hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2016-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (TN)

Complaint:
In XXXX we submitted an application to switch my wife 's student loan repayment plan from XXXX to REPAYE. The application has still not been completed and we are being asked to pay an amount that makes no sense. I understand one month requires a {$5.00} forbearance amount, which we did for XXXX 2016, but now they want another {$5.00} payment for XX/XX/XXXX which will not count toward our 120 payments for Public Service loan forgiveness program. We get excuses like " it is being processed '' & " we have put in for it to be expedited '' but it should not take this long to get done. 
In XX/XX/XXXX I filled out the required annual income verification to remain on a reduced payment due to income and a request to switch from XXXX to REPAYE, and they rejected my application and have placed me in the the Standard 10 year Payment plan which tripled my month payment due. They claimed I did n't sign my application, but it 's an electronic application that you ca n't submit without a " digital signature '', when I called FedLoan they blame the system and say they ca n't access the application to " see it '' to verify the application was submitted correctly. This is ridiculous. They blame the system, and blame " processing ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-26
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. (GA)

Complaint:
I have hard inquiries on my Equifax credit report that I did n't authorize or recognized. These are the following hard inquiries XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX XXXX ) XXXX ( XXXX ), XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ), XXXX ( XXXX ), XXXX ( XXXX ) and XXXX XXXX GA XXXX XXXX XXXX. Also identify theft was played at fault in many of these unauthorized accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-07
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. (FL)

Complaint:
I am writing to inform you that XXXX XXXX XXXX payment history is inaccurate information on my credit report. I am requesting that you deleted this account off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc. (OH)

Complaint:
Ireceivedanegativeremarkonmycreditreport;TheaccountwasopenedonXX/XX/2018fortheamountofXXXXfromDesignedReceivableSolutionsrepresentingXXXXXXXXXXXXHospital.IamXXXXandhavebothprimaryandsecondaryinsurancewhichissupposedtopayforthesemedicalbills.IneverhadagoodunderstandingofcreditsoIallowedtheseremarkstobuildup,andnow,asIamworkingtorepairmycredit,IamfacinganumerousamountofthesefalsechargesandIhopethismattercanbelookedintoasagestureofgoodwill.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Consultants of California (CA)

Complaint:
This is regarding previous complaint number # XXXX. Collection Consultants of California offered a pay for delete to resolve medical collections as a remedy for disputed collections. I believed this issue was resolved, but there are still 2 collections from Collection Consultants of California that remain on my credit report. One account is being listed on XXXX, and the other is being listed with XXXX. I contacted Collection Consultants of California and spoke to XXXX. She advised me that there was an error made, and that the amount of {$1300.00} was additional and should have been included in the previous complaint. I expressed to her that I thought this was totally unfair and that I thought the previous complaint resolved any open collections. She apologized and stated she could make an additional offer to delete. I did not want to comply because I felt that I was being mistreated. I recently contacted Collection Consultants of California again to speak to XXXX, on XX/XX/XXXX and XX/XX/XXXX and was told she was not available. Both times I was advised that a message would be taken and given to her. I still have not received a return call from her. These medical accounts have affected me negatively for a really long time and I don't feel I deserve this, especially since I did have insurance at the time of the billing. I would like to get this issue resolved once and for all without any accounts showing back up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ditech Financial LLC (NY)

Complaint:
Hi i am writing today in hopes to get your help i recently reviewed my credit report and i saw that you are reporting me 30 days late in XX/XX/2018 and i was shocked when i saw it because i always pay my bills on time i cant remember what happened then i dont remember missing any payments but i cant argue on that since i dont remember but that is not me i am not the person that pays my bills late and you can imagine what this means for me i was gon na lease a car and i they wanted a way higher rate then i was supposed to get so i beg you to please update the 30 days late on my credit report to reflect as current it would be a great help to me Thank you so much!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
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: EQUIFAX, INC. (UT)

Complaint:
I have tried several times to file a dispute online. over several days. It always says currently unable to process your request. When I call in they say the online, dispute center is down. This has happened over and over again. Then they tell me I can send it in writing but need to send my ssn card and photo ID. No I will not send that in the mail. I should be able to file a claim online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Credit Network Inc (CA)

Complaint:
I have medical debt paid off by my insurance XXXX and XXXX and believe the debt is paid and these collectors have switch names two times on me in the past 4 years. XXXX XXXX XXXX XXXX XXXX and Finanical credit net. I do not owe any debt. Thank you. This is predatory.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Complaint:
I purchased a XXXX XXXX XXXX financed by Capital One Auto on XX/XX/XXXX. I fell behind on payments and the car was repossessed on XX/XX/XXXX. I was sued by Capital One Auto IN THE MAGISTRATE COURT OF XXXX XXXX STATE OF GEORGIA Garnishment Case # XXXX. The Honorable XXXX XXXX XXXX, XXXX of said Court ruled in order of the Plaintiff for me to pay {$5900.00} on the XXXX day of XXXX, XXXX. I completed my last payment to Capital One Auto through garnishments from my paychecks at XXXX XXXX. XXXX sent 25 % of my check to Capital One Auto. The last payment sent to Capital One Auto was in the amount of {$1600.00} on XX/XX/XXXX. I received a Release of Garnishment from the XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX on XX/XX/XXXX. If you go to https : XXXX and click on Smart Search then put in XXXX the case information will come up as public knowledge. I have sent Capital One Auto certified letters trying to get this resolved and they claim that their reporting is accurate. They are reporting to the Credit Report now and even through Covid where I was out of work for 3 months that the balance is charged off and that I still owe the balance. Capital One Auto sent me a collection letter on XX/XX/XXXX in the amount of {$4700.00}. I currently have XXXX XXXX XXXX trying to get the matter rectified with the Credit Bureaus but I was advised that there was nothing I could do against the bank itself and that I should file a complaint against them here. I received a document from the president 's office of Capital One Auto, XXXX XXXX XXXX, stating that they would never sue me for the balance in response to my complaint. This letter came after I had already been sued and after I've already paid my debt back to them. Every claim and document can be furnished upon request. 

Please help me, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
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. (UT)

Complaint:
I applied for mortgage payment modification XX/XX/XXXX, received notification for trial modified payments starting XX/XX/XXXX for four months trial, paid modified payment all four months on time or early. Modification not completed and told each month to just keep making the modified payments, nothing more for me to do.I received a letter XX/XX/XXXX stating that I would be notified within 30 days or less of approval or denial. Long story short ... all required modified payments paid and accepted until the modification was denied XX/XX/XXXX ( year later ) I paid the required and accepted modified payments from XX/XX/XXXX to XX/XX/XXXX, on time or early each month. It was no of fault of mine that the modification did not go through and the negligent practice of the mortgage company kept the process going for over a year before being denied then reporting my credit as behind the whole year. I have been unable to refinance the mortgage because of this report, even though I was required and paid back all of the differences in the payment vs the modified payments for that year. I was reported as late or missing payments for the whole year of XX/XX/XXXX-XX/XX/XXXX and that is not accurate information, I paid the required and accepted payments each and every month, without being late or missing any payments.

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 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (IL)

Complaint:
Hello CFPB! Hope you guys are doing great! Please forward the following documents to GM Financial. Thank you and be safe!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AL)

Complaint:
On XX/XX/XXXX I filed a dispute with all 3 Credit Bureaus about a Fraudalent Account on my credit report with XXXX XXXX XXXX with a {$610.00} Negative Balance. Two of the Credit Reporting Agencies removed the account and one did not. However all 3 of them removed a Positive and good Credit account that my wife and I have with XXXX XXXX with a {$2500.00} balance, a card opened in XXXX XXXX. This has drastically affected my score and it 's hindering me from refinancing a 4.5 acre 4500 sq ft building that I own and trying to refinance. They all refuse to put the account back on my credit report and all told me to contact XXXX XXXX. I did contact XXXX XXXX and they said all 3 of the bureaus should stand up to their mistake and put the account back on my credit. The account number is : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : ACCOUNT NUMBER XXXX, XXXX XXXX XXXX : ACCOUNT NUMBER 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 2021-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Complaint:
Capital one I had years ago paid what I was told to pay and told them to closed the card I shredded the card and all and years later now in 2021 yall calling me saying I owe money when it was settle years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
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. (OH)

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors' Service Bureau of Niles, Inc (NC)

Complaint:
Creditors Services Bureau is a privately owned collection agency is in violation of the Fair Credit Reporting Act, 15 USC section 1681 ( i ) and 15 USC 1692 ( a ) ( 5 ) there is no debt. This collection is not this consumers account.

This assumed debt was charged off after an internal credit in the amount of the loss in order to XXXX  out the balances and close the account. The loss balance is then transferred from the XXXX XXXX XXXX to the XXXX XXXX XXXX which opened up another fraudulent. The agreement is satisfied, the terms of the agreement is satisfied and the account has been XXXX out and the contract has been satisfied. 

This consumer is only responsible for the XXXX  account closed. So if the account that is closed and the contract that created the account, that contract has been satisfied then Creditors Services Bureau has no claim. 

I hereby irrevocably refuse to consent/contract to Creditors Services Bureau agency because there is no law required for this consumer to do so. Until Creditors Services Bureau agency can provide a lawful authority by which this consumer is subject to comply with submitting to Creditors Services Bureau or jurisdiction in violation of my rights to be free of involuntary servitude. 

This consumer dispute this debt and all claims to contract in accordance with 15 USC 1692 ( g ) Creditors Services Bureau is hereby warranted to Proof of Claim in Arbitration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
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:
Today, XX/XX/2020, I received an email from TransUnion inviting me to login and see my credit score. I tried to login with my username, and was told, invalid. Then I tried to login with my email address as my username. I was again told, Invalid Credentials : Please Try Again. I then clicked forgot login information, which took me to a screen asking me to provide my SS # and last name. Then when I clicked, what happened was, that same screen simply erased, as if I never input anything. So, I typed my SS # & last name again, and clicked continue. What happened was, the exact same thing - when I click continue, then screen simply erases, as if Ive never input my SS # and last name, and I get no other message. The problem is that i can not login to TransUnion. Additionally, for more than a year, TransUnion posts fraudulent information about me, inside the " Personal Information '' section of my TransUnion credit report. TransUnion  refuses to remove the ridiculous, false information, and refuses to provide information about who supplied them with the libelous, fake information. Also, when I previously unfroze my TransUnion report, potential lenders tell me that my credit report is frozen. TransUnion refuses to allow me to unfreeze my credit report and show it to selected lenders.

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 2017-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Complaint:
XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX PORTFOLIO RECOVERY ASSOC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim ( Collection account of {$940.00} ). This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 



P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Mid-Atlantic Finance Co., Inc. (FL)

Complaint:
In past 3 months I asked for the balance to pay off and the company says that a I have to pay in full all future payments scheduled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
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. (OH)

Complaint:
On XX/XX/XXXX I checked my XXXX XXXX account and my score was lowered and the reason given was a credit inquiry from XXXX XXXX. I have never heard of this company. I then checked my TransUnion credit report and the number given was XXXX. This led to an automated message for me to call XXXX which was TransUnion itself. When I spoke to a representative they told me my claim was XXXX and that I needed to file a complaint with the FTC.

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