hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-01-31
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: Experian Information Solutions Inc. (TN)

Complaint:
Upon looking at my Experian credit report, I noticed that there is a chargeoff from XXXX XXXX reporting on my Experian credit report only. It has no balance due and the date of last activity on reporting to the credit bureaus was XX/XX/2016. This account is right at the XXXX  years statute of outdated reported times : XXXX XXXX : Account XXXX : XXXX Please delete this account for being outdated and inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Information Bureau, Inc. (FL)

Complaint:
I did not receive a phone call or written communication about the debt. I discovered the issue when I reviewed my credit report. Im also unclear why I owe anything at all. Please provide written communication outling the rational for the amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: JDJ Investments, INC. (LA)

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!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
XXXX XXXX IN PARTNERSHIP WITH XXXX HAS VIOLATED MY RIGHTS WITH NO VALIDATING THIS ACCOUNT ON MY CREDIT REPORT. I HAVE ASKED THIS TO BE DISPUTED AND INVESTIGATED. I ONLY GOT A LETTER FROM THE COMPANY THAT THIS ACCOUNT WAS NO LONGER WITH XXXX XXXX  AND FURNISHED WITH ANOTHER COMPANY. THIS SHOULD BE REMOVED IMMEDIATELY. IT HAS CAUSED DAMAGE TO MY CREDIT REPORT AND IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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 2020-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

Complaint:
FedLoan Servicing is mismanaging the Public Service Loan Forgiveness Program. So far, they have failed to properly apply all of my qualifying payments. Although I have submitted my employment certification form each year and have made qualifying payments on each of my loans, there is a discrepancy in how the payments have been allocated. First off, not all of my qualifying payments are showing up in my account. The qualifying payments that do show up are unevenly distributed. Some of my loans show only 7 qualifying payments, while other loans show 16. I also submitted an employment certification form for my XXXX service over a year ago, and they have not processed and applied my qualifying payments to my account. I had to call four separate times to notify FedLoan servicing of the issue, before one of their representatives finally flagged the issue for future review. I call periodically to check up on the status of my account, and each time the representatives are unable to assist me. They say it's out of their hands and they have no idea how long it will take before someone reviews my account. The last representative informed me that they have such a long queue of people who have already completed 120 payments but still have not had their accounts reviewed, that they are unable to estimate how long it will take to look at my account. I was told that my account is not a priority given that I am not close to 120 payments, and this indicates a serious problem in FedLoan Servicing 's ability to manage the Public Service Loan Forgiveness Program. Especially since they are making mistakes on my account this early on, and are unable to fix the issues in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-13
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: EQUIFAX, INC. (CA)

Complaint:
This not a duplicate request. This is not made in error. I do not consent to e-Oscar verification. Please see attached document for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Product: Credit reporting 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. (GA)

Complaint:
Unauthorized Inquiry from : XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

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 2016-07-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Monterey Financial Services LLC (TX)

Complaint:
The original transaction was with XXXX as evidenced in the enclosed documents. XXXX funded the transaction and the debt was owed to XXXX XXXX. However, upon completion of the transaction and subsequent attempts to contact XXXX, I discovered XXXX had ceased operations and had been indicted for fraud by the Federal Trade Commission. 

The debt has now passed the statute of limitations for reporting and for legal pursuit of collection in my home state of Texas. I demand removal of the record of this debt from my consumer credit report and cessation of collection activities by Monterey Collection 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 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DriveTime (IL)

Complaint:
I recently pulled my credit report and saw an unauthorized inquiry on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( XXXX  XXXX ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( XXXX  XXXX ) of any sort. 

In regards to The company ( XXXX  XXXX ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( XXXX  XXXX ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
Letters were submitted to all 3 credit bureaus ( Transunion, XXXX, & XXXX  ) on XX/XX/21 regarding inaccurate information listed on my credit report. As to date, there has not been a response to the verification inquiry/dispute. 

The verification request was in regards to XXXX and XXXX XXXX. XXXX XXXX is listed on my credit report multiple times. 

As you know, according to FCRA the credit bureaus have 30 days to verify the debt or remove them. It has been more than 30 days and there has not been a reply to my request for verification and my credit report suffers due to these inaccuracies.

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 2022-08-03
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. (OH)

Complaint:
In accordance with the Fair Credit Reporting act ; XXXX, Account : # 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 non-monetary relief
Consumer complaint received 2018-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (TX)

Complaint:
Because of the malicious, vindictive credit reporting of NAVIENT, this XXXX XXXX   XXXX XXXX XXXX has been caused to loose thousands of dollars. Additionally, NAVIENT, on the surface, appear to want the obligation paid twice, if not three times. 

THE COMPLAINT : CFPB is reporting to XXXX XXXX XXXX information that does not conform to known facts. The facts are these : 1. My son obtained Student Loans that went into default. 
2. Yes, I did co-sign one or more of the loans. 
3. NAVIENT has held collection authority.

4. All known loans in question have been released to XXXX.

5. XXXX has provided documentation for all interested parties ( XXXX XXXX, the three credit bureaus, XXXX XXXX, and now NAVIENT ) that all known student loans are being repaid under agreements recently ( 5 or 6 months ) made. 
6. NAVIENT adamantly REFUSE to correct their reporting in this manner to reflect the current status and their past role. 
7. NAVIENT know, knew, should have known, should have been advised, or should have sought out ability to correct their reporting system at the time XXXX reached an agreement with my son ; and, they lost ability to conduct any further collection activities, nor report anything other than the transfer to XXXX. 
8. NAVIENT continued, out of a vindictive want to impose pain and suffering to people under a guise of retained authority.

9. NAVIENT went as far as to convince others ( XXXX XXXX, all three credit bureaus, and XXXX XXXX, that me and my son was attempting to perpetrate credit fraud. 
10. NAVIENT continues to try and force collection ( by third parties, like XXXX ) through subliminal tactics of {$35000.00} when they are fully aware that the balance has been reduced to {$22000.00} as of XX/XX/XXXX. This may be categorized as a form of EXTORTION. 

THE PRAYER : CFPB will thoroughly investigate acts and actions of NAVIENT along the above charges, and compel them to correct all contemporary and future reports of this matter according to CFBB investigation results. Advise if Federal laws surrounding this kind of debt and debt reporting have been violated.

NOTE : NAVIENT was granted 48 hours to correct their reporting by U. S. Mail on XX/XX/XXXX. The smug remark made by the NAVIENT representative, and recorded by the XXXX XXXX representative is : It will take us four to six weeks. She did not seem to care that she was impeding a home purchase transaction. 

Support Docs : XXXX letter XX/XX/XXXX ; and, XXXX Student Loan Summary with six month payment history, XX/XX/XXXX NAVIENT XX/XX/XXXX update, XX/XX/XXXXXXXX  XXXX XXXX Review and Summary, XX/XX/XXXX Complaint to Credit Bureaus, XX/XX/XXXX Correspondence with XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX Guide to Navient Lawsuits,?? XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Complaint:
I had a disputed charge. On XX/XX/2023 Bank of America sent me a letter ( received XX/XX/2023 ) that requested additional information about my claim to be received by them " by XX/XX/2023 ''. 

A second letter was received from Bank of America, dated XX/XX/2023 ( received XX/XX/2023 ) stating my claim was denied. 

They denied my claim BEFORE the date stated in the first paragraph. 

Additionally the denial letter stated that BofA had " completed our research ''. I have tried to determine the " research '' via the stated phone number, the web and my local branch to no avail. 

Regards, 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 2020-11-14
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. (IL)

Complaint:
filed several reports ftc report police report XXXX  and XXXX  complied with the laws and removed all negative items that where requested equifax still show these requested items on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

Complaint:
There is information reporting on my credit file that does not belong to me : XXXX XXXX opened XX/XX/XXXX ( Please remove from my credit file ) XXXX XXXX is inaccurately reporting that i was late in XX/XX/XXXX. Please remove these inaccurate lates on my credit file. 

Please remove incorrect address information : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX, and XXXX XXXX Please remove unauthorized inquiries. I did not authorize these inquiries. 

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 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 2019-08-03
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. (GA)

Complaint:
Dear CFPB, I have contacted Equifax Informations Services over 6 times and to no prevail. They are not reporting and investigating the unauthorized and fraudulent account. I have provide all the documents requested by the FTC and Equifax. The creditor stated they have not been contacted by Equifax to verify that account and have no records. 

This is becoming Stressful dealing with Equifax and I am also including in their data breach to add more stress to me and my family. I need this resolve promptly and need Equifax to do the right thing in investigating and removing this misleading information on my credit profile. 

The account that does not belong to me and needs to me Delete and remove promptly is : XXXX XXXX  XXXX XX/XX/2015 {$6500.00} I have tried everything the right way and still Equifax is not doing the right thing to help resolve this situation that against my FCRA rights. 

Thank you for helping me resolve this issue. Appreciative XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TrueAccord Corp. (CA)

Complaint:
I received a letter from TrueAccord, dated XXXX XXXX, 2016, attempting to collect a debt from a short term loan company named XXXX. XXXX appears to be either owned or associated with an online lender by the name of the XXXX ( XXXX ). Both entities appear to be managed by XXXX : XXXX references XXXX Tribal Complaint Hotline ; XXXX references the XXXX. According to TrueAccord, the loan in question was made to a person unknown to me, named XXXX, who used my credit details to obtain the loan. I am not sure if XXXX Tribal Councils are under the authority of the FTC since they are legally considered sovereign nations. But if they are I would like to report an improper loan process. Had either of the original loan makers or the debt collector bothered to inquire with any of the credit reporting agencies, they would have discovered I have a credit freeze on all of my accounts, which requires that lenders check with the major credit reporting agencies as well as to directly speak to me before approving a loan. I received no such call from the lender and the credit reporting agencies say that no such inquiry was made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
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: ATG Credit, LLC (PA)

Complaint:
I attended XXXX XXXX XXXX XXXX back in XX/XX/XXXX then due to circumstances with my family, I had to leave then re-enroll in XXXX. From that first enrollment, I was told by multiple financial aid advisors that I had no other account with them and that I am all up-to-date in my student loans. I received a few calls throughout XXXX regarding an overdue balance of {$4500.00}. I would ask when it was placed, ANY information regarding it and they would just say " you have a balance of {$4500.00} and It doesn't show me any other information after that. There's nothing else on your account so you should be all set. '' I thought it was super weird and suspicious that no one can tell me where this {$4500.00} came from and if it was from that first enrollment period then I can understand but nothing else showed in the system for them? 
After not getting random phone calls every 4-6 months, I received a letter in the mail saying the account is in collections with ATG credit and you need to settle the amount of {$4200.00} immediately. I check my credit score regularly and immediately had seen at that moment it hit all 3 credit bureaus and my score dropped 30+ points. I explained to ATG credit that XXXX confirmed multiple times I do not have any unpaid balance with them and there is no record of that amount coming from anywhere else, not from my 1st enrollment or 2nd, NO WHERE ELSE.

It is extremely fishy and disheartning to see my credit score drop so drastically when I worked my XXXX off building it up to a good spot to buy a house in the near future and to be financially stable. I was at a great place with it, compared to where it was originally, and this collection account wiped away all that hard, earned work. 
I disputed it multiple times with XXXX XXXX and XXXX  but there has been no luck with XXXX. Both XXXX  and XXXX  removed the collection account from my reports but XXXX  is, for some reason, keeping it on there. It is so frustrating because I had the same thing happen with XXXX XXXX and found out, through the XXXX  that they are frauding accounts due to the pandemic. Please comply with the rest of the reports and remove the ATG Credit collection account for {$4200.00} off my XXXX  credit report immediately. Thank you for listening!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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: ID Analytics, Inc. (TX)

Complaint:
I received a letter from XXXX XXXX XXXX on XX/XX/XXXX that referenced my credit score obtained for a new service through SageStreamLLC. https : //www.sagestreamllc.com/ I called XXXX XXXX XXXX and SafeStreamLLC based on the letter I received in the mall on XX/XX/XXXX. XXXX XXXX XXXX could not find the order number referenced after several calls. Unfortunately, though, one of the early calls said the letter must be correct since I recently opened an internet account. I therefore, unfortunately, called them and left my personal info ( DOB, SS, address, number, DL ) through their " automated phone system '' since there is no way to speak to a person. 

SageStream ( now XXXX XXXX XXXX ) company is listed on the .gov site as an actual reporting agency and is the only reason I gave them my information - https : //www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/consumer-reporting-companies/companies-list/sage-stream/ After several phone calls with XXXX XXXX XXXX , it was determined that they have no documentation proving the letter was sent from them. 

Upon review online, it appears this SageStream LLC is a scam even though it listed actual XXXX XXXX XXXX numbers, and I found references this scam has been ongoing for almost XXXX years. I rushed to lock all of my credit accounts and banking accounts immediately. 

The next day, on XX/XX/XXXX, I received a text from number XXXX saying, " I'm XXXX. are you the XXXX XXXX instructor that XXXX referred me to? '' I believe this to be the scammers trying to validate my personal information further. 

There are many complaints online about this type of letter and the SageStreamLLC company, and they believe that it is a scam to steal your identity. The government is supporting this scam by saying they are a legit business.

Company response to consumer: Closed with explanation