hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MD)

Complaint:
Midland credit management is using false XXXXnformation on a debt that I'm already paying on. The original ( and only ) creditor is XXXX XXXX which I currently owe {$2700.00} out of XXXX. Midland credit management is claiming That I owe XXXX which I never owed that amount. Midland credit Management stated that the debt we sold on XX/XX/XXXX which XXXX XXXX never did. XXXX XXXX sent me to court and garnish me ( Maryland XXXX XXXX case number XXXX date XXXX XXXX ). Midland Credit Management also would not allow me to dispute the issue with them directly ( I called more than one number ). Midland credit Management reported on my credit report in XXXX, I went default on my debt in XX/XX/XXXX and from my understanding is against reporting laws for my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

Complaint:
I want this late payment deleted from my account within XXXX  days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
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:
Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

Complaint:
When I would get paid every week and I would try to cash my check and they would tell me my account is closed when I didn't close my account and it would cost me XXXX dollars weekly until they could figure out what happen and this went on for a month and I just gave up on Wells Fargo and I would tell people not to bank with them so they wrote me a letter months later and I told them they caused me over XXXX  dollars to go elsewhere to cash my checks so I said forget Wells Fargo it's unfortunate for 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 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (PA)

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (MI)

Complaint:
I XXXX XXXX filled out a credit application with XXXX for an Apple card on XX/XX/2021. I know credit is my right pursuant to 15 usc 1601. So I was confused when I received an adverse action knowing that only applies to insurance and employment pursuant to 15 usc 1681b. Since I have been denied my right and have received an adverse action that is violation of 15 usc 1681n civil liability for willful noncompliance. It also is a violation of 18 usc 241 conspiracy against rights and 18 usc 242 deprivation of rights under color of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
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. (VA)

Complaint:
My name is 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 non-monetary relief
Consumer complaint received 2022-06-09
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. (FL)

Complaint:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX, XXXX Account # 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

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 2019-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Complaint:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MA)

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly 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 explanation
Consumer complaint received 2023-06-15
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: EQUIFAX, INC. (WA)

Complaint:
There is a bankruptcy eventhougt the name, lastname and birthday match the social security and the state I have live since XXXX until today XX/XX/XXXX does not match. 
I found out when I tried to get a loan for a home and they asked me about it, it sorprise me when they ask how long I have lived in XXXX XXXX, I have never live there, I have always received calls about student loans and other debts but I thoug it was fraudulent calls since by that time I didn't own a single credit card, my first Credit card was issued on XXXX before that I used to pay everything cash.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08
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. (NJ)

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

XXXX XXXX XXXX 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 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Complaint:
Capital One Bank # XXXX is reporting a late in XX/XX/19 that is innaccurate. I attempted to pay this multiple times online and it showed that it went through, it wasn't until later that I got a notice that I was late. This is their fault, not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
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 again, I discovered that some of the account was still erroneous. The XXXX credit bureaus must validate these accounts in order for me to establish a good record. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXXXXXX 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

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 2023-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Complaint:
This is to the second complaint filed with this agency over payments related to both my Capital One Credit Cards ending XXXX and XXXX this is related to the previous complaint # XXXX. 

I have made arrangement with Capital One to make a monthly payment in the amount of XXXX on the XXXX of every month for a total of 9 month which the first payment was to be made on XX/XX/2023 and another payment was made for XX/XX/2023 but made on the XXXX which a customer service agent not of the United States was informed. From XXXX and XXXX, XXXX  Capital One, despite having the agreement of the XXXX payment every month for 9 months has been sending me notices stating the account is behind and i have to make up the past due amount before XX/XX/2023 my account will be charged off. On the XXXX of XXXX I contacted Capital One stating this was incorrect and spoke to Agent XXXX XXXX XXXX XXXX to ask for a physical address to dispute my account. The agent began to place me on hold and later stated her Supervisor told her that she could not provide a physical address ( which could have been a XXXX XXXX XXXX to me to write a letter. this is a violation of the Fair Credit Reporting Act and the Fair Billing Act. 

This is the second time I have had to file a complaint based on my accounts with Capital One in which an XXXX XXXX  provided error or did would not allow me to make a payment ( reasonable ) to keep the account from being charge off. 

XXXX XXXX have prevented me from being about to protect my credit rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Complaint:
Was alerted on my credit file of a hard inquiry from Bank of America also received a email from Bank of America that a credit application was denied that I never applied for a card foXXXX XXXX  XXXX signature XXXX XXXX or with Bank of America my credit score lost points and someone is currently using my info I have put a freeze on all 3 credit bureaus for my credit file

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 2021-10-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: OneMain Finance Corporation (MO)

Complaint:
I have been trying to dispute this account and have it removed from my credit file due to inaccurate information reporting to the credit bureaus about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

Complaint:
There are several accounts being reported on my credit report. I do not know any of these companies. I have never done business with any of them. These collection accompanies do not have a contact with my signature.

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 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (AR)

Complaint:
In accordance with the Fair Credit Reporting act XXXX Accounts 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. 



XXXX XXXX XXXX Account # XXXX Original creditor : XXXX FS 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: United Collection Bureau, Inc. (OH)

Complaint:
XXXX XXXX ( Pain management clinic ) gave United Collection Bureau based out of XXXX, Ohio a copy of my medical records, that includes my medical diagnosis, treatment plan, and health insurance information, including my health insurance policy number, group number, and the amount paid to my insurance company. I feel that this is a violation of the XXXX act. I know third party collection agencies can contact doctors, or hospital 's to obtain information in relation to collecting a debt, but I also know they are not allowed to obtain my personal account information, such as the ones described above. I want to know why United Collection Bureau needs to have a copy of my health insurance information including my policy and group numbers and the amount that was billed? i know the information is used to collect a debt, but I was not notified by my pain clinic, that amount was due. So I did n't get ample time to rectify the situation. I feel that United Collections Bureau, does NOT need to know my personal health insurance information policy number and group number, to obtain the amount of debt that I owe. The first time they phoned my house it was a human that tried to sound like a robo-call. Whoever was doing it, does n't realize that I have a voice mail and screen my phone calls, so she was leaving the robo-call message on my voice mail and not actually speaking to myself in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc. (NJ)

Complaint:
I had an account with XXXX for a while. Last year, I decided to switch carriers. XXXX tried unsuccessfully to get me to stay with them. I said no. After my lease was up, I was told by XXXX that in order to return their devices to them, I had to wait for their packaging to arrive. When it did not come, I called NUMEROUS times only to be told that it would come. In the meantime, they turned the bill for the devices over to Diversified Collections. I explained to them the situation. XXXX said I owed them {$1700.00} which was totally incorrect. In the meantime, they were still charging me monthly even though my lease was up and I had another carrier. Diversified threatened to show this on my credit report. I explained to them that XXXX never gave me credit for the devices and they were charging me monthly, in error. Diversified said XXXX never received the devices. After I produced the paperwork from XXXX stating they had received the devices, they changed the amount I owed them to {$980.00} which was still incorrect. I told them to correct the mistake on my Credit Report. They asked how much I would settle with. I told them at most, {$200.00}. I told them to send me something in writing confirming that if I paid them {$200.00}, they would consider the debt paid in full. They said no, send us the money of things will stay the same. This collection account hurt my credit score and is causing me misery and they refuse to have XXXX send documentation supporting their claim of this ridiculous amount of money they claim I owe them. Diversified has the most unprofessional, rude, inconsiderate agents I have ever come in contact with. They are wrong and I would like for something to be done and have them reverse this erroneous information from my credit report. Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Complaint:
XXXX**3RD ATTEMPT*** It has been over 30 days since my 2nd attempt and I have NOT received ANY correspondence. 

In my previous CFPB complaint, XXXX responded and gave pushback stating that the bank account I used to try and set up auto pay back in XXXX XXXX  and onward was an account that did not belong to me and that it was under a different name. However, this is NOT true. My wife ( XXXX XXXX ) and I are equal owners of this bank account. Please see the attached bank statement & copy of my check book that shows both names as proof. XXXX 's name shows first and mine shows second. We both have equal ownership to this bank account. You can also see that the bank account number in which XXXX rejected ( XXXX ) is the same account number that is on the bank statement & check book. I'm not sure if it's because XXXX 's autopay can only detect the first name listed on the bank account but I am 100 % on the account as an account owner. Therefore, Autopay was rejected for a false reason and this ultimately caused my mortgage to be late when I had full intent to pay and even tried setting up auto pay multiple times. I kindly ask XXXX to rectify the late payments on both my mortgage accounts please. Please look at the rejection letters from XXXX and the bank acct number they rejected due to supposedly not being mine. Then look at the bank acct number on the bank statement and check book. Here you'll see that I, XXXX XXXX, am in fact an owner on the bank 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 2021-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (OH)

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation