hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-06-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (PA)

Complaint:
I have been trying for years to resolve this debt with this company. I have sent many letters and calls asking them to provide in FULL detail their claims I owe the amount they are requesting me to pay. This debt is from 2014 and was bought out from another debt collector. I have asked to provide me ALL transactions with my signature of all purchases totaling the amount owed. All they sent were copies of only a few months before default. I am disputing the amount owed to LVNV Funding due to them not proving the TOTAL amount owed and their continued reporting to Credit Bureaus of current monthly status to keeping account open. They have damaged my credit and reputation. I am writing to your office to please help me resolve this clear violation of my consumer rights by LVNV Funding LLC. They are unfairly and inaccurately reporting on my consumer report and it is negatively affecting my character, my mood of living, and my general reputation. I have been damaged as a result of their unfair and inaccurate reporting. I have exercised my specified remedy, notice of debt violation, ( Pursuant RegulationF,12 CFR 1006 ) many times with no response. I sent a notice of debt validation ( Pursuant RegulationF,12 CFR 1006, 15 USC 1692 ) as well as cease and desist all forms of communication with me pursuant 12 CFR 1006 ( c ) ( 1 ). LVNV Funding LLC has violated my rights pursuant 12 CFR 1006.34 ( c ). They have failed to provide all the required Documentation as per my request under the new rule Regulation F and validation of debt. the law is explicitly clear, and LVNV Funding LLC Debt validation period has ended LONG AGO and they FAILED TO PROVIDE ALL REQUIRED validation information AS PER LAW 12 CFR 1006.34 ( c ) Validation information. They are still trying to communicate with me through furnishing unfair and inaccurate information on my consumer report. ALL collection activities on this ALLEGED DEBT that they FAILED TO PROVIDEMUST BE DELETED immediately. Please help me by assisting me in resolving this clear violation of my consumer rights by LVNV Funding LLC reporting the collection and the disputed status on my Consumer report with a DELETION IMMEDIATLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Complaint:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and Transunion has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : XXXX 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 2021-11-17
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (IL)

Complaint:
Citibank did an unauthorized webex transfer from my XXXX money market account in the amount XXXX {$50000.00} on XX/XX/2021 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: Experian Information Solutions Inc. (PA)

Complaint:
On XX/XX/XXXX a dispute letter was sent on my behalf to XXXX XXXX, and the three major credit bureaus XXXX XXXX XXXX, Experian XXXX with the intention of opening an investigation hoping to be provided with some form of written agreement stating that this account in fact belongs to me. As this account opened in XXXX of 2018 with a credit limit of XXXX XXXX appears on my credit file as a charge-off. I have no knowledge of this account, and after the conclusion of the investigation no proof was provided to me proving otherwise although my account has been updated. It is my understanding that if proof can not be provided, the account should not and can not be reported according to the law on my credit 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 2022-10-31
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$3000.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXXXXXX {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Complaint:
This is my second 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2900.00} XXXX XXXX ( Original XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$78.00} XXXX XXXX XXXXXXXX Balance : {$7900.00} XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-20
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Complaint:
I purchased a car through Capital One auto loan financing and when I was done paying for the loan they sent a letter to the three credit bureaus that the loan was charged off it was not so I wrote them a letter on XX/XX/2019 and they told me that it was a charge off. So I got XXXX XXXX  to help me get it off my credit and they could not get it off my credit so I come to the XXXX for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
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. (CA)

Complaint:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information and items which do not belong to me. Please block/remove these items : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX BANK ) XXXX Balance : {$410.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$280.00} XXXX ( Original XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BANK ) XXXX Balance : {$410.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} JXXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (FL)

Complaint:
On XX/XX/21, I discovered a {$5000.00} unauthorized cash advance was made on my Wells Fargo credit card ending in XXXX. At approximately XXXX XXXX. on XX/XX/21, there were no other cash advances listed or pending, and after reporting it to Wells Fargo, this card was closed. A new credit card was issued. 
On XX/XX/21, I went to a Wells Fargo branch office, and discovered that my savings account ending in XXXX had received the {$5000.00} from the credit card, and then unauthorized XXXX transfers of this amount going to an individual unknown to me had been made. This savings account was closed. 
On XX/XX/21, I went to the same branch, and reported that an additional unauthorized cash advance of {$5000.00} was taken from my closed credit card ending in XXXX. This money was deposited into my new savings account ending in XXXX, and then {$5000.00} was transferred with XXXX to the same unknown individual. 
On XX/XX/21, the Wells Fargo online fraud unit concluded that I, or someone I authorized, committed the above mentioned felonies. I did not. 
On XX/XX/21, XXXX XXXX from the Wells Fargo XXXX unit, stated that I had been a victim of online fraud, and that there were various attempts from XXXX, XXXX, and XXXX to access my account. She had gone over my history, and determined I had never taken a cash advance or used the XXXX system. 
My complaint is that Wells Fargo did not properly monitor my accounts, and allowed subsequent fraudulent transactions to be made after I made my initial complaint to them. 
I would like this to be resolved because my credit card is still showing that I owe {$10000.00}, which includes the two withdrawals, fees and interest. 
I have had a checking account with this bank for 26 years, and find this treatment outrageous.

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 monetary relief
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NJ)

Complaint:
Navient Account Student Loan 1 High Credit {$15000.00} paid in full Student Loan 2 High Credit {$16000.00} currently on time Total account XXXX Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit. 

They report 95 % This is not correct. The limit was XXXX. The debt to income ratio should be reported at 45 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
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: Avid Acceptance, LLC (UT)

Complaint:
I did not authorize this credit check.

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 2023-04-03
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: LEXISNEXIS (MT)

Complaint:
I filed a letter with XXXX in XXXX  a year ago letting them know they were in violation of15 US CODE 1681b ( a ) ( 1 ) ( 2 ) as i never gave them permission to report a bankruptcy on the credit report, i mailed them a letter from the bankruptcy court that said the court does not publish or sell that information. so the only way XXXX & lexis nexis could have obtained my social security to verify it was me is if a third party obtained my information and social security number illegally which is identity theft and fraud. 2nd XXXX is in violation of 15 US CODE 1681e ( b ) for accuracy as XXXX XXXX XXXX and XXXX  are reporting completely different information about the bankruptcy and debts and collections. all of the collections were not authorized by me i never gave them permission to report these accounts. Lexis Nexis is also reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
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:
report wrong address XXXX XXXX XXXX XXXX tx 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 2018-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc (CA)

Complaint:
I attempted to cancel my XXXX XXXX membership today XX/XX/XXXX. I went to the gym and they told me I had to call XXXX. I did so and hey would not accept my cancelation and onXX/XX/XXXX they intend to charge me {$50.00} for a yearly membership. I am a senior citizen on a fixed income and can not afford to pay this charge ... ..I then called my XXXX Credit Card and they told me they can not refuse the request for payment. I have to let them pay the {$50.00} and then dispute it ... .Something is very wrong with this system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
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. (DE)

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of Identity Theft and did not make the changes to my credit profile. I ask that the items be deleted to correct my credit profile. 

I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the FTC Affidavit. Please delete as soon as possible.

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 2023-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CO)

Complaint:
Dozens of debits totalling about {$54000.00} took place over the course of several months. I failed to notice as I was able to pay my bills

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 2018-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Complaint:
Fillied a disputes on XX/XX/XXXX About two transactions from XX/XX/XXXX for {$2500.00} and XX/XX/XXXX for {$2900.00} for XXXX. 
This vendor has failed and canceied all the services purchased. Capital One has failed to abide by Consumer Protection Laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (TX)

Complaint:
To : EQUIFAX Information Services LLC Reference to the above-mentioned subject and the below Disputes confirmation numbers, we are officially and legally asking EQUIFAX to release Any and ALL documents, pictures, videos etc that you received as a prove that you accordingly decided to complete and close the following NINE ( 9 ) False Collection amount dispute requests by responding to all of them by the following messages : Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Collection : INNOVATIVE RECOVERY INC EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU.

Release all documents that you get it under investigation for EACH of the following Dispute requests confirmation numbers : 1. Dispute Confirmation number : XXXX Closed by XX/XX/2023. 
2. Dispute Confirmation number : XXXX Closed by XX/XX/2023. 
3. Dispute Confirmation number : XXXX Closed by XX/XX/2023. 
4. Dispute Confirmation number : XXXX Closed by XX/XX/2023. 
5. Dispute Confirmation number : XXXX Closed by XX/XX/2023. 
6. Dispute Confirmation number : XXXX Closed by XX/XX/2023. 
7. Dispute Confirmation number : XXXX Closed by XX/XX/2023. 
8. Dispute Confirmation number : XXXX Closed by XX/XX/2023. 
9. Dispute Confirmation number : XXXX Closed by XX/XX/2023. 

All document should to be send to my OFFICIAL Address listed here below : XXXX XXXX XXXX  XXXX, XXXX, TX XXXX Thanks in advance for your URGENT and Prompt reply! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
I, XXXX XXXX, checked my credit report and noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit bureaus to remedy the situation but they would not help me to remove these fraudulent 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 2023-05-12
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. (MN)

Complaint:
XXXX XXXX XX/XX/2021 This account was the result of identity theft I did not authorize this payment.

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 2019-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (CA)

Complaint:
I applied and received a XXXX XXXX on XX/XX/XXXX. There were no problems or difficulties initially. I requested and received a physical card. I made my first purchase with it on XX/XX/XXXX for XXXX dollars. This worked without issue. I attempted to make a large purchase on XX/XX/XXXX for XXXX. This was declined. I called in figuring they needed verification. The first woman I spoke to said my account was in review and they could not verify my information. I escalated to her " Supervisor '' whom repeatedly misgendered me on the phone. When corrected, the " supervisor '' stated and I quote, " Ok Ma'am whatever you want to call yourself. '' That was call one. I then contacted XXXX on XX/XX/XXXX. I was informed by apple support that they would get me in contact with Goldman Sachs to resolve the issue. The agent at Goldman Sachs stated that they can not resolve an issue via inbound call so they would arrange a call back. I never received a callback. Subsequent calls to find out a status have been met with a " Don't Call us We will call you '' that never receives a call. On XX/XX/XXXX I attempted to use the inline support through the XXXX App on the XXXX and received the same " Don't call us we will call you. '' response. I will attach the chat log to this image. 

Thus far the treatment I have received from both XXXX and Goldman Sachs has been abysmal and in Goldman 's case even included some discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Riverwalk Financial CORPORATION (NC)

Complaint:
On XX/XX/2020 ; I contacted Riverwalk Credit Solution to advise them that due to the pandemic they have cut my hours and J can not afford there services. They told me I had to cancel there services. I went on there website and printed and signed the cancellation form they had on line and sent it to them to cancel. They called me back and told me they will not honor the cancellation and that they are going to hold me to the contract. They then debited my account for {$190.00}. Prior to this they did not have all of my information and still debited my account. There aggressive strong arm tactics are unfair due to this pandemic that caused myself and so many Americans to be unnecessary hardship.

Company response to consumer: Untimely response