hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2019-07-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Complaint:
I have sent three requests to Porfolio Recovery asking them to provide me with the documentation required by law for this company to leave this information on my credit profiles. Porfolio Recovery has refused to respond. I am also sending a formal complaint to the Virginia state attorney general and to the FTC. I was told to try this before being forced to file suit seeking the maximum monetary award allowed under the law as this derogatory entry is stopping me from purchasing a home. I also plan to sue for fraud as this company has opened an account under my name without my permission.

****************************************************************************************** I am demanding the following as required by law : * Documents bearing my signature ( Fair Credi

t Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. ) * Documentation used to verify this debt * Any documentation that shows Verifiable Proof that this judgement is mine. *Documents that show this alleged debt is not past its SOL *Proof that you are legally allowed to collect on this debt.
****************************************************************************************** If Portfolio Recovery can not provide me with the proof required I would like a letter stating that these items are being deleted from all of my credit of reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (PA)

Complaint:
XXXX, XXXX, XXXX of XXXX is missing payment information and XX/XX/XXXX 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
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. (UT)

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-03-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (KY)

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2016-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Central Holdings, LLC (SC)

Complaint:
The creditor never states the company or who they are. The message simply gives a name of the person and how they need a phone call back today regarding a very important business matter. They called 3 times within 1 hour, twice on my cell and once to my work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

Complaint:
Ive called to Experian and requested to have old addresses removed from my report. According to the Fair credit reporting act I have the ability to dispute these erroneous mistakes of addresses that are causing these negative items that do not belong to me to report on my credit. This is causing me great harm and stopping me from getting my home. I want these addresses removed ASAP.

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 2022-08-16
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. (PA)

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in my file listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$35000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (FL)

Complaint:
Navy federal credit union has two of my closes accounts. Credit card and closed car loan amount. My phone number is blocked in there system and determined i am NOT allowed to dicuss settling these accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MI)

Complaint:
I have American Express platinum card and have XXXX points in my Membership Rewards account. But there is a problem with my account, when I try to transfer my XXXX points to Delta or XXXX, the system always shows an error : '' This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' And also I want to try to redeem for gifts card, the error message still show up. I call American Express, the first time they said need to wait 6-8 weeks to fix, but after 6-8 weeks, the problems still not fix, and I call the second time, the agent said write down the notes and sent to the department. I waited few days, but no call from American Express, and I called the third time, the agent said write down the notes and sent to department, and let me wait 3-5 Business days, but I still not received any call. 

And I have a delta skymiles card, I spend XXXX dollars to meet the welcome offers which is 10000 MQMs and 4000 miles. After the first statement, I didn't received any welcome offers to my delta account, I called American Express and the agent said 3 weeks will be post to my account. After 3 weeks, the welcome offers still not post to my account.I wait for the next statement day, there still no welcome offers post to my account. I called again yesterday and the agent said there is a some problems can not post to my account and sent to department and said will call back to me 3-5 Business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
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: Reliable Credit Association, Inc. (OR)

Complaint:
I have asked several times for this account to be taken off of my credit report per it is not my account. I have not gotten any documentation to prove this is my account or anything. I've been going through this now for about a year or so now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA (AL)

Complaint:
I am a victim of predatory lending by XXXX XXXX XXXX currently oweing {$40000.00} in student loan debt. I informed the U.S. Department of LaborXXXX XXXX XXXX defense form case # XXXX regarding this and nothing was done to resolve the matter. XXXX XXXX XXXX did not properly educate me. Often times the class was lead by instructors who themselves did not hold degrees and knew little knowledge of how to instruct a classroom. XXXX XXXX XXXX never explained the loan process, how and what my loans would be applied to. XXXX XXXX XXXX capitalized and took advantage of me knowing that I wanted to be properly educated and earn the quoted salary of {$90000.00} that each of the teachers kept stating that I would earn after completing my two year degree in XXXX XXXXXXXX XXXX. XXXX XXXX XXXX also stated that they would have an internship for me upon graduation but that never happened. The teachers also said they had connections with the local banks partially XXXX XXXX and they would be able to place students upon completion of the degree. All this was a factor in me deciding to attend XXXX XXXX XXXX. I am just now complaining because I did not realize I could back then. I attended school at XXXX XXXX XXXX from XXXX XXXX XXXX. Predatory lending imposes unfair, fraudulent, deceptive, or abusive loan terms on a borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WA)

Complaint:
The payment history is incorrectly showing on my credit report. I am showing 120 day delinquencies immediately proceeding an on time payment. This payment history is showing incorrectly on my credit report. It does not make sense to go from XX/XX/XXXX with no negative payment history and the reporting of an on time payment to the following month of XX/XX/XXXX showing 120 days past due and the following months XX/XX/XXXX and XX/XX/XXXX reporting 120 days past due as well. I have repeatedly reached out to the credit bureaus ; Equifax, XXXX and XXXX regarding this matter through several letters and included a copy of my photo ID and proof of mailing address to confirm my identity on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have uploaded copies of every single XXXX of these dispute letters. I received no response from Equifax, XXXX or XXXX from any of my submitted disputes. I attempted on numerous occasions to resolve the issue and am being ignored by the Equifax, XXXX and XXXX. From my understanding it is my right in accordance with the Fair Credit Reporting Act, to be notified of investigation results, for account on my credit report to be updated with the status of " in dispute '' as well as for all the information on my credit report to be accurate and verified/proven. This is not the case. Due to the several blatant violations of my rights as a consumer when it comes not only to credit reporting compliance, but also investigation compliance, I am requesting the payment history for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX be corrected and updated to current with no record of delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
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. (TX)

Complaint:
During the month of XXXX I initiated a dispute with Equifax in regard to the erroneous medical debt that has been placed on my credit file by specialized collection systems. Equifax is THE ONLY credit bureauout of all three that has allowed this erroneous collection to report to my credit file. Equifax has recently stated that they verified this alleged debt with XXXX XXXX XXXX, XXXX. This can not be true because this debt is invalid. 

In pursuant to the FCRA section609 ( A0 ( B ) ( C ) I would like the name, email address, the address and telephone number of the person who verified XXXX XXXX XXXX XXXX. I am also requesting verification of the dates, original payee information, amounts of any and all payments that led to this alleged balance being placed on my Equifax consumer file. All information in pursuantto the FCRA section 609 should be mailed to XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Complaint:
XXXX XXXX XXXX is reporting inconsistent and inaccurate information on my credit reports which is greatly affecting my credit score and is in violation {$1000.00} per violation with the FCRA. Ive disputed this account before and yet this account continues to report the inaccurate information. For example it reports the Date Of Last Activity for experian is XX/XX/XXXX while for XXXX  reports XXXX/XXXX/XXXX. This is a violation of the FCRA by this account has be ILLEGALLY re aged the account showed closed back in XXXX and thats supposed to be the last active date. This account also shows that its closed but yet with XXXX  also shows late 120 days. This is another violation by an account that is close ended can not be late unlike open ended credit card accounts per the FCRA. Ive disputed this account before with experian back in XXXX of XXXX but yet on the report it did not update the date reported which shows XX/XX/XXXX which is a violation of the FCRA by its suppose to update the account status each time its disputed. Experian shows the last payment was XX/XX/XXXX and XXXX  shows XX/XX/XXXX. If all the credit bureaus are getting their information from the same company how is it that theyre reporting different information. XXXX  as well has inaccurate and inconsistent information which will be attached

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 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Complaint:
ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA XXXX Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.

According to 15 USC 168i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 USC 1681s-2 ( A ) ( 1 ) ( E ) ( ii ) ( ii ) Banking agencies ( I ) In general If a financial institution is supervised by a Federal banking agency, the financial institution shall seek written approval concerning the terms and conditions of the loan rehabilitation program described in clause ( i ) from the appropriate Federal banking agency. 

( II ) Feedback An appropriate Federal banking agency shall provide feedback to a financial institution within 120 days of a request for approval under subclause ( I ).

Company response to consumer: In progress
Consumer complaint received 2017-12-28
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: WELLS FARGO & COMPANY (CA)

Complaint:
To Whom It May Concern/ ( CEO ) Wells Fargo Card Services I am writing this complaint because you did not promptly deleted the info that I had disputed due to identity theft.

You failed to comply with law that you are required under Fair Credit Reporting Act ( FCRA ).

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of alleged identity theft. 


Wells Fargo Card Services Account : XXXX Reason : Identity Theft This account has been previously been disputed and you did not deleted required under FCRA. 


You are inaccurately and incompletely furnishing information regarding the above-referenced account to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which you are responsible.

THIS LETTER serves as the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above.

Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act ( hereinafter referred to as FCRA ), Civil liability for willful noncompliance. Your company may be liable for : - Any actual damages I sustain due to your failure to delete this item ; - Cost of court action in order to have the item deleted ; - Punitive damages as the court may allow ; XXXX XXXX XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. I would prefer not to use the courts to resolve this matter.

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 2022-05-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (CO)

Complaint:
In XX/XX/2021, I went into XXXX XXXX to open a monthly membership of {$10.00} a month and they ended up creating a renewal contract for {$200.00} biweekly payments for a total of {$2400.00} that I did not sign or commit to. It wasn't until the first payment of {$200.00} hit my bank account that I realized there was something different submitted as a contract. I went into the facility to have them fix it but they said the person I needed to talk to was not in. It wasn't until the third attempt that they said she is no longer with the company. Because I was unable to resolve it with XXXX I turned to my bank ( Chase ) to dispute the charges. They did reverse the charges. However, now the " debt '' is being reported on my credit reports by collection agency Aldous and Associates. I will also enter a dispute with them, however I want to ensure this gets removed, as it dropped my XXXX XXXX by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Complaint:
I have a fraudulent account on my report and there is no way to contact XXXX about this. 

XXXX  will not let me login on their website. They will not confirm my identity. When you call it says they can only transfer calls in limited circumstances. Every phone ends with the machine hanging up on you. Beyond frustrating to try and deal with this.

Company response to consumer: Closed with explanation