hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-05-04
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. (WI)

Complaint:
It is the Credit Reporting agencies duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are not. XXXX is reporting 10 inaccurate late payments for the XXXX with the account number of XXXX. This includes late payment ( s ) 30 days from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. It also includes XXXX XXXX XXXX, XXXX, XXXX and XX/XX/XXXX. These are incorrect and supposed to be reported as Paid as Agreed. Furthermore, pursuant to 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person ( s ) making the report. A transaction constitutes these late payments resulting in XXXX violating my Federally protected rights. To add to this, I did not give XXXX written instruction/permission to furnish these inaccurate late payment ( s ) on my consumer report of file, thus violating 15 U.S.C. 1681 b ( a ) ( 2 ). It is clear that XXXX has violated my Federally protected rights under the FCRA and the inaccurate reporting is causing me undue hardship and my reputation severe harm and discrimination.

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 2018-03-14
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Columbia Recovery Group LLC (WA)

Complaint:
We

received notice of collection dat ed XX/XX/XXXX. I called and spoke to a representative onXX/XX/XXXX. We do not dispute the debt but we do dispute the amount. I sent a letter via overnight delivery disputing that amount. I received a letter dated XX/XX/XXXX supposedly enclosing validation of the amount. However, there was no validation of the amount in dispute. I then attempted and left numerous voicemails for, the representative I had been speaking with. On XX/XX/XXXX I spoke with a different representative. I attempted to discuss with her the disputed amount. She refused.

She then proceeded to call me, my husband, my mothers-in-law and my husband 's employer approximately 10 times per day. I spoke with her again today, XX/XX/XXXX. 

She informed me that they have entered judgment against us ( without our knowledge ) and will be garnishing my husband 's wages. I sent a letter today via overnight, return-receipt, stating all future contact must be via mail. That all documentation must show that the amount is disputed and that we will be hiring legal counsel.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-13
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: ARVEST BANK GROUP, INC. (AL)

Complaint:
Arvest bank is reporting an account on my credit that is not mines

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (CA)

Complaint:
XXXX  requested I pay for internet service for three out of four weeks when I no longer had service with them after moving out of my home on XX/XX/2020, after losing my job due to the pandemic. I returned their equipment at move-out. XXXX  said if I didn't pay the last monthly invoice they would take me to collections. They said they have a new policy where they do not prorate the bill. I didn't pay ( for service I never received ) and they sent the unpaid bill to collections. The collection agency filed with all three credit bureaus which have lowered my credit score and affected my ability to rent again now that I am re-employed. I sent a letter to Management appealing the bill but never received a response. Recently I filed a complaint with the FCC. XXXX  finally called me. They apologized and said there was nothing they could do. I owed the money despite vacating my apartment and not having internet service for the majority of the time for the last invoice. They told me their policy is no pro-rations period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Complaint:
To : SELECT PORTFOLIO SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX cc : Consumer Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re. : SPS account # XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX Fl XXXX NOTICE OF VERIFICATION DEBT I am writing this letter in response of Select Portfolio Servicing Inc,  assertion on your proof of claim /letter dated XX/XX/2019 that you hold or a third party is the owner of the account and Mortgage of property XXXX XXXX   XXXX XXXX XXXX XXXX Fl XXXX. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you has been falsely claiming. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. Identify the original creditor and address 3. The agreement bearing my signature stating that I have agreed to assume the debt 4. Valid copies of the debt agreement stating the amount of the debt and interest charges 5. Complete payment history on this account along with an accounting of all additional charges being assessed/ complete history payment from all Debt collectors used in the past 10 years 6. Commission for debt collector if collection efforts are successful.

7. Default date of Mortgage 8. Proof that the Statute of Limitations has not expired 9. Any Judgments obtained by any creditor regarding this loan 10. Show me that you are licensed to collect in my state ; and 11. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX Email : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
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. (FL)

Complaint:
Hello, I request them to remove all these items before I continue to take further action, i have already filed with the FTC and police reports. 

XXXX Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX inquiries on my report I did not authorize or pursue. Please have them remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
To whom it may concern : On XX/XX/2020, I completely paid off Bank of America credit card account through an online payment, called in confirmed with agent of bank of america that entire balance was paid off. Bank of America then cut my credit line after paying off entire amount, and did not sight any reasons. All payment histories were on time prior to pay off. In addition, after paying off the entire balance, and closing my account they have now billed me for interest and sent me to collections which appears on my credit report. This is pure negligence and improper by Bank of America, I called and verified online that the entire bill was paid, Bank of America closed my account, and now has sent me to collections which appears on my credit report, there was no reasonable way of knowing of this interest as bank of america confirmed account was paid. 

Sincerely, 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 monetary relief
Consumer complaint received 2020-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (WI)

Complaint:
I checked my credit report and noticed discover bank have placed a hard inquiry on my profile and I never applied for any type of account or credit card with them I have no knowledge of this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
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: Experian Information Solutions Inc. (FL)

Complaint:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT ED/XXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT XXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 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 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Complaint:
I dont know where to put myself in this situation thats taking place at the moment. I thought that Credit Bureaus are set to comply with the FCRA laws. But based on what I see, it seems that Equifax doesnt have any fear of neglecting this kind of complaint. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please comply with the law and DELETE the account right away. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
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: Experian Information Solutions Inc. (GA)

Complaint:
XXXX ; Experian and XXXX are reporting incorrectly a collection/charge-off in the amount of {$2700.00} on the XXXX XXXX/XXXX  XXXX EN account number XXXX. ( Please see page attached from my credit report. ) I was moving and was searching for a new place to live and found XXXX XXXX XXXX apartments on-line. They were advertised as newly renovated and move-in ready. ( This was completely misleading and fraudulent. ) The pictures on-line portrayed a clean and safe complex. I contacted the leasing agent and paid the deposit and fees and rented the apartment. When I arrived at the apartment complex on XX/XX/XXXX they showed me the apartment they said I had agreed to rent. The apartment was inhabitable!! The carpets were filthy ; the bathroom smelled of raw sewage ; the kitchen had never been cleaned, the entry and other common areas were not kept up, there was trash and dog XXXX and XXXX on the stairs leading up to the apartment. I went directly to the front office to complain however they were not responsive and didnt appear to care. I had no choice but to move in. I had no other place to go. Shortly thereafter on XX/XX/XXXX I contacted the apartment manager to discuss the filthy living conditions of not only the physical apartment but the hallways and other common areas of the apartment complex. ( Please see reviews that have been submitted on line discussing the same issues. ) ( I have attached a copy of my initial correspondence dated XX/XX/XXXX. ) After living there for a short period of time, the conditions grew worse and there was no way I could allow myself and my XXXX XXXX XXXX child to continue to live in the condition of the apartment or the unsanitary and unsafe living conditions of the common areas of the apartment complex either, so I moved out. I spoke with a representative from the corporate office and was told that they would work something out with me and that they would not send this account to collections. ( Please see correspondence attached dated XX/XX/XXXX, XXXX and XXXX. ) I never heard back from them again until I received a bill for {$2700.00}. Only when I received a copy of my most recent credit report did I discover that this account had gone to collections. The corporate office never had any intention of working with me even though the attached correspondence from them states otherwise. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2022-03-07
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. (FL)

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2018-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (CA)

Complaint:
I had previously blocked and reported as SPAM this number on my cell phone, but I got a voice mail anyway. The name of the company ( apparently ) is Dynamic Recovery Solutions. There was a toll free number to call back in the voice mail, but I didn't write it down, because I don't owe anyone any money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-04
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. (AL)

Complaint:
I have asked the credit bureaus to remove addresses that not mine my correct address is XXXX XXXX XXXX XXXX, XXXX, AL XXXX I am including a bill with my correct address on it .Please DELETE the wrong addresses XXXX XXXX XXXX, XXXX XXXX Ohio XXXX, XXXX XXXX XXXX, XXXX XXXX AL, XXXX. The following jobs are not mine XXXX MO, XXXX XXXX XXXX, UH My current job is XXXX XXXX. I should have ONE variation of my name that is XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
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:
As Previously explained I have a charge off account for XXXX XXXX XXXX that doesnt belong to me for an amount of {$1000.00}. Another account Im being held responsible for due to identity theft!

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 2023-06-22
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. (TX)

Complaint:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this 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 2023-03-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (IL)

Complaint:
Hello, My name is XXXX and I need help... 

XXXX XXXX XXXX XXXX : XXXX Start Date:XXXX Initial Balance : {$26000.00} Remaining Balance : {$17000.00} I put a down payment on a truck in XXXX, Within 5 months the engine went out. I went to XXXX dealership, and they say they put a new engine in the vehicle and apparently they didn't. Now not even 2 years later I need another engine on the vehicle. My vehicle doesn't run and I'm stuck paying a car note of XXXX a month. XXXX XXXX in XXXX XXXX IL is now telling me that my warranty has ran out but I already used the warranty 5 months after putting down a down payment. Now I have to file bankruptcy because I cant receive another loan since I already have one with Credit Acceptance. I feel its very unfair that XXXX XXXX are giving people vehicles that barely work and now where stuck and in debt because of it. Is it any way you can look into this situation? I just dont want anyway else to have to go through what I'm currently going through. They need to be shut down 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 2019-06-24
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. (FL)

Complaint:
On XXXX XXXX, I applied for an auto loan. I authorized the dealership to pull my credit, but had 10 other inquiries from banks they sent for approval. 
I read that any inquiries from purchasing an auto loan would be counted as one, instead, my reports are now showing 11 inquiries, one from each bank, if they were pulled within 14 days. 
This is the second time a dealership has shopped for approvals and rates for me that this has happened. 
There should be one report that can be shared with different bank/finance companies that the dealership shares the one report with that shows all three bureaus.

Company response to consumer: Closed with explanation