hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2017-03-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (OH)

Complaint:
I had XXXX for some years. So they offered me a package to watch for being a good customer. The only terms was I was to cancel the package before the ending period..which i did. 
But XXXX still charged me for the package that I canceled before the ending date..this account is over 6 years old now. 
Also it 's the 3 or 4th time that they are trying to collect a debt that I do not owe

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Complaint:
This complaint is regarding account # XXXX. I notified Bank of America and All 3 Credit Bureaus of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) and the Fair Credit Reporting Act, along with the corresponding local state laws. I am a victim of Identity Theft and have been a part of the XXXX Breach Settlement. My information has been compromised and I indicated this to Bank of America. Bank of America agreed that once the account was settled that the account would be deleted from my credit files. I have no knowledge of opening up this account. I have traveled in and out of the country and my personal information was exposed. I still see the accounts on my credit reports and ask that these accounts be removed entirely.

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 2021-06-04
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: EQUIFAX, INC. (WV)

Complaint:
On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
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. (AR)

Complaint:
On XXXX XXXX, 2017 I spoke with XXXX, XXXX, and Transunion about unauthorized inquiries placed on my credit report under the security breach they were removed and placed back on to my credit report without my knowledge

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 2021-09-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CO)

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 146 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), It is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 146 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

Complaint:
I want to start off by saying that I'm not admitting to this debt. I would like to do business with your company if you agree to the following terms. ( 1 ). Remove the debt above from all three credit bureaus within 10days of payment. ( 2 ). Send me a letter stating that the account above will be deleted. ( 3 ). Stop all debt collection activities. If you agree to the above terms, I will pay your company the full balance of this debt as soon as I receive this signed copy back from an authorized representative with the power to make this deal. Failure to delete : I just want to ascertain that you honor your side of the agreement. If the item is not deleted as specified in this agreement, I will be entitled to {$500.00} compensation for breach of contract

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 2021-11-24
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 — Their investigation did not fix an error on your report
Company: GOLDEN 1 CREDIT UNION, THE (CA)

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The Credit Bureaus are reporting inaccurate information on GOLDEN 1 CREDIT UN. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or remove this from my personal file.

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 2019-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (CA)

Complaint:
AFNI, INC. 
Account number XXXX Recent balance {$1500.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$1500.00} past due as of XXXX XXXX. AFNI is reporting a collection from XXXX that is NOT NOT NOT mine. I attempted to contact afni to dispute this account. At first they stated they could not find any accounts in the system under this account number. I then called XXXX, who also could not find any past due accounts under my social, address or this account number they also stated they DO NOT SELL TO AFNI, there are 2 other collections companies they work with but none of them is AFNI. So afni is fraudulently attempting to collect this debt on behalf of XXXX who has no recollection of this account or even working with them ... I called AFNI again, this time they insisted on collecting my personal information phone # s with purpose of verifying the account and NOW I'm getting non stop collections calls from them threatening to take me to court and garnish my wages ... I almost lost my job because of this fraudulent collector. please help ... 
I have written several letters sent certified mail to AFNI and got NO response. I went to law foundation for help and DA 's office who advised me to file my complaint with you and also to file my complaint with FTC with hopes of bringing this fraud collectors to justice. If this is not removed from my credit report I will file this with the case law attorney who is working on case against AFNI already.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (CA)

Complaint:
I am requesting that CFPB investigate how Comenity Bank, the servicer for the retailer XXXX, is assessing interest fees on accounts that have balances that are carried forward into the following billing cycle. 

In XX/XX/2022, I had a balance that carried forward. I subsequently paid the balance in full and Comenity Bank has continued to assess interest charges. 

I paid the balance on my XXXX statement in full and Comenity Bank assessed {$2.00} interest. On XX/XX/XXXX, I paid {$2.00} and for 5 days the balance was XXXX until I used my card for another purchase. Comenity Bank charged me {$2.00} in interest on my XXXX statement despite the last interest fee having been paid and the account having a XXXX balance  for 5 days before another charge was made. Comenity Bank is stating that I can't use my card until the next business cycle or they will continue to assess interest charges. 

This practice is nickel and dimeing consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

Complaint:
I mailed a Debt Validation ( 609 Letters ) dated XX/XX/2022 for verification of accounts listed under my name. This inaccurate information is giving a negative impact on my credit report. I also sent another letter for the method of validation. I have the right, Under FCRA that unverifiable accounts must be removed and it's been more than 30 days, I haven't received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (MO)

Complaint:
I initially contacted my creditor in which I knew I was under a program due to my financial situation. My creditor told me to contact Innovis ( who states they are like a 4th credit bureau ), and request the most recent documents from the creditors they were listing on the report. After being put on hold for several times, the representative instructed me to go back to my creditors and request the documents. I knew the company was not legit because they only reported 2 accounts and amounts were incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2019-07-27
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. (WA)

Complaint:
A fraudulent account was opened in my name on XX/XX/XXXX at XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, Account # XXXX This account was sent to collections and was a " charge off '' on XX/XX/XXXX for {$320.00}. This is a fraudulent account. I have never used this company and have no knowledge of the address attached to this account : XXXX XXXX XXXX XXXX, XXXX XXXX, TX. XXXX. 
I have never lived in TX, I do not have family in TX. I have been living at the same address since XX/XX/XXXX. I have not lived in any other residence. 
I have requested Equifax, XXXX and XXXX  to investigate and remove the fraudulent information from my report on XX/XX/XXXX. The information was not removed and still remains on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Complaint:
Received a credit card denial letter from Kohls department store that I did not apply for. My 2021 taxes were also filed by someone else and I was unable to file. I want to be sure this request does not effect my credit and my identity has not been stolen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
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:
Please see the attached identity theft report. Please also delete the credit inquires not currently tied to any open accounts.

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 2021-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Social Finance, Inc. (TX)

Complaint:
Sofi sent me a credit card I did not apply for. I tried to contact the company but they have no fraud department. There customer service number said they can help if its about a charge, but not on a card? 
Tried to dispute with credit bureau but the said we showed you applied for it and its yours, however they will suspend the card. I have a credit card and a hard inquiry on my perfect credit and I am buying a new house and this effected my Percentage amount on my loan. 
I volunteered to do a police report or affidavit and they said it wont matter, its staying on your credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
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: Innovis (UT)

Complaint:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Innovis has been reporting unverifiable and inaccurate information on my credit from XXXX which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send screenshot statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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. (PA)

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX  XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$14000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
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: EQUIFAX, INC. (AL)

Complaint:
On XX/XX/21 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation (NJ)

Complaint:
Recently, I tried to apply for parent plus loan to help pay for my daughter 's college expenses. I was denied the loan amount because my car was repossessed from XXXX  XXXX  ( also known as BridgeCrest ). The car was taken and sold leaving a balance of XXXX. 
I requested a letter from this company to show that I have made more than 6 months worth of payments on this account. The company refused to return any communication and did not grant my letter. In addition, I notice that this account was forwarded to a legal collections account who has applied an extra XXXX to this debt. What? This is not my 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 2018-05-01
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: Experian Information Solutions Inc. (FL)

Complaint:
I am writing to dispute the accounts referenced below. 

1. XXXX XXXX, XXXX, I should not have a balance with them as I have never used the services of XXXX XXXX XXXX in order for me to be charged. I returned the equipment they are billing me for within their return period, as a result, I am entitled to a full refund of the charges. 

I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify the debt ( s ). How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

Although you are a separate entity, I have disputed the item with XXXX and it was immediately removed from their credit report. What is the difference between your investigation and theirs? 

I enclosed copies of my requests to the collection agency, asking them to validate my debt, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. They have failed to provide me with a copy of the original contract, bearing my signature, solidifying the fact that this debt belongs to me. As a matter of fact, I don't recall receive any communication from them at all and it has been since XX/XX/XXXX when I sent communication out. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I will not escalate this matter any further upon removal of the item from my credit report. This is truly ridiculous. 

I look forward to an uneventful resolution of this matter.

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