hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-03-25
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. (VA)

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureau to validate this account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous account that needs to be investigated and corrected : CHILD SPRT XXXX Balance Owed : {$29000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
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: CITIBANK, N.A. (MA)

Complaint:
My Identity was stolen in two-three data breaches and has been used open credit cards. I signed up for credit monitoring that was offered because of the breaches. When reviewing my credit reports there were credit cards from CITI bank that were opened due to identity theft. I notified CITI. Made a police report. Added a fraud alert on my credit reports. I sent Citi bank documentation multiple times via certified mail which has been received and the signature card returned to me that validates I am a victim of Identity theft. 

Citi bank as of today XX/XX/2022 which is over a year I have been trying to correct this horrible act has not removed the accounts that were opened in my name with my social security number from my credit report. I have called CITI numerous times with no resolution and I am brushed off. I have requested documentation pertaining to the accounts listed on my credit report multiple times. Finally, I received documentation from CITI bank that also validates the accounts on my credit report that CITI is reporting as in default and charged off are not my accounts and CITI continues to report negative information to all three credit agencies. 


The paperwork that I received from CITI bank allowed the use of my identity that was stolen to open credit cards and commit this horrible act that is causing my credit and health to be abused because Citi bank continues to report negative information to all three credit bureaus. Attaching are documentation I received from CITI bank that verifies that my identity was stolen. The papers I received from Citi bank were two packets in one envelope one packet has a top # XXXX have multiple credit accounts attached. The next packet is labeled # XXXX. I have attached the police report that confirms that this has been reported to the police department. All the attached documents have been sent multiple times to CITI bank and they continue to disregard that I am a victim of identity theft.Citi Bank has tarnished my credit and this needs to be addressed now and corrected.

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 2016-08-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (OK)

Complaint:
Disputed twice with XXXX. This debt does not belong to me. XXXX keeps sending debt to various collection agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-27
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 (CA)

Complaint:
Someone had tried opening a credit card with multiple banks in my name. I contacted Capital One to which they said they will do an investigation. An investigation concluded and a letter was send. The letter said ( paraphrasing here ) that the attempt to open up the credit card was fraudulent and that they would inform all 3 credit bureaus. The letter I received is in the ATTACHED document section. 

Unfortunately, XXXX  has told me that they never received anything from Capital one and that they would need an electronic message sent over to them in order for XXXX  to remove the inquiry off of my account. Around 3 and a half weeks ago or so I sent a letter to Capital One, asking them to ELECTRONICALLY resend the original letter that was sent over to me in XXXX to XXXX. I have not received anything yet from Capital One confirming that they have sent anything out or that they even received my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
I went to Bank of America in XXXX XXXX, CA ( my primary bank at XX/XX/22 at XXXX PST ) to open an estate checking account for my recently passed mother. Note : My mother passed away in the state of Georgia. I am the Executor/Administrator of my mother 's estate and a California resident ... I came to my appointment at Bank of America with all the paperwork needed to open a checking account ( including a death certificate ). I was told they would not be able to open the checking account in California due to company policy and that I would need to travel to the state of Georgia ( where my mother passed ) to open the account with Bank of America ; there are no legal requirements for this. This is classism and a massive accessibility issue for people with disabilities, already suffering great loss.

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 2015-07-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Advanced Collection Bureau, Inc. (FL)

Complaint:
I have never received a bill from the original creditor and do n't know why I owe this much money. I sent a letter to the collection agency to get information about this debt including the last billing statement that shows why they believe I owe this money. I did n't hear anything back from the collection agency so I called them earlier this month. I was told that they will not send out anything to me and asked me to pay the full amount. I do not want to pay anything if I 'm not given proper documentation as to why I am paying it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2018-03-30
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: RevMD Partners, LLC. (SC)

Complaint:
In XX/XX/XXXX XXXX XXXX XXXX  ( XXXX  ) charged me for services connected to the care of my minor child. The charges were incurred due to inadequacies on the part of XXXX. Specifically, my child had XXXX, and the charges for the XXXX  are a " global rate '' to include a required XXXX follow up office visit. These rates are contracted rates between the service provider and the insurance carrier, but there are timeframes in which the service provider is to arrange the follow up visit. XXXX  intentionally pushed our follow up appointment outside of the scope of that timeframe, citing that due to the XXXX XXXX holiday, various doctors were going to be out of the office, and that they needed to push us to their next available appointment time. I explicitly discussed with them at the time the appointment was set, that I would accept the later appointment time, with the understanding that we would not be pursued for any financial difference beyond our obligations connected to the XXXXXXXX XXXX global rate. The appointment occurred, we carried on as normal, and for nearly two years since it has been a battle over a lousy co-pay for that follow-up office visit. They were paid for the visit by the insurance outside the global rate, however they are still trying to collect the copay from me despite that I explicitly addressed this issue before it even occurred. Without substantiating my dispute claims, they then turned the account over to collection agency " Rev MD Partners '' who has contacted me on repeat occasions " in attempt to collect the debt ''. I formally disputed the debt with them in writing on XX/XX/XXXX and have not been provided any further substantiation of the debt, yet they have reached out to me by mail and by phone with continued efforts to collect. Each time I have addressed the situation, and each time I am met with assurances that they do show the balance in their system to be disputed and that no further collection action will be taken - but that ultimately results in a subsequent phone call, or letter, to which I proactively call them to discuss said letter. The debt has never been substantiated subject to the nature of my dispute. By REV MD 's own admission ( recorded phone call ), XXXX has not responded to their efforts to contact THEM related to my dispute. Under the FTC guidelines and Fair Debt Collection Practices Act, no further collections contacts or actions can occur until this happens. I am unfamiliar if there is a timeframe at which point a dispute must be validated for lack of response from the creditor - but I do know that it is inappropriate for me to have to keep investing hours and hours out of my own day ( during my working hours while they're open ), to tend to this ongoing unresolved issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NM)

Complaint:
Hello, I sent XXXX, XXXX, and XXXX letters asking them to investigate and verify my debt on my credit report just to make sure the names, amounts, dates and everything else involved with the accounts were accurate. I have received the credit bureaus responses and uploaded them to this case. They have stated that everything is verified and correct, and validated correctly, however, my credit report is still showing inaccuracies and inconsistencies. I have highlighted all of the inaccuracies by circling the account name and underlining the inaccuracies and inconsistencies in RED pen. You will be able to see my credit report from before and after their updated reports to show as proof that it is still showing inconsistencies and inaccuracies. In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681s- ( A ) ( 1 ), the following accounts have violated my rights, which states that " 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. " : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
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: EQUIFAX, INC. (FL)

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
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:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on Equifax for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Complaint:
The Credit Companies are not complying with their own policies in a timely manner!

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 2019-09-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (OH)

Complaint:
To Whom It May Concern, The reason for my dispute is PHOENIX FINANCIAL SERVICE # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, PHOENIX FINANCIAL SERVICE failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) PHOENIX FINANCIAL SERVICE failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violationPHOENIX FINANCIAL SERVICE is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where PHOENIX FINANCIAL SERVICE is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.PHOENIX FINANCIAL SERVICE has not even tried to contact me regarding this Fraudulent collection account.  Please have them remove this collection account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
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: Experian Information Solutions Inc. (PA)

Complaint:
As Previously explained I have a charge off account for XXXX XXXX XXXX that doesnt belong to me for an amount of {$1000.00}. Another account Im being held responsible for due to 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 2023-06-12
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: EQUIFAX, INC. (AZ)

Complaint:
I recently discovered that a credit card account was opened under my name without my authorization, and I believe I have become a victim of identity theft. 

The unauthorized credit card account was opened on XX/XX/2019 and I have attached any supporting documents I possess to substantiate my claim. The account details, including the card number, account holder 's name, and any other relevant information, were obtained fraudulently. As a victim of this crime, I am deeply concerned about the potential negative impact on my credit history and overall financial well-being. 

I have taken immediate steps to mitigate the damages caused by this incident. Firstly, I have contacted the credit reporting agencies, namely Equifax, XXXX, and XXXX, to place a fraud alert on my credit report. 

I kindly request your full cooperation and support in investigating this matter promptly. I would appreciate if you could initiate an immediate investigation into the unauthorized credit card account opened in my name. I understand that it might take some time to resolve this issue completely, but I trust in your expertise and commitment to ensuring a fair and just resolution. 

I am prepared to provide any further documentation or evidence that may aid in your investigation. Please inform me of any additional information or steps required from my end to proceed with the resolution process effectively. 

Furthermore, I kindly request that you remove the unauthorized credit card account immediately to prevent further fraudulent activity and to protect both myself and your institution from any financial liabilities associated with this incident. 

I emphasize the urgency of addressing this matter promptly, as the longer it remains unresolved, the greater the potential harm to my personal and financial well-being. I am hopeful that, with your assistance and expertise, we can swiftly resolve this case and ensure that justice is served.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Complaint:
There is an address on my account that does not belong 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 2017-09-09
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. (CA)

Complaint:
Equifax mishandled my personal credit information. I was affected by the recent Equifax security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
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. (CA)

Complaint:
I sent this company my dispute letter on XX/XX/XXXX. The letter i sent them explained in detail all derogatory accounts that needed deletion/removal from my credit file and why? I attached with it all the relevant documentation as evidence/proof of what I was disputing. 
But to my surprise, This company continued to report all the derogatory accounts without even investigating my claims. This letter is a written proof of my intention to find a resolution with this company without filing a lawsuit. As a result, I am ready to file suit if this company still continues to report this erroneous accounts. For yet another time, the following accounts are erroneous : XXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$570000.00} XXXX ACC XXXX - Date Opened XX/XX/XXXX, Highest Balance {$31000.00} XXXX XXXX XXXX ACC XXXX- Date Opened XX/XX/XXXX, Balance {$12000.00} XXXX XXXX   XXXX ACC XXXX- Date Opened XX/XX/XXXX, Balance {$14000.00} XXXX XXXX XXXX ACC XXXXDate Opened XX/XX/XXXX, Balance {$7200.00} XXXX XXXX  XXXX ACC XXXX- Date Opened XX/XX/XXXX, Balance {$13000.00} XXXX XXXX XXXX ACC XXXX , Date Opened XX/XX/XXXX, Balance {$2400.00} I have Attached herewith the dispute letter I sent to this company on 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 explanation
Consumer complaint received 2020-03-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Gurstel Law Firm, P.C. (UT)

Complaint:
I was sent a letter from Gurstel Law offices in MN  and they said they were acting on behalf of XXXX XXXX XXXXXXXX and attempting to collect a debt. They served me a Summons and said that I was being sued because of this debt. They would not answer any of my calls or emails. This information was put in the letter head for me to contact them however after several attempts I never was able to speak with anyone. I was asking for proof that this debt and as stated " Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account ''. This information was never provided. I was in the middle of closing on the sale of my home and they entered in a Judgment and I was not able to close the home without this judgment being paid from proceeds of the home sale. They took that money and have not communicated with me regarding this account with XXXX XXXX XXXX. They never reached out to me in any way. They have a fraudulent account according to law if they can not bring to me a physical, signed copy of my agreement.

Company response to consumer: Closed with explanation