hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-05-01
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. (VA)

Complaint:
The following company never proved their methods of verification through several stages of written credit disputes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX this company then illegally sold my information to another credit company in the process of these letters being sent ) XXXX XXXX XXXX  BANK -Attorney General-Child support -Dept of Ed/XXXX  XXXX Options XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank Of Missouri Ret The letters that were sent out are as follows : dispute letter XXXX XXXX mailed on XX/XX/XXXX and received on XX/XX/XXXX XXXX letter XXXX XXXX no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter XXXX -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # XXXX mailed XX/XX/XXXX after 30 days of no response or correction to the credit reports.

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 2023-08-03
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. (AR)

Complaint:
I contacted Equifax stating that the law on medical debt has changed. XXXX XXXX XXXX has a medical bill in the amount of {$480.00} on my credit report. From my understanding, medical debt that is under {$500.00} is supposed to be removed from my credit report as of XX/XX/2023. This did not occur. I sent a letter to Equifax and I did not hear back. I sent a letter to the company and they completely ignored my request to remove the medical debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
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. (GA)

Complaint:
In accordance with the Fair Credit Act XXXX XXXX  account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, I XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20
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. (AL)

Complaint:
I have disputed these 7 DEPTEDXXXX accounts on XX/XX/XXXX and XX/XX/XXXX to each of the bureaus, they all are reporting different account statuses, opening date, months of terms, payment status, last reported date, and last date active for each of the accounts. I have called as well ands still have not had my issue 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 2020-03-24
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: Illinois Collection Service, Inc. (AR)

Complaint:
I recently filed a an identity theft report after realizing my identity had been compromised and submitted it to all three credit bureaus ( XXXX, XXXX, an XXXX. I have also reached out to collection agencies who have   appeared to have ownership of the debt. For some reason this account is still displaying on my credit file and it should not be due to it being established through fraud or identity theft. It seems both the bureaus and collection agencies are violating the Fair Credit Reporting Act and the Fair Debt Collection Practice Act. The accounts in question are XXXX XXXX  Acct XXX Bal {$400.00}, ICS # XXXX Bal {$130.00}, XXXX XXXX # XXXX Bal {$440.00}, and XXXX Bal {$150.00}. These accounts are all associated with identity fraud I have submitted supporting documentation for the 2nd time to the three major consumer reporting agencies to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CA)

Complaint:
It had been reported to all three credit bureaus that I have been late 60 days on the account. I have never been late nor have I been issued a late fee for being late. I contacted customer service for XXXX XXXX   and they confirmed all my payments by date and no late fees where issued on any of my statements, but still it has been reported as late on all credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-04
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: Nelnet, Inc. (PA)

Complaint:
I was a victim of identity theft. Upon realizing that this had happened after pulling my credit report for the first time a couple years ago, I realized that there were items on my report that I had no idea what they were. I immediately searched for the name of the companies and guidance on how to resolve this matter. I was directed to the FTC to file a report that would remove these accounts from my credit report ( s ). The report would also serve as my " police report '' hence the accounts are out of the limitation to be handled by the local authorities ( per the pd ). One of the accounts was changed quite a few times. Two of the three reporting agencies updated my report very quickly, removing all of the items that were on my FTC report. XXXX was the easiest and most helpful. XXXX  has been accessible but some of the items took a while to remove. The 3rd ( that this complaint is about ) is XXXX. They keep checking my disputes ( which take fairly long ) and come back saying that they are mine. I called them so many times to explain that the other reporting agencies have deleted them and to check my FTC claim. When I further explain that the company went from one company name to another, they don't understand why I am upset because they removed the old accounts under the old name, but left the same accounts with the newer name. When i call to further explain or complain, they ask me a series of questions that are for my protection as they claim ... .the problem is, and I tell them this, the questions they ask are about accounts on my credit file that DO NOT BELONG TO ME, therefore i can not answer them. I give them all information about accounts that are mine and still cant get any headway with them. I don't understand how 2 out of the 3 are updated to reflect my actual accounts, but this company can not get on the same page. I have been dealing with this for a couple years now and it is really hindering my score & affecting my ability to do anything that pulls from XXXX. When i call them, they are like robots ... they do not listen or try to help when i say things like i don't own the accounts that you are asking me about so i can not answer them. If they delete the original accounts, why do they keep the same accounts that just changed names or hand offs?? I am also including the information that i sent to the companies reporting info to the credit bureau 's. I am being penalized and harassed by collectors for things that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
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. (TX)

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.

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 agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
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: EQUIFAX, INC. (SC)

Complaint:
I have been disputing these fraudently inquiries items on my Equifax report they did not remove them i have contacted the creditors also. 

XX/XX/XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVICES- EQUIFAX MORTGAGE SERVICES - , 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX- EQUIFAX MORTGAGE SERVICES - 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (GA)

Complaint:
Nelnet reported me delinquent in XXXX and XX/XX/XXXX. They claimed to have sent me emails and mail concerning payments that were due but I never recieved them. I have not changed my address or email address as they try to say I have. I have had my gmail account dating back past XXXX. When I spoke with Nelnet they said my payments weren't due for 6 months or unless I was reenrolled into school. When I spoke with them over the phone they have no explanation for why this was not the case and claim they do not have a record of me contacting them. I have been told by Nelnet that I had no payments due, that my account was up to date, and I would have no payments due. This was inaccurate information as they have put me as delinquent for those two months and have significantly lowered my credit for it. I have never made a payment to Nelnet because I have been finishing my degree and have always been up to date with my loans since I have had them as my loan servicer since XXXX. The company claims that even though they gave the wrong information they won't change their reporting and I would have to prove I was in a " coma/dying in a hospital or active military '' during the time they claimed I was delinquent. I was enrolled in school Fall XXXX and Summer XXXX and was told my payments weren't due until XX/XX/XXXX unless I was enrolled in school which I was by XX/XX/XXXX at the University of XXXX XXXX  which was before my first payment was due. This delinquency is inaccurate and they refuse to take accountability for their mistake and remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (TN)

Complaint:
I contacted Discover back in XX/XX/2020 and froze my account. I contacted them again at the beginning on XX/XX/2020 to report my card as lost or stolen. I then contacted them in mid XXXX because XXXX and XXXX XXXX charges were being billed to my account that I did not authorize. Discover told me that they could not stop recurring charges even if I did not authorize them and told me to contact the merchants. I contacted the merchants in XX/XX/2020 and they told me that they would not stop the charges since I was not on the account, even though it was my credit card being used. I contacted Discover back and they told me to dispute the charges. Discover then found in favor of XXXX XXXX XXXX. I do not have an account with XXXX XXXX XXXX, I do not have a storage unit with XXXX XXXX XXXX. Before XXXX, I did let a XXXX XXXX use my card to pay for a few things, but did not authorize him to use it after XXXX. Neither Discover or XXXX XXXX did anything to help me stop the charges even though I begged them and explained the situation multiple times. In fact, I have not even activated my new card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

Complaint:
Navient purchased my loan from Sallie Mae several years ago. During that time, they delayed, through forbearance, my payments which ultimately came due in early XX/XX/2017. I've made payments since then, but at times, have struggled to make the full monthly payment. I've called Navient to ask for additional forbearance, or to reduce my monthly payments temporarily, but have been told no every time. I've called at least 5 times to speak to different account advisers. I am willing to make payments, but can't pay the full balance due each month, and because of the initial forbearance and interest charged, I'm paying each month only the interest balance and the loan balance is staying neutral and exists to this day. The initial balance borrowed was ~ {$13000.00}, and is now over {$18000.00}. I don't know how I'm expected to pay off this loan when Navient continues to charge interest and refuses to help by lowering my monthly payment or allow me additional forbearance time to gain better financial standing. In addition to Navient I have over $ XXXX  in student loan debt, but the other providers ( XXXX ) have been willing to work with me - Navient has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (PA)

Complaint:
On XX/XX/XXXX I sent a XXXX to XXXX challenging a collection account from XXXX that did not belong to me. It was then deleted from my credit report. XX/XX/XXXX I noticed the collection came back with a different name. The name is XXXX. XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TIDEWATER FINANCE COMPANY, INC. (CA)

Complaint:
Tidewater Finance has egregiously damaged my credit by failing to, despite twice telling me otherwise, fix their computer glitch showing a missed payment. To make things worse after I paid off the account in full, I received a bill for additional money. 
They admit on the phone they are in error, but can not or will not fix my account, report to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Group, Inc. (GA) (GA)

Complaint:
DearRECEIVABLEMGMTGROUPAfterviewingacopyofmycreditreport,InoticedacollectionaccountplacedonmycreditreportfromyouinXX/XX/2017.Iamrequestingthatyouallowmetovalidatetheallegeddebt.IamunawareofanyoutstandingmedicalbillsthatIpossess,andIamseekingthenameandhospital/medicalprovidertowhichIowethedebtandadetailedbreakdownofthefeesthatIowe.

Additionally,IamallowedundertheHealthInsurancePortabilityandAccountabilityAct(HIPAA)toprotectmyprivacyandmedicalrecordsfromthirdparties.Ididnotgivepermissiontoanyofmycurrentorpriormedicalproviderstoreleaseanyofmymedicalinformationtoathirdparty.IamawarethattheHIPAAdoesallowsthereleaseoflimitedinformationaboutmebutanythingmoreistoonlyberevealedwiththepatientsauthorization.Therefore,myrequestistwofoldvalidationofdebtandHIPAAauthorization.

Pleaseprovidebreakdownoffeesincludinganycollectioncostsandmedicalcharges.
Provideacopyofmysignaturewiththeproviderofservicetoreleasemymedicalinformationtoyou.
Ceaseanycreditbureaureportinguntilthedebthasbeenvalidatedbyme.

Pleasesendthisinformationtomyaddresslistedaboveandacceptthisletter,sentcertifiedmail,asmyformaldebtvalidationrequest,whichIamallowedundertheFDCPA.PleasenotethatwithholdingtheinformationyoureceivedfromanymedicalproviderinanattempttobeHIPAAcompliantcanbeaviolationoftheFDCPAbecauseyouwillbedeceivingmeaftermywrittenrequest.Irequestfulldocumentationofwhatyoureceivedfromtheproviderofserviceinconnectionwiththisallegeddebt.

Additionally,anyreportingofthisdebttothecreditbureauspriortoallowingmetovalidateitisaviolationoftheFairCreditReportingAct,whichcanallowmetoseekdamagesfromacollectionagency.Iwillawaityourreplywithaboverequestedproof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
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. (OK)

Complaint:
Checked my credit report monitoring service and there are 3 accounts with money owed that are not mine. It says XXXX XXXX / XXXX XXXX / and XXXX. I am asking cfpb to see who is the person to contact to remove this item off of my report. I also see if follows under the provisions of 15 USC section 168i of the Fair Credit Reporting Act of 1970. Please delete and remove this items off of my report record.

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 2023-07-25
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: JPMORGAN CHASE & CO. (NY)

Complaint:
JPMCB CARD SERVICES is showing as a charge off on my credit report of {$3100.00}. I was contacted once and advised the company that I never opened this account. It was possibly my ex-husbands account ( we had separate accounts many years ) or my daughter, who is deceased ( possibly opened without my knowledge? ) .Or a complete stranger. I asked the representative at the time to send me proof of my charges and signatures. I never received to and was advised that after I filled out a form for fraud it would be removed. I am in a Idre financial situation at XXXX on a limited income and am suffering from XXXX XXXX. I tried to refinance a loan and to my surprise this JPMCB appeared as a charge off. It has caused me any option to refinance due to this error that I assumed was fixed many years back. I have no knowledge who paid this account, I never provided financial information to JPCMCB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Complaint:
Information on my credit report was not validated in time in 45 days & multiple disputes letters sent over 6 months. information in inaccurate on my credit report. Fair reporting Act was violated.

Company response to consumer: Closed with explanation