hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-02-06
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. (NC)

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC. (PA)

Complaint:
I had auto Loan account Loan was for is for {$15000.00} Amount I paid entire loan {$29000.00}. Loan contract was signed on XX/XX/XXXX Original Rate on agreement was XXXX. % for 60 month terms that would have matured in XX/XX/XXXX. Santander bank misrepresented the terms of the Extensions and did not state that my rate would increase. The Respondent misrepresented to me the impact of receiving a loan extension, including by obscuring that the additional interest accrued during the extension period would be paid before any payments to principal when the consumer resumed making payments, in violation of sections 1031 and 1036 of the CFPA, 12 U.S.C. 5531, 5536. Under sections 1053 and 1055 of the CFPA, 12 U.S.C.

I did contact the Executive Complaints office that reopened my account to be settled as I was not informed on the filing of the charge from the Attorney General as they did not send me any information due to not confirming my correct address which i always updated. I was never provided any information on this case and how I was clearly a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Complaint:
Portfolio Recovery Associates LLC keeps sending me, and has called me several times in the past, for a debt I allegedly owe XXXX XXXX with a Current Balance Due of {$580.00}. It lists it as a current debt on XXXX XXXX, XXXX and that is impossible. I have not used any credit since XXXX when my business in the Florida XXXX was destroyed by hurricanes and I lost all my assets. On the advice of any attorney who I asked for advice on filing bankruptcy to erase the outstanding debts of the destroyed business, he advised me that they were small, unsecured debts and it would be best just to contact the creditors and advise them I was unable to pay them, which I did. I am sorry, but I no longer have copies of the correspondence to the few debtors I had at that time, but it could have been no latter than XXXX, which would make any debt to XXXX XXXX over 8 years old. My assumption was that these small debts would simply be written off. I do not remember what the amount of any debt I might have owed XXXX XXXX at that time might have been but I do n't recall anything over {$300.00}, so the amount of this alleged debt has been written up and the debt has been redated to keep it current. When called by people representing Portfolio Recovery Associates, and they are very good at trying to disguish their identity and the identity of whom they represent, I have never offered any information concerning any debt. Therefore I believe this is a debt that has been sold and redated to keep it current, which I believe is unlawful. It should have been written off several years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14
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. (ME)

Complaint:
This complaint is in reference to my prior complaint against Experian, which is CFPB complaint # XXXX, which I filed as a result of Experian 's complete and total failure to respond to my XXXX letter, demanding they provide me with their METHOD OF VERIFICATION for an account that is falsely reporting in the derogatory. I XXXX of 2021, I sent a XXXX letter, exercising my rights under FCRA, which states that, upon request, the credit bureaus are required to provide THE METHOD OF VERIFICATION that they used to " verify '' an account as accurate, including the original contract containing any signatures. Experian entirely failed to do this. Instead, they simply opened another dispute on this account, only to almost immediately come back and, once again, verify it as " accurate. '' Experian has BLATANTLY violated MY RIGHTS under FCRA by refusing to provide the information that I am fully entitled to, so I filed CFPB complaint # XXXX stating that since they failed to send me the method of verification for this account within 30 days ( they did not end it AT ALL ), they are now required to IMMEDIATELY DELETE this account from my credit report. In response to CFPB complaint XXXX, Experian stated , " We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. At your request to begin a reinvestigation, we are in the process of contacting the data furnisher ( s ) or public record vendor to verify the accuracy of the information with which you disagree. '' THAT IS NOT WHAT I ASKED FOR!!!!!!!!!!!!!!!!!!!! I CLEARLY stated in CFPB complaint XXXX that Experian is now required to DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY for failure to respond to my XXXX letter and provide me WITH THE METHOD OF VERIFICATION with which they are verifying this account. Therefore, my next step is to file a LAWSUIT AGAINST EXPERIAN for flagrantly VIOLATING MY RIGHTS under FCRA by failing to respond to my XXXX letter and failing to provide the documentation that I am entitled to.

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 2018-10-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: ZIONS BANCORPORATION (TX)

Complaint:
On XX/XX/XXXX, I was charged a $ XXXX monthly service fee on my money market account. I called XXXX XXXX on XX/XX/XXXX and asked for an explanation as I thought I could avoid the fee by having an XXXX checking account. The website for the money market account says you can avoid the fee with a {$1000.00} min balance or having a " qualified checking account ''. There are no further details on what defines " qualified ''. The phone banker told me she would forward to other staff. On XX/XX/XXXX, XXXX XXXX ( banker at XXXX ) reached out to me via a secure messaging site. XXXX said the {$12.00} would be refunded, but I was mostly concerned about the error on the bank website. Over the course of a few days, I was pointed to different disclosures that supposedly contained the verbiage on what a " qualified checking account '' was. XXXX via XXXX could never provide any documentation. As a result, I feel many others have been incorrectly charged by XXXX. 

Please see attachments for message exchange and disclosures made available to me via XXXX or their 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 2022-04-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc. (NJ)

Complaint:
On this date XX/XX/2021 XXXX XXXX XXXX opened a collection. 
Account # XXXX {$340.00} that i owe I have never signed any written document saying that i owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that i owe this debt to this alleged company. Please have this removed from all three credit bureus. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Complaint:
To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX  XXXX in my TransUnion file that's maintained under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I owe {$320.00} on XXXX. 

I challenge the accuracy, compliance and reportability of this listing. 

There has been no validation of any information that I owe any type of debt to XXXX XXXX XXXXXXXX. They have not provided me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that I have also mailed them and that they have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 

If the company Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX  P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Attorney General 's Office Cc : 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 non-monetary relief
Consumer complaint received 2015-11-25
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: D. SCOTT CARRUTHERS (CA)

Complaint:
This office is calling me numerous times a day, to my self, my home phone, my spouses phone and also calls me at work when I have notified them not to contact me at work. I refuse to speak with them because they are very rude and demanding on the phone.

Company response to consumer: Closed
Consumer complaint received 2022-12-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
Account Name : XXXX XXXX XXXX Date Opened : XX/XX/2022 Amount : {$160.00} Account Type : Collections This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for 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 explanation
Consumer complaint received 2018-08-30
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: Experian Information Solutions Inc. (IL)

Complaint:
I am writing to request a correction of the following information that appears on my XXXX, Experian, and XXXX XXXX report : I began as a co-signer on a loan with XXXX XXXX XXXX on XX/XX/XXXX and continued to make payments until the car was repossessed in XX/XX/XXXX the car was then sold and written off from a balance of@XXXX  to {$16000.00} i then entered into a verbal agreement with XXXX XXXX XXXX to continue to make monthly payments to of {$200.00} dollars monthly on the account and have done so as we agreed for over a year. The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time as per the agreement with XXXX XXXX XXXX. I have contacted XXXX, Experian, and XXXX and filed disputes via email as well as certified mail with no help.

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 2023-08-03
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: Experian Information Solutions Inc. (IL)

Complaint:
I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence.

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 2018-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

Complaint:
I have tried to communicate with Portfolio Recovery Associates, LLC via certified mail on this particular account for the past three months. I have requested Portfolio Recovery associates, LLC to remove this incorrect account from my credit report. I have asked Portfolio Recovery Associates, LLC also to provide any documents bearing my signature showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I have also asked Portfolio Recovery Associates, LLC to provide names, Addresses and telephone numbers of each person contacted regarding this alleged account. I have told them via certified mail, that one of their employees signed for, that I any automated or XXXX verification is unacceptable. As of this date of complaint that I am filing with you, I have not received any documentation. The only response I have received back is that Portfolio Recovery Associates, LLC has verified and closed the case.

Account Name and address is Incorrect that is on the bill they are saying is mine. 
If not resolved I will be forced to file in small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
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: ENCORE CAPITAL GROUP INC. (FL)

Complaint:
Midland is reporting and should not be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
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: EQUIFAX, INC. (KS)

Complaint:
I am requesting again in regard to the inaccurate and unknown inquiry on my credit report. There are multiple errors shown in my report. Please verify that this inquiry is XXXX percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this inquiry and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

Complaint:
About XX/XX/XXXX, I was informed on a credit report that I had an outstanding debt from XXXX Cable Company for {$180.00}. The information about my name, address, and last digits of my social security number were incorrect. Around this time, I had been a victim of identity theft. I completed a police report, which named the debt collections company, XXXX XXXX, on XX/XX/XXXX. The police investigation dated XX/XX/XXXX, ended with no results. 

I wrote XXXX about the discrepancy on my report The reporting Bureau since placed this account in " dispute. '' They also placed my name, address, and last digits of my soc. sec. number in " dispute. '' Despite the fact that XXXX eventually reported the account is " deleted '' from my report on XX/XX/XXXX, I continue to be contacted by collection agencies. I sent a letter to all the credit bureaus -- XXXX, XXXX, and XXXX -- dated XX/XX/XXXX to reinvestigate the disputed debt or delete it completely according to the provisions of the Fair Credit Reporting Act. 
I am currently still trying to resolve this matter, which impacts my credit for {$180.00}.

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 2020-02-06
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. (NV)

Complaint:
This isn't my account. Please remove it.

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 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
XXXX IVE SENT IN LETTERS DISPUTING THIS NEGATIVE ACOUNT. I ALSO CALLED AND SENT IN A FTC REPORT TO DISPUTE THIS ACCOUNT. I ALSO HAVE SCREENSHOTS THAT SHOWS THIS NEGATIVE ACCOUNT IS NOT REPORTING 100 PERCENT ACCURATE ANYWAY. ON THE SCREENSHOT THE MONTHLY PAYMENTS ARE NOT THE SAME, THE OPEN DATE ARE NOT THE SAME, THE BALANCE ARE NOT THE SAME, THE DATE LAST ACTIVE ARE NOT THE SAME. EVEN THE LATE PAYMENTS ARE NOT THE SAME. ACCORDING TO THE FCRA ALL ITEMS MUST BE 100 PERECENT ACCURATE AND THIS ITEM IS NOT. PLEASE DELETE { XXXX } ACCOUNT # XXXX Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 


FAIR COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

THIS ACCOUNT IS NOT MINES AND IS NOT REPORTING ON ANY OTHER CREDIT AGENCY. I DO NOT OWE THIS DEBT TO TO XXXX XXXX  XXXX. AND I DO NOT HAVE A CONTRACT WITH FAIR COLLECTION WHICH IS A DEBT COLLECTION COMPANY. IVE CALLED AND ASKED FOR ACCOUNT TO BE VERFIED WITH MY WET SIGNATURE ON A CONTRACT AND THEY NEVER SENT IT.PLEASE DELETE

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 2018-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

Complaint:
I have consistently called them trying to make a payment I could afford. They gave me no options at all to repay this loan other than putting it off over and over again. {$1000.00} a month is an insane amount. I had just had a baby and explained I could not afford that. I called them several times a month which they have in their system. No one helped me or gave me options. Please listen to our conversations if you could. I investigated myself and read that I could do a plan which starts low and goes up higher over time. I decided to do this and told the representative and they were not eager to provide this plan. Again gave me all different information on payments everytime you call its one amount and you get a bill for another. Please again listen to the conversation verses the bills they sent. They dont match which is why I had to keep on calling. So I ask why this keeps happening. They say its an estimate. So your making me agree over the phone to pay an estimated price then you bill me another? After agreeing to yet another payment plan they sent me several bills with different amounts. So I call again. They say the system is backlogged and to ignore them. I was to start paying in XX/XX/XXXXstill no corrected bill of what I will actually pay. Lack of information on the phone. They put several over 120 day late notices on my credit report and now I am having trouble obtaining loans and credit cards due to their incompetence. I have wrote to their credit department to have it removed and they will not remove it because they are in the wrong. Please help me to remove these reports.

Company response to consumer: Closed with explanation