hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-04-08
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:
remove the ftc violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX same as XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (MA)

Complaint:
On XX/XX/XXXX representing XXXX XXXX XXXX, Schlee & Stillman LLC, sued me in state court for an alleged credit card account that I have never seen before.
The debt was disputed from the beginning. Neither XXXX XXXX XXXX nor Schlee & Stillman LLC could not validate and verified the debt.
In court they filed an affidavit that was prepared and signed onXX/XX/XXXX. The affidavit calls me a " defendant '' 1 year and 3 months before I was sued. This type of affidavit ( bogus ) was penalized by the OCC. XXXX XXXX XXXX and XXXX XXXX XXXX paid XXXX XXXX after a Consent Order AA-EC-2015-1 and AA-EC-2015-2 dated XX/XX/XXXX.
According to this Consent Order, XXXX has violated few months later by doing exactly the same thing they promised not to repeat.
The plaintiff has not filed any contract or terms and conditions with the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (TX)

Complaint:
I was called frequently and when trying to get clarification on the issue, I was verbally abused and told to provide information in places that were not safe. When I tried to tell them would review when I got home I was yelled at and told to provide my credit to them over the phone even though they knew I was in a public place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Complaint:
Without my written consent, Capital One has been furnishing negative information to my consumer report as means of coercing me to pay an alleged debt of {$710.00} and further extort me and cause harm to my credit reputation. Capital One has been furnishing nonpublic personal information to my consumer report/file and is in direct violation of 15 USC 6801. Furnishing late payments without my consent is a direct violation of 15 USC 1681-S2. Pursuant 15 USC 1681b ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. It is a fact ; I have never given Capital One any written instructions to furnish any information to my consumer report. Capital One has violated 15 USC 1666 and closed my credit card account without validating or verifying any of the alleged missed or late payments ; which are in fact billing errors. Capital One has failed to clarify or correct these billing errors. Capital One has violated 18 U.S. Code 894, which states : ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. It is a fact ; Capital One has chosen to punish me for nonrepayment of this extension of credit by closing my account. Capital One is not in compliance with 15 USC 1692e. Capital One has been sending me false and misleading bills/statements in a positive amount knowing that a person can not make a payment on a positive balance. The alleged amount due or past due should appear in the negative, to show when credits have been posted in the positive amount bringing the total due amount to zero further reflecting a XXXX balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
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. (SC)

Complaint:
Unauthorized use of credit report. Sent letters to dispute items to bureaus on XX/XX/2021 and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
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. (DC)

Complaint:
This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-07-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

Complaint:
Student Loans were in forbearance by the US government until XX/XX/2023. I applied for income based and received the run around until I filed a complaint. Then all of a sudden I got a letter saying I had a payment due that was not there before I complained. Why are my student loans forbearance?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CITIZENS FINANCIAL GROUP, INC. (NC)

Complaint:
XXXX XXXX XXXX XXXX Made final payment XX/XX/2018 for {$1600.00}. XX/XX/2018 - received a letter congratulating me and informing me 5he account is now PAID IN FULL. 

XX/XX/XXXX talked to XXXX - no one can locate the title that was XXXX. Told me they would wait to see if it shows up. 

XX/XX/XXXX, got a call from XXXX XXXX XXXX to inform me that XXXX could not locate my title. Told me I need to pay them again for another title. I told them the car is paid off and I need the title to register my car. They told me they could not release it because Citizens One had not indicated that the car was paid off. 

XX/XX/XXXX - contacted customer service - XXXX. He was very polite but told me since XXXX ( his supervisor ) had the case I needed to talk to her. He provided XXXX direct line ( XXXX ) XXXX XX/XX/XXXX - to date Ive left XXXX three messages on her direct line. Nothing. 
How do I get my title?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
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. (MD)

Complaint:
XXXX has failed to remove the account ( XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXXDate opened XX/XX/2022 Amount : {$260.00} from my credit report. They have failed to prove I am the owner of this debt and have failed to provide their investigation process on how they came to this conclusion. I don't believe this matter is being legally investigated.

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 2023-02-23
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. (IL)

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing this letter to dispute the alleged debts that have been reported on my credit report by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX and XXXX Bank. I am aware that my credit score has been negatively impacted by these accounts, and I believe that these accounts have been reported inaccurately and have violated several laws. 

Firstly, I believe that XXXX XXXX XXXX 's account number XXXX has been charged off unfairly, and their account number XXXX has also been charged off unfairly. These actions violate the FCRA and FDCPA, as I have not been provided with any notice or explanation for the charge-off, nor have I received any communication regarding the settlement of the debt. 

Furthermore, I believe that XXXX 's account number XXXX has been charged off unfairly, which violates the FCRA and FACTA. I have not received any notice or explanation regarding the charge-off, nor have I been provided with the required disclosures under FACTA. 

Additionally, I believe that XXXX XXXX  XXXX XXXX account has been charged off unfairly, and this violates the FCRA and TILA. I have not received any notice or explanation regarding the charge-off, nor have I been provided with the required disclosures under TILA. 

Finally, I believe that XXXXXXXX XXXX XXXX account number XXXX has been reported inaccurately as a collection account, which violates the FCRA and RESPA. I have not received any notice or explanation regarding the collection account, nor have I been provided with the required disclosures under RESPA. 

Therefore, I demand that these creditors take immediate action to correct the inaccuracies in their reporting and provide me with the necessary disclosures and notifications as required by law. If they fail to comply with my demands, I will have no choice but to take legal action to protect my rights. 

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 non-monetary relief
Consumer complaint received 2020-09-19
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. (MA)

Complaint:
HI MY NAME IS XXXX! - i'm confused the way you're reporting this chargeoff account from XXXX XXXX XXXX with different dates of last payment, active, open, and inconsistent with account number and open date. also how can you have such inconsistencies with the payment history if you're getting the same information from the furnisher which is XXXX XXXX XXXX. Again, i'm update! Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2023-03-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CT)

Complaint:
Hello, I am writing to dispute the negative information on my credit report regarding my XXXX XXXX XXXX account the account number is XXXX respectively. 

I believe that the information on my credit report is incorrect and unfair. I have been a responsible borrower and have always made my payments on time. However, due to unforeseen circumstances, I was unable to make a timely payment on the bank XXXX XXXX account. I had a major injury in the left arm during XXXX and had to get a XXXX done. I had to physical therapy for the next 3 months and could not work. I paid back my due bill on XXXX as soon as I was able to get back to work. I was late there for 120 days and then paid them back. But XXXX XXXX XXXX closed my card and reported the late payments. 

I understand that late payments can have a negative impact on my credit score, but I am requesting that you remove the item from my credit report as it is not a true reflection of my creditworthiness. I have since paid off these debts and have taken measures to ensure that I do not miss any payments in the future. 

I would like to bring to your attention the Fair Credit Reporting Act ( FCRA ) which requires that all information reported by credit bureaus be accurate, fair, and substantiated. The FCRA also mandates that consumers have the right to dispute any inaccurate information on their credit reports. 

I would greatly appreciate it if you could investigate the matter and remove these items from my credit report. I am willing to provide any supporting documentation to help resolve this matter. 

Thank you for your attention to this matter. 

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 2021-05-12
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: DISCOVER BANK (IL)

Complaint:
Discover closed my account in XXXX they still did not answer who aged my accounts with all the payments til XXXX I demand an investigation as to who made the payments to continue to re- age my accounts who???? made the payments is my dispute. Because why would I make all these payments on a closed account. I demand a legitimate investigation because if I made XXXX  payments what source did they come from. Going to the FTC because this is fraud towards a consumer. Answer my dispute my dispute is who was making all the fraudulent payments on a CLOSED ACCOUNT it is my right to find out this information from DISCOVER THIS IS FRAUD, it is my Right to find out, who when and where these XXXX PAYMENTS CAME FROM aging my account if they came from your report should show what BANK, CREDIT CARD and or Institution they came from. 

DISCOVER IS RE-AGING ACCOUNTS SO THAT THEY WONT FALL OFF PLEASE SOMEONE LOOK INTO THIS. XXXX PAYMENTS ON MY PROFILE NOT WARRANTED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CASHCALL, INC. (OH)

Complaint:
I had a {$2600.00} loan with XXXX XXXX XXXX. I have been paying on the loan for at least 4-5 years. The company changed to Cash Call and they began collecting on the loan.The continued to call me in regards to making payments. I attempted to make a payment approximately 2 weeks ago and they refused the payment and they could n't tell me why they could n't collect on the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (LA)

Complaint:
I have communicated that lvnv sent me a lettee saying this debt is mine they included a payment I never made. 
In the letter to the bureaus the last payment I didn't nor make I do not know of anyone making it. 
Next this debt is passed statue of limitations. Also the bureaus have deleted this debt and it keeps coming back. 
Can someone validatw this debt by the contract. 
Can someone validate this debt by receipt of buying it from original owner with the account number and name The dispute with original ac, ount holder is card was stolen or a family member put transactions on the card please prove it was me by signature and picture from cameras Also the person who paid this debt last is the criminal Please look at the proof I didn't make the payment it's highlighted The debt is past statue of limitations and is identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Complaint:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Debt Collection Practices Act noticed is intended to secure my right to privacy and my privacy has been breached so be it, and ; Fact, I am sure the removal of my information on your website, company records, of any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy right wont be violated again due to lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and Fact, affiant is aware and had proof in the attachment labeled as Exhibit A and Capital One Bank USA ( XXXX XXXX ) XXXX XXXX XXXX XXXX  ( XXXX XXXX ), XXXX XXXX XXXX XXXX ( XXXX XXXX ), is in violation of 15 USC 1681n ( b ). 

Thank You, I swear to all information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, accurate to the best of my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do require subrogation of the bond to settle the charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
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:
I have sent out all that was required of me by Experian, but yet again they are stalling. If these Fraud Alerts are not deleted, I will also file a XXXX  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 non-monetary relief
Consumer complaint received 2019-06-01
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX/XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX/XXXX XXXX XXXX XXXX ; XXXX/XXXX XXXX XXXX   XXXX ; XXXX XXXX XXXX XXXX ; Unknown : XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
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. (NC)

Complaint:
I was checking my credit reports and noticed an unauthorized account and inquiries furnished on my credit report. XXXX XXXXXXXX account opened XX/XX/XXXX ending in XXXX should be removed from my credit report. Inquiries from XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX should be removed from my credit report. I did not consent to, authorize nor benefit from this account or any of these inquiries.. Block and remove this account and inquiries. I have filed a FTC Identity Theft report which is attached. If I received goods or services please have a senior executive certify under the penalty of perjury that I have in fact received goods or services as a result of this transaction.

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 2021-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC (FL)

Complaint:
XXXX waived debt due to moving in regards to COVID-19 and they refused to take back equipment when offered so debt is not valid. 


The collection company intentionally broke their website to make it harder for me to dispute debt within 30-days. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation