hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (GA)

Complaint:
I received a letter from Enhanced Recovery Company that they are pursuing me for over {$800.00}. I sent a certified letter back to them requesting debt validation and the following information from them : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : They sent a bill from a 3rd party which still did not address what was requested from them or how thats shows I owe them specifically. I sent a second certified letter which they never responded to but instead reported this inaccurate info to the credit bureaus. I have never done business with Enhanced Recovery Company furthermore there is no signed contract with Enhanced Recovery Company. I have the right to demand to see a signed contract between myself and Enhanced Recovery Company as adding this invalidated info has negatively impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (IL)

Complaint:
A company called AFNI ( XXXX ) keeps calling me and asking for someone else. I've told them repeatedly it's the wrong number, but then they start harassing me about whether I know the person and whether I have contact information for them. I don't even recognize the name, and I've told them to stop calling, but they keep calling me. How do I make them leave me alone? This feels like harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Complaint:
XXXX XXXX # XXXX is in collection status on my credit report, however this account should never have gone to collection. I have never been late or missed any payments and I have a letter attached that XXXX sent clearing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Complaint:
In XXXX of last year was when the 1st problem started where on my credit report through trans Union and through XXXX XXXX  decreased by XXXX plus points when only positive things occurred on my credit report meaning accounts were removed and balances decreased no interest was gained on any debt no payments were missed yet the my score dropped by XXXX points. Again in XXXX of this year my score as well with TransUnion and XXXX XXXX  decreased by XXXX points they have since changed it on their side because I complained so now I dropped XXXX points points but again nothing changed no interest was gained on any debt that I have no payments for missed aid balance decreased and An collection account which was on my report which was not mine was finally after a year and a 1/2 proven that it was not mine and they have removed it. And my score drops XXXX points. I contact both companies they both just blame the other 1 no 1 can give me actual explanation as to why they dropped when things positive happened to my account and I need help. I have worked so hard on getting my credit back to a good level because I live in such a dangerous neighborhood I am struggling to get out of this neighborhood so I have been working on my credit since they dictate how people live their lives and now in 2 months they've taken my credit down from a good to now a poor. So I just can't understand why no one can provide me with the information that I'm asking everybody wants to just blame the other person I want to know why and I've looked at all of the models that people use for calculating our scores so I know that it noh that a no model is there a situation where my credit score should drop in this type of situation I wasn't even looking for it to increase I would have been happy with it staying the same back starting in XXXX because that way I know that I would be on the right track but every time I do something positive my scored drops so what am I supposed to do Also now when I try to contact the company 's TransUnion won't even let me get through their automated system to get me on the phone to talk to somebody and credit karma now is playing this game where they can't respond to my emails saying that I'm not emailing them from the account that is listed with them and that's completely

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 2018-12-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (LA)

Complaint:
I've sent validation letters to the creditor asking them to please validate that this debt is mine, on XX/XX/2018. It is now XX/XX/2018 and I have yet to get a response or proper validation. I'm asking that this account be removed from my credit report immediately. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: NCB Management Services Inc. (IL)

Complaint:
My brother stole my identity to co sign a car for my step daughter. Without my knowledge. 
My brother is a thief and career criminal, please help This complaint is tied in with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
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. (CA)

Complaint:
Hi, I'd like to document the change in my credit score and debt ratio from XX/XX/2020 to the present. I've called all three credit reporting companies, plus XXXX, and all of them say they don't keep the information this far back. I can get information about 9 months back, and that's all. I also called my bank, XXXX XXXX, which gives me 9 months of my credit score, and they say they also don't have historical information. BTW, on your intake form, it didn't ask me if I tried to resolve the issue with Experian. I tried to resolve it with all three credit reporting companies, speaking to supervisors. 

As it happened, my credit score tanked and my debt usage rose during the past three years. I'd like to have a record of that. 

If there is a place to get this information, none of the companies responsible for it know where that might be. 

I can't think of a reason why this information is unobtainable. These are huge companies with a lot of control over people 's lives. Even my bank keeps statements going back many years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
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: Experian Information Solutions Inc. (MS)

Complaint:
XXXX and XXXX are reporting incorrectly that I am 120 days past due on the XXXX - partial account numbers : XXXX ; XXXX and XXXX. ( Please see page 5 of the attached credit report. ) These accounts reflect a {$0.00} balance and {$0.00} past due. 

XXXX and Experian are reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account number XXXX ( Please see page 10 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. 

XXXX and XXXX  are reporting incorrectly that I am 30 days past due on the XXXX XXXX  - partial account number XXXX. ( Please see page 16 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. 

It is impossible to be late on accounts that have a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.

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 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

Complaint:
I have incorrect information displaying on my credit report from XXXX XXXX Equifax. 

I have reached out on more than one occasion as well as sent dispute letters highlighting all the discrepancies. I was notified that they would investigate and upon completion of the investigation no changes were made to reflect to correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX. 
{$6900.00} Balance updated XX/XX/2021 fcra violations not mine :

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 2023-03-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Complaint:
I have submitted an identity theft report and mailed it to Transunion requesting that Transunion remove the detailed information from my report within 4 business days of receiving the report per 15 USC 1681c-2. Transunion has violated my consumer rights by not removing the specified information which was a result of identity theft. They received this information on XX/XX/XXXX and only today did they acknowledge they received it claiming that my HAND WRITTEN AND FINGER PRINTED document was a " third party '' so they won't investigate the identity theft. 

Upon calling the first time today, a man told me they'll get the information right off for me as soon as he transfers me. Once he transferred me, the woman told me that " It was deemed to be a third party ''. I asked her how they did that when it's my own handwriting with signature and fingerprint? She said she can't disclose that information. 

I called back and this time got a woman who claimed and insisted that they never received any kind of mail from me. Only after I recited my certified mail return receipt tracking number did she seemed to be rattled for a moment before saying she's transferring me to a supervisor. 

The supervisor told me that they deemed it to be a third party and that they won't investigate it. 

This is ridiculous. 

Please see the attached documents for proof of the letter, its delivery date, and an example of how XXXX perfectly removed the specified information unlike Transunion is doing.

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 2022-03-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

Complaint:
Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by Equifax and the XXXX data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Complaint:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my student loan ( DPT EDXXXX ) . The status is reporting late. I find that strange since I don't recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?

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 2019-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

Complaint:
On XX/XX/2019 a charge was made to my CitiBank credit card ending in XXXX to a company named XXXX. I did not make this charge nor authorize the purchase. I was unaware of this purchase until I received a statement the following billing cycle and my card has a significant change in the balance. I disputed this charge on XXXX XXXX and was credited the amount of the purchase of {$2100.00} as the dispute department agreed with me that the purchase was clearly fraudulent. On my XXXX statement I received a chargeback stating that the paperwork they sent me was never returned. I have proof that the email was sent and CC 'd to myself on XX/XX/2019 when I received it. The documents they provided me from the seller confirmed my suspicions of fraud. The items in question were shipped to another name, email address and phone number other than mine. The package was sent to a second-floor apartment at my address but never received by anyone there as I inhabit both units. The seller admits that the information did not match the credit card and knew the email was not working but decided to ship it anyways. The package was allegedly signed for however there is no signature on file from the shipper and the name captured was not mine and I live alone so there is no possibility of another resident of my home signing. I contacted to check the status the week of XX/XX/2019 to check on the status of the dispute. I was once again assured I would not be responsible for the charges as they were indeed fraud. It was explained to me that they would certainly decide in my favor and would not be responsible for the obviously fraudulent charges. I was told tomato no payments until they made a decision as the only balance on the account was that of this chargeback and the interest incurred. I still have yet to hear back from CitiBank and at this point they are now threatening to send me to collections for the balance. Attached you will find the paperwork that Citibank sent me, and I returned as they instructed. I have taken the liberty to highlight the inconsistencies and errors in the billing paperwork and shipping documents.

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 monetary relief
Consumer complaint received 2022-03-23
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: U.S. Auto Credit Corporation (GA)

Complaint:
This companyis garnishing my paycheck. I was never served with any paper work of the lawsuit and this suit was filed after the statue of limitation. This XXXX was repossesed XX/XX/XXXX I only found out about the garnishment through my job advising me on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
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. (LA)

Complaint:
EQUIFAX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

ADDRESSES REPORTED : XXXX XXXX XXXX XXXX XXXX, LA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) XXXX XXXX XXXX XXXX, CA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Original creditor name : XXXX XXXX XXXX ( Reason for investigation : Inaccurate Information, Please Un-verify & delete this information )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
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: EQUIFAX, INC. (FL)

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
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. (AL)

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.

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 2022-05-06
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: EQUIFAX, INC. (TX)

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: COOLEY ENTERPRISES INC (NE)

Complaint:
The credit bureau is reporting a closed account with Clay Cooley Motor Company that is over 7 years old.

Company response to consumer: Untimely response
Consumer complaint received 2023-06-23
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: TRUIST FINANCIAL CORPORATION (WI)

Complaint:
I received a credit alert that my credit was pulled. I noticed credit inquiries that I did not authorize, made by the following companies : 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 XXXXXX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2022-11-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

Complaint:
I sent a letter out on XX/XX/2022 to XXXX, XXXX, and Experian. However, its been more than 30 days and the credit bureau failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. Code 1681i Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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