hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2019-05-12
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. (AL)

Complaint:
I have a repo with XXXX financial that is not mine 3 collection accounts 18 inquiries that are not mine. I have written and callled and placed holds on my credit reports. There is even a bankruptcy on my reports. It has ruined my credit. Ive tried to call write and get the bureaus to fix it and they wont.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (CA)

Complaint:
My account was suspended without warning or notice for transferring money from my investment account at XXXX to my checking account with Chime bank. They demanded that I provide proof that the money was legitimate using statements from gusto and XXXX despite the fact that all of the initial investment was deposited to XXXX  from Chime and I have direct deposit from my employer connected to Chime. They have the full statements showing where the money came from but elected to suspend my account for 7 days with no notice. There is no phone number to call only an email with almost entirely automated responses. It wasnt until I complained on XXXX that they reached out to me to resolve the issue. They then sent an email on the prior Wednesday saying that my account would be reinstated in two days. Ive heard no response and am still unable to access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
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. (OK)

Complaint:
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 2021-03-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: States Recovery Systems, Inc. (CA)

Complaint:
This collection agency is furnishing an alleged debt that is on my consumer report ( XXXX ) The collection Agency State Recovery System which is on XXXX XXXX XXXXXX/XX/XXXX, CA XXXX has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/2021 and have not recieved any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy. The comapny has also violated these laws. - 15 usc 1692b ( 2 ). Requesting location information from a family member saying i owe such debt - 15 usc 1692b ( 5 ) Using a symbol to indicate to the consumer that the debt collector is in the debt collection business - 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place - 15 usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication. - 15 usc 1692d ( 1 ) using the means of harm to damage my reputation - 15 usc 1692d ( 2 ) The use of profane language which is used to abuse the hearer or reader - 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number - 15 usc 1692e ( 2 ) The false representation of the legal status of a debt - 15 usc 1692f ( 1 ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt - 15 usc 1692g ( a ) Failure to provide the 5 things to prove the comsumer owes a debt within 5 business days. There is over {$10000.00} listed in violations of the FDCPA and if this issue is not resolved i will pursue litigation with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc. (FL)

Complaint:
I went to school with XXXX and I leave they say I owe them XXXX I agree to pay then they send me to debt collector lockhart morris and Montgomery now they saying I owe XXXX I paid them XXXX at once and now I owe them XXXX cause I told them am only paying them XXXX now they arrasting me saying they gona sue me and so forth and calling me all z time just for XXXX say they do n't want no payment plans they want the money one time or else I have to pay and extra XXXX what should I do. My email XXXXXXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
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: Experian Information Solutions Inc. (FL)

Complaint:
I got several unauthorized inquiries on my credit and want them to be deleted immediately. 

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 non-monetary relief
Consumer complaint received 2020-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (NC)

Complaint:
on XXXX XX/XX/2020 I filed a dispute with CitiBank concerning a double charge of {$590.00} The vendor which I was paid {$590.00} for a service verified they were only paid once, not twice. 
CitiBank informed me on XXXX XX/XX/2020 that my dispute was resolved and the wording in their letter was confusing, as they stated " We're pleased to let you know your dispute has been resolved '' Only in XXXX, did I realize my dispute was not resolved. 
I wrote a letter to CitiBank with my concerns. 
I contacted the vendor, re-confirmed they were only paid once and they stated they were NOT contacted by CitiBank. 
CitiBank stated that the charge was valid, which was not my dispute, but that I was double charged, what should have been a single {$590.00} charge was actually two {$590.00} charges. 
CitiBank has claimed I waited too long to respond, my delay was based on a misleading letter from CitiBank and waiting till I received the next statement after the correspondence from CitiBank. 
I believe CitiBank made an error in the double charge, they did not conduct a proper investigation of the my dispute and their communication has been unclear.

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 2023-08-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PMT Solutions, LLC. (FL)

Complaint:
I received a debt collection notice on XX/XX/08 regarding a bill I did not know existed from XXXX XXXX. XXXX XXXX never sent me a bill but instead sent my bill directly to PMT XXXX  who require you to pay in person or acquire an extra {$35.00} fee to your bill. I have lived in Florida now for 5 months and can not go in person to pay my bill that I did not know existed. When I contacted XXXX XXXX regarding the bill, they stated it is not their responsibility to notify me of payment due. XXXX XXXX has also deleted my account so I can no longer see what the charge is for or any details regarding the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
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: Experian Information Solutions Inc. (MO)

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX : {$2500.00}

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 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

Complaint:
I have received a copy of my credit report and it shows company ( Original Creditor : XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$130.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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. (NJ)

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Remitly, Inc. (CA)

Complaint:
I have filed several legitimate disputes about issues with purchases but XXXX has not always properly investigated them or says that they have done so but actually have not. I have asked for information on how they came about these decisions but they have not provided information. I believe XXXX is violating my XXXX XXXX rights to dispute transactions for some reason and this isn in violation of both federal law and state laws for California.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-23
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. (TX)

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 explanation
Consumer complaint received 2022-05-25
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:
In accordance with the fair credit reporting act XXXX  US Bankruptcy XXXX XXXX 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 insrtuctions. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
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:
There are numerous accounts listed on my credit report that I have no knowledge of. This was a result of malpractice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
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. (AL)

Complaint:
I recently sent a dispute letter to XXXX  and XXXX XXXXn XX/XX/2021, now it's XX/XX/XXXX and I have still not received any investigation results from either of the three Bureaus. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

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 2020-11-30
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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (GA)

Complaint:
Ref account number XXXX ALLY Finance. This vehicle was total in XX/XX/XXXX, last payment made was in XX/XX/XXXX. This account is outside of the 7-year threshold. Also note this account was paid, however it shows active payments throughout XXXX, with a charge off in XX/XX/XXXX. This account also shows late payments in XXXX ( 30days late ) XXXX ( 60 days late ) and XXXX ( 90 days late ) in XXXX. 
Kindly note, each investigation, results in additional inaccuracies. This account continues to adversely affect my credit rating because of the numerous negative inaccurate changes. XXXX  continues to publish this report, with zero effective investigation.

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 2020-12-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Complaint:
I purchased a vehicle from Credit Acceptance in 2016 with gap insurance and a warranty. Shortly after purchasing the vehicle started to have problems staying on and during driving. I contacted credit acceptance and informed them to come and get the vehicle which they did not comply. At the time the vehicle had stop running and is no longer running. Despite my request, CAC sent me a discharging the lien of the vehicle and put the balance on my credit. I do not owe this company as a result of their action

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 2023-07-15
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. (NC)

Complaint:
This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX  XXXX Balance : {$20000.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: S&S Physician Services, Inc. (TX)

Complaint:
XXXX XXXX XXXX XXXX has opened an account on my credit of {$1900.00}. I am unaware of this charge and I would like it disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
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: Experian Information Solutions Inc. (FL)

Complaint:
Although I appreciate your efforts to update and correct some of the information on my credit report, there are still a few problems. The XXXX Credit Bureaus are required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) to confirm these items ( A ). I'm hopeful that these contentious issues will be resolved right away. 
XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX A XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX MORTGAGE XXXX XX/XX/2022 XXXX MORTGAGE CREDIT XX/XX/2022

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 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Complaint:
I have Loan With Capital One Finance. I pay them before time but they are reporting accurate remains balance and last two months also was not reported to credit Bureau. 
i did sent them letter on XX/XX/2021 but they last reported again with 3 credit bureaus with incorrect balance and missing moths of payments

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: 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. (TX)

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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 2022-05-02
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: Experian Information Solutions Inc. (FL)

Complaint:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2021-12-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: AmeriCollect (IL)

Complaint:
XXXX and the XXXX XXXX XXXX XXXX has sent in accurate billing to XXXX collect dating back to 2016. While I was under states insurance XXXX billed me two times sending this to collections with Americollect. This is in accurate fraudulent charges on my credit report. 

Americollect has also billed me multiple times with an accurate medical billing claims and estimated charges of over {$14000.00} completely destroying my A1 credit. no help and absolutely no remorse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation