hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-07-21
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:
I am writing to dispute the information on my credit report related to two auto loans for the same vehicle. My credit report shows that I have two separate auto loans with two finance companies, XXXX XXXX and XXXX XXXX XXXX, for the same vehicle, which is inaccurate and has a negative impact on my credit profile. 



I purchased the vehicle from XXXX XXXX and financed the purchase through them. However, without my knowledge or consent, my contract was later sold to XXXX XXXX XXXX, and they are now incorrectly reporting a separate auto loan entry on my credit report. 



I have never entered into any contractual agreement or authorized any loan with XXXX XXXX XXXX. I only have one valid auto loan with XXXX XXXX, and I have been making timely payments as per the terms of our agreement. 



I request that you investigate this matter and remove the erroneous entry of the auto loan from XXXX XXXX XXXX from my credit report. I have attached copies of relevant documents, including the original contract with XXXX XXXX, as evidence to support my dispute. 



Please provide me with written confirmation once the investigation is complete and the incorrect entry has been removed from my credit report. Additionally, I request that you update my credit report to accurately reflect my actual credit history. 



I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute inaccurate information on my credit report, and I expect you to comply with the FCRA guidelines throughout the investigation process. 



Thank you for your attention to this matter. I look forward to a prompt resolution. If necessary, I am prepared to take further legal action to protect my rights and creditworthiness. 



Sincerely, 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 2016-10-22
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (NV)

Complaint:
i went to XXXX XXXX/XXXX/14 to buy a car. i found a 2014 mustang stock car with no upgrades, loon the sales man stated that the car was XXXX $ but that we can work down the price to {$19000.00} out the door, so i said ok ill put {$11000.00} down cash and finance the rest, so over a period of a year i was unable to keep up with the payments and was wanting to sell to a friend who would accept the payments so i called the finance company to see how much i needed to pay off the company. they stated XXXX i was confused and went down to gaudin and talked to loon and he remembered me and that i put XXXX XXXX so he said he contact me after he located my contract in the office. two weeks went by and nothing was heard, so i called and then he sent me supposedly the copy of the contract with the finance numbers not recognized. that total sales price of my car to be XXXX and a false signature made by me. i called gaudin and nothing. then my car was repo again and i was unable to keep up with all the extra fees and i let it go. my car was taken and they did n't contact me to get my belongings back nor when the auction was. i know for a fact that i did n't sign to by a XXXX XXXX i was told XXXX $ out the door. now im walking and am unable to get around. i have always maintain myself with a vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Elevate Recoveries, LLC (MD)

Complaint:
I sent a debt verification letter via certified mail on or about XX/XX/XXXX. Elevate Recoveries received and acknowledged said letter on XX/XX/XXXX. It has been 30 days and I have not received and communication in regard to the debt being verified. I would like to request a debt deletion letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Complaint:
I am writing to bring to your attention an issue regarding the withholding of my credit card rewards by Bank of America. In XXXX, BoA closed my credit card ( ending in XXXX ) citing risk concerns. It is important to note that I have always paid back the full amount on my credit card without delaying a single day for the past XXXX years. Furthermore, I maintained an investment account with BoA, holding assets worth over {$400000.00}. 

Prior to the closure of my account, I had accumulated a total of XXXX rewards points from all my previous card purchases. These rewards points are equivalent to {$1300.00} in cash value ( see screenshot for evidence ). Despite making multiple calls to BoA, requesting the redemption of my rewards, I was informed that they will not process the redemption after the account was closed. It is worth mentioning that BoA has gained notoriety for withholding customers ' credit card rewards and has recently faced a significant fine of {$100.00} XXXX, as reported in this link : https : //www.consumerfinance.gov/about-us/newsroom/bank-of-america-for-illegally-charging-junk-fees-withholding-credit-card-rewards-opening-fake-accounts/ Regrettably, it appears that BoA has not made any improvements in this area, and I find myself to be another victim of this practice. Consequently, I kindly request Bank of America to issue a check in the amount of {$1300.00} to compensate for the rewards. 

Please be aware that if necessary, I am prepared to take legal action to seek a resolution to this matter.

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 2022-11-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

Complaint:
Hello, I was laid off last early-spring and as a result, my account balance was quite low. I had a Wells Fargo checking account ( ending in XXXX ) that I stopped using for purchases as a result. On XX/XX/2022 my account had an available balance of {$11.00}. A {$6.00} credit posted on and my balance posted at {$17.00}. Two ETF debits then posted and the acount balance went negative to $ XXXX. Then Wells Fargo allowed several more ETF 's to occur and brought my account down to $ XXXX. Of that amount, $ XXXX was ETF and the remaining amount was overdraft fees. I stopped using ym debit card and they continued to allow funds to be withdrawn and rack up fees. When I didn't pay the fees and asked for a review of the account activity, they told me that I needed to pay them and closed the account. I'm currently on a checking account watch list as a result. I've reached out to the bank to discuss the situation, but they have provided me little more than the 'account disclosures ' associated with this account. This has to predatory.

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 2017-09-28
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. (MS)

Complaint:
I have multiple hard inquiries on my Transunion credit report that I did not authorize. Hard inquiries from the following companies and dates : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX & XX/XX/XXXX. I have contacted Transunion on several occassions for assistance with the removal of these inquiries, last of those attempts being today. I have also contacted the companies reporting these inquiries and have been told they have no record or to contact Transunion because they are reporting. Today I spoke with XXXX XXXX and was told " Transunion only maintains credit report hard inquiries and are a statement of FACT. The creditors have accessed my file ststing they have permissable purpose to do so ''. How is this factual when I the consumer state I DID NOT AUTHORIZE THEM. My back is to the wall at this point, I am only one person and can not seem to get assistance. I have contacted Transunion XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and 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 2019-10-24
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. (MD)

Complaint:
On XXXX XXXX I sent a letter of verification to Experian in hopes of seeing how the company verified three accounts that I disputed in XXXX of 2019. By FCRA law credit reporting agency 's have 15 days to respond to the request with a description of how they obtained the information to verify the report. Experian broke the law because instead of showing proof of how they verified the disputes and sending me the information I requested they opened up a new dispute. This is a direct violation of FCRA section 611. Also its a direct violation of my consumer rights and its inhibit my ability to move forward with certain aspects of my life.

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 2023-07-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

Complaint:
A late fee was charged on XX/XX/XXXX which i dont't have a problem with. What i do have a problem with is the fact that the policy of " one late fee waiver for the life of the loan '' has never been disclosed to myself in the 3.5 years that I have had this loan. When trying to talk with customer service, the reps are rude and the supervisors aren't much better in terms of being rude condescending and putting the blame back on the consumer. 

Also, I do believe contrary to the sarcastic rude supervisor i spoke with in the XXXX o'clock eastern hour on XX/XX/XXXX that banks are actually required to disclose all policies and procedures. I say this as the supervisor had the audacity to state " Citizens isn't required to disclose any of their policies to acct holders '' That phrase to me seems like a class action lawsuit just waiting to happen ( not stating anything other than what is stated, so don't read into it )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-16
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. (FL)

Complaint:
I disputed information that was on my credit report. The negative information that i disputed was deleted from my report and then placed back on my report without notifying me. The information is fraudulent and should not be on my report. It is against the law to place something back on my report without notifying me. These accounts are negatively affecting my credit worthiness and is causing me to be denied for things. The account was removed XX/XX/XXXX and placed back on my report XX/XX/XXXX. Another account is XXXX  XXXX  which is fraudulent and does not belong on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
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. (TX)

Complaint:
XXXX has 7 hard inquiries on out XXXX, XXXX, and Equifax credit reports for an attempt to finance an auto loan. According to the FCRA, these should not all be listed as hard inquiries and are related to a single attempt to get financing. They should be removed from the report as they are impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (RI)

Complaint:
I signed up for a Chase XXXX card using the link for XXXX bonus XXXX miles after XXXX in spending and another XXXX pts after spending XXXX. I am very particular about the credit card rewards I sign up for. I used the Chase link for this rewards program. They shifted me into a different less meaningful card bonus program -- which I never would have signed up for. 
XX/XX/XXXX signed up for card Early XXXX -reached XXXX in spending. 
Inquired about bonus they told me to wait XXXX weeks. 
XX/XX/XXXX - XXXX weeks later they told me I did not apply for that card bonus. 
Refused to give bonus points after I satisfied all requirement. 
Bait and switch. 
I know exactly what card I signed up for - I dont even know what offer they are talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
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. (FL)

Complaint:
Equifax has exposed me to the threat of identity theft via their mishandling of PII. I am appalled at their lack of due diligence in the wake of this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

It is further frustrating that I am now responsible for repairing this damage, for which I believe I should be compensated in the form of free monitoring and credit freezes/thaws, paid for by Equifax. 

I also hope that this ( and the multitude of other complaints like this one ) result in legal recourse for Equifax and stricter standards are implemented in order to prevent this from happening in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
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. (DC)

Complaint:
I have never solicited or sought to acquire an auto loan through XXXX XXXX XXXX XXXX date of the letter I received was XX/XX/2019. I am going to assume they received my information from an unknown source in an attempt to get a car loan. 

The control number is listed as XXXX. 
I want to know why they sent me a letter of which I never inquired about from their organization.

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 2018-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

Complaint:
On XX/XX/2018, I used ATM machine at XXXX XXXX XXXX, my debit card is from XXXX, the ATM machine is from Fith Third Bank. 

When I withdraw cash, I was given the message that there would be charge for transaction fee, I accepted and continued the transaction of withdrawing. 

However I checked my bank of account next day, I found 4 unrecognized fees, it said " BAL INQ 1 TERMINAL DRIVE FEE ''. Every fee {$2.00}, totally {$10.00} Then I finally knew that I was charged four times just because I checked balance three times and one time failed to withdraw because of withdrawal limit. 

By the way, even on the receipts, there are no anywhere that mentioned there would be this charge for balance inquiry. 

I did not know there would be fees for balance inquiry and even failing to withdraw. This is absolutely misleading consumers and cheating consumers. 

I have the receipts in hand now if you need.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (TX)

Complaint:
I have been receiving multiple phone calls a day since XX/XX/XXXX of 2020 from different XXXX XXXX XXXX numbers. Upon looking up these numbers, they are all linked to Radius Global Solutions or XXXX XXXXXXXX XXXX TX. ( XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Every single time I have asked for them to identify their selves, explain the nature of and verify the debt they are trying to collect on, as well as to please send me written notice of the debt along with any verifying documentation. I have asked how the debt was calculated and how it will be reported to no avail. Every time they just keep repeating that they are on a recorded line and then hang up. I get up to 5 calls a day from different numbers and I ask the exact same questions every time. It is now XX/XX/XXXX and the 5 days since initial contact has passed for them to send me written notice. I am absolutely furious as I pay my bills, have good credit, and am a law abiding and tax paying citizen. I can not stop them from harassing me as they change the numbers frequently. This could be identity theft or an attempt to collect on something previously paid.

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 2020-07-21
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:
I. 

This is a complaint pursuant to the terms of the Fair Credit Reporting Act ( FCRA ), Title 15 U.S.C. 1681, et seq., disputing the accuracy of and to have deleted from my consumer file with Experian, XXXX and XXXX   consumer reporting agencies erroneous information that I am indebted to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to the sum of {$200.00} for XXXX XXXX XXXX ( " XXXX '' ) XXXX provided on XX/XX/ 2018, as alleged and reported by XXXX XXXX  XXXX, a third-party debt collector as defined by the FCRA, acting on behalf of XXXX 

II. 

The factual basis for this dispute is that I am not indebted to XXXX to the sum of {$200.00} for XXXX services provided on XX/XX/2018 as alleged by XXXX XXXX  XXXX. Annexed hereto is a billing statement from XXXX for that date. The statement reflects a XXXX  balance. As there is no balance due XXXX there is no debt due XXXX/ III. 

The legal basis for this dispute is that the alleged debt is predicated upon inaccurate information and therefore invalid, unenforceable, and merits removal from my consumer files with Experian, XXXX, and XXXX   consumer reporting agencies as per the terms of 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ). 

IV. 

The foregoing considered ; I respectfully request : 1.  Reinvestigation to determine the veracity of the information subject to this dispute. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

2. SUSPENSION of collection activities with respect to the alleged debt, pending final disposition upon re-investigation. 15 U.S.C. 1692g ( b ). 

3. Deletion from my consumer files the disputed information of my indebtedness to FDRMC as provided to XXXX, Experian, and XXXX consumer agencies by XXXX XXXX  XXXX. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ).

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 2020-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NJ)

Complaint:
On XX/XX/2020, I instructed American Express to close my Amex Everyday card through their website chat. A few hours later, unfortunately I noticed that the American Express associate closed the wrong card. After noticing this, I called their customer service the immediately. And while their customer service is owning up to the issue, and the company is taking blame, no action has been taken to resolve this. I have chat transcripts of what occurred and I want the company to fix their mistake before this severely impacts my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc. (NJ)

Complaint:
Hello The original debtor is XXXX XXXX. I voluntarily had my bad service disconnected at my new location because the service didnt work properly. I talked to them by phone and email trying to resolve the issues. We agreed I would disconnect WITH NO PENALTY since it wasnt my fault. I had several service technicians out and nothing worked. I am attaching several emails of my complaint. XXXX and this collection agency calls me every day from different phones. I feel harassed and I have to keep blocking these numbers from my cell and my business line. How dare they think I should pay early termination fees after agreeing that i didnt have to pay due to bad service. 
I will also attach collection agency letter as well. They are trying ti mess up my credit. Just like the insurance companies when you switch companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (NV)

Complaint:
The only charges to my bank account at the end of the service {$500.00} or two charges at the end of the service. One for {$380.00} and another for {$120.00} both to be done at the end. Of the service. No, not during the service. The end of service. Only those particular specific ones. " Equals to only {$500.00} '' None of the process procedure was done!!! 
Please do not forward attachments. Download attachments. Then send to.

Reason I, do not work for the CFP bureau.

Company response to consumer: Closed with explanation