hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

Complaint:
I was wrongly billed by XXXX XXXX XXXX XXXX for what appears to be a bridge toll. The license plate shown in the attached photo on the document that XXXX sent me is not registered to me, never was, I do not own a black or dark colored vehicle, and to top it all off, I have never been in the state of New York. I have never been north of southern Virginia and XX/XX/XXXX was a Thursday and I was at work in XXXX, Florida at the time and date shown. I sent XXXX a copy of their form back signed and dated disputing the debt and thought everything was over with. I was then contacted by Transworld Systems on XX/XX/XXXX at XXXX p.m. and told that my account was in collections with them and I owed them {$110.00}. I explained to them that I do not have an account with XXXX and the debt is not mine and I sent XXXX a response to their bill stating the same. I told the person on the phone that I will never pay a debt that's not mine. The person on the phone abruptly got off the phone with me and I have not heard from them since. A written demand for payment from Transworld Systems arrived to my home XX/XX/XXXX. I have spent almost 10 years rebuilding my credit since filing for bankruptcy in XX/XX/XXXX. I do not want these collections people ruining my credit due to this fraudulent billing. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (MA)

Complaint:
I received a notice from ASPIRE that I needed to recertify my income for my income based repayments. I went to the department of education site and tried to go through there but there was a HUGE notice saying I was not required to recertify my income on loans for another year, nor were they supposed to be charging interest during the Covid -19 Pandemic. The first time I called the customer service agent gave me a one month forbearance for XXXX and told me that I would have to recertify on paper instead of electronically if I couldn't go through DOE as that was a separate website. I do not understand how ASPIRE can require me to recertify my income when the DOE says it's not necessary. I have not received anything from my other loan holder as I think they are following the rules. 
The second time I called I was given the same runaround that I would have to recertify through the mail. I do not own/have access to a printer to print relevant documents, and there is a requirement when you sign that you agree to provide relevant documents. They have not provided an electronic means and the closest printing service to me is a 3 mile walk as I have no car. I finally tried to email them through their website and I received a form email saying please call customer service ( hard eye roll ). 
Yesterday I received a bill stating I owe a {$150.00} payment by XX/XX/XXXX, an amount I can not afford to pay. I have worked very hard to rebuild my credit score and don't want it ruined by this. Today I am sending in the paper form with notations that I can not provide documentation if they do not give me an electronic means to do so. I would like two things to resolve this : 1. Either provide me with electronic means to submit documentation OR, even better, just recertify my {$0.00} income based repayment for another year as required by DOE.

2. Stop charging me interest when they aren't supposed to and remove any interest they have charged me during this pandemic. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
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: EQUIFAX, INC. (AR)

Complaint:
My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
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. (FL)

Complaint:
On XX/XX/2020 I was submitted Disputes letter regarding to those inaccurate and unknown accounts on my credit report. Over 30 Days now but I didn't received any response. I was a victim of Equifax Data Breach. I demand to Deleted those account ASAP or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (UT)

Complaint:
I am a customer of the Ally Bank. 
There were three separate charges made to my checking account. 1st was {$40.00}, the 2nd and 3rd were {$20.00} each. The charges were made on XX/XX/XXXX at the same time. I have reached out to their customer service line and they canceled my debit card and issued me a new one. They also filed a police report for me and had me dispute those transactions on their banking website.

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 2017-08-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
I was notified by Bank Of America that I was committing a form of fraud because checks were being written and funds were not available intentionally. I had funds available per my account balance shown online and based on this information I continued to use checks. I then was one day notified account was closed due to fraudulent activity and was reported to XXXX XXXX and have been trying to resolve issue for about 2 years now. No help from Bank Of America and I even wrote them an explanation for good faith due to being unaware of process and delay to updates made on account when using checks. I resolved anything owed to the bank and then asked to be removed from XXXX XXXX and nothing has been done.

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 2023-06-20
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. (GA)

Complaint:
In accordance with the Fair Reporting act XXXX  Account XXXX XXXX # 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 604 2 : It also states a consumer reporting agency can not Furnish 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 2017-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

Complaint:
I have a credit card with USAA Federal Savings Bank. I have had the card for well over five years and have never missed a payment. I received a call on XX/XX/XXXXfrom a collection agent telling me that I had failed to make my payment. I immediately scheduled an online payment from my account at a different institution effective for XX/XX/XXXX in the amount of {$110.00}. I then chatted with a representative from USAA and once she looked at my account waived the late fee because I have never been late on a payment. The payment of {$110.00} was effective for Friday XX/XX/XXXX. Once the payment was applied it should have made my balance on the card {$1900.00} giving me an available balance of {$95.00}. When I checked the account on XX/XX/XXXX my available balance was still showing a negative {$24.00} credit. I started a chat session with XXXX XXXX and was told that due to my card being over the limit by {$24.00} and my payment being missed they had placed a hold on my ACH payment that was effective on XX/XX/XXXX and it would not be released until XX/XX/XXXX. That is 7 days after my ACH payment was made. XXXX XXXX told me he was sorry and that there was nothing they could do about it. This is the first time I have ever had a missed payment and I remedied the situation as soon as I realized my mistake. Holding my ACH payment for 7 days is excessive. An ACH payment only has a two day window where it can be returned by the paying bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Source Receivables Management LLC (TX)

Complaint:
Account was closed and phones returned to XXXX on XX/XX/2017. Within two months of closing account, XXXX claimed phones were never returned and account was not closed. The issue was briefly resolved, then within 6 months statements began showing up again. Then the account showed up on my credit report under collections. The collections would get disputed, removed, then show up again on my credit report under a different company. XXXX refuses to assist, stating the store the phones were returned to did not process the phone return and account closure correctly. To make matters more difficult, the store the phones were returned to is no longer open. The representatives at XXXX can not even locate the store in their database anymore. Now the account is showing up multiple times on my credit report with no help in sight in getting it resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
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: EQUIFAX, INC. (IL)

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-21
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: EQUIFAX, INC. (CA)

Complaint:
I have recently identified incorrect information on my Equifax consumer credit report. There are several inquiries which I have indicated were not authorized by me and have been identified as fraudulent or the result of an attempt of identity theft. I have added initial fraud alerts to my consumer reports. I have notified Equifax of the fraudulent inquiries and every attempt to dispute them results in the same response that " Inquiries are a factual record of file access and will remain on the credit report for two years ''. However, the information being reported is inaccurate as it was possibly the result of identity theft or fraud. As indicated previously, I was a victim of the Equifax Data Breech and believe my information was compromised. As it stands, Equifax is refusing to properly investigate my claims and resolve my dispute. I recently filed a dispute through the CFPB website ( CFPB # XXXX ) indicating the inquiries and their response was that the verbiage, format and associated documents in my complaint are similar to other complaints received by credit repair agencies. Because the complaint did not appear to be a direct communication from a consumer, they were not going to give my complaint any further consideration. This is unacceptable as a response to a legitimate complaint. I am very capable of researching the Fair Credit Reporting Act and citing the applicable regulations when launching a complaint - and I do not work for nor have I retained a credit repair agency. If Equifax refuses to properly conduct an investigation into my concerns, I will have no other option than to pursue litigation. At this time, I am making a final request to Equifax to investigate and remove the incorrect/fraudulent inquiries from my credit report within 30 days or I will seek legal action. The inquiries which were made without a permissible purpose and the result of identity theft are as follows and should be removed. XXXXXXXX XXXX  XX/XX/XXXX After researching and confirming with the bank, the following inquiries are currently reflecting as hard inquiries and should be reflecting as soft inquiries. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (TN)

Complaint:
I requested verification on the alleged debt XXXX XXXX XXXX is attempting to collect on. I sent a letter of verification and requested the original lender 's information so I may investigate the debt said owed. I also requested proof XXXX XXXX XXXX could legally collect in the state of TN. 

I requested this information on XX/XX/XXXX by mail and did not receive an apply back.

On XX/XX/XXXX this account was added to my credit report and I was not provided the information I requested to validate the said debt. 

This collection agency is not license to collect in the state of Tennessee. 


Please assist me in this matter

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 2021-04-15
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: EQUIFAX, INC. (OH)

Complaint:
I reviewed my credit reports and found unverified accounts. I had previously disputed this account. I have never done business with the listed consumers. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begins 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. Please Cease and Desist all further communications and collection actives and provide the verification of the purported debt. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( PAID IN FULL BUT STILL SHOWING ON MY CREDIT REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CarMax, Inc. (CA)

Complaint:
I went to Carmax on XX/XX/XXXX and purchased a 2010 XXXX XXXX. The car came with a 90 day warranty, and the engine failed literally on the 91th day. Since the summer of XXXX, this car has been parked in my driveway undriveable since it needs a whole new engine. 

Regardless of the engine failure, I have always made my payments every single month. Approximately in XXXX of XXXX, my credit union XXXX XXXX merged with XXXX  XXXX XXXX XXXX, and it caused some problems with the routing # and account #. I was assured by the bank that I could continue to use my same account numbers to make my payments, as I had been for the entire year before. So every month I'd call CARMAX and make a payment over the phone using the same information I've been using. Well due to the merger, my payment was rejected for the month of XXXX, leading to a late payment in XXXX of XXXX. I was never notified by CARMAX of this. By the time I realized what was going on, this account was going on 60 days late and the only reason I found out was because I received a XXXX letter from Carmax. After speaking with Carmax they stated they tried to call me, but the phone number they called was entirely incorrect, it was not even close to my number. I've had the same number for 25 years, so it was not due to me changing my number and not notifying them, they simply had a wrong number and it was not my fault. As soon as I found out about this, the account was brought current. Since then, I only walk into CARMAX and make a payment physically to avoid this from happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (GA)

Complaint:
XXXX XXXX XXXX is attempting to collect a significant amount of {$950.00}. This is an outrageous and horrendous amount since I don't owe them that much. I called them and a representative told me this onXXXX. I believe this is coercion because they have also threaten to sue me for the deceptive amount via mail. They have also attempted numerous of times in unwanted times of the day to call me in attempt to collect this fraudulent amount of debt. I believe this is in direct violation to the Fair Credit Reporting Act because of inaccurate amount and the huge count of unsolicited calls made to my personal phone line by this collection agency. They also fail to report the collection to the three major credit bureaus when this account got sold into collections back in XX/XX/2020. This is more than the 90 day period it takes for it be reported as collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC (MN)

Complaint:
First call was from a different number back in XXXX, unsure of date and time. Second call was XX/XX/XXXX at XXXX. Told them to quit calling me as I do not owe this debt. They called again XX/XX/XXXX at XXXX. Left message. Blocked and reported number. Called again today, XX/XX/XXXX at XXXX. Left voice message. Called again and told them to take me off their call list.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BB&T CORPORATION (NC)

Complaint:
My wife received a phone call from a " BB & T Fraud Specialist '' to address a recent attempted charge in Florida. They addressed her by her legal name and had her phone number ( in order to call her ). They called from a legitimate BB & T Customer Support phone number. My wife denied this attempted charge and the individual stated that since there seemed to be fraudulent activity then he wanted to go over recent charges. He stated various recent charges that were completed through our checking account by either myself or my wife as we have a joint checking/savings account. We found out later that this was a spoofed call and that this was not BB & T. However, as they had personal information regarding my wife and our checking account, we believe this is an internal hacking at BB & T. As a result, we have both changed our phone numbers, multiple passwords associated with various online accounts, and have closed the compromised accounts with BB & T and subsequently opened new ones.

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 2019-05-23
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Performant Financial Corporation (FL)

Complaint:
My husband is the debtor but this company is contacting my former co-workers and asking for him or me. I am not responsible for his student loan debt. The people being contacted are unrelated to my husband and this is affecting my professional reputation.

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 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (SC)

Complaint:
My mortgage company Shellpoint Servicing has reported over 90 days delinquent in mortgage payments on my credit report despite approving me for a forbearance and then a deferment under the CARES Act as a result of the COVID-19 pandemic. I was initially approved for a forbearance for XXXX - XXXX. In XXXX, I made two payments which were refunded as the file had not been updated to reflect the end of my forbearance. I was then approved to defer the missed payments to the end of the loan. I have never been late on any mortgage payments and as a result of these delinquencies in my report, It has cause adverse impact on my credit. I have reached out to the company and the matter has been referred to their credit department. I have been denied for a loan due to the delinquencies showing on my credit report and need it corrected as soon as possible.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation