hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-01-10
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: CITIBANK, N.A. (NY)

Complaint:
Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. This item is UNKNOWN to ME. I dont get why youre claiming this is fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination.

Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
CITI XXXX Date Opened : XX/XX/ Balance : {$20000.00}

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 2021-06-29
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: Informative Research (TX)

Complaint:
I reviewed my credit report and that there were 3 inquiries on my credit report for INFORMATIVE RESEARCH I Inquiry Date XX/XX/XXXX. On XX/XX/XXXX, I mailed out letter advising the company that I never submitted an application or applied for any of their products. I have not received a response from the company and the inquiry is still listed on my credit report. I contacted INFORMATIVE RESEARCH and they said that could not assist with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

Complaint:
I have tried to get the bank issuing a credit card to correct their error in failing to deliver my monthly statements in paper form through the u.s. postal service, causing a substantial drop in my credit score because of erroneous delinquency. I have filed a complaint about the bank and the other two bureaus. Now I need to the same because of a substantial change in the score by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (NV)

Complaint:
I have contacted the company multiple times, stating that I am unable to constantly make these high payments. Their response is always, " There is nothing we can do to help you. '' They are making it very difficult to make a living.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

Complaint:
This complaint is a follow up complaint to my previous complaint that I had filed against Citibank. Yesterday On Thursday XX/XX/2020I received a letter in the mail from Citibank which states their final results into there 90 day resolution to track down and recover my XXXX dollars plus that was stolen directly from my Citibank account they provide a paper which shows their is no authorization for the transactions and amount stole at the bottom of the paper it states if you agree to these charges and total please sign here there is no signature because I did not authorize those charges. It doesn't even make sense for Citibank to provide me with what they call " evidence '' and it proves my point that there was no authorization! That's why the company does not have my signature or approval on any of their paperwork that states the amount they stole from me. ( Attached to this complaint is the 2 pages Citibank sent to me via mail ) Citibank needs to return my money that they allowed to be stolen from me. EVEN WITH THE PROOF THAT XXXX XXXX XXXX  PROVIDE CITIBANK WHICH SHOWS THAT I DID NOT AUTHORIZED ANY OF THE CHARGES CITIBANK STILL REFUSES TO RETURN MY FUNDS!!!

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 2018-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
Multiple cra violations, inaccurate information including names, addresses, phone numbers, employment history and pretty much the entire 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 2016-05-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Credit Service of Central Washington, Inc. (WA)

Complaint:
My wages started being garnished XXXX XXXX, I called in XXXX XXXX and made a payment agreement with XXXX XXXX for {$300.00} every 2 weeks to get my garnishments to stop. I have multiple times asked for a written agreement of what my payment is to be and when it is due and was told they could n't do that, all they could give me is what I have paid. I called in today and was told I missed a payment on XX/XX/XXXX and that my account was going in for garnishment and that I owed another payment on XX/XX/XXXX and XXXX XXXX was not there to speak to. I asked if I could just make a {$300.00} payment today and call back tomorrow to talk to XXXX XXXX. I was told no I had to make a {$600.00} payment to ( XXXX XXXX ) or I would be garnished again. I made the {$600.00} payment and then asked her again why I would in another week that my agreement was every 2 weeks not ever week. The lady told me you do n't owe next week you owe on XX/XX/XXXX ( which my payment is due XX/XX/XXXX ), I told her that 's not what you just said and she told me to call tomorrow to speak with XXXX XXXX that she could n't give me any more information. I asked than to speak to the owners and was told no. I than asked to speak to the manager there and was told that was XXXX XXXX and I needed to call back tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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

ACCT Name : XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ( XXXX ) ACCT Name : XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ( XXXX ) ACCT Name : XXXX ACCT # XXXX 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 2021-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

Complaint:
This is an unknown collection account reporting multiple times on my credit profile. I am respectfully requesting that you delete this inaccurate account from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
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: EQUIFAX, INC. (AL)

Complaint:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Complaint:
Hello, my card number is XXXX. I have XXXX + dollars worth of credit that I can not use currently. Your investigation is taking too long for my fraud claim and I still have not heard any result of it. Did you find out how it happened, what happened? Please call me at XXXX and if you can not find out what happened then please close the case as it is just causing pending case investigation on my account for prolonged period of time. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
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. (SC)

Complaint:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2020-02-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (MN)

Complaint:
The company is reporting as new debit and not reporting it to the credit agency as continued date the account was originally opened in XXXX with XXXX XXXX and they are reporting this as current date as of XXXX. I have called and they admitted that the the original date of the debit is XXXX and its not on the end its the credit agency. I have called both them and XXXX  to get this resolved and keep getting anywhere> This is fraud and what they doing is illegal under the guidelines of the fair credit act, they can not change dates and names of the debit owned. Also the amount is wrong as well.

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 2022-06-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Service Finance Holdings, LLC (FL)

Complaint:
This is a stand-alone complaint, not directly connected to a previous complaint, as this concerns the company in question claiming to be a XXXX DEBT COLLECTOR XXXX, while not being licensed as such, per the State of Florida, Office of Financial Regulation . 
On XX/XX/2022, I received a letter, dated XX/XX/2022, where the afore-mentioned Service Financial Company , LLC indicates that they are a properly and duly licensed Consumer / Business Debt Collector . I have retained proof to attach. 
I just ( XXXX around noontime ) did a search for such and all licensing of Service Financial Company, LLC : NONE found via the online search, not even for any license, as best I could search.

Because of this lack of proper licensing, I feel and believe that I, an elderly XXXX Veteran, have been the attempted victim of unscrupulous and questionable actions and behaviors from this supposed FHA TITLE I lender. 
I am not sure whether their letter is a threat, but it sure does feel like such, as I never authorized any XXXX submitted payment that would have been rejected due to Insufficient Funds XXXX, as that letter indicates. 
At worst, I feel that by their submitting such a request for my account payoff that the company has tried to impersonate me, which I believe is against the Florida Statutes, Title XLVI, Chapter 817, in many ways or points and using such to attempt to XXXX force XXXX ( as described by many legal sites ) me in such fashion appears to be a concerted effort, not unlike XXXX organized crime XXXX, by the very definition.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: S&S Physician Services, Inc. (TX)

Complaint:
I've reached out multiple times the past months to this collection agency asking for proof of debt verification and my signature releasing my personal information to the agency with no response from them. I have sent letters through mail and email, also called them. Still same result no response back and its been months of this. This violates HIPPA and still no response from them through mail or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (VA)

Complaint:
I do not have exact dates, but I called Equifax to inform them that my XXXX XXXX credit card ; as well as, my XXXX it credit card is not showing and that affects my credit score, I also called the credit card places and filed a complaint as well. There is no problems with my credit cards reporting to the other agencies only Equifax is a problem!

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: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (FL)

Complaint:
On XX/XX/2022, LVNV Funding LLC added a derogatory mark on my credit report XXXX XXXXXXXX XXXX XXXX XXXX XXXX. After I did some research, this account was sold/transferred and I am no longer responsible for this account. The debtor creditor never certified this collection. Also, there was no written document or form of communication, a contract or signature for this debt that I am being accused of at all. If there was a bill without a signature, that does not validate this debt which anyone can send a bill and say that it is mine. 
It is written in the FCRA ; that according the the regulations, this collection agency has violated my rights as a consumer and I am exercising my rights to that legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (PA)

Complaint:
Good morning, Im filling this complaint because I believe I was treated wrong by Chrysler capital. I bought a XXXX XXXX XXXX, my credit score wasnt good at the time so my interest rate was very high. The only income I had was my XXXX from social security {$1500.00} a month my financial wasnt good at all. Chrysler capital approved my loan, I got the car with a payment of {$670.00} a month, everything was ok until six months later my wife got diagnosed with XXXX her medication price was high so we have to give up the car so we can afford her medicine, Chrysler took the car back and sold it in an auction and hit me with a balance of {$11000.00} that I can afford. This balance is reporting on my credit as a charge off account. This brought my credit score so low that I cant even rent a appointment for me and my family. I Dispute this so many times with Chrysler and told them my problems, my wife condition but they ignore me and keep reporting this account on my credit and destroying me and my family even more. Please help me and my family to get the this fix with Chrysler capital so they can remove this account from my credit report. By doing this we will be able to but a cheap car so we can go to appointment back and forth and get our financial together.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX : XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX Balance : {$580.00} XXXX XXXXXXXX Balance : {$220.00} XXXX XXXXXXXX Balance : {$210.00}

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 non-monetary relief
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Fraudulent Opened Account Under 15 U.S. Code 1681c2 you are in violation for reporting a fraudulent account on my credit report. I demand this account to be removed within 4 days of receipt of this letter.

Under 15 U.S. Code 1681s2 you are in violation of Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute. You failed to 100 % investigate this fraudulent account because I contacted the furnisher about fraudulent opened account, and they stated my information doesnt match which is identity theft and they do not participate in providing dispute notice to credit reporting agencies. If you believe this is false I demand you send me a complete investigation report from the furnisher directly with their letterhead on it showing the method of verification. 
I demand these items be removed from reporting on my credit report immediately. I also demand a credit report showing the removal within 30 days after removal. 
XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2020-08-10
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: Resurgent Capital Services L.P. (MO)

Complaint:
I have a loan with LVNV FUNDING ( Original Creditor : 12 XXXX  XXXX XXXX  XXXX XXXX  ), XXXX  XXXX XXXX  ( Original Creditor : 12 XXXX XXXX XXXX XXXX ), and XXXX   XXXX  ( Original Creditor : 11 XXXX XXXX  ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, LVNV FUNDING ( Original Creditor : 12 XXXX  XXXX XXXX  XXXX XXXX  ), XXXX  XXXX XXXX  ( Original Creditor : 12 XXXX XXXX XXXX XXXX ), and XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation