hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-06-10
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. (FL)

Complaint:
In accordance to Consumer Fair Act XXXX XXXX XXXX  Account # XXXX, 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 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 2022-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Complaint:
I am writing to you to report on the negative accounts that are wrongly placed under my name. These accounts are unverified and are looking suspicious. I have tried informing the bureaus about them but they did not act on my letter of complaints.

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 2023-04-04
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. (TX)

Complaint:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (FL)

Complaint:
I found out from the credit reporting bureaus XXXX, XXXX and XXXX that there was a negative account under " LVNV Funding LLC " under account number XXXX LVNV Funding LLC has failed to provide any legal validation or a dunning letter in accordance with the Fair Debt Collection Practices Act. I am seeking proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased. I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commission 's guidelines of what constitutes proper debt validation. It has also been re-aged as a new collection to further affect my score. They use Multiple companies. I have sent several letters, including notarized formal validation letters seeking this verification and to this date LVNV Funding LLC Corporation has failed to provide the information requested. I have been told I will be called about multiple time and no call backs from the company. I will seek legal action against this company for the practices if the issue is n't resolved immediately LVNV Funding LLC has not provided me with any evidence to substantiate its claims that this debt is a legitimate debt. Further, there has been neither proof that LVNV Funding LLC has permission to collect this debt, nor have they provided previous verification of this debt. Finally, I have received no information that LVNV Funding LLC currently possesses any documents of this debt. Since this company has failed to provide any evidence of the claims made in their response, I am led to believe that neither LVNV Funding LLC Corporation possesses adequate documentation to collect this alleged debt. In order to provide proof that this is a legitimate debt of over 7 years and they have the right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
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. (GA)

Complaint:
EQUIFAX HAS VIOLATED MY RIGHTS UNDER THE FCRA AND I WANT THESE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT FILE IMMEDIATELY. I HAVE PROVIDED A COPY OF MY IDENTITY THEFT AFFIDAVIT, REQUEST TO BLOCK FRAUDULENT ITEMS, AND A COPY OF MY POLICE REPORT, FILED WITH THE XXXX POLICE DEPARTMENT, AS A VICTIM OF IDENTITY THEFT. THESE FRAUDULENT ACCOUNTS HAVE ALREADY BEEN REMOVED BY XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (SC)

Complaint:
Please read my attached hardship letter for more clarity and details. 
Original Balance : {$27000.00} Disbursement Date : XXXX/XXXX/2004 Balance after capitalization post default was over $ XXXX. 
Current balance 11 years later : {$34000.00} Rate : 9.5 % = Predatory Loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Complaint:
XXXX erased my student loans as requested with all credit bureaus. However, Equifax missed the elimination process. I ask Equifax to reinvestigate the matter and delete the XXXX student loans permanently. 


COMPANY 'S INTERIM RESPONSE The response to your Consumer Financial Protection Bureau inquiry from Pennsylvania XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX /XXXX XXXX is currently under review. Additional research is being performed at this time. You should expect to receive a reply shortly. 
Company responded STATUS Company responded on XX/XX/2021 RESPONSE TYPE Closed with explanation Company 's Response The Office of Consumer Advocacy ( OCA ) at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX performed a review of your account. Please Note : XXXX conducts its student loan servicing operations commercially as XXXX XXXX XXXX and for federally-owned loans as XXXX XXXX. In your inquiry you expressed concern regarding information submitted to the consumer reporting agencies regarding your account. We received and investigated your complaint regarding loans for which you were on record as the endorser. Based on our preliminary investigation, we have submitted to the consumer reporting agencies to remove the loans from your credit report, until we can perform a full investigation once the borrower completes and returns the Fraud Packet that is being sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
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: Bread Financial Holdings, Inc. (GA)

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat u payment on a credit card account under an open end consumer credit plan as late fu purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Radius Global Solutions LLC (FL)

Complaint:
Wednesday,  XXXX   XXXX  at  XXXX  ( cst ) Central Credit Services  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , Florida  XXXX  Phone  XXXX   XXXX  Repeatedly contacted my employer in attempt to contact me with total disregard to the FDCCPA!   The fact that this debt is not valid is irrelevant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (MA)

Complaint:
I applied for the Discover Card to take advantage of a 15 month, 0 % balance transfer and low interest rate for purchases. My application was accepted. I was able to transfer balances from 3 other credit cards from 3 different companies. I started using the Discover card for purchases but started getting denied for transactions. Their fraud protection company reached out to me to inform me that I had to prove who I am, despite my personal bank account being associated to the card and automatic, monthly payments being made. I was told that I had to fill out a form that was sent to my personal email, fill it out and have it notarized. I had it notarized at the bank that was associate with the account and payments. I was informed that they called twice and the notary wasn't available so the form would not be accepted. They provided an option to use a proprietary application of theirs, were I could take photos of my drivers license. I used this several times and although the photos were clear, they would not accept them and told me I only had 2 attempts to use this method. They offered me the option to get the form notarized again, but I was traveling for business and could not get this completed withing the 4 days they required. I was then informed that my account would be closed. I argued the fact that they accepted my application, my bank accounts and other credit card accounts were tied to the account and that I used their methods to prove who I am and those were rejected by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
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. (IN)

Complaint:
I went to the car dealership and applied for a car. I was told my credit was only being pulled by XXXX dealership ( XXXX XXXX XXXX ), however, there are XXXX inquiries I do not recognize and I did not give permission to any of these companies to pull my credit report. There are also credit card inquiries I do not recognize because I never applied to any of the companies listed below. According to the FCRA, hard inquiries that were pulled without my request MUST be removed from my credit report. Please have these unauthorized inquiries removed from my credit report within 10 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. This is my final attempt to resolve this matter before I take legal action. 

XXXX XXXX XXXX XXXX This is not the original dealership ) XXXX  XXXX ( This is not the original dealership ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avadyne Health Holdings, Inc (NC)

Complaint:
A statement is not a validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
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. (TX)

Complaint:
they have me as a XXXX ftc violations ERRORS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. 


all ftc errors

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 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Complaint:
I have requested numerous companies to remove reported accounts with information that are being reported as fraudulent accounts, wrong accounts, closed accounts, inaccurate account information, accounts not belonging to me, wrong dates and amounts, wrong name, wrong personal information, duplicate accounts, accounts that I never entered into a contract with the reporting company, numerous collection agencies that I do not have nor entered a contract with, accounts that have well surpassed the statue of limitations, etc from collection agencies and other companies/agencies that are submitting this information to XXXX, XXXX and XXXX... but they have refused and or denied my request and have not provided any information to me as to how it was investigated..they have not removed the false and erronious information on my credit reports violating provisions outlined in 15 USC 1962, 15 U.S. Code 1681, Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and safeguarded. These requirements are critical as the accuracy of your credit report can affect whether you qualify for a loan and at what interest rate, and the privacy of your information guards against identity theft, a very serious problem today that can ultimately affect your ability to get credit, insurance, or even a job. Credit reporting violations include where your credit report contains information that is inaccurate or incomplete, disputed or outdated. Violations of these statutes require compensation to you for the damages suffered, plus an additional amount up to {$1000.00} per violation, plus punitive damages, attorney fees and court costs, and often more importantly, allow you to correct and protect your credit report in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
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. (FL)

Complaint:
In accordance with the fair credit reporting act convergent accounts listed below has violated my civil rights. List of accounts that need to be removed asap : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Also this address needs to be deleted Ive never lived at this address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (MN)

Complaint:
We are unhappy with the timely resolution of XXXX fraudulently altered checks against our checking account by XXXX XXXX. The first check for {$1400.00} was to the MN Department XXXX XXXX ( payee altered ) and the second check was originally for {$88.00} but the payee and dollar amount were altered to {$8800.00}. As a result, we, as an elderly couple are currently out over {$10000.00}. XXXX XXXX  has all the facts and documentation but continues to drag their feet in paying us our money. Details surrounding each check and our interaction with XXXX XXXX  ( XXXX XXXX XXXX ) and the XXXX XXXX Police Department are below. Highlights include : - We notified XXXX XXXX  of each fraudulently altered check with no follow-up by the bank. No funds still have been received to date even though repeatedly the Bank has indicated we should be receiving the funds shortly. 
- XXXX XXXX  has been aware of checks deposited within the XXXX XXXX XXXX XXXX being altered since XXXX of 2023. 
- The XXXX XXXX Police Department has a full-time detective researching these claims so it is obvious all key parties are aware of the fraud being perpetrated against our community. 
- XXXX Bank was the XXXX  XXXX XXXX XXXX of these checks so we are not clear on what is left to research in order to return our funds especially considered all other facts and their admission to us that it is clear these checks have been altered. 

Fines and penalties are mounting from the MN Department XXXX XXXX and the loss of {$10000.00} is putting a strain on our financial situation as we are on a fixed budget. We understand a provisional credit is not required by the regulations, but how can XXXX XXXX  deny our request as an elderly couple for temporary credit of funds based on all the facts of this fraud?

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 2022-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IL)

Complaint:
This is in reference of a letter claiming I OWE a debt from you all that i do not claim. Also, it was a threat made at the end of the letter that claimed if I do not respond to you all you will tarnish my credit report and report that unidentifiable .From my knowledge you are breaking multiple laws that will be enforced.We do not have any contract formed that you should be contacting me this is invasion of privacy because I do not know who you are and for you to say that I owe you anything being that you are a debt collector is another form of violation containing the FDCPA law .Every violation found is XXXX dollar violation please remove a ; l information yuou have associated with me immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (GA)

Complaint:
Today I received a credit monitoring alert stating that I have a delinquent account with XXXX XXXX ( c/o Resurgent Capital ). I have never had an account with XXXX XXXX nor do I have any account number associated with the reported account number on any of my credit reports. I also never received a debt validation request letter from XXXX XXXX ( c/o Resurgent Capital ) and am disputing the validity of this debt. 
In addition, on XX/XX/2017, I disputed the validity of another purported delinquent account with XXXX XXXX ( c/o Resurgent Capital ) with the Consumer Finance Protection Bureau so XXXX XXXX ( c/o Resurgent Capital ) is well aware of my address however, they intentionally and fraudulently failed to mail me any communication regarding this purported debt prior to reporting it to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Complaint:
On XX/XX/2014, I XXXX XXXX was engaged in a specific extension of credit with Capital One Bank. Capital One would send me statements stating that I owed a debt which included phone calls and emails that stated that this was an attempt to collect a debt and any information would be used for that purpose. This is a violation according to15 U.S. Code 1692d ( 2 ), ( 5 ) - Harassment or abuse. A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. I also submitted and affidavit of truth to Capital One in which they did not respond. Capital One then caused adverse action by closing my account yet requesting me to pay the alleged debt.

Company response to consumer: Closed with explanation