hpe-ai/customer-complaints huggingface dataset:
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 — Personal information incorrect
Company: EQUIFAX, INC. (OH)

Complaint:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. My DOB XX/XX/XXXX and my SS XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: F.H. Cann & Associates, Inc. (NY)

Complaint:
I received a debt collection letter from F. H. Cann & Associates, Inc, stating, " This notice regarding your defaulted student loan or grant overpayment debt held by the XXXX.  XXXX XXXX XXXX ... .has been placed with our office for collection ''. The amount is {$15000.00}. I have no such loan with the XXXX. Knowing this, I contacted F.H. Cann. The first thing I was asked was to give my social security number and date of birth. I told the lady I knew nothing about this and as a precaution, refused to divulge my personal information. She responded that she was unable to tell me anything until I complied. I then retorted to bring the matter to your department. That 's when she offered to give me the number to the XXXX. I called the XXXX who told me, correctly so, they had no record of me having any loan, outstanding or otherwise. The rep even connected me with another section of the XXXX who, after getting my personal info, concluded the same. I 'm now asking your department to delve into this issue to see what 's going on. Thank you for your assistance in the matter. I look forward to your finding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RoundPoint Mortgage Servicing LLC (TX)

Complaint:
I 'm currently in the XXXX XXXX and during the last 2 years, I was mobilized twice. My auto-payments were going on-time, but due to a technical glitch, my bank sent me a letter to physically contact the recipient and send the payment, but I was on XXXX and never got the letter. Though I had the money and gave it when I returned, they reported a 30 and 60 day late payment. After talking with a representative of the XXXX, I was told I could have those two late payments removed, as per the law, but I have not been able to do so. I was overseas. Now I 'm unable to get a Home Equity loan or refinance my home. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
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. (NC)

Complaint:
I'm trying to get a small loan to make some renovations to my house but today XXXX/XXXX/2020 they ran my credit and they told me that I did not get approved because I had too many accounts in negative standing appearing on my credit report. I had no idea that there were accounts in negative standing on my report so I looked through it and I saw about ten accounts on my report that I never opened. The accounts are from companies that I have no written or verbal contract with ; I did benefit anything from these accounts that were opened in my name without my permission such as money, goods, services or any other benefit and I never made payments towards any of these accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau. I have filed this report to the best of my knowledge.

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 2021-01-12
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. (NJ)

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
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. (NY)

Complaint:
I am submitting this complaint about XXXX credit reporting agency. I recently submitted a dispute with them in regards to my XXXX  mastercard. It is marked on my credit report that I was more than 30 days late ( which is incorrect ). Today XX/XX/2020 I received a report with the investigation results. It shows my previous activity then shows the results after the dispute. ( They are the same ) yet it notes that there were some changes. Due to some work loss being laid off from work due to the corona virus I had lost some work. My company had closed. I immediately contacted XXXX XXXX and advised them if they can work something out with me as far as payments till I return to work. I was told I can participate in a 3 month program where my interest rate will be lowered and my payments would be lowered. I stressed over and over that I don't want this to be reported to the creditors as late I was assured it would not be as long as I made the monthly payment. I even made more than what I had to make. I am still be marked as 30 days late. Which in turn is affecting my credit score in a very negative way. I contacted XXXX XXXX and told them the issue and was advised again that the 30 remark would be removed and corrected and was given an apology for the error. It was never removed. I was then told dispute it with XXXX  again. Well trying to submit a dispute online I can't do. There website keeps coming up with error message. I am upset that due to national disaster and loosing work affected my credit score like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
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. (FL)

Complaint:
Once an item reports as Included in Bankruptcy, any pay history and balance should be removed per federal law. However, ten of my eleven accounts " Included in Bankruptcy '' still reported late payments in the payment history on my Experian credit report ; the only correct one is my XXXX XXXX account which was updated yesterday per a a separate issue. I do not have this issue with XXXX XXXX or XXXX. See the attached abridged credit report I obtained today online from experian pertaining to these accounts.

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 2022-05-18
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. (MA)

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  account # XXXX XXXX  account # XXXX, and XXXX # XXXX. 

15 U.S. Code 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.

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 2017-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
The Credit Agency incorrectly shows a number of late mortgage charge against our account, in all about one year of errors in reporting. There were Zero late charges against our XXXX account in 2016. This is unfair, we attach two pages, a XXXX statement called the " customer account activity statement '' and there are zero late charges on this XXXXXXXX XXXX XXXX Statement.
We are being gravely harmed by the Credit Agency, as this report is stopping us from  getting a mortgage. Their delay has cost us a serious increase in price of a house purchase. Also, an increased payment for 30 years, as interest rates have increased .. A loss of home enjoyment, because at XXXX, this lost time is invaluable. House prices and mortgage interest rates are continuing to increase rapidly in our area of intended purchase.

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 2021-07-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McCarthy, Burgess & Wolff, Inc. (NC)

Complaint:
Received a letter from McCarthy, Burgess and Wolfe advising that they have been retained for debt collection. However the debt was not validated to confirm the debt was owed by me. This company is in complete violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Financial Accounts Service Team Inc. (TN)

Complaint:
Debt collection agency called Financial Services has been contacting my boyfriend about my debt instead of calling my phone number.  They've given him information about me such as the doctor the bill is for and the amount I owe.

I also tried to contact them to resolve the debt by offering to make monthly payments via autodraft from my checking account and they refused the payment, saying it was not enough per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
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. (TN)

Complaint:
Equifax, refuses to correct incorrect information on my credit report. My confirmation number has been compromised, and my Equifax Pin Number has been compromised, and I would like an Immediate Investigation, why that, " XXXX XXXX XXXX '' has not been removed off my Equifax Credit Report.!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Complaint:
i obtained a copy of my credit report and seen erroneous information. so i proceeded to challenge the validity of the information. i have not received any information of investigations from the credit bureaus or the collection agencys reporting these debts. they are not abiding by the law and this kind of behavior is unacceptable. i can not obtain a job or take care of myself or my family because of the false and misleading information placed upon my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Complaint:
This was a car load with XXXX XXXX XXXX in XXXX XXXX XXXX  account number ( XXXX ) XXXX The original amount of this account was {$27000.00} it was open XX/XX/XXXX and my last Paymen was in XX/XX/XXXX after I made the last payment the rep congrats me and told me you will get your tittle after couple of days they start calling me that I owe {$300.00} and is late I come in and paid it off but my issues is I was impacted with Covid I lost everything I was struggle to feed my family they even give me a break on the payments thats how I gat into the two late payments which I keep call them about I was told they put it in the system already is not going to be count against me the other once I lost my job but still manage to make the payments all the is with a 30 days grace period this is really counting against me since now am trying to put my family in a home

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 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FORD MOTOR CREDIT CO. (NV)

Complaint:
My identity was stolen and used to purchase 3 vehicles. I have filed a police report, FTC Identity theft report. I have reached out several times to XXXX XXXX XXXXXXXX and Ford Motor Credit with this prof. Since this loans were placed under my name in XX/XX/2019. I was told they were deleted off of my credit. Now they are showing up on my credit again. I sent my documents to XXXX XXXX XXXXXXXX, Ford Motor Credit and the credit bureaus again and the credit bureaus told me they placed it back on my credit and they can no longer help me.! then when i called XXXX XXXX XXXX  and ford motor credit they said because i cant verify my fraud identity info they wont talk to me!!!!!!!!!!! This should be criminal and illegal. I am preparing a civil lawsuit with all of my 10 plus dispute claims police reports FTC reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-09
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. (NV)

Complaint:
These are bills and accounts are NOT mine. I am not a credit repair company, nor am I a mortgage company. Please remove this data from my reports. Thank 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 explanation
Consumer complaint received 2022-09-21
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: EQUIFAX, INC. (GA)

Complaint:
In accordance with the fair credit reporting XXXX XXXX  account # XXXX act has violated my rights. 15 U.S.C. 1681 section 602 A. states I have the rights to privacy 15 U.S.C. 1681 section 604 A. section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

Complaint:
I have sent several letters to letters to the Midland company in regards to said debts owed it's owed and for them to validate which they refuse to acknowledge and keep sending an automatic one page statement. This is not proper communication or collection methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc. (FL)

Complaint:
Nationstar collected thousands of dollars from me and credited them in the name of my relative XXXX XXXX who obtained a bankruptcy discharge. I was led to believe I would become XXXX  if I did not pay these monies. I have copies of these cashed checks. I was misled to believe I was being given a loan modification. I was asked for private financial XXXX checks, medical records, and tax statements to obtain a loan modification that I did not need nor was Nationstar the owner of. I am requesting a full refund of all payments made and all recorded documents be rescinded immediately and Nationstar cover all fees as a result of their illegal debt collection practices! 

I have a Grant deed that pre-dates Nationstar that is recorded with the county. There is no default on record that pre-dates my deed. All checks written by XXXX XXXX to NationStar I would like refunded directly to me. I was under the notion that I was responsible for my relatives debt due to be ignorance of debt collection laws. Due to this ignorance I have suffered years of vexatious litigation, locked out my home, spent hundreds of thousands of dollars and suffered at the hands of Nationstar Mortgage and their attorneys. 

NEED I REMIND NATIONSTAR THERE IS A BANKRUPTCY INJUNCTION IN PLACE PROTECTING XXXX XXXX. SEE ATTACHED BELOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

Complaint:
XXXX XXXX 2013 ( 3 yrs, 11 mos ) Original Creditor Name : XXXX I called ENHANCED RECOVERY COMPAN to remove that false report on my account. I have been now with XXXX for 4 years, and never owe them a penny. And Enhanced Recovery never got back to me. I sent them letter ... They never got back to me ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, AR XXXX ) dba XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, OK XXXX ) are refusing to release the lien after payoff of a vehicle purchased. The vehicle was paid off XX/XX/2020 and dealer representative ; XXXX XXXX advised that I had interest left to pay which I advised that I didn't and made the full payment. I called the corporate line to speak with a customer service representative which found my last payment made and advised me that the company would report to the credit bureaus of paying off the vehicle XX/XX/XXXX. She also advised that I overpaid by {$5.00} and she would request the dealership cut a check for the overpayment. The company has NOT reported to any credit bureaus of this milestone, the last reporting is XX/XX/2020. The company has not released the overpayment as well.

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 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Complaint:
TRANSUNION has ceased investigation of my credit report because, in their opinion, they believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to deliberate deny my 3rd Dispute request, but I believe it to be a blatant violation of the FCRA, Failing to provide a block within 4 days of being notified from a consumer who's been a victim of identity theft. Failing to provide accurate verification within 30 days of receiving a dispute. 

You were advised by me on XXXX by certified mail with a Police Report and affidavit from the Federal Trade Commission regarding fraudulent items appearing on my credit report. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported ; XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 

Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated ( insert today 's date ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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