hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2023-04-12
Product: Debt collection 
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying
Company: Independent Savings Plan Co.
State: FL

Complaint:
On or about XX/XX/XXXX a XXXX XXXX came to my house and installed a water softener system and told me that they have in house financing for their systems and it would only be {$70.00} a month for 96 months with no interest or fees. I was never given any account information or terms just a yellow paper receipt with the cost of the machine and the additional price for the platinum maintenance package. The technician had a little cell phone that I signed the installation agreement but I only signed that XXXX thing. I started to immediately have issues with the water softener system and tried multiple times to obtain assistance in repairing the issues. The original company ( XXXX XXXX ) never followed through, falsely changed their address with the XXXX  and won't honor their part of the deal and when I did speak to a representative I told them I wanted to cancel the contract and have them take the machine back, at which point they informed me they don't hold the money part - it was a CREDIT CARD!!! ( not what I was led to believe at all ) and I would have to dispute it with the credit card company ( ISPC ). So, on XX/XX/XXXX I sent ISPC a letter disputing the validity of the debt since I was never told I was opening a high interest, low balance, incurs monthly fees, credit card. I sent ISPC a letter of refusal to pay, requested that they stop contacting me completely by phone or text, and disputed the validity of the debt. On or about XX/XX/XXXX - ispc sent a response that included an agreement that they would not communicate with me via phone or text. They also sent copies of the alleged agreement with my alleged signature - however, every single spot is the exact same signature. The technician from XXXX used my first signature for the original contract to fraudulently apply me for this credit. After this letter from them arrived, they continued to call me and leave voicemails and refused to remove the info from my credit report. On XX/XX/XXXX I received another letter that is the opposite of their first response but still does not solve the fraudulent opening of this account problem. I have already reported the XXXX XXXX XXXX to the XXXX  and the attorney general for fraudulent and deceptive practices and neglect of follow through for their unkept promises. I am still getting phone calls from ISPC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: EQUIFAX, INC.
State: GA
Tags: Servicemember

Complaint:
There is a financial account on my credit I know is a mistake. It is from a company called XXXX XXXX. After doing a search for it on online, it appears to be an insurance company. I have never heard of them before. This account is not mine and I would like it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: PA

Complaint:
On or around XX/XX/XXXX I noticed Wells Fargo was on my credit report I know thats account was cleared however XXXX  and XXXX  has it as a derogatory account. It took me three days to dig up this exhibit # 1 to prove wells fargonis full of XXXX and have committed fraud by falsely reporting inaccurate information. Attached you will see a refund the account was closed XX/XX/XXXX and yet its till being reporting why? Because Wells Fargo is a fraud and they do crooked XXXX to original creditors/consumers. 
The law states that and communication means conveying information regarding debt directly or indirectly to any person through any medium wells fargo is in violation of 15 usc 1692a also in violation of 15 usc 1692 c because I sent a cease and desist. Im addition I was violated because they submitted inaccurate information misleading information under the law 15 usc 1692e and 15 usc 1692f unfair practices you ruined my reputation by reporting inaccurate information for 2 years Whats XXXX me off is that Wells Fargo would have gotten away with fraud if I didnt find this document so Im demanding this be removed immediately XXXX  and XXXX  did no investigation when I spoke to a representative they told me it was correct no results from the dispute I submitted its a joke they have also violated my consumer rights they did not address my concerns I had to dig deep for three days to find proof and submit exhibits they do a half XXXX XXXX no investigation and if they did and investigation show me proofed XXXX you found follow the law laws listed above this needs to be removed 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 non-monetary relief
Consumer complaint received 2018-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: PR

Complaint:
They tried to open a credit card with my information not authorized. 

XXXX XXXX XXXX XXXX XXXX, FL 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 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect
Company: MRS BPO, LLC
State: NY

Complaint:
XX/XX/19 : Paid XXXX XXXX what should have been my final bill but still received a subsequent bill.

XX/XX/19 : Switched from XXXX  XXXX to new service.

XX/XX/19 : Returned all XXXX equipment to them.

XX/XX/19 : Received final XXXX Bill. Called immediately to dispute charges but was unable to get immediate assistance.

XX/XX/19: Took the day off from work and was finally able to reach a representative who explained the bill. Still didn't agree with the explanation but we could not come to an amicable agreement. I explained that my contract buyout was in process and that I would pay the bill by XX/XX/2019.

XX/XX/19 : Received email notice from MRS BPO , LLC, XXXX had assigned them the account. MRS BPO provided 2 payment options. I opted to make 2 payments of {$220.00} due XX/XX/19 and XX/XX/19. I made my first payment XX/XX/19.

XX/XX/19 : Called MRS BPO to clarify payment agreement because I received a notice which stated the option I chose would not pay the bill in full. Representative said the option had expired on XX/XX/19 but there is nothing in their records that shows this and the rep agreed to accept the final payment. She assured me that my bill would be paid in full and accepted my credit card payment by phone. 15 minutes later I receive notification that she placed the account on my Credit Record. It dropped my credit score by 54 points. I am in the process of buying my retirement home and this can either impact my interest rate or lead to me being denied for a mortgage all together.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Product: Debt collection 
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt
Company: PCR Group
State: MI

Complaint:
I received a first notice of debt from XXXX or XXXX  XXXX XXXX on XX/XX/XXXX. I sent a validation of debt letter via certified mail pertaining to US U.S.C. 1692g, Sec. 809 ( b ) of the FDCPA. on XX/XX/XXXX and an employee named XXXX XXXX signed for it on XX/XX/XXXX. I never received a response from XXXX. On XX/XX/XXXX, a letter from XXXX that was addressed to me was sent to my ex in-law 's address. I ignored the letter as it was not sent to my address and I already asked the debt be validated XX/XX/XXXX. To this day, I receive phone calls several times a week from this company. Below is a copy of the letter I sent to XXXX on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX RE : Account # XXXX. Dear Sirs : ( 1 ) I  owe no debt to XXXX XXXX XXXX and dispute the validity of this claim alleged against me. I demand verification of this debt. Mail it to the address above. I will seek the appropriate regulatory and judicial remedies if any adverse information is recorded against me for this debt I do not owe. ( 2 ) If this is related to XXXX XXXX in XXXX XXXX, there was a mutual release of claims in a court settlement. Because I am represented by counsel, all further communications regarding XXXX XXXX must go through my attorney : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, Michigan XXXX ( 3 ) I am not responsible for the debts of XXXX XXXX. He does not reside at the above address. Do not contact me about matters related to him. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Product: Debt collection 
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint:
15 U.S. Code 1692a - Definitions As used in this subchapter ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

Thank XXXX Capital One for stating in the response you sent through the CFPB on XX/XX/2022 that you cease and desist communication with me the consumer thank you again for providing me with evidence Capital One you still in violation of federal law pursuant to15 USC 1692a ( 2 ) Congress stated using any medium the XXXX major credit bureaus are used as medium for communication so you are still in violation of the fair debt collection practices act you are still in communication with me through the XXXX major credit bureaus remove this account from all three major credit bureaus immediately if not I will send my evidence and a XXXX of Truth to you and to the local Authority General and to the Consumer Financial Protection Bureau and to the FTC will bring lawful actions against your corporation for your nonfeasance act and defamation of character with a invoice. I will consult with my legal counsel for suit if need it. 

15 U.S. Code 1692k - Civil liability ( a ) AMOUNT OF DAMAGES Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX - 30 DAYS LATE XX/XX/XXXX- 30 DAYS LATE XX/XX/XXXX- 60 DAYS LATE XX/XX/XXXX- 90 DAYS LATE XX/XX/XXXX- 120 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Delete this account. 

5. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Product: Debt collection 
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours
Company: SCA Collections, Inc.
State: SC

Complaint:
I have sent several disputes to SCA collections regarding an inaccurate collection listed on my XXXX  report in the amount of XXXX. I have also sent disputes to XXXX  regarding this inaccurate information listed on my credit file and neither company has been able to produce any proof that this debt actually belongs to me! SCA collections continually ignores any debt validation letters I send and continues to list this unverified inaccurate information on my credit file. I will attach my most recent correspondence as well as the certified letter I sent to SCA collections giving them one final chance to verify and send me the proper information as requested in my letter.

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 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize
Company: Exeter Finance Corp.
State: GA

Complaint:
EXETER FINANCE CORP has inquire about a vehicle on my report that i did not ask for nor was i looking to purchase a vehicle. i'm asking that this be removed and i'm attached a police report stating that time of this inquires i wasn't able to talk nor write nor drive so its FRAUDULENT and i would like it REMOVED IN 5 days or a Lawsuit will be filed against this company for stealing my information without my consent. Police report attached

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

Complaint:
My information was leaked in the Equifax hack. There has been no effect on my credit yet, but the very fact that the information is out there is frightening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint:
I recently checked my credit report and I noticed numerous inaccurate accounts, inquiries and information on my credit report I've reached out to the credit reporting agencies to correct the issues but they did not please see the attachments included in the following complaints

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 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint:
I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$610.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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
Consumer complaint received 2021-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : Us SM BUS ADMIN ODA ( XX/XX/XXXX ). 
XXXX XXXX XX/XX/XXXX XXXX. 
XXXX XXXX XXXX XX/XX/XXXX XXXX. 
XXXX XXXX XXXX XX/XX/XXXX XXXX. 
I did not authorize anyone employed by these companies to inquire and view my credit report.This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights.Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation.In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint:
I feel that these accounts are negatively affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute. I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts being taken place. I need this problem fixed promptly because I will not wait another 50 days to receive no response due to the fact that I am clearly being ignored. I demand these accounts be deleted expeditiously or I will file for litigation due to the stress you have caused me. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted 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 non-monetary relief
Consumer complaint received 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint:
I have disputed several inaccurate accounts from my report to the credit bureaus but they aren't neither answering nor taking action, after 30 days of waiting for nothing, i disputed again my accounts.

Company response to consumer: Closed with explanation