hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-07-27
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. (IL)

Complaint:
Upon reviewing my updates, the incorrect information was still present in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$74.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX  XXXX Balance : {$0.00}

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 2023-05-30
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: Experian Information Solutions Inc. (SC)

Complaint:
CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) CC : XXXX XXXX XXXX XXXX XXXX XXXX  CC : Federal Trade Commission ( FTC ) CC : Experian, XXXX, XXXX Dear XXXX, I am writing to dispute the charge-off that appears on my credit report for account XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report. 

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder. 

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous. 

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred. 
Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report. 

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, 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 2023-06-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

Complaint:
My account was defrauded last year, I opened a fraud case and filed a police report as instructed by TD bank. The bank said they would send it to global securities and investigate the case, it has been a year and they have NEVER investigated the case, or even gotten back to me. Instead theyve attempted to eschew all responsibility and claim its not their job to investigate the case despite telling me they would do so. At this point it is negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

Complaint:
On XX/XX/2023 I called XXXX. I got the number from what was presented as XXXX XXXX as I was having sign up and technical issues. An XXXX XXXX represented himself as a tech advisor. He instructed me by using XXXX to make dummy transactions and no money would come out of my account. When I realized I was involved in a scam I hung up and immediately called my bank to cancel the transactions. I was told nothing could be done until the transactions posted. Not a very good system to thwart scammers. I was advised to contact disputes which I did. They put the money back pending investigation. Yesterday I discovered they had taken the money back out. I called for an explanation and was told since it was XXXX there was nothing they could do. They knew from the start it was a XXXX transaction. I only have XXXX now because it is a service provided by my bank. If XXXX XXXX involved the bank would be taking care of me! XXXX says its a done deal, nothing I can do or anything they will do. I am a senior citizen on a fixed income. I was taken advantage of and feel completely stupid, and am heartbroken over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (FL)

Complaint:
I have been with American Credit Acceptance for my car loan for 25 months, out of those 25 months I had 4 late payments in which I reached out to the company to make a payment plan or get assistance due to the corona virus pandemic. American Credit Acceptance told me over the phone there was nothing they can do, even though we are in a global pandemic and I have XXXX children. These four late payments are from XXXX, XXXX, XXXX and XXXX of XXXX, in which each late payment was individual not consecutively four months straight. The car payment was still made every single month just late. Prior to XX/XX/XXXX and after XXXX of XXXX I have not had a single late payment. My loan original date started in XXXX of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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. (TX)

Complaint:
When I investigated my credit report, I realized that the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$19000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

Complaint:
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
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. (NC)

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Complaint:
I settled my debt with Portfolio Recovery Associates, LLC on  XX/XX/XXXX and found out in XX/XX/XXXX that they falsely reported my debt unpaid to the credit bureau. 

I settled my debt with PRA through a third party settlement company on XX/XX/XXXX and found out in XX/XX/XXXX, while applying for a Mortgage, that PRA had falsely reported my debt unpaid to the credit bureau. When calling PRA, they lied to me and claimed that while they had recieved a settlement proposal, they never accepted that proposal. They continued to tell me that I still owed {$1300.00}, and then offered me a {$750.00} settlement as if they were doing me a favor. I called my settlement company shortly thereafter and they immediately furnished me with proof of correspondence, which proved the settlement had been accepted. PRA literally had multiple staff and management members LIE to me to try to get more money out of me. What they did is blatantly illegal, and if I had the means and the time, I would pursue legal action. These derogatory marks on my credit report have affected my ability to secure a mortgage and will affect my interests rates for years to come, indirectly causing me thousands of dollars in financial loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (FL)

Complaint:
Enhanced recovery company is stating I owe a debt of {$1500.00} opene d 2017. I  repeatedly disputed this claim several times which was originally through a debt collector named  XXXX   XXXX  system and was deleted from my credit report and 3 months later Enhanced recovery company added it back on. the reported information is incorrect. I 've sent my  XXXX  balance proof to  XXXX   XXXX   XXXX . I have never received any paperwork from Enhanced recovery company stating I owe the debt or details of the debt. This false new activity from enhanced recovery company have caused m y credit score to d rop over  XXXX  points which has affect my ability to close on a home for my children. I would appreciate if they could immediately delete their recent activity off my credit report from all  XXXX  bureaus.

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

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (GA)

Complaint:
I have filed numerous dispute against the company tell him I dont owe them nothing I dont know who they are they got the wrong information on there in the wrong mail and they even shown thoughts information to the list XXXX XXXX this is been going on since XXXX and finally on thanking and I are sharing the investigators finally busted them in their lies and XXXX and XXXX but yeah its still on my XXXX  and my XXXX  credit report and XXXX credit report they cost me to lose a lot of loans cost me higher interest rates I lost a lot of money whenever I tried to borrow money XXXX pay higher interest rate because of them I believe they owe me a lot of money like I said this is been going on since XXXX and here it is XXXX and I wont conversationFor aggravation deformation of character and use mental anguish for a damage they have done to my reports my credit and was messed up cause of them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Complaint:
I was traveling in XXXX, XXXX and tried to withdraw XXXX pesos from a bank ATM ( XXXX ),  which was the equivalent to {$970.00} US dollars from my Capital One 360 Checking account. The ATM said transaction failed, and I didn't end up getting the money. But it still said the money was debited from my checking account. I filed a claim, but today I was emailed saying my dispute was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Genesis FS Card Services, Inc. (NC)

Complaint:
I've had a milestone credit card which I've paid in full. I have reached out to milestone on numerous occassions in regards to the inaccuracies of this account. From which they informed me that it would be taken care of and I should see it updated on my credit report the next time they submit it to the credit reporting agencies and this was in XXXX and still nothing has changed. I have been denied credit due to this harm, because they didnt do what they promised to do. I have the updated bill stating my balance is XXXX. I'm beginning to lose faith in the banking system completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Product: Credit reporting 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 XXXX Account # XXXX, has 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. Moreover Pursuant 18 USC 8 I DO NOT OWE ANY DEBT TO THESE COMPANYS is violating my consumer rights. Lastly, The credit bureaus are reporting two of the same account negatively XXXX XXXX XXXX XXXX investments. 

XXXX account XXXX XXXX-Account number- 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 explanation
Consumer complaint received 2020-11-04
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 am a victim of identity theft and did not make the charge. I ask that the items be blocked to correct my credit report. I did not benefit from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NV)

Complaint:
Mohela 1. Second installment on this loan was late by one day, company change loan repayment schedule, and called the account delinquent ; without my consent. 

2. Company has changed interest rate and repayment schedule on fixed rate loan ; again with no notification or consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
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 (PA)

Complaint:
XXXX XXXX XXXX  has violated the FDCPA on many occasions according to 15 usc 1692 c ( c ) 1692 d ( 5 ), the lady XXXX keep calling me telling me I owe a debt and to give her my personal information. In the letter XXXX sent me it clearly states that it is not attempt to collect a debt so why am I being harassed, according to the law as a consumer I am entitled to privacy of my personal information and who I want it shared with. I have never given XXXX any written or verbal consent to report any of my personal information to any CRA nor did I ever sign a contract or taken out a loan with them. NO CONSENT IS IDENTITY THEFT, they have used my name and personal information and reported it the the credit bureaus without my consent. the law clearly sates that consent is needed to access, obtain or report information to my credit file. I feel threatened and I am afraid to answer my phone! I have attached proof of debt validation and request for cease communication, XXXX XXXX just don't respect the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc. (CA)

Complaint:
XXXX XXXX someone has used my information to purchase XXXX XXXX XXXX, and when I got a bill at my mail, immediately reported to the XXXX XXXX and they told me to not worry anout that may be was a mistake, but after that I did noticed that at my credit score there is a collection amount which was not mine. 
After that I did disputed that to the XXXX XXXX and XXXX credit companies! 
In XXXX the XXXX XXXX company did send me letter where its says that the collection item was removed from my credit history but XXXX didnt do anything In XXXX and even in XXXX! there is no live agent there to talk, phone calls are ignored through the automated system.And even more when you trying to google their phone number, its takes you to some law firms who advise you to fix it by money, and when you disagree to pay ( because its not you debt ) they finally asking if you want to connect to the XXXX live agent, and if you say yes they make a connection to XXXX live agent! 
The AWA collection company is the rudest in entire my experiences! they dont answer your questions, very disrespectful and nonprofesional, several times hanging phone on you, dont provide XXXX if asked and dont provide any information about the claim or proof! I think there both work together to try steal money from innocent identity theft cixtims

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
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. (TX)

Complaint:
There are so many mistakes on my credit file ones that even say " authorized user '' I have disputed several times and nothing is being done. Please help me get this taken care of XXXX/XXXX  / CHARGED OFF ACCOUNT - THIS DOESN'T BELONG TO ME REMOVE THIS XXXX  XXXX XXXX  CHARGED OFF ACCOUNT - THIS DOESN'T EVEN BELONG TO ME REMOVE THIS XXXX XXXX - THIS DOESN'T EVEN BELONG TO ME REMOVE THIS XXXX XXXX - THIS DOESN'T EVEN BELONG TO ME REMOVE THIS

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