hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2016-08-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: D. SCOTT CARRUTHERS (CA)

Complaint:
My complaint is from the Very Beginning Mountain Lion was very Cantankerous & trying to bully me around over the phone. Then later I received a Notice of Wage Garnishment of {$18000.00} from Mountain Lion Acquisitions. This company did not lend me {$18000.00} they purchased the loan from the Original owner Cash Call who lent me {$5000.00} to pay my Federal taxes. Therefore I do n't believe its Honest, Integrity or Fair for them to try & collect {$18000.00} from me when that 's not the Correct Accurate amount of the Original Loan. Mountain Lion nor cash call ever tried to work with me Mountain Lion just called me all the time with threats & this Ridiculous offers that no one can comply with unless your Rich, not a Normal hard working person that Pays the Correct amount of Taxes legally & Do n't Cheat on their tax returns & say I do n't know I just gave everything to my CPA yeah you know. Mountain Lion are in Violation of the Fair Debt Collections Practice Acts 15USC.1692., Common law malicious prosecution, & they are violating the declaratory relief under the California Finance Lender law XXXX, Mountain Lion is also in violation of the Roenthal Fair Debt Collection Practices Act California Civil Cod 1788, etseq. These kind of Company are Big Time LOAN SHARKS that should be prohibited to do Business because they PREY on Innocent hard working people like me! Also they Claim Millions of dollars on there tax return & write it down to mere pennies or some where around {$2500.00} and Rip off innocent people .They really were never willing to work with me they always asked for ALL the Money up front the Whole amount or more. They asked me for {$8500.00} the whole amount up front & then they just kept raising to {$9100.00}, {$11000.00}, {$16000.00} & Now {$18000.00}. If I had that kind of Money just laying around, then I would have never needed a loan in the First Place. Also With cash call they never tried to work with me if they did it would have not gotten this far I believe Cash call & Mountain Lion work as a team to Rip off people & That 's why they have a TV Commercial now. In the Very being something happen with my account & XXXX was not able to get paid from my account & when I tried to work with them They said NO we want all the Money up front & they would not take the payment arrangements any more & was so Rude, Mean, Nasty & Very Unprofessional. Then Mountain Lion calls me & they acted the same way mean & Cantankerous!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX # XXXX - IDENTITY THEFT XXXX # XXXX - IDENTITY THEFT UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/2023 XXXX XXXX5 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Complaint:
There are 90 day delinquencies on my credit report that are erroneous. I set up deferment status with the student loan company and they neglected to follow through with the status update on my file. 3 months later I received my first late notice. I called and inquired as to why I was in delinquent status and was informed that there was no deferral in place on my account. I explained that I had spoken to someone about the deferral previously and was told that I would be granted an administrative forbearance retroactively and have the delinquency taken off my credit record. 

A few years later I checked my credit report to see that the forbearance had never happened as promised and that I still had 4 separate delinquencies stemming from one bundle of loans all originating from the same lender. I believe this in itself is a unfair practice and unnecessarily burdens young XXXX  by damaging their credit excessively. 

I believe the error in reporting is due to an overloaded staff at the agency. I was very clear about the terms of deferment and forbearance on the phone but my account was not updated to reflect this.

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 2020-07-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ResidentCollect, Inc. (FL)

Complaint:
My dispute results came back from transunion dated on XXXX XXXX. I received a letter from innovative recovery dated on XXXX XXXX stating that a balanced owed from XX/XX/2014 and i had 30 days to disputed this debt. So following the letter i received. i sent a response with a validation letter, requesting all information about this debt before the 30 day window is up. In response from innovative recovery i received a packet dated on XXXX XXXX. Clearly the packet only included a lease and some invalid paper thats inaccurate with the wrong amount that is not shown on my credit report and the incomplete name of the alleged original creditor.. Nothing was validated in response to the things i asked for in the validation letter i sent to innovative recovery.. And they are violating my consumers rights. Because they continue reporting to the credit agencies, and never validated a debt. Which im the consumer is entitled to ask for validation and they fail to comply with the request. XXXX  also recieved copies of the validation letter stating that the debt be removed off of my credit report, because innovative recovery fail to validate my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Complaint:
I am unable to open a bank account no were in the world due to Bank of America old account I had And it was an old account and I call Bank of America Customer services as well as other numbers and as well as the fraud department and they told me that they would be able to to help me get these resolved and They have not and the bank refuse to wave and Old accounts Even doe I told them it was fraud check thats was sent to me in mail and was open and was charge from online fraud that was sent to me as a online for payment of work and I cashed the check threw my account and they didnt respect that I asked them for help dealing with these old accounts they refused to help it was other people at the bank was going to help but they couldnt help cause the bank Corporate refuse to help these accounts are more than two to six years old or more and it not letting me open a checking account in the world

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 2021-07-05
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Complaint:
I disputed several items on my credit report to Transunion and XXXX regarding XXXX XXXX XXXX XXXX. I never knew WHO, WHAT or WHERE this debt came from and I asked both the company and both credit reporting agencies as PROOF of this debt. There was no proof of this being my account, and yet, it remains on my credit reports as a CHARGE-OFF.

XXXX XXXX XXXX  is yet another collector using illegal practices. I graduated from XXXX  in XXXX  of 2016. And yet, this company has listed this as a NEW debt 4 years later. I have never even heard of these people. Old debt can't be listed as new debt.

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 2023-01-27
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. (GA)

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 


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 non-monetary relief
Consumer complaint received 2017-06-16
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. (TN)

Complaint:
Spoke wit h Equifax over the phone on  XXXX / XXXX / XXXX  about an error on my report regarding a false claim that I owed a medical bill. I was and am still currently on social security  XXXX . Medical procedure was covered, and this was dismissed from court last year,  XXXX .  XXXX   XXXX  is the debtor. They have no claim to this charge as it was fully released. I have proven this with all   XXXX   credit agencies, including Equifax. Equifax removed the false court judgement after investigating, but left  XXXX   XXXX  as a current collections account. This is the same collection account. It should not have been duplicated on the credit report. They agreed after investigation to remove it, but only removed half. Now, they told me I had to reopen a dispute on  XXXX / XXXX / XXXX  for the incorrect information that they already agreed to completely delete, so that I have to wait another 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Complaint:
There are three accounts listed with this collection agency being reported with credit bureau agencies that is not my debt. I have continuously asked for proof of validation and they keep replying with copies of bills and 5 letters indicating the same thing for each creditor.
I have sent three letters w/i a 90 days to this debt collection agency, validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them and they have failed to provide the information requested as there is no evidence to provide. In a letter dated XX/XX/XXXX & Two letters dated XX/XX/XXXX, they stated that they will not continue the investigation and have reported this fraudulent account to the credit reporting agencies which this account is not valid. I would like this account ( s ) removed at once.. 

XXXX XXXX Acct # XXXX -- {$2200.00} XXXX XXXX-Acct # XXXX -- {$600.00} XXXX XXXX XXXX XXXX Acct XXXX XXXX -- {$890.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
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: BARCLAYS BANK DELAWARE (NC)

Complaint:
I have sent a certified letter to Barclay Bank Delaware asking them to provide my documents bearing my signature of opening an account with them which they have not provided or responded.

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 2022-11-29
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: AMERICAN HONDA FINANCE CORP (CA)

Complaint:
*There are numerous collections and fraudulent accounts that have been sticking to my credit profile affecting my credit * Debt collection agencies have been harassing me for payment for accounts that were reported as not me * Debt from fraudulent accounts and bills reported on my credit that's also not belonging to me * I have payed numerous credit repair agencies lot 's of money to fix these collections and fraudulently open accounts and no results * There was Payday loan opened up that was not me * delinquent account for also a Vehicle loans or and leases XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$300.00} Account information disputed by consumer under the Fair Credit Reporting Act AMERICAN HONDA FINANCE Date opened : XX/XX/XXXX {$5900.00} XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
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. (GA)

Complaint:
In accordance with the Fair Credit Reporting Act, my rights have been violated and the following companies has information that is not 100 % correct on my report. There are several accounts I have asked the company to investigate every time they come back with the solution the information has been updated. The companies I have disputed has been incorrectly reporting dates since charge off for over two years with a balance. Also, I have sent in information to creditors to validate my debt which hasn't been validated. I have asked Experian several times to properly investigate this matter as well as send me information to whom they have contacted to investigate. None of this has been done it's been about three to four months now and I still have this information tarnishing my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAC Financial Corp (OK)

Complaint:
I never received a bill, so I contacted XXXX ( XXXX XXXX XXXX ) XXXX and requested an itemized statement to be mailed. A statement was never mailed or received. Instead they send the balance to CAC Financial Corp, a collections company. My payment was mailed on XX/XX/19 and cashed by XXXX  on XX/XX/2019. I  contacted XXXX and they told me even though I read off the information regarding the check being cashed that I had to prove to them that they had indeed cashed it by emailing the cashed check copy. I have done so and their collections company is still falsely reporting this bad credit when in fact it has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (AZ)

Complaint:
A company named WAKEFIELD & ASSOCIATES showed on my XXXX credit report on XX/XX/22. They claim that XXXX XXXX XXXX XXXX  was the original creditor when I have not heard of them either. The balance they claim I owe is {$1200.00}. 

I have never heard of XXXX XXXX XXXX XXXX nor have done business with them. Aside from this complaint, I have also reported this activity to experian. 

After some research I learned that both companies are the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
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. (AR)

Complaint:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. 

XXXX XXXX {$600.00} XXXX  XXXX XXXX {$2300.00} XXXX   XXXX {$880.00} XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 
XXXX {$800.00} XXXX {$240.00} XXXX {$360.00} XXXX {$77.00}

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 2019-06-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. ()

Complaint:
I'm a US citizen living in the XXXX for the last 5 years - I've been banking with Chase since long before my move & maintained a Chase savings & checking account until a few days ago. This complaint is twofold : XXXX - Chase is refusing to cover me on fraudulent/unauthorized transactions against my checking account, citing a T & C protecting me for only the first 60 days from the first fraudulent activity, & 2 - Chase subsequently closing my account ( due to the fraudulent activity ) & removing all information from my client login page ( significant balance, account documents, historical transaction information, etc ... ) without any formal notification or way of accessing this information. 

Complaint 1 - I've maintained my Chase account for the 1-2 small ongoing USD transactions I have per month but don't use it too often & don't tend to check the balance each month on account of the infrequent usage. On Friday, XX/XX/XXXX I logged in to check out whether a transfer had arrived & I noticed a significant number of fraudulent transactions from various XXXX accounts ( not mine ). I investigated & noticed the first of these transactions ( 2 deposits & 2 withdrawals less than {$2.00} - can't give you exact amounts because of Complaint 2 ) on XX/XX/XXXX. There were subsequent withdrawals of {$990.00} on XX/XX/XXXX, withdrawals of {$330.00}, {$110.00}, & {$22.00} on XX/XX/XXXX, withdrawals of {$330.00} & {$59.00} on XX/XX/XXXX, {$350.00} on XX/XX/XXXX, and another {$350.00} & XXXX on XX/XX/XXXX. I contacted Chase to let them know & they asked me to indicate all fraudulent transactions, which I did. They then told me they would only protect & refund me the fraud for the first 60 days from the first transaction ( starting XX/XX/XXXX ). When I tried to question how this was possible I was told to consult the T & Cs of my initial account opening pack ( from many years ago ) then subsequently accused of being negligent when asked how they couldn't have noticed the activity given it was so different from my normal spending habits. I was told there was no way to 'quarantine ' my account from other withdrawals & after being passed around to about 15 different people on the phone ( & explaining my situation about 12 times ) I was finally informed that my account would be locked down & I would then need to come into a branch to collect my balance. 

Complaint 2 - In subsequent days ( estimated date XXXX XXXX ) I have received no official notice from Chase & when I log in my account & all historical statements are gone, leaving me with no information. I have no idea where my balance is, what happens to it, & no access to any historical transaction information, which I find wholly unacceptable.

Company response to consumer: Closed with explanation