hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-08-26
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MD)

Complaint:
American Express Delta Sky Miles card. When billed {$95.00} annual fee I immediately called customer service on phone to cancel account. Talked to agent, expressed desire to cancel unless they waived fee. Was transferred to 'retention specialist ' line. Was on hold for > 20 minutes then call dropped. Went online, did the same on chat session. I tried at least five times with online chat and phone calls. I was finally able to cancel card, but by then their 30 day time limit to refund next year 's annual fee had passed. In one of the customer service conversations XXXX said would they investigate and respond in 60 days.
Amex effectively delayed cancellation of the card until the fee refund period was over. This behavior seems similar to XXXX making it extremely hard to cancel their service, for which the FTC dinged them, about ten years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (TX)

Complaint:
COMMONWEALTH FINANCIAL has inserted 2 ACCCOUNTS representing different medical companies into my credit file. I have never had any business or obligation with Commonwealth nor the medical companies they represent..NOR have I ever signed any form related to release any medical history to any companies. This is entirely against HIPPA. I am a victim of identity theft and there is a fraud alert on my credit file. Commonwealth can not provide a contract bearing my signature that I have any obligation that I would owe or ever owed them any monies because I never signed one. Commonwealth has never contacted me regarding the attempt to collect a debt yet they just inserted onto my credit file without warning. there is no contract and never has been one. there is no legal proof bearing my signature that proves that I indeed owe monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CT)

Complaint:
Equifax and XXXX  both have a judgment on me on file which was discharged in XXXX-XXXX and refused to remove it from my credit report. XXXX refuses to re-investigate it AT ALL. It is up to these bureaus to make sure they maintain the most accurate information as these items affect peoples lives, even if it means contacting the bankruptcy court directly. XXXX  already did their own investigation this year and the negative bankruptcy was removed from my credit report. It has been 10 years. I want this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Complaint:
I have repeatedly dispute the following items several times and the credit reporting agencies have refused to remove them from my reports. 

XXXX XXXX XXXX {$3900.00} XXXX XXXX {$4400.00} XXXX XXXX XXXX {$9600.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX {$7500.00} All have accounts reporting to the credit bureaus and none have provided me any information of me signing documents or doing any business with them directly. I have demanded 3 times that these items be remove or verified that i have direct business with them and I have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Complaint:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. XXXX {$1200.00} XXXX {$590.00} XXXX {$2400.00} XXXX {$520.00} XXXX {$130.00} XXXX {$130.00} XXXX {$490.00} USDEPEDXXXX {$7400.00} XXXX USDEPEDXXXX {$2100.00} XXXX {$60.00} USDEPEDXXXX {$9500.00} XXXX {$3500.00} XXXX XXXX {$5500.00} XXXX {$18000.00}

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 2023-08-14
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:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06
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:
You are in direct violation of the fair credit reporting act XXXX XXXX XXXXXXXX has violated several of my rights. 

15 U.S.C 1681 sec 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 sec 602 A. Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as a late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.

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 2020-06-29
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EOS Holdings, Inc. (MD)

Complaint:
XXXX University ( XXXX ) XXXX TRUE EOS XXXX XXXX XXXX ( XXXX ) XXXX SCAMMER I have a debt with XXXX University and the rep XXXX XXXX stated that they did not sell my debt to anyone. However, a company called EOS and XXXX XXXX lied in order to collect financial information from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Waypoint Resource Group, LLC (CA)

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
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. (SC)

Complaint:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MO)

Complaint:
This account ( I.C. SYSTEM, INC ) XXXX XXXX XXXX XXXX XXXX, MN XXXX account # XXXX was placed on my credit report XX/XX/2023 with a negative balance of {$14000.00}. I do not recognize the account nor do I recognize the account number. I would like this account removed form my credit 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 2022-01-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (KY)

Complaint:
( Credit Bureau System ) at ( po box XXXX XXXX, Ky XXXX ) has been sending me collection notices in the amount of ( {$1200.00} ) the account opened XX/XX/20 .the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Complaint:
Capital One Bank # XXXX is reporting an account to my credit file with a balance that it should not have. This debt is paid off and I need the entire account removed or updated to show a good account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MI)

Complaint:
My loan is with Navient ( XXXX ) My first complaint is that when my daughter was in the military and the military was going to pay off her student loans my daughter and I asked Navient to release my name from the loan so it could be paid off Navient refused. Therefore the military could not pay it off. 
My 2nd complaint is that I 'm a public school employee so I contacted Navient about getting on the loan forgiveness program and Navient said I would have to pay more on my monthly payments to be in the program but financially I could not afford to do so. 
Lastly when I was forbearance I was charged interest. 
The payment plan I 'm on will result in me paying approximately 51 thousand dollars by the time I 'm done which is almost twice as much as what my original loan was.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Aldridge PIte Haan, LLP (KY)

Complaint:
This information is in addition to Complaint Number XXXX. I just learned that XXXX XXXX XXXX either sold or moved my debt collection to Aldridge Pite Haan. Per their letter dated XX/XX/XXXX, my outstanding balance show {$30000.00}. I have already paid {$11000.00} from Wage Garnishment and another {$27000.00} directly to XXXX in XXXX during my Bankruptcy. The very first notice I received for the Judgment showed a balance due of {$32000.00}. I have tried to call and have sent several communication to Aldridge Pite Haan with no response. When I did actual spoke with someone they basically stated you owe this and we will take every means to receive payment. My question where has all the money I have already paid went too. They are still collecting {$200.00} a check through Wage Garnishment. Contact Information for Aldridge Pite Haan is XXXX or website www.aph-law.com Any assistance would be greatly appreciate. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
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. (IL)

Complaint:
report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2021-04-16
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. (AZ)

Complaint:
Discovered that XXXX does not report late payment greater than 30 days and that they only report greater than 90 days. On XX/XX/XXXX, according to agent XXXX XXXX with agent number of XXXX, he stated that my loans went out of deferment and the first loan payment was due XX/XX/XXXX, over 6 months later. Credit reporting agencies show that the loan was reported as " ok '' from XX/XX/XXXX thru XX/XX/XXXX. According to their records, they did not start reporting late until XX/XX/XXXX. I was not notified of loan coming out of deferrement status and in turn the loan has late payments from XX/XX/XXXX thru XX/XX/XXXX due to the false reporting of XXXX. They reported my loan as " ok '' from XX/XX/XXXX thru XX/XX/XXXX, when it was in reality in default. The loan has since been sold to XXXX and they are refusing to edit their false reporting of payments to all three credit bureaus. I have also included a deferment approval letter stating that my loan payments were never due. XXXX never communicated with me to notify me of loan payments being due.

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 2018-08-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (LA)

Complaint:
On XX/XX/2018 I requested that XXXX XXXX validate NOT verify a debt they are attempting to collect from me. I asked for a signed agreement and other supporting documentar. They provided me with billing statements which does not prove that I'm obligated to pay them anything. They have reported delinquent information to the credit bureaus that I'm asking to be deleted.

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 2021-12-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc. (GA)

Complaint:
Innovative Recovery , Inc. continues to pursue collection of a debt they know to be entirely invalid. The claim is on behalf of XXXX XXXX XXXX ( XXXX XXXX XXXX ), for a fabricated account ledger. 

Background : In 2018 XXXX terminated my lease and evicted me from the apartment. It's worth noting that I had never been even 1 day late on any rent payment in 6 years living there. The eviction was part of a group of 30+ evictions of longstanding tenants, immediately following a change in management. This is a matter of public record ( XXXX XXXX magistrate court ). 

At the eviction hearing, they and I signed a consent agreement sating that " Tenant agrees to vacate the property on or beforeXX/XX/2018 at XXXX XXXX XXXX Plaintiff dismisses its monetary claim. '' I vacated by the agreed-upon date and left the keys in the apartment ( they did not have a drop-box ). I have photos and a moving receipt to corroborate that the apartment was in-fact left vacant ( and clean ) on the required date. 

Despite my move out as agreed, they decided to file a collection for all rents due through the original lease end date, plus late fees, utilities, and interest totaling {$8500.00}. 

The lease itself states that " In lieu of liability for the remainder of the lease term for breach of the lease... Management shall be entitled to recover liquidated damages from Resident in the amount of {$1100.00} as the estimated rent that will come due after management obtains possession of the apartment through either the end of the lease term or the re-letting of the apartment to another resident. '' And, that {$1100.00} ( equal to a single month 's rent ) was dismissed by the court order. 

No balance is due on this account. 

I have repeatedly sent all of the documentation and supporting information to Innovative Recovery and requested that they send me a written notice that the claim has been dismissed and the account closed. Instead, they entirely ignore my requests, and continue to send me statements demanding payment of the false debt. 

Calling them is of no help, as their representatives only ask how I will pay them, and hang up on me as soon as I tell them the debt is invalid and won't be paid. 

They have previously reported this false debt to my credit report, causing damage to my credit, resulting in declined credit, and costing me higher interest rates and therefor significant expense. They have since removed it from my credit reports, with no trace of it having been there ( though I have the prior reports showing it ), after I informed them I intended legal action for their violation of the FCRA. 

The fact that they removed it seems to indicate that they are aware it is invalid. Yet, they continue to harass me for payment, in direct violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
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. (GA)

Complaint:
This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXBalance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXBalance : {$0.00}, XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXX Balance : {$400.00}, XXXX XXXX Balance : {$20000.00}, XXXX XXXX  Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Complaint:
The credit bureaus all have false and or misleading information on my reports which is a direct violation of my rights, this is grounds for removal, my rights were violated under ; 15 U.S.C 1681 section 602A. states i have the right to privacy.

15 U.S.C 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX mi XXXX, XXXX XXXX XXXX XXXX XXXX XXXX michigan XXXX XXXX XXXX XXXX XXXX mi, XXXX XXXX XXXX XXXX XXXX XXXX Four different variations of my name its only " XXXX XXXX '' this the only name with consent to be on my reports. 
Phone numbers XXXX, XXXX, XXXX, XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as you can see multiple violations on behalf of my rights.

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