hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-02-01
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. (IL)

Complaint:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2022-03-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (TN)

Complaint:
Toyota Financial Services ( TFS ) has been attempting to draft payments for a vehicle that has been paid off/account closed for the last 3 months ( Pay off date XX/XX/2022 ). After consulting TFS, I canceled autopay, prior to payoff, and even closed my TFS online account as an attempt to resolve the continued billing on a closed account issue. Considering I have taken all available steps a consumer possibly can, I am referring this issue to XXXX, as well as the FTC and CFPB for review/resolution. 
Note : A review of XXXX  records will show this is a systemic issue with TFS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

Complaint:
I went to get gas yesterday with my XXXX card ending in XXXX. I was told that I could not make the purchase and I had to call the number on the card to find out why. 
Today I called XXXX Customer service at XXXX. First they could not find my account. Then they told me I hd the wrong account my account ended in XXXX not XXXX. I was then told that the reason that I could no longer make purchases was because I am due for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX payments in the amount of XXXX. ( its not even XX/XX/XXXX yet? ).  I asked him when was the last payment sent he said sometime in XX/XX/XXXX they received XXXX. I checked with my bank while on the phone with XXXX and found that a payment in the amount of XXXX was sent on XX/XX/2018 and received by XXXX on XX/XX/2018. I was told I needed to fax proof of that payment in. I said ok give me the fax number. The Representative would not give me the fax number and said my call needed to be transferred to a different department. 
I was switched to a gentleman that identified himself as XXXX XXXX # XXXX. I told him what happened and that I needed the fax number to show proof of payment. He said that as far as he was concerned that was not necessary as XXXX never received the payment on XX/XX/2018. I was told I needed to call my bank XXXX XXXX and they would have to handle it. He then went on to say I would have to pay the money. I told him to close my account. All this sounded strange so I called XXXX XXXX XXXX My Bank the payer and spoke to XXXX she told me that that was not the case the money had been paid to XXXX and I needed to take it up with them. So now I am am writing you the CFPB. I need to find out what happened to the XXXX that was taken out of my account and sent to XXXX and why XXXX never applied the payment. Please Help me resolve this issue. 
See attached my XXXX card and my proof of payment to them from 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 monetary relief
Consumer complaint received 2022-12-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: ZIONS BANCORPORATION (TX)

Complaint:
On XX/XX/2022 I, XXXX XXXX, went into Amegy Bank located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX to open a business account. I was assisted by XXXX XXXX who took my documents and a grant check that was awarded to my company XXXX XXXX XXXX for the work it does for the XXXX community through the Human Rights Campaign and Showtime. 

XXXX took all my documents and stated that she needed approval to open an account. So I said okay. XXXX walked to the back and return shortly stating that the account could not be opened because the Certificate of Formation documents were new and it would be three months before I could open the account which I found odd. 

So I left and called Amegy Bank and a representative searched and found the banking rules that said no such thing and called over to the bank while keeping me on hold. After several minutes the representative returns and explains how sorry she is for the inconvenience and hangs up. 

About twenty to thirty minutes I get a phone call from XXXX who states : I'm over sharing this but there has been a lot of business banking fraud and I was told to say that insinuating that I was there to commit fraud then tells me if I can produce documentation of where the large sum grant check came from she would gladly open the account which makes no sense because she just told me my documents were new and the reason. 

So at this point I knew it had nothing to do with my documents. It was about me, a hardworking African-American business woman coming into the bank with a huge check to deposit for my business that I and my business was awarded and earned and immediately being racially discriminated against. I broke down crying, disappointed and disgusted at her behavior and reached out to XXXX, an XXXX associate who took my complaint. Currently waiting for a follow-up call.

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 2018-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

Complaint:
OnXX/XX/2018 with experian, I have receive my Dispute results regarding 10 addresses that's incomplete or inaccurate on my credit report that was still not corrected. Also I was needing to remove additional discrepancies on my report as well. I've been trying to reach a customer service rep to address the issues by calling the different numbers they have on XXXX and got nowhere. Trying to speak with someone is impossible with experian and difficult.

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 2022-12-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (AR)

Complaint:
Okay so right before the week leading up to XXXX I was struggling financially and I made a post on social media asking for help, Shortly after say later that day a guy reaches out me and says the XXXX XXXX wants to help me but he couldnt use XXXX XXXX or third party payment apps, he told me even over the phone like very thoroughly explained it all and said he was sending my assistance over via e-check and I could have it in less than a few hours after I cash it, I was so excited and in need of food and groceries, gas etc I didnt realize it could be fake, why would a scammer pay someone else and not ask for anything in return so now here we are, and now I look like a bad person a scammer who purposely did it when I didnt the lady at CitiBank when I called yelled at me out of nowhere when I told her it wasnt me. Its a whole mess now

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 2023-07-20
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. (TX)

Complaint:
I acquired my credit report and ask the credit bureaus XXXX and make sure everything was complete and accurate according 15 usc 168i ( 5 ). I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agency which is TransUnion and XXXX didn't removed anything. They just sent it to a computer and didn't do anything. The date open is not correct date last active is not correct. They also have no ( no data ) which is not correct. Which is a violation. This impacting my life. I have attached a copy of my credit report. It has been past sevens years and they now it. XXXX to XXXX is sevens years.

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 2020-02-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R&R Professional Recovery, Inc. (MD)

Complaint:
I have not received any information from this company as to who or what this collection is for. I request that the collection agency verify and validate this collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: PNC Bank N.A. (VA)

Complaint:
XXXX -- tried to use credit card, charge would not go through, though it was within my credit limit and the card was not delinquent. 

XXXX -- PNC reduced my credit limit significantly. I want it raised back to what it was. My FICO score is good -- XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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. (FL)

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Complaint:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
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. (NY)

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The account listed below is still reporting on myCredit Reports and needs to delete immediately : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NC)

Complaint:
After the housing market bubble burst, my husband, XXXX, went from making XXXX figures to stick figures ... .i asked Navient/XXXX about my options ... they suggested forbearance. I was on consecutive forbearance since XX/XX/XXXX I believe because they said that was my only option. I began paying XXXX XXXX in XX/XX/XXXX and then Navient took over. I have tons of late fees and interest to where my balance is above what I borrowed. My account number is XXXX. My XXXX repayment plan i started is to end in XX/XX/XXXX. I can currently afford what I am paying now but in XX/XX/XXXX I '' m not sure what I will do. I have loans from XXXX at XXXX University XXXX Pennsylvania and for one year of tuition at XXXX University XXXX XXXX XXXX in XXXX Pennsylvania. Navient wo n't pull my payment history from the days when I was paying XXXX XXXX so I ca n't download that history of payment. At one point i owed just {$34.00}, XXXX ... now it 's {$43000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
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. (AZ)

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Delete this account. 

5. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
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. (IL)

Complaint:
In XXXX of this year, after unsuccessfully trying to contact the vendor, I called Chase to dispute charges for automobile service that turned out to be fraudulent. I was told that I would receive a request for information. When after more than a week, I had not received the request, I called again, and was told a request had been mailed earlier ( I had not received it ) but not to worry, another request was on its way. In response to that second letter, i sent documentation to Chase by uploading on its website. Chase then closed the dispute saying it hadn't received additional information. I called again and was told that the notwithstanding instructions in its letter, I had to mail or fax the information, not upload. So, Chase told me it reopened the dispute and I faxed some information in. Chase then denied the claim, saying in a letter that a significant amoiunt of time had passed, even though the reason so much time had passed was because Chase had mislead me about its process and how to submit information. So I called again, and was told that the denial of the dispute was because of information the vendor had sent in, not the passage of time. I responded that I had not been given an opportunity to respond, and asked for the information, and Chase then sent it to me. I then called Chase again to ask for an opportunity to dipsute the information provided, and i spoke to a supervisor who then told me that in her iew Chase had mishandled and mischaracterized the dispute and that she would send the claim for review with her recommendation that Chase credit the disputed amount to me because of the mishandling. She also said I should wait for about 15 business days to see what happens. I received no further information, so I called today and was told the review was denied almost a month ago, and Chase had no obligation to notify me about this. The dispute inovlves a vendor who misrepresented the type of parts to be used and then installed the parts incorrectly. This all is explained in the correspondence that is attached with all the dates etc. Chase has not processed this matter or dealt with me in good faitih but has deliberately tried to discourage me from exercising my legal and contract rights. The vendor 's response to Chase contains a number of falsehoods, but Chase has not provided me with an opportunity to respond. Chase claims that some time periods may have expired, but that was not what I was told in my first call in XXXX. And, Chase has waived any right to make those cliams by accepting and processing the dispute. Chase has an obligation to do so in good faith, which it has not done. Please see all the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION (FL)

Complaint:
To whom it  may  concern ; I am writing in regard to the referenced accounts and transactions.     This vehicle was repossessed by  NFCU  in the  State of F lorida on or about,   XXXX    , and resold on or about  XX/XX/2014   .   Under the laws of the State of ( State of Repo ) UCC  9.506 and   State  XXXX  and  XXXX  statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.   Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.   If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.   In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available  State and Federal s tatutes and  UCC 9  remedies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Complaint:
I have continued time in and time out to correct closed accounts account balances information being incorrect and each time its disputed its denied without properly reviewing particularly theres an account with XXXX XXXX that shouldnt even be on my report because the company did not follow the proper channels that the fair credit reporting act follows never received documentation never verified the debit was valid nothing even called the bureau today to see if I can get copy of the documents and no help so this is why Im filing this

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 2022-11-26
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (NC)

Complaint:
In addition to the effects of the pandemic : My income reduced to {$12000.00} per year. 
I am permanently XXXX due to XXXX XXXX ( XXXX  ) and XXXX. 
My husband is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 ). 
My biggest hardship is medical bills and medical mileage ( XXXX miles in 2022 so far ). 

Synchrony Bank filed charge-offs on five accounts XXXX days after the last payment. I have filed several disputes with XXXX stating the above hardships. They refused my requests. XXXX suggested that I speak with them directly in which I did. They still refused. After speaking with them regarding the dates of the payments versus the charge-off dates, I was locked out of the accounts. 

I have asked that the charge-offs are removed from my credit report not only for early charge-off, but with the assistance of the XXXX XXXX as well. 

I can not pay these debts and won't be able to in the future for the above-mentioned reasons. I also need my credit in good standing to avoid future hardship getting a car or housing when needed. 

Please help me! I have proof my the last payment dates for all five accounts.

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