hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2019-01-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ideal Collection Services, Inc. (FL)

Complaint:
This is an alleged debt that is over seven years old ( 2010 ). This company has failed to provide proof of this alleged debt. I have previously disputed it and it has been removed from two of the three credit bureaus. However, it is still being reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
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. (NY)

Complaint:
Imma victim of idnrntity theft and they have my extended fraud alert and police report to block these accounts and inquiries and now XXXX   refuses To delete them as they have in the past and Equifax too XXXX   has removed the information that they are reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
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. (GA)

Complaint:
This complaint is continued from my previous complaints. I included the police report I filed because I forgot to list it in the other complaints. listed below are the complaint numbers from cfpb : Complaint # XXXX Complaint # XXXX Complaint # 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 2021-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
To Whom It May Concern : My name is XXXX XXXX. I as alerted from my credit monitoring service that new inquiries were noted on my credit file. So I randomly Transunion credit report and noticed unauthorized inquiries listed on my credit report. I have contacted each company listed and have been given the run around. They have stated that there were no accounts in my name I am responsible for but stated I need to contact the credit bureaus as well. The credit bureaus can only investigate and remove hard inquiries. I have been a victim of identity theft in the past and this really scares me. I want to take any action possible to settle this asap please. I would like the hard inquiries removed. Someone have applied for items in my name and they need to be removed. I have frozen my credit report as well for added protection. According to the Fair Credit Reporting Act, the items must be removed. These are listed on my Transunion Credit Report. The unverified inquires are listed below : XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 I, XXXX XXXX , am giving full authorization for this request and removal of hard inquiries as stated above. The purpose of this request is for the removal of hard inquiries on my credit report as listed : XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XX/XX/2021 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 2023-04-16
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. (SC)

Complaint:
COMPANY XXXX IS REPORTING FRAUDULENT ACCOUNTS ONMY CREDIT REPORT. THIS COMPANY HAS BEEN INVOLVED IN MULTIPLE DATA BREACHES, CIVIL LAWSUITS, AND CLASS ACTION LAWSUITS. THIS COMPANY AGAIN IS REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. PLEASE REMOVE ALL ACCOUNTS AND UNAUTHORIZED INQUIRIES ON 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 2021-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANCO POPULAR DE PUERTO RICO (FL)

Complaint:
I have had numerous problems with Banco Popular. I have a home mortgage with them. They have sent my payments back into my bank account instead of applying them to my loan payments and they ruined my credit score by several hundred. Had to report them for that. Now they have not reported my XXXX/XXXX/XXXX XXXX mortgage payments on my bank account. The incorrect loan amount is on my credit scores and my bank account. I emailed them every day to complain so I have it in writing and no one will fix the problem. This has been going on since XXXX XXXX. They also never send me my monthly statements, I will get one month then not another. I can not believe this bank is so slow to fix a HUGE problem that is effecting my credit scores. I have the credit bureau also looking into this with disputes but still no reponse from this bank. This bank should be fined, put on probation and monitored for a year. I want all my past monthly statements, my loan amount to be up to date EVERY month and to update all credit bureaus monthly for the duration of this loan. If they can not do this then sell my loan to a reputable bank with all the same parameters remaining.

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 2021-04-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

Complaint:
For years 2 debt collectors have been trying to recover a false debt from me. I have checked my credit report multiple times over those years and the debt never appears and my identity has never been compromised. These so called debtors do not have my full correct name, and claim the charge is for purchasing gasoline in Nevada. I live on the East coast and have not owned a car in 20 years. Somehow these companies have my mailing address. The first company that approached me on this was : XXXX XXXX XXXX, XXXX Disputes Department XXXX XXXX XXXX XXXX, XXXX XXXX After sending them a registered letter informing them of all the reasons they have the wrong person, I reported them to the Consumer Financial Protection Bureau. Shortly after I started getting letters to collect the same debt from : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MO XXXX XXXX I sent this company a similar registered letter, telling them if they bought the debt from XXXX XXXX XXXX that I had reported this in 2016 to the Consumer Financial Protection Bureau. XXXX XXXX XXXX via Resurgent Capital Services ( XXXX XXXX XXXX, XXXX, SC XXXX ) recently sent me a lengthy request for proof of my identity theft ( which never happened ) and asked for more information about my identity. This is screaming RED FLAG to me, and I believe these false companies posing as debt collectors are actually the identity thieves. I will not be replying to XXXX XXXX XXXX any further, and instead I am sending this information to the Consumer Financial Protection Bureau hoping they will pursue this false, predatory claim. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Penn Credit Corporation (FL)

Complaint:
I am writing in reference to a collection agency that I recently received two letters from named PennCredit Corporation. I reached out to them to determine the reason for the letters and how they determined the amount of {$230.00} and I was treated so horrible. Every individual I spoke with was outright rude including the managers. 
I was not able to get help with a resolution and was not able to get a valid explanation to how the debt was determined because they all spoke over and would n't listen to me and I even believe I was hung up on. 
They are engaging in unfair collection practices, every person I spoke with was rude and had an attitude and spoke in an intimidating manor. 
They simply were not interested in helping me with a resolution and as such I am wanting to submit a complaint and dispute the validity of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (PA)

Complaint:
I sent a letter on XX/XX/XXXX to remove collection account that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 

XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} Date Opened : XX/XX/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 2023-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc. (KY)

Complaint:
On XX/XX/2023 at approximately XXXX EST I checked my balance in my money lion checking account when I noticed a very low balance I immediately contacted money lion. There were two unauthorized transactions pending totaling XXXX. I informed them I did not use my card to make any purchases on Friday evening except one at the XXXX XXXX near my home in XXXX KY and the purchase amount was for XXXX. They are refusing to return my money and also made them aware at the emergency situation in which I was involved and why I needed my money asap. My grandchildren have been abandoned in XXXX and I needed to drive to XXXX immediately. They have yet to return my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
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. (PA)

Complaint:
All my personal information for all three credit bureaus was not correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX please remove any other variation of my name. I have several addresses that appear that are not mine please delete the following : XXXX XXXX XXXX XXXX APT XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX, OH XXXX These are not my phone numbers or work numbers please delete they do not belong to me : ( 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 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Nelnet, Inc. (TX)

Complaint:
I attempted to purchase a home and was told I had student loan debt. And because of this, I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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:
XXXX, this account was open on XX/XX/2016, this account is older that 7 years old and needs to remove from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
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. (TN)

Complaint:
Equifax has mishandled my information, which has led to a breach that puts myself and millions of others at potential risk. I am profoundly disappointed with how Equifax has handled reporting this breach to me and other consumers. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover news about the breach via social media and word-of-mouth. 

This breach has cost me several hours of time and money to freeze my credit and financial records with four different reporting bureaus, including Equifax, XXXX, XXXX, and XXXX. Furthermore, this breach will continue to cost my time and money for unfreezing reports and possibly disputing any identity theft or fraud as necessary in the future. 

This is an undue burden from Equifax, a company that I have never voluntarily chosen to do business with ; they are merely a vendor of my financial vendors and creditors. 
Please take prompt and decisive action to ensure that I and others are compensated for Equifax negligence and ensure that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (NC)

Complaint:
I financed a car through Wells Fargo Auto loan from XXXX XXXX XXXX XXXX XXXX NC on XX/XX/XXXX. In which I was misled and told my monthly loan bill would be cheaper if I purchased 2 service/product add ons. An additional 2 were added without my knowledge. 

Due to unemployment, I was set up with a deferral program. While I was on program, I decided to cancel extra products I had purchased with vehicle. That turned into a mess/nightmare, I was refunded only {$940.00} of service plan. To me this sounded off. I only had from XXXX to XXXX left to pay on plan, had never used plan. 

So while working 3rd shift as an XXXX XXXX XXXX, I tried to follow up with both Wells Fargo and auto dealer.. From XX/XX/XXXX to XX/XX/XXXX, XXXX I had zero access to my accounts nor received statements. 

On XX/XX/XXXX, I was told by XXXX XXXX that they had no record of my car purchase and could I look for my documents to send. 

On XX/XX/XXXX and XXXX XX/XX/XXXX, I spoke to a Wells Fargo representative explaining I had just paid my rent through XXXX XXXX  which uses Wells Fargo to pay my rent that was behind due to unemployment. I was told don't worry, we can set you up on a deferment plan for next 3 months. This was both in XXXX and XXXX. My XXXX call though I had found out I wasn't set up on a plan. I stayed on the phone for 3 hours, got no sleep before I headed to my XXXX XXXX XXXX XXXX 

Fast forward to XX/XX/XXXX, I found out I was never set up in a program, my car was about to be repossed. I once again, pulled over to side of road, spoke to someone who said they would look into this again, I immediately paid {$600.00}. 

I have received calls every day almost since then with misinformation about my account. I have had no access to my any important documents like my tax records- this is an suv cross that I use for landscaping business as well. 

I was told that my car can be repossessed at anytime due to my unemployment status, even if it's under a 120 days and that my account is restricted so therefore I can't look online and see what my balance is. I was informed signed up for online access- this was without my knowledge as I couldn't access my account. 

I looked over my loan documents and found out I was charge for 2 extra programs/services- 1 in which I actually paid in full /used my debit card and it was still added to loan as an add on financed for 13.3 % ..

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 2022-07-28
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: Medical Data Systems, Inc. (GA)

Complaint:
I was recently made aware of Medical Data Systems violating my consumer reports when I attempted to apply for an extension of credit. I have had no communication with this company, nor did they respond to my Cease & Desist letter that was sent XX/XX/XXXX ( attached ) and addressed directly to the President, XXXX XXXX also to the CFO, XXXX XXXX. These actions are a violation of FDCPA, FCRA, & the FBPA " The Acts ''. The Acts were created to protect consumers from harassment from alleged creditors and debt collectors. I had absolutely no idea that Medical Data Systems had been harming my financial reputation for over a year until I pulled my consumer reports. I have no communication or contract with this company. Nor did I give this company permission to share any information on my consumer report as is required under the FCRA 15 USC 1681b ( a ) ( 2 ). Further, this is harassment as defined under the FDCPA 15 USC 1692d as well as false and misleading information 15 USC 1692e. The FBPA was created to protect consumers from violative business practices. These violations entitle the consumer ( me ) to exemplary damages. As Medical Data Systems has been in business longer than 30 years, there is no excuse for their actions. Further, several court cases support XXXX XXXX XXXX XXXX ( Ignorance of the law excuses not ) All are presumed to know the law. 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 Medical Data Systems never had permission to be on my consumer report. Their actions provide all of the essential elements for a defamation of character lawsuit, emotional damages, and aggravated identity theft.

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 2019-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Complaint:
This account was written off by the original creditor after getting my fraud report & police report information. Portfolio Recovery purchased to of the accounts that where on the reports this company was also provided the same information as well as a certified letter but only removed one of the accounts, And placed one one my credit. I have no contract or debt with either company, I have asked Portfolio Recovery for a Wet contract with them or their client XXXX  XXXX to only be sent a copy of a billing statement with no information which is Not proper validation. Validation is a agreement signed between myself & a creditor. I contacted their client which advised me there is no contract someone opened this account online without authorization so they can't provide a Contract or signature. I request this removed from my credit in no more then 10 days of receiving this request again. This is not my account & printed statements are Not contracts or agreements. As stated by the fdcpa

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (AZ)

Complaint:
There is a collection account on my XXXX and XXXX account from receivables performance. Original creditor was XXXX. Paid XXXX in the amount of {$590.00} and was told this would be removed from my credit report on all bureaus. It is still on both XXXX  and 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 2022-05-13
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. (AL)

Complaint:
In accordance with the Fair Credit Reporting act, the following accounts have violated my rights. 

- XXXX XXXX XXXX account # XXXX -XXXX XXXX account # XXXX -XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX -XXXX XXXX XXXX account XXXX XXXX -XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX 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 has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
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:
The credit bureaus are reporting erroneous information on my credit file and i've been fighting with them for several months.

Company response to consumer: Closed with explanation