hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-10-07
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. (CA)

Complaint:
XXXX XXXX from XXXX XXXX called me. Offered to help me refinance and remove XXXX XXXX. I asked for mortgage rates, which she would not provide, asked for bank statements and tax return. I told her I did not want to do that without know what rates where, she said it depended on what financial proof I had. Reluctantly I provided bank statement and tax return. She never asked if she could run my credit report and she did. 
I saw it on my credit report and asked why, she exclaimed she had to, but I did not give authorization. XXXX XXXX  XXXX is what shows for inquiry. 
I do not believe its right for any institution to be able to run your credit without authoriztion. 
I was not eve sure if I was ready for a loan, sure I wanted one when rates where low. But not sure now, thats why I asked for the interest rates. This company is aggressive and I think they are just predators.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency XXXX including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you 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. These account ( s ) are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

Complaint:
i remember going to the dealership for a car purchase.i was asked for my SSN which i obliged only to be having to deal with all this inquiries.

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 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Complaint:
In XXXXXXXX XXXX  2020, I was call to a nation wide emergency because of the COVID19 pan. I was in the military when the world went into a state of emergency, Due to the nature of being in the military and and the duties that i had to do in the emergency of the world  cause me to missed a payment on my capital one credit card in XXXXXXXX XXXX 2020. I didn't know i was penalized on my credit report for this late, I tried calling capital one today to have this removed and they refused to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
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. (GA)

Complaint:
Transunion XXXX XXXX XXXX : ( XXXX ) XXXX please remove these accounts it does not belong to me its a fraud account please close and delete Thank You : XXXX ) XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Phone number : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( 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 non-monetary relief
Consumer complaint received 2023-07-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

Complaint:
I have had my FEDERAL Loans forgiven that were issued for a BOGUS degree by DOE. Per CFPB, Private Loans discharged under XXXX  XXXX are not collectible. Navient illegally and unethically charged subprime interest rates on Private Student Loans, Collected on Private Student Loans after bankruptcy XXXX  XXXX entered in XX/XX/2015 and Discharged on XX/XX/2015. They lied about forbearance and also about removal of US Veteran co-signer. They said I had to pay on these Private Student Loans even after XXXX  XXXX. I opened complaints with the XXXX, Fl. Atty General, and PA attorney general, about what the CFPB has ordered Navient to do per the following : " CFPB examiners have apparently uncovered that certain loan servicers have been unlawfully sending discharged loans back to collections after bankruptcy courts had discharged them. The CFPB is directing these loan servicers to return any payments that were illegally collected from consumers and immediately stop using these illegal collection tactics '' I paid on the 2 loans exorbitant interest rates and would never see the end of the loans because Navient continued to adjust the subprime rates on the 2 Private Loans, seeing no end in sight to these Private Student Loans, and after my 3 year bought with XXXX and procedures, I had to enter into XXXX  XXXX hoping to get a fresh start, yet these people continued to call and pressure me while I was trying to recover from my procedures and financially after XXXX  XXXX. They close the complaints without even looking at these deeming these Duplicates. As per the CFPB order NAVIENT must return any payments that were collected after XXXX  XXXX Discharge. I am once again attaching evidence of their subprime interest on these loans whose origination amount were nothing compared to the interest and fees they placed on these loans. Navient as per the CFPB needs to return all funds collected post Bankruptcy filing. Once again I am attaching all documentation on the 7th complaint I make on this. This was also referred to the XXXX, the Attorney General for PA and FL, and sent to those in process of the pending class action. Navient collected these funds illegally and closing this as duplicate without a resolution is unethical and illegal since they owe me these monies. They have illegally closed prior request to avoid refunding my monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
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 just check my Credit. I notice an account that I did not authorize. this Account is fraud and I would like to report this I cant understand how this could happen, its like anyone can have access to your personal information. 
I would like this matter to be resolved, also I would like to add an fraud alert to my credit file ASAP so that can no longer happen 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 non-monetary relief
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (MI)

Complaint:
I have been trying to open business account with my credit union to get my PPP funding and XXXX XXXX XXXX has incorrect information reporting to Chex systems as fraud/acct closed/ nothing paid showing to chex systems. I contacted XXXX and there system does not show any of this. XXXX says there system shows closed account nothing owed upon closing. They even have record of them sending out XXXX cent refund. They tell me they do not see what chex system says is showing and no way for anyone to generate any letter to chex systems because the system does not show any negative balances due. 

Finally talked with risk manager at XXXX who said well send in a copy of chex system reports and go from there. I tried calling XXXX risk/recovery depts for fax or email to send paperwork too and all says fax has to come from institution. I go into XXXX  location and have them fax. I went into XXXX and the reps faxed copy of XXXX balance due paperwork to chex systems then I asked for them to fax copy to their risk and or reocovery depts to be updated with what is going on as stated in above paragraph. 

They proceeded to call the depts to get fax number and both depts gave XXXX admin run around like I had been getting back and forth to each dept stating this dept has to handle this, in the end XXXX admin had both depts on line together as they spoke and no one had a fax number that paperwork could be sent too. they stated that they were working from home and no fax to give. 

one did provide a address for mailing paperwork to Florida ; however, My loan money is being held at another institution I'm at risk of losing my home and need resolution asap before my funds are returned and i can not get another ppp loan and my family and I will be out on the streets. 

I am even trying to open business acct with XXXX so hopefully they can see their own mistake if they too use chex systems to determines eligibility of getting business acct opened at this moment I am at a dead end and need help sent out to higher up heads within XXXX institution. having trouble getting paperwork to XXXX to get Chex systems updated. chex systems will not remove unless they here from XXXX. XXXX says nothing to update, yet the consumer is losing due to XXXX error Consumer is suffering, Consumer will homeless on the streets of Michigan.

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 2017-10-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (KY)

Complaint:
at XXXX XXXX. i received a phone call from enhanced recovery at XXXX XXXX giving me a phone number which being the same as above, with a medical number of XXXX stating that this was a debt collection agency, when i called to the number to complain they want me to sign up for a free florida vacation. If you answer the questions to satisfy them they switch you to a XXXX XXXX talking about the free vacation. I told them i received a phone from enhanced recovery and had a reference number stated above and they hung up. This telephone number calls my phone numerous times a week, so i decided to return the call and found out it was fake, i would like to have this business checked out, i am on the do not call list, thanks

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Capio Partners, LLC (TX)

Complaint:
Capio Partners LLC - trying to collect a debt but failing to provide detail of debts.
Sent a certified letter to Capio   Partners/it was re c 'd  on  X/XX/2017     XXXX  'd a letter ba  ck from Capio stated has not completed the investigation and does not have any back up but will continue to collect debt. This is unacceptable and they should have a time line of when the back up will be provided. Please see the attached letter that I sent/rec 'd back and certified letter receipt they rec 'd requesting the info.
Requesting back up so I can verify debt. if they can not provide remove from my credit report. I will not make a pymt or pay on a debt with no back up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30
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. (CA)

Complaint:
I was never invoiced in XXXX & XXXX by XXXX XXXX XXXX XXXX for ( 4 ) small outstanding amounts. Then, 4 collection accounts listed by XXXX XXXX ( XXXX ) under account numbers XXXX for {$100.00} ; XXXX for {$97.00} ; XXXX for {$100.00} and XXXX also for {$100.00}. When the collection reporting from XXXX listed against me and discovered by XXXX XXXX, I immediately resolved the debt by paying off with XXXX back in XXXX. I then tried to obtain deletion directly from XXXX and they refused. I then disputed with XXXX, TransUnion and XXXX and TransUnion deleted one account ONLY, namely # XXXX for {$100.00} refusing to remove the other 3. Additionally, the credit bureaus jointly have agreed to delete all MEDICAL COLLECTIONS in XXXX with balances under {$500.00} and paid in full. All ( 4 ) accounts above are under {$500.00} and were paid in full. Sadly, someone or somebody at TransUnion and/or XXXX are having a good laugh at not removing the remaining 3 accounts. In principle, these remaining XXXX accounts should be deleted by TransUnion so I can obtain credit score lift. In fact, the 4 medical collections from Dignity never should have reached XXXX for adverse listing against me. 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 non-monetary relief
Consumer complaint received 2019-03-05
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. (NC)

Complaint:
Bankruptcy was dismissed due to misrepresentation by an attorney. The attorney was disbarred by the NC State Bar. I had to hire another attorney to have the Bankruptcy dismissed. I have sent all the info to all three credit reporting agencies and to date they have refused to remove from 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 2021-07-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TD BANK US HOLDING COMPANY (NY)

Complaint:
Td bank is adding negative fees to my account after letting charges I ask to not accept and my account is negative right now something that's never happened to me and I just got back from XXXX XXXX so I won't be getting paid no time soon

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
Hello, I recently reviewed my Credit Profile and see numerous accounts of alleged debts that I am not aware of. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NELSON AND KENNARD (CA)

Complaint:
XXXX XXXX XXXX-NELSON & KENNARD, XXXX XXXX XXXX XXXX XXXX XXXX SENT A LETTER TRYING TO COLLECT DEBT FOR ABSOLUTE RESOLUTIONS FOR THE AMOUNT OF XXXX ... XXXX XXXX XXXX-I SENT A LETTER ASKING TO VALIDATE THE DEBT ... XXXX XXXX XXXX, NELSON & KENNARD SENT LETTER WITH INTENT TO FILE SUIT WITHOUT EVEN FIRST VALIDATING THE DEBT AS REQUESTED ON XXXX XXXX XXXX.... AS TO TODAY, XXXX XXXX XXXX, IT HAS BEEN MORE THAN 30 DAYS. I STILL HAVE NOT RECEIVED ANY DOCUMENTS VALIDATING THE DEBT SINCE I REQUESTED IT ON XXXX XXXX XXXX. THE DEBT IS UNVERIFIABLE BECAUSE NELSON & KENNARD DID NOT RESPOND WITHIN 30 DAYS. I WANT NELSON & KENNARD TO CEASE ALL REPORTING AND CEASE ALL COLLECTION EFFORTS OF THE DEBT IMMEDIATELY. I WANT NELSON & KENNARD NOT TO FILE SUIT. I ALSO REQUEST TO HAVE THIS DEBT DELETED FROM MY CREDIT REPORT IMMEDIATELY... REFERENCE NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MI)

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NY)

Complaint:
I have a student loan through FedLoan Servicing. I 'm currently on an income based repayment plan . Income based rep ayment plans need to be recertified every year, in order to verify income and determine how much the repayer is able to pay in monthly payments.     On  XXXX   XXXX , I got a notification e-mail telling me that I needed to recertify my income by  XXXX   XXXX . Therefore, on  XXXX   XXXX , I submitted an application to renew and recertify my repayment plan with studentloans.gov, a site maintained by the Department of Education to apply for income based repayment plans and verify income. Because of security issues, studentloans.gov notified me that, until their security was upgraded, I could not submit the form online, but that I should fax the completed form and a copy of my most recent tax return to FedLoan Servicing.     I faxed my completed tax return and form on  XXXX   XXXX . On  XXXX   XXXX , I received an e-mail from them saying that my form was received, and that, within  ten days, they would review the application and let me know if they needed additional information.      On  XXXX   XXXX , having not yet heard from them, I contact ed FedLoan Servicer 's phone center to check on the status of the application. The representative told me that th ey had received my application, and that they might have the application reviewed by  XXXX   XXXX , but the latest it would take them would be  XXXX   XXXX , and I 'd receive a response by then, On  XXXX   XXXX , I contacted their phoneline again to check the status. Another representative informed me that reviewing my application could take up  to two billing cycles ( two months ), and that I would just have to wait. I reminded them that my reduced repayment rate was due to expire and that, if it expired without recertification,  I would have to pay the standard rate ( I 'm paying about {$120.00} a month now. The standard rate would increase that to about {$570.00}. ) She told me, if that were the case, I 'd just have to pay the standard rate until they reviewed the paperwork.     After I got off the phone with them that day, I sent them a message through their website explaining the situation and asking when my paperwork would be reviewed, but I have not yet gotten any response.     As of yet, they have still not recertified my income.

Company response to consumer: Closed with explanation