hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2018-05-22
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: EQUIFAX, INC. (TN)

Complaint:
Original Account # : XXXX XXXX Amount : {$1100.00} Original Account # : XXXX XXXX Amount : {$450.00} The above two ( 2 ) medical debts were deleted from my credit report with all 3 bureaus ( XXXX, Equifax, XXXX ) as the collection agency, XXXX XXXX, was unable to Validate the alleged debts. It appears that these debts are now being collected by XXXX ( XXXX XXXX XXXX, XXXX ) on behalf of XXXX XXXX XXXX XXXX and RE-inserted on my credit file with all 3 bureaus ( again ) without validation. 
A Validation Request was sent to XXXX  ( XXXX XXXX XXXX, XXXX ) via Certified Mail on XX/XX/XXXX ( delivered on XX/XX/XXXX ). I received a simple billing statement of the alleged charges which does not meet the FTC guidelines on what constitutes proper debt validation. I sent a second Validation Request via Certified Mail on XX/XX/XXXX ( delivered on XX/XX/XXXX ) and received the same simple billing statement. Again, this does not meet the FTC guidelines on what constitutes proper debt validation. 
These collection accounts remain on my credit file with all 3 bureaus ( XXXX, Equifax, XXXX ) without Validation. 
Furthermore, XXXX ( XXXX XXXX XXXX, XXXX ) AND the Credit Bureau ( s ) did NOT provide me a HIPPA release that releases my medical information to them or an original consumer contract with my signature on it when requested. 
The Credit Bureau ( s ) failed to provide or respond to my request for proper Validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
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: Experian Information Solutions Inc. (FL)

Complaint:
Experian is reporting a collection in the amount of {$3600.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is over ( 7 ) years old from date of last activity and should not be reporting. This is a violation of the Fair Credit Reporting Act and is mandated that the account be removed. This false reporting of a collection/chargeoff account is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.

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 2017-09-08
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: EQUIFAX, INC. (OR)

Complaint:
Equifax was compromised and therefore my private data has been leaked onto the internet. People can now steal my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights XXXX5 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights XXXX U.S.C XXXX Section XXXX. A. XXXX I have the right to privacy XXXX XXXX XXXX XXXX XXXX. A Section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights XXXX U.S.C XXXX Section XXXX. A. XXXX I have the right to privacy XXXX XXXX XXXX XXXX XXXX. A Section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights XXXX U.S.C XXXX Section XXXX. A. XXXX I have the right to privacy XXXX XXXX XXXX XXXX XXXX. A Section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2019-09-22
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:
I have accounts on my reports that are not mine.

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 2022-08-30
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: EQUIFAX, INC. (MO)

Complaint:
I come across on my credit report, there was incorrect items appears when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that needs to be investigated and corrected : XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXBankruptcy Reference # XXXX Date Filed/Reported:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (IL)

Complaint:
The credit bureaus have ignored my attempts to have this negative account removed from my credit report. XXXX XXXX has sold the three accounts that originated to them to debt collection companies. If theyve sold they debt, they should no longer report the debt is owed to them on my credit report and it should removed entirely as they are inaccurately reporting on my credit and misrepresenting themselves as the Owner of the debt with XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. The Credit Bureau has continually ignored my requests to have this inaccuracy deleted and it has prevented me from being extended credit in different circumstances. I asked them to provide me with proof of write off/1099c form for charged off debt, they did not, they sold this date long ago and they are still attempting to collect on it. Please delete these three inaccurate accounts from my report immediately as they are in violation of the FCRA and 15 USC 1692 G validation of debt. Because they dont own they debt, how are they validating it as accurate?

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 2017-12-13
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. (IL)

Complaint:
In XX/XX/XXXX i received a notification from XXXX XXXX that my credit score changed I opened the app and noticed XXXX XXXX XXXX XXXX had ran my credit profile without my authorization.. 
Now again in XX/XX/XXXX I received another notification that my credit score changed. And once again I opened the app and noticed XXXX XXXX XXXX XXXX had ran my credit profile without my authorization or knowledge again. .. 
Please investagate this breach and missy of the credit bureau ... and I want to file chargers against XXXX XXXX XXXX XXXX.. 
I will be will to start a class action lawsuit against XXXX. I know this is more likely normal bad buisness practice for them I see a pattern of abuse ...

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 2022-08-24
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. (NC)

Complaint:
XXXX XXXX XXXX is reporting three accounts on my credit report that I have disputed directly with them on XX/XX/22, after my dispute to Equifax, XXXX and XXXX about on XX/XX/22. 

XXXX and XXXX have deleted the accounts, but Equifax has not deleted the accounts nor have they responded with any status of their investigation. 

XXXX XXXX XXXX also has not responded to my direct request for information regarding the three accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

Complaint:
On or around XX/XX/2022 I used my American Express Card to purchase a XXXX refrigerator for {$1200.00}. When the refrigerator was delivered, it did not quite fit my kitchen space and the deliverymen immediately put it back on the truck for return. XXXX has no form signed by me for the delivery. I was never credited by XXXX for the return. I made about 8-10 calls to XXXX attempting to rectify the problem. Twice I spoke with the XXXX XXXX XXXX and ascertained that they definitely had a record of the refrigerator having been returned. I made repeated attempts to implore the Appliance Division and the Billing Department to communicate with each other, all to no avail. After American Express intervened, I was told by American Express " XXXX states that you still have the refrigerator and that they have no record of your having ever contacted them about this dispute. '' When I provided American Express with the direct phone number for the Appliance Division, to verify the return, I was told " We don't make calls like that ''! American Express has refused to listen to me and to properly process this dispute. 
Less than 10 days after the return of the refrigerator I used the same American Express card to purchase a refrigerator from XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (VA)

Complaint:
Wells Fargo offers a " Returned item and Deposit Details '' service to customers for a fee of {$3.00} per month, allowing customers to view copies of deposited check images in online banking. Their terms state that " This fee is charged only during a month when the service is used ''. This can be a useful service and tool, well worth the {$3.00} fee when needed. ( See page 24 of attached PDF, referenced as page 35 within the booklet ). However, this fee has occurred on monthly statements in which the service has not been rendered, or the service was used without our positive consent. A ) Wells Fargo should be forced to alert the customer with a pop-up that a click within online banking will result in a fee for that month. The alert should require positive consent from that customer that acknowledges the fee will occur that month. B ) If the check image is unavailable for viewing, the customer should not be charged a fee as no service has been rendered ( see attached screenshot ). I consider this similar to the XXXX scenario, where a customer must consent to a purchase prior to downloading an app/music.

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 monetary relief
Consumer complaint received 2023-06-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03
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. (GA)

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2019-07-25
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. (IL)

Complaint:
I tried disputing the inquiries on my credit report but Experian does not let me dispute any of the inquiries online. I need the highlighted inquiries attached to this complaint to be removed from my 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 2017-09-02
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. (MD)

Complaint:
I was a victim of identity theft and in turn there is an account that was fraudulently opened in my name. The account that I would like to dispute is with XXXX XXXX XXXX. This collection account was opened in XX/XX/XXXX - and currently has a balance of {$1100.00}. In XX/XX/XXXX, I disputed this account with XXXX XXXX and received unfavorable results. I called XXXX XXXX XXXX on XX/XX/XXXX in an attempt to discover what this account was for ... I was told that the original creditor is " XXXX '' and that XXXX XXXX XXXX removed this account from my credit report on XX/XX/XXXX. Then, I called XXXX, and they were not able to locate my name and/or an account affiliated with my name. This account is falsely and negatively being reflected on my Equifax and XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FIDELITY CAPITAL HOLDINGS, INC (ID)

Complaint:
I contacted the credit collection company, Fidelity Creditors in XXXX CA and talked to " XXXX ", after I faxed and mailed them the Federal laws that state I am " Exempt " from levy's and garnishments and court orders under Title 38-Veterans Benefits Part IV Chapter 52 Special Provisions relating to benefits  section 5301 A,B,C,D, and they laugh at me and tell me the will get the money and that I am making it up, that I am not exempt and there is no such law(s) and they will ruin my credit until I pay. I told them to stop all collection procedures because they are ruining my credit for a non-collectible debt. They said, So what ". It will be on your credit until you pay and they do not honor made up laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Optimum Outcomes, Inc. (NC)

Complaint:
I have had numerous medical bills from XXXX XXXX, XXXX, NC. These bills were turned over to Optimum Outcomes for collections. XXXX XXXX has made phone calls and provided documentation to Optimum that these bills are considered settled due to financial hardship on my part. Optimum Outcomes has not reported and/or provided documentation to me stating the account has been removed out of collections. These bills are standing in the way of me co-signing a student loan for my son for college. When I have tried to escalate my calls to speak to a manager I am always told that there is not one available

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (PA)

Complaint:
Hello My Unemployment Usbank Reliacard has been blocked for over 7 days. I have sent in numerous verification documents as requested by the bank to have my unemployment bank card unblocked but still no resolution. I have attempted to contact every source for assistance but still no resolution. My unemployment card is the only source of income that I have. I have sent to the Usbank my personal photo, my identification card and a copy of my home rental lease to also proof identity and residence. This is causing serious issues as I am not able to take my autistic son to see his physician and attend his therapy appointments because I cant use my Unemployment Usbank Reliacard. Any help would be greatly appreciated. Thank you in advance.

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 2018-03-20
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: MSW Capital, LLC (FL)

Complaint:
My XXXX credit report was wrongfully added a false late payment by XXXX XXXXXXXX XXXX  on XX/XX/XXXX and by its collection agent XXXX XXXX on XX/XX/XXXX. Apparently, someone fraudulently opened an account in XXXX XXXXXXXX XXXX by using my social and name and walked away with {$920.00}. I have NEVER opened this account at XXXX XXXXXXXX XXXX. I contacted XXXX and disputed this wrongful posting for three times and they asked me to contact XXXX XXXXXXXX XXXX  directly. I called the XXXX XXXXXXXX XXXX and they asked me to contact MSW Capital which it took over the account of XXXX XXXX XXXX according to the Bank. MSW then ask me to file a complaint.

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 2020-02-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MA)

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX, XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
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. (PA)

Complaint:
THESE COMPANIES VIOLATED MY RIGHTS TIME AND TIME AGAIN UNDERTHESE LAWS WHICH IM PROTECTED 15 U.S.C 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS 15 U.S.C 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE XX/XX/XXXX XXXX BANK XX/XX/XXXX ACCT XXXXXX/XX/XXXXXXXX BANK ACCT XXXX XXXX/XXXX/XXXX XXXX BANK ACCT XXXX XX/XX/XXXX XX/XX/XXXXL XXXX XXXX ACCT XXXX XXXX XXXX CREDIT CARD ACCT XXXX XXXX XXXX CREDIT CARD ACCT XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX ACCT XXXX.. 
XXXX XXXX ACCT XXXX XXXX XX/XX/XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XX/XX/XXXX CHILD SUPPORT ACCT 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