hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fairway Independent Mortgage Corporation (AZ)

Complaint:
I felt this lender was taking advantage of me and the situation, while threatening me to hurt my credit by reporting the appraisal charge to collections when the deal didn't go through. 

I was never given a link or any form of Payment form before he ordered it. Seller failed to perform and had to cancel the deal, then he started harassing me for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

Complaint:
XX/XX/2022 I received email from Citi bank stating my thank you preferred card will not be renewed once it expires in XX/XX/2022, and reason is due to bankruptcy or other charge off account with citi. I do not have bankruptcy and I only see a charge off account from citi for {$200.00} from 4 years ago on my credit report. I never had a credit card with {$200.00} limit besides my very first secured card with Citi when I was young. Which doesnt make sense because I paid {$200.00} deposit in order to open that secured card. I recently opened dispute on this charge off with all 3 credit bureaus but have not yet hear any response back from Citi. Last four of the account that Citi wants to close is XXXX XXXX XXXX XXXX. I have had this card for over 7 years. I have been responsible using it, paying down the balance from over $ XXXX to {$900.00} and soon will pay this card off, for Citibank to just close my account like this due to a {$200.00} questionable charge off is ridiculous. I am trying to work on my credit, if they close this account it will have a huge impact on my score as this is one of my oldest positive trade line.

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 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
On SundayXX/XX/2023 I awoke to notifications from my credit monitoring service that there were new late payments being shown on my credit report on all three bureaus (Transunion, XXXX XXXX.) from XXXX servicer.  I quickly checked my account and found that it was in good order on line.  This has caused my credit score to drop XXXX points and is making approvals difficult.  

I am not late.  Even though I have been making payments, at the moment, all payments are paused by the Cares Act, specifically addressing how credit reporting will be done:

d) REPORTING TO CONSUMER REPORTING AGENCIES.During 
the period in which the Secretary suspends payments on a loan 
under subsection (a), the Secretary shall ensure that, for the purpose of reporting information about the loan to a consumer reporting 
agency, any payment that has been suspended is treated as if 
it were a regularly scheduled payment made by a borrower. 

I hope that his is taken care of by Nelnet, but retain my right to litigate if necessary.

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 2017-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Complaint:
I have filed a dispute with the Cfpb in regards to XXXX XXXX falsely reporting lates on my credit report and then they remove it after reviewing my payments and then they report other payments late this is an ongoing cycle with them. this is the 3rd time this has happened and when I called XXXX XXXX this time they say that they have gotten new payment system but I am still having the same issue. I reviewed my account history and they agree that no payments were made late but yet they just reported 3 payments as late that had been reported as current. This is becoming quite ridiculous and something needs to be done if they ca n't report accurate information. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are now reporting late but were previously reported as on time. I have not made the payments late.

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 2020-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

Complaint:
My husband and I have been trying to get a mortgage since XX/XX/2020. We havent disputed anything on our credit reports since XX/XX/2020. All of the credit bureaus keep opening up disputes on our reports. We call 2-3 times weekly and they close them only for them to reappear. XXXX was deleted from my credit report XX/XX/2020 and they opened a disputed on them XX/XX/XXXX and then added it back onto my credit report. We cant get a mortgage with open disputes and want them to stop disputing items and adding dispute remakes when we arent disputing things! We also need for them to correct the XXXX error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
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. (LA)

Complaint:
I AM A PROTECTED CONSUMER. i know my rights. i certify that this request to block was made NOT in error, and my request to block information was NOT based on a material misrepresentation, and i DID NOT knowingly obtain or should have known that i obtained possession of goods, services, or moneys as a result of one or more of the transactions that i am seeking to block. Under 15 U.S.CODE 1681c-2 you must block all fraudulent accounts. Since i attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.

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 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Complaint:
on XXXX i sent the credit bureau a dispute letter with a FTC identity theft report concerning some accounts that were opened fraudulently. They didnt respond to my request to delete the false accounts. I am asking the deletion of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Complaint:
XXXX XXXX account ending in XXXX I want this account deleted due to inaccuracies and false reporting. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. On Experian the account is reporting 30 days late XXXX XXXX, 60 days late XXXX XXXX 90 days late XX/XX/2017. For XXXX the payment history for this account reflects 60 days late XXXX XXXX  90 days late XXXX XXXX 120 days late XX/XX/2017. I want the account deleted because the payment history is reporting inaccurate and I took the facts directly from the credit reports which I will submit as attachments

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 2019-06-19
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:
On XX/XX/19 I disputed the XXXX account and XXXX XXXX account that Transunion is reporting on my credit report. I disputed the account due to violations reporting. 

XXXX has a past due balance on a collection and XXXX XXXX has a past due balance as well. 

It is a violation for collection accounts to report past due balance. After Transunion completed their " investigation '' they did not make any changes. 

I want these accounts removed since Transunion has failed to report the accounts accurately after my numerous request for investigations to ensure this account is reporting 100 % legally and accurately.

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 2020-04-06
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. (CA)

Complaint:
XXXX, my cousin used my SSN to opened auto loan account at XXXX XXXX XXXX CA XXXX without my permission. I did not notice until my fico score dropped down alot cause he missed 04 times payment. I know it is him because his mom told me that he bought a new XXXX car at XXXX and I find out there was XXXX auto loan in my credit report.I asked my aunt and she showed me the contract, I went straight to the XXXX XXXX XXXX and store XXXX confirmed that is my cousin used my SSN to opened auto loan account.I already reported police but look like they do nothing for my case.My aunt already paid off for his car, but 04 missed payments are still available in my credit record, it make my auto fico score poor now. It is unfair for me.

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 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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: 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Complaint:
The following hard inquiries on my credit report were not authorized by me. I have contacted the companies and XXXX several times via telephone and/or by mail requesting proof of my signature based on the FCRA only to receive a canned response and no proof of my signature. 

XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX,XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX , XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX  XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX , XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-10-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: U.S. Auto Sales Inc. (GA)

Complaint:
I was in a financial Hardship where I lost my job and could no longer afford my car payments. O recently scarficed my right & the company came to repossesse the car informing that the car would be placed in a auction & the profit that is made from the auction would be placed towards my loan. I originally had another card from usauto sales that was a XXXX XXXX XXXX that I was paying {$180.00} for every two weeks however o traded it in for another car which was a XXXX  XXXX XXXX that supposed to be a push to start & the payment increased to {$250.00} every two weeks. Company told me that I can trade my car in after 3 years but didn't inform me that my payments will increase. Company did not want to work with me during financial hardships

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

Complaint:
I want to completely close my wells fargo account due to the numerous unauthorized charges they have allowed in the 10 years I have been banking with them. In addition, their customer service is horrible. 

A family member of mine who is not at all authorized to use any of my cards or money used my phone to " play games '' but he was stealing my debit card info to buy XXXX coins on my phone and send it to his wallet so I would not notice. When I caught him doing it, he admitted to doing it in the past as well, so I filed an unauthorized charge report for all kucoin purchases. They gave me a final credit almost immediately for the XX/XX/XXXX ones but still will not give me an update on the older ones even though they were purchased through the same means ( unauthorized user ). Whenever I call and ask they give me the same run around. 
XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX CARD XXXX {$500.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX  XXXX XXXX XXXX CARD XXXX {$2000.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX CARD XXXX {$2700.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX CARD XXXX {$450.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX CARD XXXX {$100.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX and was charged {$5000.00} on XXXX. I never authorized this transaction. My computer was stolen, which included all of my information stored on it, which allowed the thief to access my accounts and purchase {$5000.00} on the coinbase account and send the money out to a random wallet. I was offered a provisional credit, but the company will not give me a final resolution still and whenever I call they just say " it is pending '' but offer no timetable.

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 2022-04-30
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. (IL)

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 credit plan as late for and purpose.

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 2022-08-18
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: EQUIFAX, INC. (NY)

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$57000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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. (FL)

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRUIST FINANCIAL CORPORATION (VA)

Complaint:
I am a paperless Truist customer and have a Truist credit card. The closing date of each month is the XXXX and soon thereafter they post the statement on the website which I access with my XXXX or XXXX. However, this month, XX/XX/XXXX, the statement was NOT available. I contacted customer service through Truist Assist, their online customer service portal. They informed me that their technical people were aware of and were working on getting the statements posted. I waited several more days, then today XX/XX/XXXX, the statements were still not online. I contacted Truist Assist again to inform them that they were delinquent in sending me a statement and I demanded that they email me a pdf of the statement. They said they could not do that. They said they didnt know when the statement would be available. They said to pay the amount due in the payment summary page. I told them I was unaccustomed to making payments without statements. My complaint was sent up the chain. 

Truist, no doubt, has many paper customers who receive statements in the mail. Yet they can not accommodate me by sending me a paper or pdf statement when the error is theirs. Or is it that they have been hacked and can not generate statements? I could not find any reporting online of statement issuing problems with Truist. 

Regardless, I am annoyed and frustrated by Truists inability to provide me with my statement in a timely manner as is my right. They must implement backup systems to provide customers with statements should they incur technical difficulties in the future. Statements are normally available a few days after closing. It is now at least 16 days after closing. 

Thank you for your attention. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CarMax, Inc. (CA)

Complaint:
Last XX/XX/XXXX, I faxed Carmax a letter. This is what I wrote to them : " I set off for a business trip in XX/XX/XXXX and my secretary was entrusted with paying my bills. Since she didnt have access to my CarMax account, she used my secondary checking account with XXXX XXXX to setup an online bill pay to pay Carmax.. However, due to a banking error the payments did not get sent.

I returned home the next month and continued make the payments, not knowing that indeed the XX/XX/XXXX payment was skipped. Given that I always make the payment even before the due date, the payment was not 30 days late for several months, until XX/XX/XXXX when I actually paid off the entire balance of the car at the dealership. That is when I found out that the XX/XX/XXXX payment had been missed and I was 30 days late for XX/XX/XXXX There was no reason for me to be late in XX/XX/XXXX, as on XX/XX/XXXX I paid off the entire vehicle. '' Attached to this letter was a proof that the payment should been sent to them on time and that it was a bank error and I it was never my will nor intention to be late. I also sent them a copy of my bank statement to prove that I have more than enough funds on my bank account to pay off the entire car/loan let alone to make a payment. I am so disappointed that Carmax denied my request considering my perfect history with them and that the account was paid off! Their refusal to my humble request is the only thing keeping my lender from offering me my prime financing for my home. This company are taking away a great opportunity for me to give my family a better life.

Company response to consumer: Closed with explanation