hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-08-17
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: AFNI INC. (NC)

Complaint:
Early XX/XX/XXXX - I received a letter from a Collection Agency, XXXX claiming that I owed XXXX XXXX {$4500.00}. 

XX/XX/XXXX - I sent a certified letter to XXXX disputing the debt. I asked to see a signed contract and proof that the debt belonged to me. 
XX/XX/XXXX - My certified letter was received by XXXX. 

As of this complaint, I never received verification of the debt from XXXX or XXXX XXXX. 

XX/XX/XXXX - The debt was reported to all three credit bureaus as a collection. 

XX/XX/XXXX - I received a letter from XXXX XXXX XXXX XXXX XXXX Collection Agency. I disputed the debt with them and asked that they provide me with proof of debt. The XXXX stated that I needed to collect that from XXXX directly and they did not place the information on my reports. 

XX/XX/XXXX - I contacted XXXX XXXX to dispute the debt. The agent could not/would not provide me with a copy of the contract or any documentation to verify that the debt belongs to me. Instead, he directed me to contact the store where the transaction took place and wanted me to ask for security footage of who opened the account. 

XX/XX/XXXX - I contacted the XXXX store and asked the Representative to forward me a copy of the security camera footage to verify that it was not me. 
As of this complaint, I have never received any proof that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (GA)

Complaint:
I received a letter on XX/XX/XXXX from Waypoint Resource Group ( Acct # XXXX ) stating that i owed {$160.00} for a XXXX account. I immediately reached out to Waypoint and after dealing with a couple of rude representatives, i got in touch with a supervisor named XXXX XXXX. I explained that i had contacted XXXX and they were investigating. Prior to contacting Waypoint, I got in touch with XXXX executive offices and spoke to XXXX ( Elite Customer Experience Mgr. - XXXX Complaint # XXXX ). Ms. XXXX looked into this and came to the conclusion that this was filed in ERROR and that they ( XXXX ) had already sent notification as of XX/XX/XXXX to Waypoint to remove. In my conversation with XXXX ( Waypoint ) i agreed to contact him before XX/XX/XXXX to either pay or verify that this debt was invalid. I have called MrXXXX XXXX 8 times between XX/XX/XXXX and XX/XX/XXXX. The reps keep telling me he will call me back but as of XX/XX/XXXX no contact. This is showing negative on my credit report and they wont contact me or try to fix this, even though XXXX has told them that it was filed in error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
Credit report shows an incorrect balance of approx. {$19000.00} on my XXXX XXXX XXXX XXXX Visa, when it has actually been approx {$13000.00} for several months.

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 2019-07-07
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OK)

Complaint:
I was previously employed with XXXX from XXXX, and after my separation from the company I decided to pay some credit cards off, with my XXXX credit card being one. I paid it off on XX/XX/19 to help my credit score, and eliminate a monthly payment. Today, XX/XX/19, I was looking over my accounts as I do regularly, and I noticed that my XXXX account showed a {$0.00} balance, but there was no available credit, so I called the number on the back of my card. I spoke with a representative, and they said my account was closed because of my credit report. One, I didnt request a limit increase, so why were they running my credit without my consent? Two, I made all of my payments on time, so I wasnt a bad or irresponsible customer. Three, my credit score increased due to paying off the cards that I did. I need a good explanation as to why they shut my account down, hurting my credit score, because from where I sit I feel I am being retaliated against for separating from the company.

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 2022-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
I have some hard inquiries in both transunion and XXXX that are not mine, both companies refuse to delete them. I have contacted them several times by phone and certified mails and they just ignore 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
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Complaint:
I have made several attempts to dispute inaccurate information, as permitted under FCRA ( sect 611 ) regarding XXXX XXXX # XXXX with this CRA, Equifax, because the information reported on my credit file is inaccurate. Equifax has responded on a number of occasions that " we have verified that this item has been reported correctly ''. 

I have repeatedly demonstrated to the CRA that the information is not only inaccurate, but inconsistent. For example, Equifax is reporting a date of first delinquency before the " assigned date ''. It is reporting this delinquency for an entity ( XXXX XXXX ) whom I have never had a contractual relationship with that would create such a delinquency. 

Under FCRA, section 611, in previous disputes, I asked Equifax to provide verification, update or remove the account. Equifax has stated that what is inaccurate - is accurate which is a violation. Specifically, they are reporting that I have a date of first delinquency of XX/XX/2019 with XXXX XXXX even though I have never had a relationship with them. 

I have repeatedly asked Equifax to delete this item from my credit file on the grounds that there is unverifiable information, and this action is required by Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
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. (CO)

Complaint:
XXXX is reporting incorrectly to XXXX and Transunion a collection in the amount of {$2700.00} on the XXXX XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) This account does not belong to me and should not be reporting on my credit report. This account belongs to my son. I have contacted XXXX and the representative that I spoke with assured me they would remove this account, however the account continues to be reported on my credit report. This incorrect reporting is harming my credit score and this line item needs to be removed. I have contacted the ( 2 ) bureaus to fix this, however I have been unsuccessful.

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 2023-06-13
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. (FL)

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

Complaint:
I sent SEVERAL letters to EXPERIAN starting from the months of XX/XX/23, XX/XX/23, and XX/XX/23 disputing said account XXXX XXXX to be removed from my account. However each dispute comes back as " REMAINS '' but according to Usc 1581a section ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they investigate besides the CREDITOR?

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 2016-04-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (TX)

Complaint:
My Fed Loan Servicing as consistently mishandled my student loans since taking over my student loan process. In the last year I have had the following issues with the service provider. I believe that this service provider lacks accountability and oversight. The representatives do not take ownership for the lack of follow through and do not know the student loan process well. 

1. ( Current Issue ) I submitted a REPAYE request online and selected a one month forbearance during the time that my loan is being processed. I am currently making payments towards the Public Service Forgiveness program and will like to make continuous payments in order to avoid extending my payment length further. It has been over a month and my application has not been processed. I have made my {$5.00} payment and have received notice that my next month 's bill will be over {$1100.00} which I can not afford because the service provider has not processed my loan. 
2. For almost a year the # of qualifying payments for my Direct Sub/UnSub Loans have had different amounts of qualifying payments for public service forgiveness. I asked the servicer to reconcile these numbers because the loans were consolidated at the same time. The request had to be submitted multiple times. Finally the # was reconciled and it was reconciled to the lowest # of payments. Also, the servicer sent me another person 's loan information in the process which disclosed their personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Complaint:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. ( XXXXXXXX XXXXXXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: 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. (ME)

Complaint:
I never opened this account. It was opened by somebody without my knowledge or consent. I work as a XXXX in the XXXX XXXX, and I learned about the fraud from a problem with my security clearance. Please remove and correct my history. This is a fraud account that does not belong to me. I am in jeopardy of losing my job and security clearance over this error in reporting. The account listed against me is : XXXX XXXX account number xxxxxxxx XXXX Date opened XX/XX/2015 This was not my account ever. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (NJ)

Complaint:
I paid XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
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. (SC)

Complaint:
The following debts were sold to a collection agencies, two specifically yet still report bad debt with original creditor. All debts were paid and settled with collection agencies. 
XXXX XXXX Company-acct no. XXXX XXXX- acct no. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Digital-paid in full XXXXacct no. 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 2022-09-08
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (PA)

Complaint:
On XX/XX/XXXX, I received an alert regarding a decrease in my credit score reported by XXXX. I checked with XXXX, and a debt collector called EOS CCA reported that I owe {$2700.00}, with an original balance of {$2000.00}. XXXX also reports that the payment status is " seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. '' The account with EOS CCA was opened on XX/XX/XXXX according to XXXX and the original creditor was XXXX XXXX Bank. I did take out a XXXX XXXX student loan in XX/XX/XXXX, but was never notified in any capacity that this loan had been transferred to EOS CCA by any involved parties. The co-signer of the XXXX XXXX student loan was also never contacted. XXXX XXXX 's website also does not report anywhere that this debt had been transferred to EOS CCA, with the last financial disclosure document available for me to download on their website being from XXXX. 

I had absolutely zero knowledge that this debt was owed until XX/XX/XXXX despite the account supposedly being opened on XX/XX/XXXX. I STILL have not received written, electronic, or phone communication regarding this debt. The only reason I found out about it was because my credit score dropped and the bank that issued my credit card alerted me to it. 

The actions taken by EOS CCA have drastically harmed my credit score when I am trying to improve it in preparation to take out a vehicle loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (DE)

Complaint:
Cashnet USA account was opened in my name back in XX/XX/2017 and was not opened by me. There is identity theft going on and Cashnet USA needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (AZ)

Complaint:
GM Finanacial put a 30 day late on my credit report for XXXX of XXXX The company I work for pays the payment and they have stated that the payment was made at the same time every month as normal however the mail delviered it late or GM Financial processed late. 

In addition, GM Financial did not have the correct phone number on my account and I had called in two separate times to make this update and they did not update even after they had already reported this late payment I had an XXXX  score prior to this. I have never made a late payment in my life. 

Please take a look at this and help me. GM Financial is so difficult to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
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. ()

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 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 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 explanation
Consumer complaint received 2021-01-19
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. (TX)

Complaint:
XXXX XXXX XXXX XXXX, TX XXXX not my address XXXX XXXX XXXX XXXX, TX 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 XXXX XXXX XXXX Chapter XXXX bankruptcy dismissed Date Filed XX/XX/XXXX Date Resolvedshow tooltip XX/XX/XXXX Responsibility Joint Reference Number XXXX Reinvestigation Information This item was updated from our processing of your dispute in XX/XX/XXXX. 

On Record Until XX/XX/XXXX not names or addresses see attachments

Company response to consumer: Closed with explanation
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: EQUIFAX, INC. (MS)

Complaint:
I had an excellent credit rating XXXX XXXX XXXX... XXXX ( I have been desperately trying to get to XXXX but unfortunately have only gotten to XXXX. ) My personal and financial information is very important to me and not taken lightly. I have taken great pride in establishing and maintaining my high credit score and have NEVER been late on a mortgage payment, installment loan or credit card payment. So I don't need to emphasize how angry I was when I was informed that I was denied by 3 loan companies for my XXXX loan for absolutely ridiculous reasons ... *Lack of recent installment loan information .. *Too few accounts currently paid as agreed .. *No recent revolving balances .. *Length of time accounts have been established XXXX.*Lack of recent auto loan information. 

I opened my first checking account and my first credit card account ( XXXX ) when I was XXXX. I have had 5 mortgages, approximately 10 car loans, at least 10 installment loans for various items ( snowmobiles, jet skis, XXXX golf cart, storage building, etc. ) and close to 50 different credit cards for department stores. So at XXXX XXXX XXXX, that denial for my loan was absolutely absurd... especially with {$25000.00} down. 

I have contacted all 3 major credit bureaus, the 3 loan companies and also CFPB disputing the erroneous error that has occurred on my credit report. I told them the reason I believed this discrepancy has transpired and it was like talking to a wall! I was on the phone with XXXX and XXXX yesterday for XXXX XXXX  ... transferred XXXX XXXX XXXX. requested to speak to a supervisor ( who wouldn't even give me her name ) and was told by another XXXX representative that I should contact ALL the accounts that I have had in the past and have them document again my credit history. Is that about the most lunatic idea imaginable... especially since a lot of companies are no longer in business or outdated records. 

I legally changed my FIRST name 2 years ago ( XXXX ) ... which was my LAST name for XXXX XXXX XXXX  XXXX ). I also remarried in XXXX and changed my last name. My question is ... why the credit bureaus can't just simply change my name on my credit reports to my legal name. The Social Security Administration didn't have an issue with changing the name on my social security card nor did the Driver 's License Bureau with issuing me a new license and voters registration card with my legal name. 

Due to the XXXX XXXX XXXX XXXX XXXX XXXX. with very little work getting accomplished ( which I might add ) ... some companies have gotten too laxed and slipshod in managing their employees productivity ... and oblivious to the process that is required to provide efficient and effective work ethics.

Company response to consumer: Closed with explanation