hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-07-14
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:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (MA)

Complaint:
I filed XXXX  XXXX XXXX of XXXX  and Citibank was listed on the schedule when I filed. Citi bank filed a lien on my property XX/XX/. Citibank has never sent a release to the registry of deeds to release the lien despite many calls requesting them to.

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 2023-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-03-14
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. (SC)

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that 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 hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CO)

Complaint:
Absolutely discusted with Wells Fargo and the scam they are guilty of for incorrect auto loan payments and house loan payments among other scams they have been found guilty of in a class action lawsuit keeping my credit rating labeled as junk in the low 500 range for 4 years and costing me $ 1000s in interest rate charges required down payment etc..

I'd like help getting paid from the settlement as I've only received a shotty short apology letter for any inconveniences this has caused with no mention of payback

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 2022-12-30
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. (AR)

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$3100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
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: Army and Air Force Exchange Service (NM)

Complaint:
I've been trying to buy a home through FHA. Two of the credit reporting agencies reported accurate information. The third, XXXX, first was locked, I could not gain any info. Then with the help of my finance consult, on XX/XX/XXXX we finally found someone that understood our problem : My credit report contains information on someone else with the same name that is DECEASED. And two accounts specifically, XXXX/MILITARY STAR, are on my report. They are not mine, have never been in the military, and I am not DECEASED. We filed a dispute XX/XX/XXXX and about 3 weeks later, someone finally discovered the problem and DELETED the XXXX account. So I thought that would solve everything, since they had lumped XXXX and MILITARY STAR together. So when my finance person and I went back to see what XXXX was reporting, in order to finalize my FHA loan, before I lose ANOTHER chance at a home, it still showed MILITARY STAR on my report, that I am DECEASED and the account has been closed since 2015. The only info I have on this account is in the report, with the number of the account as XXXX ... ... I need this off my report! Otherwise I am never going to be able to qualify for the FHA loan! It is now the second week of XXXX and I am getting very frustrated with the whole system. I am going to try to contact MILITARY STAR again to see if I can get anyone that can help and understands what I'm talking about. I am so upset that I might lose my chance at this house!

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 2023-01-06
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. (MD)

Complaint:
My name is 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 non-monetary relief
Consumer complaint received 2023-01-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Complaint:
On XX/XX/2022, I contacted Portfolio Recovery Associates ( XXXX XXXX XXXX ; XXXX XXXX ; XXXX, VA XXXX ) and asked them to send me the Original contract ; Creditor information ; Payment history of this alleged account ; Proof of ownership ; and Contract with Portfolio Recovery Associates authorizing consent for debt. I sent this certified mail ( # XXXX XXXX XXXX XXXX XXXX ) via the United States Postal Service. They had 30 days to send me this documentation. On XX/XX/2022, I contacted them again and told them they did not honor the 30 days and asked them to remove this inquiry from my credit report. They never did so on XX/XX/2022, I contacted XXXX, reported what was going on with Portfolio Recovery Associates and started another credit dispute and asked them to remove this credit dispute from my credit report because they never sent me the requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (IL)

Complaint:
i asked mr cooper if they could correct this problem and they told me they will look into it 4 weeks ago XXXX still havent heres problem Account info Account name NATIONSTAR/MR COOPER Account number XXXX Original creditor - Company sold - Account type Mortgage Date opened XX/XX/XXXX Account status Open Payment status Current, was past due 90 days Status updated XX/XX/XXXX Balance {$90000.00} Balance updated XX/XX/XXXX Original amount {$110000.00} Paid off 21 % Monthly payment {$1400.00} Past due amount - Terms 360 Months Responsibility Individual Your statement - Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX On time 30 days late 60 days late 90 days late Data unavailable Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Comments Account information disputed by consume im still trying my hardest to try and straighten this out can you help out

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (TX)

Complaint:
After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with account listed under Ability Recovery Services. I requested a validation on XX/XX/2019 as there was an account listed that I did not recognize as I have always had insurance/Medicaid that fully covers my medical. On XX/XX/2019 I reviewed my credit profile again as Ability Recovery Services had not responded but the account was reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/XXXX, XXXX Credit report was reviewed again on XX/XX/2019 and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and these accounts continue to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and that all information is correct.

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 2023-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (TX)

Complaint:
Company withheld my insurance license ( my license is required to work ) and would not allow to renew unless they were able to add thousands to balance. I was held XXXX by being denied my insurance license renewal until they could add fees and increase my balance substantially. I was not able to find other employment due to market conditions. I should owe around {$10000.00}, however my balance due to these fees and predator tactics I now owe close to {$30000.00}. 

I need help addressing this predatory behavior! 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
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: DISCOVER BANK (AZ)

Complaint:
Discover sided with a merchant on dispute that clearly had no legs. Initially, I had an autoship with XXXX which was routed to a different card for over six months so this charge no longer appeared on Discover for over six months. Then I reached out to XXXX to cancel that autoship in writing. Instead of cancelling they submitted my initial customer agreement to Discover and started charging me again. I immediately disputed the charge, but Discover in their infinite wisdom decided it was valid even though no product was received by me. The amount in dispute is {$54.00} which I would like to see returned to me ASAP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (FL)

Complaint:
After reviewing my credit report i have noted some discrepancy Caine & Weiner INC Account Number XXXX XXXX  validation was requested and none was provided. I have not received any correspondence from them only harassing calls.This is not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
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. (PA)

Complaint:
Three Fraud Student Loan accounts and Inquiries appearing on my credit report appearing on my credit. 

XXXX. XXXX XXXX. XXXX XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
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:
In accordance with the Fair Credit Reporting Act, the creditors have violated my rights. Under 15 U.S.C. 1681, section 602, it states that I have the right to privacy. Under 15 U.S.C. 1681, section 604 ( a ) ( 2 ), it also states that a Consumer Reporting Agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666 ( b ), a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I respectfully request that any late payments be removed.

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 2018-12-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NC)

Complaint:
Fair Collections and Outsourcing is reporting that I have an outstanding debt owed to an apartment community for {$7500.00}. I acknowledge that I do have a liability with the apartment community, but I strongly disagree that it is {$7500.00}. I have requested a detailed itemization of the charges from the collection agent on multiple times, but they will not provide this information. I feel as though they are withholding this information, because they can not justify the collection amount they are reporting.

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 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

Complaint:
i contacted the 3 credit bureaus XXXX, equifax, XXXX multiple times over the past year by phone and mail and let them know that i wanted them to remove XXXX negative accounts thats on my credit report they have violated my rights to privacy they had no permission to even report any information to the credit report and they also never sent me any verification or anything verifying the account 15USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
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: Bull City Financial Solutions, Inc (TX)

Complaint:
I am not familiar with these items and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and are not my accounts. I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I have notified my attorney to stop the actions of your company from contacting me anymore and I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Collection Systems, Inc. (OH) (NY)

Complaint:
I have a debt on my credit report for American collection systems for XXXX New York that should not be there because XXXX servicing is already handling all my school loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
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. (FL)

Complaint:
There are currently numerous inquiries and accounts listed on my credit report that I have no knowledge of. These inquiries and accounts were not authorized or initiated by me and was a result of fraud or malpractice.

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 2022-02-28
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (TX)

Complaint:
I have reached out to the company several time I sent in a copy of my identity thief report this account is still being reported on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Complaint:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to XXXX party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Complaint:
XXXX XXXX is trying to said that I owe for an account that I don't.. I have reach out to this company and still nothing.. They sold the account to XXXX XXXX and Portfolio I have been going back and forth with these two companies, because I'm not paying a bill that I don't owe..I asked for proof and they sent me two bills months apart, so I ask them what is this.. These are two different bills from months apart. I was told that is what their client sent them, and that's all they had.. I'm like if you said that someone owe something you suppose to have concrete proof.. Some of the reps had gotten nasty telling me that I'm going to pay it.. I also received a disrespectful letter from the company. They wS reported to XXXX and the credit bureaus and they stated to me that they are not going to keep replying to my request and this will remain on my credit.. I'm tied of going back and forth with these people.. Something need to be done where these companies can't conduct business again, because you trying to get money from people that don't owe you.. This don't add up to what they are trying to do.. I refuse to allow them to get me like that.. My next step will be legal action, because they need to be shut down.. This is very frustrating.

Company response to consumer: Closed with explanation