hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2016-08-31
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: GLA Collection Company, Inc. (IL)

Complaint:
Hi, I had previously filed a complaint with your company regarding this debt collection agency. They had stated to you guys that they had found the accounts in question, and claimed to have requested removal from all my credit bureaus. I have n't seen it yet!!!!!!! The accounts were under my maiden name which I do not use anymore. This is pathetic that I have to contact you guys regarding this! This was from GLA Collections Company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (WA)

Complaint:
XX/XX/XXXX/XX/XX/2015, I closed an account with XXXX because service was not available in the area I had recently moved to. Upon terminating the joint contract with XXXX and XXXX, I was told that my final bill was paid in full. In XX/XX/XXXX, I received a notice from Afni, a debt collection company, notifying me that an account of mine had been placed with them for collection. When I called Afni to dispute, I was informed my failure to pay had already been reported to credit bureaus. When challenged, the Afni representatives said there was nothing they could do to reverse this. I am currently in communication with XXXX to remove this information from my credit report and rectify this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
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: Early Warning Services, LLC (GA)

Complaint:
I lost my wallet a year ago and now someone opened a XXXX  account in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
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 am m submitting this CFPB complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX. 



According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2018-12-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (FL)

Complaint:
I have asked that this debt be removed from all 3 credit reports. So far this company removed from 1 ( XXXX  ) but not the other two. This debt is fraudulent and does not belong to me. Please provide original signed agreement with my signature to prove this debt. I have proof of identity theft and will provide police document if necessary.

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 2022-11-04
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. (GA)

Complaint:
It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the following bankruptcy that needs to be removed in my file : XXXX XXXX  Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX  Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX XXXX XXXXXXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
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. (TX)

Complaint:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 
This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-09-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pacific Credit Exchange Corporation (TX)

Complaint:
Collection Agency PACIFIC CREDIT EXCHANGE XX/XX/2021 Account Number # # # # # # # # # # # # # XXXX {$4600.00} that I owe I have never signed any written document saying that i owe this debt to this collector. 
they are violation my right of the FCRA as a consumer. 
I do not know who they are and not written consent from my end. 
also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 

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 explanation
Consumer complaint received 2020-09-13
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: TRUIST FINANCIAL CORPORATION (IL)

Complaint:
Three inquiries hit my credit report in the past week. I even locked my credit profile on all 3 Credit bureaus and the inquiries still managed to be pulled and put onto my report. This caused a major drop in my XXXX  credit score (  over 50 points ). I need these 3 inquiries removed immediately. I have not authorized any such action to be done on my end. These are the three I need removed. These were reported to XXXX REGIONAL ACC XX/XX/2020 XXXX XXXX   XX/XX/2020 XXXX/XXXX  XX/XX/2020

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 2022-12-19
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: EQUIFAX, INC. (TX)

Complaint:
In accordance with the Fair Credit Reporting act the following XXXX accounts has violated my rights. 
15 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. 

XXXX XXXXXXXX XXXX Opened XXXX {$56.00} XXXX XXXX XXXX XXXX Opened XXXX {$100.00} SPECIALIZED XXXX Opened XXXX {$110.00} XXXX XXXX XXXX  Opened XXXX {$180.00} XXXX XXXX XXXX Opened XXXX {$220.00} XXXX XXXX XXXX  Opened XXXX  {$290.00} XXXX XXXX XXXX Opened XXXX {$720.00} XXXX XXXX XXXX Opened XXXX {$1000.00} XXXX XXXX XXXX Opened XXXX {$1000.00} XXXX XXXX XXXXXXXX XXXX Opened XXXX {$1100.00} XXXXXXXX XXXXXXXX XXXXXXXX Opened XXXX {$1100.00} XXXXXXXX XXXX XXXX  Opened XXXX {$1800.00} XXXX XXXX Opened XXXX  {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bliksum, LLC (CA)

Complaint:
Right NOW i am going through a financial hardship. I advised LOAN me not to call my employer. Today at XXXX PC a rep by the name of XXXX contact me ... i asked why was she calling my employer ... i told her i advised them not to ... she then went on to try to discuss a settlement while im on the phone at work. This was embarrassing and can cause me to lose my job!!!!!

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Complaint:
XXXX lists a charged off credit card account with XXXX XXXX reporting late every month, in accordance with the Fair Credit Reporting Act XXXX XXXXXXXX accounts XXXX, XXXX and XXXX has violated my rights. 15 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 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason I requested method of verification from XXXX XX/XX/22 and they have failed to comply with the 15 day limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Complaint:
XXXX   XXXX ,  XXXX  received a statement on a Bank of A merica Visa Card th at showed {$4500.00} new charges that are not mine. Called immediately spoke with fraud they said they would investigate.Canceled the card. Received a letter mailed  XXXX   XXXX ,  XXXX  saying they would investigate and issue temporary credit pending conclusion of investigation.   Never heard anything until I called them today to reveal that they had issued a replacement card, chip embedded, to someone who committed the fraud. It 's a card that I last used in  XXXX  and before that  XXXX  for charges less than {$40.00}. It 's a back up card that I simply continued to hold because it only had an annual fee of {$12.00}. The fraud was committed  over a two day period. On the third day the card was rejected fraudester called in and was told to bring i t into a branch.Which they did not and the problem stopped. There were fraud charges on the card to an electric utility to pay a personal bill, and truck rental which would also have yielded info on who is the culprit. All this and B of A never even called me nor even when they found out someone had my SS #, Address and Birthdate which they used to get the replacement card. I went int o a Branch today demanding action to find out what they knew so I could ascertain the identity theft damage. Found out they will not release any info to me until I fill a police report and they file a supoena, Time frame uncertain to complete. All this time has passed and someone out there has my identity info. B of A has done nothing to stop it or help me with info to protect myself. Asked for a Supervisor today and was told up to 48 hours for a response. I am just looking for the information to  protect my financial rear end- and they will not even help nor acknowledge their complicit behavior!

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 monetary relief
Consumer complaint received 2020-12-30
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. (OH)

Complaint:
Experian has prevented me from accessing my account for for inability to identify me. There is no number to call to get help. There is false ( fraud ) that the agency allowed to be placed onto my account, but offer no real remedy.

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 2023-07-14
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: General Motors Financial Company, Inc. (NY)

Complaint:
I DID NOT SIGN ANY AGREEMENT THAT GM FINANCIAL COULD FURNSH MY PERSONAL INFORMATION TO ANY COMPANY, WHICH IS A VIOLATION OF 15 USC 6821A. THIS IS AN ADVERSE ACTION AND IDENTITY THEFT. THIS IS ALSO A CLEAR VIOLATION 15 USC 1681B ( 2 ). THE REPORT OF 2 ALLEGED LATE PAYMENTS TO MY ACCOUNT XXXX IS NOT VERIFIED, WHICH IS A CLEAR VIOLATION OF 15 USC 1681A ( 4 ). THE INFORMATION PROVIDED TO THE CONSUMER REPORTING AGENCIES OF LATE PAYMENTS ARE INACCURATE AND A DEFAMATION OF MY CHARACTER, WHICH IS VIOLATING 15 USC 1681E ( B ) AND 15 USC 6821A ( 2 ). THIS INCORRECT REPORTING IS CAUSING DENIALS WHENEVER I'M TRYING TO EXTEND MY CREDIT FOR PERSONAL, FAMILY AND HOUSEHOLD USE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (KY)

Complaint:
Every time I tried to use my card it would be declined, then I would have to call the bank and they would say they thought it was fraud. Then also the returned every check I wrote due to insufficient funds, when there was money in my account

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 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (FL)

Complaint:
Navient is reporting to XXXX that I still owe their company {$5000.00} on a student loan that was consolidated and transferred to XXXX XXXX. I have tried to fix this error with Navient numerious of times. This is a violation of the FCRA federal law. The balance owed should be reporting as a zero balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IA)

Complaint:
After reviewing my most recent credit report I see an account listed for XXXX, however I see that the information listed for that account is incorrect and such incorrect information will further increase the negative impact on my credit scoring which is unfair to me as a consumer. Experian has this account listed with incorrect DATE OPENED of XX/XX/2020. I spoke to XXXX and entered into a payment arrangement ( attached is text from XXXX confirming the payment arrangement ) so why is this account being listed as in collections, when I am clearly in an agreed payment arrangement which does not need any further collections activity or status or notifications. Why has Experian not conducted the correct due diligence in reporting this account, their actions either negligent or willful misconduct can have caused an unnecessary further damage to my credit report and overall credit scoring.

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 2018-04-20
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. (CA)

Complaint:
The whole issue we are trying to resolve is I refinanced and didn't receive anything in the mail from XXXX XXXX untill you called in XXXX saying I missed XXXX payment and I didn't know you billed me. I was waiting for my first statement. So when I got the call the XXXX payment was missed ... I didn't know where to remit payment and I paid both XXXX and XXXX together. After that I had the payment details and was able to continue paying. 

Because I refinanced and got a new lender I was unaware when and when to pay. Please remove 30 days late reported inXX/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 2022-07-01
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. (NC)

Complaint:
On XX/XX/27 I sent a 609 letter to each bureau, transunion, XXXX and XXXX  on behalf of inaccurate information reporting on my credit report. I have not received any response from neither bureau. Please investigate on behalf of my disputes sent on XX/XX/27. 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 2022-08-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Google Compare Credit Cards Inc. (OH)

Complaint:
On XX/XX/XXXX I noticed my debit card had been charged XXXX times at XXXX dollars each totaling XXXX dollars for google play. I have a monthly recurring charge of {$6.00} for XXXX aware services and hundreds of dollars of Google equipment in my home. Google will not return these unauthorized charges due to my prior/current recurring payment history. I have disputed these charges once through my financial institution and twice through google as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TN)

Complaint:
I opened my Citi Credit account on XX/XX/XXXX. I qualified for a special balance transfer APR and tried to submit a balance transfer from XXXX XXXX. Upon hitting the submit button, the website told me that my request could not be completed. Since I did not have the card yet, it would not let me create an online account to try to re-submit the balance transfer. 

On XX/XX/XXXX, I received my card. At the time, there was no balance transfer completed on my account or pending. I went ahead and submitted a second balance transfer since the first one did not go through. 

I woke up to a notification on XX/XX/XXXX that BOTH balance transfers were now pending on my card. I was charged TWO balance transfer fees. I immediately contacted Citi Customer Service and was told to contact XXXX XXXX since the balance transfer was pending to stop the transfer. Citi advised if both posted to my account that they would credit back one of the fees to my account. I contacted XXXX XXXX and was told that there was no way to stop the balance transfer at this point. 

I contacted Citi again and was told to contact them once I made a payment on my account and once the fees posted. I went ahead and dropped a large sum to cover most of the balance transfer. I contacted them again and was told that the fees were still pending. I contacted them after confirming the fees have posted and today XX/XX/XXXX, I was told that all 3 previous reps have given me false information as there is no way to credit me back a balance transfer fee and that it is my fault that I submitted two balance transfers. I asked Citi to please check all the messages on my account because they have clearly communicated to me that they would credit the fees back once posted on 3 separate times. Today, Citi Bank still fails to credit back one of these fees.

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 monetary relief