hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2019-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Milby Law Offices P.A. (KS)

Complaint:
On XX/XX/XXXX I received notification from my employer that they were served a garnishment on me from Milby Law office in XXXX for a XXXX Limited actions case out of XXXX XXXX. I attempted to contact the law office to advised them that this was included in a bankruptcy in XXXX. XX/XX/XXXX I finally was able to speak to XXXX XXXX in the law office who stated there was this garnishment and two others they were going to take out of my check. I advised her again i was unaware of this debt or the others. She said that it had been served to an old address. I advised her this case was included in a bankruptcy and that on the other 2 garnishments that I was not made aware of them but if we could set up an agreed payment arrangement I would like to do that. She advised me I legally could not due that and it's been sent in for garnishment and there is nothing I can do now. I advised her I knew this was incorrect because I have a current garnishment I am paying on with another law firm and the garnishment is a set amount each paycheck. XXXX said " Sweetie I work in a law firm, you don't '' she told me I had no rights to dispute this debt or to do anything in regards to making a payment arrangement because they have already sent it to my employer to take it out of my paycheck. When I asserted that I did know my rights and that I have the right to she got mad and said " I just can't do this, '' and then proceeded to hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
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. (TX)

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$810.00} ; XXXX XX/XX/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 explanation
Consumer complaint received 2021-10-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

Complaint:
On XX/XX/2021 I sent out letters to credit bureaus regarding incorrect accounts I have in my credit report. And up until now, I can still those accounts in my credit report. Why must they take this long to handle this situation. Not knowing what is going on has become stressful and I urge you to find out what is going on. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

Complaint:
My name is XXXX XXXX XXXX, I've became aware of the following addresses being on my credit report. The addresses listed are inaccurate and I would like for them to be removed : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX  XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I'm also requesting for the following phone numbers to be removed : ( 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 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: Sequoia Financial Services (CA)

Complaint:
The company Sequoia financial has been charging interest on my collection to count which they acquired from the city of XXXX in 2015 my 1st issue is that they should not be reporting it on my credit report anymore due to it being over the statue of limitations for the state of California 2nd For the past 3 years I have been noticing the account has been acq Interest And from my understanding A collection company can not charge interest on a debt that they you purchased.

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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Complaint:
In the past 17 years I have paid ALL of my accounts on time. I have not been contacted by anyone from XXXX XXXX XXXX XXXX XXXX XXXX  via phone or mail regarding this account ever! It just showed up on my report! I have tried to resolve this issue with Transunion with no success. There are multiple people that have experienced the same issue with XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX  XXXX {$900.00} - - - Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2021

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 2020-12-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (CA)

Complaint:
more than 4 months i received collection form XX/XX/XXXX regarding my previous renter with collector company named Hunter Warfield for amount of {$1300.00} but i have 2 judgements against this i called XX/XX/XXXX and start dispute more than 7 times but no responds from them so i need to remove this collection from this company in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Complaint:
I'm submitting disputes about unauthorized accounts and fraudulent activity opened on my credit report without my knowledge. The information was compromised. My information has been being handled improperly. The inquiries and collections below need remove. In accordance to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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  Requested On XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, eliminate the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
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. (AZ)

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GREAT LAKES (WA)

Complaint:
I placed a complaint a few months ago and that complaint went nowhere so I am here now sending in another complaint. I owe {$57000.00} to Great Lakes who took over the loan for XXXX XXXX. XXXX XXXX went bankrupt in XX/XX/XXXX. I attended XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I feel that XXXX XXXX took advantage of not only me but to Great Lakes as well. It does not seem fair in any way that I should have to pay my loans to Great Lakes knowing that XXXX XXXX continued to provide education to me knowing they were in financial stress. I can't be the only person complaining about XXXX XXXX so I just hope this leads somewhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
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. (TX)

Complaint:
I've recently been getting updates and warning about my personal information being on the BLACK WEB. So I've been looking at my credit report and noticed XXXX XXXX XXXX on my credit report and I have never had or applied for a account with this company. This account shows to be open since XX/XX/ 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

Complaint:
Portfolio Recovery has listed a debt on my list of creditors that I wasn't notified about through any form of communication. I was not afforded the opportunity to dispute unverified debt they purchased from XXXX XXXX XXXX division.

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

Complaint:
Contacted company and was gave them concerns regarding account being continuously reported to credit bureau due to negative impact on housing market. Confirmed that they sent in a request for negative reporting to end for account, however it is still showing as negative on report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
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: CITIBANK, N.A. (FL)

Complaint:
Accounts/ inaccurate information reflecting on my credit file. These accounts do not belong to me and was not authorized neither do I have any knowledge of. I am a victom of identity theft and am requesting that these accounts be removed immediately. XXXX COLLECTIONS, XXXX XXXX XXXX, BLOOMINGDALES, XXXX, XXXX, XXXX. Thank you

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 2023-01-17
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. (NJ)

Complaint:
I noticed a few accounts on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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. (AR)

Complaint:
I am not liable for this debt with XXXX XXXX XXXX XXXX for {$980.00}, I do not have a contract with the collection agency, they did not provide me with original contract as I requested. Ive recently in the month of XXXX ask for debt validation from the debt collector and they refused to provide it. According to Law violation 15 U.S.C 1681G, I asked if they could validate this information and they refused. I ask to validate the information below : Please provide me with the original purchase agreement here.

A breakdown showing proof that Im liable for this debt with my name/signature showing Im going to pay {$980.00}.

A contract between you and the original creditor.

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 2023-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Avant Holding Company, Inc. (CO)

Complaint:
I have been having an issue with Avant Financial which is the credit card issuer. Since around the end of XXXX I have not been able to login or access my online account either on Avant 's website or their mobile App. I have tried contacting them over 8 times with my initial contact on XX/XX/22 at XXXX XXXX  mountain time and have never received a response. I have reached out on their XXXX, XXXX and XXXX and have gotten no response either. 

Every time I call or get a call from their agents they are unable to access my account and constantly tell me " Our system is undergoing maintenance '' and that is the same message I get when I attempt to login to my account. I have tried resetting my password and still get the exact same issue. 

When I have called and set up a call back time with a supervisor I get no response, besides " we have escalated this call '' and " there is no supervisor available '' every single time. 

I am not getting any statements and occasionally I am getting emails with different people 's names instead of mine. 

I have been charged late fees and interest, non-payment records have been reported to my credit report and I still get zero support when I contact this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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: EQUIFAX, INC. (IL)

Complaint:
Equifax informed me ( in the past, after over 1 year of investigations on my part ) that they " somehow SPLIT '' my Personal Credit Report into 2 SEPARATE Credit Reports due to an " INTERNAL ERROR ''. This created 1 NEGATIVE Credit Report that was shared with ( potential and existing ) Creditors, and 1 POSITIVE Credit Report that was " HIDDEN '' from the world. Equifax has continued to erroneously report ( or Delete ) positive Credit data from my Credit Report, but still manages to report NEGATIVE INFORMATION! This CFPB Complaint shows that EVERY SINGLE POSITIVE TRADE LINE which I am an AUTHORIZED USER ( AU ) of, ( including Terminated but still Positive AU status tradelines ) has been REMOVED from my Equifax Credit Report, yet still REPORTS ON THE 2 OTHER CREDIT BUREAU Reports. These positive AU Tradelines SHOULD BE REPORTING, as the AU Creditors are telling me that they ARE STILL REPORTING THE POSITIVE INFORMATION TO EQUIFAX. This is a CLEAR indication to me that Equifax CONTINUES to attempt to ILLEGALLY SUPPRESS my Positive Credit History and has been doing so for more than 3 YEARS. I will now list all Positive AU Tradelines that Equifax has removed or is illegally attempting to suppress from my Credit File : ( XXXX ) ( Account # XXXX ) ( Limit {$1200.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX ) ( Account # XXXX ) ( Limit {$2000.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX ) ( Account # XXXX ) ( Limit {$5000.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX XXXX  ) ( Account # XXXX ) ( Limit {$13000.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX ) ( Account # XXXX ) ( Limit {$3500.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX ) ( Account # XXXX ) ( Limit {$3500.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX 'S ) ( Account # XXXX ) ( Limit {$1500.00} ) ( Opened XX/XX/XXXX ) DELETED ( XXXX ) ( Account XXXX ) ( LIMIT {$3500.00} ) ( Opened XX/XX/XXXX ) DELETED Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (WA)

Complaint:
On XX/XX/XXXX, and XX/XX/XXXX I made deposits to the a US BANK ATM ( ~ $ XXXX and XXXX respectively ). Oddly, both deposits amounts were canceled by the bank, with the $ XXXX being reinstated same day, but the other being held ( there were two checks in this held deposit ). It was apparently held because one of the checks written around didn't match the dollar total. I was not contacted. On XX/XX/XXXX I was doing an audit of my account and saw this discrepancy of over $ XXXX in my account. I traced it back to this issue, which was had been held since XXXX, again without any communication. Contacting the bank on XX/XX/XXXX, I was told it appeared to be an error, and the issue would be escalated, and they'd reach out to me the following morning. On XX/XX/XXXX I called the bank at noon, having not heard back. Working with a new individual, he told me that he was talking to the person that held the deposit, and an error had been made, but that now the check was released. I pointed out that the total amount ( $ XXXX ) was still not in my bank account. He then told me that it was because the checks were returned to their bank of origin, and that I'd have to reach back out to those individuals and have them write me new checks. This, however, is not an option. It's not clear why the entire deposit was removed from my account and sent back, why one of the checks was held, and why there was no communication about any of this until I did my audit. Further, US Bank is not taking accountability for removal of these funds from my account, and I've seen no evidence of the supposed mis-matched check.

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 2015-06-16
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC (PA)

Complaint:
I sent a debt validation letter to Cavalry Portfolio Services multiple and no response. However this company is reporting negative information to my all XXXX credit bureaus monthly.

Company response to consumer: Closed with explanation