hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MD)

Complaint:
On XX/XX/XXXX I contacted Nelnet to renew my income contingent repayment plan. The representative informed me of the Repaye repayment plan and placed my account into an administrative forbearance until XX/XX/XXXX to get the paperwork processed. On XX/XX/XXXX I reviewed my credit report which showed my account as 90 days past due. I called Nelnet on XX/XX/XXXX to discuss the status of my account which was thought to be in a " forbearance '' status pending re-certification. 

Upon speaking with several representatives on XX/XX/XXXX it was revealed that the representative whom I had spoken with on XX/XX/XXXX provided incorrect information. I was not eligible to switch repayment plans nor was I eligible for an administrative forbearance because I have parent plus loans included in my direct loan consolidation. 

The customer service rep stated they tried to contact me via telephone but there is no record of a phone call nor voicemail to substantiate this. My credit is ruined due to misinformation provided on behalf of a Nelnet customer service agent. I should have been offered a Hardship forbearance as I was offered on XX/XX/XXXX to bring the account current while I re-certify. 

In summary, Nelnet needs to remove the negative reporting from my credit report and do a better job training employees. I am totally disgusted by the companies lack of integrity and unwillingness to correct a severe mistake. I am will to sue this company to have my credit restored. This is a consumer nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
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. (AL)

Complaint:
The Hard Inquiries that is reporting on my credit report is affecting me from getting approve for a credit card, and i dont recognize the inquiries this is a diect violation against my consumer rights i never gave my consent or permission for these Hard inquiries to be furnish on my report this Fraud and I need the CFPB to resolve this issue.

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 2022-01-25
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. (MA)

Complaint:
I recently pulled my credit report and noticed credit inquiries, and accounts I do not recognize, they are unauthorized and NOT mine. I must have been a victim in a cyber hack or identity theft. These accounts XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, As well as these NON-account holding inquiries with : 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  PART These accounts are NOT MINE. I do not recognize them and did not authorize them. These inquiries are fraudulent. To my knowledge, I have not signed any documents authorizing your organization to view my credit history your inquiry into my credit reports violates the 9FCRA ) sec, 1681b ( c ) : transactions NOT initiated by consumer. Please remove these effective IMMEDIATELY! Thank you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: PENTAGON FEDERAL CREDIT UNION (MA)

Complaint:
Several years ago, my identity was stolen and used to open up a credit card account with PenFed Credit Union. At the time, I was contacted by PenFed and I told them not to open the account, but they opened it anyway and allowed the fraud perpetrator to transfer a credit debt. PenFed has acknowledged that it was at fault. My problem is that despite numerous efforts to get PenFed to close the account, and assertions from PenFed that the account has been closed, I continue to get statements from PenFed regarding this account that has no money in it and that I never wanted in the first place. Most recently, I received a statement on or about XX/XX/2021.

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 2019-07-11
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. (NM)

Complaint:
On XX/XX/2019 I sent a dispute to equifax stating a violation of my HIPPA rights by XXXX XXXX of which I asked for validation of debt of which they return with statements showing the procedures allegedly in dispute but without a HIPPA release form with my signature on it authorizing the release of my medical records, For this I sent Equifax proof of such violation of which I will attach with this claim. Equifax FAIL to investigate claiming that account was verified when VERIFICATION was not on dispute but rather a VIOLATION of my rights, attached I am sending proof of violation, proof of dispute with equifax, results from equifax investigation. ->.. XXXX XXXX Acct # XXXX XXXX {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (CA)

Complaint:
I received a XXXX XXXX bill that was n't mine and XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
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: EQUIFAX, INC. (FL)

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : : 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
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: Experian Information Solutions Inc. (IL)

Complaint:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2021-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (AL)

Complaint:
In XXXX of XXXX, I was alerted with a collection notification so I immediately called XXXX XXXX XXXXo see what this unknown account was. After speaking to several representatives my questions wasnt answered because they were asking me for my personal information. I requested information about the account after I never received anything.I then emailed the companies CEO an he never responded back. At that point Im now devastated, because I was in the home buying process. That debt dropped my score XXXX plus points on Equifax and XXXX and XXXX plus points with XXXX. Now my next option was to dispute the unknown debt from my credit report with all 3 bureaus. I disputed the debt in XXXX by phone with a representative with all bureaus. After waiting a few days XXXX immediately deleted the item from my credit report. Finally I get an email from Equifax and XXXX stating it was accurate and verified. At this point I called them an asked how and who they verified it through, the representative said thats what the company said so I told her send me the information, but I never received anything. After waiting and waiting still nothing, on XX/XX/XXXX I decided to send Equifax and XXXX a certified method of verification letter. On XX/XX/XXXX I received a letter from Equifax dated XX/XX/XXXX stating they were unable to locate a credit file in their data base an was asking me to send in personal information. So to my knowledge if they cant locate my file how are they investigating unknown information on my report but telling me its verified. I will include that letter. XXXX never sent anything back, but an email saying it was verified and accurate after I requested information on the verification. On XX/XX/XXXX I sent Equifax and XXXX a certified follow up method of verification letter on that same unknown collection. XXXX finally responded with a updated credit report but the collection wasnt removed after I asked if it couldnt be verified. Equifax emailed me stating it was verified and accurate but cant send me proof of it. Now that Im getting frustrated because this is hindering me from purchasing a home for me and my kids. I sent both bureaus a certified XXXX follow up method of verification letter on XX/XX/XXXX. Equifax sent a letter dated XX/XX/XXXX saying they received my letter on the other hand XXXX didnt reply. Ive been disputing and disputing with these 2 bureaus an theyre not sending me what I requested. If its verified why is it so hard for them to send me the required information or do as I asked DELETE this collection. I will be enclosing my letters. Each letter was sent to Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
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. (GA)

Complaint:
I have contacted you all once before. I'm following up. I was recently went to check out a new car at XXXX XXXX. After carefully consideration I was decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items still need to be deleted from my credit report. XXXX XXXX XXXX, XXXX, XXXX-XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX   XXXX/XXXX. Inquiries : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

Complaint:
I had three credit cards from CitiBank including one XXXX credit card ending with XXXX since XXXX, a second XXXX credit card ending with XXXX since XXXX or XXXX, and a XXXX XXXX credit card ending with XXXX since around XXXX or earlier. I had never missed a payment to any of the three Citi credit cards since I had them. As a matter of fact, I had never missed any payment to any of my credit cards with Citi and/or other credit card issuers. In XX/XX/XXXX, I made {$20000.00} purchases on card XXXX and another {$20000.00} purchases on card XXXX, and I had already paid off {$17000.00} on card XXXX and paid off {$18000.00} on card XXXX by XX/XX/XXXX. However, Citi closed all of my three credit cards aforementioned on XX/XX/XXXX. I called Citi on XX/XX/XXXX, and a Citi representative told me the reason Citi closed my accounts was because I had a very high overall revolving credit line so Citi decided to close my accounts. I asked the representative could he help me submit a request to re-open those three credit cards for me based on the facts that I had been a long time Citi credit card customer, that I had never missed a payment, that I had a very good financial health, and that the overall revolving credit line I have from all of my credit cards is not high relative to my income. The representative asked for my income and helped me submit a re-open request. XXXX XX/XX/XXXX, I called Citi again and found out that Citi declined to re-open those XXXX credit cards for me. Additionally, Citi refused to give the remaining reward points back to me which worth about {$600.00}. Those reward points were earned from the purchases I made on cards XXXX, XXXX and XXXX. On XX/XX/XXXX, I received a letter from Citi, saying that the reason of closure was that my credit report shows a number of revolving credit accounts with balances that are near or at the credit limit, which was not true/accurate, and it was not the same reason as the representative told me on XX/XX/XXXX. Citis claim was not true/accurate because I only made large amount purchases on my Citi cards XXXX and XXXX. I do not have high balance on any of my other credit cards with any other issuers. What is worse, as a result of the abrupt and baseless closure, my credit score ( from XXXX ) fell from XXXX to about XXXX. Citis harmful action has damaged my credit score significantly, especially during a time that I am preparing to buy a house. I am really disappointed at the way Citi treats its long-time and loyal customer.

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 2018-09-18
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: WELLS FARGO & COMPANY (GA)

Complaint:
On XX/XX/2018, I submitted to Wells Fargo Dealer Services via a certified letter a request that they cease their unauthorized hard inquiries to my credit report and that they contact the credit bureaus to have them removed. I stated that to my knowledge, I had not signed any document authorizing their organization to view my credit history and therefore, their inquiry violated the Fair Credit Reporting Act, Section 1681b ( c ). I also asked that if they were in possession of any document that they believed authorized them to make the inquiry into my credit report to provide me with a copy for my review. 

In responding to my letter, instead of providing me with a copy of any material they believed authorized their review of my credit report, the company stated " they completed a through review of your situation '' and that " research '' indicated there were applications submitted on my behalf. They did not provide a copy of these applications as requested in my letter. 

In my XX/XX/XXXX letter sent certified mail, I asked that if you were in possession of any document that you believe authorized you or your organization to make inquiries into my credit report, that you provide me with a copy of the document. Instead of providing a copy of the document, you chose to submit a letter that claims to have verified the validity of the inquiry. This is not sufficient under the law. As an initial matter, the other company listed in your letter is not listed as the one requesting the inquiry, but your company is. Given this, you are a furnisher as defined by 16 C.F.R. 660.2 ( b ) because you are an entity that furnished information relating to me ( the consumer ) to one or more consumer reporting agencies. 

Since you did not produce any evidence that I made the inquiry authorization, I demand that your unauthorized inquiries from my credit profiles are removed. Further, I also demand that you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
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. (NC)

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX I # XXXX, XXXX XXXX XXXX  I Account # XXXX, XXXX XXXX XXXX  I Account # XXXX, and XXXX XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

Complaint:
I have been trying to get Experian and XXXX to resolve the issue on these two accounts. I have complaint about the HIPPA privacy violation and have complainted to XXXX  for their assistance. I am continue to receive calls about my medical condition wich is againt the HIPPA law. I have also filed complaints with CFPB and directly with EXPERIAN and XXXX and as of today no resolution. Please comply with my request. I have no knowledge of these accounts. I have no record of these accounts ; therefore, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. I am requesting full validation for the following account names as it appears on my Experian credit report : DISPUTED ACCOUNTS 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
Consumer complaint received 2020-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

Complaint:
My credit card was fraudulently charged by XXXX via XXXX on XX/XX/20 for {$210.00}. I can not connect with XXXX to file a fraud claim since I don't have a XXXX account. I disputed with my bank - Chase, however Chase said a tracking number indicated something was delivered to my address. I or anyone I know never placed any order with XXXX nor did I receive anything from the company. I requested Chase provide detail order info regarding the fraud charge and supervisor call back. However I simply got a letter indicating that the charge was valid without any order info. I tried to call the number on Chases letter to reach the fraud department however the phone line is not taking any calls. 

This is not acceptable even due to shortage of staff during the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
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: FC HoldCo LLC (PA)

Complaint:
On XXXX XXXX, 2017 I never gave permission to that company to check my credit score, And they did Hard inquiries XXXX XXXX XXXX, TX 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 2019-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (WA)

Complaint:
Citi closed my Prestige credit card again. 

I contacted Citi in XXXX to discuss ways to do product change to my Prestige card. After being informed that there were no such an option to convert it into other types of card and being advised to contact later to explore options, I clearly and explicitly informed the representative to keep the card open. 

However, when I later tried to use the card, the card was closed. I can not transfer my citi thankyou point either. 

This is not the first time my account being closed without my consent. I have contacted CFPB when Citi closed my account in XXXX and Citi later reinstated the card. This is happening again.

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