hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (KY)

Complaint:
On XX/XX/2022, I attempted a mobile deposit of {$490.00} through the Truist app. It glitched several times and I never received confirmation of a deposit. I called Truist on XX/XX/2022 and a representative said it was not posted in pending deposits, it was not being processed, nor was it posted to my account. She recommended I wait an additional day. I waited, and when it hadn't posted, I called Truist again, on XX/XX/2022. During this phone call, the representative said it was not pending, processing, or posted and recommended I take the check to my local branch to deposit it. We experienced winter weather and I wasn't able to visit my branch until XX/XX/2022. At this time, I deposited the check and was told it would be credited Monday. On Monday, I call again ( to Truist ) and was told it would be Tuesday before my money was posted. On Tuesday ( XX/XX/2022 ), I woke up to an account that was overdrawn and the deposit had been posted and then removed from my account. After calling both Truist and my local branch, it was determined that the mobile deposit had posted on XX/XX/2022 ; however, I received no confirmation number nor did the two Truist employees I spoke with notify me of this deposit. Ultimately, Truist decided there was no fault on their part, because it had posted. However, they could not explain why two employees on two separate occasions after XX/XX/2022 couldn't tell me that the deposit had posted. The Trusit representative I spoke with today ( XX/XX/2022 ) explained that they couldn't see it because of processing times and they can not see processing deposits ; however, if the check posted on XX/XX/2022 as Truist states- why could the employees I spoke with on XX/XX/2022 and XX/XX/2022 not see the posted amount?

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 2017-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Complaint:
I looking over all  XXXX  of my credit reports and I seen accounts and companies I have never done business with, and according to the online credit report that I viewed, your credit bureau issued the report that was used to determine my credit evaluation.   Section  609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off of my Credit report I reviewed a copy of my credit report and am disputing all items that need to be deleted. The reasons why these items should be deleted are indicated below : 1.  XXXX    XXXX   XXXX   #  XXXX  Never  don  business with this company error please delete.    XXXX   XXXX   XXXX  #  XXXX  This was discharged in Bankruptcy and is listed wrong please delete.    XXXX   XXXX  #  XXXX  This account was paid and is listed wrong error please delete.    XXXX  #  XXXX  This account was  discharged  in Bankruptcy error please delete.    XXXX   XXXX  BANK #  XXXX  This account is FRAUD I have never had a credit card with this company ever.    XXXX   XXXX   XXXX   XXXX   XXXX  This account is listed wrong and dates and status are wrong please delete.    XXXX   XXXX  #  XXXX  This account was never verified please delete.

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 2022-12-08
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. (MI)

Complaint:
Originally on XX/XX/XXXX, I sent off the investigation letter to make sure all of my accounts were properly investigated, and to make sure everything was 100 % correct. The credit beaureaus stated that the date the account was opened was XX/XX/XXXX. That information is incorrect. This is grounds for immediate removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2. The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I have never given these accounts written permission to furnish these accounts on my credit report. This is illegal. I also never received a letter requesting proof of my social security number or acceptable documents with instructions on where to send them. Quite some time has passed since I originally submitted this complaint, I am asking that this account be removed 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 2021-05-17
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. (WA)

Complaint:
I am a victim of identity theft, I have noticed fraudulent inquiries on my consumer report, please see attached FTC report and remove the fraudulent inquiries please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
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. (CT)

Complaint:
I've never even been contacted by this people in the past. I have no idea who they are and never did any business with them ... Please delete this account and tell the company to be more careful on how they handle their reportin ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
I am a victim of identity theft. There are multiple fraudulent accounts on my credit profile from various companies like XXXX XXXX, XXXX XXXX XXXX, and XXXX CARD SERVICES. I demand that all negative/adverse fraudulent accounts are immediately and permanently deleted.

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 2017-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MI)

Complaint:
My income went down by $ XXXX in XX/XX/XXXX ( joint taxes filed with my wife ), and yet my student loan increased ( On Income Based Repayment, my loan payment increased from {$280.00} to {$530.00} - an increase of about 85 % more. They always ask for your Tax forms in XX/XX/XXXX ( instead of after XX/XX/XXXX, which would make more sense ), so since XX/XX/XXXX I have been calling them and trying to get them to explain this increase. The had me submit paycheck stubs, fill out paperwork 4 separate times ( one time an employee there filled out the paperwork " correctly '' and said all I had to do was sign it and mail it back in, but the next person said that paperwork was wrong ). I initially filed for the month deferment when I objected to the new payment amount, and they needed time to recalculate it. Now, after 5 months, no one is still explaining why my payment increased, but they say I am ineligible for another deferment because I already had one, so the choice is now pay the higher payment, or be penalized. The only nugget of information I got was that they calculate my Income Based Repayment based on the GROSS income ( so before taxes, social security, health insurance, etc. ). Every time I have called they state there is no supervisor that I can talk to. I 'm fed up with Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (MD)

Complaint:
On XX/XX/2020, Santander Consumer USA was charged with Predatory lending in a MultiState Lawsuit. In the lawsuit they were required to compensate consumers and loan holders with the following, but not least : 1. Santander to remove auto loan entirely from credit reports and credit bureau, per the settlement 2. Santander to forgive loans entirely, per the settlement 3. Santander to give consumers clear auto title, per the settlement 4. Other specific requirement in the lawsuit Maryland Attorney General Office communicated with me and sent my information to XXXX XXXX ( Consultant handling the Santander Settlement ) to be added to the settlement. When I call XXXX XXXX they claim that they do not have any information concerning me being on the Settlement and that I should contact Santander. When I call Santander, they state that I am not eligible for the settlement because I still have a balance. 

I did not see anywhere on the settlement lawsuit that consumers with balances are not eligible. It appears that Santander is not abiding by the lawsuit. And they keep sending me to AGs office and XXXX XXXX and back and forth, with no answers. 

However, Santander has removed the loan entirely ONLY on XXXX, but XXXX and XXXX, they have closed my account, but still show a balance. This is not correct according to the settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
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. (PA)

Complaint:
on several occasions I received letters and calls from collection agencies regarding accounts that DO NOT belong to me. my identity was stolen and used to open fraudulent accounts. I need this fraudulent information removed from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03
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: AMERICAN ADJUSTMENT BUREAU,INC. (CT)

Complaint:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnished an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Critical Resolution Mediation LLC (MO)

Complaint:
CRM Collections company called my family, who are NOT listed as responsible parties on ANY of my bills, and told them I had a warrant for my arrest and that I had to call them back immediately. Also called my work number repeatedly from different telephone numbers, even though the calls were from the same company

Company response to consumer: Closed
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Complaint:
I have 2 open cases with XXXX Fraud Department that is not being handled professionally by XXXX. My account was hacked and they changed mailing address and contact info in the system without my knowledge. This is an ongoing issue dating back from XXXX XXXX and separate transactions dating into XXXX. I opened a police report with the XXXX, NJ Police Department - XXXX ( Police Report Attached ). Case # XXXX. Detective XXXX XXXX Date Opened : XX/XX/XXXX. 

1 ) XXXX XXXX ( {$1000.00} ) - I never initiated the transaction to XXXX XXXX Case # XXXX on XX/XX/XXXX. I wrote to XXXX XXXX who provided no assistance. I then went to XXXX who is also not helping. It maybe a simcard swap issue as I never initiated the transaction or do not know this individual. 

2 ) Case # XXXX Acct # XXXX Fraudulent Transactions Below : XX/XX/XXXX {$99.00} XX/XX/XXXX {$4600.00} XX/XX/XXXX {$320.00} XX/XX/XXXX {$4600.00} XX/XX/XXXX {$4600.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$28.00} XX/XX/XXXX {$44.00} ( Possibly my XXXX XXXX Loan however debit block was lifted by hacker and shouldnt have been charged to this account ) The fraudulent mailing address that was used was XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, NJ . The XXXX XXXX XXXXd that the fraudulent transaction was sent to was $ XXXX who I do not know or had any interaction with. 

Please urgently contact XXXX and assist me with getting these fraudulent transactions cleared. I have since suffered medical issues due to the way its being handled by XXXX. Please note I am a victim of identity theft and XXXX is providing no assistance or evidence why they reject the claim. 

My last conversation was with XXXX XXXX XXXX XXXX XXXX ID # XXXX ) Citi Fraud Dept : XXXX -- -- -- -- -- -- -- -- -- FTC Case ID : XXXX -- -- -- -- -- -- - XXXX  Banking Dept Complaint # XXXX -- -- -- -- -- - XXXX Your Confirmation Reference Number is : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
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: GOLDMAN SACHS BANK USA (PA)

Complaint:
Since XX/XX/2022 I have consistently contacted XXXX and XXXX via telephone and written letters regarding unauthorized reporting on my credit report without my written consent that has violated my protected consumer rights. I have also contacted XXXX and XXXX XXXX XXXX inform them of this violation as well with no resolution. Neither one of the listed establishments were able to validate the reported accounts that included my wet signed sealed signature to confirm a contract. Rather than removing the violating information from my credit report, XXXX and XXXX closed the accounts. Furthermore, this inaccurate and unauthorized information remains on my recent credit report. There was no permissible purpose for the reported accounts and these accounts should not be furnished on my consumer report as they are in violation under 15 US Code 1681b and 15 U.S. Code 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (IL)

Complaint:
In XX/XX/2019 I received a phone call from XXXX XXXX stating she is going to handle my case from XXXX XXXX. She told me that and hung up. I didnt ask her anything or go into depth about anything. I received a letter today dated XX/XX/XXXX thanking me for speaking with her and that I requested for my card to be reopened. Neither are true and she lied about a letter being sent to me. XXXX wrote a letter that was basically a lie. She called to inform me she was taking the case and hung up! Nothing else was said or asked.

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 2022-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Education, LLC dba Aidvantage (TX)

Complaint:
Across XXXX accounts, there are XXXX late payments on each account for a total of XXXX late payments being reported on my credit report which are incorrect. The first was reported in XXXX of XXXX and the last was reported in XXXX of XXXX. Since my loan repayment began back in early XXXX, Ive had my account set to automatic payments to avoid any confusion or missed payments. Yet, here I am. Suffering the consequences of reporting that I would call unjust and inaccurate. Despite my many efforts to get in contact with XXXX ( my original loan servicer ) for answers and to try and rectify these errors, I was never given any reason or even any communication in response to my many certified letters. My countless disputes with the credit reporting agencies concerning the incorrect information have continuously been overlooked and all communicative efforts abandoned on their end. I have asked many times via certified letters for the error to be rectified or the account removed completely. I am not sure what else I can do, as these errors have cost me tens of thousands over the years and continue to leave restrictions on my life and financial well-being. It has made it difficult to obtain various types of credit as well as favorable interest rates. And, while I do not think its an accurate portrayal of my credit worthiness or ability to pay my debts, I am unsure of what I can do to rectify this situation. I am here asking for help with removing these late payments so that I can resume my life without the burdens associated to their negative repercussions. If the late payments can not be rectified, I at the very least ask that the accounts be removed from my credit report entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
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: The Thomas Agency, Inc. (ME)

Complaint:
Collection Account being listed. Collecting for a medical bill that was to be paid for by the VA, in regards to ongoing XXXX treatments.

Company response to consumer: Untimely response
Consumer complaint received 2016-09-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC (UT)

Complaint:
I can not contact a private lender listed on my credit report. The report states that I have not paid my loan, however, I can not contact anyone to see if the amount is accurate and how to make payments. The company is listed as " Younomics. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC (OH)

Complaint:
I have been receiving calls from Phoenix Financial Services, with the most recent being XX/XX/2019. When they call, now their number is showing up as " account services '' on caller ID. Seems like a form of entrapment. When I answer, they ask if they are speaking to ( my name ) and they do not disclose who they are unless I ask. I will then ask what they are calling in regards to, at which point they will not tell me unless they know they are speaking with ( my name ). Now, I have received calls from other debt collection agencies in the past who upon answering state who they are and why they are calling. Phoenix Financial seems like they are being deceptive and not forthcoming about their intentions, they do not even disclose that they are a debt collector. I had to look them up to find that out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (MA)

Complaint:
I closed my Citi Thank You Premier Credit card account XX/XX/2019. While closing my credit card account I was NOT told that the reward points would expire within 60 days of closing the card. As a consequence I lost over 50,000 ThankYou reward points. 

I called their customer service but they would not reinstate the points. I am quite certain that they did not inform me that the points would expire so I would like to get them 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 explanation
Consumer complaint received 2018-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Complaint:
XXXX is reporting a debt from a company XXXX XXXX XXXX and that debt has been paid in full.

Company response to consumer: Closed with explanation