hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-07-25
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. (TX)

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXXXXXX {$33000.00} XX/XX/22 I DO NOT HAVE SS # XXXX 15 U.S.C , 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2018-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Card Receivables Fund Incorporated (KY)

Complaint:
I received a call today from a company claiming to be XXXX XXXX, XXXX, from telephone number XXXX. The person speaking said their name was " XXXX XXXX. '' They claimed to be trying to collect on a XXXX debt in default since 2012. This debt is one which I settled with XXXX XXXX approximately 6 months ago in an out of court settlement. I informed them the debt had been settled and they requested confirmation of this. The e-mail they gave me was : XXXX ( very suspicious ). 

I can find no record of this company, beyond complaints about it and suspect it is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC (CO)

Complaint:
I 've disputed a collection fro m Enhanced Recovery Company over a year ago, and it was successfully removed from my credit history. The company has recently refiled the collection, with an inaccurate date (  XXXX  2017 ) after it has been  absent from my profile for almost a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (GA)

Complaint:
I have disputed this claim to no avail, that was listed on my credit report by Hunter Warfield account XXXX, I have never rented a rental property or have knowledge of one and believe this is a fraudulent account. I am requesting that this be removed from all of the credit reporting sites and my report permanently.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Complaint:
There is a bankruptcy listed on my credit report that does not belong to me. Additionally, there is an address that I have never lived at. Please remove them from my credit history as this is hindering me from attaining a home loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
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. (MA)

Complaint:
My data was involved with the Equifax data breach of 2017. They knew about the breach months ago but I have just heard about it now. 

My personal information has n't been used yet, to my knowledge, but now my SSN, credit card numbers, DOB, and potentially my driver 's license number are now public knowledge. They should have safeguarded this information at HIPAA levels, this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: 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. (IL)

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Complaint:
- Entered XXXX XXXX on XXXX XXXX in XXXX on XX/XX/XXXX to wire proceeds ( {$100000.00} ) from sale of business to personal account. 
- Bank manager, XXXX, states that he can save me the {$36.00} fee and provide a certified check which I can run across the street to Bank of America. 
- I explicitly ask due to the large amount, will BofA put a 10 day hold on the check? I was assured they would not because it was an official check, and asked if the branch manager was sure. He confirmed again and I agreed to take the official check. 
- Deposited check at BofA XXXX XXXX on XX/XX/XXXX immediately after leaving XXXX, as suspected, they placed a 10 day hold on the check. 
- I called XXXX to inform the bank manager, was not a huge deal in my situation as the money wasnt earmarked for anything, but it could detrimental if he does this to someone else using that money for a down payment to a house, etc. 
- Fast forward to XX/XX/XXXX at XXXX XXXX ET, I receive a low balance alert from BofA. 
- I open my app, and not only is the initial hold of {$98000.00} still on my account until XX/XX/XXXX, but theyve also placed an additional debit/hold for the full value of the check {$100000.00}, draining my primary checking account and my secondary account which is responsible for all auto-pay bills. 
- I called BofA Fraud and they had no answers other than the check was flagged as fraudulent, we cant help, you need to talk to XXXX. BofA could not provide any rationale or logical explanation that two holds were placed on the account, in essence freezing any funds that we have. There is no sign of funds in either BofA or XXXX accounts.

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 2022-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Education, LLC dba Aidvantage (TN)

Complaint:
On XX/XX/22, my husband and I contacted Aidvantage to setup payment plans for when our student loans resume after forbearance ends. We needed this documentation to send to our mortgage lender because we are trying to purchase our first home. We were given quotes about the payments ( {$260.00} for me and approx. {$500.00} for my husband ). We received documentation of the payments we were given via email on XX/XX/22. On XX/XX/22, we received different emails with much higher payments ( {$590.00} for me and {$620.00} for my husband ) than what was previously communicated. We both spent hours on the phone to find out that the representative enteres our income information in incorrectly. On XX/XX/22, we called again to request that they recalculate the payments. The reps that we spoke with did that and gave us new payments that we agreed to ( {$270.00} for me and {$360.00} for my husband ). They told us that we should have the information emailed to us the same day. We did not receive that information. So I called back today, XX/XX/22, to check the status of the documentation. The rep said that she had no record of the payment plans that we set up. She then proceeded to reprocess both of our my payments. My payment was close to the same as what I've received on XX/XX/22 ( {$270.00} ). My husband 's payment was nearly double the about that they gave us on XX/XX/22 ( {$730.00} ). I escalated the call to a supervisor ( XXXX XXXX ) and requested that she pull the call from yesterday. She confirmed that we were given incorrect information but stated that she could not get the payment any lower. No one was able to provide us with any type of documentation on any of this. After being in the phone for over 4 hours today, my husband looks in his email and finds a letter from Maximus ( we just found out today that Maximus ' dba is Aidvantage ). It was the letter confirming the {$360.00} payment plan that no one seemed to have any idea about. So this documentation proves that the plan was processed for that amount. Both of us suffer from severe anxiety. This whole situation has caused us immense amounts of stress which has put our physical and mental health in jeopardy. At this point there is still no resolution because I still have yet to receive documentation of my payments to give to my lender so that out file can go through underwriting. We have been given incorrect information multiple times. We have spent hours on the phone to get simple documentation. This has been egregiously mishandled and no one seems to care that this may jeopardize the purchase of our family home. This is unacceptable and I demand a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
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: First Advantage LNS Inc. (MD)

Complaint:
I recently looked over my consumer credit file. I come to notice that there are several inaccurate accounts that have not been authorized or unverfied by myself THE ORIGINAL CREDITOR and FEDERALLY PROTECTED CONSUMER. these accounts are being placed on my account negatively and reporting to the three credit bureaus without validation or consent.

15 USC 1602 ( 1 ) ( a ) ( b ) ( c ) furnishing MY FEDERALLY PROTECTED information to third party debt collectors. 
FCRA STATES the " I HAVE A RIGHT TO PRIVACY '' 15 USC 1681 ( a ) ( 4 ) These corperations are in a clear violations per the FTC 15 USC 1692a ( UNFAIR PRACTICE ) 15 USC 1692b ( 2 ) ( STATING I OWE THIS ALLEGED DEBT ), 15 USC 1692g ( NO PROOF OF VALIDATION ), 15 USC 1692, 15 USC 1692j ( FURNISHING MY CONSUMER IMFORMATION ), 15 USC 1692d ( HARRASSMENT ), 15 USC 1692e ( 1 ) FASLE AND MISLEADING INFORMATION ), 15 USC 1692e ( 14 ), ( USING A NAME OTHER THAN ORIGINAL DEBTOR invalidated debt.. and 15 USC 1692f ( 1 ) furnishing my Consumer Information without my consent. 


XXXX XXXX, ****XXXX XXXX***, NATIONAL CREDIT AUDITCO**XXXX AND XXXX XXXX XXXX are all third-party debt collectorsI have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo 281 SW 715, 719 ) I presume that no proof alleged debt, therefore any such debt in fact exist. 

THESE INQUIERS ARE UNAUTHORIZED XXXX ( Inquiry from XX/XX/XXXX ) XXXXXXXX XXXX ( Inquiry from XX/XX/XXXX ) XXXX XXXX ( Inquiry from XX/XX/XXXX ) XXXX  ( Inquiry from XX/XX/XXXX ) XXXX XXXX XXXX ( Inquiry from XX/XX/XXXX ) XXXX XXXX ( Inquiry from XX/XX/XXXX ) the charged off account from XXXX Closed amount XXXX Opened XXXX is not verfied and was not authorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (VA)

Complaint:
Attempting to collect XXXX for a cable bill. Documentation provided shows a bill dated XX/XX/18. Owed XXXX which was a previous balance. On XX/XX/XXXX charges of XXXX for equipment charges. On XX/XX/XXXX equipment was returned and an adjustment was made for {$590.00}. Leaving a balance of XXXX. Convergent has continued to validate debt that is not owed and provided proof from all the bills.

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 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (WI)

Complaint:
My credit score went from the low XXXX 's to XXXX for now apparent reason. I tried to call all three agency and got a complete run around they tried to sell me their credit reports and wouldnt tell me why my credit dropped I told XXXX I asked them about the free credit report because of the covid situation. before they agreed to sent me one XXXX and Experian gave me a total run around.

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 2023-01-08
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. (NY)

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX XXXX XXXX XXXX  : # XXXX XXXX  : # XXXX XXXX XXXX XXXX XXXX : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 non-monetary relief
Consumer complaint received 2017-05-02
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. (CO)

Complaint:
My credit report has an incorrect address. The address on the report is   XXXX   XXXX   XXXX   XXXX   XXXX ,   XXXX   XXXX  , NV. Other than when I was in the  XXXX , I have lived in Colorado my entire life. Associated with this   XXXX  . address are bills from   XXXX   XXXX   and   XXXX   XXXX   XXXX   XXXX   XXXX  . Both amounts are less than {$100.00}. Every time I dispute these bills and ask for source documents to prove I owe, the bills are sold to collection agencies. When these receivables are sold as a package, the collection agencies reopen the outstanding debt, and it reappears on my report. I have a substantial credit history with mortgage, car loans and credit cards. I have NEVER been late on ANY amount I owe. There should be some protection against collection companies windmilling these bogus receivables. Thank you for all you do.    XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (TX)

Complaint:
This debt is over seven years old. I have talked to them and asked them to remove it. They informed me that while they could not sue me after two years for the debt, they could report it for as long as they wanted. I went on line and verified that this was untrue. I then pointed this out to them, and they told me that it had been sold to them and that the debt date had started over. Many years ago when I bought this TV from Cons, I bought a warranty that covered physical as well as technical damage. When the TV sustained physical damage, they would not honor the warranty yet wanted me to still pay for the TV. The tricked me many times into making a payment, promising me to have the TV repaired. After I would make the payment I would not hear from them until it was time to make another payment. This went on for sometime, until I got tired of going around in circles. I also found out that I was not the only one dealing with this sort of thing from Cons. There is a blog on line in-regards to customers going through the same thing. If you ask them to let you listen to past conversation, which they claim to have recorded, yet can never remember the promises they made to me, it will backup my complaint. Thank you for any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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: EQUIFAX, INC. (MD)

Complaint:
I received a notice from my attorney in reference to XXXX Lawsuit. I reached out to XXXX in reference to this. I was told that it would be removed off my credit because of the fraudulent activities that XXXX XXXX XXXX has caused. This has been hindering me from moving forward in life and I've been investigating this for a long time now. 
XXXX XX/XX/XXXX {$3400.00} XXXX XX/XX/XXXX {$10000.00} & {$9000.00} XXXX XX/XX/XXXX {$1700.00} XXXX XX/XX/XXXX {$10000.00} XXXX  XX/XX/XXXX {$5200.00} XXXX  XX/XX/XXXX {$6700.00} XXXX XX/XX/XXXX {$2700.00} XXXX XX/XX/XXXX {$4500.00} XXXX XXXX. XXXX, XXXX {$1300.00} XXXX XXXX. XXXX, XXXX {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SECURITY SERVICE FEDERAL CREDIT UNION (CO)

Complaint:
Company repoed the vehicle and is still reporting late payment to the credit bureaus.

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 2020-06-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (CA)

Complaint:
i purchased XXXX XXXX XXXX from dealer in XXXX and was told I had to take a loan and I could pay off within next 30 days. 
When I attempted to pay the loan I was told i could only pay {$2000.00} a month toward loan. I made many attempts online to make full payment but chrysler finance online will not allow it. 
I called and did not get any response. Finally chrysler told me this limitation is to protect fraud. The loan papers i signed did not specify {$2000.00} payment limitation per payment. I have paid off loan last month since it was about {$10000.00} in {$2000.00} increments. I have not paid intrest of {$100.00}. 
Chrysler is now threatening to report me to credit bureau and not release title. Due to covid Chryler does not answer phone and fails to provide contract copy..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
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: Experian Information Solutions Inc. (NC)

Complaint:
Experian re-reported a deleted account from XXXX XXXX XXXX XXXX, however I was not notified within 5 business days of the reinsertion. XXXX   deleted the same account and was never reinserted. It is important to delete the account from my Experian credit file to show accuracy. This inaccuracy ruining my credit file. Pursuant to the FAIR CREDIT REPORTING ACT, PLEASE COMPLETE THE REMOVAL WITHIN 30 DAYS.

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 2016-07-11
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Darnel Quick Recovery, Inc. (GA)

Complaint:
I have asked Darnel Quick Recovery to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

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