hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2019-08-20
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: BARCLAYS BANK DELAWARE (NC)

Complaint:
I've contacted XXXX several times in the major fraud division and also they have a police report on file . Have several inquires on my report that are not mine and did not apply for credit . I contacted the creditors directly and they said you have a police report on file with XXXX please tell them to remove them by the police report . Transition states no they will not .1. XXXX XXXX XXXX XXXX (2) inquires  2. Barclay Bank (2) inquires 3. XXXX XXXX  (1)4. XXXX (1)

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 2016-01-04
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Navient Solutions, LLC. (KS)

Complaint:
General Revenue Corporation sent a letter dated on XX/XX/XXXX about an alleged debt I do not owe. In the XXXX paragraph they state that it is their second attempt to notify me of the debt yet they have never contacted me before nor have I ever heard of General Revenue Corporation until today XXXX/XXXX/XXXX when I received their letter. Nowhere on the letter does it say I can dispute the debt. Also there are XXXX different addresses listed on the bill in XXXX different towns out of XXXX different states. The average consumer would have absolutely no idea what address to send a dispute to. 

The letter claims that I owe for a loan where I have never taken a loan for whom they are claiming to collect for in their letter. 

Absolutely none of my rights are stated in their letter to me and the language used is to demand payment giving me no option to dispute anything regarding their false claims with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

Complaint:
Chase has closed my account to fraud! SBA LOAN! However they have only provided me with an email address for for further action, no one responds from the email address given in 2021 the funds have not been returned and I need to know where it is, when will they get returned? Chase states they no longer have funds! So where are the funds? Is my question and how can SBA retrieve them!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
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. (MI)

Complaint:
XXXX XXXX needs to PROVE they are NOT violating Michigan law by NOT having a license to do business in Michigan According to multiple Government reporting agencies, XXXX XXXX XXXX XXXX is NOT licensed to do business in my state of Michigan. Therefore they are doing business ILLEGALLY and therefore are not allowed to pursue me or any accounts in my name in my state. 

XXXX XXXX  needs to PROVE they are NOT violating Michigan law by NOT having a license to do business in Michigan

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 2018-05-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (AZ)

Complaint:
On XX/XX/XXXX I received a written communication from IC Systems in XXXX. XXXX MN offering to settle a debt for 25 % of the balance owed. The account is on behalf of my son and I am the individual financially responsible. The written correspondence came directly from the company and stated the percentage amount and amount to be payed to settle the debt completely. I contacted the company on the morning of XX/XX/XXXX and spoke with an individual stating I could pay the amount via their online payment center. I paid the amount stated in the correspondence received from IC Systems to settle the debt in it's entirety on XX/XX/XXXX. I then contacted IC Systems to confirm receipt of the online payment. They confirmed, however, they then said that the offer sent dated XX/XX/XXXX offering to settle the debt for 25 % / {$480.00} was incorrect and that additional money was owed. I stated that I had talked with someone that morning, and that was never stated. Also, I was in receipt of the unsolicited offer from them, with the specific percentage and the amount owed to settle the debt. I also stated that I paid that amount based on their unsolicited offer to settle the debt in full. The individual would only state that the letter was sent in error.

They then sent a letter dated XX/XX/XXXX - 3 days after I paid the amount in the original offer and having talked with a second IC Systems representative - stating the original letter was sent in error. The second correspondence was extremely brief and did not provide nearly the same detail as the first letter and was clearly written in response to my phone call.

I feel this is fraudulent. I am in receipt of t he original letter sent by IC Systems offering the settlement and I have my receipt showing that amount paid in full. They are now attempting to say that the original offer was invalid, although they accepted payment. I did not solicit the original offer and I feel they engaged in fraudulent and misleading practices and should be expected to honor the original offer they sent, that was paid - again, per their written offer.

The debt was settled based on their offer and should be honored. To come back after the fact should be considered fraudulent and harassment.

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 2023-05-06
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: Frontline Asset Strategies, LLC (NY)

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

FRONTLINE ASSET STRATEGIES is govern by 15 USC 1681 and they violated my rights numerous times. I demand the account listed below and uploaded be remove because According to 15 USC 1681 : I have right to privacy and I did not give FRONTLINE ASSET STRATEGIES written permission to furnish this account Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
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: Experian Information Solutions Inc. (FL)

Complaint:
i am a victim of identity theft, the information that i have right now posted on my credit report is not correct. 
i need to fix this information cause i think somebody use my information to do froud actions, pursuant to section 605b of the faircredit reporting act and i send all the inf required.

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 2021-04-17
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. (FL)

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Complaint:
I have sent letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX is the company that is reporting this to XXXX and Transunion. As well as XXXX XXXX XXXX  is also reporting falsely. They removed it on XXXX but they were not able to remove it on XXXX and TransUnion. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
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: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (MI)

Complaint:
Improper use of personal information

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 2019-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
XXXX and Transunion are reporting incorrectly that I am 90 days past due on XXXX XXXX - partial account number XXXX. ( Please see pages 58 and 59 of the attached credit report. ) Thid account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past 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 2017-04-28
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Prosper Marketplace, Inc. (IL)

Complaint:
In  XXXX    XXXX  , I was contacted by  XXXX   XXXX   XXXX  of  XXXX   XXXX , CO through their  XXXX , AZ office indicating that they were representing   XXXX   XXXX    XXXX  regarding a loan that I had with Prosper Funding, LLC that was purchased by   XXXX   XXXX   XXXX  .  XXXX   XXXX   XXXX  proceeded to violate multiple sections of the FDCPA and Colorado FDCPA as well as numerous Illinois consumer protection laws regarding debt collectors. Specifically,  XXXX   XXXX   XXXX  called my employer  20 times in one da y and when I did not timely return a message that was left, the collector called every member of the executive management team at my place of employment and left messages on each persons voice mail to contact  XXXX   XXXX   XXXX  regarding a matter concerning me. A message was also left on the HR Mgr. voice mail to call regarding an issue with my payroll. I was threatened with wage garnishment and the debt was disclosed twice to my  Mother  who is not a responsible party to the loan. After numerous emails asking the agency to stop calling me at work and being ignored, I finally submitted a cease and desist request to the owner of the company and threatened to sue them for the FDCPA violations. The matter was referred to the corporate attorney  XXXX   XXXX   XXXX  who subsequently offered me a cash settlement of {$1000.00}. I rejected the settlement offer and requested that the issue of the debt be resolved.  XXXX   XXXX  informed me that  XXXX   XXXX   XXXX  nor he is no longer handling the account and that it has been referred back to   XXXX   XXXX   XXXX   XXXX  ho now owns the account and that legally he nor  XXXX   XXXX   XXXX  can discuss the account with me. I have sent  XXXX  unanswered emails to   XXXX   XXXX   XXXX   in an attempt to find out who is handling the matter in an attempt to address not only  XXXX   XXXX   XXXX  and their abusive collection tactics on behalf of Velocity but the debt and its disposition. No one will respond to me. I contacted  XXXX   XXXX   XXXX  by phone who identifies himself as the Compliance Officer at  XXXX   XXXX ,  XXXX  and he claims that he needs to confirm from  XXXX   XXXX   XXXX  that they are no longer handling the matter before he can discuss it with me. I gave  XXXX   XXXX ,  XXXX  more than 10 days to confirm that and contact me and they have not done so. If   XXXX   XXXX   XXXX   refuses to address the issue of the debt with me and the abusive and illegal collection tactics of their collection agency with me, I believe that the CFPB should intervene on my behalf and also take discipline actions and monetary sanctions against  XXXX  and  XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
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: EQUIFAX, INC. (CA)

Complaint:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. WILSHIRECNS XXXX {$2600.00} AWACOLLECT XXXX {$63.00} LVNVFUNDING XXXX {$980.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
I filed disputes with all three credit bureaus and all three credit bureaus ruled in favor of the fraudulently opened account due to data furnisher, whatever that is after I have repeatedly tried to convey to them that I have no knowledge of this account at all I did not open 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 2023-06-22
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

Complaint:
I hope this letter finds you well. I am writing to inquire about my rights and the obligations of [ XXXX XXXX XXXX ] under the provisions of 15 USC 1681b, which pertains to the Fair Credit Reporting Act ( FCRA ). As a valued member of your credit union, I believe it is essential to ensure compliance with this federal statute to protect consumer rights and maintain the integrity of credit reporting practices.

According to 15 USC 1681b, credit reporting agencies, such as [ XXXX XXXX XXXX ], have specific responsibilities when handling consumers ' personal information. It is my understanding that this section of the FCRA outlines guidelines for the permissible purposes for obtaining consumer reports and sets restrictions on the sharing of such information. 

In light of this, I kindly request the following information from [ XXXX XXXX Name ] : Disclosure of Permissible Purposes : Please provide me with a comprehensive list of the permissible purposes for which [ XXXX XXXX XXXX ] obtains consumer reports, as outlined in XXXX XXXX XXXX. 

Consent and Authorization : I would like clarification on the procedures and requirements for obtaining consumer consent and authorization for accessing and using their credit information, as stipulated in 15 USC 1681b. 

Sharing of Consumer Information : Please outline the policies and procedures that [ XXXX XXXX XXXX ] has in place to ensure compliance with the restrictions on sharing consumer information with third parties, as mandated by 15 USC 1681b. 

Dispute Resolution : In the event of a dispute concerning the accuracy or completeness of information contained in my credit report, I would like to understand the process and channels available for filing a complaint or disputing any discrepancies, as required by 15 USC 1681b. 

I believe that by addressing these inquiries, [ XXXX XXXX XXXX ] will not only demonstrate its commitment to regulatory compliance but also reassure me and other consumers that their personal information is handled with the utmost care and in accordance with federal laws. 

I kindly request that you provide me with the requested information within 30 days of receiving this letter, as stipulated by the FCRA. If there are any costs associated with obtaining this information, please inform me in advance. 

I appreciate your attention to this matter and the valuable services that [ XXXX XXXX XXXX ] provides. Should you require any additional information or clarification, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ]. Thank you for your prompt attention to this request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any ITEMS which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these ITEMS. XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX XXXX, XXXX, FL, XXXX, XXXX XXXX XXXX, FL XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, FL, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$2700.00}, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1800.00}, XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX. ) XXXX Balance : {$950.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$580.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$68.00}, XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$440.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (OK)

Complaint:
I have an American Express card, on this month 's bill I was charged with interest on a purchase in 2018. They are calling it a trailing interest. I would have paid the interest on the billing statement for 2018. This year I have been charged {$680.00} in interest alone and can't afford that kind of cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Complaint:
XXXX is reporting late payments of over 90 days for XX/XX/XXXX, as well as the months of XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. During that time, I was told my loan was in deferment due to unemployment. I was told that although I would be responsible for the debt, I was not required to make payments at that time. I did however pay what I could pay, whenever I could pay it. I recently received a copy of my credit report and found all the months are reporting as over 90 days late. 
I contacted XXXX via letter and requested the incorrect information be removed from my credit report as it is incorrect and is a violation of my rights under the Fair Credit Reporting Act. I received a generic response that the information was reported accurately and absolutely no investigation was completed as to why these late payments are being reported. 
Also, I am in process of loan discharge due to false certification, however, the school that I attended has been closed down and I am finding it difficult to obtain copies of transcripts.

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