hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Bureaus, Inc. (NJ)

Complaint:
CFPB - Please review this for all consumers who are disputing collection accounts on credit reports as this issue is systematic - and against FCRA This is my dispute. 

There are 2 accounts listed in my report, and across all CRA 's.

1. There is no Tradeline on my credit report, and from XXXX where an account number, or a balance matches what is being reported by The Bureaus 2. I do not believe these accounts are mine. 
3. Then, as a Debt Collector ( DC ), Account Numbers/Original Creditors information must be maintained ( Metro2 - K1 Segment ) and it is not 4. The Date if First Delinquency listed, is not/ can not be true/accurate and for both accounts is listed - and is against FCRA rules - and then is disputed The valid XXXX  XXXX ( as the original credit grantor ) tradelines, have a DOFD that is not close to what you have, and date you list is inaccurate and against FCRA Then, the Bureaus is reporting data on my report that is wholly inaccurate, incomplete and against FCRA Where these accounts exists - at a CRA XXXX, XXXX and XXXX the following, is occurring : The Bureaus, a Debt Collector, is knowingly sending data to CRA 's , as if they are a Credit Grantor and with data attributes that Metro2 specifies should not be sent when not a credit grantor.

Metro2 File Standards ( industry norm for acceptiXXXX data at the CRA XXXX is followed, XXXX XXXX are required to send data in their file to a CRA - Header ( Who is reporting, including ID or the data furnisher ) Trailer ( File counts of records sent/activity ) Base Segment - Consumer detail, tradeline info where limited attributes are expected to be sent ( values are not defaulted ) to a CRA XXXX Segment ( Original Creditor/Creditor Classification Code or Client Name/Client Type - Account Number ) ******Many fields are not expected to be sent - see attachment of Metro2 DC do not send, and The Bureaus is sending them.

The Metro2 file - does not default There are no terms, no contract with or pay history expected of and from you. 

No contract exists with a debt collector. 
The Original Creditor - should not, and is not expected to be in a historical info ( free form text field ) This tradeline - collection account, fails to even show up in the COLLECTION SECTION of raw data reports directly from the CRA - because, it is mimicking the data/file details of an XXXX  account. 


This account presents itself as if they are a lender. As if we have a contract, payments due every month, and i have been in a pay and balance history of collections Both accounts are inaccurate, please resolve them - or delete. 

This also serves as a DO NOT CONTACT request, and federal mandates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
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: Experian Information Solutions Inc. (CA)

Complaint:
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed an unauthorized inquiry had been made on XX/XX/2018. 
I contacted XXXX XXXX XXXX  XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX XXXX XXXX ( XX/XX/18 ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, 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 2019-07-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CL Holdings LLC (AL)

Complaint:
I was taken to court by the Jefferson Capital System, LLC. The judge ruled in favor of the plaintiff for me to make arrangements to pay off debt. I called on yesterday and spoke with a lady who did not identify herself. I told her the nature of the call and she became rude by calling me a liar when I explained my income of SSI. She continued to ask why I did not pay the bill in 2017 and I explained that my income varies from month to month. I became upset and got a little loud on the phone and the representative from Jefferson Capital System told me that I was not going to get loud in her ear because she had to work until XXXX and she was not going to have a headache and then she hung the phone up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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. (NY)

Complaint:
XXXX  3 LATE PAYMENTS
Credit usage
100%
Balance
XXXX
Balance updated XXXX XXXX XXXX
Credit limit
XXXX
Account info
Account number XXXX
Open/closed
Closed
Date opened
XXXX XXXX XXXX
Account type
Revolving account 
Status
90 days past due
Status updated
XXXX XXXX  Past due amount
$XXXX
Highest balance XXXX
Monthly payment
XXXX  Contact info
Address XXXX XXXX XXXX XXXX, OH XXXX
Phone number
None provided
THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE  IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO "FAIR CARES ACT" ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE

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 2021-05-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (MO)

Complaint:
After checking my credit report and finding a collection for Enhanced Recovery Company. I had not received any notice from Enhanced Recovery Company regarding the alleged debt. I sent a dispute letter to Enhanced Recovery Company, dated XX/XX/2021 via USPS Certified Mail, requesting further information and disputing the account in accordance with 15 U.S.C. Sect. 1692, requesting that I either receive further validation and verification within 30 days or that the account be deleted from my credit reports. 

Enhanced Recovery Company received the letter on XX/XX/2021. Enhanced Recovery Company notified XXXX and XXXX of the dispute by adding a comment that the account information was disputed and that is met FCRA. I did not receive a response from Enhanced Recovery Company within 30 days. 

So, on XX/XX/2021 I sent a second correspondence to Enhanced Recovery via USPS Certified Mail Receipt, requesting that the account be deleted from my credit reports as they did not send a response within 30 days of receiving my certified mailed dispute letter. Enhanced Recovery received my request to delete the account on XX/XX/2021. 

The account is still showing on my credit reports. I sent letters with copies of the correspondences and USPS Tracking Delivery Confirmations to XXXX  and XXXX via USPS Certified Mail Return Receipt, carbon copying Enhanced Recovery on both mailings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
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: Experian Information Solutions Inc. (VA)

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2017-08-02
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: National Credit Systems,Inc. (NC)

Complaint:
I have tried multiple times, with no success, to get validation of a debt being reported on my XXXX  and XXXX reports. I have contacted XXXX, XXXX and National Credit Systems for validation, however, the only thing I continue to receive are updates to my disputes that the account has been verified and updated. I have yet to receive documentation, as requested from either party. I 've been trying for two months now with no success. I 've sent US Certified Mail to all three parties on multiple occasions. In addition to me trying to get these two accounts being reported by National Credit Systems deleted from my credit report, there has been a third account added to my report, with an open date of XX/XX/XXXX that was not on my report prior to XX/XX/XXXX. I am not sure why this account was added to my report. The account numbers are # XXXX in the amount of {$1900.00}, # XXXX in the amount of {$500.00} and the third account # XXXX in the amount of {$2400.00}, which is the total amount of the two previous accounts added together. National Credit Systems added a third account to my creditreport combining the two totals from the previous accounts and now, it is showing that I have three outstanding accounts with this company. Not only has XXXX, XXXX and National Credit Systems failed to provide me with written documentation as to the validity of this debt, they have also not provided me with documentation as to how they went about verifying the debt. I do not believe that the debt can be validated and am asking that all three negative entries be deleted from my credit reports immediately. Finally, I checked the North Carolina Department of Insurance website to see if National Credit Systems had the permits to collect on this debt and they do not.

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 2022-02-18
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. (PA)

Complaint:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX  XXXX XXXX  XXXX-Date of Inquiry XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020 XXXX  XXXX-Date of Inquiry XX/XX/2020 XXXX/XXXX  XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX XXXX of XXXX XX/XX/2020 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 non-monetary relief
Consumer complaint received 2018-04-07
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (KY)

Complaint:
Inquiries placed on my credit report without my doing during XX/XX/18 - present

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Complaint:
To whom it may concer this letter is a formal complaint tht this company is violating several of my rights under the FCRA.In 15 usc 1681a2 under Exclusion states Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; However your company is reporting a late payment which Constitutes an experience and transaction to which both are part of the exclusion law stated above.Furthermore under 15 USC 1681 congressional findings ( 4 ) states there is a need to insure the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy to which this company has failed to do.the following accounts on my credit report which are reporting illegal. 
XXXX XXXX XXXX account # XXXX latepayment. 
Dept of education account # XXXX/late payment. 
Dept of education account # XXXXlate payment. 
Dept of education account # XXXXlate Payment. 
Dept of education account # XXXXlate payment. 
Dept of education account # XXXX/late payment. 
Dept of education account # XXXXlate payment.

Company response to consumer: In progress
Consumer complaint received 2020-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Complaint:
Disputed credit inquiries and they keep deleted them and putting them back on my 3 bureau 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 2022-12-15
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. (DC)

Complaint:
This is my multiple requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

Complaint:
Good afternoon, following my 2 former complaints in the last 3 months, I still have the same issue from Chase since the beginning : despite having XXXX $ on my account, Chase keeps charging me monthly fees today ( statements attached ). So I am still need the help of CFPB to fix it please. Thank you. Regards. XXXX XXXX Historical Reminder : Good afternoon, in XXXX, I created my company XXXX XXXX and I needed to open a Business account. So I chose Chase because they had an offer when you did a deposit of XXXX XXXX you did not have to pay monthly fees for new Business account. Beginning of XXXX, I have started receiving monthly fees to pay with no notification from Chase that they changed their rules of having now a minimum of XXXX $ of deposit. So I had an appointment in XX/XX/XXXX to explain the situation with my contact at XXXX XXXX Chase branch ( with XXXX XXXX ). She supposed to reimburse the current fees and I had a check of XXXX $ to have a total of XXXX $ as a start. But the next month I have been continuing having fees of XXXX $ per month. I have let several voicemails and emails to XXXX XXXX to understand why I was having ( and still have ) this situation. XX/XX/XXXX I called the Chase Service Center after talking to XXXX different agents, the only answers were : ''Try another branch '', ''Try to have another appointment with the same contact '' or ''we can not help you online ''. My Business account statement from XX/XX/XXXX ( attached ) shows exactly that what I did was supposed to be done but they did not stop de monthly fees. I have no other solution to complete this complain because I do know how to fix this situation which is originally a Chase ' mistake. Today XX/XX/XXXX : I receive an email about the bank account statement availability of XX/XX/XXXX : Once again, with the same error, they started charging me the XXXX $ fee even if my bank account was at XXXX $ in XX/XX/XXXX ( statement attached to this new complaint, with the other documents I attached on my first complaint ). So I would like to have your help again please to fix the same error. Regards XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

Complaint:
We only have a {$3000.00} credit limit despite having a credit score of XXXX. We hit our limit and so I paid the balance of {$2800.00} on XX/XX/2022. The payment cleared my bank on XX/XX/2022. On my Capital One online account it shows that the payment was been made but they are only showing we have available credit of {$5.00}. I contacted them and was told that my full credit limit will not be released until XX/XX/2022. 

This is UNACCEPTABLE and no other credit card company does this. We were NOT delinquent in any way. We believe this is fraudulent and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect (WI)

Complaint:
I have gotten repeated phone calls and letters from Americollect saying that I owe medical debt. They named my hospital, so I hung up and called my hospital to confirm that I didn't owe any money. The hospital stated that I didn't owe anything and that they don't use Americollect for their debts. I called Americollect back and told them that it was taken care of and that I don't want to be called again. I got even more phone calls saying I still owe money and when I ask for more information regarding the debt, Americollect says that they are not in contact with the people that post the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
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:
Attempted numerous times to have fraudulent information deleted due to identity theft as well as inquiry 's, charge off accounts that is not mine. I've also repeatedly asked to exhaustion that my correct and updated credit report information and scores reflect each of the accredited credit bureaus. Unfortunately, they ( TransUnion, XXXX and XXXX ) are still not communicating with one another to mitigate my reports in a cohesively manner. Also, their credit scoring system 's is suspicious, they all have a different scoring system that is very suspect to me. some uses advantage 3 & 8 and now 9 is in effect. This system acts like the mob and if they can't get it together the courts will .... I had enough.

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 2020-07-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Complaint:
XXXX XXXX has been repeatedly calling me concerning an old debt that was sold to them by capital One, back in XX/XX/2017, this account is over Ten years old was opened back in XXXX, keep reporting it as current on my credit report since it was sold in XX/XX/2017. The calls are every other day from different numbers and Ive repeatedly told them not to call my number again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
i'm having a hard time getting my disputes processed with the credit bureaus and updating my current address.

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