hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2017-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NY)

Complaint:
To Whom It May Concern : I am writing in regards to the late payments on my credit report for all missed payment from the Nelnet accounts &   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  .  <P/> I understand how important it is to make timely payments, and that failure to do so created an inconvenience. However, I missed my payment because of the hardship of my parents passing away, but I have consolidated my loan with  XXXX   XXXX   XXXX  to ensure my financial responsibility moving forward.  <P/> As a courtesy, I am requesting that you send a letter to  XXXX  and   XXXX   in goodwill adjustment and remove the late payments from credit reports because of the following : I have owed Nelnet sinc e  XX/XX/XXXX  and that  has been 7 years of missed payments and can be removed according to the law under the Fair Credit Act.   The credit reports state X unknown since   XX/XX/XXXX  b ut the truth is they were all missed payments. When I ask they state that X means not reported but it is reported and it states unknown and that is not good because that makes my credit report look bad too. That needs to be removed because not true. They know and it is not unknown and by law I can have it verified and they just dont want to remove it, but by law it has be removed after 7 years.   OK on the credit report mean what? I never paid for those months so where is the proof?   Missed payments? I never made payments at all. The balance remained the same until I consolidated to  XXXX  balances. In actuality I still never paid anything and still on  XXXX  a month plan due to financial difficulties. If they stated missed payments then that means I paid some payments, but I never paid anything.      42 loans Nelnet on my credit report and I only had 18 loa ns before the consolidation last summer. I was told that when I consolidated the loans that all the loans that were paid off would not be listed in their entirety, but very sad to see they doubled and tripled loans that made my credit situation worse than it was and it was uncalled for and they can be removed.  <P/> I have consolidated all my loans   XX/XX/XXXX   with  Nelnet  and recently  XXXX   XXXX   XXXX  has my loans. The only people that should be on my credit report should be  XXXX   XXXX   XXXX  and not Nelnet because of all the manipulation of records and I ask that you send a letter to the credit bureaus in good will and thank you in advance. This will help to help improve my credit worthiness and give me renewed confidence.  <P/> Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
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. (MI)

Complaint:
I became fully XXXX in XXXX. None of this was by choice ; unfortunately I became very ill. After recovering from the first event, I notified XXXX of the situation. I applied for Total and Permanent Loan Discharge. For some reason unknown to me, the application for TPD never went thru. XXXX continued to report all kinds of different late payments on my credit reports. Not only did they report late payments, but none of it makes sense at all on how its reported. Some of the accounts were being reported never late and some late all the time. Some of the accounts went from not late to 120 days late. It does not make sense. All of this is 100 % incorrect and needs to be corrected. 

I have sent information to all 3 credit bureaus showing complete discharge of all student loans due to Total and Permanent Disability. When the credit bureaus contact XXXX, someone within the company is reporting that my information given is not correct and the credit bureaus state that the debt is still owed. I have submitted the information received directly from XXXX and from the Department of Education!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
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. (TN)

Complaint:
Prior to my previous complaint submitted to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/2021 sent to your company. In request blocking the collection account and removing from credit report. After reviewing the information from the collection agency, Im aware that the agreement ( s ) provided by the collection agency supporting documentation doesnt bears the signature of the alleged debtor wherein he/she agreed to pay the creditor/lease nor the following address on file for alleged debtor is incorrect. ( XXXX XXXX XXXX, XXXX, TN XXXX ) For further review, Ive attached my social security card, identity theft report, paystub and debt validation letter as it reflects my current addresse ( s ) and identification as my supporting documentation. Thank 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 non-monetary relief
Consumer complaint received 2017-07-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC (FL)

Complaint:
XXXX XXXX is claiming that I still owe {$100.00} from a visit to the emergency room that had an original balance of > {$800.00} inXX/XX/XXXX. According to their website, a payment that I made of {$77.00} onXX/XX/XXXXis still pending application against my outstanding balance. InXX/XX/XXXX, I was disputing the remaining balance with XXXX and requesting supporting documentation to show that my {$77.00} had been applied to the balance. Subsequently, XXXX referred my account over to National Recovery Agency of XXXX, PA.
I received a debt collection letter from them around XX/XX/XXXX. The letter contained no dates on it ( how does that comply with FDCPA requirements? ) and was an attempt to collect the {$100.00} balance that is not completely owed. Upon receipt, I submitted a payment of {$31.00} ( the amount I agree was still outstanding ) on XX/XX/XXXX along with a dispute letter challenging the total amount owed. In support of that dispute letter, I also included a screen shot ( dated XX/XX/XXXX ) of my account from the XXXX  website evidencing the pending payment of {$77.00}.
National Recovery subsequently called on XX/XX/XXXX attempting to collect this debt. During that call, they indicated my check was being returned and not accepted and that they would be looking into the dispute. I authorized my husband, XXXX XXXX to speak with regards to the account. In his discussion with a supervisor name XXXX, he requested that we call back on the following Wednesday and would have more information for us at that time. When we returned the call on XX/XX/XXXX, XXXX was not available and I was instructed that he did not have my information and that I needed to email it to him and XXXX I did so on the same date and have yet to receive a response.
On XX/XX/XXXX I finally received my return check. The letter from National Recovery is dated XX/XX/XXXX yet the post mark on the envelope is XX/XX/XXXX, nearly a month later. Included with my returned check is my original letter and supporting documentation. At this point, I fear that they will begin adversely impacting my credit, when I have been attempting to resolve the remaining balance since prior to referral to collections. National Recovery clearly does not appear to be following thru to support the amount they claim to be owed and by returning my evidence, they have shown a complete disregard for validating the debts they are collecting.
To make matters worse, they have refused to respond to our prior complaint because my husband 's name was also used. Although I 've previously authorized him on the account, they are claiming he is an unauthorized third party as a method of avoiding their responsibilities and being held accountable for their tactics.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Complaint:
In accordance with the Fair Credit Reporting act 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

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 2022-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Complaint:
Funds were wired to an XXXX bank account in the XXXX XXXX which was closed. Funds have not been returned to our account. We have exhausted all options with Bank of America. 
1. USD XXXX were wired to our vendor in the XXXX XXXX on XXXX XX/XX/2022. 
2. We immediately realized the account was closed and contacted Bank of America of the error within 8 hours. 
3. We have contacted XXXX in the XXXX XXXX. They say that account was closed and they have no record of receiving the funds. 
4. We have contacted Bank of America several times regarding returning the funds. The funds still have not been returned. We have contacted the wire transfer department and our branch manager 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 2021-11-18
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: EQUIFAX, INC. (NY)

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them letters for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Please remove the following accounts below : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
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: EQUIFAX, INC. (TX)

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Y XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$820.00} past due as of XX/XX/2021. 
Account TypeCollection Balance {$820.00} Date XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. 
Account XXXX XXXX {$850.00} Date XXXX Dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
There is incorrect and inaccurate information on my credit report with XXXX, XXXX and Transunion such as a extended 90 days and active Fraud Alerts.
Also there is twenty nine unauthorize hard inquiries on my XXXX, Transunion and XXXX .I am providing the Federal Government a list of all the Unauthorize Hard inquiries on my XXXX, XXXX and Transunion credit reports.
The list are as follow.
1.XXXX Hard Inquiries 1.XXXX.Dated XX/XX/XXXX.XXXX XXXX XXXX.XXXX, Texas.XXXX.XXXX  2.XXXX XXXX XXXXDated XX/XX/XXXX 3.XXXX XXXX XXXX.DatedXX/XX/XXXX.XXXX XXXX XXXX, XXXX, Utah.XXXX.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 2.Transunion Hard Inquiries 1XXXX XXXXXXXXDated XX/XX/XXXX 2.XXXX XXXX.DatedXX/XX/XXXX 3.XXXX XXXX XXXX  .Dated, XX/XX/XXXX 4XXXX XXXX XXXX XX/XX/XXXX 5.XXXX XXXX.XX/XX/XXXX 6.XXXX XXXX  XX/XX/XXXX 7.XXXX XXXX.Dated XX/XX/XXXX 8XXXX XXXX.XX/XX/XXXX 9XXXX XXXX XXXX.DatedXX/XX/XXXX 10. XXXX  XX/XX/XXXX-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 3.XXXX Hard Inquiries 1.XXXX XXXX. Miscellaneous Reporting Agencies .Dated XX/XX/XXXX 2.XXXX .Miscellaneous Reporting Agencies.Dated XX/XX/XXXX3XXXX XXXX XXXX XXXX XXXX.Dated XX/XX/XXXX Telephone Company.I do n't have no services with this company.
4.XXXX XXXX XXXX Dated XX/XX/XXXX 5.XXXX XXXX XXXX.Dated XX/XX/XXXX 6.XXXX XXXX .Dated XX/XX/XXXX 7.XXXX XXXX XXXX.Dated XX/XX/XXXX 8.XXXX XXXX XXXX.Dated XX/XX/XXXX 9.XXXX XXXX XXXX XXXX XXXX.Dated XX/XX/XXXX 10.XXXX.Miscellaneous Reporting Agencies.Dated XX/XX/XXXX 11.XXXX XXXX XXXX.DatedXX/XX/XXXX 12.XXXX XXXX XXXX Dated XX/XX/XXXX 13.XXXX XXXX XXXX XXXX. Dated XX/XX/XXXX 14.XXXX XXXX # XXXX Dated XX/XX/XXXX15.XXXX.Miscellaneous Reporting Agencies.Dated XX/XX/XXXX 16.XXXX XXXX # XXXX.XX/XX/XXXX My credit scores are suffering because of the negatives, collections wordings and collections and inquiries on my credit report with XXXX, Transunion, XXXX.
I am XXXX, XXXX and a Military Veteran.I like to apply for a VA Home Loan, but my scores are not high enough to get a better interest rates.

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 2020-11-25
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CREDIT WORLD SERVICES, INC. (KS)

Complaint:
Thank you for your recent contact dated : XXXX XXXX, 2020. 

I wrote to you on XXXX XXXX, 2020, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Carter-Young, Inc. (GA)

Complaint:
Ive had several issues with Carter Young agency. About a year ago, I received a mailed letter saying that a payment of {$1000.00} needed to be paid to remove this account from my credit report. I did not agree to pay this amount because I dispute all charges in connection with this account. I asked for a letter or validation instead. Upon asking I recieved a letter saying that {$2600.00} is owed with a list of charges but NO signed agreement. Keep in mind that I never had any agreement with this company. Ive asked for a written agreement on several occasions and have only received a list of charges totaling to {$2600.00}. About a month ago, I offered to pay {$200.00} to have this issue resolved. I do not owe them any money and refuse to pay {$2600.00} that I dont owe but wanted this removed. I called the agency about a month ago and spoke with a representative about this alleged account. The representative informed me that they will not accept the {$200.00}. She went on to say that she will accept a payment of {$2600.00}. I asked why the balance had changed from {$1000.00} and why the account is only showing on XXXX. The representative said Carter Young can change the debt to whatever they choose when they choose. She said they were running a promotion that made the balance {$1000.00} and whenever they decide to create a promotion they can. She informed me that I can either pay the {$2600.00} or continue to see the account on my credit. It doesnt hurt them, its my credit and Im the one who wont qualify for new credit lines. She said that if Carter Young decides to report the account to the other bureaus next month. I will have to deal with the impacts of not qualifying for a home not Carter Young. I am disgusted with the way I was treated as a consumer. It appears they feel as if in addition to them falsely reporting this debt, they can change the balance whenever they like. Not to mention, the threats of not qualifying for a new credit line to intimidate me into paying this unverifiable debt. They have no disregard to the way this debt continuously shows on my credit report. Now I am attempting to resolve this matter yet again. This debt is being unlawfully pursued by a company who can not verify or validate this debt and feels they can make their own rules at the my expence. According to the Fair Debt Collection Practices Act FDCPA I have the right to claim a validation of this debt and you are obliged to provide me with relevant documentation should you carry o your collection activities. As per an opinion letter published by the FTC reporting this collection is considered as unlawful collection action. In addition, debt collectors can not threaten consumers or intimidate us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
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. (NY)

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX  XXXX XXXX Balance Owed : {$140000.00} XXXX XXXX Balance Owed : {$410.00} XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX Balance Owed : {$940.00} XXXX XXXX XXXX Balance Owed : {$7400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and 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 2021-01-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

Complaint:
I recently obtained a copy of my credit report. National Credit Systems continues to violate my rights according to Fair Debt Collections Practices Act ( FDCPA ). Also this company is in violation according to 15 USC. 1692. I have attached a copy of my ID. This company is defaming my character by constantly reporting this debt on my credit report which is a violation according to 15 USC. 1692d.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Colony Brands, Inc. (AR)

Complaint:
CEASE COMMUNICATIONS AND REMOVE ALL CREDIT REPORTING OR BE SUED. FOR XXXX XXXX AND MYSELF.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

Complaint:
I was recently decline for a credit application. I was going over my file seen addresses that are not mine on my file.My name is XXXX XXXX XXXX. XXXX XXXX is NOT my name please remove any varitions. My current address is XXXX XXXX XXXX XXXX OH XXXX. I have attached a copy of my IRS letter as proof of my address. 
The follow addresses are not mine please delete them they are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have two account the I have never done business with on my report as well XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX Please delete these items they are not mines. I have no record of doing busness with them.

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