hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Complaint:
Hi XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Complaint:
Date opened XX/XX/XXXX Details XXXX XXXX  Additional information Account is in violation 15 usc 1681a Account collections XXXX written off. XXXX past due as of XXXX XXXX which is failure to report complete and accurate information. Showing a past due balance on a closed account is a violation of 15 usc 1681 As well is incomplete inconsistent and accurate information violation of 15 usc 1681 XXXX shows payment history from XX/XX/XXXX delinquent and a past due balance and collection status with one month term XXXX collection past due no term unpaid status TransUnion show no payment history opened account no term no status All three were updated as of XX/XX/XXXX Each affect by FCRA LAW does not SHOW COMPLETE ACCURATE AND CONSENT I have given 30days for the investigation to properly be done and i do not believe it has been done and now I am DEMANDING THE ACCOUNT TO BE DELTED AND I WILL SEEK TO EXCERISE MY RIGHTS TO FILE SUE TO SEEK DAMAGES UP TO 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 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (NC)

Complaint:
Account showing closed when still open have attempted to resolve but Continues to harm ability to seek financing with other companies

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 2023-07-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Regional Collection Services, Inc. (IL)

Complaint:
I am receiving robocalls from a crooked debt collector and have no idea who they are and do not owe them anything! They are harassing me by calling me leaving messages from a fake number XXXX! I think they said it was Regional Collection Agency! I never received a letter from them so could not dispute which is a breach of the FDCPA! Tell them to CEASE and DESIST and enforce the laws on them!!!!

Company response to consumer: Untimely response
Consumer complaint received 2023-08-19
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. (NC)

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$2700.00} ; XXXX XXXX XXXX  XXXX Balance : {$20000.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # 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 an 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 2016-07-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pressler & Pressler, LLP (NY)

Complaint:
I received a letter in the mail from Pressler and Pressler, claiming I owe a balance of {$890.00}. I directly disputed this last year with the XXXX credit bureaus and it was removed. They are still harassing me claiming that I owe them this money and if it is not received they will attempt to garnish my income and any money in a bank I may have. This information had been removed from my credit reports as of last year, and I no longer was responsible for it. These people went so far as to send a suspicious person to my home last year to " serve '' me court documents. I have never received an official judgement or court appearance notice in the mail from the actual courthouse, and again this was removed from my credit report. I want these people to send me a written apology and I do not wish to receive any further communication from these bullies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
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: EQUIFAX, INC. (PA)

Complaint:
I HAVE AN ACCOUNT FROM XXXX XXXX XXXX XXXX SHOWING AS A CHARGE OFF ACCOUNT. THIS IS NOT MY ACCOUNT AND SHOULD NOT BE ON MY CREDIT REPORT. I HAVE CONTACTED XXXX IN REGARDS TO THIS ACCOUNT MANY DIFFERENT TIMES AND THE ACCOUNT IS STILL SHOWING ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
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. (FL)

Complaint:
I recently pull my credit report and noticed a few accounts on there that was open fraudulently. I before reach out to the credit bureaus i took the time to reach out to the company and they could not verify any information. I am a victim of identity theft, i did not consent to, authorize nor benefit from any of the following accounts. Block and delete them.

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 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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. ( a ) ( 5 ) 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 any 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.

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 2022-04-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weber & Associates, Inc. (CA)

Complaint:
I have 2 XXXX XXXX from the same XXXX entity, XXXX XXXX. The first one is for a XXXX XXXX XXXXXXXX they charged me for that is covered 100 % by my insurance. I received the XXXX XXXX in XX/XX/XXXX. Someone in their office miscoded it as just an injectable and not a XXXX XXXX XXXX so they are charging me {$140.00} when it should be 100 % covered. They are also trying to charge me for the office visit for that shot, which is also covered under the free birth control benefit I have. 

The second charge is for a {$25.00} office visit in XX/XX/XXXX that was actually just a phone call giving me the results of a scan I had. Not only are virtual/phone appointments free under my insurance plan, this also happened during COVID so I was forced to have a phone appointment because I was not allowed to go into their office. I have never heard of being charged to get told your test results. 

I have contacted the debt collector and it took him over 3 months to get a response to me and basically all he said is that the creditor says the debt is valid. There was ZERO research done into my insurance benefits and that these are covered items. They just simply said the amount is owed. I do not feel it is fair to have my credit effected over something I should have never been billed for in the first place. I have been trying to resolve one of these for almost 2 years now, and was ignored until it went into collections. Now the debt collector wont help me any further even though I can prove that I am not supposed to be charged for what they billed me for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Accounts, Inc. (ND)

Complaint:
I have contacted United Accounts Inc on several occasions to delete a account # XXXX that was an incorrect account. The original creditor ( XXXX ) also called them and confirmed this should be deleted immediately as it was an incorrect account. United Accounts is claiming they submitted the request for the account to be deleted on XX/XX/2019. I have talked with XXXX on several occasions and they stated that they only thing they have done is confirm the amount owed. United Accounts refused to send an update until the end of the month again. They told me I would have to wait until XXXX and see if it comes off. This should not happen at all, when it was requested by XXXX it should have been immediately deleted! They are now only restating the already talked about situation and refuse to do the right thing. I have contacted all the credit bureaus and none of them have this request at all, they said if it was submitted they would have received it immediately and it would be deleted almost immediate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
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. (TN)

Complaint:
After reviewing my credit report and understanding that based on 15 USC 1681 any inaccurate information needs to be removed. The credit bureaus are not making sure that they are getting these inaccuracies off my credit report. As a consumer I have a right to have all alleged fraud or unverified items off my credit report but yet the Credit Bureaus is not taking this matter seriously. I have attached a copy of my ID and my FTC report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (SC)

Complaint:
XXXX mailed certified letter to AmeriCollect requesting debt verification and all information requested in letter be sent, if available ( attached ). 

XXXX - AmeriCollect responded with original creditor 's bill and over half of information requested not available. Also, my legal name on their files are incorrect. 

XXXX - collection REMOVED from all credit reports. 
during this time and XXXX collection account was placed back on all reports. 

XXXX mailed another certified letter requesting complete documentation for a second time. All information requested in yellow was not provided the first time. This letter was received on XXXX at XXXX and I received a voicemail from them the same day at XXXX. ( ALL information attached ) XXXX I received a letter stating that my request was " frivolous and irrelevant. '' I have disputed this because they can not provide requested information and my name listed on the bills are not my legal name. They also continue to call daily, sometime twice a day or more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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. (CA)

Complaint:
Equifax hacked and my data was breached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

Complaint:
On XXXX XXXX I wrote a letter to Experian asking them to remove inaccurate information on my credit report and sent all of the required documents that they needed in order to proceed with their investigation. On XXXX XXXX, they responded by saying that my request to investigate said accounts did not appear as though it came from me, therefore they will not initiate a dispute nor any further disputes. The first time I called to dispute, they responded by saying I had to write them directly, which I did on XXXX XXXX. Now their written correspondence requests me to call them ( see attached letter ) in order for them to proceed with the dispute?? This is insane and definitely a stall tactic. I have studied credit reporting laws enough to know that they are giving me the run around and denying my my right to dispute the items on my report. This is a DIRECT violation of my consumer rights according to the Fair Credit Reporting Act and it furthermore stalls the investigation process.

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 2021-11-16
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. (VA)

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
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. (GA)

Complaint:
1. Never authorized credit report usage 2. Don't recognized 3. Not associated with an open authorized account Inquiry details XXXX XXXX from XX/XX/2018 2018

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 2023-05-05
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. (NY)

Complaint:
i am a natural person, i am a living human being, i have rights under 15 USC 1681. Transunion is govern by 15 USC 1681 and they violated my rights numerous times. i demand the accounts listed below be remove because According to 15 USC 1681 : i have the to privacy and i did not give transunion written permission to furnished these accounts TRANSUNION ILLEGAL AND ADVERSE REPORTING ( 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. I attach my credit report of transunion adverse reporting with multiple names, addresses, hone numbers and employer. 

According to 15 USC 1681 : i have right to privacy and i did not give transunion written permission to furnish these 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 non-monetary relief
Consumer complaint received 2022-12-02
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. (TX)

Complaint:
Hi I am XXXX XXXX submitting this without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX {$4700.00} XX/XX/XXXX XXXX XXXX {$140.00} XX/XX/XXXX XXXX XXXX {$44.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$610.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$470.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$16.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$940.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX & XXXX Original XXXX : XXXX XXXX XX/XX/XXXX {$240.00} XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX  XXXX XXXX  XXXX. 
XXXX XXXX XXXX, XXXX {$750.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XX/XX/XXXX {$340.00} XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX 
XXXX XX/XX/XXXX {$290.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX. 
XXXX XX/XX/XXXX {$800.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

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