hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (SC)

Complaint:
total amount of false debt {$230.00}. 

IC Systems debt collection company for XXXX. This company is trying to collect a cable TV bill. I advised this company this was not my bill. They provided a falsified XXXX  bill dated XXXX stating the total balance due at a certain address was {$230.00}. I have not lived at that address in XXXX  years. 

IC Systems has also notified the credit bureau of this false delinquent loan which will adversely affect my ability to obtain credit in the future

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 2017-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IA)

Complaint:
I discovered a collection on my credit i did not know about. After completing my contract with XXXX a charge was added to the account that was later described as a equipment fee. I had no information of this debit and requested proof it was valid. I received nothing. After 60 days i again called and was given only a phone number to a collection agency named convergent. I called and spoke with them requesting proof i owed this debit and it was valid. I also placed a letter in the mail with these same requests later that day. I received nothing. After another 30 days i called back to make a final attempt to resolve the debit. The agent i spoke to offered me a settlement that included a complete deletion of the account from my credit report and a paid in full status. She made the case that the settlement was cheaper and faster than getting a attorney. Because this false debit was causing great hardship to my family by preventing the refinance of my home and the agent knew this i felt blackmailed into the arrangement. I agreed and gave my credit card number and awaited the documentation of this agreement in the mail. After another 30 days with no documentation, no deletion from my credit report, and no return communication from repeated phone calls i contacted my credit card company. They opened a fraud case. XXXX XXXX determined the false statements and deceptive agreements along with the complete absence of agreed documentation made by the agent to obtain my credit card number met their requirements for fraud and they promptly reversed the charges. The collection agency responded by placing a second collection on my credit report. So at this time they are reporting two accounts. Injuring my credit further. I am at this time reviewing local attorneys to begin legal action against the collection agency. They blackmailed me with inaccurate reporting info, lied to me to get my credit card number, provided not one piece of requested documentation, and falsely placed a second new collection account on my credit report. I have no documents as they refuse to send anything. If you need copies of the fraud finding by my credit card company i can produce that at any time. However absolutely no bills, letters, or documentation of this debit of any kind has been received by me at any time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SYNCHRONY FINANCIAL (NC)

Complaint:
I am in the process of filing Chapter XXXX bankruptcy - however, I received a notice via email from Paypal Credit that stated " If you are going to receive a tax refund check, please consider paying PayPal Credit. '' This should be considered deceptive collection means under the FDCPA, as it is insinuating that funds refunded by the government should be used to pay a debt, which the creditor can not request. If the creditor continues their harassment I will have no choice but to seek suit ( possible class action ) against them for attempt of collections by unconscionable means.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-23
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AmerAssist A/R Solutions, Inc. (MI)

Complaint:
A company called Amerassist has called my Mother in Law, my Father in law and a very distant cousin of mine, who I do not even have the contact information for myself, and has shared with them that they are attempting to collect a debt from me asking for information. They have called them on private home numbers and cell phone numbers, even after they ask to stop being contacted. I am unaware of any debt owed, and they are harassing people that I do not even speak with about alleged financial issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (DC)

Complaint:
SOMEONE USED MY IDENITY TO OPEN A CITI BANK CREDIT CARD WITHOUT MY PERMISSION.

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 2023-01-30
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. (FL)

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All these accounts have 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP (MA)

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
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. (MO)

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a account under open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
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. (PA)

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report on the previous files. I am a victim of identity theft and did not authorize these charges. I am asking that these charges on my report be removed to correct my credit report. I have already reported the theft to the Federal Trade Commission 's Identity Theft Affidavit. I would greatly appreciate that these charges are deleted from my report as soon as possible because it is hindering me. I would like to advance my lifestyle and I would need these things situated as soon as possible to do so.

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 2018-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (FL)

Complaint:
I was student at the XXXX XXXX XXXX. The school was closed for fraud by the FBI and I am under the term and conditions to remove my loans from the mentioned school. 
Currently I'm living in XXXX, Florida and I can continue my education because is not recognized by the college I'm trying to attend. The College name is XXXX XXXX XXXX and the new student personnel they explain me they can not accept any credit from the mentioned college and the only solution is start over again. 

I owe more than US18,000.00 in student loan and I'm frustrated because I have not graduate, I can't continue my education for the issue explained above. 

I hope you can bring me light to my case. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
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. (NV)

Complaint:
While looking at my report I found an Old XXXX XXXX XXXXXXXX Account that does not belong to me. 
I Confirmed with XXXX XXXX XXXXXXXX that account does not exist. 
I believe I am a victim of fraud. 
I have asked Experian and XXXX and all the credit reporting agencies to please remove. of all the credit reporting agencies. XXXX already removed it. 
Please remove this 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 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

Complaint:
XXXX and XXXX have no results of this account reporting remove XXXX XXXX from Equifax its fraud attached FTC report to Equifax confirmation number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-26
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. (NJ)

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$230.00}, {$6100.00}, {$7200.00}. 
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 finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$230.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not 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 2020-11-12
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: J J Marshall & Associates, Inc (PA)

Complaint:
I have disputed this debt because I do not know who JJ Marshall and Associates are, they are on my credit, I have never applied for or done business with them, and they sent me medical billing information. I believe this violates my rights according to HIPPA. I have also demanded several times that they stop calling me, to no avail. PLEASE HELP ME!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Complaint:
online information ser account # XXXX this is not my account. I have never signed any agreement or obtained and debt with this company. Please make this company verify a copy of any detailed written and signed agreement or information holding me responsible for this 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 non-monetary relief
Consumer complaint received 2023-08-10
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: Experian Information Solutions Inc. (GA)

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-10-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Everest Receivable Services Inc. (TX)

Complaint:
Individual by the name under XXXX XXXX conacted me and right from the start began asking to verify my address to send paperwork, asked numerous times to id herself and finally she did so, then at that point gave partial call disclosures. The Debt Collector claimed I owed XXXX to XXXX XXXX XXXX through their store card XXXX. This was the first time I ever heard from this debt collector nor did I ever receive anything in mail give me the chance to dispute the amount of item The agent and her supervisor was pressuring me to pay the debt at once advised did not have that kind of money, then started pressuring me to make monthly payments that were unrealistic and could not make at that point my wife had enough of their games and yelled at them, supervisor came back with an abusive comment pay your bills, and asked do want to settle this debt.This Occurred on XX/XX/XXXX Friday morning around XXXX, we did file complaint with Texas AG office and waiting for word back from them. Agency needs to DEMAND to produce the call recording tape as the violations are quite BLATANT!!!!

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 2022-04-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

Complaint:
The credit reporting agencies are not in compliance with FCRA rules when investigating disputes. I am requesting a thorough investigation in a timely manner. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (VT)

Complaint:
I have an issue with my loan servicer. My loan servicer was Great Lakes Borrowing for over 10 years, they transferred my loans to Nelnet without my consent. As a result of this switchover my credit score has dropped over 40 points as they've reported my account closed, wiping out over 10 years of history on this account. This seems extremely unjust as I've worked hard over a decade to build up my score and have never once missed a payment. Please tell me how this is fair to me as a borrower. I've reached out to them and they've told me " that's how it is ''. I demand some kind of action. 

FURTHER, they've deleted ALL of my payment history and now neither Nelnet nor Great Lakes have any information on my payments, for over a decade! Please urgently advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
I hate this! I already spent a lot of months sending disputes and filing complaint but I don't see any results from my disputes. This is really hurting me and giving stress to me.

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 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (IL)

Complaint:
Ive sent validation letters to this company and I received no response. Theyre ruining my credit & its affecting my life. Theyre violating The Fair Credit Reporting Act, 15 U.S.C .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation