hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-03-31
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. (VA)

Complaint:
I am writing this letter to report that my former bank, Chase Bank refused to investigate the evidence / supporting documents I have about a transaction that shouldnt have been applied to my account. Chase reported me to credit Bureaus as delinquent. 
Here are the facts : On XX/XX/2020, I booked a flight from Washington, DC XXXX ( XXXX ) to XXXX, XXXX ( XXXX ). The flight was scheduled for XX/XX/2020. I paid for my flight ticket using Chase Credit Card the amount of {$700.00} on XXXX XXXX On XX/XX/XXXX, due to the corona virus pandemic, the XXXX XXXX published a list of countries that are not allowed to visit XXXX and USA was one of them. Americans were banned from travelling to XXXX. 
The travel agency and the airlines both absolutely refused to refund my ticket, even though it was completely useless! 
While I was stranded overseas, I contacted Chase twice via online banking to dispute the transaction. 
I contacted Chase Bank to file the dispute via the online platform they set up for this reason. The was a limited number of spaces to explain my concern. There was no way to upload any documents and the only other way to contact Chase was to sending them a fax or give them a phone call while I was stranded overseas with limited access to technology. I left messages on the Chase bank platform and requested an email address where I could contact them. I also requested to have the result of their dispute sent to my email because I did not have a physical address in USA at the time. I was overseas for 7 months. 
Chase ignored my requests repeatedly. I managed to make an overseas phone call and contact the bank ; however, they keep ignoring my request and saying that my documentation had not been sent. ( Please see attached copy of the documents that I have ). 
While I was overseas trying to contact Chase regarding the dispute I had filed, Chase was trying to contact me regarding payment. There should not have been a payment, this charge should never have been processed. 
One month ago, when I came back to USA I went to a Chase Bank branch and they called the credit card branch. I was told that they can not open this dispute again because its too late! Basically, the information I have provided has been ignored. 
I am still disputing this transaction and therefore I am asking that any item or information reported by Chase Bank to Credit Bureaus be removed from my account until true diligence can be performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
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 — Investigation took more than 30 days
Company: BUCKEYE FINANCIAL SERVICES OF ALLIANCE INC. (AL)

Complaint:
I was co-signing with a friend. The man who was assisting us took down my information and said he would be right back. When he came back he said no I couldnt do it. My credit score is too low. This is XX/XX/2021. They ran my credit 19 times. Thats ridiculous! 19 times on each of them!! You ever go to XXXX XXXX in Alabama, theyre is a dealership called XXXX XXXX. They are right off the highway. Thats XXXX XXXX the way they did my credit!

Company response to consumer: Untimely response
Consumer complaint received 2022-10-06
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. (VA)

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 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 2018-07-23
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. (CA)

Complaint:
Recently checked my score, hoping to see that it changed for the better after I paid off a bill and got new credit card.Instead I see my credit score was a XXXX. Literally.I can not get no one to explain it to me.I see the bill I paid off completely is on there twice! All this is happened this year.

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 2021-05-01
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. (CA)

Complaint:
In XX/XX/XXXX, my fico 8 score was a XXXX. I had 3 soft pull inquiries from 3 financial institutions ; XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX  XXXX XXXX, which raised my score by 15 points. XXXX XXXX, XXXX, I applied for a XXXX XXXX credit builder account ; I made early payments 2 times in 2 months and was promised my fico 8 would raise by XXXX points if it was not subprime ; little to no credit at all, but was only rewarded 30 points total. XX/XX/XXXX, I started working full time and had the utilities that are accepted by Experian boost put in my name. Experian boost promises to build your fico 8 by 6 points each streaming service, cell phone services, and utilities. I purchased all 6 streaming services ; XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX, and my fico was supposed to be raised by 36 points. XXXX and XXXX  XXXX are the only utilities Experian boost accepts to boost ; 12 points. I also have 2 cell phones with XXXX  and XXXX  ; 12 more points with Experian Boost. I also have a XXXX  debit spending account, which promised to raise my fico 8 by 35 points. I recently opened a 2nd XXXX XXXX account on XX/XX/XXXX, which promised to build my fico 8 by 45 points if an account is {$1100.00} in good standing by the sixth month. XX/XX/XXXX, is the 6th month and my score of 8 has not been reported on my Experian by the FCRA yet. XX/XX/XXXX, I recently applied for 2 credit-building accounts ; XXXX and XXXX. XXXX is to build my fico by 45 points within 6 months ; XX/XX/XXXX with Experian. XXXX builds by 45 points with XXXX  and XXXX  XX/XX/XXXX. Due to the Covid 19 Pandemic, XXXX states no penalty for not being able to pay your bill ; the 1st time I have heard anything like this. Due diligently, XXXX helped me find the answers to a lot of the financial literacy questions I have. Experian customer service representative named XXXX, told me nothing was resolved. 

XXXX Starting Fico 8 15 3 financial institutions 30 1st XXXX XXXX  Credit Building Account 12 2 utilities ; XXXX  XXXX/XXXX 12 2 cell phones ; XXXX/XXXX  35 XXXX  Spending Account Debit 36 6 Streaming services ; XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX = XXXX 45 2nd XXXX XXXX Credit Building Account = XXXX By XX/XX/XXXX ; the 6th month 45 XXXX Credit Building Account by 6th month ; XXXX XX/XX/XXXX = XXXX By 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 explanation
Consumer complaint received 2020-01-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc. (IL)

Complaint:
On XX/XX/XXXX I submitted a request for SCRA benefits due to my Home of Record being Louisiana- a Key Provision state- to Consumer Portfolio Services. I submitted orders and asked if anything else was needed and received no response. Two weeks later I was told someone named XXXX had denied me. I used the chat function to speak with XXXX who reviewed my account and the laws with management who then said I was approved and my account would be processed for the lower interest rate that day, XX/XX/XXXX. On XX/XX/XXXX I was told XXXX again denied it. I have emailed, called, and left a voicemail for this person and can not get a response. Today XX/XX/XXXX I decided to chat again and was told it was under review because my documentation submitted didnt have an ending date of XXXX XXXX so my request is now under review. I am still XXXX XXXX and this loan was taken out in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
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. (MD)

Complaint:
I have sent disputes and notifications to the credit bureaus in XX/XX/2020 and have not heard anything from them. XXXX, Equifax, and XXXX  continue to report accounts with incorrect amounts, incorrect dates, unauthorized and unverified information on my report. I sent several letters requesting that they remove incorrect versions of my name and incorrect addresses but they continue to violate the FCRA by knowingly reporting this incorrect data. 

XXXX, XXXX, and Equifax have not responded to my requests sent in XX/XX/2020 requesting that they comply with my request for investigation and resolution. This is a violation of the FCRA. They have not updated their reports to show that the accounts have been disputed. They continue to report addresses that I've never lived in. They continue to report accounts that are older than seven years old. They continue to report unauthorized inquiries. 

None of the companies have provided verifiable proof of authenticity from any creditor. 

I have sent letters on XX/XX/2020, XX/XX/2020, and XX/XX/2020. They are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Complaint:
On Monday, XX/XX/2021, I attempted to withdraw {$1000.00} from my savings account at an ATM on XXXX XXXX in XXXX, OH. XXXX through the transaction, during a loading screen, the machine hung on the loading screen for multiple minutes before crashing to a black screen, resetting, and not dispensing the funds. I contacted the bank and got a dispute opened immediately. The temporarily refunded the funds, but on Thursday XX/XX/XXXX I received a letter telling me that my claim had been denied and the funds were removed from my account. 

I called the number on the letter and the customer service representative could not tell me anything other than the " ATM was balanced, but it's possible they counted the wrong ATM. '' She was not able to provide documents used as evidence, nor footage from any of the multiple cameras in the area of the ATM. The only thing she did was collect more information and re-open the case, saying that it may be another month or two before I hear from them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
Company incorrectly used my information hindering me from gaining 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 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2023-07-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

Complaint:
I AM A VICTIM OF IDENTITY THEFT. I AM FILING THIS COMPLAINT FOR MYSELF TO REQUEST THAT YOU BLOCK THE FOLLOWING INCORRECT INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS FROM. 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. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM 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 explanation
Consumer complaint received 2022-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
n accordance what the fair credit reporting act XXXX Account XXXX XXXX has violated my rights15 u.s.c 1681 section 602 A States I have the rights to privacy 15 u.s.c 1681 section 604 A section 2 : it also states a consumer reporting can not fumish a Account without my written instructions n accordance what 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 : its also says a consumer reporting agency Can not furmish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (UT)

Complaint:
The collection company calls multiple times a day. They have now started blocking their number in order to trick me into answering the phone. Just the last couple weeks here is a call list. This has been going on for longer than 6 months. I have asked them repeatedly to stop blocking their number as well. 
XX/XX/23 @ XXXX XX/XX/23 @ XXXX XX/XX/23 @ XXXX XX/XX/23 @ XXXX XX/XX/23 @ XXXX XX/XX/23 @ XXXX XX/XX/23 @ XXXX XX/XX/23 @ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 requeseting to update and correction of these suspicious accounts I found on my Credit Report. Upon reviewing a copy of my updated credit Report, the previously disputed accounts are still reporting erroneous information on my Credit File. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaints, and I'm including them again. XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$400.00} ; XXXX  XXXX XXXX XXXX Balance {$600.00} ; XXXX  XXXX XXXX XXXX Balance {$7200.00} ; XXXX XXXX XXXX XXXX Balance {$1000.00} ; XXXX  XXXX XXXX XXXX Balance {$3600.00} ; XXXX XXXX XXXX XXXX Balance {$6400.00} ; XXXX XXXX XXXX XXXX Balance {$4600.00} ; XXXX  XXXX XXXX XXXX Balance {$3000.00} ; XXXX  XXXX XXXX XXXX Balance {$6100.00} ; XXXX XXXX XXXX XXXX Balance {$5700.00} ; XXXX XXXX XXXX XXXX Balance {$2900.00} ; XXXX  XXXX XXXX XXXX Balance {$2800.00} ; XXXX  XXXX XXXX XXXX Balance {$4200.00} ; XXXX  XXXX XXXX XXXX Balance {$2800.00} ; XXXX  XXXX XXXX XXXX Balance {$2300.00} ; XXXX  XXXX XXXX XXXX Balance {$1100.00} ; XXXX XXXX XXXX XXXX Balance {$2800.00} ; XXXX XXXX XXXX XXXX Balance {$250.00} ; XXXX  XXXX XXXX XXXX Balance {$5800.00} ; XXXX XXXX XXXX XXXX Balance {$3200.00} ; XXXX XXXX XXXX XXXX Balance {$4100.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance {$1300.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$7500.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
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. (OK)

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXXXXXX Balance {$5300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (PA)

Complaint:
I reached out to Santander Consumer USA attempting to have my alleged debt with them validated back in early XXXX of 2021. The company then sent me out some documents that i reviewed and determined wasn't enough information to fulfill my request. I made the company aware of this determination, and they proceeded send me an identical set of documents. Santander never directly addressed my determination, nor did they cease collection therefore violating 15 USC 1692g ( b ). The company even went as far as repossessing my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (WA)

Complaint:
Company- Experian/XXXX/XXXX- XXXX XXXX XXXX XXXX. Account.XXXX . XX/XX/2016.This Company has been on my credit report for the last couple of years and has ruined my credit. Please CFPB investigate this company thoroughly and have them remove this negative item from my credit report as soon as possible. Thank you

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 2019-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (MN)

Complaint:
1 ) Elan has been conducting predatory lending practices. Allowed spending to go well beyond the limit, then started penalizing with fees, higher interest rates for being over-the-limit and for being unable to pay the high minimum payment. The resulting interest rates were exorbitant, usury and gouging. 

2 ) Charing late fees when the payment was received on-time, however I was unable to pay the full minimum due, even though 2/3 of the minimum was interest. 

3 ) The total owed as part of the XX/XX/2019 hardship arrangement contains high interest charges for the past several years, which was based on incorrect information provided by XXXX. I have been unable to reach anyone at XXXX to help correct the information. When addressing the issue with Elan, they refused to work with me until I mention that I was filing a report with CFPB.

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 2022-09-24
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. (NY)

Complaint:
I was looking through my credit profile on XX/XX/XXXX and trying to get my credit back in good standing. I noticed to inaccurate things that were fraud and never authorized by me. I got 2 hard inquiry XX/XX/XXXX by XXXX XXXX and one from XXXX XX/XX/XXXX. I never requested these cards/loans or did any type of business with them on that day that my score needed to be ran.

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