hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HireRight Solutions, Inc. (TX)

Complaint:
Other addresses not mine. I have lived at is XXXX XXXX XXXX XXXX, Texas XXXX for 57 years a open court case which is being plead not guilty need to be removed which is causing " concrete harm '' being reported is unwanted and will be asking for relief pending no removal

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
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. (FL)

Complaint:
Recently I suspected that my identity has been stolen due to the amount of calls and emails I receive about accounts and collects that do NOT belong to me. I also am aware that my information was exposed I about 5 different data breaches. The 2014 XXXX data breach, XXXX data breaches, and XXXX  Data Breach. The breaches put my information at risk and resulted in fraudulent accounts being opened in my name.

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 2023-09-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (LA)

Complaint:
I ask Spring Oaks Capital LLC to email all information to my email address on XX/XX/2023, was told that they had emailed all relevant information to the email address on hand! no email was received nor have i received information, Disputed this with XXXX XXXX and Spring Oaks Capital Verified the debt with XXXX in less the 7 days! spoke with them again and still refused to verify, just stated that it was in dispute, but XXXX states other wise

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CT)

Complaint:
Could not utilize The Public Service Loan Forgiveness ( PSLF ) Program because I made to many loan payments and would need to restart my loan payments

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
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: Statebridge Company (AZ)

Complaint:
this company is reporting fraudulantly, this account is being reported as late months when they had not even bought my loan from prior company. statebridge bought loan  XXXX  2016. also, there was  a three month pa yment arrangement was fullfilled account never late and they are still reporting 30 days late. they 've rejected payments, sent back auto pays, since there employees seem incompetent to apply payments properly and on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

Complaint:
I disputed this account recently letting them know that this is incorrect reporting and requested verification of the debt. They have told me they've verified the debt however have not provided proof of the verification or of original debtor verification. I have made the request twice within the past 5 months.

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 2022-08-03
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Name : XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX Employers : XXXX EMPLOYEE XXXX XXXX Addresses : XXXX XXXX XXXX XXXX TX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : DEPTEDXXXX XXXXXXXX XXXX XXXXXXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiry XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX : DEPTEDNEXXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXXXXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX  XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employers : XXXX XXXX  XXXX XXXX XXXX & XXXX XXXX XXXX Collecons : XXXX XXXX DEPTEDXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXXXXXX  XXXX DEPTEDXXXX XXXXXXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX DEPTEDXXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

Complaint:
cra violation with wells and much more ftc violation id theft overdraft fees and let someone compromise my account take money out without my knowledge ... .. 

obviously bank error and some kind of ID theft i'm not really sure too many activity that i can not report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
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:
XXXX, Experian and XXXX do not reflect the latest information on my mortgage account with XXXX. All three reflect the last update as of XX/XX/2020.update mortgage account information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Complaint:
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Bankruptcy XX/XX/XXXX I have no knowledge of this account and/or inquires. I have contact companies directly but NO ONE would help they said I needed to contact the 3 major credit bureaus but I keep getting the run around.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (NJ)

Complaint:
Loancare is our loan service provider for our mortgage. We set up an automated payment request for the XX/XX/XXXX to pay our XXXX mortgage payment since we would be traveling out of state from XXXX XXXX - XXXX. We did not have access to email or XXXX mail until we returned on the XX/XX/XXXX, but did have cell phone access during the entire trip. OnXX/XX/XXXX we received notification that our mortgage payment for XXXX XXXX was not made in a timely manner and that Loancare reported us 30 days late to the credit reporting agencies. Upon contacting Loancare, we found that the automated payment was not accepted. When asking why we were not immediately contacted, they told us that they had been reaching out via telephone, but upon further inquiry, they admitted they had the wrong phone contact number in their system and was unsuccessful in reaching me. Furthermore, the letter that was sent to us stating we are late for XXXX was dated XX/XX/XXXX, post marked XX/XX/XXXX and not received by us until XX/XX/XXXX. Clearly we were not notified from Loancare that the payment we had submitted was not processed and immediately upon finding out, we corrected the problem. It is for the reasons stated, specifically the wrong contact information and mailing of the late notice so late in the month, that we are requesting a credit suppression for the 30 day late report they are ruining our credit file with. On XX/XX/XXXX we requested a one time credit  suppression due to the unique nature of this problem and Loancare states on their website that " within 15 calendar days following the receipt of an inquiry, we will provide a written response that includes details of how the inquiry has been resolved. This would be XX/XX/XXXX. A resolution was never given. Furthermore, they state that withing 5 days of the inquiry, " we will provide you with a case number and a toll-free number to call to discuss the issue and a resolution. '' This toll-free number was NEVER provided and NOBODY has ever discussed the case with us. This issue has now caused our credit FICO score to reduce by 60 points. We are currently working with XXXX XXXX XXXX XXXX to secure a mortgage on a new home and need to have this issue resolved prior to XX/XX/XXXX ( which according to the Loancare website should have been resolved by the 20th ) or we will lose our mortgage commitment and our new home. We have made a reasonable request for Loancare to  suppress the erroneous reporting based on them having improper contact information and Loancare is acting unreasonably. Especially considering that we have NEVER been late on ANY payment to Loancare or any other creditor in the last 14 years.

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 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (TN)

Complaint:
I had forgotten about this account with SunTrust bank account and it accrued {$390.00} in overdraft fees. When Truist took over the bank I went into my branch and paid it off via cashiers check on XX/XX/2022. It never changed on my credit report. I went back into the branch in XXXX of XXXX  and inquired about it. They told me that the cashiers check had cleared on the XXXX of XXXX and was posted to my account on the XXXX and gave me a letter stating this and told me to file an investigation with the credit agencies. Which I did. However, Truist instead reported that the amount was not paid and still had the {$390.00} outstanding balance. Which in turn caused my credit score to drop XXXX points. I would like them to rectify this 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
Consumer complaint received 2023-06-22
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. (FL)

Complaint:
I NOTICE THAT INACCURATE PHONE NUMBERS AND EMPLOYMENT IS BEING REPORTING ON MY CONSUMER CREDITS REPORTS. 
ACCORDING TO THE FCRA ( fair credit reporting act ), LEGALLY THESE UNVERIFIED IN AN AUTHORIZED ITEMS MUST BE REMOCVED THESE PHONE NUMBERS THAT ARE BEING REPORTED DOESNT BELONGS TO ME. 

I AM NOT A MANGER THAT IS BEING FASLY REPORTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (MO)

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX XXXX, Mo XXXX To : XXXX  XXXX XXXX XXXX XXXX, This complaint is against GM Financial on ground of price gouging by changing a payoff on a vehicle. Allow me to explain. 

In XX/XX/XXXX my fianc past away with a XXXX XXXX XXXX, being financed by GM Financial. According to the bill for that month, the owed balance was about {$9000.00}. Later I advised the lender of the development by sending information and express my intent to continue to payoff the balance. I even sent them a copy of the title indicating me as a beneficiary on a TOD ; Transfer on Death. 

During a phone conversation, they insist that I produce a letter of executive, or they will NOT give me a statement on the account. It was explained that because my fianc didnt owed any property or a business, an executive letter was unneeded and will NOT be produced. The lender still refuse to give me a statement. 


Point of the Complaint In XXXX, I received a letter from the lender stating that a balance of > {$8000.00} ( {$7000.00} principal ) was owed. Please be advised that payments of {$430.00} ( average ) a month was made from XXXX to XXXX of XXXX. To have this amount left on the balance is clearly unreasonable. It appears that the reason for this lender to NOT provide me a statement is to wrongfully charge me an excessive amount to payoff my fiancs vehicle. 

Additional information will be submitted at a later time. 

With this complaint, I respectfully ask for your assistance. 


XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC. (TX)

Complaint:
XXXX XXXX billed me for a car I never owned. I tried to call and t was still billed. I have no idea what this is for I have not owned a car in years.Now it is reporting on my XXXX Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
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: CORELOGIC INC (NY)

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, CREDCO add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2019-04-27
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. (NY)

Complaint:
My credit information from XXXX XXXX regarding my account is incorrectly reported. My account is being managed with a Credit Counseling program Consolidated Credit and the agreement with XXXX was for the entire full balance owed. The acceptance letter agreement from them to me states that they would not negatively report my account and they would not charge off my account ( I am uploaded this letter ) The did  charge off my account and negatively reported I am submitting a copy of this and the payment record was not accurately reported all payments were made as agreed and {$6900.00} was paid to them to date. 
Proof of these payments are uploaded with this complaint as well as the final statement from XXXX XXXX showing the balance.

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 2022-04-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Patient Accounting Service Center (FL)

Complaint:
I received letter dated XX/XX/XXXX stating payment was due on XX/XX/XXXX and a courtesy plan was set up. I was never advised I could verify or dispute debt. In addition, I have made a payment on XX/XX/XXXX and I asked the representative if there would be a follow-up letter sent out in regards to the payment and she stated it would. I never received the letter. I fortunately saved the previous letter and called to make a payment on XX/XX/XXXX and asked the representative about my previous conversation with the representative and he told me that they do not send out multiple letters unless there is a payment arrangement set up and I asked, How can I verify what is due and the payment amount. I advised that typically collection companies will send out some form of communication regarding the debt he advise that their company does not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (TX)

Complaint:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) Thecreditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of thecreditoron a statement. 

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 
First Progress XXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, StateAttorney Generals Office, XXXX XXXX XXXX, andFederal Trade Commission ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

Complaint:
Wells Fargo dealer services keeps reporting an account that is very old from 2006 andhas already been settled!

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 2023-04-22
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: Experian Information Solutions Inc. (NY)

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$70.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$21.00}, XXXX XXXX XXXX XXXX Balance : {$12.00}, XXXX XXXX XXXX XXXX Balance : {$10.00}, XXXX XXXX XXXX  XXXX Balance : {$8100.00}, XXXX XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : -

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
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: Experian Information Solutions Inc. (OH)

Complaint:
I dont recognize theses inquiries and want this off my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief