hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-09-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: VW Credit (FL)

Complaint:
XXXX was repossessed in XXXX XXXX, sold on XX/XX/2018, I also had GAP insurance thru VW credit XXXX I was never given documentation of the XX/XX/2018 sale, the gap insurance payment that i never received, the loan was also sold to a collection agency without my knowledge, and the damage on the right rear passenger door was also never reported to XXXX, and since has been sold two other times. when the car was repossessed it was holding family valuables which were never returned to me and stolen from me, including my sons car seat. the historical and balance and mostly, showing a past due balance on a charged off, sold a month after repossession, gap insurance payment i never received or is reflected and not reporting damage the sale of the vehicle or the third party collection agency. i am requesting all documentation from VW credit, sale of jetta and price to the auction company, price sold to a debt collection agency, GAP insurance policy and original signed loan and pictures and documents from pickup by the company that picked the car up from repossession date, list of items in the interior and trunck of jetta that was never returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NV)

Complaint:
I financed a bed from a now defunct business. I cant find any info on what this name of the business was. The loan is from synchrony bank. The problem I am experiencing is that they failed to mention how deferred interest worked in full. I was told that as long as I made my payments I would not be charged any interest. What they failed to mention is that I had a deadline as well. They made no attempt to communicate this in store. and the app through which I pay did nothing to inform me of this coming issue. The info was there but only if I dug for it. They made no discernable attempt to make me understand the full breadth of the contract. On XXXX I started this line of credit. I was told that as long as I make my payments om time, no interest would accrue. I made all payments on time, sometimes more than the minimum. And on XX/XX/XXXX my undisclosed deferred interest date kicked in and I was immediately charged {$1300.00}, on XX/XX/XXXX they charged another {$71.00}, and on XX/XX/XXXX another {$66.00}. My minimum payment right now is {$95.00}. If things continue like this it would take decades probably to pay off, the APR is 29.99 %, they clearly intend to keep me in debt. This is designed to take advantage of people. I did contact Synchrony and all they had to say was " Sorry '' that I hadn't been informed of how this worked. They said I had a month after initial interest started to pay it off. But I failed to notice what they had done until the 30 days had passed.

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 2023-05-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (TX)

Complaint:
ok so the credit agency have just completely disregarded my consumer identity and i want to know how is it even remotely possible to report inaccuracies on my credit report without my consent? there is mistake after mistake on my consumer report? how many laws will they be able to break. how much of my livelihood will they be able to destroy? account in question XXXX they have violated my rights. how can i have a account reporting on my consumer report without my consent.i did not give a third party to report this bill and it is not legal please validate by providing the origional contract also show where i signed to pass this debt to a collector. they have violated hippa privacy laws. they are also still in the 12 month grace period and shouldnt be reporting the credit agency in question has completely mishandled my credit report and violated the following laws 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Complaint:
I have filed and attached my FTC Report regarding the fraudulent/unauthorized inquiries. I have attempted to fix this issue with TransUnion multiple times.

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Complaint:
Upon reviewing my current credit report from your bureau, I came across the disputed accounts, and I don't think they are 100 % correct. Would you please UPDATE these ACCOUNTS from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (FL)

Complaint:
I was charged lat fees when I have automated debit with the lender. Nobody is willing to help me, I called, I talked to the manager who asked me to send her my bank statement and there was no follow-up, extra charges are added to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
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 (NC)

Complaint:
I have been the victim of Identity theft due to several security breeches since XXXX there are now multiple companies including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Discover Fin. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These companies are report information not belonging to me I have reported this to my local authorities as well as the FTC. I have filed multiple disputes with all three credit reporting agencies. This is causing a social and financial strain on my life

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY (TX)

Complaint:
Due to the BREACH OF PEACE of that occured on XXXX XXXX, XXXX XXXX XXXX is liable for damages pursuant to UCC 9-625 ( c ) ( 2 ), Section 9-628, 15 usc 1692f ( 6 ) ( A ) and the XXXX XXXX XXXX XXXX is also liable for tort damages, including punitive damages under Article 1, section 1-103 ( b ). 

Third party repossession companies, hired by creditors to do the actual seizing of property, can be deemed debt collectors. Debt collectors are governed by the FDCPA 15 USC 1692. Pursuant to Texas Business Code 9.609 a repossession company does not have the right to present possession of collateral if the repossession resulted in a BREACH OF PEACE.

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 2020-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (AR)

Complaint:
I received a phone call today from XXXX, it was an automated message stating my fiance, XXXX XXXX, owed a debt and it threatened court action if it was not settled. I remained on the line to speak with someone about it, and a guy came on the line and asked for a dispute number, I did not have one, so he put me on hold to look up XXXX XXXX. When he came back I was told that he owed overdraft fees of a US Bank checking account of {$1100.00}, and that with interest it would be {$1600.00}. I was told that a settlement letter was sent to our address 2 weeks prior to this phone call, and that after today, they were taking this case to court and after he would owe {$2900.00}, or we could settle the matter with {$1000.00}, but it had to be a cashier 's check or money order. The guy, who identified himself as XXXX XXXX, said he would put the case on hold for 2 hours, and sent me an email with a docusign document to sign and send the payment in with, I will not upload or have it faxed, I can not see the entire document. I spoke to XXXX about this, and he called US Bank who confirmed that this bank account was closed in 2013, there are not debts owed. I checked the Law Firm listed in the e-document, it is a vague website XXXX, and the phone number listed XXXX is listed as a scam online from many complaints. We are choosing not to respond any further to the phone calls, letters, or e-documents. XXXX XXXX knew our address and the last 4 digits of XXXX 's SSN.

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 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

Complaint:
I provided on several occasions a police report and the inquiries are still there. I have a fraud alert and inquiries I dont recognize are on my credit report. I was told be XXXX  and experian that they could not remove the inquiries.

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 2022-11-04
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. (NY)

Complaint:
In accordance with the Fair Credit Reporting act 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  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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (FL)

Complaint:
Unauthorized inquiry.

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 2017-11-28
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. (PA)

Complaint:
I have no other portal is get information to Equifax ... But this one. 

I read on complaint XXXX Equifax reports they have not received any additional information from me. Since Equifax does not provide a portal to submit additional information, I have the attached some additional information. 

Equifax previously reported the unauthorized inquiry by XXXX was " masked ''. Attached document shows this is untrue! 

Equifax responded to my complaint with such a garage/nonsense response! 

I emailed Equifax ... Started a dialog. When they could not deflect me ... The responses stopped!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Complaint:
I have opened a Secured Credit card credit limit {$300.00} dollars with Bank of America. I closed the account. however Bank of America shows the account charged off. I tried resolving this issue numerous times with bank of America and they have failed to attend to the issue. the have reported duplicate account one for {$160.00} dollars and one for {$160.00} dollars showing it as charged off. the question is this is secured account that means I have paid the {$300.00} dollars upfront and upon closing the account there should be nothing outstanding but bank of America think they can XXXX me because I am trying to rebuild my credit they think my resources are limited and I am not able to do anything about it. I want someone to explain one fact to me if this is in fact a secured credit card {$300.00} dollars collateral from my pocket what money do I owe them? and if I closed the account what fees duplicates slanding my credit for 5 years is crime that bank of america need to be fined and penalized under law. Bank of America is known to be a XXXX and a one of the most corrupted institutions in our country. I demand not only they remove their frivolous slanding accusations from my banking and credit report immediately as I demand that you would fine them for their reckless behavior

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (NY)

Complaint:
I have been in the public service loan forgiveness program since graduating from graduate school in XXXX. I've qualified 120 payments under the conditions of the program and sent in an application for forgiveness in dated XX/XX/XXXX. I contacted the federal student loan ombundsman in XX/XX/XXXX and was again told that I had 120 payments that were qualifying but that the application was " still in process '' with no clear idea of how long to expect that process to take. As of today the application has been in process for more than 4 months and would appreciate a timeline as to when this might be under review or at least clearer information regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1992 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX LVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1992 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Duncan Solutions, lnc. (NJ)

Complaint:
I have a New Jersey XXXX account. NJ XXXX incorrectly sent a bill to a collections agency " XX/XX/XXXX '' headquartered in Wisconsin. I called XXXX on XX/XX/18 to resolve all issues. XXXX took care of what they could on their end but told me I had to call XXXX and resolve the amount that had incorrectly gone out to collections. 

I called XX/XX/XXXX, and spoke to two employees there. Both told me that even though the original charges were erroneous there was no way for me to dispute the charges on the phone or online. They offered no way to resolve the issue or send it back to their client. 

The hoops XX/XX/XXXX and XX/XX/XXXX are utilizing are predatory and inefficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (SC)

Complaint:
I sent in a dispute letter on XX/XX/2022 in regards to the account XXXX XXXX XXXX  # XXXX being reported by Experian. I did not receive any type of correspondence which validated the account. I do not owe this debt not to mention I never authorized anyone to use my information to obtain this alleged debt.

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 2020-12-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Complaint:
I don't believe that I had this account with these collectors/creditors. I tried a few times to get in contact with them and request ownership proof, but they failed to give me the important paperwork to prove that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (NJ)

Complaint:
I am sending this complaint because a charge-off and collection account with Ford Motor Credit account number XXXX has hit my credit report when this account is a business account under XXXX XXXX, EIN XXXX. The issue with this is not the ownership or the debt, but the fact that a business debt that was established an paid for by the business who was also issued a Corp Code with the DMV in the State of NJ to register this vehicle, has affected my personal credit report and even though there was exceptional payment history, your company has chosen to destroy my credit rating by inaccurately reporting this account as a charge-off which is a violation of the Fair Credit Reporting Act. I would ask that your company furnish the document and phone records that show you have previously attempted to have me rectify this debt and also provide documentation that substantiates the debt that is being reported. I also received a letter from a XXXX , XXXX XXXX XXXX that is currently being reviewed for any violations of the Fair Debt Collection Practices Act, and if there is, I would be entitled to {$1000.00} per the FDCPA and any statutory damages that I have suffered as a result of this account being reported on his credit report. The account was previously disputed and marked as resolved and accurate. But after I receive documentation of this account that shows inaccuracies, that will also mean we would have violations of the FCRA which would bring other issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Complaint:
I USED TO HAVE XXXX BANK OF AMERICA ACCOUNTS, SAVINGS AND CHECKING, AT BANK OF AMERICAXXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX FOUND MY BALANCES IN CHECKING ACCOUNT GOING DOWN, WHEN I CALLED CUSTOMER SERVICE.SO I WENT TO THE BRANCH.THE CLERK PRINTED OUT THE STATEMENT.IT SHOWED UNAUTHORIZED CHARGES DEBITS TO MY CHECKING ASCCOUNT BY XXXX NEVER HAD XXXX ACCOUNT WITH XXXX NEVER PURCHASED ONLINE, XX/XX/XXXX XXXX XXXX XXXX XXXX {$14.00} ; XX/XX/XXXX XXXX XXXX XXXX XXXX {$14.00} ; XX/XX/XXXX XXXX XXXX XXXX XXXX {$14.00} ; XX/XX/XXXX XXXX XXXX XXXX XXXX {$14.00} ; XX/XX/XXXX XXXX XXXX XXXX XXXX {$14.00} ; XX/XX/XXXX PURCHASE XXXX XXXX {$14.00} XXXX $ XXXX FILED COMPLAINT WITH FRAUD DEPT.TO INVESTIGATE HOW SOME ONE IN XXXX GOT HOLD OF MY CHECKING ACCOUNT NUMBER AT BANK OF AMERICA.THEY DID NOTHING.THE BANK OF AMERICA SHOULD BE PENALIZED AND MADE TO COMPENSATE ME FOR THIS INCONVENIENCE.OBVIOUSLY, A CRIME HAS BEEN COMMITTED.PERHAPS AN EMPLOYEE IN BANK OF AMERICA PASSED ON MY ACCOUNT NUMBER TO SOME ONXXXX AT XXXXOR SOME ONE AT XXXX MANAGED TO HACK INTO THE BANK OF AMERICA COMPUTER SYSTEM 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