hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-04-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of Michael J. Scott, PC (TX)

Complaint:
On the XXXX of XXXX I recieved communication that I was being sued, by XXXX XXXX and yes I have done business with them years ago, but now they are suing me without ever informing me a debt nor giving me any opportunity to even know if this is my debt I asked for prove like a Dunning Letter or something to say I had an option to dispute this debt and they have not did that, I just received A response from the lawyer office the week of the XX/XX/XXXX, with still no prove nor did they answer my questions, they sent the same thing that they filed the lawsuit with! I am just mailing a certified letter on XX/XX/XXXX to again ask for proper documentation on this claim and I also having to appear in court on XXXX the XXXX to appear in front of a judge and this is an illegal process and these ppl want send me any prove that shows this is me or any letters sent to me prior to this court case. This should be dismissed and this ppl should be paying me and not to mention a 3rd party has information about me for which I didnt give permission to do so, they are illegal suing me. Also, attached below is the only information given that they were able to file a lawsuit on! That should not be! Also, all information redacted account numbers, pricing, etc. and XXXX was not contacted because they never contacted me and everything is going through Scott and Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (PA)

Complaint:
I reached out to chime to file a dispute in reference to someone stealing all of my identity. I reached out to the police and Chime on XX/XX/2023 offered police incident report and 45 min later chime said they have concluded their investigation and that no error occurred. I dont have money to give away or throw away. I also emailed them and said I would like another investigation ( rebuttal ) and contacted the XXXX. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Complaint:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX XXXX Balance {$24000.00}, account XXXX. This payment history is wrong. I have attached payment history XXXX XXXX XXXX  agreed to. XXXX XXXX XXXX has  been reporting my auto loan account XXXX. They are reporting this account as charge off no payment received. Yet I have been making payments over the last year. I have provided proof of some of the payments I have made. 

They have been calling and making threats about the account. They will not update the account on my credit report after they have charged off account. 

Please delete this account. XXXX XXXX XXXX did not report this account correct for more than a year. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 

Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
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. (GA)

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 2023-04-20
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 with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX 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 a 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 non-monetary relief
Consumer complaint received 2022-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (LA)

Complaint:
As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to XXXX one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file

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 2017-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

Complaint:
Capital One continues to violate permanent Prescreened credit card opt-outs by sending unsolicited offers for credit. Please make them STOP this junk mail. I received yet another one of the unsolicited junk mail letters today XXXX/XXXX/2017 ( after  receiving several of their prior bundles of junk mail ), this time, for their Quicksilver  credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Complaint:
After XXXX  breach, XXXX  gave me a XXXX account with a website address that is " not found '' and contact phone numbers which are not reachable. I continue to receive " alerts '' as to changes ( probably credit applications ) on my credit report which I can not view in order to do anything about. Further, my DOB is wrong and when I recently applied for credit, was told that my identity can not be confirmed. I have repeatedly tried by written and phone communications to get the incorrect information off of my report by all 3 credit reporting bureaus ( XXXX, Transunion and XXXX ) but never receive a reply or can receive proper and helpful assistance from customer service representatives by phone, etc. I have opted out of receiving credit offers by mail and my opt out has also not been respected which means I continue receiving these offers to my home address via unsolicited US Post Office mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

Complaint:
I applied for a new Citi AAdvantage Platinum Select Mastercard on XX/XX/XXXX. 

I was instantly denied for the following 2 reasons : 1. Too many recent credit inquiries are recorded on your credit bureau report ; and 2. Your credit report reflects a lack of recent installment loan information I feel that I have been discriminated against by Citi and my credit application has been denied on frivolous grounds. 

I have a superior FICO credit score of XXXX, and a relationship with Citicards that spans over 10 years. My accounts have always been in good standing. 

At the time of application, I only had 3 hard inquiries in the last 6 months, 1 of which was in XX/XX/XXXX for the same Citi Mastercard application as the one above. 

I fully own my house, and naturally would not require any installment loan. I should not be penalized for this. 

Despite repeated attempts to contact Citi for a detailed explanation for the denial, no additional information has been provided.

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 2023-01-22
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: JPMORGAN CHASE & CO. (MI)

Complaint:
XXXX XXXX XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX my account and money was taken from XXXX XXXX all of my money and funds were electronically withdrawn this has caused hardship with my Chase account and capitayone account as I have filed a XXXX breach settlement because of false reporting and also neglected my small business where as I cant establish my accounts because of false reporting reflecting from XXXX XXXX and XXXX false reporting my info as my bankruptcy was also XXXX last year its been I XXXX r XXXX years this has really caused me damage with job opportunities and so forth

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Complaint:
In accordance with the Fair Credit Reporting Act CREDIT XXXX XXXX account number 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, 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 a 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 non-monetary relief
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
I sent a letter on ( insert date letter was sent to bureaus ) to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX Balance : - XXXX XXXXXXXX Balance XXXX {$1600.00} XXXX XXXX XXXX  Original creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/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 non-monetary relief
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advantage Credit, Inc. (CO)

Complaint:
My Name is XXXX XXXX, DOB ( XX/XX/XXXX ) In XXXX of XXXX I made a call to XXXX XXXX  to make a payment on a collection account, I also asked XXXX XXXX  for a pay off letter because i need this removed from my Credit report However they failed to do XXXX And I am still struggling to get this account removed from my report which is affecting my score. I called a second time in XX/XX/XXXX for the pay off letter and I still have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
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: CITIBANK, N.A. (CA)

Complaint:
Hello, I have an inquiry on my citicard Cbna from XX/XX/22. I am unaware of why this is on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Complaint:
on XX/XX/2020 i sent a letter to this company about multiple unverifiable and inaccurate items on my credit report. i have not received anything back yet so over 60 days. I am a human and I expect to be treated fairly like one. i think this is disregarding the law and something needs to be done quick. everyone has been affected by the virus, but this is not an excuse to treat consumers this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX, please remove any other variation of my name they are not accurate. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX , XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Complaint:
They call from restricted numbers. My phone does not allow this. They call from many different numbers. They use this number to call me : XXXX. I have checked my credit report and no one has taken out a credit card in my name. I do not use credit cards. They primarily deal with credit card debt or old debts. I wish for them to desist and decease from further telephone contact until they can provide me with a debt validation letter proving that they now own the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Prosper Marketplace, Inc. (TX)

Complaint:
I previously disputed an item appearing on my credit report as identity theft. I have been a victim of identity theft and this account is not mine. I have previously provided a police report and have attached it again. 

The disputed account is : Prosper Marketplace - Acct # XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (OR)

Complaint:
In accordance with the Fair Credit Reporting Act 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 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, 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 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 then records of convictions of crimes which antedates the report by more then 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 2023-05-29
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. (OH)

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 US C 1681 section 602 A. States I have the right to privacy 15 US 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
There is incorrect information reporting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$9700.00} ; XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: WELLS FARGO & COMPANY (MO)

Complaint:
Took out a loan with Wells Fargo. Rates should have been decreased. Credit should be paid in full and every payment was early.

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