hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-01-18
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: NAVY FEDERAL CREDIT UNION (GA)

Complaint:
My daughter in I share a joint account at Mavy Federal Credit Union. She applied for a personal loan on XX/XX/2023 however the application was ran under my credit report instead. When I received the alert on my credit report i immediately called Navy Federal. The company said they are unable to remove the inquiry on my report because the application was done on my NFCU application. I explained in detail that my daughter which is XXXX was applying for the loan on her own but the representative insisted it wasn't anything they could do. I advised the representative that I am currently in process of a refinance on my home and I can't have any non valid inquiries on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
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: EQUIFAX, INC. (NC)

Complaint:
I've been dealing with equifax to fix these issues since I was part of their data breach a couple of years ago. 

I've filed a dispute with them they wait a few weeks say it's complete, send me a pdf credit report showing the negative item that is not mine is removed. Yet online they are still reporting it and it is affecting my score. 

This is my last attempt before I move to go to the court for sanctions against equifax for violating our settlement agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 explanation
Consumer complaint received 2022-03-12
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. (CA)

Complaint:
Fraudulent inquires and inaccurate account information

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 2021-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (NY)

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), is still reporting on my credit report in violation of Federal Law. They failed to comply with 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

Complaint:
I am writing today about a complaint I have with Capital One. Today I had all my checking accounts blocked for activity by the Capital One security department. I called the number XXXX XXXX XXXX XXXX XXXX provided by Capital One to see what was the reason behind locking my accounts up. After talking with several agents a supervisor and a Manager no one was able to tell me why. I was just told it is because of a small business loan I received for SBA.gov. I am still trying to understand why would Capital One lock my checking accounts up for a government-issued loan. All I got were threats on closing my account from an entry-level agent name Breach or something as I could understand him saying his name. I was able to talk to XXXX who is a supervisor he transferred me to after looking for better help. XXXX was great but also unable to answer any questions about what was going on with my checking accounts. I need to know why did Capital One wait 3 months to ask questions about the small business loan deposit. And also why was my account was locked for a government-issued small business loan deposit as stated when the funds were deposited into my account. It is sad to see that we are going through a pandemic, small business is closing, people staving and losing a roof over their head and my checking account is being locked up for a small business loan I received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

Complaint:
On XX/XX/2018 Portfolio Recovery responded to a letter that I sent to them and all 3 credit bureaus certified, to validate the negative item of {$1000.00} that they have been reporting on my credit report. I ask the credit bureaus and portfolio recovery to provide a copy of my signature, as proof of me agreeing to business with such entity and they have yet to provide me with such information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. They continued to send me typed letters from their office stating that I allegedly owe the debt along with a contract that was not signed or dated by me. It was literally a blank copy of a contract. I never received notice to dispute the debt, they just went ahead and added without my consent or knowledge to my credit report, with no means of contact. The worst part is during our recent correspondence to validate the debt, despite having my correct address from the debt validation letters I sent certified, they still sent their response to incorrect addresses twice, how embarrassing! I was only made aware of this alleged debt after being denied credit due to this account affecting my score. I have tried my best to resolve this matter with them, now I am forced to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
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. (VA)

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. 

XXXX / XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXX XXXX  Account Number XXXX ; XXXX  XXXX Account Number XXXX ; DEPT OF ED/XXXX  Account Number XXXX ; XXXX XXXX XXXX XXXX Account Number XXXX ; XXXX XXXX XXXX Account Number XXXX ; XXXX XXXX XXXX XXXX Account Number XXXX ; US DEPT OF EDUCATION Account Number XXXX ; US DEPT OF EDUCATION Account Number XXXX ; XXXX Account XXXX XXXX ; US DEPT OF EDUCATION Account Number XXXX ; XXXX XXXXXXXX XXXX XXXX Account Number XXXX ; XXXX XXXX XXXX Account Number XXXX ; XXXXXXXX XXXX XXXX  XXXX Account Number XXXX ; XXXX XXXX XXXX Account Number 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 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 response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (CA)

Complaint:
Allied Interstate calls 10-15 times a day from various phone numbers.

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 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud pursuant to Section 605B of Fair Credit Reporting Act. 
XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : 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 2022-11-03
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:
According to the Fair Credit Reporting Act these accounts have violated my consumer rights under 15 usc 1681. 
The listed accounts below have violated my consumer rights under 15 USC 1681. 

XXXX XXXX Account # : XXXX Amount ( s ) {$16000.00} {$25000.00} XXXX XXXX XXXX Acct # : XXXX & XXXX Amount ( s ) {$22000.00} {$22000.00} XXXX XXXX : Amount ( s ) {$100.00} {$240.00} {$300.00} {$240.00} 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 2023-05-15
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Complaint:
I opened an account with capital one on XX/XX/XXXX it a 360 savings account. It started out fine everything goes smoothly into the last part verifying my identity. For some reason mobile phone capture won't work for me at first. I could understand our protection is the top priority I argued so I been trying for about 30min and I kinda get a hang of it and finally got the system to accept the picture I submitted. 
But causes of too many attempts customerservice don't except by rules. So now I have to take off a day to visit one of the branches. I'm fine with that, I work 7 days a week and we low on staff but it ok only one day and for couple hours I'm cool with that so that day I went to the beach like as usual everything goes good but always at the end something have to go wrong for some reason the back of my ID doesn't qualify for the standard something I don't know. So that days wasted for nothing couldn't get anything done and wast of time and for the hold day all most got fired. 
So couple days later I give it another shot to see how it going to work out. Couple pictures went through and some have to retake but it went fast this time and only couple try way better than last time so I thought everything goes well causes the system accept the picture process approved and accepted. I thought I could get a break but no it right in front of me saying process accepted and approved but the customerservice she said it accepted at first but it didn't accepted on her end. What that suppose to mean, that when something pop up on our screen it could say something else on there end.??? 

So my account been restricted ever since I can't do nothing with my money the money that I deposited into the account for safekeeping now it soo safe that I couldn't even touch it... lol. My 360 saving account # ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
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. (MD)

Complaint:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : US SM BUS ADMIN ODA XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (MA)

Complaint:
AES services my student loans. I am most unsatisfied with this company. The representatives regularly provide you with wrong and misleading information. I am currently in the process of refinancing my loans with another company, XXXX. XXXX and I together called AES to get information from them regarding my loans. The first rep we spoke to refused to provide information as XXXX had a recorded line. He said his manager would be able to assist us as he did n't have the authority. The " manager '' refused to help us. She said they will not speak on recorded lines as it is " company policy. '' Because of this I had to call the company separately and request the information that the XXXX rep could have gotten verbally be sent to me in document form. Now I have to wait for this documentation which is holding up my refinancing process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
I am filing a complaint against the 3 credit bureaus XXXX, XXXX, and TransUnion. After reviewing my credit report, I noticed some discrepancies regarding the accuracy of the information on reporting accounts. I sent a dispute letter requesting the verification of these accounts and asked to be provided with the original signed contracts with the correct information which all 3 bureaus should have received before posting these accounts to my credit. I sent the initial letter on XX/XX/2017, and XXXX more letters thereafter and the issue still has not been resolved, nor have I received the verification documentation I requested more than 90 days ago. I have records of all the letters I sent to these agencies, every response letter, and credit reports for the past 90 days. After they received the first letter, XXXX and TransUnion removed one of the disputed accounts in reference but have since reapplied the account to my credit report without providing me with the verification documents I previously requested. This issue is causing me many problems. So, I am taking the next steps in order to get this issue taken care of and get these accounts verified. It is not ethical what these credit bureaus are doing. They should not be able to post inaccurate accounts on anyone 's credit report damaging the quality of their life. I am ready to seek legal action! Please let me know if I need to file an individual complaint for each credit bureau.

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 2022-12-18
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: Marlette Funding, LLC (IL)

Complaint:
Best Egg has placed a account on my credit for {$8900.00} on XX/XX/2022. I have called and disputed with them asking them to show me a signed contract with my name, but they refused and stated they have no signed contract. I was told the money was placed in an unknown account that is current closed out ( I had to investigate ), but Best Egg refuses to help me. 

They have a very rude team, and never call back when they say they will.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
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. (CA)

Complaint:
As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!

I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
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. (TX)

Complaint:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was Dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

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