hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-09-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Complaint:
I want to dispute this account but I still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MN)

Complaint:
I filed Chapter XXXX bankruptcy in the United States District Court of Minnesota Bankruptcy Court and has notified XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX XXXX and XXXX XXXX  XXXX/XXXX  XXXX, countless times in regards to a debt the above creditors is trying to collect from me. The debt was discharged in Chapter XXXX bankruptcy court. The above creditors are in violation of the bankruptcy court Automatic Stay which prohibits all collection activity, including legal action, garnishment and contact via phone and mail. All my debt was discharged in Chapter XXXX bankruptcy court in the United States District Court of Minnesota. I want XXXX  and Experian to notify the above creditors and immediately delete the accounts from my credit report, as the accounts was discharged in Chapter XXXX bankruptcy court.

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 2022-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

Complaint:
I got an " upgrade '' bonus point offer ( {$4000.00} ) from American Express last year with some spending requirements, which I took. What a mistake! American Express took the yearly membership fees from me on XX/XX/XXXX. And I spent to meeting the spending limit of the offer. In my recent XXXX statement, I got renewal yearly membership fees again. I do not want to pay the membership fees again for another year. So I called to cancel the card. The customer agent told me that if I just downgrade my card again, the points will remain. However, on XX/XX/XXXX, I got a notification from AMEX that all my XXXX XXXX upgrade bonus points were removed because I didn't maintain the card for a year ( which they claim would happen in XX/XX/XXXX ), even though my second year membership is charged on my account by prorate already. This is ridiculous. They cheated my points away on a technicality. Is it not the company 's responsibility not to charge the 2nd annual membership before a year is passed? And is it not the company 's agent responsibility to inform the customers that they will lose points from the account if it is a few days too early to downgrade the card? And why are they charging " yearly '' membership fee twice within a year? The practice is so shady and I can not believe it is from $ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (VT)

Complaint:
Macy 's closed my account ending in XXXX and transfered the balance to a new account ending in XXXX. They increased my account from XXXX to XXXX, XXXX with out my approval. 
I want my original account to be open.

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 2022-11-09
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: Foursight Holding LLC (VA)

Complaint:
I have no knowledge of the accounts listed below. The accounts were place on my credit report that seems to be fraud activity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX attempted to dispute they would not removed the fraud inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX knowledge of account XXXX foursight capital XXXX -this inquiry is on my credit report twice and is fraud XXXX XXXX XXXX XXXX XXXX XXXX fraud I have no knowledge of account XXXX XXXX XXXX XXXX fraud account is on credit report twice XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXX  fraud account XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXXXXXX fraud account XXXX XXXX XXXX XXXX XXXX XXXX fraud account XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX fraud account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
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: Experian Information Solutions Inc. (FL)

Complaint:
According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the 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 2023-07-04
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: Experian Information Solutions Inc. (CO)

Complaint:
Dear Sir/Madam, I am writing to bring to your attention a matter of utmost importance regarding a fraudulent account listed on my Experian credit report. I kindly request your intervention in rectifying this erroneous information and ensuring its immediate removal, as it is adversely affecting my creditworthiness and financial well-being. 

Account Details : Name of the account : XXXX XXXX XXXX Account number : XXXX Date it was opened : XX/XX/XXXX Fraudulent charges totaling : {$94.00} I want to emphasize that I have never had any dealings or financial transactions with XXXX XXXX XXXX. Upon discovering this fraudulent account, I promptly contacted XXXX XXXX XXXXXXXX on the XXXX of XX/XX/XXXX to address the issue. I was informed by their representative that this account should not be reported on my credit history and that it was a clear case of fraudulent activity. 

As a consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, credit bureaus are prohibited from reinserting deleted items on a credit report unless the creditor explicitly requests their reinstatement. Failure to comply with this provision would constitute a violation of my rights as a consumer. 

I kindly urge you to take immediate action to remove this fraudulent account from my Experian credit report, as its presence not only tarnishes my credit history but also creates unnecessary financial burdens and restricts my access to credit. 

I trust in your commitment to upholding consumer rights and ensuring the accuracy and integrity of credit reports. I request that you conduct a thorough investigation into this matter and expedite the removal of the fraudulent account from my credit report within the shortest possible timeframe. 

Furthermore, I kindly request that you provide written confirmation of the removal once the necessary action has been taken. Additionally, if any additional documentation or information is required from my end to facilitate this process, please do not hesitate to reach out to me promptly. 

I appreciate your attention to this matter and your prompt assistance in rectifying this unjust situation. Thank you for your understanding and cooperation. 

Yours 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 2019-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Complaint:
The investigation conducted by the 3 major credit bureaus has failed to meet the requirements guaranteed by the FTC and the FCRA via consumer rights. In XX/XX/2019, I had demanded that as a consumer I be afford the Method of Verification used in the investigation of my disputed claims. I asked that the 3 credit bureaus provide me with the name and title of all persons handling this investigation. When and where did this take place, and what physical documentation used to verify these accounts. Inwhich by no means is electronic Verification proof of any sort therefore it can not be accepted as such. It is my greatest hope that you and your companies will remove these accounts immediately. Accounts are as following. 

1 ) XXXX XXXX XXXX {$680.00} 2 ) XXXX XXXX XXXX {$350.00} 3 )  XXXX XXXX XXXX {$140.00} 4 ) XXXX XXXX XXXX {$30.00} 5 )  XXXX XXXX XXXX {$140.00} 6 ) US Dept of Education {$3800.00} 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX 10 ) XXXX XXXX XXXX {$71.00} 11 ) 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 2023-07-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
Transunion, XXXX, XXXX are purposely messing up my credit scores.

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 2017-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Shermeta Law Group, PLLC (MI)

Complaint:
Shermeta law group is fraudulent cashing check 's made payable to XXXX XXXX and not reporting the payments to my credit bureau since XXXX XXXX. My Payment 's are current and now they filed default judgement againt 's, I am a XXXX Employee that is XXXX and have XXXX. XXXX XXXX XXXX and their Client XXXX XXXX are in Violation of XXXX XXXX XXXX 's code of conduct and zero tolerance anti harassment that covers all XXXX XXXX division and entity 's including their Client XXXX XXXX. A complaint has been filed with XXXX XXXX XXXX of XXXX XXXX, XXXX XXXX HR againt 's XXXX XXXX and XXXX XXXX XXXX, a Complaint has also been filed with XXXX and XXXX. They have also caused me to be evictied by not working with me when I was on layoff XXXX, and Ca n't afford my medications, These companies will not stop harassing me and making me sick with XXXX XXXX and XXXX. Maybe XXXX and their Client XXXX XXXX should review XXXX XXXX 's code of conduct and the zero tolerance harassment, legal action can be sought after XXXX and XXXX XXXX for violation of policy. Make them report those payments to my credit bureau and stop harassing me. Please. Everytime a complaint is filed I get no answer to the question, WHY ARE MY PAYMENT 'S NOT BEING REPORT TO MY CREDIT BUREAU????. I WILL KEEP FILING COMPLAINT 'S DAILY TILL I GET THAT ANSWER? Why will they not answer that question? Do I have to go daily to there office or to shermeta 's attorney house to get a answer??? This also need 's to be sent to XXXX XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
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:
My name is 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 2023-03-30
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. (CA)

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : XXXX  XXXX XXXX, XXXX XXXX Date Open : XX/XX/XXXX Balance : {$36000.00} and XXXX  XXXX  XXXX Date Open : XX/XX/XXXX Balance : {$0.00}. Please update these account. 

Also, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXXXXXX Date Open : XX/XX/XXXX Balance : {$0.00}. Please correct this mistake immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Atlanticus Services Corporation (AZ)

Complaint:
I had an account with Fortiva - XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I closed that account a few months ago. I was asked recently if I wanted to appy for a new account, of which I asked may I just have the old account reopened. I was told that would not be a problem and for a fee of {$25.00}, I could have a card expidited to me. I took the offer. When I received the card, I activaitated it and as you can see from the enclosed images, it said teh card is ready for use. I tried multiple times, to use the card, I called Fortiva, multiple times to discuss this. Enclosed are just a couple of nmany examples of the result of those calls. Eventually and multiple times after, I was told, that becaused my account was just reopened, I had to wait 30 days to use it or a full billing cycle. I repeatedly asked, where was that disclosed and why was I charged a fee, for a product that Fortiva and others knew, was of no value, as advertised. Each agent I spoke with, had no idea - no answer. 

I called, XXXX XXXX XXXX XXXX, they did not have an answer, I asked to speak with a supervisor, no answer, one was not abke to speak with me and never called me back. 

I called XXXX, their CEO, XXXX XXXX, XXXX XXXX, their CFO and XXXX XXXX, their Compliance manager. Neither of them took my call or returned my calls. To date, my matter is still unresolved. 

They also did a hard pull on my credit report which lowered my score and showed I had more credit, than I really did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
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. (PA)

Complaint:
This is now attempt number ( 3 ) to have unverified entries on my credit report deleted as they have yet to be verified under FCRA law. After reviewing my credit report recently, I realized that I had number of entries reporting as closed that had never been verified as I do not accept responsibility. I have contacted CFPB twice now and the companies have yet to provide any written or physical documentation that demonstrates that these accounts are in fact mine. Under FCRA law, section 611 ( a ) ( 5 ) ( A ) ( i ), ANY item that can not be VERIFIED is required to be deleted or else this is a violation of my rights as stated to me by my attorney. I have submitted complaints on XX/XX/2020 & XX/XX/2020 respectfully with no proof being provided after investigations. I seek remedy or else I have no further action but to file suit for deformation. I only ask that these persistent and inaccurate/ unverified entries be deleted as they are negatively impacting my livelihood. Thank you.

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 2021-12-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (FL)

Complaint:
I have never received information regarding my original debt from this agency despite attempts to have it sent to my house. I only know of two accounts due to pulling my current credit report. I will not acknowledge debt unless original debt is validated through statement provided by original company, as is my right.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

Complaint:
EQUIFAX has been made aware i have been a victim of identity theft and refuses to remove accounts that i have no knowledge of both Accounts - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Goal Structured Solutions, LLC (NH)

Complaint:
I previously took out an educational loan to pay for my college from XXXX XXXX. They are now Launch Servicing LLC. I only have one loan from this lender. Recently, I went to look at my credit score since I am a senior about to graduate. On my credit report, there are two reported duplicate loans from this lender even though I only have one. When I called to inquire about this to the company, they stated that they changed from XXXX XXXX to Launch Servicing LLC and this caused many people to have duplicate loans show up on their reports. One loan is listed under Ascent, one is listed under Launch. They told me that if I filed a dispute with the credit bureau, they would confirm that the dispute is valid and take off the duplicate loan so only one is listed. However, the dispute I filed was denied. I refiled the dispute and called Launch again demanding the duplicate loan to be taken off because it is bringing my credit score down XXXX points. Now I have to wait to see if the second dispute is approved, but overall they have done nothing to help me resolve this issue and because of their mistake, my credit score is lower. I do not recommend taking out a loan from this company, they are very unreliable and won't work with you to resolve issues like this. Attached is the loan payoff letter for the one and only loan I have from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Strategic Alliances, Inc. (SC)

Complaint:
Called from an  XXXX  GA number but company is physically located in  XXXX   XXXX  Ga. It is my belief that this company is utilizing phone spoofing software to alter the area code of the number calling to hide their true identity.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc. (NV)

Complaint:
Received a letter from this company collecting on a debt that I requested validation on. Also they are attempting to collect the incorrect amount owed.

Company response to consumer: Closed with explanation