hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-01-04
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. (NV)

Complaint:
The credit bureaus are illegally reporting inaccurate information 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 2018-04-24
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. (MD)

Complaint:
The information far as my name and address that is reporting on my credit report is not correct. The correct spelling and address is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX, maryland XXXX. Everything else far as the other names and address is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Product: Vehicle loan or lease — Loan
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: TD BANK US HOLDING COMPANY (MA)

Complaint:
I am writing in regards to my auto loan with TD Bank originated on XX/XX/XXXX. This loan has been paid off in full as of XX/XX/XXXX. My concern involves the final payoff payment of {$200.00}. For the 5 years of my auto loan I enrolled in auto payment and was never late on a single payment. I was unaware that the final payment would not be paid through auto payment as all the previous payments had always been prior and there was no communication from TD Bank to communicate this change. When I had not received the title of the car after a few months, I logged into my online account to check the status of the loan and realized that the final payment was still due. I paid this immediately on XX/XX/XXXX, however, at that time the account was already past due over 90 days. I remedied this as soon as it came to my attention. 

Recently, I ran a credit check as I am in the process of refinancing my home. It was then that I realized this final payment issue has negatively impacted my credit score. I had been diligent about paying my auto loan on time for 5 years ( as well as all my other bills ) and my account history was always in good standing. I had reached out to TD Bank to try and resolve this since the loan is now fully paid off and this was only late payment over the course of 5 years in hopes that this will not negatively impact my credit score and financial health for the next 7 years. I am very diligent about ensuring I am responsible financially and am frustrated that I did not receive any communication instructing me that the final pay off amount would need to be paid manually.

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: DISCOVER BANK (CA)

Complaint:
Hi I was a victim of identity theft.I have negative accounts reporting on my credit report that i have no knowledge too. I have noticed multiple addresses and names reporting on my credit report that are incorrect. I have reached out regarding these matters to the creditors as well as the 3 bureaus asking them to investigate and remove inaccurate addresses and names. However, they have not fully looked into that matters. I have sent letters to XXXX XXXX XXXXXXXX which is reporting a charged off account of in the amount of {$18000.00}. XXXX XXXX XXXXXXXX reporting a charge off account once again for amount {$9900.00}. Discover Bank is also reporting charged off in the amount of {$35000.00} I have requested investigation and a response back from the 3 bureaus as well as the creditors. But haven't gotten a Resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
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. (CA)

Complaint:
I purchased a flight ticket scheduled on XX/XX/2020 using Chase credit card on XXXX XXXX, 2020. My flight was cancelled due to COVID-19 pandemic. Merchant is XX/XX/XXXX ( from which I purchased ), and XXXX is airline company. Per a supervisor of XXXX 's instruction, I requested a refund online on XXXX XXXX, 2020 ( I have a screenshot ). Meantime, I also filed a dispute with Chase in late XXXX, 2020 as I did not receive the service through Chase online secure message system. Chase replied on XX/XX/ 2020 to request any supporting documents, which I faxed for several occasions up to the end of XXXX, 2020, including an email from XXXX confirming that a refund of {$280.00} was made on XX/XX/2020. However, Chase keeps refusing to refund me. All documents will be sent to CFPB upon request from Chase. I have all documents but too large to attach on this online form.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (GA)

Complaint:
Equifax told me that they " may '' have shared my social security number, information and financial and credit information with an unauthorized private individual due to their lack of proper security measures. My credit is now compromised as well as my private personal information. I have also started to have hundreds of dollars of unauthorized uses hitting my credit cards requiring me to cancel credit cards and go through repeated attempts at trying to challenge a large number of charges, having my financial stability put in jeopardy and my credit negatively impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Maximus Education, LLC dba Aidvantage (GA)

Complaint:
Potential fraud n identity theft from university, while using these loans n me never being enrolled, but the XXXX  semester of XXXX, and Thats all. Wow. Pls look.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
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:
XXXX XXXX # XXXX is reporting lates in XX/XX/XXXX and XX/XX/XXXX. I was never late. What happened was that I had paid them online and did not realize that the payment had not gone through until they sent me a notice about it being late after the two months had passed. The first thing I did was pay it. This is not my fault and I did not know about the payment not going through until it was too late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
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: Experian Information Solutions Inc. (UT)

Complaint:
On XX/XX/2018 I got a notice from Experian that my Credit Score had changed. I logged in to see what had changed and why. My Credit Score had dropped with no explanation for a drop. No late payments, no credit inquiries, no new or closed accounts, no changed status to any accounts ... I could see no reason for the drop. At that time they showed my new dropped Credit Score at XXXX. Experian advertised " Credit Matched '' credit card offers matched specifically to my credit. I thought that if I qualified for a bank credit card that seemed acceptable it would help my credit score according to Experian, as not having a Bank Issued Credit Card lowers my overall score. So, since they have " Credit Matched '' offers specific to my credit, I can't really lose. I found a Credit Card offer that was offered by Experian specific to my Credit from XXXX XXXX for the XXXX XXXX XXXX XXXX. I applied. I was turned down. When I got the letter of explanation from XXXX XXXX they state that Experian submitted my credit score showing it as XXXX. Why is Experian showing me a score of XXXX and showing others my score is 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 2018-07-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (CA)

Complaint:
This is the second time I have filed a complaint with the CFPB regarding Wells Fargo Dealer Services ( WFDS ). This is also the second time I have made a monthly car loan payment to WFDS. The first complaint filed was regarding WFDS improperly applying my monthly over-payment as a payment carry-over ( held as a reduction against future payments ) instead of a direct pay-down of my principle owed. Last month, after my complaint to CFPB WFDS made a payment reversal and correctly applied the payment. This month, WFDS is incorrectly applying my payment again. They are capping my monthly payment and treating the amount over their cap as a payment carry-over to future payments instead of a direct pay-down of principle owed.

I received a call from WFDS shortly after my first complaint and requested that all future over-payments made to the account be applied directly to outstanding principle owed. WFDS agreed to make the correction but said they can not promise it would not happen again. It has occurred again so I am filing another complaint. I will continue to do so until WFDS correctly applies all future over-payments as direct pay-downs of principle owed. I also received a letter from WFDS indicating that someone from the " WF Office of the President '' would contact me. A representative reached out to me and left me a voicemail with their contact information. I have called the WF representative back twice and left two messages with ways to contact me. To date I have not received a call back. 

Thank you in advance for any help you can give me.

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 2020-11-15
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. (FL)

Complaint:
Good evening, To whom it may concern, I paid XXXX XXXX double mortgage payment for the month of XXXX. My account was recently transferred and my previous company sent XXXX XXXX a paid mortgage payment on their end and I paid a full payment in my end as well. When I spoke to a representative, they mentioned that the payment was in the principle account and would be transferred for my XXXX or XXXX payment. I was a new transfer to XXXX XXXX and received minimal assistance with my double mortgage payment issue. The representative mentioned that due to current COVID-19 policies, they would not report any late payments, especially since I already have the payment in the principle. They took a long time to transfer the payment and after numerous calls, the mentioned they there were delayed with servicing everyone. The late reporting on my credit report should have never occurred. I also did not accrue any late fees which means my payment was not considered late on their end. The representative reassured me that credit reporting would not occur due to seeing the funds available for transfer. I am disputing to have the report removed from my credit. They were very slow to assist but reported a late payment after I was told that they would not have under COVID-19. My credit has dropped 80 points and I would really appreciate the assistance.

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 2023-05-29
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. (MD)

Complaint:
XXXX XXXXXXXX Account Number XXXX 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 an account without my written instructions. 

CFPB has already investigated and results were to be removed off XXXX XXXX my credit report however its is still showing on XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16
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. (CT)

Complaint:
There is an account showing on my report from XXXX  XXXX XXXX. : account # XXXX. It is showing as PAID IN FULL but also as a CHARGE OFF! The account was NOT VERIFIED! I would like to have the item removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (MD)

Complaint:
I paid off my car note with Westlake Financial in XX/XX/2020. However, since that time they have actually been reporting that my account has been late, and still show that I have a balance owed. I even have a letter directly from Westlake that shows I have no balance left on this account, and that it was paid in full in good standing. I am not sure what the problem is in regard to why Westlake is unable to report this account accurately, but I have now waited nearly 4 months for their company to properly update my credit report. The account number is 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 2018-11-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Complaint:
In XX/XX/XXXX, I got out of the military and opened different lines of credit as I continued my career in the civilian sector. On every credit account that was opened, I also opted in to the " XXXX insurance '' on said accounts to ensure that I was covered in the event of XXXX. This includes two debts from portfolio recovery in the amounts of {$390.00} and another for {$3100.00}. This year, I underwent a XXXX that caused me to become a XXXX XXXX XXXX  XXXX Veteran. Upon becoming XXXX, my Wife contacted the original creditors in order to implement the XXXX protection on my accounts. I have asked Portfolio Recovery repeatedly to verify that there was no XXXX insurance on my accounts, as they are trying to collect on a debt that was covered. I have disputed with the credit bureaus and asked them to show this information and they have not- to date, yet continue to report negatively. I was never given any notice of the debts before they showed up on my credit report and then why I asked for validation because I knew I had XXXX insurance, the request was simply ignored. I only learned of the amount claimed that I owe, based off of my credit report. Today, XX/XX/XXXX- I logged onto the portfolio recovery website and clicked " live chat ''. I asked if the debts were cleared up and was told that I had to call in. I have XXXX issues that prevent me from taking deep breaths, but have to call in to speak to a rep to try to resolve this from reporting? That is absurd. I am trying to resolve any credit issues that I have, but this company refuses to help me do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
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. (NC)

Complaint:
inaccurate information is being reported on my credit report with XXXX XXXX Transunion on the below accounts. i submitted a written dispute on XX/XX/XXXX via usps mail and have yet to get a response of any kind, they continue to report inaccurate information that is effecting me from obtaining credit. the accounts are below. 

XXXX XXXX - acct # reporting on Transunion shows XXXX - Acct # reporting on XXXX XXXX both inaccurate and do not match. 2nd reporting issue is they are still reporting ( payment history ) and this account has been closed since XX/XX/XXXX. XXXX XXXX Transunion continue to report inaccurate which is against FCRA consumer law. 

XXXX - acct # XXXX submitted first dispute on XX/XX/XXXX no response, this account is reporting payment history inaccurate as well, back in XXXX XXXX XXXX i paid ontime and XXXX reported that but XXXX reported " CO '' how can i be on time and late at the same time? they both reported this way from XXXX XXXX XXXX all the way to XXXX XXXX XXXX. 

XXXX XXXX - acct # XXXX - submitted first dispute XX/XX/XXXX the " Account Status '' is being reported wrong/inaccurate by XXXX &  Transunion , this account was PAID IN FULL XX/XX/XXXX and all XXXX comments state that it was paid but XXXX & Transunion reporting account status " Derogatory status '' which is totally illegal and inaccurate. they are in violation of FCRA this must be updated or account deleted at once. i havent gotten any response from either credit agency.XXXX is the only one that reported accurately with " paid '' in account status. this is effecting me from obtaining new 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 non-monetary relief
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (IL)

Complaint:
Show late payment on my credit report was never late XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

Complaint:
On or around XXXX17 I noticed a account from XXXX XXXX XXXX # XXXX, # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, I do not recognize this account as being mines. I have no contract information or any paperwork for my review. I believe these accounts are in error please delete.FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY please follow up in writing the This is the second time I have filed a complaint over this issue.

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 2023-08-07
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:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 2020-05-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CIBC BANCORP USA INC. (NY)

Complaint:
I opened a new account with XXXX XXXX ( Online Agility ) on XX/XX/XXXX. The advertised rate on that day was 1.45 %. When the account funded on XX/XX/XXXX on completion of the test deposits, the interest rate was lowered to 1.35 %. I tried to stop the opening transfer, close the account or withdraw the money and they told me I could not do any of these or have access for 30 days even though they changed the rate from the one advertised and the amount is less than {$5000.00}. This is false advertising, and they should not be allowed to do business this way. I just want to access my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (FL)

Complaint:
Ally financial has promised since covi19 to work with me since i am struggling making payments on loan # XXXX and loan # XXXX their # XXXX they got covi relief help from President to help customers who are struggling like me, they promise to put missed payments at end of my loans. they havent send me a new statement with balance. They did try to REPOSSED BOTH trucks, as of XX/XX/2021 they call me to harass me and I also filed claim w/state attorney general cause she said lenders cant go after customers who are not paying due to covi 19, they are by law supposed to work with me on this issue. Ally has not do that. XXXX XXXX at XXXX XXXX XXXX XXXX fl XXXX email 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