hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-01-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

Complaint:
On XX/XX/2021, I wrote to Midland Credit disputing a collection posted in my account and requested for more information, specifically validation on the debt. I sent the letter via certified mail ( XXXX tracking number XXXX XXXX XXXX XXXX XXXX ) and it was delivered on the XXXX of XX/XX/2021. In the letter, I also requested the company to Cease and Desist from reporting this debt to any Credit Reporting Agency as it was not validated. 

On XX/XX/2021, I received a letter back from Midland Credit. In their letter, they acknowledged the dispute and noted that they concluded their investigation and that the information reported to the credit agencies was accurate. 

On XX/XX/2021, I responded back to Midland Credit, advising that they had still not provided any proper validation for the collection account in my Credit Report and that they were violating my rights as a consumer for not providing this information. They had also not deleted the account from my Credit Report and the language used on the letter had violated several consumer laws. This letter was sent via certified mail ( XXXX tracking number XXXX XXXX XXXX XXXX XXXX ) and a return receipt was also included. I never received a return receipt back. The tracking number showed my letter was delivered on XX/XX/XXXX. 

As of today, XX/XX/2021, I have not heard back from Midland Credit, and they are still reporting the collection account on my Credit Report. I gave them 20 days to respond back and delete the account from my Credit Report but they have not done either. 

How am I supposed to pay an account that can not be properly validated? This could possibly be a fraudulent account that they can't even prove is mine. I asked for a signed contract, and nothing has been provided. Please assist me in obtaining a resolution, thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Couch Lambert LLC (TX)

Complaint:
I didn't receive information about the attempt to collect the debt and wasn't afforded the chance to settle the debt, and was blindly sued by ; Plaintiff ( s ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Attorney XXXX XXXX XXXX Couch Lambert LLC, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX Case number XXXX Court XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Texas XXXX XX/XX/2022, I was served with the citation and called Couch Lambert LLC at XXXXXXXX XXXX. I spoke with XXXX XXXX and was told they sent a demand letter by mail. I responded that all of my information remained the same and that the mail must not have reached me and was maybe lost, but I did not receive it. I also mentioned that a lawsuit without first calling me to settle the debt is a bad business practice and has brought me more stress, especially since I am an unemployable 100 % XXXX veteran and that my only source of income is VA benefits and a Department of Defense annuity. She further requested that I send my bank statements to their attorneys for review. 

This is a bad business practice, and not only that, I am being put through unnecessary pain and suffering the fact that I have a medical condition such as XXXX XXXXXXXX that is being triggered by their lack of due diligence. All XXXX had to reach out instead of the unnecessary lawsuit without exhausting all means to settle the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NM)

Complaint:
XXXX, Experian and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.

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 2021-05-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AR)

Complaint:
I reviewed a copy of my credit report and I see that there is a bankruptcy item listed that I'm not aware of. I attempted to contact the company and request verification and received nothing back. I understand that this a violation of FDCPA and need to have the account deleted from my credit profile.

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 2022-12-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Vargo & Janson PC (CO)

Complaint:
I received a notice of Collection letter from Vargo and Jansen. I submitted a request to have the debt verified. I outlined specific Information that needed to be included. I said that if it could not be provided to me, to not contact me again. Vargo & Jansen still contacted me trying to use their generic tactics to verify a debt. A couple of statements showing no activity and fees being charged on top of fees doesnt cut it. I asked for the original signed contract between myself and the original creditor. That was not provided. I feel that Vargo and Jansen violated FDCPA because I asked not to be contacted if that couldnt be provided. They contacted me anyway. I am currently working with a family friend to take Vargo and Jansen to small claims court for the FDCPA violation. I do not owe this debt. I have attached the letter I sent and their response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: AMERIS BANCORP (NY)

Complaint:
I am writing about ameris bank and manager XXXX XXXX who was let people inbesele XXXX   XXXX in and out of my account I had fought and I had taken a bank check for the money I had from social security fraud that XXXX XXXX was doing with XXXX XXXX in XXXX XXXX county XXXX Florida and now i'm in XXXX XXXX and my credit dropped because of ameris I a a credit card that was insured on my account which had the money on u bank insured for XXXX I am XXXX and I can't have that much money in my name so I had to take it out to prove what has been going on with my accounts I had 2 with them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
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. (MI)

Complaint:
In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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 with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (IL)

Complaint:
This is my parents phone number. I setup a payment plan and gave them my phone number and told them that I ca n't be reached at the number they have been calling and to stop calling. They stopped for awhile but are now calling my parents multiple times per day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC (TX)

Complaint:
I received an insurance check from my Insurance company made payable to me and the mortgage company. The mortgage company signed the back of the check and returned it to me, to be deposited into my Etrade checking account. I submitted the check using the mobile banking app, as there is no physical branch in my state. The check was rejected, per email sent to me, because it was made payable to me and the mortgage company. I called Etrade bank and was informed they do not accept checks made payable to the account holder when someone else is listed as the payee and not listed jointly on the account. When someone receives a claim check related to a property insurance claim and a mortage is associated, the mortgage company will always be listed on the check as a joint payee. This bank has placed me in a difficult postion and I can not begin to rebuild my home until this check is deposited and funds are available. I am left we no option to deposit my check with Etrade because their system rejects the check when attempting to re-deposit. I reached out to the insurance carrier and they said never before has this happened to any other clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
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. (MI)

Complaint:
I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the letter and the tracking # s. 

According to the FRCA The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was updated/remains/verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts is still reporting 100 % accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

List of inaccurate Accounts XXXX XXXX XXXX Acct # XXXX XXXX Cred Account : 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 2023-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NY)

Complaint:
I opened a wells fargo checking account on XX/XX/ 2023 through online. 
while I was opening the account, wells fargo asked to put the minimum deposit to open an account. so I made {$100.00} transfer to wells fargo account # XXXX from my XXXX account # XXXX. On my XXXXXXXX XXXX statement, {$100.00} was transfered to wellsfargo on XX/XX/XXXX. 
on the same day, I fount out there is no branch near me so I wanted to close the wells fargo account I just opened. 

{$100.00} already transferred to wells fargo account from XXXX. I spoke to XXXX and they said {$100.00} already left out of their hands and settled to wells fargo. 

I talked to the agent in wells fargo and they never received {$100.00}. 

Because I closed the account on the same day I made transfer, but that transactions was not cancelled and I need {$100.00} back to my XXXX account. The agent who closed my account did not do the right action.

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 2021-03-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Complaint:
I was a victim of the XXXX  data breach so this past summer I sent a letter to the bureaus expecting all of the inaccurate items to be removed from my credit report. NO RESPONSE smh now again in XXXX I send another letter with ( you guessed it no response ) and I believe they're taking advantage of me. It's been well over 30 days again and I think it's time for you to fine them and force them to take these items off of my credit report. I've did everything I can to reach out to them so hopefully you can have better luck than me. They're violating my consumer rights and stopping me from getting new credit

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 2022-07-19
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. (OH)

Complaint:
XXXX XXXX  reports on my credit file And account is not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
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: EQUIFAX, INC. (CA)

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NJ)

Complaint:
I received phone calls from the same number out of XXXX XXXX, California (XXXX) on XXXX XXXX at XXXX, XXXX, and XXXX.  I usually don't answer these types of calls, but the last two times I did because I actually had an issue with a parking ticket in XXXX XXXX when I visited there back in XXXX, so I wanted to make sure the call was not about that.  Both times that I answered no one on the other end responded.The same number called again on XX/XX/XXXX from someone saying they were from Midland Credit Management.  They claimed they were calling me in regards to a debt on a XXXX XXXX  XXXX  that was closed back in XXXX???  They had information that I owned the card from XXXX  until XXXX  (I believe this is true…I did have a XXXX   card around that time that was cancelled by XXXX  due to inactivity), and that the account was closed by another party in XXXX.  They threatened that if I didn't pay the debt they would make a denunciation on my credit report???  First I told the woman on the phone that all of my bills are currently paid.  She insisted that I have a debt that needs to be paid.  I asked them how it is that I am receiving a call now about an account that was closed in 2011…this makes NO sense!  The woman again told me I have a debt to pay.  I asked her to clarify what this particular "debt" is for, and she said it was for a roughly $80 past charge on the account which was closed in XXXX?  I told her I did not understand what she meant, and I asked what the charge was exactly for.  She told me to hold while she looked up my account information, and after a little over two minutes on hold (I heard the woman clear her throat a couple times) she hung up on me.  They have not called back in the 7 hours since.My biggest concern is that I know my XXXX information was breached during the recent cyber attack against them. The fact this woman had my account history that could have come as a result of this breach makes me wonder if this company is linked with that cyber terrorist attack, and why I am making this complaint.  I did a little research myself and see that this “company” has been harassing people with false claims since XXXX.  Something needs to be done to shut this down!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
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. (FL)

Complaint:
I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (DE)

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a5 Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish an information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I demand this account be deleted from my credit report. This account has previously been deleted ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) but was sold again into collections. Which is invalid. Due to false reporting, I am able to file a lawsuit And it will be a fine per inaccurate violation. 

I did not give them permission to use my information. 

I have contacted the lenders asked for the written consent I gave them and none of them could provide me with said documents.

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 2023-05-18
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:
XXXX refuses to remove the following accounts that do not belong to me. I did not open these accounts they were opened without my knowledge. XXXX XXXX XXXX XXXXXXXX # XXXX is not my account and was opened without my knowledge or consent. 
XXXX XXXX, reporting late payments and the account is not mine it was opened without my consent. XXXX XXXX XXXX XXXX is not my account and i didn't open the card. XXXX XXXX XXXX is not my loan My identity has been stolen also showing late payments up to 120 days. They have 15 inquires that i have been disputing since i saw them on my report and they refuse to remove them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are just examples but i have told them multiple time my identity was stolen. The also have a name on my report saying also known as XXXX XXXX. I am a girl this is ridiculous. They are reporting late payments as well which is illegal for multiple accounts. I have attempted to get them to update the information they are reporting but its to no avail. Please help my Identity was stolen and this bureau has not attempted to help me at all. 
XXXX XXXX CREDIT BUREAU IS REPORTING SOME OF THE SAME FRAUDLANT ACCOUNTS THAT I DID NOT OPEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they even have a collection for a medical bill form commonwlth fin They are also reporting 13 inquires that are not mine. ALL 13 inquires are not mine. 
EQUIFAX CREDIT BUREAU Is report even old addresses, XXXX XXXX XXXX XXXX XXXX XXXX is not my address and never has been XXXX XXXX XXXX XXXX, They also have late payments from student loans which is illegal, XXXX XXXX XXXX XXXX WHICH IS NOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND they have 12 inquires in my report that are not mine as well. They have collections as well. 
Please have all the Credit bureaus to delete these accounts that were opened fraudulently and the address/names and inquires that are not mine as well. I have not supplied proof under the doctrine of estoppel by silence Engelhardt V Gravens ( MO ) 281 sw 715,719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 
This false information needs to be removed immediately or they will each pay per day they have the false information on my credit reprot. I will also be suing for defamation of character. XXXX XXXX, Equifax and XXXX Have now been given notice to remove the information on XXXX The information must me removed before 30 days.

Company response to consumer: Closed with explanation