hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance Corp. (AL)

Complaint:
I have been writing to Exeter Financial and the credit reporting agencies for months disputing the incorrect reporting that Exeter has put on my credit reports. Exeter is reporting late payments for months after my account with them was paid in full and closed. I received letters from Exeter stating that they are not willing to change their reporting on my credit report. This letter was sent certified mail with tracking # XXXX. I tracked the letter sent to Exeter to be sure that they received it. I have written to Exeter 's dispute dept, XXXX XXXX XXXX ( CEO ), XXXX XXXX ( President & COO ), and XXXX XXXX ( CFO ). Exeter absolutely refused to correct their reporting of this account. I have all the letters that i sent to them and all of the letters that they sent back stating that they would not correct their listing on my credit report. Under the Fair Credit Act this is illegal reporting and bad business practice. I have disputed this with XXXX, XXXX, and XXXX. I only get letters from all the agencies stating that the listing has been investigated and it is an accurate reporting. I know that this has not been investigated because it is clearly reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
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: SYNCHRONY FINANCIAL (TN)

Complaint:
I was charged more than what I owe. The amount they charged me is XXXX dollars this month on my Paypal Mastercard credit card. My last month due was XXXX on XXXX XXXX. 
My payment of XXXX dollars was returned. They charged me return fees of XXXX but refunded it. 
However they billed me XXXX dollars this month. I have not used this card after XXXX XXXX so this billed amount is wrong. I tried to talk to PayPal but they are not helping me. 

Also they made some fake charges on my account for example XXXX dollars charge. They made this charge serval time

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 2022-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC. (PA)

Complaint:
Over a period of 2 days in XXXX ( XXXX ), I had {$4100.00} debited from my account without my authorization. I contacted my financial institution, Robinhood, on the XXXX when I noticed all funds from the cash management ( debit portion of account ) had been depleted. 

All transactions have been to the same vendor and only minutes apart. The amount debited from the account range from a few dollars to a little more than {$40.00}. This was consistently done over the two days time. 

I have tried, in good faith, to get a hold of Robinhood and get the issue rectified. It is now early XXXX and I have heard very little from them, if anything. I have sent several emails, have tried multiple times to call on the phone and have spent multiple hours on the phone with little success. I can not get a hold of anyone that can let me know of the status of my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (TX)

Complaint:
I was contacted by XXXX XXXX XXXX collection letter dated XX/XX/XXXX I disputed the debt in my letter dated XX/XX/XXXX. XXXX responded in a letter dated XX/XX/XXXX, which I really am lead to believe it was a generic response or no real investigation was done about my dispute. On XX/XX/XXXX I sent XXXX my second dispute letter, they continued their collection activity in their collection letters dated XX/XX/XXXX and XX/XX/XXXX On XX/XX/XXXX XXXX 's letter told me they opened an investigation on my dispute letter. <P/>However, I applied for credit with XXXX and XXXX and they inquired into my personal credit report on XX/XX/XXXX and XXXX was reporting derogatory information about me during an open dispute investigation. I was denied credit by XXXX letter XX/XX/XXXX and XXXX letter XX/XX/XXXX. <P/>On XX/XX/XXXX XXXX letter notified me that they were no longer be collecting on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
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. (AR)

Complaint:
About the erroneous information I discovered on my credit report, I am submitting this complaint. The things in question have nothing to do with any purchases I made or gave my approval for. I have informed the Federal Trade Commission of the identity theft, and copies of the FTC 's Identity Theft Report are provided. Since I am an identity theft victim and my information was used to open these items without my knowledge or consent, I humbly request that you either immediately remove these fraudulent entries from my credit report with your company or tell me exactly where you got the information so I can take the appropriate legal action. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. Below is the list of the fraudulent items I found on my Credit report and I need you to have these items removed : 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 Balance XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX  Balance {$400.00} XXXX XXXX XXXX XXXX  Balance {$910.00} XXXX XXXX XXXX Balance {$820.00} XXXX XXXX XXXX XXXX Balance {$310.00} XXXX XXXX XXXX XXXX XXXX  Balance {$12000.00} XXXX XXXX XXXX XXXX  Balance {$330.00} XXXX XXXX XXXX XXXX  Balance {$1000.00} XXXX XXXX XXXX XXXX Balance {$320.00} XXXX XXXX XXXX XXXX Balance {$840.00} XXXXXXXX XXXX XXXX XXXX Balance {$580.00} Medical XXXX Balance {$190.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$3900.00} XXXX XXXX Inquired on XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX. Please comply with the Fair Credit reporting Act section 605b, and have the disputed items removed from my Credit File as soon as possible.

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 2018-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

Complaint:
Hello my name is XXXX XXXX I am XXXX years old right after I graduated high school I went to live on campus in college but unfortunately it didnt go so well because later I found out my ex roommate was using my name and my personal information under a lot of fake accounts which she is currently in jail because of her actions and facing years in jail for fraud I even have my police report Its been years since I contacted all the debt collection to let them know that it wasnt me my parents even hired someone to help me fix my credit I wasnt even XXXX years old by that time they told me they were going to fix everything but recently I was trying to purchase a car unfortunately I wasnt able to do that because of my credit and I decided to made XXXX account to learn more about my credit as I was checking I see it alot of old fraud infos fake errors on my account. one of them is PayPal it shows that I had a An account since 2015 with them but that time I wasnt even XXXX years old yet so I dont really understand how but its been three years since they have been reported me and another company Which is XXXX  XXXX they keep on reported me messing up my credit please help me get my identity 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 2020-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems (GA)

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (CA)

Complaint:
AES Success mishandled my loans in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and consolidated all of my lower interest loans into XXXX higher interest rate loan. 

AES Success also never removed late fees and penalties on my loans after consolidation. 

AES Success capitalized late fees, penalties and interest on interest into the higher interest rate consolidation. 

AES Success also failed to properly account for principal paydowns in years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, when I made multiple payments, most of which were directed toward reducing the principal balance. 

I suspect that my current loan balance is overstated by {$4000.00} to {$5000.00} because of too-high interest expense, because of penalties and fees that were capitalized and because of fraudulent calculation of principal and interest payments. 

I request that the CFPB conduct a comprehensive audit of my student loan accounts with AES Success. I first want my interest rate on the consolidated loan to be changed back to the lower rate initially offered to me by AES Success. My consolidated loan 's interest rate is at least 1 % too high. My rate should be much lower!!! 

AES Success mishandled, misadvised and fraudulently handled my student loan application. I have paid dearly for their unprofessionalism. 

I also want a comprehensive audit to calculate all of the late fees, penalties and interest that accrued on my loans prior to consolidation. I want all of the fees and penalties removed, since they were the result of AES Success ' mishandling. 

Lastly, I want a comprehensive audit to calculate the proper amount of principal reductions that should have occurred in periods where I made multiple payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Complaint:
I'm a victim of identity theft. I have been working with XXXX and the FTC. My checking account with Wells Fargo became overdrawn after someone tried to get payday loans and credit cards in my name. This happened before and Wells Fargo did nothing and just closed my account and opened a new one without investigation. This time I was afraid to bring my account current because the person might work for Wells Fargo. I found this out from a conversation from an outside source. The outside source may have misstated the information, but I could not risk it. I made deposits to bring the account to $ XXXX. I felt safe with this amount, while the investigation was going on. Then on XX/XX/2018 Wells Fargo closed my checking account and sent it to collections and reported it to XXXX XXXX XXXX, a consumer reporting agency When I asked Wells Fargo in new accounts my closed account is listed as a " Charge Off '', even though I called and paid in full today XX/XX/2018, and was told my account was never sent to collections. So now Wells Fargo sent to to executive section for an investigation because an employee might be involved. Wells Fargo can not investigate this issue, it needs to be assigned to an outside entity because I already know Wells Fargo will decide in their favor and not mine. I'm the victim.

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 2023-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-04-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Complaint:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
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. (IN)

Complaint:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
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:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX  2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX  9. XXXX XXXX 10.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 2022-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

Complaint:
The list of information and inquiries was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information and inquiries listed below : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-08-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (NY)

Complaint:
in XX/XX/XXXX I noticed the checking account was hacked. This was an account that was just collecting interest for years. I did not start monitoring the account until mom brought this to my attention. I closed the account in XXXX XXXX the account was hacked from XX/XX/XXXX to XX/XX/XXXX. Chase went all the way back to XXXX XXXX they haver a disclaimer stating that they only covered the first 60 days.my problem is the fact that the bulk of the money hacked was between XXXX and XXXX XXXXthe amount in question is over XXXX the account was hacked through XXXX XXXX In XXXX of XXXX XXXX XXXX sent me a letter stating they would return the money taken in XXXX but Chase would have to agree and. they did not. i enclosed paperwork that substantiates my claim. I hope you can assist because this was a joint account with my mom who passed away XX/XX/XXXX. Any assistance will be greatly appreciated. thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

Complaint:
Refuses to remove all inquiries. I have contacted the credit bureau multiple times explaining that I have contacted the furnishers of information they are reporting inquiries from and I have been able to get no where. I have not been able to get any factual evidence showing that the inquiries reported are mine. The credit bureau agency claims that they have validated the inquiries are factual. How can they determine something is factual when I can not?

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 2022-02-23
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Stellantis Financial Services US Corp. (LA)

Complaint:
In XX/XX/XXXX I was asked to be put on the fresh start program due to laid off due to work decline from COVID affecting the company I work. After being placed on the program I was informed by first investor financial that I wouldnt have a payment due until XX/XX/XXXX. I made payment arrangements to pay XXXX at the end of XXXX. I received a email from first financial on XX/XX/XXXX to contact them because my car may be up for repro referral. My car was repossessed at the same time I received this email not giving me time to resolved the issue at hand. The car was repossessed on XX/XX/XXXX. I was also told that my car was scheduled to be repossessed since XXXX XXXX. First investor financial took and processed a payment for me on XX/XX/XXXX and then told me on XX/XX/XXXX that they cant take payments from me since my car was repossessed after already taking a payment from me on XX/XX/XXXX. I was informed by a first investor financial collection at the end of XX/XX/XXXX that I was in fact in the fresh start program and didnt have a payment due until XXXX and another in 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