hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2017-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Complaint:
I issued a cashier 's check from my online checking account at Capital One in order to make a payment to a title loan company. This check was sent through overnight mail from Capital One to XXXX, Idaho. The title loan company deposited this check into their XXXX XXXX account but Capital One issued a stop payment. When I was notified of this by the title loan company, I called Capital One and they confirmed they stopped payment due to what they claim was a " red flag '' by their fraud department. They told me to issue a new cashier 's check and refunded the total amount of my original payment so I could do this. I did issue a new cashier 's check. However, Capital One then proceeded to take that money out of my account, after first refunding it. This caused me to have double the amount of the original cashier 's check ( plus {$20.00} in overnight fees ) outstanding. And I have no access to the original amount anymore due to the bank withholding the monies until they " see the check. '' I emailed them the XXXX XXXX PDF of the check and the stop payment notification to the title loan company. They still wo n't give me back my money, even though they stopped payment, they issued the original check, and they have all this in their own records. I need my money back as soon as possible. They claim they need me to fill out an affidavit, which I refuse to do as this implied " lost, stolen '' checks. This is not the case. It 's an issue of Capital One not allowing me to write checks against my own checking account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. Also, I have not authorized this transaction or authorized anyone to use my information to open this transaction. 

This request has NOT been made in error, it is NOT a misrepresentation of material fact relevant to the request to block and I have NOT obtained possession of goods, services, or money as a result of the transaction issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

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.

The letters are stated with items and issues.

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 2018-11-07
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Thunderbird Collection Specialists, Inc. (AZ)

Complaint:
Thunderbird collections ( TCS ) XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX AZ. XXXX, a medical debt in the amount of {$1800.00} has called my place of employment leaving various voicemails with personal information in spite of being requested not to do so. These calls put my employment at risk and they continue to do so, leaving messages with patient access and records at my employer. This is in addition to multiple calls daily to myself with threatening messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
the accounts reporting on my reports are not mine and belong to someone else, I am a victim of identity theft

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 2022-12-23
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: EQUIFAX, INC. (MI)

Complaint:
Pulled my Equifax credit report on XX/XX/2022. Noticed fraudulent inquiries on my consumer file. I then filed an FTC report, report number XXXX. I faxed the report and driver 's license, ss card, and utility bill to Equifax. I've called Equifax several times they still haven't " received '' /and or processed the report. " I will list the fraudulent inquiries here. These fraudulent inquiries are affecting me buying a home for myself and my family. 
Please delete asap. Thank you. 

XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
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: BMO HARRIS BANK NATIONAL ASSOCIATION (FL)

Complaint:
I have five unauthorized hard inquiries on my credit report. I tried calling the companies directly who told me to call XXXX which directed me here. The dates are all from XX/XX/2020. Please help me proceed.

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 2023-02-23
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. (FL)

Complaint:
I have attached an FTC report with an account and inquiries I did not authorize

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 2020-08-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

Complaint:
On XX/XX/XXXX, I took out an {$8000.00} private signature loan through Sallie Mae and XXXX XXXX XXXX with my grandmother as a co-signer. It became the biggest mistake of my life. 

This spiraled out of control as I was being sent letters now from XXXX for years before Navient as I was eventually getting phone calls from XXXX in XX/XX/XXXX, who somehow gave it to Navient inherited that debt somewhere in XX/XX/XXXX. 

Navient bought my Sallie mae " private signature '' loan and consolidated it into a federal obligation. 

I have tried to have this taken off my credit - but XXXX  and XXXX  listen to whatever Navient says. 

-Not one " servicer '', or any of its agents, ever, offer any clarification of why my private loan was somewhere else or provided any education me on my rights as a borrower in any of our phone discussions before being handed-down fr om one servicer to the next. - compare and contrast my ever-changing responsibilities for repayment. Not one e-mail, not one recorded phone call. - Explained how and where to get help if you need it - Provided knowledge on how to protect my credit rating - Reviewed deferment options - Highlighted the seriousness of defaulting and what will happen if that occurs -Provided any sort of reasonable repayment options other than forbearance. 
Or showed possible loan forgiveness options Nothing. 

Navient is listed as an " educational loan '' with 34 charge-offs on my credit report, yet, it's a 16- year old private loan that got manufactured into this federal loan from Sallie-Mae/ XXXX XXXX XXXX , I have yet to see a signed a promissory note and was unaware of " exit counseling " until I recently. 

It has impacted my life emotionally and financially I never understood what was going on and was never aware of alternative options that would benefit me greater than what they had in mind. They have marked me down for 39 charge-offs? 

I have tried speaking with Navient, but they get rude, XXXX listened and investigated before removing the item ; I ask XXXX and XXXX to explore deeper. 

I want to be able to not have this on my credit anymore. I am paying for other people not doing their job and not doing the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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: EQUIFAX, INC. (AZ)

Complaint:
I've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXX Card- {$25000.00} XXXX XXXX XXXX XXXX {$10000.00}, XXXX XXXX XXXX XXXX {$26000.00}, XXXX OF XXXX {$13000.00}. 

Fact, The truth and XXXX XXXX is intended to inform consumers about the cost of credit. The companies above violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all XXXX violations. 

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by XXXX, and I have been abused and deceived. So be it. The companies listed above is falsely publicizing an account addressed to me on XXXX, Equifax XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. The companies above has published my information publicly on Equifax, XXXX & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 


Fact, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. The companies above has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 

XXXX, XXXX is aware and has proof in attachment labeled as exhibit A and the companies above. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. The companies above has published an account they have of mine on the companies above. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

Complaint:
In XX/XX/XXXX I settled 5 charge off accounts with XXXX XXXX XXXX XXXX. We are in agreement that the accounts are paid in full and paid as agreed. I have included a settlement letter from XXXX that confirms this. A 6th account was settled in XXXX XXXX, letter attached. All 6 accounts appear on the included Experian Credit Report, with red boxes marking the items described herein on pages 6-9 of the credit report. <P/>XXXX stopped reporting the payment history on each of the accounts marked in red boxes in XX/XX/XXXX, but started reporting derogatory payment history anew, when I settled the accounts. This inaccurately reflects my payment history and RE-AGES my account in violation of the FCRA because it shows a recent delinquency. <P/>The attached letter confirms these accounts are PAID AS AGREED. Thus, the derogatory payment history must be deleted in accordance in the FCRA. The new reporting of derogatory information results in a reduction in my credit score. When I paid the accounts off, instead of an increase in my score, I received a DECREASE in my score due to recent delinquencies when XXXX suddenly began reporting them. If XXXX fails to delete the payment history, its only other option is to update the entire history as derogatory beginning when the first payment was missed for each account. <P/>Additionally, XXXX continues to report 'Creditor can not locate individual ' which is false, as shows on page 9 of the Experian credit report, marked in red. XXXX has been in regular contact with me since XX/XX/XXXX, as proven by the attached letter confirming my settlements. I have twice tried to get them to remove this derogatory description using the dispute process, and each time they have 'verified ' it as accurate. This is clearly erroneous. <P/>I have contested these accounts with Experian and they received 'verification ' from XXXX that the accounts were reported accurately. As proven herein and by the attached, XXXX 's Experian reporting remains inaccurate. <P/>Having exhausted the dispute process with the Experian credit bureau, I am seeking resolution via the CFPB as a next step.

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 2015-07-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (FL)

Complaint:
Back in XXXX, 2015 I pulled my credit report and I notice XXXX debts on there from Enhanced Recovery Co. XXXX for {$99.00} and XXXX for {$130.00} I know for a fact that I did not owe these debts so I wrote a letter of dispute and asked for validation of the debts. After doing some research online I offered to settle the debts just to have them remove from my credit even though I know I do not owe them. I wanted to improve my credit as I am trying to purchase a house within the next two years so I figured I could get rid of them since they are minimal for my piece of mind. I verified Enhanced Recovery Co. address and I sent the XXXX letter of dispute asking for validation of the debts on XXXX XXXX, 2015. I waited 30 days for a reply but I did not get one. I sent a XXXX letter on XXXX XXXX, 2015 and as of today, XXXX XXXX, 2015 I have received no reply which shows me that these have no proof of these debts and are ruining my credit for no reason. Since these so called bad debts can not be proven I can only assume that these debts are not valid especially since I have never had service with those companies.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PMAB,LLC (VA)

Complaint:
I have a medical collection place on my credit report that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
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. (PA)

Complaint:
I am a consumer in pursuant to 15 USC1692A3 and current victim of identity theft these agencies listed below is in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from Experian, XXXX, XXXX nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a {$1000.00} per violation.

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 2022-08-07
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: EQUIFAX, INC. (FL)

Complaint:
I have checked my credit report and there are multiple inquiries on all of my report under identity theft. I will list below the inquiries that are inaccurate. 

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 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 explanation
Consumer complaint received 2019-06-07
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. (GA)

Complaint:
I have contacted Transunion several times via phone online, and via first class mailings on many occasions in regard to inquiries that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous inquiries that does not belong to me reporting inaccurately. I have disputed and reached out to XXXX   several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These inquiries do not belong to me. I've done the FTC Identity theft report ( XXXX ), I've called Transunion and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following inquiries are what is being reported : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX. I have even sent copies from XXXX XXXX XXXX showing that they deleted items that Transunion keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
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: Experian Information Solutions Inc. (CA)

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous account that needs to be investigated and corrected : XXXX XXXX XXXX : {$710.00}

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 2019-06-12
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. (FL)

Complaint:
Equifax and XXXX is currently reporting a medical bill in collections that is incorrect. According to Equifax they are reporting two ( 2 ) Medical Bills from XXXX XXXX one for {$470.00} and one for {$650.00}. This information is incorrect XXXX   is also reporting a medical bill from XXXX XXXX for {$650.00} that was paid and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (NC)

Complaint:
My Student loan of 30 years with XXXX held a fixed rate of 4.5 % for the term. It was sold to Nelnet Bank this year and Nelnet raised the interest rate on this FIXED rate loan to 5.75 %. I asked them to correct it back to the fixed rate value it had always had and they said Fed raised rates. I understood banks can not raise a rate on a fixed rate, student loan and so I am lodging a formal complaint.

Company response to consumer: Closed with explanation