hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

Complaint:
There are accounts on my consumer report that are on my report without my consent and are not 100 % accurate. These accounts need to be deleted. The companies are committing fraud using my personal information without my consent! I tried to dispute with the reporting companies on multiple occasions and have been ignored. Multiple violations have been committed.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate.

These accounts on my consumer report is effecting my life in devastating ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CHARLES SCHWAB CORPORATION, THE (CA)

Complaint:
Hello, On XX/XX/XXXX, I initiated a transfer with my Schwab Checking Account for {$340.00} to my Schwab Individual Brokerage Account. These transfers are instantaneous during business hours. The webpage said that an error occurred, and to try again. I did this once more, and received the same error ( for the same amount, {$340.00} ). It was then that I noticed that my Checking Account was had two {$340.00} withdrawals, and my Brokerage account had none. 

I waited about an hour to see if there was just a delay in processing with them, and then reached out to Schwab via their XXXX XXXX tool. They informed me that this was a known issue, and that the problem would be addressed that day ( XX/XX/XXXX ) and that the funds would post that day as well. I then contacted them at the end of the day when the funds still had not posted, and they informed me they would still look into it. 

I checked in with them the following day ( XX/XX/XXXX ) at the beginning of the day, and my funds have not posted at the end of the day ( XX/XX/XXXX ). 

As it stands now, I've had {$690.00} dollars that were removed from my checking account, but not posted to the account that I had directed them to for two full business 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 monetary relief
Consumer complaint received 2018-08-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION (GA)

Complaint:
I took out a new automobile loan with Navy Federal Credit Union on XX/XX/XXXX for the sum of {$35000.00} with included gap insurance. 

Mr. XXXX advised me that I can refinance my loan to lower my monthly payments since I was diagnosed with XXXX XXXX ; I did agreed to refinance the loan and I asked Mr. XXXX if I would still have GAP coverage on my car loan, he informed me that loan coverage and everything will remain the same except the monthly payment and loan expiration date! 

On XX/XX/XXXX I had a no fault Car accident and my car was total based on inspection by XXXX XXXX XXXX Claim Adjuster. 

The loan balance to Navy Federal Credit Union was {$14000.00}, on XX/XX/XXXX ; On XX/XX/XXXX, XXXX XXXX XXXX remitted a check in the amount of {$8800.00} to Navy Federal Credit Union leaving an outstanding balance on the loan of {$5200.00} which GAP insurance should pay the balance to close out the loan. 

I spoke to Mrs. XXXX on XX/XX/XXXX, and she informed me that I no longer had GAP insurance on loan # XXXX, and I will be responsible for the balance amount of {$5200.00}, because when Navy Credit Union refinance my loan Gap insurance was not included and Navy doesnt offer Gap insurance for a loan that is finance, I informed her how many times do Navy Federal Credit Union once to charge for GAP insurance when this was already paid on the originate loan. 

I am pleading to your organization to assist me in resolving this debt matter to come to a complete resolution! 

Thank you for your time and corporation in this matter! 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the following accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
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. (PA)

Complaint:
Despite the multiple previous written requests in Equifax Credit Bureau, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These are the items that need to update or remove from my report immediately. 
XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX-Date Opened : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXXBalance {$310.00} XXXX XXXXXXXX XXXX-Balance {$5000.00} XXXX XXXX-Balance {$0.00} XXXX  XXXX XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

Complaint:
On XX/XX/22 I submitted letters to Equifax, XXXX and XXXX disputing accounts that were on my credit report that were not accurate. It has now been over 30 days and I have not received a response as of yet. I am trying to leverage my credit to build my business and this is slowing my process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Complaint:
I pulled my consumer reports on XX/XX/22 and noticed multiple discrepancies. These XXXX consumer reporting agencies are clearly just doing whatever they want. They are not following the requirements outlined in the FCRA at all. This complaint is referring to XXXX different accounts. The part of my consumer reports where it lists the company 's information who has reported various items on my reports is all over the place. They are supposed to ensure that ALL information pertaining to me is accurate. I am unsure of what information is correct because these are listed multiple times with different information. 
XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

***Please note that the FCRA does not permit you to abbreviate or alter the names of these companies, instead you are to ensure the MAXIMUM possible accuracy of ALL contents. 

Please also let me know how am I supposed to exercise my right as the consumer and dispute with these companies when you all are reporting MULTIPLE addresses and names?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
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: DISCOVER BANK (NV)

Complaint:
I obtained a settlement with payment of {$2300.00} and Discover takes 30-45 days to report it to credit bureaus. We are trying to buy a home and we need this reported efficiently. The company is quick to send negative information to credit bureaus but slow in reporting settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

Complaint:
To Whom It May Concern : I began making payments on my student loan in XXXX and have not missed or been late on a single payment. I set up autopay in XXXX and have continued using autopay up until today - same bank, same account. 

For no reason that I can discern, my XX/XX/XXXX autopay failed to debit from my bank account. This has never happened before. This was not due to insufficient funds or to any action taken on my part. 

I received an email notifying me of my " missed '' payment, and promptly logged into my account. As a result of this " missed '' payment, I noticed ( but was never notified ) that I lost the 1 % on-time customer interest rate reduction that I had earned for making my first 48 loan payments on time. 

I just called Nelnet to get them to fix this. After spending 47:03 on the phone, as well as paying the " missed '' XX/XX/XXXX payment, they said they can't do anything about this issue, and will " look into it. '' I was told " someone will probably call you back in 3-5 days. '' I smell a rat. The mistake was made on their end, and serves their purposes. 

Is Nelnet purposefully " missing '' a payment from on-time customers so that it can quietly take away their 1 % interest rate reduction, and then attempt to drown them in a sea of bureaucracy when ( if ) they notice and complain? 

Class action lawsuit? 

Expecting resolution of this matter, along with apology, as well as restitution, immediately. 

Sincerely, [ redacted for purposes of publication ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

Complaint:
ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : LVNV FUNDING LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
XXXX XXXX ( XXXX credit card ) incorrectly filed on my credit report. When I called them about my alleged late payments and charge off, they said I " owed '' them the XXXX figure. But the report clearly says, " charged off. '' If something is charged off a 1099a is sent to XXXX XXXX which means it is now income earned for the company. 
I can not owe on income. And this now becomes inaccurate reporting on their part. They are trying to be paid twice for the same case. 

I would like to exercise my right as a consumer to 15 USC 1681i ( a ) due to the nature of inaccurate reporting on my report. 

Also, in 15 USC 1681 ( a ) 1 it says that the banking system is dependent upon fair and ACCURATE reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (OR)

Complaint:
I am trying to pay off my debts as much as I can. During the recession I have lost my job did not have any funds to pay off the credit card. Now that I work, I support XXXX small children and my wife, who attends XXXX. She does not work. I want to repay the debt, but the debt collection agency added more amount on top of what I owed. They demand more than 13 thousand dollars when the original debt was less than 9 thousand. I contacted the agency to try to settle with them because I can not repay them the whole amount. They  refused and demanded the whole amount. All this years they have not send me any letters or anything indicating that they want to settle and place this matter behind us. I want to make a complaint against this company that they do not want to work with me to settle and that they demand more than what I originally owed.

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 2020-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (IN)

Complaint:
I've tried to have my bank account allow access to join XXXX  and XXXX to contact my bank. If the bank doesn't want to allow XXXX as a third party interest, then they need to open a function as an option that is the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX # XXXX Paid As Agree XXXX/XXXX  # XXXX XXXX  XXXX  # XXXX No Category 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 2019-06-07
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. (KY)

Complaint:
What in the world is happening here that my concern was not attended by Equifax!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX  XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (IL)

Complaint:
Synchrony sent me an offer for a Mastercard with {$100.00} cash back offer if {$1000.00} was spent in first 3 months. I applied for card. 
In XX/XX/, I received card ( which was attached to document reiterating said {$100.00} offer ) and fulfilled Credit card offer of {$100.00} cash back when I spent required {$1000.00} by XXXX, but have not received the {$100.00}. Have called Synchrony Mastercard numerous (! ) times beginning last XXXX. Am told either that 1 - I am eligible, but it will take 2-3 more billing cycles to receive the cash back offer, or 2 - no such offer ever existed, or 3 - that offer existed but I am not eligible for said offer, or 4 - that there is no notation in my file about said offer, or 5 - that I must mail proof that this offer ever existed and proof that I am eligible. If the last one, I was told it will take at least 1-2 billing cycles for them to review and then IF they decide I am right, it will take an additional 2-3 months to get the {$100.00}. 

If I get any response, it is a request for additional information ( which they already have ).

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 2022-09-30
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 2017 I entered into an agreement Pursuant to 15 u s c 1602 ( k ) XXXX XXXX  never provided me an adequate notice with clear and conspicuous pertinent facts of transaction, which caused me to make a uninformed decisionXXXX XXXX never informed me about the cost of credit, and the only evidence of the indebtedness was just a computer-generated agreement.according to 15 usc 1602 ( k ) the term adequate notice means a printed notice to the cardholder.further, pursuant to 15 usc 1601 ( a ) a consumer must be aware of the cost of transaction. I did not benefited from the transaction which is a violation of 15 usc 1602 ( p ) according to 15usc1602 ( p ) the term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the cardholder receives no benefit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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. (UNITED STATES MINOR OUTLYING ISLANDS)

Complaint:
I've already submitted a police report and dispute letters stating that the accounts and inquiries that are on my report are inaccurate and have been connected to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
TransUnion, XXXX XXXX XXXX are not correcting issues involving mortgage loan & Car loan reporting inaccurate as being paid through bankruptcy. Although loans and mortgage were paid outside bankruptcy and paid as agreed in good standing. Also mortgages are listed as closed & mortgage changed servicer and were never closed

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 2022-10-04
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: Experian Information Solutions Inc. (DC)

Complaint:
I just recently checked my credit report and noticed that I did not authorize anyone employed by these companies to make an inquiry and view my credit report. In addition, I did NOT give EXPERIAN permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. Last but not least I have no contract with EXPERIAN this is a privity of contract.

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 2020-09-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2016-07-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (NC)

Complaint:
Between XXXX XXXX, and XXXX on XXXX XXXX, I have received 52 phones calls from Conn 's appliance in attempt to collect a debt. I 'm not disputing the debt, and intend to pay once I secure finances to do so. I have asked to be taken off of their automated phone cue, as they stated this was the reason for the excessive calls. However, I still receive anywhere from 8-13 calls a day.

Company response to consumer: Closed with non-monetary relief