hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2019-02-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Armada Corp. (NV)

Complaint:
On XX/XX/XXXX I sent a dispute letter to Armada collections agency and as proof I sent the letter with a certified mail receipt. Armada responded on XX/XX/XXXX not with verification but just a print out of charges of the alleged debt. The letter sent by me plainly said to provide viable evidence bearing my signature as proof of the debt being reported to the major credit bureaus. I sent a second letter certified mail on XX/XX/XXXX I was sent the same information as before just a print out. It is now over 3 mos and they have not sent the proof I requested. I did notice they removed the item from my credit report temporarily but has since added the item to my credit report once again. Armada has violated the FDCPA { 807 } and { 15 USC 1962a }. They have not placed the clause ( Account information disputed by consumer, meeting FCRA requirements at all or within the 30 day period. I will be filling action against this company in small claims court as stated in the letter I sent on XX/XX/XXXX and XX/XX/XXXX. I have since been denied credit because of such error and this has been frustrating because it has effected my livelihood.

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 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TN)

Complaint:
Lexis Nexis ( LN ) violated my rights. I requested a investigation LN retrieved the request and communicated my request to the three credit bureaus. The credit bureaus did not respond. LN did not receive a response in 30 days. LN sent a letter regarding no response. FCRA states that if no response in 30 days LN must delete. LN violated my rights and did not delete the information after 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
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. (TX)

Complaint:
ftc he Fair Debt Collection Practices Act ( FDCPA ) protects consumers from unfair and abusive collection practices. The law regulates professional, third-party collection businesses, agents and attorneys, but not " in-house '' collectors, or employees of creditors who collect their own debts. 

XXXX XXXX XXXX XXXX XXXX has agreed to settle Federal Trade Commission charges that its MINI Division violated the Magnuson-Moss Warranty Act by telling consumers that XXXX would void their warranty unless they used MINI parts and MINI dealers to perform maintenance and repair work.XX/XX/2015

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. (UT)

Complaint:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I MA VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX TransUnion and XXXX CRAS. On XX/XX/2021, I mailed XXXX TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2016-03-26
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (AZ)

Complaint:
The office at XXXX Hospital personally keyed in the credit card info and amount said to be charged, each time we were there. Because they did not put in the right amount they are holding me responsible. It would be one thing if it was a one time mistake, but they charged the same amount 3 times and then say I did n't pay all of it. The card was to be run for the full amount.

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 2022-09-29
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. (IL)

Complaint:
I appreciate your help to REMOVE some accounts from my credit file that occurred because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence. 
XXXX XXXX Balance Owed : {$8900.00} XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$2700.00}

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 2023-04-28
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. (LA)

Complaint:
XXXX  and XXXX FCRA violations and and reports are listed in the I have had no knowledge of the creditors names obtaining any business with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX its states it an sold account but it does not list the original creditors name it shows no account history such as balance payment history it reflects as closed to my knowledge I have never had an account with this creditor XXXXXXXX XXXX XXXX opened XX/XX/XXXX its states it an sold account but it does not list the original creditors name it shows no account history such as to balance payment history it reflects as closed to my know I have never had an account with this creditor XXXX XX/XX/XXXX showing on my report Closed paid never late I never processed a payment with this company nor have I had a account with them or obtained any goods or service payment history on this account is not consistent in which I find very odd All of these accounts are fraudulent to my knowledge I have never asked for any line of credit with any of the listed names above they dont list the original creditor with two account and no payment history which is incomplete and inaccurate violations of 15 usc 1681 ai for improper use of my personal information XXXX  and Equifax have inquiries that are listed that I have not given the creditor permission to open a copy of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (PA)

Complaint:
Received a phone bill from XXXX, stating that I owed XXXX in XX/XX/2021. Never had an XXXX account nor any of my family memebers. Called the customer service, the customer service representative told me not to worry about it without further explanation and just hung up the phone. On XX/XX/2021, I received a debt collection agency noticed that the debt is owed.

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 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IN)

Complaint:
In the beginning of XXXX, 2020 a mortgage company ran a background check on me and lexisnexis sent back a report claiming that I have 4 foreclosure. I don't have any foreclosures. I don't even have a mortgage on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
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: EQUIFAX, INC. (OR)

Complaint:
We hired a company called XXXX XXXX to repair our credit. We stopped with that company in late XX/XX/XXXX or early XX/XX/XXXX. I called equifax in early XXXX and told them that I am not disputing anything on the credit report and they said they would remove it. They have not removed it. I kept calling and calling repeatedly todayXX/XX/XXXX to their XXXX number and pushed the option to speak to a representative about personal credit info. Every single time it transfers me and then rings busy. When our mortgage broker pulls our credit report it still shows and reinvestigation in progress. This is inaccurate info. They told me when I talked to them they would remove it. The lender will not close the loan until they get a report that does n't show anything being disputed. I have personally talked to the creditors in which the report shows a dispute with and they have sent me documentation showing that nothing is being disputed but the lender has to see it on the credit report. The fact that equifax is not answering is deeply frustrating. I ca n't get a hold of them and need the disputes with XXXX off my credit report Sincerely Frustrated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
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: DISCOVER BANK (SC)

Complaint:
I purchased a inground pool kit for {$4300.00} from under the sun when it got delivered a panel was damage took all necessary steps with pool company they refuse to file a claim the pool company with freight company I can't because I I didn't pay for freight I did but pool company paid fees so I took the 12 panels and divided by total amount of cost for panels and disputed it with discover card since the dispute I was still trying to get panel replaced by pool company and frieght company and pool company refuse to file a claim trying stick me with a pool that can't be built because broken panel and I yet to recieve my liner for the pool so I called discover back tell them that I can't use a broke pool nor can't use without a liner I never got that I wanted to dispute the entire amount and pool company can pick there stuff up no liner broken panel well discover card told me I can't disputed with the dispute open I said ok close it open a new 1 for  the entire amount pool company refusing to file a claim with freight company and I still haven't gotten my liner said they can't not aloud to do it. I ask them is that a government law they wouldn't answer me. I gave pool company the benefit doubt of trying to fix it and there being ignorant threatening and plus never got my liner so I called discovery back to dispute entire amount and told me I'm not around to dispute it again and I'm stuck paying for a pool that arrived damage and can't use

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Complaint:
I voluntarily gave the XXXX XXXX XXXX ( XXXX ) back their car, which is considered a voluntary repossession. This occurred early 2016. XXXX was supposed to " auction '' the car off, but i was never notified of the sale. But They report a closed $ XXXX Balance on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resource Management Group (GA)

Complaint:
RMG-Resource Management Group XXXX XXXX XXXX XXXX, NC XXXX contacted me about a debt of {$750.00} of a line of credit opened XX/XX/XXXX, last active XX/XX/XXXX. I explained it was not my debt. I instructed them not to call me to mail me and confirmed my home address. No mail ever came. They then called my employer with this same automated call. They continued to call me as well. I explained I was incarcerated in Georgia XX/XX/XXXX-XX/XX/XXXX and it was impossible I opened any lines of credit XX/XX/XXXX-XX/XX/XXXX. He then went on to blame family members saying i guess your mother or sister did it. I again told him mail me the information do not call me. The calls were all 1-1 1/2 weeks apart. No mail came but AGAIN they called me and we had an altercation where he then proceeded to say my wife or boyfriend did it then. A letter showed up on XX/XX/XXXX finally. It was back dated to XX/XX/XXXX and said you have XXXX to dispute these debts or we automatically deem them valid. Harassing and manipulating dates on mail to validate fraud of someone else is extremely disrespectful and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Complaint:
Honestly this is the last time im going to resolve this issue with you guys before I follow suit with my lawyer. I have submitted a complaint back in XXXX because I did not get a response from XXXX XXXX or transunion since XXXX and NOTHING was resolved. They claimed the responded to the complaint and investigate and LIED. They falsy validated these accounts attached because it is still reporting different dates across all three credit bureaus. They did not sent me anything to validate the accounts. I ran out of patience and tried everything to not bring this to my lawyer since I gave them 5 months. I submitted a complaint and nothing updated. Please look into what these credit bureaus are doing because they are clearly violating my rights as a consumer and going against FCRA. I need these accounts deleted because they did not properly validate ANYTHING reporting different information to each credit bureau. 

Under 15 USC 1681 ( a ) congress defines a consumer report as the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part of the purpose of serving as a factor in establishing the consumers eligibility for 15 USC 1681 ( 2 ) i excludes the reporting of report containing information solely as to transactions or experiences between the consumer and the person making the report. 

The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, pr other entity. 

All of the companies listed below are CORPORATIONS as defined by congress as a person. 

Therefore the transactions between the consumer ( me ) and these corporations should not be on my consumer report under FEDERAL LAW!! You are in direct breach of the federal laws put in place to protect the consumer.

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 2022-02-14
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:
Re : DELETE FRAUD ACCOUNTS UNDER SCRA 50 USC 3953 As indicated above my information may have changed in your files since my last confirmation dispute, please apply all changes to the information above. 
1. DPT EDXXXX Acct # XXXX Opened on XX/XX/XXXX This account does not belong to Me, SCRA XXXX  Immediate Removal Per Section 533 ( c ) ( codified at 50 USC 3953 )! I have requested where I have signed for this DEBT NO CONTRACT HAS BEEN PROVIDED. Possible Fraudulent account using my name & SSN to establish credit DELETE this from my credit file per Texas Finance Code under Title 5 Chapter 392, Sec 392.001 ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( 6 ) ( 7 ) ( A ) ( B ) Sec 392.101 ( a ) ( b ) ( 1 ) ( 2 ) ( c ) Sec 392.102 and Subchapter C. 392.201 392.202 ( a ) ( b ) - ( e ) ( 1 ) ( 2 ) ( 3 ) 2. XXXX Acct # XXXX Opened on XX/XX/XXXX This account does not belong to Me, SCRA XXXX Immediate Removal Per Section 533 ( c ) ( codified at 50 USC 3953 )! I have requested where I have signed for this DEBT NO CONTRACT HAS BEEN PROVIDED. Possible Fraudulent account using my name & SSN to establish credit DELETE this from my credit file per Texas Finance Code under Title 5 Chapter 392, Sec 392.001 ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( 6 ) ( 7 ) ( A ) ( B ) Sec 392.101 ( a ) ( b ) ( 1 ) ( 2 ) ( c ) Sec 392.102 and Subchapter C. 392.201 392.202 ( a ) ( b ) - ( e ) ( 1 ) ( 2 ) ( 3 ) 3. XXXX Acct # XXXX Opened on 7/2019 This account does not belong to Me, SCRA XXXX Immediate Removal Per Section 533 ( c ) ( codified at 50 USC 3953 )! I have requested where I have signed for this DEBT NO CONTRACT HAS BEEN PROVIDED. Possible Fraudulent account using my name & SSN to establish credit DELETE this from my credit file per Texas Finance Code under Title 5 Chapter 392, Sec 392.001 ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( 6 ) ( 7 ) ( A ) ( B ) Sec 392.101 ( a ) ( b ) ( 1 ) ( 2 ) ( c ) Sec 392.102 and Subchapter C. 392.201 392.202 ( a ) ( b ) - ( e ) ( 1 ) ( 2 ) ( 3 ) 4. XXXX XXXX Acct # XXXX Opened on 4/2017 This account does not belong to Me, SCRA XXXX  Immediate Removal Per Section 533 ( c ) ( codified at 50 USC 3953 )! I have requested where I have signed for this DEBT NO CONTRACT HAS BEEN PROVIDED. Possible Fraudulent account using my name & SSN to establish credit DELETE this from my credit file per Texas Finance Code under Title 5 Chapter 392, Sec 392.001 ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( 6 ) ( 7 ) ( A ) ( B ) Sec 392.101 ( a ) ( b ) ( 1 ) ( 2 ) ( c ) Sec 392.102 and Subchapter C. 392.201 392.202 ( a ) ( b ) - ( e ) ( 1 ) ( 2 ) ( 3 )

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 2022-07-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA (CO)

Complaint:
Bank appears to have deliberately delayed processing a payment so as to put the account into default so that they could charge late fees and interest. I've gone back through account statements ( & checkbook ) and I have discovered a disturbing pattern. Most payments are processed on either the 2nd or 3rd day after the payment check is written, however, every third month ( i.e. quarterly ) payments are not processed until either the 6th or 7th day after the check is written. 

I normally make my payments early enough that I haven't been dinged for a late payment or interest charges until the payment that was due XX/XX/XXXX, check was written and mailed on XX/XX/XXXX, considering how efficient and consistent the USPS is, payment was delivered to the bank on XX/XX/XXXX, or at the very latest on the XX/XX/XXXX, however, the bank did not process the payment until XX/XX/XXXX. 

I sent a letter of complaint to FNB Omaha regarding the delayed posting and their response has a number of factual errors. First the response claims that they received my complaint on XX/XX/XXXX, the USPS certified mail receipt indicates that it was delivered on the XX/XX/XXXX. Second the response claims the payment was due on XX/XX/XXXX, the statement clearly shows that the due date was XX/XX/XXXX. 

If they are trying to cheat me by delaying processing payments, they are doing it to hundreds if not thousands of others. If I hadn't noticed that they delayed this one payment, I wouldn't have gone back through my records and established a consistent pattern of delayed payments. They are engaged in criminal activity and I can help you prove it. Documentation to support my allegations will be supplied on request.

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 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: In progress