hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2019-10-28
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

Complaint:
On XX/XX/XXXX I contacted Capital One regarding my Lord and Taylor account and wrote letter to let them know there was an issue with my account. I explained to them I did not receive a statement or phone call to pay the bill of approx. {$30.00}. I asked how can I pay a bill that I never received and asked them to remove the 30 day late from my file. They reported {$95.00} being the balance and that was also incorrect. The late fees was waived. 
On XX/XX/XXXX I received letter from Capital One and they said based on the information I gave them, they are unable to change their reporting on a courtesy basis. They also included the Fair Credit Reporting Act requires Capital One to report the account history accurately. 
On XX/XX/XXXX, I wrote back to them that it was not a courtesy. I did not receive the statement so how can I pay if I didn't receive the statement. The payment was immediately paid once I received notice from XXXX XXXX my account was late. I paid when it was known to me. If I was not properly notified about a payment, this 30 day late should be removed and not held against me. 
On XX/XX/XXXX, I received the same standard letter they gave me on XX/XX/XXXX. Only thing that was changed was the date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LTD Financial Services, L.P. (AZ)

Complaint:
I left my apartment on XX/XX/XXXX. 
It is the XXXX XXXX  located on XXXX XXXX and XXXX. When I left for the walk through the property manager XXXX  I believe her name is, told me that we were square and if there was anything else needed I would be contacted by her. At that point I left her my forwarding address and we parted ways. I never once received email, phone call, or letter stating anything about owing money, since I left, the only time we spoke was when I called her to see what was going on. And she had no information for me. Several months later I received a letter from LTD financial services in XXXX Texas, stating that I had a outstanding balance of {$2000.00}. When I called The apartment complex to figure out what was going on, The property manager ( XXXX ) claimed that they sent a letter to my forwarding address and that it was returned so they sold my debt. Well knowing she had me and my fathers emails and phone numbers but neglected to contact either of us before sending it to collections. on the phone she started failed to maintain her story and reasoning for sending it off and not getting in contact with me or my father. LTD financial services contacted me through a letter. in the mailed letter they said unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, this office will assume this debt is valid. I received the letter XX/XX/XXXX, and the charges were sent to the credit bureau on XX/XX/XXXX. The letter was stamped XX/XX/XXXX. Even if I received the letter the day it was sent it still wasnt a 30 day period before they sent this to the credit bureaus ( please see attachment A1 for letter and dates from LTD financial services ). Even though the debt is fraudulent I still would have made an attempt but LTD waited less than two weeks before reporting it to the bureaus. XXXX intentionally didnt make any real attempt to reach out and instead knowingly sold false debt to a collections agency, and damaged my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Complaint:
In late XX/XX/XXXX we received a letter from Fifth Third Bank advertising a {$250.00} bonus for opening a new Money Market account with the bank and depositing at least {$25000.00} in new money into the account. I initially attempted to set up an account on-line however I received an error message that the code on the bottom of the letter was invalid. After several attempts to open the account using different variations of the code ( upper case, lower case, is that an O or a XXXX ) I called the customer service number listed the Fifth Third website. The customer service representative had not heard about this promotion, however he made a number of attempts to input the offer code but got the same result that I had previously. He suggested we visit a local branch to resolve the issue. On XX/XX/XXXX we went to the XXXX, IL branch of Fifth Third and opened a new money market account and deposited over {$50000.00} in new money into the account. The bank representative attempted to use the offer code on the letter, but that did not work. She then tried using a generic offer code from an internal document in her possession, that did not work. We left the branch with confirmation of our deposit but no resolution as to the fate of our {$250.00} bonus. The bank representative said she would resolve our issue and inform us when it had taken place. To date there has been no communication from the bank and my calls have gone unanswered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-26
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. (KS)

Complaint:
credit inquiries made that I didn't consent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2023-06-28
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: Southwest Credit Systems, L.P. (GA)

Complaint:
In checking my credit report, I noticed an improper entry from Southwest Credit System, XXXX XXXX XXXX, XXXX, TX XXXX. Allegedly relating an delinquent XXXX account. 

I do not have any delinquent accounts with Southwest Credit System or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

Complaint:
Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802.

Per the Privacy Act of 1974 as a federally protected consumer, I have a right to privacy. My transaction his is not public record therefore it should not be reported without my consent.

Per the Emergency Banking Act of 1933 there is no lawful money in circulation and Congress enacted Joint House Resolution 192 and pledged to be responsible for the public debt and it shall be discharged dollar for dollar.

The certificate of indebtedness should result in a refund due to the if there is a balance of {$1.00} or more.

The certificate of indebtedness is income because it is discharged by the IRS form 1099-C which is income and can not be reported.

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 2022-08-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-26
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. (NC)

Complaint:
I recently reviewed my credit report and noticed so many hard inquiries that I dont recognize nor did I authorize.The inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX. Equifax, XXXX and XXXX are obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquiries ewported was fraud. Said companies had 4 days according to Law to remove such items. FTC fraud reports was filed on behalf of consumer, and consumer is now requesting Equifax, XXXX and XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer. XXXX, Equifax and XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet-ink signature. Consumer is not requestint a report from the e-oscar system, If XXXX, Equifax and XXXX does not have documentation to show that these where in FACT authorized then they must be removed asap. Said companies is liable under the SEC to follow certain rules as they pertain to the rights of consumer. Equifax commission file number. XXXX .XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX . I will also be filing form 211 treasury omb forms to audit consumers account. Equifax is securitizing consumers data yet refuse to provide consumer a copy of thier consumer file NOT CONSUMER REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Complaint:
XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX Opened : XX/XX/XXXX ( 4 yrs, 3 mos ) Term12 months I challenge the accuracy, compliance and reportability of this listing. 
... grave errorsfalse claims and reportingI want these late payments removed immediately or litigation may follow. This is unlawfulI was always on-time, you have made an error Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) (  A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section  611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
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. (NY)

Complaint:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN XXXX BUSINESS DAYS after the date of receipt by agency. 
I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above.

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 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (GA)

Complaint:
My credit scores are affected by the inaccurate information on my credit report. I have attempted to resolve this with the creditors but was unsuccessful. I was not initially aware of the impact my information had on my credit status, but I have taken steps to correct prior credit issues. The inaccuracies make it difficult to obtain new credit. Please help me resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MT)

Complaint:
I enrolled in XXXX university online in XX/XX/XXXX. The counciller i was asigned didnt explain student loans, and coerced me into taking out more loans than i needed saying i would recieve checks so i could afford to go to school and pay bills while i was on workers comp. i never recieved any of the money, information about my loans or a payment plan. i dropped out in XX/XX/XXXX due to the school refusing to send me correct programs like XXXX so i could do my coursework and the teachers refused to help. i called navient and XXXX XXXX in XX/XX/XXXX starting in XX/XX/XXXX trying to figure out about my loans and was just transfered time and time again only to be hung up on. I had a representative call me and then call me the wrong name and hung up. I am trying to get out of default but i never even knew how much my payments were or where i needrd to send them. in total i have {$14000.00} in defaulted loans and have no idea where to turn. my wages are being garnished and my paychecks. Im XXXX XXXX and ive tried filing for new direct consolidatrd loans and was just denied. please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (GA)

Complaint:
After reviewing my credit report i identified a discrepancy with an account listed under XXXX XXXX XXXX, that i did not recognize. I also noticed that this collection was being reported as an Opened Accont, which is not under FCRA compliance. This is inaccurate reporting. I have not receive any correspondence from the creditor to validate this account as correctly belonging to me nor has my credit report been updated to reflect that my credit report has been disputed. I DO NOT believe that this account belongs to me, nor do i believe that the creditor has authorization to attempt to collect on the account that continually negatively affects me.Please Strike and REMOVE this account from XXXX credit Bureau until adequate information has been received and proving that the account belongs to me and all information is correct

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

Complaint:
I made a purchase for a suitcase from an online merchant which represented themselves as an original brand. When I received the item and the purchase confirmation I realized the merchant was actually overseas but presenting themselves as a local brand. As soon as I received the item I was unsatisfied and contacted the merchant. The merchant was overseas and were limited in there English writing skills but I did get in there messages to return the item and that they would provide a refund. 

I disputed this transaction with my bank USAA initially on XXXX XXXX, 2017 the amount of {$250.00}, almost three weeks after the initial purchase. They provided me with a provisional credit right away. But it seems they needed more information on the transaction and because I did not provide it they came back and took the provisional credit back. After realizing what occurred and speaking to my bank I went to my email and provided the bank all of the requested documentation including emails between me and the merchant and USPS documentation showing the item was returned back to the merchant. 

It has now been over 100 days I still have no solution to my dispute. I 'm still waiting to have my funds of XXXX refunded. The item has been refunded back to the merchant. the merchant has stated they have requested to the bank to have funds refunded I do n't know if that is true or not.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MS)

Complaint:
I applied to the Ulta Rewards Credit Card in store while shopping one day ( fell for the employee contest and figured it wouldnt hurt ). Only used it for that single purchase ( giving the card a balance of less than {$100.00} ), and didnt plan on using it often after this. I missed an initial payment, was charged the late fee, justifiably, but called and told the representative to pay the entire balance over the phone. I was told it was done, and took her word. Time passes and I finally had a chance to catch up on things that slipped through. Saw that I had an account negatively impacting my credit, and its this account that should have been closed months prior to this. The only balance on the card is late fees that are being continuously stacked on one another, which is not only absurd due to the process of charging late fees for late fees ( that shouldnt have even been charged to begin with ), but it is also impacting my credit score to my detriment

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-26
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. (KS)

Complaint:
I disputed my credit score on XX/XX/XXXX with my XXXX XXXX XXXX  and I wanted that fixed. When I disputed that situation with TransUnion, they instead removed my XXXX XXXX XXXX XXXX information from my credit report causing me to lose a lot of points. I STILL USE THIS CREDIT CARD. I would like my card information restored and points restored that were taken off as a result of removing my credit card from 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 2021-06-23
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Complaint:
I was fully approved for an SBA loan with XXXX for XXXX XXXX XXXX ( XXXX XXXX ) which went into a financial crisis during the pandemic. In the process of trying to recover XXXX XXXX and purchase another vehicle to get back to work with the funds provided the bank ( Capital One ) interfered by freezing my account for CPR investigation.When all documents requested were sent followed by an email from the lender ( XXXX  ) confirming approval my funds plus my refund deposit were still withheld. Due to this issue, my company is unable to prosper.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

Complaint:
GENESIS CREDIT MANAGEMENT ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$57000.00} does not belong to me. This account was fraudulently opened through this company in XXXXXXXX XXXX XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation