hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2018-07-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Creditor's Collection Service, Inc. (OK)

Complaint:
This company ( or people involved ) have been calling me for months with no caller ID so it can not be blocked. They leave a automated voicemail every single time with a number to call back, the number is XXXX and they do not mention any specific name as to who they are looking for. 
I called back the number once, The line was tossed around it sounded like and it went again to another automated machine and I ultimately had to hang up. 
I do not owe any debts and my credit report states that. 
Upon searching XXXX for the number I came across a swarm of people reporting the same exact thing but some have actually got in contact with a human being on the other end and they reported saying they were demanding money from an outstanding debt from many years prior and the person had never had a debt from that company. I want these calls to stop, I thought maybe theyd call a few times and then stop but they have been calling every other day at random times for months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Everest Receivable Services Inc. (NJ)

Complaint:
First and foremost the person who called me was very rude and did not let me even speak. He was giving me attitude and was n't very informative nor was he professional. I was late for work and asked him if he was able to contact me at a different time, he refused to do so and demanded I speak to him despite the fact of me missing my train. They were not able to provide what it was actually about. Also the gentleman asked me to verify my last XXXX digits of my social security number, I refused because at the time he had n't even told me where he was calling from or what it was regarding! He had n't advised me that they were trying to collect a debt, or anything just kept on demanding that I provide me the last XXXX digits to my social. He then proceeded by telling me that he had my social security number in front of him and then continued by reciting my 1st XXXX digits of my social security number! I was appalled and shocked that he would do something like that. That was my personal information he was sharing out, what if it had not been me? They continuously harass my boyfriend, which I do not even know how they obtained his number seeing how I did n't even know that he existed at the time they claim the date was. They stated that they use a " very powerful search engine ''. If so then how come no bill was sent to my correct address or how come they did not call MY number? I was APALLED at how I was spoken to. I then proceeded to try and get as much information as possible, leaving me to still scratch my head. My boyfriend was harassed, my personal information was given to me over the phone before verifying it was even me, I was spoken to horribly, Not enough information was given.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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. (IL)

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
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. (MI)

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2022-09-22
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. (GA)

Complaint:
This is 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my files coming about because of the wrongdoing. The items 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (FL)

Complaint:
Since filing my original complaint with CFPB # XXXX In which COMMONWEALTH FINANCIAL SYSTEMS AGREED TO DELETE A DISPUTED CLAIM, they simply deleted original claim & refiled same claim changing the dates & omitting the name of the alleged hospital. I am now disputing that claim. Since filing, I 've seemed to have became a target of their wrath, today I received XXXX additional claims in total XXXX open claims. 
CFSI ACCOUNT NUMBERS XXXX, XXXX, XXXX In addition to filing a complaint with CFPB after the second filing of original claim, I have lodged a complaint with the State of Florida Department of Financial Responsibility ( Florida 's department that handles Fair Debt Collection Act complaints. 
Since Commonwealth simply changed dates & refiled same complaint with CRA 's I believe they are committing FRAUD & view their company as disreputable. Am requesting that the CFPB investigate Commonwealth & help myself & other victims of their activities. uploading all the information @ this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
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: EQUIFAX, INC. (AZ)

Complaint:
I applied with each of the credit bureaus to put a credit freeze/consumer protection freeze on each of my XXXX ( XXXX ) minor children 's social security numbers. My children are ages XXXX, XXXX and XXXX. 

I received from Equifax a confirmation that my XXXX year-old had a credit freeze placed and they provided me with a PIN number that I would need to unfreeze her credit file. 

I received from Equifax a brief letter for the XXXX year old and the XXXX year old that a credit freeze had been placed on their files and that a PIN number would be sent in a separate mailing. I never received this mailing. 

When I called Equifax to investigate, they told me the following : 1. They do not issue PIN numbers for credit freeze for a minor ( even though I have letters to the contrary dated within the past week ) 2. The only file they have is for the XXXX year old and on her file is the information provided for the XXXX year old and the XXXX year old ( that is, all XXXX children 's documents were uploaded to one account ) 3. There are no files created for the XXXX year old and the XXXX year old ( despite the letters I received to the contrary ) My fears are that : 1. Private information for the XXXX year old and XXXX year old are on another person 's account 2. There are now issues freezing or unfreezing credit for the XXXX year old and the XXXX year old. 

I started this process after the credit breach this year to protect my children and now I feel like I've created a mess. 

I have also been unable to communicate with XXXX - There is no way to speak to a human on the phone. There is no office to visit. There is no email with which to communicate with them. I received one letter from XXXX with confirmation of a freeze and PIN number for the XXXX year old but not the XXXX year old or XXXX year old so I have no idea what happened to the younger children 's information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
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: ENCORE CAPITAL GROUP INC. (ME)

Complaint:
I am a XXXX in the XXXX XXXX since XXXX. I have provided XXXX and Midland Credit with my ID 's showing I have been in XXXX and XXXX since XXXX with a permanent address in Maine. 

Midland Credit keeps reposting this bad credit, discovered during my security clearance check in XXXX. 

I am in jeopardy of losing my clearance and my job as a result of this incorrect posting if a charged off account that was never my account. I have nothing to do with the account which was opened by a third party. 

Please find my ID 's again showing I am here in XXXX now, since XXXX, and XXXX before that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : BANK OF AMERICA XX/XX/2020 2020

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 2022-11-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Complaint:
I disputed accounts and the the accounts came back as verified. When I tried to dispute the information again due to it being correct I was informed that I could not dispute it because it had been verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2015-08-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (IN)

Complaint:
I get a phone call on my cell phone, almost every other day, from XXXX. My phone only rings once. I 've Googled the number and learned that they are a a debt collector. I have no outstanding debt. I have a credit score of XXXX. 
The XXXX call began XXXX XXXX, 2015. 
I want the calls stopped and any assistance you can provide would be very much appreciated. 
Sincerely, Frustrated

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Complaint:
My ONLY NAME AND ADDRESS ARE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX MY ONLY JOB IS : XXXX XXXX PLEASE DELETE ALL OTHER ADDRESSES AND JOBS AS THEY DO NOT BELONG TO ME. 

I HAVE ASKED NUMEROUS TIMES TO NO RESOLVE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AL)

Complaint:
I opened a Lowes store card around XXXXXX/XX/April2018. When I used the card I accepted the promotion no intrest for 24 months along with military discount. I called in in XX/XX/2018 to have the due date changed from the XX/XX/XXXX to the XX/XX/XXXXand to have the credit card security removed only to later find out that the due date was never submitted and the security was not removed. I didnt think to check behind the representative the following month because she said it had been completed. Only to speak with another representative today to find out Im still being charged an interest fee and a security fee. I also requested to close the card and the representative refused to close the card and insisted I pay the card off first and call back at a later time to speak with someone at the security department.

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 2020-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NJ)

Complaint:
I currently have in collection of debt through a company called LVNV through an original creditor XXXX  XXXX XXXX. It states on my credit report that I opened this account XX/XX/XXXX of XXXX. This information is incorrect I opened an account with XXXX  XXXX XXXX  almost 7 years ago in XX/XX/XXXX I closed the account in XX/XX/XXXX which I paid satisfactory every single month and willingly closed the account myself. This company has never mailed me any piece of mail stating I owe them anything. I know I closed my credit one account almost 7 years ago. This is unfair reporting and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

Complaint:
I contacted Midland Funding to confirm the amount that was charged off, as I believe that is incorrect. I never got confirmation on verification of debt from the letter that I mailed off via certified mail through USPS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17
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. (CA)

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account has unverified information without providing any proof within the period allowed by law. The account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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. (AL)

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.

The letters are stated with items and issues.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09
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: JPMORGAN CHASE & CO. (CA)

Complaint:
I was charged two transactions on my Amazon chase Visa card in XX/XX/2021. I contacted chase they issued a new credit card. They said they would remove the fraudulent transactions off my bill. I have contacted their fraud department over 20 times. They have conducted 4 investigations and told me I was responsible for one of the fraud transactions. {$1600.00}. I talked to numerous managers with no help. The charge is still on my card. Interest for over 8 months. I gave them all the evidence they asked for and they still say I owe the money. I have an email from a manager at XXXX stating these 2 transactions on XXXX XXXX were flagged as fraud and never delivered. I sent chase a copy of the email. I also sent them a screenshot of my order history and I have no orders or deliveries on that date. I am up against a wall. I have XXXX kids. I really need help with this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
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: Bread Financial Holdings, Inc. (FL)

Complaint:
I have a credit inquiry on my report from XX/XX/20 from XXXX XXXX. I do not have any accounts with them. I have reached out to them and XXXX to have this resolved but have been unsuccessful. I did NOT personally guarantee any account or credit with them. May, I please have this matter looked into and have proof of any " wet signature '' where I, XXXX XXXX gave authorization to run my credit. Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
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: Resurgent Capital Services L.P. (PA)

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report .It has been well over 30 days and I havent reviewed any investigation results.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC (FL)

Complaint:
I have unauthorized credit checks that have been reported on my account without my knowledge or consent of running an inquiry, I believe I have been a victim of identity theft. 

XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX  ( XXXX XXXX ) FLAGSHIP CREDIT ACCEPTANCE ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) I did not authorize or give permission for this credit pull for any reason.

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