hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2016-03-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Glass Mountain Capital, LLC (TX)

Complaint:
The rep calls and asks for me by first name, i ask who they are and they give their name and again ask for me, i ask again who they are with, and they refuse to identify themselves. The times they do identify themselves as glass mountain capital, it is after multiple attempts to ask them to identify themselves. This has happened everyday for at least three weeks.

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: 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. (AL)

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (TX)

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against FRANKLIN COLLECTION. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
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: Experian Information Solutions Inc. (NY)

Complaint:
I have a loan with XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : 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 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Complaint:
Viewed credit file through Experian in reference to XXXX XXXX ( XXXX XXXX XXXX ) account showing charged off in the amount of {$1400.00}

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 2023-07-25
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. (NC)

Complaint:
My name is XXXX 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.

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 2023-07-15
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. (CO)

Complaint:
TransUnion is reflecting an account *In Collection* by a XXXX XXXX XXXX ( Accnt no. XXXX for {$620.00} ) which appears to be a collection company. I filed a dispute advising that this account was not mine as I have no dealings with XXXX XXXX XXXX and do not know where or how this account originated. TransUnion returned the response in 4 days that the account was " verified as accurate '' but with no new information or indication what investigation into the dispute was done. 

All I want to know is where this account came from and how it ended up on my credit 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 2022-03-17
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: DISCOVER BANK (TX)

Complaint:
I filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days, and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IN)

Complaint:
I recently applied for Public Service Loan Forgiveness and have been employed in the public sector with the same employer for over 10 years. I have always paid my loans via auto-pay through my old servicer, XXXX XXXX. 

Today ( XX/XX/XXXX ), I was able to see the number of payments that qualified towards the program. For some reason, starting in XXXX FedLoan stopped counting my payments as being qualified to the program. FedLoan stated they will investigate my situation, but it will take 6 months to a year to complete it ( via phone XX/XX/XXXX ). I contacted my old servicer and they indicated I made no late payments ( via phone XX/XX/XXXX ). I also have autopay records going back to my first payment. 
FedLoan has announced they will stop being a servicer before the early end of that time frame quoted for their investigation, so I am stuck in a long-term limbo.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-24
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: National Auto Lenders, Inc. (FL)

Complaint:
I have filed complaints with the XXXX and the credit reporting agencies in refrence to a data provider NATIONAL AUTO LENDERS. I requested to please provide physical proof so I can validate the account and the alleged alligations. National Auto Lenders States whats being reported is correct but has not to respond to my certified request to allow me to verify the account or send me anything inrefrence to this ccount to support their statement. Im only inforcing my credit rights per section 609, please understand im well within my rights to request and verify this information without being ignored or insulted for inforcing my rights. I have also made an attempt by phone and was advised that I will recieve a call back but unfortunitely again to my disappointment no one responded or call me back. I have attached the letter sent to National Auto lenders and reciept of successful delivary. 

*Please be advised, My request for deletion only supports the FCRA and laws thats inforced for inaccurate, incomplete, unverified and unproven statements and alligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (AZ)

Complaint:
Good morning my name is XXXX ( XXXX ) about XXXX I attended XXXX and took out loans to pay for my school. Fast forward to now I am currently being garnish by XXXX ( XXXX ) for the past 3years to pay my school loan. XXXXACS ( XXXX ) just sent a judgment to garnish my wages as well US department of Education is off-setting my taxes and they as well as these collection agency XXXX, XXXX, XXXX, U S DEPT OF ED/GSL/ATL, ACS/XXXX are on my credit report with XXXX All are claiming ownership of my loan with XXXX for close to {$13000.00}. How can XXXX collection agency collect on the same loan triple dipping ...?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
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 — Was not notified of investigation status or results
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Complaint:
This collection agency is reporting to all three bureaus ( XXXX XXXX  and XXXX  ) on my consumer credit report that a debt is owed to them. The debt is entirely inaccurate and incomplete and as such, represents a very serious error. I have not received any communications regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation of the Fair Debt Collection Practices Act section 809. Their negligence has caused me distress and is hampering my ability to obtain credit and housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Complaint:
hello, my name is XXXX XXXX. 

Im custumer from capital one bank and i received email about my account has been locked without any reason. 

the email said XXXX, XXXX XXXX We restricted your account ( s ) We're restricting your Capital One 360 account ( s ) until we can verify your recent account activity. 

I think if something happend they should call me and talk to me about what is the activity they want made sure that is me or not. 

Now i cant paid my bill becouse my money is on hold. 

I feel really fustrated about this arbitrary decision was made with my account. 

i check all my activity and i didnt see any change for be consider suspicius for lock my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
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. (SC)

Complaint:
I have tried to resolve this issue and still haven't been resolved. 
My rights are still being violated according to FCRA 15 U.S code 1681 Findings and statement of purpose 15 U.S code 6801 Protection of nonpublic personal information 15 U.S code 6802 Obligations with Respect to disclosure -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
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. (WA)

Complaint:
I am enforcing my rights required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2021-07-06
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. (TX)

Complaint:
To someone in a position of authority, I am making a formal complaint because XXXX XXXX XXXX has placed information on my report without my consent, and without validating the debt. I reached out to this company over 4 months ago and I still have not received a response. I informed them that they were violating 15 U.S.C. 1681a ( 2 ) ( B ) as they were supposed to exclude information from my report that was authorized by a credit card. I informed them of this violation and they have not responded to my correspondence. Additionally, I asked them to validate the debt they are reporting on my consumer report with XXXX and Experian ; I made a formal complaint with Experian, and XXXX and both companies failed to show proof that this debt that they are reporting belongs to me. Because they failed to validate the debt with sufficient proof, they are in Violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. If I continue to be ignored about this matter I will proceed to seek litigation and remedy for {$1000.00} per violation for defamation of character, Negligent Enablement of Identity Fraud, and Violations of 15 U.S.C 1692g. I demand these accounts be deleted from my Experian and XXXX reports within 5 days, or I will move forward with litigation and remedy. I also demand that an updated report be mailed to me. Any actions taken to hinder my consumer report will also result in me seeking litigation and remedy. 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 2019-07-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (CA)

Complaint:
I owe around {$10000.00} to Chase, and am in a debt resolution program with XXXX XXXX XXXX. I provided Chase the number to XXXX XXXX XXXX, and was told not to have any further contact with Chase representatives, as XXXX representatives would handle it. As of Friday, XX/XX/XXXX I  have been receiving calls from XXXX XXXX, formerly known as XXXX XXXX XXXX. They are a credit collections company used by Chase. On Friday I received 2 calls, on both XXXX and XXXX I received one call, and today on XXXX I have received three calls. One of these calls was a call to my office asking to speak to me, however I was in a meeting. The man who called was very aggressive to my boss who answered. I checked with a lawyer and learned that repeated calls on the same day and calling my work are illegal practices. Calling my place of work puts my job at risk. As stated before, I have provided the number for XXXX XXXX XXXX, whom they are supposed to be working with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (VA)

Complaint:
On XXXX XXXX I sent TransWorld system a validation letter in regards to a collection account that was on my credit from them that was unfamiliar to me. TransWorld failed to respond or put my account in a disputed status within 30 days .... Per FCRA regulations all accounts must be placed in a disputed status within 30 days from the date of receipt ... Per my certified united States postal service mailing receipt TransWorld Systems received my letter on XXXX XXXX, 2017 ... As a result of a direct violation of FCRA, and also failing to respond I ask that this account be removed immediately and not sold to any other company ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
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. (FL)

Complaint:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lamont, Hanley & Associates, Inc. (PA)

Complaint:
I contacted Lamont , Hanley & associates about a letter i received stating i owe money- i asked them to explain to me and provide me with written documentation from company and they stated they didnt have to do that, i stated the debt isnt valid, i have emails from my company that submitted the paperwork to be answered. they threated that failure to pay today will result in adding negative to credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (CA)

Complaint:
This collection company started reporting on my credit without any written notification prior to reporting. This is not my debt, I was able to get the original creditor removed from my report and did not have a chance to dispute with the collection agency prior to them reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-10
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: CITIBANK, N.A. (CA)

Complaint:
I obtained a credit card with Macys ( card issued with Department Stores National Bank ) since 2003. I have used the card and paid it back throughout the 17 years. During this time, I noticed they have never reported the credit card on any of the 3 credit bureaus. I have contacted several times throughout these years. Each time they ask me to send a letter with my name, account number, full social, explaining the issue. I follow their steps and they dont resolve the issue. I did receive a letter 1 of those times saying it was resolved. Two weeks ago I checked and the card was not reporting. I contacted all 3 credit bureaus, and they confirmed it has never reported. I contacted macys again and once again they asked me to send them the letter with the same information. I did, and now they are giving me issues and do not resolve the problem. After 17 years, and several attempts from me to get this resolved, it still has not.

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 2019-03-22
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. (KS)

Complaint:
There are many mistakes appear in my report without my understanding.

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 2020-01-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (TX)

Complaint:
I noticed this company is reporting a collection from XXXX XXXX, however Ive been in contact with XXXX XXXX and Im currently paying them directly. 
Also this account balance is incorrect and is reporting differently to each bureau. How can this account be reported by a collection agency if Im paying XXXX XXXX? 
No one notified me of who this company is and I never received any communication from them. 
All information must be 100 % accurate when being reported. This is false, I do not owe this company anything as I dont even know who they are.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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: Experian Information Solutions Inc. (FL)

Complaint:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

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 2022-02-17
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:
XXXX XXXX Type - Auto Loan Reported : XXXX XXXX, XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX Reported : XXXX XXXX, XXXX CAPITAL XXXX Reported : XXXX XXXX, XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX. 
Reported : XXXX. XXXX, XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX Reported : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation