit score. I did not owe any money to the state and I have proved to them that I did n't which is why it was released and I am respectfully asking for it to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

Complaint:
Rental agency reported amount owed to collection agency. These charges are illegal and were not completed within the appropriate number of days per the Washington laws. 
I have sent emails with all documentation to the original property management team as well as the collection agency and credit bureaus and the company is fraudulently certifying the amounts to be sure even though it goes against the law. The company actually owes me 2x my deposit which is total of {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AMERICAN EXPRESS COMPANY (AR)

Complaint:
I got a call from XXXX and XXXX I believe in XXXX from a very rude guy name XXXX regarding some alleged debt with a credit card from American Express. He wasnt able to prove to me that I owe this debt by proving an original contract or anything showing this debt was mine. He proceeds to tell me that he sent a wage garnishment to my employer which was an old employer and all this was sent without my knowledge. I wasnt concerned being that I didnt work with the company he said he sent he garnishment too and I didnt owe this debt. XXXX then says thats fine and he continues to push and tell me that I needed to pay {$350.00} on this debt or my wages would be garnished with my new employer. I state to him I dont owe anything why would I pay. He goes on and on saying what will happen so me I give in without knowing my rights and made this payment of {$350.00} to avoid my wages being garnished while I dispute the account with American Express being that this isnt my debt. Even though I made that payment in XXXX, XXXX and XXXX still sent a wage garnishment to my new employer and my wages are being garnished. I feel that this was very wrong of them and they have gotten over on me and no telling how many other people they are lying too in order to collect money. They need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
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: Experian Information Solutions Inc. (NY)

Complaint:
AFTER CAREFUL REVIEW OF MY CREDIT REPORT I NOTICED THAT THERE WERE ACCOUNTS THAT WERE INACCURATELY PLACED ON MY CREDIT REPORT. I HAVE NO KNOWLEDGE OF THOSE ACCOUNTS AND I AM REQUESTING FOR THOSE ACCOUNTS TO BE REMOVED AS SOON AS POSSIBLE. I AM DISTRESSED BECAUSE I HAVE NO IDEA WHO WOULD HAVE HAD ACCESS TO MY PERSONAL INFORMATION. PLEASE INVESTIGATE AND HAVE THOSE DEROGATORIES REMOVE.

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 2023-07-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

Complaint:
XX/XX/XXXX - call and spoke to an agent about this credit and collections letter. The agent reiterated what was in the letter ( attempt to collect a debt ). Allegedly an account from XXXX. I did dispute to try and get more information. The collection agency just resent the original letter, with the amount due, and a date. No other details. The agent said this is considered proof of debt and this had been reported to the major credit bureaus. 

In order to get this off my credit, I inquired what a settlement would look like. Initial agent said their system generates a settlement offer, and my offer was 80 % of the debt claimed ( total debt allegedly is {$1900.00} ). I asked if a supervisor or a company leader would be able to negotiate this down. Even though I am not confirming the debt validity, I need this off my credit. It was a this time, the agent then told me the account was not reported to the credit bureaus despite moments before telling me it was. I asked for a supervisor. 

XXXX took my call and regurgitated her agent 's talking points. I asked for the offer letter in writing ; she said she could not do that. I asked if I agreed to their payment plan could I get that in writing, she said no. I then asked, if I make payments, will that ensure no credit reporting ( once we make an agreement ) ; the answer again is no. 

To conclude- they won't provide debt validation ( other than just resending the original letter ). My good faith attempts to resolve this end up in a dead end. 

I am reporting this behavior and request intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
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. (NY)

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-05-24
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2020-08-06
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. (CA)

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.

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 2019-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

Complaint:
I received a copy of my Equifax credit report and noticed that I have these inquiries. I have previously asked/disputed ( 2 ) times for these hard inquiries to be removed. I have not received any documentation providing any information regarding these inquiries and since this is this the case, I hereby request you method of verification for these inquires on my credit report ( both hard & soft inquiries ). You are required to have documentation providing my consent and permissible purpose. If you lack these documents, I ask you to delete these immediately. This is not a dispute ; this is a request for your method of verification.

- Must I remind you that : According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court ordered or requested by a state or local government agency in relation to child support.

Incorrect Personal Information Previously disputed. 
- I am requesting that you delete these inaccurate inquiries from my Credit Report immediately and forward an updated copy of my Credit Report after you have corrected this information. 
- By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 
Unrecognized/ Authorized inquiries previously disputed. I now ask for your method of verification for these. Either furnish proper verification or delete these immediately. 
- I am requesting that you delete this inaccurate inquiry from my Credit Report immediately and forward an updated copy of my Credit Report after you have corrected this information. 
- By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 
Lastly, be sure to include the name and address of the Company or individuals who were directly contacted in regards to this matter. 

Former Address 1 : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IN XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address 2 : XXXX XXXX XXXX XXXX XXXX, IN XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX This letter was sent Certified mail / Return receipt requested & Notarized. Litigation will be pending based on your actions per this letter. 
Certified Mail # XXXX XXXX XXXX XXXX XXXX XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelson Cruz & Associates LLC (TX)

Complaint:
XX/XX/XXXX disputed inaccurate reporting of an item not mine. XX/XX/XXXX credit bureau resolved dispute. Removed negative impact from my credit report. 79 days later same credit reinstated the same negative impact without notice and justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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: EQUIFAX, INC. (SC)

Complaint:
Ive been trying to dispute several accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
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 2018-04-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AZ)

Complaint:
To whom it may concern, My complaint is that I am making payments of {$460.00} per month to Navient and have paid over {$26000.00} into a Student loan ( Parent Plus ) loan in which the original loan disbursement was {$37000.00}. and I still owe {$57000.00}.

This loan was in deferment and forbearance as long as was allowed as we were counseled by the student loan administrator at the school. It was disbursed in XX/XX/XXXX and I began making payments in XX/XX/XXXX. 

I have discussed lowering the balance with Navient and of course they will not. I wrote a letter to my congressman in XX/XX/XXXX who in turn contacted the U.S. Department of Education Federal Student Aid. They sent me a packet giving me all the scenarios for student loan forgiveness which I do not qualify for. I don't even qualify for lower payments given my income.

My greater complaint is that our Federal Student Aid Department will, one, allow a loan like this to be made at all, and two, it would allow a loan like this to be made to students and their parents without insuring that the parties understanding exactly what they are getting into.

When we went into the student aid office, we were in there for all of 20 minutes. The online process was very short and easy. There was no discussion of capitalized interest and what that could look like after several years. We were also told that we could easily transfer the account into his name at a later date. This was not the case.

The amount of interest we are paying is astronomical! This would qualify as loan sharking! I don't believe there are the checks and balances or required education in place for students looking to get a higher education. We are under the assumption when getting Federal Student Aid that the government has our best interest in mind and would not allow us to be taken advantage of in this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
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. (MI)

Complaint:
Experian refuses to remove an account that was not mine. I have sent paper work to them, XXXX and XXXX  and all but Experian refuses to remove the account. I have now sent in 3 sets of paperwork, 4 times and they refuse.

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 2017-08-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Suttell, Hammer & White, P.S (OR)

Complaint:
I am trying to pay off my debts as much as I can. During the recession I have lost my job did not have any funds to pay off the credit card. Now that I work, I support XXXX small children and my wife, who attends college. She does not work. I want to repay the debt, but the debt collection agency added more amount on top of what I owed. They demand more than 13 thousand dollars when the original debt was less than 9 thousand. I contacted the agency to try to settle with them because I can not repay them the whole  amount. They refused and demanded the whole amount. All this years they have not send me any letters or anything indicating that they want to settle and place this matter behind us. I want to make a complaint against this company that they do not want to work with me to settle and that they demand more than what I originally owed.

Company response to consumer: Closed with explanation