hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Complaint:
I have submitted a check of amount {$4900.00} on XXXX and then it was credited into my account on the next day. I have spent that amount and now on XXXX XXXX the bank has reversed this amount saying it is a fraudulent check and balance has been deducted from my checking account. 

I tried to dispute the transaction with the bank and they are unable to do anything right at the moment and credit the money back to me.

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 2023-02-09
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. (FL)

Complaint:
My name is XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails i am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) I am afraid these XXXX credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. 

I have remained humbled despite the stress, abuse, and harm thee XXXX credit reporting agencies have done to me. 


DELETE 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 non-monetary relief
Consumer complaint received 2023-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (OH)

Complaint:
I have been trying to login to my nelnet account for the past week starting XX/XX/2023, and I continually get loading pages or errors that send me back to the initial login. Currently, all I get is " Sorry, Our Systems Are Temporarily Unavailable '' when trying to login. I have attempted to call and have waited for over an hour several times now to actually speak to someone. I have only given up when the time has gone over the quoted time and I have to move on with my day. It got through once for the call to be disconnected, and I never received any callback. How am I supposed to setup repayment if I can not even get access to my account online or reliably speak to a representative. I am pretty sure I have everything setup and ready to go, because I was not having these issues about two months ago when my loans were transferred. However, it is absolutely necessary that I have access to my information to ensure that I have the correct accounts setup for autopayment and won't have any issues once repayment begins. I'd like to begin paying in XXXX, so that interest doesn't accrue. But, I can't even get online or speak to someone to ensure that happens. Either this company wasn't ready for the demand that they are seeing and are unable to actually handle online and phone requests or they are intentionally having these issues to ensure that borrowers pay more. Both are honestly ridiculous and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (GA)

Complaint:
I am disputing this debt because I know that the amount is wrong and the account with XXXX was closed on XX/XX/XXXX, XXXX. I started service with XXXX XXXX in XXXX of XXXX and had 2 years to pay off the new phones and before services could be cancelled. The phones were paid off in XX/XX/XXXX despite one of the lines not being in use for over a year because of a lost phone. I called XXXX to cancel my service in XXXX of XXXX and it was officially cancelled on the XXXX. I never received any type of communication from XXXX that any money was owed or a final bill notice. Towards the end of XX/XX/XXXX, I received a collection notice in the mail regarding this account. I called XXXX customer service several times and was unable to get any information or this issue resolved because I had forgotten my passcode for the account and was told I had to go to a store to get this resolved. I went to the store located in the XXXX outlets in XXXX, GA on XX/XX/XXXX and was assisted by an employee named XXXX XXXX. XXXX called up customer service and was on the phone for over an hour trying to get this resolved. There was a female customer service representative on the phone and said that no money was owed, and the issue was resolved. A few weeks later I received another collection notice, and the amount was higher. I called up convergent on XX/XX/XXXX and explained the situation. I was told by the male rep on the phone to call XXXX and that a rep would assist me over the phone. I called XXXX again several times and kept being told that no information could be discussed without the account passcode. I went back to the XXXX store in XXXX on XX/XX/XXXX and spoke with the XXXX named XXXX XXXX XXXX I came in distressed and left in more distress than when I arrived. The manager was rude and by his physical body language he clearly did not want to help me. He told me it was out of their control and not to worry about it. XXXX XXXX happened to be there this day and I asked her to explain what happened when I was there last month. So the manager finally agreed to call customer service. After doing his research per XXXX XXXX XXXX I was still being billed for the second phone line and that there was no evidence that any bills were sent to me or any type of notifications. Per XXXX XXXX XXXX since I had already transferred to another service to not worry about this issue. After this visit at the store I received a third collection notice. How can a cell phone company justify billing a customer after they close their account?

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 2022-06-17
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (IN)

Complaint:
Synchrony Bank ( operating as JC Penney Credit Services ) reduced my credit limit by 62 % for a payment not made within 8 days of statement. I could understand if they did this after 30 days, but it's been 8 days... EIGHT days. This is a breach of the contract I signed with this company. Their " Account Manager '' on a recorded call refused to explain why, giving lip service such as " your 8 day late payment prompted a a review of your account ''. I've had credit for 15 years - NEVER ONCE has a company ever committed such blatant disservice to a LOYAL PAYING CUSTOMER. I could also understand if I had " bad payment history '' but I do not. Going far back as when I opened the account initially a few years ago, I always have made my payments each month. From time to time I may have had to pay a couple weeks late waiting for a paycheck to hit my bank, but have ALWAYS accepted and paid the late fee without question. Never has my account ever with this company gone 30 days past due. 

To treat a customer in good standing like this, and then to give some lip service about the decision being made to reduce it based on other factors when I have NOT applied for new credit with them, nor have I requested a credit line increase is blatant BAD BUSINESS PRACTICE. This company should be ashamed, and frankly this treads into legal waters which they have clearly not taken into account.

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 2019-02-13
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: Experian Information Solutions Inc. (VA)

Complaint:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

Complaint:
This company states that I owe a debt. I have no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

Complaint:
A medical bill is on my credit report from Wakefield in 2017 in the amount of {$900.00} that I did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Complaint:
On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time 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 2018-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Complaint:
XXXX XXXX i was never served with papers on this debt for court and the debt has never been prove to me in acordence to FCRA and all three are listing this debt incorrect i want this full debt on all three removed asap i am a XXXX vet frighting with them for going on two years please help 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 2022-10-26
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. (LA)

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2016-07-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Riverwalk Financial Corporation (CO)

Complaint:
I went to XXXX XXXX and it has been closed due to predatory lending, unfulfilled guarantees and promises and fraudulent grade reporting to ensure higher graduation percentages. Deville Asset Management, LTD contacted me in XXXX. They said the loan was turned over to them for collections. When I tried to ask about the validity of the loan, they just verified that I went to XXXX and said I needed to pay it immediately or make a payment plan. I had been paying it directly to XXXX and they just stopped sending me anything in the mail in XXXX. I had read somewhere about the closing of the school in XXXX. That is when I applied for the loan forgiveness. I believe Deville bought the loan for pennies on the dollar and are expecting me to pay it without verification that I owe it. I also believe they are only interested in their profit, not the truth of whether I really owe. They look as predatory as XXXX does. I did not receive goods and services I paid for and feel I do not owe it. I need someone to remove it from my credit report or explain why I would have to pay the loan if my degree it was for is not any good to me now. XXXX has a guarantee that if a student is not in a degree-related job within six months of graduation that they will pay {$250.00} toward their monthly bills. I did not receive this service, hence unfulfilled guarantees. The number I have for XXXX does not work. It sounds like a voicemail recording, but I can not understand what it is saying. At the tone, I have left messages but no one calls me back. Please help me sort this out, as I am unable to get answers on my own. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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. (MD)

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WI)

Complaint:
I have attempted on 3 occasions to obtain the method of verification used to verify an erroneous bankruptcy that has been listed on my credit profile. Experian has yet to provide that proof of verification. After reviewing their website, it was found that a third party credit agency, XXXX XXXX at times furnishes information to the credit bureaus. After reading that I contacted XXXX XXXX who attempted to verify this account with the courts. The courts sent notice that they do not verify such information. XXXX XXXX then deleted this erroneous bankruptcy from their records. This bankruptcy is unverifiable and should be deleted from my credit report. I have attempted to get actual proof of verification since XX/XX/XXXX, XXXX Letters sent to Experian on XX/XX/2021, XX/XX/2021 and CFPB complaint sent on XX/XX/2021. Even after a compliaint was filed, it STILL did not receive any verification of this bankruptcy. How is this even possible that this continues to happen. It is now XX/XX/2021 and I STILL have NO PROOF OF VERIFICATION. This is beyond unacceptable at this point. Without verification this accounts need to be 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 2022-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
On XX/XX/2021, my credit card was charged {$1100.00} for multiple unauthorized transactions. 
On XX/XX/2021, I received BOA phone call and alert telling me my " unusual credit card activity detected ''. I confirmed with the representative over the phone that those transactions were not made by me. BOA XXXX my card and issued a new one to me. 
On XX/XX/2021, I received the money back from BOA as total of {$1100.00} including one transaction that is not fraud which accounts for {$27.00}. 
On XX/XX/2021, I received the claim from BOA regarding their actions to the fraud activity. 
On XX/XX/2021, {$1100.00} was charged again by BOA which supposed to be only charge the {$27.00} one as it is not fraud. 
On XX/XX/2021, I received the email notification from BOA regarding their decision saying " while you personally didn't make the charge ( s ), we confirmed it was made by an authorized user on the account or someone who has permission to use the card. '' In the following days, I called BOA to submit my claim to BOA. 
On XX/XX/2021, I received BOA 's notification that my claim was denied.

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 2022-11-30
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. (NC)

Complaint:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
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: Experian Information Solutions Inc. (SC)

Complaint:
Since the breach my credit score is horrible like 500.ny mortgage and other good accounts are gone my fico now XXXX.ive written called and no help. I could not get a XXXX loan. I need this fixed. Help

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 2021-06-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Complaint:
I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Complaint:
XXXX; Experian and XXXX are reporting incorrectly a charge-off on the XXXX/XXXX – partial account number XXXX.  (Please see page 15 of the attached credit report.)  This account was settled and paid-in-full over five (5) years ago.  This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report.  I have contacted the (3) bureaus to remove this, however I have not been successful.

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 2023-04-17
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. (NY)

Complaint:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with explanation