hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2017-08-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Complaint:
I have a vehicle loan from Capital One Auto Finance that has fallen behind because I have not had a job since XX/XX/XXXX. I tried to get an extension earlier during the summer but they denied it and has since put the vehicle out for repossession with XXXX XXXX XXXX. On XX/XX/XXXX at XXXX XXXX I received a text message from my ex girlfriend, mind you we have been split up for almost a year, that an agent from XXXX XXXX XXXX came by her house and disclosed that my vehicle is out for repo. Now it is my understanding that a repo agent or debt collector is not allowed to disclose that there is a debt owed to a third party unless they are authorized by the debtor. I then received a call on XX/XX/XXXX at XXXX XXXX from an agent for the same company saying that " This is XXXX and that I am a civil process server in XXXX County and that I have some papers I need to deliver to you. '' This is also a direct violation of FDCPA rules because a debt collector or anyone that is employed to represent the debt collector is not allowed to deceitfully identify himself as someone representing any type of court , county, state, or federal employee in order to scare information out of the debtor. I have the voicemail as well as the text messages from my ex girlfriend verifying this information. I have no called the finance company or the repossession company back because I do not want to be verbally assaulted. If the repo company is willing to disclose debts with third parties and to pre text to deceitfully get information then I do n't know what else they are willing to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

Complaint:
I filed a complaint on XX/XX/XXXX against Santander Bank ID # XXXX, regarding XXXX 's XXXX XXXX. Santander Bank told another person named XXXX XXXX that the account belonged to her. 

XXXX 'XXXX  XXXX XXXX established a business checking account XX/XX/XXXX under XXXX XXXX with two signers on the account ; XXXX XXXX and XXXX XXXX. A branch of Santander Bank took it upon themselves to add a different XXXX XXXX to the account. Attached is a letter from Santander Bank admitting there error. I would like Santander Bank charged with violating the Banking Privacy Act.

By Santander Bank giving this information to another person without verifying with the account owners is a violation against Banking Privacy Act and because of this we need to establish a new  account. In order to establish a new account we must file a " Certificate of Organization for a LLC '' which will cost us {$120.00}, which I would like them to refund to XXXX 'XXXX  XXXX. Because if they had not caused this error we would not be in this situation. 

I have attached the letters and email from the first complaint along with the letter received from Santander Bank admitting to error. 


Sincerely 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 2019-04-02
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: CITIBANK, N.A. (CA)

Complaint:
was on vacation in XXXX on XX/XX/2018, and I had my credit card with me, I went to dinner and when I paid my bill I gave my card to the waiter to make the payment, the waiter left and a few minutes Then he return with my card and my bill. 
that was the only time I did not have my card in my hands Two days later when reviewing my account statement I realized that I had a charge of XXXX dollars from a bar restaurant in which I was not there that night and in fact I have never been in that place. 
I made my claim with the credit company and they did not want to follow my case because supposedly that payment was made with the physical card. 
I have asked for proof that it is actually my signature, because although physically I was supposed to sign. 
The credit card company never showed me any proof that the signature is mine or that in fact that receipt is signed. 
I was a victim of fraud and they ( the credit card company ) said that I have to make a report to the police, I was on vacation and I realized when I returned to the country. How am I going to return to make a report? 
I think they have an obligation to follow up and show me the proof that I was the one who was consuming XXXX dollars in food and alcohol for one 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 explanation
Consumer complaint received 2023-08-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Complaint:
I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Complaint:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 
I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MI)

Complaint:
I was a victim of a scam artist that obtained my personal information when i was applying for a personal loan back in XXXX of XXXX. The scammer got my banking information around the XXXX of XXXX such as my acct name and password, and reversed legit transactions i had been making for years, i.e. rent payments, phone bills, etc. For some reason Chase bank never questioned me or red flagged these disputes of made payments. After my seeing what was happening in my acct, i went to Chase and asked them what is a reversed transaction, therefore with the explanation i had to tell them that no these were in fact legit payments- and i dont want the reversed process to occur, since i did not even initiate the processing of it. Due to all of the reversed transactions that were pending, Chase decided to close my acct. I asked my banker if this meant no more checks or payments either going in or going out could occur. She told me no, the acct is closed so there will be no more of either activity. I was expecting to receive my final stimulus check. In XXXX, i still hadn't received my stimulus that i was expecting so i went to Chase bank and they said yes we received it but ur account is so far in the negative that we kept it and put it towards your balance. I was told Chase closed my account by the XXXX, my stimulus came around the XXXX or XXXX. I had even submitted proofs of my filing a police report for identity theft and fraud, and paperwork on my XXXX XXXX and XXXX  of needing to freeze my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Complaint:
Reporting wrong balance amount steady increasing balance after years of charge off keeps reporting open and closing of account to purposely damage my score as a form of harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Complaint:
I set my account with Kohls on auto pay for my payments. I received a collection call from Kohls on XX/XX/XXXX for no payment in XX/XX/XXXX. On XX/XX/XXXX thanking me for setting up auto pay for my account. Come to find out that after you set up auto pay it does not take effect for 2 months. That is not spelled out in the auto pay agreement, which should be so that you know that you need to continue making payments for that time frame. I believe that they intentionally mislead the customer so that they can collect late penalties and negative credit reporting. If they are going to offer autopay to their customers they need to make all facts regarding the time frame for the auto pay to begin.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-30
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. (MO)

Complaint:
Equifax is the CRA which has continued to report inaccurate account information and status as of XX/XX/18. 
I have filed online dispute yet they continue to report the inaccurate information over the last several years. 
Multiple accounts are not mine and I am not responsible for those accounts. 
2 other accounts are showing up written off when they were not and they have been paid in full. The dates reported of last payment is incorrect.

2 Medical accounts are being reported that are inaccurate and were paid by insurance. 
The dates of when these were opened are false and without merit. 
I have asked for proof and they have not provided said documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Complaint:
Under Section 611 of the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute any inaccurate or incomplete information on their credit reports. This section places specific responsibilities on both the credit reporting agencies ( CRAs ) and the information furnishers, ensuring that consumer disputes are handled accurately and fairly. I am writing to file a formal complaint against the credit reporting agency ( CRAs ) Experian regarding the inaccurate reporting of non-compliant information on my consumer report. My efforts to address this matter directly with Experian have yielded unsatisfactory results, prompting me to seek assistance from your agency. 

Background and Dispute Nature : On XX/XX/XXXX, I submitted certified mail dispute letter to Experian disputing the accuracy and compliance of information reported by XXXX XXXX XXXX XXXX XXXX. Despite providing evidence and raising concerns about the information 's non-compliance with Metro 2 guidelines, Experian responded that the information was Metro 2 compliant, despite the evident inconsistencies. These inaccuracies have had significant adverse effects on my financial well-being. 

Experian Role and Responsibility : As the entities responsible for accurately reporting and maintaining consumer information, I am deeply concerned about the Experian apparent lack of vigilance in upholding the integrity of the credit reporting system. Experian plays a crucial role in helping consumers access fair and accurate credit reports, which in turn impact their financial opportunities and well-being. In my case, Experian failure to accurately report non-compliant information has led to severe financial and personal repercussions. 

| Reporting Discrepancies | XXXX | XXXX | Experian | | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -| -- -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- | | Reported On Record To | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | | Last Payment Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | | Last Payment Date ( as per XXXX ) | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | | Last Payment Date ( as per Experian ) | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | | 30 Days Late in | - | XX/XX/XXXX | XX/XX/XXXX | | 30 Days Late in | XX/XX/XXXX | - | - | | 120 Days Late in | XX/XX/XXXX | XX/XX/XXXX | - | | 120 Days Late in | XX/XX/XXXX | 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
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2022-07-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX 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 XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX 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 2022-11-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

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 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Complaint:
Im submitting this complaint against Experian, XXXX, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA, since XX/XX/2022 to present. I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from the credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

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 2023-01-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (IL)

Complaint:
I would like a copy of my contract.

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 2020-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau of York, Inc. (PA)

Complaint:
Over 6 years ago, I employed the XXXX XXXX XXXX XXXX XXXX to help me with a XXXX case. Their firm helped me for several months, and my bills were paid up to date. We reached a point in the process where the attorney said, in order to continue with the case, I would have to pay another {$3100.00} on top of what I already paid them. The case was dropped, shortly thereafter, and no more legal services were rendered. So this bill for {$3100.00} was not paid, because additional legal services were not needed. Somehow, this balance got sent to this collection agency as an unpaid bill, but it was a mistake. I do not owe the law firm an additional {$3100.00}. We paid them for the services they provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
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. (MN)

Complaint:
I was already in the rehabilitation with the Department of Education. However, they never remove it out of collections. It has a negative effect on all 3 credit bureaus. I was was informed in writing if I complete the program the negative remarks will be removed from my credit report. Also, I was never informed about the forgiveness program. My due process was never given to me. For example, no one never explained the Income Based Repayment Program. Based on my income my payment will XXXX amount and the negative items would of never been on my credit. In fact, I would of been in an excellent situation regarding my credit!

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 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

Complaint:
On XX/XX/2022 I sent Certified Mail to all 3 credit bureaus ( Equifax, XXXX and XXXX ) notifying them that the personal information listed on my report is inaccurate. Credit bureaus are legally required to report accurate and up to date information. On all 3 reports addresses, phone numbers and alias names were linked to myself. This may possibly be from identity fraud or negligence on the part of these credit agencies.

Company response to consumer: Closed with explanation