hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-11-13
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. (NV)

Complaint:
No open account associated with these inquirys and no knowledge of them, please remove and suppress this information, they will not allow me to log into my credit report to even dispute on their website. update my information and remove this incorrect data my name is XXXX XXXX XXXX my phone is XXXX XXXX XXXX my employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my address are XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  AND XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX 1681a ( 2 ) ( a ) ( i ) 15 usc 1666 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B Read A and 2 FREEZE THESE 3RD PARTY REPORTS THEIR WEBSITES MAKE IT IMPOSSIBLE XXXX XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ( Hotel and travel ) XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Hotel and travel ) XXXX XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

Complaint:
On XX/XX/2019, I requested the collection agency, DIVERSIFIED CONSULTANT INC, located at XXXX XXXX XXXX XXXX, XXXX, XXXX, to validate my debt under the Fair Debt Collection Practices Act and have asked to provide the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say i owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : I have advised them if their company fails to respond to this validation request within 30 days from the date of reception, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX, and XXXX  } request shall be sent to me immediately. 

I have given them 30 days to remedy the situation, which is a very reasonable period. And I have received no reply from them, though I did receive a confirmation via certified mail that they have received my letter on XX/XX/2019 usps tracking:XXXX Those actions do not meet the Federal Trade Commissions guidelines that demand collections agency to properly validate the debt upon request. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item.

I have advised them that reporting this account on my credit report, now put them in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect by filing a claim in small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
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: Kashable LLC (MI)

Complaint:
I tried to work with the company to settle the debt initially, and I was met with all kinds of unlawful practices and found the Kashable company to be a Predatory lender. I was forced to believe that I could afford the loan and in the event of termination of employment, they had insurance to help to continue to make payment for you that was included in your loan payments was told when I got the loan in XXXX of 2019. I found out that was completely wrong information when I was inadvertently terminated from my job in XXXX of 2019 I informed them of the termination and that I would like to use the insurance to make payments while I look for another job, the representative told me that no such insurance existed and that I was still responsible for the loan. I was completely misled by this company and would have never taken the loan had I knew they were a predatory lender. They used use aggressive sales tactics and deception to get borrowers to take out loans they can't afford. when I got my stimulus check I had planned to use that to settle the debt as I was looking to purchase a new home during the COVID-19 pandemic and they kept moving the goal post further as I tried to settle during these uncertain times. This debt is affecting my credit on XXXX and it is showing 671 days delinquent. I would like to have this company remove this tradeline from my account as this is my last resort.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Complaint:
I tried to cash a ( XXXX dollar ) check with capital one on XX/XX/XXXX. Shortly afterwards my account was put on hold. After a while I tried to contact them and only got a voicemail. Only after contacting their XXXX support nearly 3 weeks later I finally am informed that the check has NOT been accepted and my account had been closed. I take them at their word and deposit the check in another bank. A week later I received a call from the second bank ( XXXX XXXX ) that my account is being put on hold since I had already cashed the same check! Upon further research, my capital one account appears to still be open and the check deposited. When I tried to get in touch with capital one, I'm still having the same issue of getting a voice mail with nobody ever calling back! As of now it's been over a month with no resolution. This has also affected my standing with ally bank, as they now suspect me of fraud since I deposited the check again that I was told was never accepted. To be clear - my account has been on hold and inaccessible the entire time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
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: Experian Information Solutions Inc. (TX)

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 XXXX {$930.00} XXXX XXXX XXXX XXXX XXXX {$950.00}

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 2022-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (FL)

Complaint:
I opened a checking account with Chime Bank in the fall of XXXX. I also signed up for direct deposit for my monthly Social Security XXXX check. 
I had used the account for several months when I was unlawfully arrested in XXXX  on XX/XX/XXXX. 
I was avle to clear my name and was released on XX/XX/XXXX. 
During the time if my XXXX  my identication was taken over by squatters that had illegally moved into my home. 
They stole all my personal belongings as well as my credit, debit, and gift cards. All my bank accounts had been emptied out and every XXXX of the month they were able to withdraw my money since I couldn't contact the bank while in XXXX. They used my name and ID to try to cash checks open other a counts and buy whatever they wanted. They changed phone numbers emails and passwords so they could get into my accounts. The bank never red flagged my account While in XXXX  I would able to contact the XXXX XXXX XXXX and filed a police report.T Their hands were somewhat tied until I got out of XXXX. 
The investigation continues and several suspects have been identified. 
When I was released from XXXX  in XXXX I contacted Chime by phone to discuss the fraud that had taken place. There were {$7200.00} dollars in fraudulent charges I filed a fraud statement for the transactions from XXXX until XX/XX/XXXX, the entire time I was XXXX  5 days later at the end of XXXX. Chime unexpectedly closed my account and I could no longer reach them by phone only email. 
I wrote over XXXX emails to them showing documentation and stating that it is impossible for me to have used my account because I was XXXX. I never gave anyone permission to use my card whatsoever They stated that there was no unauthorized use of my card and denied my claim no real rreason. 
I provided documentation of XXXX  and police reports. 
My claim was still denied. 
O asked for documentation on how they came to this decision and they refused to provide it. 
They stated my behaviors and patterns indicate that there is no claim. Really? How did I do that while in XXXX? They also stated they have statements. Again ... XXXX This is the most absurd and misunderstanding of bank power I have ever heard of I am truly a victim of ID theft and have been trying to resolve it since this happened. I am XXXX and on fixed income. They allowed criminals to victimize me and turned around and victimize me again Please help me hold them responsible for my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Complaint:
I have tried contacting the company representative was rude and disrespectful also trying to use a cellphone number and address which is not mine to prove the debt was mine without my consent and I didn't consent to any of the information. Then the supervisor did not help the situation which was over two months and now my mom stated I letter came to her address for me and when I open the letter it was from the company and I was upset cause they was using my mother information which is not true and I advised them my identity was stolen twice which I had to report to the sheriff department include provide my fingerprints cause it had to with criminal charges as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Complaint:
I am writing you to inform you that under the F.C.R.A Law XXXX XXXX XXXX failed to notify me at least 5 business days before they reported negative items on my credit report for the month of XX/XX/2019. By law whenever a creditor decides to put a negative account on your credit report they have to notify you at least 5 business days before and they failed to do so. XXXX XXXX XXXX failed to follow the F.C.R.A regulations on when they are reporting negative items on my credit report. They have to be compliant, accurate and specific at all times when they decide to put any negative accounts on my credit report. Under the F.C.R.A Law they failed to provide these notices to me. A failure to notify is a failure to report accurately and also a failure to comply. 
Because they failed to notify me, it is an obligation to remove these items, its not a dispute in this, its a fact under the F.C.R.A Law and this negative items must be removed. Also under the F.C.B.A they failed to provide me with an accurate and up to date balance the month they reported this negative item. How do I make sure that the balance wasnt modified or misrepresented at that time causing these accounts to be late?? In reference to this I would like to see up to date balance from this specific month and how it was justified to be late. How can I be sure that my account was late at those times or if this was a calculations error? I dont have the details, so Im asking for whatever evidence or documentation that they have under compliance.

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 2020-03-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc. (FL)

Complaint:
This weekend a company I have never heard of nor done business with, placed a {$3300.00} collection account on my credit report, for which I am confident I do not owe since Ive never heard of this company. Ive never received a letter from this company, which is a requirement under the FDCPA, so that I could properly dispute it along with the fact that Ive never received any phone calls from this company ... this leads me to believe that this alleged debt is falsely reported to my credit report, which could potentially have a negative impact on me. I would like this removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
I opened this account in early XXXX and closed and paid this account in XXXX XXXX. I noticed on my credit report that the account was still showing I owed a balance of {$870.00} and a monthly payment of {$150.00}, as well as saying I was late two or three times. This information was incorrect, and I emailed them and called on the phone. They asked me to provide proof so I attached pictures of my credit report. They told me it would be fixed, it was inaccurate and would be updated on XX/XX/XXXX. I waiting over a month, and checked my report to find that all reporting agencies had updated except Transunion. I reached out to Transunion filed a dispute and submitted documents to them showing proof the information was inaccurate. On XX/XX/XXXX Transunion said the documents were verified Accurate. I find out today, the last time XXXX XXXX reached out to them to update information was on XX/XX/XXXX, and have not actually check any accuracy on my account. Mind you my email correspondence with XXXX XXXX was on XX/XX/XXXX. Since then there has been no luck, and Transunion should have deleted the account because falsely stated it was verified accurate, when they never spoke with Self lender to verify it's accuracy.

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 2022-01-24
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: EQUIFAX, INC. (SC)

Complaint:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO ACCOUNTS THAT DONT THAT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SinglePoint GI (IA)

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I received correspondence in the mail from GENERAL REVENUE CORPORATION that violates several of my federal rights. On XX/XX/XXXX I sent a notarized affidavit with exhibits to highlight the serious violation of federal law that this company committed. I intend to pursue this matter to the fullest extent of the law being that this company violated my rights and federal law in the process. Fact, affiant is aware and has proof in the attachments labeled as Exhibit A and Exhibit B that GENERAL REVENUE CORPORATION is in violation of 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ) and 15 USC 1692d ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
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. (CA)

Complaint:
There are multiple court records on my credit report about a person with similar name as me but he has a middle name. 

The persons birthday is same as me but the only difference is he has a middle name. I have never been XXXX  in my life and I have always lived in California. This person was XXXX  in Maryland.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
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. (FL)

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frontline Asset Strategies, LLC (NM)

Complaint:
XXXX, which is my phone service was hacked. It was all over the news. It was everywhere right afterwards I started receiving notices from this trust asset strategies, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Reference # XXXX First thing I did was go to XXXX and showed them the notice they said you know what this is not a stationary. It is because this is part of the fraud thing that happened months ago, you do not owe as a XXXX at the den you {$50.00} per month and your account is current. 
The second thing I did was informed this collection agency of that information and ask them for proof and they said something to the effect of about a XXXX which I do not have XXXX  and never have and as a last I heard, other than getting notices from time to time. 

I have no documentation, no proof nothing and it came from some hacker organization that probably does this every day all day long.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
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. (CA)

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Product: Credit reporting 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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, These items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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 2018-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Complaint:
I called in to Citizens bank today to resolve a problem with XXXX XXXX  still showing that the debit card has not been removed from my device. When the Rep XXXX XXXX XXXX failed to resolve the issue I asked to speak to a supervisor. The supervisor regurgitated the same resolve and then disconnected with me after I asked for her supervisor.

Company response to consumer: Closed with explanation