hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-02-09
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Lien Enforcement Inc (CA)

Complaint:
I XXXX XXXX had a car towed that was previously stolen from me. Lien Enforcement INC. took over the Debt owed I put myself on a budget I personally could afford. I missed one payment by 7 days after paying for over a year DURING COVID 19. They tell me I have to pay the full balance because Im 7 days behind. I explain my situation to XXXX XXXX and hes not listening hes telling me I need to pay today or further action will be taken the debt is XXXX around there he tells me to hold on to get in lowered he comes back on the line and says I can pay XXXX to settle it today. If I told him before he put me on hold I dont even have {$500.00} why would he come back on the line with that response. Then 10 20 minutes go by of him telling me I need to go get a personal loan, pull from my 401k plan, I need to get a payday loan he asked me my position at my job he asked me how come no one else can help me pay it. He asked me how do I take care of myself which isnt any of his business he harassed me for 20 minutes about why I cant pay the debt. XXXX XXXX is very disrespectful and has no consideration for people. He asked me what banks have I tried to get a loan for like why is that any of your concern his only job is to collect debt not to harass me or try to force me to pay a debt when I can not. I paid XXXX for the car the tow yard sold it and now I owe XXXX $ for storage etc its really the last thing on my list. I explained I have no job I live with someone else its Covid 19 going on why are they calling harassing people all In personal business that has nothing to do with their job description. They have called me at work and held me up on the phone XX/XX/XXXX which was my last payment made after I repeatedly told them I was working. XXXX XXXX who I spoke to XX/XX/XXXX is the main harasser. He says how can we settle this today after I repeatedly told him either you can take my payment or you can put it on my credit he still kept going. Well I can split up the settlement into two which is over XXXX each after I just told him I dont even have XXXX to give.. its like he was intentionally antagonizing me. Trying to Belittle me as a person, because I cant pay a debt. Without People who owe debt they have no job. So they shouldnt be talking to people the way they do Lien Enforcement INC. Specifically.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Complaint:
I the consumer noticed information that I did not consent to, authorize nor benefit from on my consumer report with TRANSUNIONXXXX XXXX. No consent is identity theft. On XX/XX/XXXX, I called TRANSUNION/XXXX  XXXX and spoke with XXXX XXXX and told the agent that the inquiries being reported on my consumer report is identity theft and I did not give consent to, authorize nor benefit from. I told him that I have mailed them a Identity theft report, an Identity theft affidavit, copies of the law and a letter with my written instructions to remove and block the inaccurate information from my consumer report. He then told me he was unable to remove the information because they stay on my file for 2 years. I told the agent that according to the FCRA 15 USC 1681b ( a ) ( 2 ) consumer credit agencies are to provide a consumer credit report by the written instructions of the consumer to whom it relates. I told the agent that I have a right to privacy and did not benefit nor consent to these credit inquiries. I also told the agent under the FCRA 15 USC 1681 ( a ) ( 4 ) that they have a grave responsibility to be fair, impartial and respect my right to privacy. I also told the agent identity theft under the FCRA 15 USC 1681c-2 that information being reported from identity theft must be removed and blocked from my consumer report. The agent then proceeded to explain that he could not delete the information and can do a dispute. I told the agent that this is my reputation, my character and credit standing that this is bearing on and the agent stated that he would have to open a dispute with for an investigation. I explained that they are the one who is committing identity theft and they are not the middle man but they are responsible and I the consumer have the right to privacy. He said there was nothing that he could do. I explained that I will be filing a CFPB report and he then tried to tell me what not to say in my report however I told him that TRANSUNIONXXXX XXXX is breaking the law and they are liable for all damages and he is contributing to the damage by not removing the inaccurate information being reported on my consumer report. I mailed out all documents certified with return receipt. TRANSUNION has received the documents and I have attached all documents including the signed return receipt showing they received the documents on XX/XX/2021.

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 2017-12-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (PA)

Complaint:
On XXXX XXXX-2017 I spoke with a Repetitive about an allege debt that XXXX XXXX XXXX claims that I am responsible for. I stated that I have know knowledge of this debt and it is a result of identity theft, I then stated that they are in Violation of the Fair Debt Collection Act by not sending me requested original documentation or agreement bearing my signature as validation of this debt as well as the Fair Credit Reporting Act by reporting unverified information to the Credit Bureaus, XXXX XXXX, XXXX and XXXX. and which is a defamation of charterer, that will be included in my Lawsuit with XXXX XXXX XXXX if this matter is not immediately by deleting this unverified debt from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (MS)

Complaint:
Pro Collect XXXX/XXXX/XXXX XXXX XXXX XXXX Apartments These apartments are falsely accusing me of XXXX when I moved nothing was owed an the apartment was clean. I have received calls from pro collect with rude services trying to make me pay a debt I do n't not owe

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Complaint:
Today XX/XX/2019, I received information from TransUnion regarding my dispute that I mailed to TransUnion on XX/XX/2019, showing that they completed an investigation of my disputed items reporting on my credit report. Transunion letter is dated XX/XX/2019, which is impossible for TransUnion to have received my dispute letter via U.S. Postal regular mailing and have completed an investigation. I have been disputing Bankruptcies chapter XXXX and XXXX XXXX, and XXXX reporting on my credit file. My recent dispute, I asked for Method of Verification original documents from the furnisher that has my complete name, social security number, date of birth, and my dated signature. Transunion has failed to provide me with any documentation. I also stated that XXXX XXXX system would not be acceptable. I provided them with US BANKRUPTCY COURT MIDDLE DISTRICT OF TENNESSEE XXXX, TN letter from court. Third party vendors can not be used as verification of an accurate reporting. Per FCRA, TransUnion must provide me original documentation with my name, social security number, dated signature, and date of birth.

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 2022-09-21
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SANTANDER HOLDINGS USA, INC. (NY)

Complaint:
The fair debt collection practice act is intended to secure my right to privacy and my right to privacy has been breached. 

The truth in lending act is intended to protect consumers against abuse and deceit by creditors and i have been abused and deceived. 

The fair credit reporting act is intended to report fairly and equitable to the consumer and i have been abused 15 usc 1681b Santander XXXX XXXX is in violation of 15 USC 1692b ( 5 ) Santander XXXX XXXX is in violation of 15 USC 1692b ( 2 ) Santander XXXX XXXX is in violation of 15 USC 1692e2 ( A ) Santander XXXX XXXX is in violation of 15 USC 1692e ( 4 ) Santander XXXX XXXX is in violation of 15 USC 1692d ( 4 ) Santander XXXX XXXX is in violation of 15 USC 1692 ( 13 ) Santander XXXX XXXX is in violation of 15 USC 1692i ( b ) Santander XXXX XXXX is in violation of 15 USC 1692j ( a ) Santander XXXX XXXX is in violation of 15 USC 1635 ( a ) Santander XXXX XXXX is in violation of 15 USC 1605 ( A ) Santander XXXX XXXX is in violation of 15 USC 1635 ( b ) Santander XXXX XXXX is in violation of 15 USC 1681A ( 2 ) ( I )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Complaint:
onXX/XX/XXXX I noticed my balance in my account was off by XXXX upon calling XXXX number to my bank they informed me that on the XX/XX/XXXX a debit transaction of XXXX from XXXX XXXX  went through and put my account in the negative wich my account was not in the negative from this transaction and the two print outs i have attached should show this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION ()

Complaint:
As an international scholarship student undertaking a XXXX XXXX in Education with XXXX XXXX XXXX, MD, and with the assistance of the University 's International Office, I opened an account with BB and T in XXXX, Maryland in XX/XX/XXXX. When Covid 19 happened, I returned to XXXX in XX/XX/XXXX and finished my XXXX online. 
Truist has taken over BB & T and I have been trying on a constant basis since XX/XX/XXXX to close this account with emails sent to various Truist staff members most of which went unanswered. XXXX XXXX replied to me on XX/XX/XXXX seeking " the branch where the account originated and he would seek the XXXX XXXX to begin the process ''. I replied to this email on XX/XX/XXXX providing the information sought but heard nothing. I also made an appointment online with XXXX XXXX Truist Branch to call me on XX/XX/XXXX but again no call was received. On XX/XX/XXXX, I made 4 different telephone calls to Truist XXXX XXXX XXXX XXXX with my initial conversations on the first 3 calls being terminated by Truist. On the 4th call, I had a long conversation with XXXX however I still have not been successful in getting my account closed and funds remitted to me. Additionally I sought a credit reference from her and this has not been provided either. I have pursued every avenue open to me from XXXX to contact Truist and get matters resolved. I obviously can not go to Maryland to do an in-person closure- all I want is to have my account closed, to have the monies remitted to me here in XXXX and to also have a credit reference provided 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 2022-03-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Complaint:
Capital One Auto Finance claims that I owe them money for a car loan that I never applied for. I have disputed this issue several times. I also asked them to send me verification of this debt. I have not received anything. The address they have on file is not my address. I have never lived at the address they claim to have.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
Hard Inquiries.... I recently bought and paid cash for 2 cars at two different dealerships ; XXXX XXXX and XXXX XXXX. For whatever reason, they still had to do what they called a SOFT credit check which would not disturb my credit rating. These 2 soft credit checks do not appear on my XXXX report, but they do appear as HARD inquiries on my TransUnion report. They should not show on TransUnion and I would like them removed. Please help. Thank you! 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, IL XXXX last 4 digits of SS # : 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 2023-04-13
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: Kimball, Tirey & St. John LLP (CA)

Complaint:
On XX/XX/XXXX and XXXX I wrote two letters. One to Kimball, Tirey. The other to XXXX XXXX. I asked both companies to prove I owe the debt, and prove that they own it. Neither has complied, and they're still reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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. (CA)

Complaint:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX 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 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 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX  XXXX Bankruptcy 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 XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

Complaint:
I have made a request in the prior complaint for Santander Bank to stop sending me bills and other communications about this account as well as having the nerve to send me promotional materials for a new account. The loan in question was discharged in bankruptcy in XXXX and Santander provided information to the credit bureaus on this account being delinquent up to XX/XX/XXXX. I have even received a letter from their attorney affirming the bankruptcy discharge. Although I sent copies of the pages on my credit report in question ( as per their initial request ) they now want me to send them a full copy of each of my credit reports as proof of an administrative error Santander clearly should be able to resolve on their end without me sending these documents. 

As of this date Santander is STILL sending me letters and have even gone as far as sending me a communication suggesting that I am due a " refund '' for an inspection done on the property in XX/XX/XXXX  four years after the property was discharged in bankruptcy and likely at least a year after it was purchased from the bank by a new buyer. I view this " refund '' as a tactic to rope me back in to being indebted to Santander once they realize that the refund was an error. I have already made it known to Santander that I am not interested in receiving any money from them unless it is ordered by a judge.

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 2021-12-07
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. (NC)

Complaint:
On XX/XX/XXXX I pulled an Experian credit report. I found XXXX credit files for car loans on the file from XXXX. I called on the XXXX th of XXXX for explanation as I had only requested XXXX auto loans. The first was opened on XX/XX/XXXX for a XXXX XXXX. This loan was then closed and reported as requested by me. I asked for paperwork that I requested this closure which I did not. The second loan opened on XX/XX/XXXX for the same XXXX XXXX. I have no knowledge of this loan and never requested and such loan. I got no response from XXXX on the phone inquiry. I then sent a certified letter on XX/XX/XXXX to the address supplied by Experian. I recieved this letter back from the postal service on XX/XX/XXXX as undeliverable. I wish the XXXX loans removed from my credit report on all credit services as XXXX has violated the fair credit reporting act and possible forgery of banking 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 explanation
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
In accordance with the Fair Credit Reporting Act, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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.

Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802.

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.

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