hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2018-02-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NC)

Complaint:
In XX/XX/XXXX after being alerted to a collection account added to all 3 credit bureaus, Midland was  sent a dispute and validation request for the alleged debt. In XX/XX/XXXX the attached response was received. As you can see Midland has failed to validate the alleged debt with the requested contract signed by alleged debtor that outlines obligation to pay original creditor and/or Midland, requested contract between original creditor and Midland allowing them to collect on this alleged debt, requested signed receipts linking credit account to alleged debtor as this is appears to be a credit card debt, or requested detailed billing history to prove amounts owed on the alleged debt especially considering that the statement that was provided does not explain how an alleged credit line of {$400.00} turned into an amount owed of {$810.00}. With the information that is present on the statement provided, it appears Midland is attempting to collect an invalid amount for this alleged debt. I am further concerned that Midland may be reporting invalid information as they allege the debt was charged off XX/XX/XXXX which appears to conflict with the statement due date of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-26
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: CITIBANK, N.A. (CA)

Complaint:
XXXX client, XXXX XXXX is a victim of identity theft. She was notified that someone used her information without her consent to apply for an account with CBNA. While an account was not established the application resulted in a fraudulent inquiry on her XXXX credit report X/XX/17. An official dispute of this inquiry was sent to CBNA XX/XX/17 however as of today XXXXX/XX/2017 the fraudulent inquiry is still being reported which is a violation of her consumer right under the FCRA.

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 2023-08-24
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: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Complaint:
This involves a case where the use of my identity was used by someone unknown to create credit accounts and create debt which were not mine. I had contacted the CRAs and Portfolio Recovery in order to get the issues cleared up. Portfolio recovery Did Not advise that the debt was voided because it was a case of ID theft. They simply indicated that at that specific time they were closing a case, but offered no actual resolution as to the disposition of the accounts they were collecting on the bahalf of XXXX XXXX. The accounts they were collecting were a result of ID theft and as I did not incur these debts or ever personally enter into any contract extending credit to me with this bank I feel I have been put under distress from Portfolio Recovery. Yet in spite of me filing a police report and repeatedly attempting to have these issues addressed, Portfolio Recovery seems to be ignoring these pleas from me to correct the issues in a manner which lets me know these accounts were permanently removed and never to come back again. I have no choice but to file my grievances here as well as filing suit against them. Their erroneous reporting has caused me anxiety and undue stress and hardship to me emotionally and financially. I have gone through hours of my time sending letters, filing reports and doing anything I could to correct this. Yet Portfolio Recovery ignores me and continues to leave the situation, as I interpret it, quite open to these debts returning since they are still showing under the creditor 's pursuits. They have attempted to call and harass me in the past and I have told them that these collection accounts are a result of fraud, yet they do not do anything to help resolve the issues in a manner which is final and absolute. This is not acceptable. I have suffered on many levels due to their inability to correct these issues!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IN)

Complaint:
Hello, I would like to formally complain about how Navient is handling my student loans. I am very close to contacting lawyers to help me solve my issues as well. 

Loans in question are 2 private loans. 

Loan one - I took out on XX/XX/2007 for {$36000.00} I have always paid the amount that they give me as my minimum payment and have even paid OVER a time or two. I have deferred the loan a couple of times but only for a couple of months and at the very most 6 months total in time. I have paid into this loan over {$52000.00} to date. My loan balance as of today is {$41000.00}. I feel this is predatory and my minimum amount due should never be so low that my balance grows even while making payments on time. I have asked multiple times to Navient to lower the interest rate. I signed up for the loan with a rate lower than 6 % and it is now a 9.5 % rate and at times even went to a 10.5 % interest rate. 

Loan two - Is not as bad. I took this loan of {$12000.00} out on XX/XX/2007 and same as loan one have made the proper payments, may have been late a few times but always caught it up. I am a XXXX  so sometimes I don't have money and then others, I have a lot to catch up on things. But I have never been over 2 months late and never have had it deferred for more than 6 months total time. With making the payments that are set by Navient I have paid them {$16000.00} to date and my loan balance today is {$12000.00}. 

Two Loans were taken out totaling {$48000.00} in 2007, 12 years later and payments totaling over {$68000.00} and my current balance is {$53000.00}!! 

If this isn't predatory or illegal, I don't know.. This just does not add up. A company just collecting a debt should NEVER put out consumers like this. I can't afford a house and have put off a lot because of these loans only to find out that even paying what they say to pay is actually just making the balance increase?!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
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 (MD)

Complaint:
An agreement was reached under the supervision of the state attorney general consumer affairs division for a merchant to cancel a contract and refund me {$6000.00}. This refund was issued to me on XX/XX/2022 on my Capital One credit card ending in XXXX. Even though this card was closed down on XX/XX/2022 for fraud, Capital One assured me that the card is linked to my new card and the credit should post. Till now, I have not seen the credit of the {$6000.00} being posted to my account. I have seen other credits from other merchants that were charged under the XXXX and for which all or partial credits show on my new card. 

Capital One confirms ( letter attached ) that the credit of {$6000.00} was issued by the merchant but doesn't state why they did not post the amount. 
The merchant provided me proof of credit issued ; the {$6000.00} withdrawn from his XXXX  XXXX XXXX account, Deposit Id to Capital One for the transaction all of which are enclosed here. The agreement and cancellation of my contract with the merchant is also provided here. 
Capital One confirms that the merchant issued the refund in a recent letter ( attached here ). So what seems to be the problem????? Why are they keeping my money????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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. (FL)

Complaint:
A follow suit letter was sent out to XXXX on XX/XX/23 to remove item ( XXXX ) as it was removed from the other credit bureaus. 

Ive also sent out a letter to XXXX and Experian on XX/XX/23 for method of validation of accounts named : ( XXXX & XXXX XXXX ). 

Another letter was sent out to XXXX on XX/XX/23 to remove unauthorized inquiries on my credit report. The negative items are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), under federal law, the credit bureaus have 30 days to complete the investigation, with physical verification of the original signed consumer contract. Which the credit bureaus have failed to do so.

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 2022-11-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NY)

Complaint:
XX/XX/XXXX To Who it may concern ; This is about the consumer credit transaction entered with your XXXX XXXX dated XX/XX/XXXX and I extended that organization the credit for account XXXX. I hereby give your company ALLY FINANCIAL notice pursuant to 15 usc 1602 ( k ) that your company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction.

ALLY FINANCIAL didnt even inform me and the cost of credit, with the ONLY evidence of indebtness was just a computer-generated agreement. According to 15 usc 1602 ( k ) the term adequate notice means a printed notice to a cardholder which set forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have notice it and understand its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the card holder. 
Since adequate notice was not given as per the above-mentioned section, I couldnt understand its meaning which is a violation under 15 us 1602 ( k ).

Furthermore, pursuant to 15 usc 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction, therefore made and uninformed decision and it resulted in multiple billing errors and unfair credit card practices.

From your end, I have not benefited from this transaction which again is a violation of 15 usc 1602 ( p ). According to 15 usc 1602 ( p ) the term unauthorized use means any use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from which cardholder received benefit.

I hereby request you do the below mentioned ; 1. STOP COMMUNICATING THIS ACCOUNT TO ALL!

2. DELETE ACCOUNT FROM ALL RECORDS!

3. A FULL REFUND OF ALL BALANCES PAID!

4. {$3000.00} check FOR ALL VIOLATIONS LISTED.

5. STOP INFRINGING ON MY INTELLECTUAL PROPERTY!

If you accept my request, I will not escalate this matter to federal court. In case, you choose to disregard and not accept the above requests, a legal action shall be taken against your company for compensatory damages. 

Thank you for you attention to this matter. 

Sincerely, XXXX 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 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

Complaint:
DEPT OF ED/XXXX is reported duplicate on my credit report, I do not know the reason why. I only have a single student loan, please remove the duplicate entry. The student loan was temporarily suspended, and my loan holder granted forbearance. Please remove this inaccuracy from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AL)

Complaint:
After being denied credit, i pulled my credit report. As i reviewed it i noticed several bogus accounts listed. As such i disputed with the three  bureaus. The collector verified the debt. I was never sent any notifucation letters or right to dispute communications from them. I therefore sent a dispute letter i. Accordance with my rights under the FDCPA which was ignored. Its been over 60 days and i have had no response. This is not my debt, the have willfully ignored and violated the FDCPA and laws. This continued to hurt my credit and inflict damages to me fininacially as well as my reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; If the 3 credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the 3 credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-10-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP (NY)

Complaint:
On XX/XX/XXXX I received a letter in the mail from HONDA FINANCIAL SERVICES about the unlawful repossession of my vehicle, within the letter it clearly states we have the collateral, and if the vehicle is sold for more I would get the extra money. This letter confirms my CFPB complaint # XXXX made earlier on XX/XX/XXXX this is a fraudulent loan and the XXXX XXXX XXXX has already been paid for as this was apart of a consumer credit transaction pursuant to 15 USC 1602 ( i ) .HONDA FINANCIAL SERVICES is also in receipt of my cease and desist as HONDA FINANCIAL SERVICES hired an unauthorized third party RECOVEY DEPARTMENT ( company name ) who is not a party listed on the contract or a witness to the contract as HONDA FINANCIAL SERVICES has now infringed upon my right to privacy and has organized the theft of my vehicle in which RECOVER DEPARTMENT is in possession of stolen property. This has cause a major inconvenience to my livelihood as Ive had to rent a car in order to continue my normal day to day operations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
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: Early Warning Services, LLC (CA)

Complaint:
Dear Sirs, I just received an updated credit revision in the mail today. I'm assuming this was mailed on XX/XX/XXXX. I have attached the copy of the updated Consumer Report. I circled the items on the XXXX accounts to show the discrepancies. The Contributor is XXXX XXXX XXXX # XXXX incident XX/XX/XXXX. This is why I know that Early Warning is targeting me. Please note that the last four digits of this account is the same as XXXX XXXXXXXX They have my drivers license updated through XX/XX/XXXX? During this time period it would've expired XX/XX/XXXX.. I haven't had a banking relationship with a XXXX XXXX XXXX XXXX since XXXX. There is no way XXXX reported my current license expiration to XXXX. There is the same account as XXXX XXXX XXXX XXXX account XXXX XXXXXXXX that was deleted XX/XX/XXXX. I didn't open an account in XXXX with XXXX. 
The Contributor XXXX XXXX XXXX XXXX XXXXXXXX incident XX/XX/XXXX is the same account with XXXX XXXX XXXXXXXX account XXXX XXXX. The last four digits on these accounts are XXXX XXXXXXXX. The account with XXXX XXXX XXXX XXXX XXXX the same account that was deleted on XX/XX/XXXX. All of the XXXX accounts are the same. If the two XXXXXXXX XXXX  reported have the same information. They were deleted. Early Warning is erroneously still reporting the two XXXX XXXX XXXX accounts. They should be deleted. Please LOOK at the details of both accounts. My FCRA have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Complaint:
I have 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 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 2017-10-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Accounts, LLC (MO)

Complaint:
I recently pulled my credit report and reached out to both the credit bureau and Capital Accts. to dispute all accounts with this fraudulent company that has reported accounts. I 've asked for documentation to validate debt and they provided me with an out-of-date scanned image of something from XXXX/XXXX/XXXX. They failed to provide me with an up-to-date copy of said debt. If such debt is owed, it was sold by the original creditor who did not inform me of a debt or ask my permission to sell any of my medical information. This is clearly a violation of my ( HIPPA RIGHTS ) by both the medical office and third party. I 've asked for the following from this company : a copy of my signature with the provider of service to release my medical information and for them to stop reporting to the credit bureau until the debt has been validated by me. I have not received any documentation from neither company to release any medical information about me or giving permission to sale any of my information to collect on a balance I 'm unable to verify with XXXX XXXX XXXX. In addition, because the original creditor sold my information, I am no longer responsible to pay due to " NO CONTRACT/CONTRACT IS CANCELLED. '' Also, I have not received any letters that I owed a debt to even dispute the debt from neither company. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPPA ) to protect my privacy, medical and dental records from third parties. Capital Accts. has withheld information and refuse to provide me with what I asked in my written request to them and the credit bureau. This is currently affecting my credit as I am trying to purchase a home. 

In addition,. I 've recently tried to contact this business about the account to verify and have been unsuccessful. This account is 4 years old and neither XXXX XXXX care or said collection agency has reached out. This is a third-party with my personal information and if said account is valid, which again I ca n't prove because XXXX XXXX care has failed to reach back out to validate the debt. I have asked that they please stop reporting to the credit bureau and remove account due to " NO CONTRACT/CONTRACT CANCELLED. '' Amount Owed : {$170.00}, which includes {$50.00} in accrued interest ( According to the collection agency ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC (NV)

Complaint:
I have asked American credit acceptance to defer my payment, they keep saying I do not qualify and make payment arrangements.. I keep getting asssed late fees, and going back in a circle. I lost my employment due to XXXX, my wife almost passed, still on XXXX, and I just started working again and cant get ahead.. my rate is XXXX plus percent and Ive always made my payments but now I need the help and they rather get fees, interest instead of helping me. 
Ive asked for help since XXXX and they refuse!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief