hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
I recently the copy of my credit report sent to me by your company and found that you are reporting the below account incorrectly. Under the FCRA, both the credit reporting company and the information provider ( that is, the person, company, or organization that provides information about you to a credit reporting company ) are responsible for correcting inaccurate or incomplete information on all reports they hold in their possession. When I tried disputing via mail, I received a letter from your company that my written dispute was suspicious/frivolous. The FCRA also states that I have the right to dispute information that is not accurate, a right your company is denying me by claiming my letters of dispute are frivolous or suspicious. 
I have been disputing the below accounts for over a year. And within this time your company has been unable to provide me with the necessary information to prove that the below accounts belong to me. All your company ever do is open investigation after investigation with no end result. Finally in XXXX of 2017 the below accounts were removed as they were found to not be mine. 
I have since learned that your company has improperly re-inserted the below accounts on my report. According to FCRA rules, your company can not re-insert derogatory information on a credit report without first notifying me in writing, which it failed to do. The Fair Credit Reporting Act, 15 U.S.C. 1681 ( i ) ( ( ii ), states : Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion of, if authorized by the consumer for that purpose, by any other means available to the agency. 
Your company has never notified me in writing of this re-insertion within 5 days, therefore, pursuant to the Fair Credit Reporting Act, this alleged account needs to be deleted from 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 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (PA)

Complaint:
I tried to correct payment with a credit card company belive it was XXXX. They couldn't retrieve or find an account they keep transferring me to different departments only to be told the same thing. Theirs a charge showing on collections for this charge. This charge keeps hurting my credit when i tried to straighten out. They should pull this charge from my account since they cant locate one never should have been sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-10-09
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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Complaint:
The account is declared Paid on my XX/XX/2018 credit report, but creditor will not provide written verification that the account is resolved.

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 2017-05-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lustig, Glaser & Wilson, P.C. (MA)

Complaint:
I receive d a Summons letter earlier this month from office of Lustig & Glazier sta ted that I failed to appear in court   XX/XX/XXXX  a nd a judgment was made against me in  XXXX  in regards to a  XXXX  credit card from maybe  XXXX . I emailed their offices questioning what the documents was about because I was never notified on the actual hearing date! Even worse it 's  10 year old an d they are chasing me for this! I probably had this type of card but thought the account was charged off or something? Sorry not sure what came of this card, I will own that I could have had a balance but NOT {$3000.00}. This office stated that the amount before this " judgement " against me, {$1800.00} was being basically taxed every month since  XXXX !? Which explains why it sits at {$3000.00}? Anyway I called this office today  XXXX  # and requested a payment plan because I ca n't afford to take time off and or extra court costs. I need to know if this is legitimate? This whole thing has thrown me for a loop because it 's been 10 years and the lustig office wo n't give me anything other than the summons letter to explain why after this long I 'm being charged to pay this drastic amount. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Complaint:
A credit card was opened with Bank of America using my identity on XX/XX/2016, I tried to dispute with the credit company but the bank said the account belonged to me which I never opened.

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 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (AR)

Complaint:
MOHELA claims to be having my loans transfered, but months have gone by, and XXXX says they have received no requests. 
MOHELA has nothing in my account to indicate that I have applied for PSLF more than once. 
I applied for PLSF in XXXX and have followed up for 10 months with few answers. I spoke with XXXX on the advocacy team on XX/XX/22 and was told my application issues would be reviewed. He gave me a number to connect me directly to the advocacy team. When I tried to follow up, it was a non working number. XXXX I applied in XXXX. I spent months calling MOHELA and was finally told this summer that XXXX did not transfer my account, because they failed to verify my current employer of 13 years ( though it was on the application ). Instead of verifying it, they transferred it in XXXX so MOHELA would have to do it, but it still had not been processed at all and never showed on my account. I applied several more times to MOHELA starting in XXXX. There is still absolutely no record that MOHELA has received my application. It just says my loans are in good standing on the MOHELA site. After many, many calls, I spoke with XXXX who said that XXXX had my loans recorded as still being with XXXX XXXX. In reality, XXXX transfered my application to MOHELA and my loans to XXXX. He said they would review the application and get it moving. I never heard another word and can not get in touch with anyone at all. None of their published numbers actually work. They just have 15 minutes of recordings and then hang up on you. I'm ten months into my application and can not get any help or answers, and I'm being given false contact information. 
I call every week and no progress is made toward moving my loans. There is no way to monitor the pending application. My account has been blank for months. They have not even acknowledged the applications they say they have received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Complaint:
I have contacted Transunion to discuss these unauthorized hard inquires, listed below. 

XXXX - Inquiry date : XX/XX/2021 XXXX XXXX - Inquiry date : XX/XX/2021 XXXX OF XXXX - Inquiry date : XX/XX/2021 XXXX XXXXXXXX - XX/XX/2021 XXXX XXXX  - Inquiry date : XX/XX/2021 XXXX - Inquiry date : XX/XX/2021 XXXX XXXX  - Inquiry date : XX/XX/2021 XXXX XXXX XXXX - Inquiry date : XX/XX/2021 XXXX - XXXX date : XX/XX/2021 2021

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 2023-03-08
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: EQUIFAX, INC. (SC)

Complaint:
I have contact and disputed with all credit Bureau in regards to collection debt under {$500.00} that still have been removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
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. (NY)

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$69000.00}, XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$57000.00}. 
Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

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 2019-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (CA)

Complaint:
Called I.C. System to pinpoint what exactly was owed to XXXX XXXX because the account was paid off. XXXX XXXX received all their equipment and the account was cancelled on XX/XX/2018. I asked what the debt was for, I.C. Systems couldnt tell me what the debt was for. I also let them know we received no bills, so why would it go straight to a collection agency. Again no substantial answer. I thought perhaps there was fraud going on, so I called XX/XX/XXXX and the collections department assured me that we owed nothing and the account was closed. The young man said to go straight to the FTC and report it, it sounds bogus since I.C. System couldnt give any answers.

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 2018-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
This is the second time in as many weeks that I can NOT get access to my credit report, I haven't done anything wrong but to try to access my credit report - FILE NUMBER - XXXX, I need access to my credit report so I can continue to monitor 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 explanation
Consumer complaint received 2023-08-12
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Army and Air Force Exchange Service (MO)

Complaint:
I received an email notification on XXXX XXXX suspending my account and falsely threatended to contact commanding officer to pressure to pay debt. This a unfair and deceptive act that violates federal consumer financial laws.

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 2021-02-05
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. (NY)

Complaint:
Navient has incorrectly reported three ( 3 ) 90-day late payments on my credit report during a federally mandated suspension of all student loan repayments. When I contacted them to correct this error in their reporting, they refused to correct it. 

According to Section 3513 ( d ) of the CARES Act ( Public Law 116-136 ), federal student loan repayment suspensions were supposed to be reported to consumer reporting agencies positively ( i.e., as if the borrower has been making regular payments. In relevant part subsection ( d ) reads : During the period in which the Secretary suspends payments on a loan under subsection ( a ), the Secretary shall ensure that, for the purpose of reporting information about the loan to a consumer reporting agency, any payment that has been suspended is treated as if it were a regularly scheduled payment made by a borrower.

CARES Act suspension of federal student loan repayment was extended until XX/XX/2021. 

Navient has completely disregarded federal law and has ruined my credit. Given that they have made this fatal error in their reporting, I am respectfully requesting that this error be corrected and Navient reflect the appropriate positive payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Complaint:
There was an account opened on XX/XX/2019 with XXXX XXXX XXXX XXXX with a balance of {$16000.00}. I made payments on this account while trying to get it disputed. As well on XX/XX/2019 another account was opened with XXXX XXXX XXXX XXXX with a Balance of {$20000.00}. I made payments on this account while trying to get it disputed. This is a fraudulent account results of Identity theft. I was told from the company that these accounts were registered in XXXX, Georgia and I reside in XXXX Michigan.

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 2021-01-20
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: State Collection Service, Inc. (IL)

Complaint:
This following scam information was sent to me by text ( XXXX ) XXXX again on my phone in this order and reported previously to FTC : PLEASE REVIEW THE BELOW FOR INSTRUCTIONS TO ACCESS YOUR SECURE COMMUNICATION, XXXX : XXXX? XXXX. REPLY STOP TO END************************************** This private message is from State Collection Service , Inc. ( " SCSI '' ) a debt collector. Please review the contents of this message and any attachment ( s ) in private so that other people may not view it. The attached message is encrypted. To open your encrypted message : 1 ) Double click on the secure PDF attachment. 2 ) When prompted for a password, please enter your current 5-digit zip code to open your encrypted message. 
This is a post-only communication from SCSI. Please only respond to this communication with " STOP '' if you do not wish to receive communication via text message from SCSI in the future. If you have questions or concerns regarding this communication or if you experience trouble opening the attached document, please call ( XXXX XXXX XXXX. This is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector. Sincerely, State Collection Service , Inc . 

I do not know who this scam company is. I do not have a bill with them. I have received this message 3 times before and sent them a text message to stop sending me texts and they refused. I blocked this number in the past and they got back in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (GA)

Complaint:
In late XX/XX/2022, I made a request for a refund of payments made during the XXXX forbearance under the Cares act through Nelnet. 

I requested an amount under but close to {$10000.00}. 

I made the request via phone call however I never received any documentation of when my request was processed or received and I have no documentation of the final amount to be refunded to me. 

I received an email from Nelnet on XX/XX/2022. This was a general email letting me know that the request was processing. 

I called them on XX/XX/XXXX to find out if they had any updates. They could only tell me that the request looked good and it was still processing. 

It has been more than 4 months as of writing this and I have no clue whether when this processing phase will end.

Company response to consumer: Closed with explanation