hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

Complaint:
ChexSystems have outdated and inaccurate information on my credit profile. Under Consumer Law 15USC 1681 Banking systems goes off of fair and accurate credit reporting. 
Below is a list of outdated and inaccurate information : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2022-06-27
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: Early Warning Services, LLC (NJ)

Complaint:
This Company is reporting negative information without my written consent and on top of it the information is also COMPLETELY FALSE. 

In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under 15 USC 1692C15 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 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
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. (NY)

Complaint:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681 B- Permissible purposes of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

15 U.S. Code 1681C-2- a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

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 2017-04-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Creditors Bureau Associates (GA)

Complaint:
On XX/XX/2017 I sent a certified letter to CBA of Georgia requesting they send me verification of the alleged debt they say I owe. The letter was received and signed for on XX/XX/2017 by a representative of their company. As per the FCRA, I waited the 30 days in which they are allowed to respond, as of XX/XX/2017 I have not received any response in writing or any information verifying this alleged debt belongs to me as I requested in my letter. 

On XX/XX/2017 I sent another certified letter to CBA of Georgia in which a representative from their company signed for on XX/XX/2017 informing them that they failed to respond to my first letter requesting they provide me with verification that the alleged debt belonged to me.on XX/XX/2017 I got a call from a representative of CBA of GA attempting to collect on the debts they alleged I owe. They acknowledged that they received both letters, I asked that they respond to me in writing with the information they have validating the debt belongs to me. The representative stated they will not mail me any correspondence. 
As of XX/XX/2017 I have not received any proof that the debt they allege I owe belongs to me. I continue to receive collection calls from CBA of Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

Complaint:
I received a notification on my credit report saying i owe national credit systems for a debt to XXXX XXXX XXXX I called about it and spoke to someone named XXXX and she said they sent out notification on XXXX XXXX that I owe {$930.00} for rent and other fees for my apartment I am on housing and my rent is paid thru them and the time the apartment was still in my name and mine until XX/XX/2018 I called and talked to the manager of XXXX XXXX XXXX her name is XXXX she looked at her ledger while I was on the phone and confirmed I owed no debt to them I filed a dispute on line with national credit systems and checked back weekly only for her to keep saying call back next week repeatedly called XXXX XXXX XXXX left messages with the secretary XXXX and voicemails asking to be called back and i never received a call I been trying to get this straight since XXXX and now I'm at risk for losing my housing because of a debt that I never had notification of and all my mail was forwarded to my new address

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: Improper use of your report — Reporting company used your report improperly
Company: Sequium Asset Solutions, LLC (IL)

Complaint:
There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case SEQUIUM ASSET SOLUTIONS is attempting to collect as XXXX. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (KS)

Complaint:
I participate in the Revised Pay As You Earn payment plan for my student loans serviced by FedLoan Servicing. On XX/XX/XXXX, I received notification that I was required to re-certify my annual income and I filed a timely recertification using studentloans.gov the same day. Nearly 60 days later on XX/XX/XXXX, I received notice that my re-certified payments were calculated at {$69.00} per month. I immediately realized that FedLoan Servicing incorrectly calculated my payment and I contacted Fedloan Servicing in writing by using the form on the Fedloan Servicing website on XX/XX/XXXX. I received no response from Fedloan Servicing based on my written complaint. On XX/XX/XXXX, I called Fedloan Servicing to complain my payment had been incorrectly calculated. FedLoan servicing acknowledged that my payment was incorrectly calculated because a FedLoan Servicing employee erroneously processed my application with a family size of one rather than two, and ignored my husband 's student loans when calculating my payment. FedLoan Servicing acknowledged the correct payment amount was {$10.00} per month and agreed to correct the error. I followed up by phone three more times and on each occasion was told my payment would be reprocessed within 7-10 days. Today, XX/XX/XXXX I called again to inquire as to whether my payments had been correctly re-calculated. FedLoan Servicing indicated my payments had not been re-calculated and was told that FedLoan Servicing could not re-calculate my payment scheduled for XX/XX/XXXX because I contacted them too close to the due date and was told the issue would be corrected effective in XXXX. I repeatedly requested I be billed the correct payment of {$10.00} for the month of XXXX as required by Federal Law and FedLoan Servicing refused. FedLoan Servicing 's refusal was never based on the premise that the {$69.00} payment was correct but rather that they could not or would not fix the payment in their computer system. I still have not received written confirmation that my payments have been corrected going forward and I suspect they have not been corrected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IL)

Complaint:
Back in XXXX of XXXX, there was no announcement that Comenity  Credit Card was going to shut down their payment processes online. There was no way to log in to see what was being billed, there was no way to make a payment, not even by phone. Then when I found out " Easy Pay '' was opened in XX/XX/2022 there was still no representation of statements of bills and no way to know how much was being charged to my account. There was no announcement that the website was back up. As of now, I can see statements, but not all of them are accounted for XX/XX/2022 is missing. I have been trying to make payments and sent Comenity two physical letters from my bank stating the payments were never tried and have not heard back from them on this specific topic. I have been charged for " chargebacks '' saying Comenity tried to charge my bank but it never went through. None of the payments I scheduled went through the day I scheduled them to go through. I have been charged late fees that have added up to over {$200.00} on my credit card. I asked to have them removed, but no response was made until today XX/XX/2022, and was just simply told I did not qualify. Other customers of Comenity were subjected to waived fees and charges. I have reported them to the XXXX, but nothing was done and no reports or changes have been made. 

I have also received a " bill '' in the mail explaining my account was closed due to the supposed sent-back payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
I had a bankruptcy from well over several years ago and its still impacting my credit.

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 2022-11-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Complaint:
On my statement from this company, they referenced " counseling services ''. That language was offensive to me because I was raised to believe only people with some sort of problem needed counseling, they should not be implying that I need counseling.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IL)

Complaint:
Chase bank closed my account in XX/XX/2022 with haste because i filed fraudulent activities on my account i went into the bank twice to show my ID and social security card as told by the fraud department but to No avail chase sent a notice saying it was responsible and authorized the fraud on my account they sent a check for XXXX but kept the XXXX in my account i didnt owe them any money but they still kept the funds sent a letter saying they closing my account but wasnt reporting me so why did they close my account because they didnt do a thorough investigation i was XXXX and they were being XXXX i want my funds and an apology they sent a recent notice saying they had made the mistake and i was right there were incorrect charges on my account but my account close so how they putting a permanent credit to a closed account i didnt receive all the money in my account when it was closed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
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. (GA)

Complaint:
This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act XXXX XXXX ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX, XXXX, I ; XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-02-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Complaint:
On XX/XX/2020 and XX/XX/2020 I sent a the same letter twice to each bureau about inaccurate and unknown inquiries and other information on my credit report. It's been over 60 days and I have not heard back from anyone yet. I am suppose to receive some sort of response in 30 days after an investigation. I thought maybe the letter was lost in the mail so I sent it in again certified mail to make sure each company received my letter. I did my research and this is a violation of of FCRA, as a consumer I should not have to deal with this. I just found out my information has been impacted by the Equifax data breach and I am doing my best to remain calm in this situation and not stress about the unknown things on my credit report. Please act fast before this become a legal matter. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Complaint:
On XX/XX/XXXX, my husband and I requested credit investigations as XXXX  and Trans Union. Since that time, my husband has received his results, but I still haven't received anything in response. XXXX   and Trans Union were supposed to respond within 30 days. I am attaching a copy of the letter we sent them, requesting investigations at the same time.

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 2023-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NJ)

Complaint:
Dear Fraud Department, I am the victim of identity theft. Someone used my personal information including my name and Social Security number to open an account with XXXX XXXX XXXX. This account was sent to LVNV Funding/Resurgent for collections. I am working with XXXX XXXX XXXX  to resolve this issue. Once I was made aware of the fraudulent account, wedisputed the account with LVNV Funding. I was asked to send a copy of my fraud affidavit and drivers license to them for review. These documents were sent to them on XX/XX/. Included in the documents was a written request for all documentation related to the case. I have not received those documents as required by law. 

My XXXX XXXX XXXX agent spoke with LVNV Funding on XX/XX/2023 and was advised that since there was a court ruling in the situation, they would not be marking the account as fraudulent. 
The court ruled against me because I was not aware of the account and did not have the opportunity to defend myself and explain that the account was the result of identity theft. 

I would like to reiterate the following points : * I did NOT open this account, and was not aware of its existence. 
* I did NOT receive notification of the account, the collection activity, or the court case until recently. 
* I have NOT received the documentation related to the account that I am legally entitled to. 


Please see the attached copy of the fraud affidavit filed with the FTC and a copy of the police report filed regarding this situation. 

Resolution : Please review the attached documents and mark the account as fraudulent. 
Please let me know if you have any additional questions or concerns. 

I can be reached directly via phone or email .... ( include details ) Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
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. (NC)

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (GA)

Complaint:
XX/XX/XXXX, I was sent a copy of change of terms letter -dated XX/XX/XXXX, from us bank concerning XXXX change, from XXXX XXXX rewards visa credit card to XXXX XXXX world MasterCard , which stated the new card would be received between mid-XX/XX/XXXX and XX/XX/XXXX, by me.letter stated that my old Visa card would deactivated 60 days after my old card is issued or 30 days after I activated my MasterCard.i never was sent my new XXXX XXXX MasterCard by late XX/XX/XXXX.my XXXX XXXX Visa card was carelessly deactivated by us bank-XXXX, at least.late XX/XX/XXXX.i could not make purchases and my automatic payments were  found to be rejected, in late XX/XX/XXXX and XX/XX/XXXX and probably XX/XX/XXXX.us bank and XXXXboth lied on change of terms letter, because I finally called us bank to ask why my card would function, then I was told by a representative that my XXXX XXXXXXXX   Visa card had been deactivated, even though I had not received my new XXXX XXXX MasterCard by XX/XX/XXXX - XX/XX/XXXX.i had to request a new XXXX XXXX MasterCard in XX/XX/XXXX,  but advertisement latter that the new card arrived withinhad XX/XX/XXXX marked on bottom of letter.us bank representative falsely told me that I would receive two XXXX XXXX rewards cards in mail, but I only received the XXXX XXXX MasterCard from XX/XX/XXXX requested order, which means no new MasterCard was sent to me, in XX/XX/XXXX-XX/XX/XXXXas stated on XX/XX/XXXX letter.i had no new MasterCard to issued, at time of XX/XX/XXXX nor did I posses a new MasterCard to activate 30 days before  deactivation.therefore, my automatic payments were being rejected, changed, etc. and could not make purchases with my deactivated XXXX XXXX card.after, activated my XXXX XXXX MasterCard in mid to late XX/XX/XXXX, then all my automatic payments obligations needed to charge double for my needed insurance and health care discountaccounts, therefore, all three automatic payments overdrew my new XXXX XXXXXXXX MasterCard. Why did us bank and XXXX abuse me, in this way?

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 2021-01-30
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Firstsource Business Process Services, LLC (AL)

Complaint:
First Source Advantage LLC, address on their website is : XXXX XXXX XXXX XXXX XXXX, NY XXXX and phone number XXXX. 
First Source Advantage has contacted my place of employment by repeatedly calling my place of employment. They call my office at a minimum of 3 times a day. The secretary as well as myself has asked them not to contact me at work. They are collecting for a past due XXXX XXXX account. They sound as if they are out of a call center in XXXX or something. I emailed them a weeks ago asking them to remove my work number and they continue to call. Just XX/XX/2021, I asked them to stop calling my work, verified my employer number to remove from the call list and they call right back the next day and the day after that. They call my work cell phone. They call and change/scramble their phone number to disguise their identity. Sometimes they call the office 3 times back to back and hangup each time. They say ok we will remove the employer 's contact number and then keep calling it. 
My money is low due to COVID 19 and missed several months from work and have been behind on bills every since. I keep explaining the situation to them and now I am scared of losing my job because they keep calling my office. The payment options given by First Source Advantage are too high for me to afford, such as 6 payments of {$1100.00}, or 3 payments of {$2500.00}. I am so scared of my losing my job at this point and don't know what else to do.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation