hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-06-16
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: Amsher Collection Services, Inc. (NY)

Complaint:
In accordance with the Fair Credit Report Act XXXX Account : AMSHER COLLECTION SE, 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 an account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Complaint:
I Reached out to the creditor to have the fraudulent inquiries removed I have never inquired there services, and never authorized anyone to use any of my personal information to obtain any line of credit and they notified me that the information was sent over to the credit bureaus to be removed and its been well over 60 days and I have yet to receive and update for removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Complaint:
I recieved a notice for a collection of debt from the XXXX XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX, I called them directly disputing the charges in the amount of {$1900.00} and requested to receive an itemized list of the charges to compare to my inspection that I received from XXXX XXXX XXXX XXXX. At the time I was on housing and its required in order to leave a property the complex has to sign off on a intent to move notice, which I received on XX/XX/XXXX and told them i was planning to move by XX/XX/XXXX because of the 30 day notice rule there, and the housing authority has to complete a full inspection of the unit to ensure the property was not damaged from the tenant on XX/XX/XXXX, which in this case is myself. I was told by XXXX on XX/XX/XXXX who answered my call to the law office that she was going to mail out my documents requested and that I should receive them in 7-10 bs days at the most. On XX/XX/XXXX I only received a copy of my old lease from XXXX XXXX XXXX verifying that I paid a {$300.00} deposit, that's it! NOTHING VALIDATING THE CHARGES AGAINST ME as proof. Till this day I never received the charges I asked for, so I contacted the bureaus to initiate the dispute process because the debt was reported 6 times, 2 times with each reporting agency. I received notification from XXXX  of the removal and with XXXX  they removed the debt from {$1900.00} to {$1700.00} and at that point Equifax and XXXX requested my inspection proof and all supporting documents which I provided XX/XX/XXXX. I never once received written notification from these 2 agencies of a reinsertion even though they discovered initial inaccuracies to update the debt to {$1700.00} in XXXX. I am currently in the process of paying off alot of stuff so my credit monitor company questioned me about the change because no notification otherwise had ever been received. This is clearly fraud reporting one debt amount twice on each trade line, then to report the wrong amount without a response from the debt collector from XX/XX/XXXX, then to decrease the debt voluntarily, then to just not send me reinsertion notifications at all? How is this legal, I dont feel this is right to me to wait 6 months where I am only obligated by law to wait for the proof within a 30 day time period with written notice that of course I never recieved. Now when I call XXXX they auto decline my calls so I have to call using a random social that I just type in and have also blocked me from using any online method of use through their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
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. (CA)

Complaint:
I requested my credit reports through XXXX, and Equifax displayed a full credit report for someone else, " XXXX XXXX '' of XXXX, CA. The report displays the last four digits of my social security number, and " XXXX '' and I have the same birth year and appear to live in the same state, but otherwise we couldn't be more different. I am not sure what's going on, but assuming " XXXX '' is innocent in all of this, this is a HUGE invasion of his privacy ( which I think he should know about ), and I'm concerned my file is being mixed up with this stranger 's. 

I attempted to file a complaint in Equifax 's system right away, but I couldn't submit because answering the security questions honestly didn't work ( because the questions were for " XXXX '', and we are not the same person! ) and my only other immediate option was to file a line-by-line dispute which is irrelevant to me because the whole report isn't mine or submit a statement that'd be displayed in his file, which is obviously not the right option.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Uber Technologies Inc. (NM)

Complaint:
I was incorrectly charged {$230.00}. The correct charge is {$6.00}. Uber agrees this is the correct charge, but because they had trouble issuing the refund to my credit charge, Uber has issued an Uber credit instead. Uber credits are unacceptable. I am being defrauded out of cash in the amount of {$220.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (CO)

Complaint:
I called Nelnet to request a lower payment option. They told me that I was not eligible as my husband and I combined made too much money. They told me I could do a forebearance, or file my taxes separately from my husband for 2016 and then they could get me a lower payment. This is just ridiculous to me. I am paying the loans, on time, every month, and I 'm paying extra on them when I can. And all of that means nothing to them because they want me on the hook for the loans longer so they can make more money in interest. It 's not a good or ethical business practice. At all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (TX)

Complaint:
I received a letter from Midland credit management company XX/XX/2019 with a threat to forward my debt to a lawyer. If I did not pay XXXX I repeatedly get phone calls from this company. I have never opened an account with this company. I have never signed a contract or opened credit with them. I am currently working on a credit valatiion letter and a cease to contact. They continually call. I want them off my credit reports as well. Companies should not have so much power to try and scare you into paying them. Everyone has problems in their life. Making threats to sue or jail seizing property is ridiculousle Than you for your help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Debt Collectors International, Inc. (FL)

Complaint:
On XXXX My business Partner notified me that his brother received a phone call from a DCI representative. He forwarded me the message and I called them immediately. In the message they said to contact them immediately or there would basically be legal consequence. As I called them back, they stated the same. They said we owed {$2000.00} dollars to a XXXX XXXX XXXX XXXX or XXXX XXXX. I have never done business with this entity ( s ), and we do not owe any monies to anyone. We are a debt free company. I have requested the data sent to me in e-mail and have not yet received such data. The website seems legitimate, but I believe they are trying to fraud people out of fear with impending legal action. Can someone take a look into this. The man was ridiculously unprofessional and very threatening. Threatened to call the state on my licenses if I didn't comply. Is this company even registered? 

https : //www.dciclaims.com/ Debt Collectors International , Inc . 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Phone XXXX Fax XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Exeter Finance Corp. (FL)

Complaint:
Exeter failed to provide a written disclosure of the annual percentage rate, finance charge, monthly payment, and all other required disclosures under the Truth in Lending Act prior to obtaining my signature. The terms of agreement were not clear and concise. Exeter sent a copy of a contract not signed by me ( forged signature ) which does not align with the original document I signed. ( I have uploaded both copies ) Exeter has also failed to provide me a written notice explaining why I received less favorable lending terms. They have also failed to respond to previous notice of Dispute Billing Error and Notice of Default Opportunity to Cure. Also has violated my request to cease and desist and to only send correspondence to the address I provided during dispute by sending an individual who refused to identify himself in an attempt to repossess my vehicle. They are also incorrectly and illegally reporting inaccurate information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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  This 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 2021-03-01
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:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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: EQUIFAX, INC. (CA)

Complaint:
I am writing to express my serious concern about the multiple violations that I have noticed on my consumer credit report, which have been caused by your agency. As per my understanding of FCRA 15 U.S. Code 1681n. I am entitled to monetary compensation for the damages caused by these violations. 

Upon reviewing my credit report, I noticed that your agency has furnished reports in connection with credit or insurance transactions that were not initlated by me. According to the FCRA, this can only be done if I have given you authorization to do so. Since I have not authorized any such transactions, it is clear that your agency is in violation of the law. 

I have already contacted the creditor who is reporting this information and waittng on their agreement to delete the information from my credit report. However, I would like to ensure that your agency also removes this inaccurate information from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
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. (CA)

Complaint:
There is a negative item on my credit report from XXXX XXXX XXXX. I have no record of the account which was from 2003 and neither does XXXX XXXX XXXX. I have called them several times over the last two month and have been told that they do n't have anything listed under my social security number. I also opened an investigation with all three credit bureaus and Experian will not take it off of my report despite the fact that I submitted a written request detailing the issue.

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 2017-06-19
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. (MO)

Complaint:
I 've been trying to resolve multiple negative student loan accounts on my credit report. The Credit Bureau ( XXXX XXXX, Transunion ) are neglecting to verify/validate the accounts properly to determine which ones are duplicates or original. Due to poor and lack of investigation and communication I 'm requesting that all of the closed student accounts be removed. I have one student loan account and the negative accounts that are showing as paid off are hurting my scores. Also, there is a collection agency called XXXX XXXX account that 's showing on all three bureaus that has n't been removed after failure to validate the debt.

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 2023-06-14
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: Experian Information Solutions Inc. (NJ)

Complaint:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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 2023-03-21
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: Experian Information Solutions Inc. (SC)

Complaint:
On XX/XX/23 a hard inquiry appeared on my Experian credit report in the name of XXXX. I called Experian. They bounced me from agent to agent and then finally told me to call the phone number associated with XXXX  showing on my credit report. I called the number and the system demanded my account number or social security number just to speak with someone. There was no option to report fraud or any option to speak with a human w/o entering my social security number. I finally got through to an agent who simply told me I had no account and that I needed to contact Experian to have the hard inquiry removed. Below is the contact information that appeared on my credit report. 
Contact info Address XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX Phone number ( 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 2022-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

Complaint:
I have no clue where The charge came from. Upon further investigation that I did myself The bank told me that the charge was made in XXXX  which is on the other side of the United States from where I was at and reside when the charger was made ( I live in XXXX ) I filed a dispute with my bank and they told me that they were denying my claim due to the fact that I had possession of my debit card and I memorized my pin. When I looked into this matter further the bank told me that the card was not swiped it's not swiped but it was a charge that was taken over the Internet for the Internet and that the pin was not entered or even used during this transaction because it was an online matter so there grounds that they are denying my claim upon are not even relevant. A few days prior to this happening I had lost my wallet in a XXXX XXXX XXXX but it was returned to me so there was a period of time when I did not have possession of my my debit card and I notified my bank of this during theDispute

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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. (TX)

Complaint:
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  I am complaining about my mortgage not showing on my husbands and my credit report with Experian credit agency. 
Our original mortgage was with XXXX XXXX XXXX. The mortgage was transferred to XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XXXX XXXX XXXX 
I emailed and called XXXX on XX/XX/XXXX regarding, the mortgage not showing up on our credit report and was told the mortgage is being reported to the credit agencies. I was told by the representative that Ill need to contact the credit agencies to find out why the mortgage is not listed on our report. 
I called Experian on XX/XX/XXXX at XXXX XXXX  using the number, XXXX regarding this issue. I spoke to XXXX in the Customer Service department. He transferred me to XXXX in the Dispute department. XXXX stated, the membership department should be able to update my file and he transferred me to XXXX in the membership department. XXXX stated that my mortgage will not show up on my credit report. I asked to speak to a manager. I spoke to XXXX and he stated that he can not make any updates to my credit report, only the dispute department can do that. I told him I talked to the dispute department and was told the membership department can only make the change. 
I decided to make a complaint, because I have tried to get this resolved since XX/XX/XXXX. Our credit file does not show we have a mortgage listed on it and my husband and I pay our mortgage on time every month and we deserve to get credit for it. 
I look forward to your response to my compliant. You can contact me via phone XXXX or email address : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19
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: HW Holding, Inc (MI)

Complaint:
I was a victim of the XXXX inquires issue, as well as I have another problem. XXXX ran my credit way more times then was approved by me to do so, it was no approved by me to be ran that many times. 
The banks being XXXX XXXX, XXXX XXXX and XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. I want the inquires removed

Company response to consumer: Closed with explanation