hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2018-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Complaint:
I am trying to link my XXXX bank account to my Capital One360 account for transferring money between the two. Capital one360 won't allow me to link with XXXX  bank. When I called to speak with someone about my issue, the response I got was " unfortunately there is nothing I can do, at this time we do not allow you to link accounts with a prepaid debit card '' I told them that XXXX bank is a part of/or owned by XXXX bank and it is not a prepaid debit card. I was told that their system is recognizing XXXX as a prepaid debit so there is nothing they can do. All I want is to be able to link MY accounts and be able to move money between MY accounts. Also, they do not accept payments from XXXX or XXXX banking for the same reason. Now I understand that XXXX  ifs indeed a prepaid debit card but everything I read says XXXX  is a bank account that just doesn't have a physical location. Similar to capitalone360.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Credit Karma, LLC (TX)

Complaint:
Over the course of the past few days I have attempted to retrieve my credit score using a number of different credit reporting applications and services, most notably : XXXX, XXXX, Credit Karma, and XXXX XXXX. After entering my information in all of these services ( name, address, SS #, phone number etc ... ) all of them have told me the same thing : " your information does not match what the credit bureau has on file ''. This is extremely alarming, as I have double and triple checked my information every time, even with my mother, and all of the information I have entered is entirely correct, leading me to believe that the credit bureaus file on me must have incorrect information. I need to rectify this, as the time has come for me to buy an apartment. Thank you for your time, I hope to have this worked out soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (DE)

Complaint:
According to the FAIR CREDIT REPORTING Everything has to be one hundred percent accurate on my credit report.

The credit bureaus stated my account was properly investigated but how is that possible if there is a credit sale deficiency, it is reporting that this account type as a loan when in fact, this alleged arrangement is acknowledged by the governing laws as a credit sale. This has never or will be a loan agreement in place. Under any premises were goods or money loaned to me, the alleged debtor. It is a direct violation of FCRA to knowingly furnish or report false and incomplete information. 

Also the reporting of the lateness on the credit report is in accurate, it states I was current then 30 days late XX/XX/2018, 90 days late XX/XX/2018 and the vehicle was reposed in XX/XX/2018. 
The date last reported is inaccurate, this is grounds for removal they also violated my rights under 15 U.S.C 1681 SECTION 602 A : states that I have the right to privacy 15 U.S.C 1681 SECTION 604 A SECTION 2 : states that a consumer reporting agency can not furnish a account without my written instructions Lastly the reinvestigation has taken more than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
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. (FL)

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

XXXX XXXX XXXX account # XXXX, Opened XXXX XXXX has violated my rights. 

15 US.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 man 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 15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (MA)

Complaint:
I have contacted Ally on XX/XX/XXXX via their XXXX contact number listed on the monthly account summary to request why these summaries do not include year to date paid in principal and interest, not just the monthly amount - and was told that was their standard practice. I explained that I paid in excess of the required payment and was concerned the excess was not going to principal as the finance charges appear to increase month to month. 
I was transferred to a manager after requesting so since the response received about how interest is applied ; the agent for ally said its computed daily, and my agreement was for an annual interest rate - daily interest is not detailed in the summary or in the document I signed for the loan. I request statements be sent to me showing me the monthly principal and interest ( finance charge ) and the effect it was having on my outstanding balance - I requested those statements be sent immediately. The manager said they would call back and confirm the statements were on its way the following day.
On XX/XX/XXXX I contacted Ally via their XXXX contact number to explain I did not receive a call back, and needed confirmation the statements were being mailed to me. The agent said I should expect to receive the statements in 3 - 5 business days. 
Its XX/XX/XXXX and I have not received the statements. 
The truth in lending statement does not fairly disclose the types of finance charges, and interest and payment activity that if made on time, would lead to final interest and finance charges over the period of the loan - its less than I am actually paying ; the monthly summary does not provide month over month accounting of payments made and the impact to principal.

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 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Complaint:
I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX XXXX # XXXX. The dates were XXXX, my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving in to a new apt . I was under the COVID-19 SHUT DOWN. The CARES Act calls these agreements accommodations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
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: EQUIFAX, INC. (MS)

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A States XXXX have the right to privacy. 

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a count with out written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Scott Fetzer Financial Group Inc. (TX)

Complaint:
I have continuously disputed this account with the credit bureaus and the company itself. This account is being reported inaccurately and I want it removed immediately from all credit reporting agencies. It went from closed, paid charge-off in XXXX to having a balance now. The original balance also changed. It went from {$2000.00} in XXXX to {$2200.00} in XXXX.The date opened changed as well. Another issue is that they are updating it ever month as a charge-off. A charge-off can only be charged off 1 time. How are they reporting 3 charge-off on my credit report in XXXX and 2 charge-offs in XXXX? I was denied a loan because they said I have recent charge-offs on my account. They reported a new charge-off for XXXX, XXXX and XXXX of this year. I have attached the copies of my credit bureau report that show the differences.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Complaint:
I sent certified letters to XXXX, XXXX  and Transunion post marked XX/XX/2021 and received return receipt on XX/XX/2021 regarding the validity of 4 accounts on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not received a response from any of the credit reporting agencies, these items should be removed immediately Best regards,

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 2016-04-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (VA)

Complaint:
I dispute this debt because it is a charge for services that were not provided according to my contract with the company. I had technical problems with my XXXX cell phone/internet service. I reported these to the technical department within the 30 day time period for free cancellation. The process of attempting to solve the issues went beyond the 30 day period, but did not solve the problem. So I cancelled my contract. Because I gave notice of technical problems before the 30 day period expired, and they were not able to be resolved by the XXXX technical support staff, then in effect I had cancelled my contract at the time I first called for support. Nevertheless XXXX wants payment, even though they could not solve the problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Peoples Commerce Inc (PA)

Complaint:
I leased a motor vehicle for the amount of {$13000.00} I made all my payments on time paid within the first two months of the leasing the vehicle broke down and I had it towed back to the dealer the dealer asked for additional funds for the car repairs the vehicle was not drivable. Prior to this within my first month I had the vehicle in the dealer 's shop several times and they declined to fix it or giving me another vehicle I was forced to keep a bad vehicle with multiple problems that was unsafe to drive when I declined to pay the substantial amount for repairs I involuntary repossessed the vehicle to the dealership the vehicle is currently in possession of the ownership of the dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

Complaint:
In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX XXXX 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 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 2020-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRSTBANK PUERTO RICO (FL)

Complaint:
I submitted a {$19000.00} Insurance Check to First Bank Florida located at XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, FL XXXX on Thursday XX/XX/2020 at XXXX. The Bank agent kept me waiting for an hour and was unable to give me proof of deposit. I called the Bank 3 days later and the person who answered the phone looked at my account and did not see a deposit for {$19000.00}. I waited on hold 15 minutes to speak to the XXXXranch Manager who said the check was being transferred to a branch 5 miles a way and still in transit. I asked him why it would take 3 days to transfer a check 3 miles and I asked why the check was not showing as a DEPOSIT ON HOLD and he could not provide an explanation. Six business days later the check still does not show as being deposited into my account and when I call the Branch no one can tell me where the check is or why it is not showing as DEPOSIT ON HOLD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
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:
I sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 60 days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief. My information was also impacted by the Equifax data breach and might have got to the hands of the wrong people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (WA)

Complaint:
On XX/XX/XXXX, XXXX XXXX reported that I had a " major derogatory '' account 120 days past due to XXXX credit bureaus. I received an alert thru my credit monitoring service -- I have never received any communication about it or any amount owing whatsover from XXXX. 

On XX/XX/XXXX, I opened an account with XXXX because I intended to port my number from a different carrier, but decided against it and closed my account with XXXX the same day I opened it, on XX/XX/XXXX. I never purchased any equipment, activated a XXXX card, or used any XXXX services whatsoever. I have a statement showing a {$0.00} balance dated XX/XX/XXXX, and that was the last communication I ever received from XXXX. I have never received a bill, statement, notice, email, telephone call or any communication from XXXX XXXX since that date, or any indication that any amount was owing for any reason. 

On XX/XX/XXXX, the day I received a credit monitoring alert, I called XXXX, got passed around multiple times, and both the fraud unit and the " recovery '' unit told me the account had been sold to a collections agency called Convergent USA, and they could provide me with no information about the account, the amount owing, any bill, or the reasons for the report to the credit bureaus. I have never received any notice of any debt, statement, telephone call, email, or any communication from Convergent USA -- yet this alleged debt has been reported to the credit reporting bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
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: EQUIFAX, INC. (TX)

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
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. (AL)

Complaint:
I have three accounts on my credit report with XXXX XXXX  XXXX that I did not authorize, these accounts are fraudulent and they need to be removed from my credit report with all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
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. (PA)

Complaint:
I have asked for this account to be validated multiple times, All i ever received wa the letter i attached below ... ..I was never sent a copy of my wet signature signed contract ... The amount due on the document XXXX sent to me does not match the amount of the balance on a my credit report says how can they claim that they investigated this properly and that it is reporting 100 % accurately? I have attached a few of the letters that i have sent all 3 credit bureaus as well as the letters i directly sent discover via usps ... ..i have also attached a copy of my credit report with multiple differences reporting between the 3 bureaus and multiple violations in the reporting..this account has been re-aged, how are they reporting a credit limit on a charged off account? the high credit limits dont match, date of last payment does not match and im sure there are more that i do not know about ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
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. (KY)

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX XXXXXXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$5100.00} XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX Balance : {$21.00} XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$100.00} 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
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: Avant Holding Company, Inc. (FL)

Complaint:
I contacted the company via phone with a follow up email to their published email address, Three emails, no response to any. Recent bill shows another unauthorized purchase. I paid the first suspect bill last month because I wanted to ensure the account remained current while the bank looked into my complaint. I will not, however, pay this unauthorized purchase. I have blocked the account so there should be no further activity, but do I need to close the account because of such bad customer service?

Company response to consumer: Closed with explanation