hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation (FL)

Complaint:
On XXXX XXXX I received a phone call from my bank asking me to verify my information in order to receive payment from IRS of XXXX. After speaking with my bank ( within minutes ) my account had been debited for XXXX. I immediately called the bank back ( the number on the back of my card ) and told them I think I may have just been scammed. I instructed the bank to immediately just close my account and mail me a check. I have called Netspend multiple times regarding this issue as I have yet to have access to my XXXX. I was told on XXXX XXXX that a check had been mailed and given a bogus tracking number. I filed a police report the night of the happenings and I have sent over all required paperwork. I keep getting a run around from this bank ( Netspend ) and would appreciate any help.

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 2022-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. 
1.Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2.Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3.Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4.Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
5 Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
6. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
7 Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
8. Validate Account XXXX XXXX Account Number : XXXX  Please remove it from my credit report. 
9. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
10.Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
14. Validate Account XXXX Account Number : 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 2021-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is reporting late as reported in my 3 Credit Bureaus. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (MD)

Complaint:
On XX/XX/XXXX, Midland Funding LLC filed a false claim against me in the District Court of Maryland   for XXXX XXXX stating they were the owner of an account I had with XXXX XXXX   in the amount of {$1000.00}. An Affidavit of Service was filed with the court made with false statements that the Process Server personally served me on XX/XX/XXXX, which is completely false. I was never served by this processor. A Bill of Sale was filed with the Courts which was dated XX/XX/XXXX and stated it is by and between XXXX XXXX XXXX , XXXX, a XXXX   XXXX XXXX XXXX ( the " Seller '' ), and Midland Funding LLC, a XXXX XXXX XXXX XXXX ( the " Buyer '' ). The Bill of Sale is clearly from a junk debt buyer and does not mention my name, social security number, and original credit account with XXXX XXXX. Midland Funding LLC is not the legal account owner of any accounts I previously had with XXXX XXXX. I was not an educated consumer and was intimidated after finding out I had a judgment against me and was receiving a notification that my wages were going to be garnished in XXXX of XXXX and I contacted the Attorneys, XXXX XXXX XXXX  XXXX, who represented Midland Funding LLC according to the notice I received. I made payments to avoid a garnishment after the law firm used deceptive tactics to make me believe I owed them money. I had a lot of financial difficulties and could not afford to make payments continuously. I was not aware that Midland Funding LLC was not the legal owner of my account until recently after my wages were garnished and I started doing legal research and found out Midland Funding LLC had violated the Consumer Financial Protection Act of 2010, the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act. Midland Funding and the attorneys representing them did not verify that the records, including the Bill of Sale were accurate and legal before filing a lawsuit against me and causing me mental anguish and emotional distress by garnishing my wages. They will not attempt to prove standing and are now refusing to provide me documentation I am requesting to prove they are the legal owner of my account and had a legal license as a collection agency in the State of Maryland.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
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: Navient Solutions, LLC. (FL)

Complaint:
I filed a dispute in regards to the incorrect items on my credit report. It as been well over 30 Days and I haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

Complaint:
On XX/XX/20 I deposited a check into my account by mobile deposit for {$1200.00}. I discarded the check by throwing it away in the trash and the money was credited to my account. On XX/XX/20 I check my account and noticed some money was missing. I called the bank Wells Fargo and they informed me that the check was deposited twice. They told me the check was also deposited on XX/XX/20 at a XXXX  XXXX  into someone elses account. The bank never contacted me to inform me of the situation but kept accusing and calling me a thief. I have been calling almost everyday to get this resolved but havent received any resolution. I have filed numerous complaint with then and also no resolution.

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 2017-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Complaint:
i have been disputing this entry from   XXXX   XXXX   several times and the  XXXX  bureaus keeping saying that after their investigation they show thin information is correct

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 2020-04-06
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:
XXXX  ; XXXX and Transunion are reporting incorrectly that I am XXXX XXXX XXXX days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is reporting a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2023-01-06
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: National Credit Systems,Inc. (GA)

Complaint:
On XX/XX/2020, National Credit Systems INC. reported a delinquent account to my credit report. They said an apartment complex called XXXX XXXX XXXX XXXX  in XXXX XXXX XXXX  retained them to collect an amount of {$3200.00} owed to them from me in back rent. I live in XXXX XXXX XXXX XXXX XXXX during the time of the lease in XXXX XXXX XXXX also a victim of identity theft ( I have a report for this ).. I contacted the company after seeing the account on my credit report and I emailed them a copy of the police report, I emailed them a lease for my home in XXXX  for the dates the lease was signed in XXXX  I also sent them paycheck stubs from my XXXX XXXXXXXX  during those dates as well its been over a year going on XXXX years since Ive emailed those things and the company will not remove the account from my credit report. Im now XXXX  because no one will rent to me with owing a previous landlord!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
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: AMERICAN EXPRESS COMPANY (FL)

Complaint:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
American Express - Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX - Inquired on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alliance One, Inc. (CA)

Complaint:
To Whom It May Concern : I was the victim of a car accident XX/XX/XXXX and I kept receiving the same bills regarding my visit to the XXXX XXXX XXXX ( XXXX ). I wanted to wait until the settlement was complete before I paid it off. I also wanted to make sure no new bill were or would be issued before settling the person 's insurance. Therefore, my XXXX bills were understandably taken to collections ( AllianceOne ), but I explained to them the situation and I paid off all the bill regarding my XXXX bills by XX/XX/XXXX to the collection agency on behalf of XXXX XXXX XXXX. I confirmed by phone multiple time ( XXXX times ) with the hospital that my account had been XXXX out. My attorney also confirmed that these were the only bill that I had or will have regarding this incident. On XX/XX/XXXX I received a call from AllianceOne trying to collect a bill from that I have never was issued. They said they received this bill on XX/XX/XXXX ; almost 1.5 years after my accident. And after my attorney and I had taken measures to make sure all my bills pertaining to the incident were resolved. I tried to dispute this bill with XXXX XXXX XXXX, so they took it out of collections, but they never resolved it. I was consistently corresponding to them for about 1.5 months. I even had my attorney tell them that we had asked for all the bills pertaining to the incident. They stopped corresponding to me for about 1.5 months. On XX/XX/XXXX this started up again. This time I asked for a " verification notice, '' detailing terms in which the clients has asked. I have not received any such letters. I has been over 5 business days. I also got a " print screen '' version of my " new bill '' which they claim I have been receiving since last year, but there would be no reason for me to not receive these bills if I had been receiving the other bills before. I have been trying to file dispute with XXXX XXXX XXXX again as there are items which are duplicated including items that I have already paid for and new items for treatment I did not receive. The patient billing manager refuses to try to respond to my requests. I tried to schedule an appointment with her, but there has been no response. I have filed a compliant with the hospital online and in-person, but have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
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. (NH)

Complaint:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TX)

Complaint:
Continued attempts to collect debt not owed. Filed a complaint with the original creditor  XXXX   XXXX  and they stated in their response that this complaint does n't belong to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Cedars Business Services, LLC (CA)

Complaint:
We resolved a dispute in XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 2013. This is a fraudulent attempt to reinstate a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (CA)

Complaint:
XXXX XXXX showing that I have an activity for credit card balance increase, where I do not have such BARCLAYS BANK DELAWARE credit card, and the balance showed {$13000.00}.

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 2020-05-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Complaint:
I am writing this due to non-compliance with the ( XXXX, XXXX, TransUnion ). They have failed to remove information that was affiliated with personal details that were challenged in the pass. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-12-22
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: Experian Information Solutions Inc. (TX)

Complaint:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes.I would appreciate it if youd expedite this because I need to apply for a job.

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 2016-08-15
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc (MI)

Complaint:
This was reported to the credit agencies without an attempt to validate the debt and despite numerous attempts to get them to rectify after I was made aware of it on my report, they refuse to correct their records. 

I requested documentation to verify the debt and the documents submitted are fraudulent and do not address my issue of validation of the debt. 

The documents do not bear my signature and I did not obtain this loan. The address used is my old address and I did not live at this address when they are claiming the account was open. 

The bank account listed on these documents is not mine and the documents do not bear my signature. 

They continue to report this on my credit despite the numerous requests to validate. I am also opening up a case with Consumer Protection. 

I need this removed from credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
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. (MS)

Complaint:
I have sent written letter to equifax regarding unauthorized inquiries be investigated. However, I have not received a reply into the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (FL)

Complaint:
On XX/XX/19, I traded in my 2012 XXXX to XXXX XXXX. Shortly thereafter, I receive notice from my credit reporting agency that my account was hit for a 30 day late mark on this account AFTER I no longer owned 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 2021-06-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (GA)

Complaint:
To whom it may concern, the following bill that was provided is incorrect. I do not owe any amount of money to cypress grove apartments. I have paid receipts and bank transaction showing I paid my rent every month from XX/XX/XXXX until XX/XX/XXXX right when the apartment complex was sold to another owner out of XXXX fl. I'm a former employee who use to live and work there and i know all the lies and misinformation that XXXX XXXX and XXXX XXXX do as property management. I work with The XXXX XXXX XXXX as the property management company until their services were no longer needed. I had my lease transferred to another property by The XXXX XXXX group as i stayed on with the company when XXXX grove changed hands. please look at the XXXX transactions and bank history provided in the complaint. XXXX and XXXX grove couldnt send in the full lease agreement as you can see only page 1 & 9. where are the other pages? not only the damage information is incorrect, they are not allowed to charge for resurfacing the bathroom and and counter top as that is part of the normal getting the unit ready to move in. i have photos ( provided from my unit when i moved out. XXXX couldnt provide any proof the unit was damage so they dont charge for this so XXXX and all are trying to get extra money out of nothing since i didnt stay on with the company. I gave them my 60 day notice in XXXX which should be in my file unless they took it out but the XXXX XXXX XXXX XXXX XXXX signed off on all my notices. i have all contact information needed for XXXX can call and speak to whomever. This collection should be removed immediately. 

You can have someone at XXXX services to email me with any information that XXXX/XXXX  couldnt provide. i have provided pictures and transaction from the pay site showing XXXX grove.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
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. (GA)

Complaint:
On XX/XX/2018 I started receiving alerts from my credit report monitoring service that several inquires were hitting my credit at the same time. Being that I have very good/great credit, Im worried that one of the inquires may have turned into an approved/open account. If that is the case then I will be see what I have to do to get that account closed and removed from my credit. 

In addition, I purchased a car from XXXX XXXX XXXX XXXX on XX/XX/2018. However, two new inquires showed up on my credit on XX/XX/2018 and XX/XX/2018. I did not authorize XXXX XXXX XXXX to pull my credit AFTER I've received the vehicle.

Company response to consumer: Closed with explanation