hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2018-05-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance Corp. (VA)

Complaint:
The car that was allegedly sold to me was repossessed with the Exeter Finance and was not resold. According to Virginia state law once the vehicle has been repossessed, the original creditor may decide to either keep it as compensation for your debt or resell it in a public or private sale. The Exeter Finance decided to keep the car as compensation and therefore I no longer owe the original creditor for the vehicle. If this car was resold proper notices were not given. Under the laws of the State of Virginia UCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. State law also requires that the creditor tell you the time and place of the sale so that you can attend and participate in the bidding or If the vehicle will be sold privately, you have a right to know the date of the sale. None of these things have been done or provided by this collection agency to properly validate that this debt is owed. 
I want to be provided the following : A proper validation with the signed contract with the original creditor A copy of purchase agreement If there have been any other changes or adjustments since the last billing statement from the Exeter, for them to please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are authorized by the agreement creating the debt and permitted by law in my state. 
Provide proof that all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
If the vehicle was sold provide proof with a copy of the required State law notice sent of the amount, time, and place of the sale and If the vehicle was sold privately, provide the proper notice with the amount and date of the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
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: CORELOGIC INC (PA)

Complaint:
After receiving my consumer report from the credit bureaus, I notice a fraudulent inquiry from CoreLogic Credco on XX/XX/21. I notified the credit bureaus through CFPB and the inquiry was deleted. CoreLogic Credco violated federal law. see 15 USC 1681b A2. I did not give CoreLogic Credco Written instruction to furnish anything on my report. They are civilly liable for this issue. I recently tried to apply for housing and was denied.

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 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (GA)

Complaint:
Even if you didn't receive Form 1099-C, you must report canceled debt as gross income on your tax return. 
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 
By Definition The IRS Clearly says a Canceled or Charge off is income. The reporting of this account as a debt is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
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: EQUIFAX, INC. (IL)

Complaint:
After sending information to verify myself with my disputes ( XX/XX/2019 ), Equifax has failed to respond to my latest dispute. They have violated the FCRA, it has been more than 30-days. Please see below ACCOUNTS XXXX XXXX XXXX   XXXX never late DEPT OF ED/XXXX XXXX XXXX never late DEPT OF ED/XXXX XXXX XXXX never late DEPT OF ED/XXXX XXXX   XXXX never late XXXX XXXX XXXX XXXX never late US DEPT OF EDU XXXX not mine US DEPT OF EDU XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
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. (CA)

Complaint:
Company is reporting that loan was in a 90 day late 0eriod. Loan is now paid in full and was paid off several months early by making larger than required payments. Last payment originally set up through a debit card online but company processed the payment through an account they had originally set up for the bi-weekly payments that was no longer funded. I was unaware of this for a few weeks and received no notification of the returned payoff payment. There is no one to speak to at the company, customer service is all on-line/email and slow in response and every attempt in trying to resolve the issue was met with another person who didn't understand the issue and offered no resolution or incorrect information. Extremely frustrating. Ended up submitting the payment again and it was processed from the correct account but noticed later account was showing past due. This account was paid off several months early and larger than required payments were made so no payment should have been considered late, especially with the error by XXXX  in incorrectly processing the final payment and offering no assistance in resolving their error or refunding my bank NSF fees. Every request for reimbursement was ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

Complaint:
I, XXXX XXXX, attempted to open a joint checking account at Chase Bank with my husband, XXXX XXXX, shortly after our marriage to deposit the checks that were given to us jointly although made out to one or the other of us. I went individually to the Chase branch in XXXX XXXX XXXX XXXX, and informed them of my wish to open a joint checking account. They said that was fine as long as my husband went into another Chase branch and finished opening the account. He went within two days to a branch by XXXX XXXX XXXX XXXX to finish opening the account, and was told by the representative there it was complete. I then proceeded to deposit checks made out to both him and me on the Chase mobile banking app. I deposited a total of {$5300.00}. Unfortunately, the person who was helping my husband did not actually complete registering him for the account despite telling him that he had, and so the checks I deposited that were written to my husband were marked as fraud. My husband returned to that Chase branch to clarify what had happened, we went together to a Chase branch in XXXX XXXX, NY to tell them and provide proof that XXXX XXXX was present with his government issued ID and saying it was not fraud that XXXX XXXX tried to deposit checks written to him from our wedding, and we called the complaint escalation number three times. We were told by everyone that the only way to resolve the fraud complaint was for Chase to contact the people who had written the checks I deposited under my husband 's name and confirm with them that there was no fraud. However, there were {$3100.00} worth of checks I deposited under my husband 's name, each one written in $ XXXX {$300.00} increments, and none of our wedding guests picked up the phone when Chase tried to call them to clarify. As far as we know, they called from an unknown number and Chase would not tell us if they left a voicemail. They also wouldn't tell us if they tried to call the wedding guests more than once. Chase closed the account, refunded me the checks written out to me ( for a total of {$2200.00} ), but still over a year later has not refunded the {$3100.00} in checks written to my husband that I tried to deposit because of this theoretical concern of fraud even though we clarified with them that there was no fraud. The issue was ultimately Chase 's mistake because an employee at their XXXX XXXX branch did not register my husband to the account despite verbally telling him that he had. Chase have given us no alternative path to resolution and has told us that there is no one higher in the organization that we can contact. They have held our {$3100.00} for over a year. 

The account was a Chase Total Checking account number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (MI)

Complaint:
rmp llc account number XXXX this has been a torture to me and my credit, i know the .law and this is also illegal this is not my debt please delete this immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
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:
This is the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

Complaint:
Pursant to 18 USC 8, I owe no debt, This company ( XXXX XXXX ) along with ( XXXX XXXX, XXXX ) I DO NOT HAVE A CONTRACT WITH NEITHER i they are violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know 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 non-monetary relief
Consumer complaint received 2021-09-14
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: EQUIFAX, INC. (CT)

Complaint:
My credit cards is not reporting to my credit report 2 XXXX cards XXXX credit card XXXX credit card XXXX  credit card Also I am an authorized user on a XXXX credit card Also I am authorized user of a XXXX 's credit card Also authorized user on a XXXX XXXXXXXX card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Genesis FS Card Services, Inc. (CA)

Complaint:
In accordance with the fair credit Reporting Act XXXX, Account # XXXX has violated my rights. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (MI)

Complaint:
I mailed in onXX/XX/XXXX TWO payments money orders as they will not take a payment online, will not mail a statement, will not take a payment online. I do not get balances or receipts of payments or invoices. I have fought them for 2 years now to get it even listed on the website but yet cant pay on there and it says no payment due and no statements even on there.
I mail in the payments on the two subloans.
{$250.00} to one student loan - call XXXX XXXX can see status of payment loan XXXX XXXX {$250.00} to the other student loan - loan XXXX XXXX XX/XX/XXXX they process the one and today XX/XX/XXXX they claim they NEVER got the other one its a money order the only way I can pay them and its now lost they claim. So I am OUT of {$250.00} plus costs to get it mailed to them, late on payment and paid taxes on that income.
This is not the first time this has happened. I cant pay online I cant pay any other way.
How can they get one and not get the other to the exact same location at the exact same time!!!? I call I get transferred around and around and told pay the full balance now.
Agreement is {$75.00} a month and I am paying {$250.00}. I cant pay this off if I had cash sitting in my hand to save my life! Yet its damaging my credit I cant buy a house with these two scars on my credit yet nothing is late for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

Complaint:
I have gotten behind on my Auto loan in XX/XX/2021 due to being laid off due to Covid-19. I have called my Auto lender about my situation. I explained I will be out of work for about 3 months & requested payment forbearance, Extension or pay interest only. After being on hold & phone several times & talking to multiple customer reps I was allowed only one month extension, no release of late payment fees & still reporting me to credit bureaus as late. They have no set plan to help or work with there customers with financial hardships due to the pandemic that is been ongoing for a year. Very sad & pathetic for such a large bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-29
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC. (CA)

Complaint:
I told them Im willing to pay and asked if they can stop calling my job due to it being unacceptable and they continue to only call my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Sequium Asset Solutions, LLC (FL)

Complaint:
On XXXXXXXX XXXX  2023 certified mail was sent to SEQUIUM ASSET SOLUTIONS to validate said debt owed to XXXX XXXX XXXX. The company has failed to respond to validate any amounts. Have not received any proper documentation. The letter sent showed my XXXX account at a {$0.00} balance. It is now XX/XX/2023 and I have yet to receive any response to my letter. Failure to validate within 30 days. 

The company also does not have proper licensing to collect debt in the state of FL as verified by the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (LA)

Complaint:
On today X/XX/2016, I received a notice in my email from XXXX XXXX that a new account was added to my credit report. After login into my account I found out that the account was from a XXXX XXXX XXXX in the amount of {$120.00}. XXXX XXXX XXXX was notified by phone ( to number XXXX to XXXX XXXX and XXXX XXXX ) that they were in fact in violation of the FCRA, FDCPA for placing this alleged account on my credit report without prior notice in written as required under Federal and State Laws. I have no knowledge of this alleged account, never received and prior written notice before this alleged account was placed on my credit report and after it was placed on my credit reports. They are required under FCRA 1681-s2 ( b ) to verify any alleged account before reporting it to the CRA 's.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (TX)

Complaint:
Incorrect information on my XXXX, XXXX, and XXXX report ; However I have sent in documents back in XXXX to remove the unknown two hard inquiries reports and out-of-date inquiries items from my credit report ; I also reached out to companies that are over the statute of limitations. Also, a few items do not know the debts. I also have filed with OCC/ FCRA and Texas General Office . Statute of limitation is required to be removed from credit reports. I never received an investigations report! I have received emotional distress/violating my rights by the behavior from the debt collectors this has caused me hardship, stress, and anxiety.

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 2017-04-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MO)

Complaint:
After entering the XXXX I was provided the benefit of the military student loan repayment program. The loan repayments would be spread across three years and the payments would only go to the principal of the loans. The first two payments in XX/XX/XXXX and XX/XX/XXXX were applied correctly. The final payment in XX/XX/XXXX was wrongly applied to both the principal and interest of the loans. After a year of arguing my issue I encountered an individual at Navient that worked to correct the wrongly applied payment. They correctly applied the third repayment amount all to principal, however, when they went back to reverse the wrong payment they reversed it all from principal instead of reversing the amounts from principal and interest, essentially taking us back to square one. I have called endlessly to have this issue corrected only to be told by Navient employees that it all looks right and it was applied properly. It was n't until early this year, XX/XX/XXXX, that I found a member of their military benefits department that was willing to take the time and listen to me. She said she could clearly see that something was wrong but that it was complicated and she would need to forward it to another department to look at the issue further. That all began to take place in XX/XX/XXXX. Three months later and I am still being told that it 's been forwarded to another department and another department but with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
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: EQUIFAX, INC. (TX)

Complaint:
I have many incorrect accounts on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

Name : XXXX XXXX XXXX XXXX {$250.00} Medical XXXX   {$380.00} Medical XXXX {$230.00} Medical XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$9200.00} XXXX XXXX XXXX XXXX   {$4800.00}

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: 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. (NC)

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report 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

Company response to consumer: Closed with non-monetary relief