hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2019-12-13
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. (FL)

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX SSN : XXXX XXXX XXXX : XX/XX/XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this  information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

I demand the following accounts be verified or removed 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 2022-03-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (NY)

Complaint:
I have sent several emails anc called and mailed showing Missed payments, and nothing just saying the same count refusing to investigate payment to that are inaccurate and missing years of payment XXXX to XXXX when you call you are told different stories what to believe. This is so frustrating that this is suppose to help us but instead it is a full time job fighting with them to document money you paid. I am tired after 20 plus years of teaching and the last two years of pandemic teaching there has to be a better way

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Complaint:
A " hard '' pull was performed on my individual account by XXXX on XXXX XXXX, XXXX. The address listed for the inquirer is XXXX XXXX XXXX, XXXX, TN XXXX. Phone number : ( XXXX ) XXXX Credit report states that this is from the automotive category. We have not had a auto purchase or inquiry at that time frame.

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 2023-04-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (SC)

Complaint:
The creditor failed to send me notice about the alleged account. I learned of the account via my credit report. The account shows an open date of XX/XX/2023 and an adverse report date of XX/XX/2023. Typically an account goes into collections after 90 days. However this was not the case, because on XX/XX/2023 the account would legally be called a charge off. At that point, the alleged account qualified for collections. The collection agencys illegal practices are damaging my credit. I demand that National Credit Systems remove this account from my file Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
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: Santander Consumer USA Holdings Inc. (SC)

Complaint:
My identity was stolen in 2014 and accounts were obtained as a result of mu identity being stolen. I have contacted the company and informed them that the account did not belong to me yet they refuse to remove the account from my credit file. However the company as acknowledge that the account was opened due to identity theft and has placed a fraud alert concerning this account. they have sent several packets for my to fill out, sign and date, and have notorized as well as send in a police report concerning the identity theft from which I have done.I have disputed this account several times yet they keep responding back to me that it was verified, yes it is being verified under my social security number from which was stolen. hint hint ... .Identity Theft!!!!!

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

Complaint:
In XXXX and XXXX of XXXX, XXXX XXXX XXXX reported one account ( loan  account ending in XXXX ) as a bad discharged debt and another as delinquent to all three credit bureaus. ( see attached ) This information is inaccurate. In XX/XX/XXXX XXXX XXXX XXXX  XXXX removed me from the account that they later reported as a " bad debt ''. They also reported me as delinquent on a credit card account ( XXXX ) that is linked to my XXXX  XXXX XXXX checking account for automatic payments. The checking account has always had sufficient funds and there never should have been a late payment.

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 2020-03-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd. (WA)

Complaint:
I called XXXX XXXX XXXX in XXXX to set up an appointment for some XXXX  symptoms. I was then called back by XXXX nurse who told me I needed to go to the emergency room, despite my belief that I was experiencing XXXX  symptoms. Acting on her orders, I visited XXXX Emergency Room in XXXX. I was checked in, examined, had my XXXX symptoms confirmed. Later I received one $ XXXX bill and another {$800.00} bill. Upon review of my charges, I noticed my visit had been coded as a level 5 ER visit -- the highest level of complexity a visit can be afforded. This is the same level someone is coded as when they go to the ER having a XXXX XXXX, and is the reason the $ XXXX bill is so unreasonably high. 

XXXX has been unwilling to reevaluate the level 5 coding. A simple XXXX XXXX  and some XXXX XXXX   do not merit these exorbitant charges, and could have been performed by my primary care physician, out of the ER ( as I originally intended ). A XXXX XXXX  averages around {$250.00} per XXXX, and XXXX   XXXX should be comparable. 

Because the ER visit was at the direction of a XXXX nurse, and occurred during an XXXX XXXX, I believe I am being taken advantage of and extorted for funds that are unreasonably high.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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. (NV)

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

Complaint:
XXXX # XXXX account errors as follows : 1. payment history for 2 years when there was no payment history past XX/XX/XXXX which was the last payment date. 

2. shows " paying as agreed '' when the account was closed in XX/XX/XXXX. 

3. the fact that there is payment history showing for XXXX that skips XXXX and completely ignores the fact that there has been no activity since XX/XX/XXXX but shows activity for XX/XX/XXXX when the account was closed in XX/XX/XXXX is completely and utter errors of Equifax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
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. (NJ)

Complaint:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TN)

Complaint:
XXXX XXXX XXXX states I owe XXXX $ on a XXXX XXXX contract that I have never had. I have tried to reach out to this company on several occasions and ask for verification of debt but they would never provide any information, they only want payment or threaten to involve lawyers in which I quickly tell them to do so. I have been a XXXX XXXX subscriber for 11 years and my bill has never been behind nor have I ever been associated with any phone numbers other than the XXXX I have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PENTAGON FEDERAL CREDIT UNION (NC)

Complaint:
I have made arrangements to pay off the {$3200.00} that is owed. I do not owe {$12000.00} because the car was returned. I know longer have possession of the car.

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 2021-03-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Complaint:
On XX/XX/2020 I was to receive a refund in the amount of {$200.00} to my credit card following a car rental with XXXX but because my credit card was cancelled by Bank of America due to my card being compromised the refund never made it back into my account. Bank of America then pulled the amount from the vendor returning it to me stemming an investigation. XXXX turned in incorrect documentation stating that a refund was issued in the amount of {$200.00}. I then submitted documentation that the refund of {$200.00} that was issued by XXXX was for a prior rental. I have sent in several supporting documents to prove that I am entitled to a refund of {$200.00}. Yet both XXXX and Bank of America has yet to make good on returning my refund amount of {$200.00} and other fees accrued from this and have stated that they will no longer be investigating the issue.

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 — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK (SC)

Complaint:
I contacted discover via certified mail about an alleged debt. They have reported negative information to the credit bureaus and the credit bureaus are saying they have sent in information verifying the debt. 

However, I asked discover for validation of the debt and a copy of my original signed contract ( as allowed by law ). 

I have attached the original letter sent via certified mail and also the signature receipt showing that my letter was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Phillips & Cohen Associates, Ltd. (GA)

Complaint:
I DONT NO WHO THIS COMPANY I HAVE NEVER DONE BUSINESS WITH THEM THEY ARE CONTACTING MY FAMILY MEMBER LOOKING FOR ME I HAVE NEVER HAD A CONTRACT WITH THIS COMPANY AT ALL

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MD)

Complaint:
On Wednesday XX/XX/2020, I used the IRS wheres my payment app to find out when I should expect my stimulus payment deposit to hit my checking account and at the time it showed me the payment was to hit my account that day. I then check my Chase bank app to see if it had, to which I saw nothing. So I want back to the IRS website and looked at the last 4 of the account that it was to be deposited in, the last 4 digits displayed were ( XXXX ), which I realized wasnt mine at ( XXXX ). 

I then called Chase Bank, and waited on hold for nearly 2 hours by I spoke with someone there, they told me I  needed to file a claim, I did that. They told me it would be rerouted into my account in 1 to 2 business which would have been that Friday. It never came, so I called back to find out the status. I was hung up on and given the run around many times. I called my local Chase branch, they took down my information and said theyd call me back that day or Saturday morning never happend. 

I then waiting till that following Monday, to which I waited hours to speak with someone again and they hung up on me. I called back and finally got thru to the claims department, they told me to expect a reroute that night, and still I got nothing. I called to day and was informed theres nothing that chase can do because the deposit was in that persons name and they spent the money and that I needed to take the matter up with the IRS, which is closed due to corona. So Ive received no help. 

I took a picture as proof of the irs website showing the deposit date which the account number my payment was sent to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
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. (AZ)

Complaint:
I have sent in numerous information that proves an account on my credit report is not mine. Everytime i call them they change their story staying they have n't received it to " oh yeah we did receive it but it has n't been review yet. this was over a month ago. They constantly change their story and do not give me a straight answer. Ive been recording every call wit them proving that the are lying. I demand that they take all collection account off my report as I proved that all of them are not mine.

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 2021-06-22
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: Upstart Holdings, Inc. (KS)

Complaint:
On XXXX XXXX, 2021 I mailed a letter to the company disputing this account. I gave them 30 days and checked my credit report and no dispute comment had been added. On XXXX XXXX, 2021 I sent a second letter to the company about the dispute. I never received a reply, and once again after 30 days a dispute comment was not added on my credit report. On XX/XX/2021 I sent letters to XXXX XXXX, and XXXX regarding this dispute. I did not receive any replies and once again after 30 days the account did not have a dispute comment added. On XX/XX/2021 I sent a second letter to the 3 credit bureaus regarding the dispute. Once again, after 30 days, no dispute comment was added to my credit reports. The company has violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Act Section 807 ( 8 ) by not placing a " notice of dispute '' disclosure on my credit reports within the required 30-day period. This company also never provided me with copies of any documentation bearing my written signature in response to my dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
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: Midwest Recovery Systems (GA)

Complaint:
I looked anatomy credit report and saw numerous problems with it. I disputed information that was incorrect and not mine and it came back as verified but was not validated. I never had an account with this creditor and I do not owe this debt. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Convergent Outsourcing Opened XX/XX/XXXX {$590.00} Midwest Recovery Systems Opened XX/XX/XXXX {$7200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
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: Experian Information Solutions Inc. (PA)

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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