hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2019-08-29
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

Complaint:
Santander Consumer USA violated the O.C.G.A. 10-1-36 I contacted Santander Consumer USA on XX/XX/2018 when they took my car from my house. I called to get my belongings from my car which was my money, ID, credit cards, etc. They KNEW that I was in another state because I bought the car in Maryland and my ID shows my Maryland address and they KNEW my current address because that is where they sent the repo truck to get the car, so by sending it to a address in GA that I do not live or never did, they did not make sure that they had done everything reasonable to ensure that I got the letter. Georgia Code Section 10-1-36, The lender must notify you of your rights to " redeem '' the car within 10 days of repossession which " Santander Consumer USA '' failed to do. Never send anything certified mail of date, time and location of sale to my address where the repossession took place. Since I never recieved the required notice of sale, or the notice of defciency balance per GA code 10-1-36, and therefore they have no right to the deficiency balance, no right to report a balance due on my credit report to XXXX, XXXX, XXXX and XXXX. 

10-1-36 .... the seller or holder shall not be entitled to recover a deficiency against the buyer unless within ten days after the repossession he or she forwards by registered or certified mail or statutory overnight delivery to the address of the buyer shown on the contract or later designated by the buyer a notice of the seller 's or holder 's intention to pursue a deficiency claim against the buyer. 


Since they are not legally entitled to any further money, that it is a FCRA violation to report that they are on my credit report by LAW. 

I reserve the right to take further action including filing appropriate complaints with the FCRA for violations of Title X of the Dodd-Frank Act, and related regulations which include a ban on Abusive Acts or Practices. In addition I reserve the right to file civil actions against you for slander of credit. 



The USPS tracking number for the deficiency letter which was undelivered and send back to Santander Consumer USA is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (VA)

Complaint:
On XX/XX/2023, initiated a product change from Citi Premier to Citi Custom Cash card. The snnual fee of {$95.00} for Premier card was said to be refunded within 7-10 days, since Custom Cash card has no annual fee and the change mafe within 30 days of the fee posting ( XX/XX/XXXX ). A chat inquiry on XXXX XX/XX/XXXX informed me that the refund would occur on XXXX XXXX far longer than 7-10 businesses days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
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. (NV)

Complaint:
My personal information was stolen in XXXX, since then Ive been seeing unauthorized accounts. In accordance with the Fair CreditReporting Act CXXXX  Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX, XXXX and Equifax consumer credit bureaus. I would like the following fraudulent account removed from my credit report immediately. 

XXXX XXXX XXXX XX/XX/XXXX 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 an account without my handwritten instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AR)

Complaint:
On XXXX XXXX I sent Equifax and dispute regarding inaccurate accounts reporting on my consumer file. As of XXXX XXXX I have not received any correspondence regarding my dispute and Equifax now has violated 15 USC 1681i ( a ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required 611 - 15 U.S.C. 1681i ( a ) 59 ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Persolve, LLC - Legal - Series 2 (MO)

Complaint:
LAWFUL NOTICE OF DISPUTE This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ).

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
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. (TX)

Complaint:
There are a few inquiries on my report that I am disputing with the 3 national credit agencies. All three have stated I need to get in contact with the companies directly to request a dispute and get them to update to the credit bureaus to have item removed if inaccurate.

Why do I need to have them update when the bureaus should do the investigating?

Next, I have called the companies and have sent letter already attempting to verify the information.

Please have the 3 credit agencies remove the following inquiries : XXXX XXXX inquired on XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017

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 2019-08-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (GA)

Complaint:
Vehicle was repossessed on XX/XX/2019 for disputed payments. After several unsuccessful attempts to reach company was finally provided a fax number to submit my payment history. I was notified via letter that property would be sold on XX/XX/2019. On XX/XX/2019 I submitted payment history evidence noting omitted and inaccurate payment history. I requested return of my vehicle and have not met with a response.

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 2019-08-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Manhattan Beach Venture, LLC (RI)

Complaint:
On XX/XX/2016 an individual contacted me via telephone stating he worked for student loan relief/Obama forgiveness program. The representative stated he worked with XXXX and that I was eligible for loan forgiveness. The individual knew the amount of federal loans I had at the time. He proceeded to tell me to electronically sign forms on my email, which included a contract from Manhattan Beach Venture LLC stating that they will start taking {$39.00} dollars out of my account per month for 48 months until the amount of {$1300.00} is paid off plus 17.99 % interest rate. He then stated my loans would be forgiven from there. He then requested a signature for XXXX  XXXX   whom would be collecting the money monthly. Soon did I find out that this was a complete scam. The company does not in fact assist in loan forgiveness nor do they work for XXXX. I am stuck paying the monthly payment because I do not want my credit score to be effected by this fraudulent company. I have made numerous complaints. I am trying to shut this company down to avoid others being affected by this scam and get my money back. I do not want someone else to be scammed by this company. I have attempted to contact this company directly and have been unsuccessful with numerous attempts

Company response to consumer: Untimely response
Consumer complaint received 2017-05-16
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: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (NC)

Complaint:
I am trying to secure a home loan at   XXXX   XXXX   XXXX   in  XXXX  NC. They ran a credit report and informed me that there was outstanding balances with multiple organizations. I have contacted  XXXX  of the  XXXX  accounts which are fraudulant accounts to have them closed or to inform  XXXX  of the accounts that have balances, that they were not opened by myself.  One of  the organizations   XXXX   XXXX   acknowledged the fraud activity when none of the information provided matched their information.   The other organization  MUFG Union Bank  has been highly uncoorperative. They have been contacted over 6 times since  X/X/17    when the report was run. I can not speak to anyone higher in the corporation than a  floor manager,  who tells me that due to the fact that the information of birthdate, address, mothers maiden name, and phone number do not match they ca n't talk to me. I have contacted the company on   XXXX    ,  two more time s with dates I did not document.On  X/XX/17    I spoke to the floor supervisor  XXXX  who opened a case report and informed me that someone would contact me to further the case. No one called. On  X/XX/17    I spoke to   XXXX   who opened a case, took down my information and told me someone will call me.  Noone calle d. On  X/XX/17    I spoke to  XXXX  and  XXXX  who are both supervisors, they informed me that there is n't anything they can do and someone will call me to further the case. In this span of time they have charged me a  30, 60  day late charge and reported to  XXXX ,  XXXX ,   XXXX   lowering  my credit score. I was also informed that they are going to charge me a 90 day late  charge. I offered to pay the minimal payment to stop the 90 day late charge from entering my report. I have informed them of the hardship that this is causing me and chance of losing my ablity to purchase a home. I have also employed  XXXX  to help in the battle.  Union Bank wi ll not allow me to try and remedy this situation and have openly stated that there is not anything they can do to stop the destruction of my credit. The phone numbers I have called are  XXXX   XXXX   XXXX  and credit card division  XXXX   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 non-monetary relief
Consumer complaint received 2022-04-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Experian Information Solutions Inc. (OH)

Complaint:
Experian XXXX and XXXX are allowing companies disguised as debt collectors threatening with letters made up to look like court documents after attempts to tell them that they should not contact me. This is affecting my opportunities to fair credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Complaint:
On " XX/XX/2020 '' my credit score went down 18 points because of supposedly my credit card was " 30 days late for the month of XX/XX/2020 ''. First of all, we're only 9 days into the month of XXXX of 2020 ... so how can I be 30 days late??? Second of all, I called the credit union and they said they NEVER reported this to the credit bureaus. Experian stated the credit union reported this late and that my dispute will take up to 30 days to get fixed. WHY DID THIS ERROR OCCUR? AND WHY DO I HAVE TO WAIT FOR SOMETHING TO BE CORRECT THAT'S CLEARY AN ERROR ON THEIR PART? My account is not late! My account even has a zero balance! And .... now I have to fight with 3 credit bureaus to fix this error. This is horrible!!!! No one is acknowledging their error, the credit union said they NEVER reported this, and the credit agency said the same thing but I have to wait. The credit bureaus are all lying, not reporting accurate information, and also sell our information. I'm a Veteran dealing with this 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 2023-08-14
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Complaint:
On XX/XX/XXXX I activated my NEW BOF A EDD CARD and I have had to call the card 8 times to unlock it in 4 days. On XX/XX/XXXX I was denied authorization to access koney or the card due to faulty fraud system. Am being told Im not authenticating myself however I was just successfully authenticated not even XXXX hours ago.

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 2023-05-05
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: Experian Information Solutions Inc. (MO)

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-04-20
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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Regional Management Corporation (NC)

Complaint:
I spoke with a representative at XXXX XXXX XXXX to ask why was a debt being reported thats was inaccurate. I also notify the representative she was being recorded she said she didnt care that I need to learn how to pay my bills my response was the bill was paid and why are you reporting inaccurate information on my credit report she then said do I have proof I told her yes and then asked her for the address to provide documentation that the debt reporting is inaccurate she hung up the phone. I attempted 3 times to get the current mailing address and each time she answered and realize it was me she hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (CA)

Complaint:
Fidelity Rewards Visa Signature Card XX/XX/2020 XXXX # XXXX XXXX, CA {$97.00} XX/XX/2020 XXXX XXXX # XXXX XXXX XXXX, CA {$250.00} I reported to Fidelity Cardmember Services on XX/XX/XXXX after discovering above two fraud transactions immediately. I explained to Fidelity agent that I didn't purchase anything from above two stores personally nor did online shopping on XX/XX/2020 or nearest dates. 

After several calls with Customer services, the agent still insisted that card holder presented to the store and made the transactions. The agent failed to provide more details. 

Therefore, I have to ask CFPB to get involved and help to solve my case.

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 monetary relief
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (GA)

Complaint:
In response to my previous complaint number XXXX I have attached a copy of the adverse action letter sent to me by Wells Fargo as well as my response and demand to that adverse action letter as a result of the discrimination and damage caused to me in the form of {$100000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

Complaint:
XXXX XXXX XXXX is not reporting if this account is open or closed. 

That is rediculous!.

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 2022-11-19
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. (WI)

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX have 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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (TX)

Complaint:
My accounts were closed without notification. I called to resolve issue and was told that they were not at liberty to disclose to me the reasoning for closing my accounts. 
I appealed the restriction and was denied and again appealed without knowing the reason for the restriction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (VA)

Complaint:
Im trying to determine the date that my request was submitted to TREASURY and the amount as well. I call Nelnet almost weekly, and they cant give me a correct date and amount. Sometimes I get XX/XX/XXXX, XX/XX/XXXX, XXXX and they never give me the amount. When I first called and made the request, the customer service did not give any information of what was actually submitted. 

My initial call was on XX/XX/XXXX, and within that time I have convinced a few of my friends to request as well. They have requested mid-XXXX and early XXXX. They have already had their balance reinstated and some have gotten their checks already. Im wondering if my request has not been fully submitted or if its been sitting on somewhere. My first call has been ten weeks already.

I want to know the date it was submitted to Treasury or whoever is in charge of the reinstatement, and I want to know the amount the original customer service person requested.

Company response to consumer: Closed with explanation