hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-12-20
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. (FL)

Complaint:
XXXX, Transunion and XXXX are still violating my rights and hurting my ability to obtain credit by reporting inaccurate information on my credit report. They have failed to provide any proof I owe this company. Once again please provide the original purchase agreement with my signature that shows XXXX XXXX - # XXXX are the legal owner of this alleged debt including all the terms and conditions that are included in the purchase agreement, original application and all statements from open to close and the original agreement between me and XXXX XXXX with my signature, the names, addresses and telephone numbers of the individuals that the credit bureaus contacted during their investigation for XXXX  XXXX. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the reinvestigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. If XXXX XXXX can not provide requested information the credit bureaus must delete it.

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 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Pacific Rim Alliance Corporation (WA)

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 states that I have the rights for privacy 15 USC 1681 section 604 A section 2.

It also states a consumer reporting agency can not furnished a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purposes

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (CA)

Complaint:
I received a letter that was dated on XX/XX/23 accounts was not verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
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. (NY)

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

Complaint:
On XX/XX/XXXX I deposited a check from my employer ( which is a local and reoccurring check ) in the amount of XXXX dollars and they have since made XXXX dollars available. I have spoken with the manager at chase Bank where I deposited the check and he was rude and reassured me that he would break the law and make sure my check was not deposited I have spent over 11 hrs on the phone on hold trying to get through to the hold department at chase Bank. I am currently on hold as I type this complaint. Today is the XXXX of XXXX I have XXXX XXXX dollar late fees from my credit cards over this and a late rent payment. I already worked for this money I shouldn't have to work for it again my time is not worth nothing I could have made this whole amount over again that instead was wasted on trying to get what I already earned plus the XXXX dollars in late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (CA)

Complaint:
I purchased a vehicle on XX/XX/XXXX from XXXX XXXX XXXX XXXX in XXXX XXXX CA. 

On XX/XX/XXXX I emailed the dealership requesting cancellation of 3 service contracts that they added on. 

On XX/XX/XXXX I visited the dealership in person to cancel the 3 additional contract that they added onto my purchase. ( On one contract it said I had 30 days to cancel and get a full refund. After which I can cancel and get a prorated refund minus {$35.00} service fee. ) On the other 2 contracts I have 60 days to cancel and get a full refund.

The dealership made me wait 2 hours and then agreed to cancel 1 of the contracts but not the other 2. The contract they let me cancel was with a company named Ally.

I signed the paperwork to cancel the one contract that they said I could cancel. 

As of XX/XX/XXXX I didn't see that anything had changed, So I emailed the dealership as well as the administrators of the contract -Ally and XXXX to cancel all 3 contracts. 

Today XX/XX/XXXX. I contacted Ally and the contract was still in force. It appears the dealership did nothing with the paperwork I signed. Ally went ahead and cancelled the service contract with me over the phone. 

I then contacted XXXX the administrator of the other 2 contracts. XXXX says that I can not cancel with them because they have never received the initial contracts from the dealer. So my dilemma is the dealer won't let me cancel the contracts that say on them that I can and the administrator company can't cancel them because the dealership is dragging there feet sending them in. Meanwhile I only have a few days left to receive a full refund on one contract and my refund continues to dwindle away on the other. The dealership has told me several times that I can not cancel the contracts because they were part of the deal. I had to buy them since they supposedly gave me a good deal. The paperwork says otherwise. That I can cancel, which is what I have been trying to do. 

To further complicate things, the dealership switched the finance company on me. So I need to be careful that when I do get the refunds, they go to the correct finance company. Not the company on the paperwork.

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 2019-11-04
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: EQUIFAX, INC. (FL)

Complaint:
I have just reviewed my credit report and have realized that there are some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of these accounts and have no idea who would have access to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
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: SANTANDER HOLDINGS USA, INC. (OK)

Complaint:
I have NO contracts or business dealings with XXXX. XXXX and credit agencies along with Chrysler Capital who sold my information to XXXX without my knowledge, traded information to discredit my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
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: Experian Information Solutions Inc. (AL)

Complaint:
I contacted XXXX/Experian in regard to over 14 inquiries which were not made by me and even spoke to them via phone numerous times.

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 2022-09-01
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: SECURITY FINANCE CORP (MO)

Complaint:
RE : Account # XXXX XXXX XXXX currently reporting to my XXXX Consumer Report. This account exceeds the Statute Of Limitations for the State of MO.

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 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 in the amount of {$1400.00}, has violated my rights. XXXX XXXX in XXXX amount of {$0.00} has violated my rights. XXXX XXXX XXXX XXXX in the amount of {$3800.00} has violated my rights. XXXX XXXX XXXX XXXX in the amount of {$800.00} has violated my rights. XXXX XXXX XXXX XXXX in the amount of {$810.00} 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 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 2023-05-09
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: Experian Information Solutions Inc. (TX)

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2022-01-07
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: Experian Information Solutions Inc. (MD)

Complaint:
Please remove these negative items from my reports it has been months and I have disputed these items multiple times and have not received any notice or anything it has been more then thirty days and I have been harassed from creditors and regards to debts that are inaccurate please look into this matter immediately I have did some research and there are clear violations from the fcra and fdcpa

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 2022-12-08
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. (CA)

Complaint:
Upon CFPB complaint completion on XX/XX/2022, Creditor and Consumer agreed to delete account. Dispute was opened with XXXX to delete account and pertinent documents were uploaded for validation. XXXX deleted account, XXXX DID NOT delete account and closed the dispute. I called multiple times and they just want to open another dispute, which is ridiculous! This is a USC 1681i - Procedure in case of disputed accuracy AND 15 USC 1681i ( 5 ) ( A ) ( i ). 15 USC 1681 states that I have a right to privacy. 




XXXX XXXX Home Mortgage  Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
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. (NY)

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (MO)

Complaint:
I had my account opened. I had gotten a settlement and several different deposits there was two or three main big with. Withdrawals I had my mom called and I was locked up in jail and when I got out they claim that my account has been closed and all the money has been used. Theres no way because I was in jail. Obviously Ive been fighting this for a year and a half now Im sick of it. I had another deposit that says that it went through. Theyre telling me it didnt and find out the bank is closed or went underneath some other name. they claim no records but I got my emails proof and my account had been transferred an now that account is not open

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
Original Balance for pay off amount is {$5700.00}. 
When I called XXXX, they said I owe them {$6100.00}. 
They are adding interest each month for an charge off.

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 2021-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NC)

Complaint:
I had deposited a check for an insurance claim and didnt know that the wrong check was sent to me, leaving me with a huge negative balance of course I spoke to my bank explaining the check I received was to be sent to the towing company and they got my check. This was going to take some time to clear up but Im was not trying to accrue all the NFS fees and I had my stimulus checks to deposit but wasnt going to if they couldnt get the NFS fees removed. They agreed and everything was great. Until they literally just ripped out {$760.00} out of my account a whole month later screwing up my account and money! They refused to give my money back and I cant understand how they can do that!

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 2018-04-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc. (VA)

Complaint:
I got a car loan from Consumer Portfolio inXX/XX/XXXX at an interest rate of 16 % for 6 years. On XX/XX/XXXX I requested tow payments be extended at the back of the loan, but the company extended my loan untilXX/XX/XXXX, which is basically another year on the loan.

Also, I notice different dates that my interest rate goes up, or isn't applied to the loan but only the interest. I have had this car for 5 years and the loan has only went down XXXX. Which almost 19K went toward the interest.

Inquire as to the interest rate being applied in various amounts over the course of the loan and some months no interest was applied at all.

Inquire as to the XXXX that has been paid in interest.

Inquire as to why the amount applied to the principal is only around 5K over the course of 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc. (IN)

Complaint:
The company is GLA collections and the debt owed on my credit report is XXXX. I did call to ask about the debt to be takin off my credit report but for some reason they say it cant be. The date they have it open is XXXX of XXXX. I was XXXX from XXXX. I havent been to a hospital since last year when I had a XXXX. Prior to that I could actually speak on when I went. I dont understand how these debts continue to pop up when they are more then 7 years old. I have disputed many times and somehow its not been takin off there. I attempted to call just to try and make some kind of pmt plan to have it takin off there unless paid in full they would not. All Im tryin to do is get my credit in good standing. I believe it should be takin off my credit report. There was several more on there that was disputed and removed but the way they talked they would just reopen and have them put back on my credit report. Its now XXXX and Ive not been to any hospital. So some of these debts they have are while I was XXXX  and thats not possible. They should be removed and stay removed. I dont see how a debt can continue to be reopened or put onto my report after Ive continued to dispute the items.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NC)

Complaint:
Tried to access Nelnet website, however, I am unable to because of the " status of my account. '' The status is that I have am third-year in a five-year Chapter XXXX bankruptcy out of the XXXX XXXX of North Carolina. Not only do I want access to my account via online so I can make optional payments ( when I have the extra money ). I understand they are not required during my bankruptcy proceedings. Moreover, I want the most recent account balances ( with principal and interest balances clearly delinanated, and the grand total ). Finally, I want to be able to access the XXXX application. Right now, I am unable to because of the " status of my account '' message.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MN)

Complaint:
On XXXX2016 XXXX XXXX made a final attempt to have the college debt discharged. 
XXXX XXXX XXXX XX/XX/16 to XXXX Hello, I did all of the steps to discharge my loans but I'm not seeing any results. 
I have been XXXX with a XXXX XXXX and one of my options with the student loan program is to discharge if I'm with a XXXX XXXX. 
I would like someone to follow up with me and assist me with finalizing this option. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (TX)

Complaint:
XXXX XXXX XXXX this is on my credit report for XXXX this is not my account reporting on XX/XX/2023 Hunter Warfield inc this is not on my credit report for XXXX this is not my account reporting XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Information Bureau, Inc. (FL)

Complaint:
I am a victim of identity-theft. Legal Department, I am a victim of identity- theft, I am writing to request that you block all the following fraudulent accounts in my files with XXXX , XXXX , and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your company 's unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 1. XXXX XXXX XXXX bal. {$77.00} 2. XXXX XXXX XXXX bal. {$1400.00}

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