hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-10-16
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: DISCOVER BANK (NM)

Complaint:
Hello, At about XXXXXXXX XXXX on XX/XX/22 we purchased XXXX tickets online for an event from XXXX XXXX and the charge was made on our Discover Credit Card in the amount of {$160.00} ( {$75.00} per ticket plus service fees ) They sent Tickets for Friday the XXXX of XXXX, we ordered tickets for Saturday the XXXX. 
We notified them as soon as we saw the error at about XXXX XXXX on the XXXX and only received a computer generated message indicating the matter would be investigated. 
Before we purchased the tickets for the event we made hotel reservations and the reservation for the hotel was only able to be cancelled before XX/XX/22 at XXXX without a charge. 
We emailed the vendor again regarding the error early on the morning of the XXXX, text messaged them also and left XXXX voice mail messages stating that we needed to know by late afternoon of the XXXX that we would be receiving corrected tickets before we would be charged for the hotel reservation if we had to cancel. No response other than the notification regarding the investigation was ever received. 
We cancelled the hotel because we were in limbo when the deadline approached. 
XXXX sent corrected tickets on the XXXX XXXX hours after our free hotel cancellation deadline had expired and never communicated with us regarding whether or not the tickets dates would be corrected. 
When we tried to make a new hotel reservation after receiving the tickets for the correct date, there were no hotel rooms available. We asked that the purchase be cancelled and our credit card issued a credit. It has been declined and our dispute denied by Discover because they state the correction was made, although by that time we were unable to get a new hotel reservation. 
The XXXX charge was made immediately and yet it took XXXX hours to make a correction. If they had only communicated to let us know that we would get corrected tickets in time, this issue could have been avoided. But XXXX did not. 
We cancelled our Discover account but would like to be credited for the {$160.00} by the vendor XXXX XXXX. We have no outstanding balance other than the disputed amount. 
We also have {$14.00} XXXX Back owed to us by Discover. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WV)

Complaint:
Chase bank refuses most of my transfers to other banks. They have locked my account 3 times in 2 days. They currently are refusing to approve a XXXX transfer to myself at XXXX bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit (PA)

Complaint:
I have an issue with the Audi Financial Services. At the end of my lease program, I decided to buy out my vehicle. Maturity date for my lease was XX/XX/XXXX. I overnighted them a certified check in the full residual amount of {$32000.00}. They have received my check on XX/XX/XXXX. Since then, they keep sending me letters that I have never paid off or returned my vehicle and that I will be billed accordingly. I called them on XX/XX/XXXX, spoke with XXXX extension XXXX and was assured they have received my check and it will be applied to my account and I should receive my title shortly. Today, XX/XX/XXXX, I have received another letter in the mail stating that I havent purchased or returned my vehicle yet. I looked up my account online and there is a total due {$620.00}. I keep calling them, they tell me everything will be applied and processed but nothing is being done. They will ruin my credit score. The phone number I am calling them is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17
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 disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

Complaint:
This account is not mine for the amount of {$240.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (HI)

Complaint:
Experian is reporting a charge off account on my credit report that's fraudulent. I have call and sent many letters. I sent identity 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 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MRS BPO, LLC (NY)

Complaint:
XX/XX/19 : Paid XXXX XXXX what should have been my final bill but still received a subsequent bill.

XX/XX/19 : Switched from XXXX  XXXX to new service.

XX/XX/19 : Returned all XXXX equipment to them.

XX/XX/19 : Received final XXXX Bill. Called immediately to dispute charges but was unable to get immediate assistance.

XX/XX/19: Took the day off from work and was finally able to reach a representative who explained the bill. Still didn't agree with the explanation but we could not come to an amicable agreement. I explained that my contract buyout was in process and that I would pay the bill by XX/XX/2019.

XX/XX/19 : Received email notice from MRS BPO , LLC, XXXX had assigned them the account. MRS BPO provided 2 payment options. I opted to make 2 payments of {$220.00} due XX/XX/19 and XX/XX/19. I made my first payment XX/XX/19.

XX/XX/19 : Called MRS BPO to clarify payment agreement because I received a notice which stated the option I chose would not pay the bill in full. Representative said the option had expired on XX/XX/19 but there is nothing in their records that shows this and the rep agreed to accept the final payment. She assured me that my bill would be paid in full and accepted my credit card payment by phone. 15 minutes later I receive notification that she placed the account on my Credit Record. It dropped my credit score by 54 points. I am in the process of buying my retirement home and this can either impact my interest rate or lead to me being denied for a mortgage all together.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
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. (TN)

Complaint:
XXXX XXXX  corrected and removed the erroneous late payments they placed on my account and replaced them claiming other months. Additionally, I previously filed a complaint against XXXX XXXX and the company XXXX XXXX XXXX in XXXX for fraud. I received a call allegedly from the XXXX XXXX  's executive branch. I returned their call numerous times and left messages, but they never call me back. There was no reasonable investigation into my claims. 

Below I enclosed the reporting from my Equifax Credit report and as you can see, XXXX first removed the late payments then slapped them back onto my account. 

I am trying to buy a home and XXXX 's action demonstrates their conduct for which I seek damages. 

t looks like your payment history was updated or corrected. If you're not sure why this happened, you could contact your lender to find out more. 
Your account payment history was updated. Here 's what changed : XX/XX/XXXX : 30 days late XX/XX/XXXX : 30 days late Here is what your payment history showed before : XX/XX/XXXX : Current XX/XX/XXXX : Current

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CADENCE BANCORPORATION (GA)

Complaint:
Last Friday, I received an email stating State Bank was merging with Cadence Bank and our online banking was no longer available. I tried to use Cadence Bank 's instructions to access my account without success. I called Cadence Bank on Saturday morning ( per the customer service hours on the website which are not accurate ) and there was no one available to assist me. Monday was a bank holiday. I called the customer service line again on Tuesday. I waited 10 minutes and someone answered ( XXXX, I think ) and said they had IT issues and she would call me back. Nothing. I called several times on Wednesday and no one at customer service ever answered. I've had no access to my account for almost a week and can not pay bills via bill pay ( which are now getting late fees ), have no idea what is being debited from my account, and can not make online deposits. The XXXX XXXX branch tried to help me yesterday and can not and has me on a list of IT issues. I think it is unacceptable for a financial institution to have such disregard for it's customers and cut access to their accounts for this length of time without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, US DEP ED,  XXXX. 
Company Inquiries 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 explanation
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (GA)

Complaint:
Truist bank offered a {$400.00} incentive to open a new account. I opened the account and scheduled a direct deposit of my SSN check. 
They closed account and kept my Social Security.

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 2021-09-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

Complaint:
On XXXX I sent a letter regarding inaccurate unknown things and late payments on my credit report to this day over 75 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax 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 2023-02-17
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. (NC)

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

Complaint:
CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) CC : XXXX XXXX XXXX XXXX XXXX XXXX CC : Federal Trade Commission ( FTC ) CC : Experian, XXXX, XXXX Dear XXXX, I am writing to dispute the charge-off that appears on my credit report for account XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report.

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder.

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous.

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred.

Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report.

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

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 non-monetary relief
Consumer complaint received 2023-06-17
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CREDIT ACCEPTANCE CORPORATION (NC)

Complaint:
XX/XX/2023 XX/XX/2023 I have been reporting various reports with the CFPB about credit acceptance I have told Both The CFPB and credit acceptance that I am on fixed income of {$510.00} monthly income and {$190.00} food stamps Following being hit by a car while walking I am XXXX I do not intend on paying this debt because I can not afford it I dont wish wish to be contacted by credit acceptance as Ive told them to stop calling me I suffer XX/XX/XXXX And I will not be bullied as I do know my consumer rights I will not allow this form of harassment From credit acceptance who is also reporting repossession/foreclosure to my credit report The car was repossessed not foreclosed Again I do not have the money to pay for this debt nor do I intend on paying it If they contact me again I am filing a lawsuit For harassment disturbing my peace And misinformation on my credit report I am in the process of healing from having touch and go XX/XX/XXXX The last thing I need is to be arguing with a creditor about a debt Ive already said I cant pay Ive requested a 1099C so I know they have already filed So that I can file it as well Ive requested a XXXX deletion If they are not going to give either to me They should just leave me alone

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 2022-09-23
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. (SC)

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Complaint:
As XXXX XXXX I wrote this letter to equifax I am writing this letter to request that Equifax Information Services LLC report XXXX current credit information to credit reporting agencies as required by law, and to inform you that your failure to report my credit information may be in violation of the Fair Credit Reporting Act ( FCRA ) and the Adverse Action Laws, as established in the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Despite having multiple credit accounts and a credit history, my current credit information is not being reported by Equifax. This is causing my credit score to be lower than it should be, and it is impacting my ability to obtain credit and other financial services. In addition, your failure to report my credit information may be in violation of the Adverse Action Laws, which require that you provide consumers with a notice of adverse action when you deny credit or take other negative actions based on information in their credit file. 
In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Supreme Court held that adverse action under the FCRA includes " a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, among other things. The Court further held that an adverse action notice is required whenever adverse action is taken, and that the notice must include certain information, such as the specific reasons for the adverse action, the credit score or other credit information relied upon, and the consumer 's right to obtain a free credit report from the reporting agency. 
Therefore, I am requesting that Equifax update my credit file to include my current credit information and any other relevant information, so that it accurately reflects my creditworthiness. The following are the details of my account ( s ) that I believe should be reported : [ List the name and account number ( s ) of any credit accounts that you believe should be reported ] I have enclosed a copy of my government-issued ID and proof of address for verification purposes. Please let me know if you require any additional information to update my credit file. 
I appreciate your attention to this matter and request that you take prompt action to report my current credit information as required by law. If I do not hear from you within 30 days, I will be forced to take further action, including seeking legal counsel to ensure that my rights are protected. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation