hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-08-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (ND)

Complaint:
And as far as dates and times this has been going on for years I finally decided to fight back I'll get as close as I can on the dates from XX/XX/XXXX all the way up to XX/XX/XXXX every day they would call even on the weekends then I heard if you use the word stop, then they would stop and it did. Then the letters started coming and I found some in accurate information XXXX XXXX, XXXX XXXX. I wrote letters to all of them asking them for a detailed account of the information they had I told him they have 30 days to respond. This was sent on XX/XX/XXXX. No response then I got to looking at the dates on what was being reported and found with all three agencies that there's inconsistencies in their dates and Active this is incorrect or this is why I am writing to you. I am familiar with something called 15 USC section 168. I heard that if you can provide proof these cards must be deleted and I want these accounts deleted if they are not 100 % correct please investigate I know you have 30 days to complete an investigation. Can you please remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
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: Experian Information Solutions Inc. (PA)

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately By law Delete all incorrect information and account listed in the document below from my consumer report immediately as it is hindering me and should not be reporting on to my consumer report and violates several laws under the FCRA and FDCPA.

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 2019-09-03
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. (FL)

Complaint:
On XX/XX/2019 I experienced hardship due to the government shut down that had taken place. I called into XXXX XXXX and spoke with a Representative who advised he was not able to assist me. When logging in to make my monthly payment the option for a payment arrangement was offered. At NO point did it mention by signing up with this payment plan I would be reported late to the credit bureaus. I received Multiple 30 day lateness on my credit report. For the month of XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
Hello, I have been banking with Bank of America for years when I decided to open a credit card with them in XXXX of XXXX. As you can see with the attachments below, I was on-time for every single payment, not ONE payment was made late in the six years that I banked with them. 

However, when I decided to pay off my debt ( this year ) because of all the uncertainty this nation has faced with the pandemic, my account was immediately closed by the credit grantors. In several attempts to re-open my credit line with BOA, I was rejected and this lead to the decrease in my once healthy credit score. 

I was an exceptional, on-time credit banker for years and to be taken advantage of in such a manner is not only harmful, but unacceptable. I am appalled and would like for my account to be immediately reinstated. As you all know, this has vanished 6 years and 5 months of perfectly good credit from my record and is completely damaging to me. I had full intentions of using my credit card ( specifically during this time of crisis ) and was not able to once I paid off my debt. This is the difference between me being able to sleep safely at night and me being homeless. This is a serious matter and I need it to be resolved as soon as possible.

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 2018-11-13
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. (OH)

Complaint:
I have a list of accounts and amounts that are not mine at all, I would like them removed from my credit report because it is stopping me from refinancing my home XXXX XXXX Account Info {$1300.00} XXXX   {$100.00} XXXX XXXX {$1600.00} XXXX  {$390.00} XXXX XXXX XXXX {$59.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$200.00} XXXX XXXX {$13000.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$540.00} XXXX XXXX {$300.00} XXXX XXXX XXXX. {$250.00} XXXX XXXX XXXX {$29000.00} XXXX XXXX {$15000.00} XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX {$1000.00} NOW THESE ACCOUNT BELOW BELONG TO ME BUT THEY ARE REPORTING I HAVE MISSED A PAYMNT AND I HAVE NEVER MISSED A PAYMNT XXXX XXXX XXXX FOR THREE ACCOUNTS ALL SAYING I WAS LATE AND I WAS NEVER LATE

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 2017-02-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NH)

Complaint:
I am cosigner for my mother 's Navient private school loans. My mother has been trying to work with Navient to pay her loans in a way she can afford, but they only want to work with me at this point because they know I have a decent income and they say I am " equally responsible ''. I have been talking with Navient for about 10 months now and have not been able to work out our issues. I am hoping you will be able to help me. 

My major issue is that Navient has my name on XXXX separate private loans that they claim I cosigned for, yet XXXX of the promissory notes does not have my signature on it ( loan is for {$7000.00}, but final charge was {$7200.00} as seen in the paperwork ). The other XXXX loans DO have my signature and I understand that I am responsible for them, but I will not agree to pay on the {$7000.00} loan until they provide me copies of documents that I actually signed. Navient assures me that they have a signed document on file, however they have sent us XXXX copies of the " master promissory notes '' ( XXXX to myself and XXXX to my mother ) and there is no signature on that document in each packet. I keep calling back and requesting to speak to the department that sends out the documents, but am told that department does answer phones or speak to customers. Seems strange!! 

I am willing to work out a settlement with Navient and they have agreed to a 65 % settlement of the XXXX loans combined, but I do not want to agree to that until I am positive that I truly signed the promissory note for the {$7000.00}. I am really looking to get my name released from the {$7000.00} loan that I never actually agreed to and will make a settlement on the remaining debt. I have only attached the unsigned promissory note, but can certainly provide you with all XXXX of the promissory notes they have sent me if you should need them. 

I do not seem to be getting anywhere with Navient at this point and am requesting your assistance in this matter. I am a responsible person, am well educate, have paid back all of my own school loans in entirety and I am willing to pay back a reasonable settlement on behalf of my mother. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
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. (MO)

Complaint:
I am appalled by the ability of the Credit Bureaus to ignore my letters and not comply with the FCRA section 605b despite all the letters and complaint I have been submitting to them. I am frustrated by these action taken by the Credit Bureaus. The last letter I sent to the Credit Bureaus was dated XX/XX/XXXX with complete attachments of my Driver 's license and Proof of billing address as well as the ID THEFT REPORT I received from the FTC. I have read that the Credit Bureaus are required to remove any accounts and information that a consumer identifies as an item that resulted due to identity theft. I am now submitting this complaint to protect my rights under the FCRA which is clearly being violated by the Credit Reporting agencies by continuing the reporting of the accounts and information without proper verification. Pursuant of the FCRA XXXX XXXX, I need the following items removes as from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. 
XXXX F XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX CT XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/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 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

Complaint:
I am resubmitting my complaint trying to get my EQUIFAX credit report I have been trying since XX/XX/2019. this company is asking me to resend my personal information yet again and what they are asking for I have already sent this company. I have refused to send my personal information in the mail again and when I did send it I received two letters from Equifax XXXX first letter dated:XX/XX/2019 and the second letter dated XX/XX/2019.And now I have received letter number 3 dated XX/XX/2019 asking for more personal that as I have stated above has already been send letter # 3 is from XXXX XXXX.CFPB I JUST WANT MY FREE ANNUAL CREDIT REPORT PLEASE HELP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Complaint:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
In accordance wi the fair credit reporting act, Credit collection XXXX  account number 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 an 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 non-monetary relief
Consumer complaint received 2016-07-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Jon Barry and Associates, Inc. (SC)

Complaint:
I am filing this complaint against Paragon Revenue Group. They are trying to collect on an account that was paid a long time ago. Paragon Revenue Group never sent me any documents on this alleged debt. They just started reporting a collection account on my credit reports. They never sent me any letters for me to seek validation and or dispute the alleged debt. All this clearly violates the Fair Credit Reporting Act. Plus there is no debt for them to collect on. 

In addition the account Paragon Revenue Group is listing on my credit report is over 3 years old. The account is XX/XX/2012. In my state SC the statute of limitations for both open and written contracts is 3 years. So they are also violating the Fair Debt Collection Practices Act. Please make them quit violating multiples laws by trying to collect on an account that does n't exist. 

In addition

Company response to consumer: Closed with non-monetary relief
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 — Information belongs to someone else
Company: Continental Finance Company, LLC (PA)

Complaint:
I have a Hard Inquiry from XXXX ( Utilities and Fuel ) done on XX/XX/XXXX. I did not apply for a credit card or phone with XXXX. 
on XX/XX/XXXX, following the identity theft plan from the Federal Trade Commission FTC Report # XXXX, i called XXXX fraud department at XXXX and the agent ran my social security number XXXX and found No records of myt social security number appling for a cc or phione service. There was no application regarding my social security number. 
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa 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 2022-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, 1 ) XXXX XXXX, ACCOUNT # XXXX, 2 ) XXXX XXXX XXXX  XXXX ACCOUNT XXXX XXXX, 3 ) XXXX XXXXXXXX # XXXX, XXXX XXXXXXXX # XXXX, 4 ) XXXX # XXXX ... .HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602 ( A ), STATES, I HAVE A RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 ( A ), 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 non-monetary relief
Consumer complaint received 2022-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

Complaint:
Received a notice from CONVERGENT OUTSOURCING on a debt that is not mine. I have no relationship with this company. 
They say it is in regards to XXXX which is investigating my account for FRAUD. How did this company get any information regarding this issue?

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: 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. (DE)

Complaint:
I have contacted Equifax XXXX and experience concerning my student loans which were discharge as of XX/XX/2020 unfortunately they are still affecting my credit and because of the discharge because of my XXXX they should no longer be affecting my credit as a matter fact they should be on my credit at all because of a discharge I have tried several times to get this resolved and steal all three of the credit Bureaus continue To report this derogatory information these items should no longer be on my report at all so I asked them to remove them and unfortunately they have refused to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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. (GA)

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21
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. (IL)

Complaint:
Equifax ; XXXX  and XXXX are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX. Equifax and XXXX  are reporting that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have  contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
I contacted XXXX to regarding the 125 inquiries and hard inquiries that were fraudulently obtain On my credit report and they refuse to remove. Also have a police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Complaint:
I am a victim of identity theft. Someone stole and used my personal information and obtain a state drivers license with my picture on the license and with a date of birth of XX/XX/XXXX and opened up a fraudulent and unauthorized checking and money market savings account with Bank of America. I was incarcerated at the time the fraudulent accounts was opened. Please review attached documents. My date of birth is XX/XX/XXXX. The checking and savings account that was opened in my name with Bank of America is fraudulent and unauthorized.

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