hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
In accordance with the Fair Credit Reporting Act TransUnion has violated my rights by reporting false information about the following : XXXX XXXX XXXX  late payments. Acct # XXXX It currently shows collection/charge-off. 



15 U.S. Code 1681 Section 602 A. States I have the right to privacy. 



15 U.S. Code 1681 Section 604 A Section 2. States a consumer reporting agency can not furnish an account without my written instructions. 



The above account information is false! I have and am experiencing close to homelessness due to this false information. I need this information corrected by removal from my credit report. I have XXXX  children and XXXX  on the way and I care for my XXXX  mother, and it is ridiculous that I must live in a small apartment for how many more months and years! Waiting for this to change?? I need this removed. Below is the information I see that is totally incorrect. I have contacted TransUnion multiple times with no change to this information. It's like they don't even care. I lose sleep and feel like life is exhausting me because of how stuck I am with this credit score being reported so wrongly.

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 2023-05-26
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: EQUIFAX, INC. (TX)

Complaint:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly update or delete the following items. Thank you. 
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 non-monetary relief
Consumer complaint received 2022-01-11
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:
Since XXXX of XXXX, I started and have been trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters were sent to the 3 credit bureaus : XXXX, XXXX and TransUnion on XX/XX/XXXX and nothing has been done.

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 2018-06-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION (GA)

Complaint:
I requested a loan of {$12000.00} from XXXX XXXX in XX/XX/XXXX. Three disbursements were made.XX/XX/XXXX for {$4700.00}, XX/XX/XXXX for {$4700.00} and XX/XX/XXXX for $ XXXX.Total disbursed {$9500.00}. I graduated XX/XX/XXXX. Throughout the term of the loan I had placed the loan into deferment. In XX/XX/XXXX I called XXXX XXXX to inquire why my principal balance reflected total amount owed {$13000.00}. I was told by two customer service representatives that during my deferment my student loan accrued capitalized interest. The issue I have is with how this information is disclosed on my billing statement. My billing statement reflects the actual principal of {$9500.00}. actual funds I borrowed and then it shows current principalb {$13000.00}. this is very confusing. In addition it is inaccurate according to XXXX XXXX dictionary online principal is defined as : a matter or thing of primary importance : such as a ( 1 ) : a capital sum earning interest, due as a debt, or used as a fund. In addition according to XXXX XXXX  dictionary online Th term interest is defined as a : a charge for borrowed money generally a percentage of the amount borrowed. Disclosing an increased amount and defining it as principal would indicate an additional amount borrowed, however it is interest and should be disclosed on monthly billing statements as capitalized interest NOT PRINICIPAL. Since this is not part of the funds borrowed it should be separated and disclosed as such including the dates of the deferrment period. This will lead to decreased student loan debt and more transparency. My goal is to help alleviate the burden placed on graduate students, in addition, XXXX XXXX  offers few options to negotiate repayment. Except forbearance or deferrement. There are no options to alleviate the payment based on income. They are forcing students to accrue more debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Complaint:
BOA charges an initial overdraft fee of {$35.00} & then charges the same fee again & lists as an extended overdraft charge. If you call them to have this fee waived they either refuse or will only do it once every 6 months. I recently connected my BOA to my  XXXX  checking account to be able to make transfers.  XXXX  deposited less then {$1.00} twice & then pull ed one of the deposits back, BOA tho ught it was well within thier right to charge me another {$35.00} fee. They have also charged me {$5.00} fee to replace the debit card they issued to me when the chip no longer worked. How the  XXXX  are you going to charge me for a defective card you issued me?! In order to get them to rectify the issues you have been subjected to you have to  XXXX  near threaten them within an inch of thier life. Consumers do n't deserve this when it 's thier money they earned. I 'm the sole breadwinner in my household & every penny counts & to watch this POS bank take it & then argue with me over fixing the issue is absurd.

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 2021-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CT)

Complaint:
Dear Sir / Madame : I had contacted my credit card company, Citibank, to help reverse an {$80.00} charge from XXXX. The amount was from my XX/XX/2021 car rental. The first part of the amount was the Fuel Purchase Option, {$45.00}. And the other part was for XXXX XXXX, {$34.00}. 

I would've reviewed the agreement before leaving the airport after pickup. However, the attendant said the " system was down '' when I was checking the car out. So there was no rental agreement to preview. The only agreement I had was the one I used from my company 's travel agency. Which was for ~ {$190.00} for the week. 

As a matter of fact, I returned the car with a full tank. So, again, the FPO is not something I signed up for. 

I reached out to Citibank and it gave me a temporary credit which they now have reversed. Meanwhile, XXXX just sent me a letter saying I actually owe them {$80.00} when in fact I've already paid Citibank that amount and am waiting for the permanent credit. 

Appreciate your help in reversing {$80.00} from XXXX XXXX Citibank VISA. 

Sincerely, 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 monetary relief
Consumer complaint received 2023-02-25
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. (NY)

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 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, 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 2022-04-01
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: Experian Information Solutions Inc. (NJ)

Complaint:
I received the copy of my credit report and found inaccurate information, there are late payments showing when I am not really late on this account.

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 2017-08-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Complaint:
I received an invitation from Capital One to open a 360 checking account with a Promo code of XXXX, that after I met the requirements of the using the code and having two direct deposit of XXXX or more within 60 days of opening the account, I would receive XXXX as a bonus for opening the account. When I received the invitation I did live in the " targeted area '' but I was moving a week later. On XX/XX/XXXX I called customer service and explained the situation to them and specifically asked them that if I wait to open my account after I move to Florida, would I still get the bonus. The customer service rep said yes, just as long as I entered the promo code and make the 2 deposits. I move to Florida opened my account, entered the code and actually have had 3 deposits within the 60 day timeframe and I have not received the bonus. I called back on XX/XX/XXXX to find out what was going on and at that time I was told that I was not eligible for the bonus and basically was told false information regarding what was the " targeted '' customers ie : they had to be already capital one credit card holders to receive the offer, which is completely untrue. On XX/XX/XXXX, I faxed in a official complaint and explained the situation and asked them to make the situation right and to contact me. I still have not heard anything or received the bonus. If I was not eligible to receive the bonus when I moved to Florida then why did n't the computer tell me this when I entered the promo code? The fact that I met all the qualifications and entered the XXXX promo code, I feel like I am entitled to the promotion. I have also attached the complaint letter I sent to Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA (DE)

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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC. (OK)

Complaint:
XX/XX/XXXX called Midland Credit Management to set up payment arrangements of {$50.00} a month for 3 months starting XX/XX/XXXX. XX/XX/XXXX I made {$50.00} payment and today XXXX/XXXX/XXXX got a letter saying that agreement was voided. 

Called MCM and they could n't offer any explanation as to why it was voided. All they would say is that they received payment in XX/XX/XXXX. When I set up this arrangement it was because they told me that if I did not make arrangements to pay than this pre legal account would go to their legal department. 

It seems like they voided the agreement that both me and midland credit management agreed to in the hope that I would n't find the letter and be taken to court! 

I set up another arrangement but fear that this too will be voided like last time and i notice it too late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NV)

Complaint:
I opened this checking and savings account a long time ago. I have direct deposit and they said if I have XXXX the monthly fee will be waved. To this day I have complained in person and they are still charging me a monthly fee every month.

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 2020-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

Complaint:
I purchased XXXX  XXXX tickets for my family members with my chase credit card. The tickets were not honored because my family members did not have my credit card physically present while boarding.The manager on duty on XXXX XXXX flight # XXXX  XXXX from XXXX to XXXX on Friday XX/XX/2020 did not allow my family members to get on board. No boarding pass were issued. My family members were present at the counter and were denied boarding. The surveillance cameras at the counter will show that all of them were present. One of my family member sent feedback to XXXX XXXX online for the problem they were facing. Due to COVID-19 my family members were stuck at the airport for five days.There was no way I could have sent them the original card. I called via video link to speak to the manager on duty. I sent him copy of my ID, showed my original card but he refused! It was an emergency. I could not let my son and other family members sit at the airport any longer.I had to purchase new tickets for them to go home. Please see attached copy of new tickets from another airline. 
I tried to contact XXXX XXXX numerous times but due to COVID, my calls could not get through. I even made visit to their office in XXXX XXXX but I could not get any help. 
I disputed XXXX XXXX tickets transaction number XXXX for the amount of {$3900.00} dated XXXX with my chase credit card. The XXXX XXXX never provided the services by not allowing my family members to board on the flight. Chase denied my dispute stating that " The Merchant has provided the information showing they believe the charge you are disputing is valid ''. 
The only information was provided that the flight was on time to XXXX! 
I requested the credit card company ( Chase ) to ask the merchant to provide the boarding passes if the services were provided to my family. But no response! 
Please contact me if you need any additional information. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Complaint:
Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. PORTFOLIO RECOVERY ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
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: Experian Information Solutions Inc. (TX)

Complaint:
Recently had an account show up on my credit report and the credit bureau was asked to verify its validity sent a correspondence on XX/XX/2020 the matter has not been resolved and the dispute has been open since. For XXXX, XXXX  and Experian.

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 2020-08-23
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: Experian Information Solutions Inc. (NJ)

Complaint:
No matter what I do Experian is constantly keeping my credit low. Not only are they keeping my credit low because I believe they want me to use Experian XXXX but they are recommending me to apply for certain credit cards which is dropping my credit even more because now I'm seeking credit. 

They are keeping my credit low but the reasons they are giving me are not correct. My file claims I have recent missed payments but in the descriptions it says 1. Your most recent missed payment happened Unknown I will attach this in a screen shot. What is " unknown ''? Screenshot # 2 2. They are dropping my score because I have paid down 61 % in 2 open loans that I have. One is a self credit builder loan which I owe {$220.00} and my other loan I am keeping open to build credit is {$950.00}. I have now paid both of these off because I guess having {$1100.00} in open credit is considered high risk? I can't win with this credit company. They are destroying my credit which is ruining my life at this point during a pandemic. Screen shot # 3 and # 5 3. Telling me to apply for credit cards which I should be able to get. But Once I do this they lower my score even more and then tell me a reason my credit is so low is because I am seeking credit. If I follow Experians advice they are lowering my credit EVEN MORE! Attached screenshot # 1 All of these new fico scroes are UNFAIR. They keep coming out with new Fico scores that are INSANE! The auto fico has me listed at XXXX but I'm close to 700 at other credit reporting agencies. This is a scam. They are working with lenders to INCREASE RATES.  Anyone can just say oh we are going to use the auto fico score so we can charge you an insane interest rate. This is totally unfair to consumers Attempting to call the company goes no where. I was on the phone with XXXX at XXXX EST XX/XX/2020 and was told that their score is based on the information that they have. I can see the information in my report but it's clearly not the same information they are using to calculate the score. Why is the fico 8 from Experian much much worse than the other companies? No one can answer this question. When I asked to dispute an error I was told to do it on the website but you can only dispute one time. And I couldn't dispute on the phone because of course they are closed. Seems like this process is much more difficult than it needs to be to keep rates higher for everyone. 
Disputing errors on your report clearly doesn't improve your score as much as it should. They are not being clear about their scoring.

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 2018-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Complaint:
I have money being illegally garnished from my account for a credit card that was paid off in full. XXXX of Colorado is currently garnishing my wages over a credit card that was paid off in full in XXXX of XXXX. I have copies of the checks stating the amount had been paid in full.They have been taking over {$110.00} and sometimes more from my account since XX/XX/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