hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-05-28
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: VW Credit (CA)

Complaint:
I have a XXXX XXXX XXXX XXXX. The end of lease is XX/XX/XXXX 2021. I would like to sell the car outright. At the time I leased the vehicle, I made sure to inquire that there would be no penalties or fees should I want to buy or sell the car prior to the lease being up. I was told there would not be by both the salesman and finance department. My payoff is a little over {$17000.00}, I was made an offer on XX/XX/XXXX/2021 for {$21000.00} by XXXX XXXX. My husband took the vehicle to VW to see what they would offer and was told that if we sell the car to a 3rd party, and not buy the car outright first, the other company will have to pay them {$21000.00} for the car, which is market value. I said I was not told this when I leased the vehicle, nor did the payoff quote say anything about if I purchased it outright or someone else wrote them a check- there is no transparency and basically VW Credit is taking the money from their customers and using NO transparency to do so. Had I gone and accepted the money from XXXX  XXXX, I would have owed VW credit more than I could sell the car for. I was lied to by their sales people to get me to lease a vehicle and I am being cheated out of almost {$3500.00}. I have spoken to VW credit and they will not do anything about it. The only difference is that someone else would right them a check for the payoff. This is truly stealing from your customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
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. (FL)

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2023-01-10
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. (PA)

Complaint:
I WOULD TO LIKE TO FILE A COMPLAINT AGAINST EXPERIAN. THEIR NEGLIGENCE HAS CAUSED ME SUFFERING AND TARNISHED MY REPUTATION. I HAVE ATTACHED EVIDENCE FOR MY COMPLAINT, WHICH GOES INTO FURTHER DETAIL. MY RIGHTS HAVE BEEN VIOLATED NUMEROUS AMOUNT OF TIMES. EXPERIAN HAS SHOWN NO EFFORT NOR CARE FOR THEIR WRECKLENESS.

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 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (WI)

Complaint:
I contacted this company a couple years ago informing them that I didn't open this account in my name and after an investigation it was determined that I had to pay for the charge which I did. I don't think that was fair, but I did and I was told that the charges would be removed. Please remove the charges off my credit report as I did not open this 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 non-monetary relief
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION (PA)

Complaint:
M & T Bank is reporting to XXXX that I had a returned transaction on XX/XX/2022 in the amount of {$0.00} and the reason is " other item ''. The phone numbers that are being reported are incorrect. I've never had either of these numbers

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 2020-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Complaint:
We have paid already to XXXX  XXXX  a debt collector FROM CAPITAL ONE. I attached proof of payemtn with letter from XXXX  XXXX. 

Can you take it off my credir reportp please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXXXXXX 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 2020-01-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

Complaint:
XXXX continues to ignore my disputes and not fix the problem. I have repeatedly disputed some of the items over and over and over again. To no avail, even with proof the account is inaccurate, they simply send an Email stating the investigation is complete, when they are not investigating accurately AT ALL. Specifically : On XX/XX/2019 : I disputed : XXXX XXXX, # XXXX and it states it is accurate when in fact it is not. This is a sold debt that was in fact closed on with XXXX with no monies being owed to that party, as I was not in a contract with them. Further, this account is being reported as if its a new debt and in fact it is not. Lastly, I have RECEIVED NO communication from XXXX XXXX about this debt- AT ALL. 

On XX/XX/2019 : I disputed : XXXX XXXX, # XXXX. This car was totaled in an accident and the car was paid off by my insurance agency, XXXX XXXX and there was NEVER a late payment. In fact, the car was paid off 7 days after the accident. I DO NOT CARE what XXXX XXXX  tells you it is proof of this with the XXXX PD and of course XXXX XXXX. It remains inaccurate on my report and you have NOT done due diligence according to FDCPA. 

On XX/XX/2019 : For the 5th time- I disputed : XXXX  XXXX # XXXX. I still have my XXXX XXXX account open and this {$77.00} is incorrect. 

On XX/XX/2019 : I disputed : XXXX XXXX # XXXX There was NEVER a late payment with this account. I received a 2 month forbearance due to dealer tag and title paperwork to tag the car was not sent to me in a proper timeframe upon purchase of the vehicle ( of no fault of my own ) XXXX is aware and I have documentation of proof to show ; Payments have just resumed. 

Lastly : on XX/XX/2019 : I disputed : XXXX XXXX # XXXX : I have no knowledge of this company, I have not received any debt collection information from this company and further the debt in question is not mine! How is it this information can just appear on my report without any knowledge to me of the who, what, when, where or why? 

XXXX  and the companies aforementioned are direct violation of FCRA.

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 2022-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Complaint:
This letter is concerning Information contained in my consumer reports. Under 15 U.S.C. 1681c no consumer reporting agency may make any consumer report containing accounts placed for collection or charged to profit and loss 15 U.S.C. 1681a sec 2 sect a section i states, any report containing information solely as to transactions or experiences between the consumer and the person making the report ; should not be on credit report. 

Transunion is still reporting my transactions and experiences without my permission.

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 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: U.S. BANCORP (CA)

Complaint:
This is in regards to a recurring series of unauthorized " Analysis Service Charges '' made by US Bank on my checking account. Total unauthorized charges to date total : {$80.00}. The recurring charges have not stopped despite promises from bank representatives that they would. 

I first noticed the charges in XX/XX/XXXX. US Bank had been charging an unauthorized recurring $ XXXX monthly charge dating back to the beginning of XX/XX/XXXX. I called a customer rep to inquire as to the nature of the charge. Despite several transfers, no bank representative could explain the charge. At the the time ( XX/XX/XXXX ) they agreed to refund the charges. Though no less than 10 charges had been made, US Bank refunded only 6 of them. I chose not to challenge the difference since they promised that the recurring charges would no longer occur. 

Then, in XX/XX/XXXX, I noticed on my statements that the recurring charges had actually continued to be assessed for the months of XX/XX/XXXX throughXX/XX/XXXX. I called again with the same outcome : they refunded the charges and promised that the charges would stop. ( Again, they could not explain what was causing the charges. ) Today ( XX/XX/XXXX ), I see again that the charges have in fact continued for XX/XX/XXXX and XX/XX/XXXX.

I would like to log this complaint with the CFPB so it can be analyzed with other complaints in regards to unauthorized recurring bank fees by US Bank upon its customers.

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 2017-11-16
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ALLY FINANCIAL INC. (OH)

Complaint:
Ally Financial is the company I get the loan through for my vehicle. They started out by calling myself and the co-owner of my vehicle non stop. I asked them to remove all numbers and stop contacting us. They continued to anyway so we were forced to block them on our phones. Now they have taken it upon themselves to locate the phone number of my co-owners mother, whom we never provided a number for or authorized them to speak to. Last week I called them again and asked them not to contact anyone yet they keep calling her. They are speaking to her about my loan which she has nothing to do with. I need this collection practice to stop.

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 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

Complaint:
on XXXX I sent a 3rd round of letters to all Credit Bureaus demanding to comply, investigate and delete inaccurate information that is finically costing me defamation. It is now 60 days later with no response and deletion of inaccurate results on my credit report I demand that all items be deleted due to the violation of the FCRA.

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 2021-12-01
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: DISCOVER BANK (NY)

Complaint:
These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

Identity Theft XXXX Account Number : XXXX This is not mine XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

. DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

. XXXX XXXX XXXX Account Number : XXXX This is not mine. 
. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC. (FL)

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

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 2022-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: VALLEY NATIONAL BANCORP (NJ)

Complaint:
I deposited a check on Saturday, XX/XX/2022. On XX/XX/XXXX, I checked the account online and the check cleared, everything looked normal. I tithed on the check using XXXX. The next day, XX/XX/XXXX, my debit card was denied at the supermarket. 
When I spoke with XXXX at the bank, she asked what the check was that I deposited, I asked to speak with the Manager. After I arrived home by bus, I called and spoke with the Manager, who disparaged the check, saying it looked fake, and questioning the city in Maine where it originated, he insisted I received a voicemail message on XXXX  XX/XX/XXXX, but I didn't. 
XX/XX/XXXX, I spoke in person to another bank Manager who called the Manager of the first bank, he asked if I was expecting the check and if I knew the amount, I affirmed both. He told me it could take 10 days to clear the check. 
XXXX  XX/XX/XXXX, I went in person to the first bank and showed the Manager the check stub which he made a copy of. He stated he would contact the fraud dept and my account would be open by XXXX  the XXXX, he took my phone number and said he'd call me on XXXX. No call came. 
XXXX  XX/XX/XXXX, I called customer service, who said they would transfer me to another dept, then didn't, saying I had to speak with the bank. Later I left message with the bank Manager who returned my call saying he would contact the fraud dept. and give an answer to me by XXXX XXXX  that day. He called and said my account was not opened and he disparaged the check again that it has misspellings on it. I stated I do not have a copy of the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Complaint:
I have reached out to the bureaus on XX/XX/2020 and I haven't received any type of indication/notification of the investigation being worked on. I feel like i'm being taken advantage of at this point. I notice according to the FCRA these inaccurate unverifiable items must be deleted immediately. It's been well over 30 days I just want these problems resolved.

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 2018-10-27
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. (IL)

Complaint:
In XX/XX/2018, I had a secured XXXX XXXX credit card that I have maintained for over a year. A few days following, one of the credit bureaus filed an alert that stated that my XXXX XXXX application was fraudulent, which prompted XXXX XXXX to close my account followed by a phone call from them to inform me of the closure of my account. I was extremely livid about the action. My credit score and report suffered as a result of this action. I filed a complaint with the Fair Credit Reporting Bureau against all three bureaus because I did not know which bureau filed the false claim on my account. XXXX and XXXX replied to the complaints in a timely manner, stating that they did not make a claim of my account being fraudulent. But Equifax never replied, hence discovering who had the most probable cause with committing this transgression against me and my credit standing. I tied reaching out to Equifax on multiple occasions by phone and and online, but no one bothered to reply. I filed a claim against Equifax with the Illinois Attorney General 's office, but after a few months of waiting for a reply from Equifax and only receiving one reply from the, which probed me for additional information, I was unsatisfied with their response. The Attorney General 's office closed my case because they claimed that there was not much of anything else that they could do. Now, I am seeking damages for Equifax 's actions that damaged my credit score and report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NJ)

Complaint:
I am XXXX years old and graduated from XXXX XXXX University in XXXX of 2011. I have been struggling with student loans since I graduated. I had to move back home in order to pay the extremely high monthly payment. I have cut every cost possible, I even avoid going to the doctor or dentist if at all possible. There are no other costs to be cut except for gas and food and I need to eat and I need to drive to work. My car recently broke down and was unable to make all of the payments on it because my student loans cost so much. I have called Navient multiple times trying to resolve this issuing stressing my financial hardship. How when my car breaks I ca n't afford to fix it, when I 'm sick I ca n't afford to go to the doctor ... it 's no way to live. They offer to " help '' me with an interest only payment plan or extending my loan another XXXX years so that way I can pay even more money on my XXXX, XXXX, 11 % interest loans. I declined these offers to " help '' because they are no help at all. I stress the fact that I want to remain a good borrower but I am unable to live life and fix my car let alone go to the doctor for my own health because I can not afford it. I was lied to by being told I have to be late with payments to be eligible to lower my interest rates. Then when I asked multiple different representatives what hardships one who qualifies for the reduced rate program must face I was never given a response and told they can not discuss that with me. As I cried countless times on the phone and asked to speak to someone who can help me and not talk down to me as if I was an idiot I was either given nasty responses or hung up on. I can not go on like this. I want to work with my lenders but they are refusing to work with me and at the very least treat me like a person.

Company response to consumer: Closed with explanation