hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2023-02-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2021-02-04
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (IL)

Complaint:
For approximately a {$500000.00} loan, which had both statutory and loan provision arrangements for restructuring, the bank reported unnecessary and harmful reports that it did not have to make to damage credit. It then reclassified borrower into a customer tier that prevents refinancing of the loan, that other customers can do. It then failed to update credit reports that all obligations of customer were in conformity with loan provisions or statutory provisions and instead reported and continued to report delinquent. The loan was also fully cured. The report and treatment and exclusion from products the bank has in place now for other customers with similar properties continues to be denied and extract some {$2000.00} per month in punitive improper interest. This rate penalty and product exclusion have been ongoing for at least two years and continues without redress. The report limits alternatives to this lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
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. (LA)

Complaint:
I have been the victim of troubling and on going ID THEFT. I have had a fraud account that was removed from my credit report and Experian has in the past removed it and now they are re-reporting it. I have sent in police reports as well as other supporting docume nts.    XXXX   XXXX   WITH A BALANCE OF  XXXX  THIS IS A FRAUD ACCOUNT AND NEEDS TO BE REMOVED. I HAVE SPOKEN WITH   XXXX    AND WAS TOLD IT WAS EXPERIANS RESPONIABLY TO REMOVE THIS

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 2020-07-13
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: DISCOVER BANK (TN)

Complaint:
My husband recently downloaded a budgeting app and when he entered my Discover Credit Card, he saw a charge for Payment Protection Plan. Since I usually just pay online and avoid reviewing individual transactions, I had never noticed the charge. The most recent charge on XX/XX/XXXX was {$83.00}. We called in and find out I have been enrolled in this Plan since XXXX of XXXX. I could not believe it. I opened the account as a college student and I distinctly remember agreeing to a monthly Wallet Protection for {$3.00} a month, which I have taken advantage of in the past, but never a Payment Protection Plan. I remember pondering whether or not to agree to the {$3.00} Wallet charge because I was a working college student and was careful of every dollar in and out. The manager on the phone said the Payment Protection Plan began on XX/XX/XXXX, and was opened based on a call at XXXX XXXX   on XX/XX/XXXX, a Thursday Night. There is no chance I made that call, and I know I never agreed to this plan. I asked the manager if there was any proof written or any recording of a call where I agreed, and he couldnt come up with anything. He just said the best he could do is cancel the plan and refund us the past 6 months, that would equal {$460.00}!! We looked online and could only go as far back as XX/XX/XXXX, he is mailing us our statements back to XXXX, but each month since XX/XX/XXXX I have been charged $ XXXX {$100.00}! This charge each month has affected me in more ways in my life than just having a high card balance. We researched and found over XXXX XXXX consumers have been affected by this same tactic by Discover Bank. I feel insulted at the offer of {$460.00}, and I believe I am owed a full refund for the total amount I was charged without my knowledge or consent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-07
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. (PA)

Complaint:
there are 2 illegally report items on my report that need to be deleted now, see letter attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Corp Solutions Inc. (NJ)

Complaint:
I have debt on a XXXX XXXX  credit account. It has gone to collections, and I have been paying the debt to XXXX XXXX XXXX, XXXX since XXXX, 2020. Another collection agency, Credit Corp Solutions has contacted me sporadically over the past year to try to collect the same debt. I have tried to contact them but they never answer or return messages or emails. Now, Credit Corp Solutions has hired an attorney ( XXXX XXXX XXXX , XXXX ) to sue me over this debt. The law firm has not returned my call either. I have record of trying to contact them both. Credit Corp Solutions also didnt start to send me letters until after I started the pay plan with XXXX XXXX XXXX, XXXX. Attached files show the collector I am paying, and the LAST contact from Credit Corp Solutions and the date of that, as well as their attorneys letter and the date

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Immediate Credit Recovery (CA)

Complaint:
My name is XXXX XXXX I am reaching out to the Dept. of Education and Immediate Credit Recovery. Account # XXXX I have written all 3 credit bureaus and Immediate Credit Recovery about placing my student long account in forbearance or deferment because of the Covid-19. Everyone else in the United States and my friends all their student loans were place in forbearance or deferred but mind is still reporting as Charge Off and my credit scores with no job. I can not get a place to stay because I am not working and my credit because of these student long reporting as Charge Off is ruining my life. I am asking and pleading the Dept. of Education and Immediate Credit Recovery who I didn't even know had my student loan in collection. I never received a letter until XX/XX/2021 after I wrote to the credit bureaus and Dept. of Education. I talk to my Attorney General 's Office they told me to write this letter to CFPB asking both the Dept. of Education and Immediate Credit Recovery to place my student loan in deferment or forbearance. Until I can get a job and place to stay. Also, my Attorney General 's Office said that Immediate Credit Recovery can not collect in the state of California because it is not license or have a registered agent. They are validating Federal and State laws along with FCRA Sec. 605 ( c ) and FDCPA Sec. 807 ( 8 ) & Sec. 805 ( c ). As a consumer I am suppose to be afforded protection under these laws. This causing me not be credit worth of any new credit or to get a place to live. I highly appreciate that you can assist in either removing this off my credit or update as current.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
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. (VA)

Complaint:
My XXXX  credit report shows a status of, " Discharged through Bankruptcy Chapter XXXX / Never late '' as of XX/XX/2020 against my mortgage. 

The problem is that my mortgage was NEVER discharged through bankruptcy which they should know because my mortgage is through them. 

I would really like to get a mortgage with a lower interest rate and this is preventing that from happening.

Company response to consumer: Closed with explanation
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. (WA)

Complaint:
People of United States of America, XXXX, XXXX XXXX, XXXX  XXXX of the United States, non-citizen, native Georgian, surety of the XXXX XXXX XXXX XXXX, demand my right to privacy. 

On XX/XX/2022, by certified mail number XXXX XXXX XXXX XXXX XXXX , People , XXXX, XXXX XXXX sent EQUIFAX notice of the corporations invasion of privacy pursuant to the Fair Credit Reporting Act. 

All information was received and signed by " XXXX '' on XX/XX/2022. 

The Inaccurate Consumer Report in dispute has not been properly updated, given the instructions to remove and delete private information inside said notice to EQUIFAX. 

I demand Equifax remove all private accounts and inquiries for failure to use their grave responsibilities to ensure the accuracy of the report being reported. I do not and have not ever consented to any information Equifax reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
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: Experian Information Solutions Inc. (KS)

Complaint:
I have been disputing incorrect fraud related information for almost a year. Sent I. The ftc reports and told them I wanted the information blocked and removed they will not remove it and it has now been over 35 days and I have heard nothing since I sent the last letters which would be 6 letters of dispute and 100 online disputes and 3 phone disputes

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 2020-11-30
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. (MD)

Complaint:
Dear CFPB It has been over a year now that i had i notice a collection account wrongly reporting on my consumer report. I disputed the account as been inaccurate. XXXX, XXXX  and XXXX deleted the collection account because they had investigated and found out this above named collection account has been reporting inaccurately on my credit. Transunion on the other hand kept telling me that that same account was verified as been accurate. I then noticed that the personal identifiers linked with the account were not mine so i sent a new dispute out to Transunion requesting investigation and deletion of those erroneous personal identifiers. TransUnion has investigated and deleted those identifiers but has kept that collection account on my credit report. i had sent out a letter to Transunion demanding that they provide me with they process of ensuring accuracy of the above mentioned account. Please review the attached copy as you will find out that Transunion has not provided me with a process of ensuring the accuracy of the collection account and has not even properly investigated the account otherwise they would have found out that this account is reporting inaccurately and delete it just as every other credit reporting bureau did.

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 2021-02-18
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: Team Recovery Inc. (OH)

Complaint:
I disputed inaccurate information on my credit report with XXXX, XXXX, and XXXX. XXXX  and XXXX  has deleted the inaccurate information but XXXX  refuses to do so. Ive sent them copies of my credit report but they keep reporting it. The company has not sent me any contract or anything due to these collections not even being mine, the company has yet after 6 months to send me anything with my signature on it stating that these collections are mine. 
XXXX  and XXXX  have deleted them and I want XXXX  to do so as well its messing me up at getting approved for the house of my dreams because These collection are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

Complaint:
OnXX/XX/2018, Chase Bank send me letters informing that Chase decide to close my checking and saving accounts, and the process is not reversible. Chase didn't provide any more information and reasons for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems (GA)

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

Complaint:
XX/XX/2020 I talked to XXXX who is a manager in the checking account department for Capital One and was told he was unable to close my multiple checking accounts. XXXX did inform me he will escalate the closing of my accounts up to the security department who put the hold on my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CO)

Complaint:
I responded to an online offer from Citibank for a {$700.00} bonus for opening new checking/savings accounts. The offer required me to open a new Savings account and a new checking account, deposit {$50000.00} within 30 days and maintain said balance - over both accounts - for at least 60 days after that. I had to apply for the offer online only, and I did so from the correct page. I opened both accounts with an initial deposit ( each ) of {$25.00} on Saturday, XX/XX/XXXX, and these accounts appeared in my online profile on Monday, XX/XX/XXXX. On that day I transferred {$50000.00} into the XXXX account, and that money appeared in the account on XX/XX/XXXX. From XX/XX/XXXX onwards, I therefore had to maintain that balance for 60 days at least to qualify for the {$700.00} bonus. Around XX/XX/XXXX - well after the 60 days - I rang Citibank to see when the {$700.00} would be credited to my account, and I was specifically told that yes, I had satisfied all of the conditions for the offer, and that the {$700.00} would be credited by XX/XX/XXXX. On XX/XX/XXXX, the {$700.00} has still not appeared, so I called Citibank again, and was told by " XXXX '' - who confirmed this with a " personal banker '' that the {$700.00} would be added to my account " today ''. On XX/XX/XXXX the {$700.00} still had not appeared, so I rang Citibank again and spoke at great length with " XXXX '', who also then spoke with a " personal banker '' on my behalf. At first XXXX said that they couldn't find the " promotion code '' that should have applied to this offer, but when I asked why this had been confirmed as being satisfied by TWO previous Citibank representatives, he said he would " check again '' and - having done so - did indeed see that the promotion code was there. He then said he would file a " request '' for an investigation on why this offer had not been honored by Citibank. That request has the following ticket number : XXXX. He told me it would be another " 5 business days '' before that request would be addressed. I 100 % satisfied every single requirement of this offer, and Citibank has had my {$50000.00} for 155 days now. I have earned a total of {$19.00} interest on this money, and only did this to try to get the {$700.00} bonus. It seems Citibank is trying to cheat me out of this after I have diligently satisfied all conditions and trusted them with my money. They have made a great deal more than this {$700.00} on MY money during this time, and it is frankly criminal that they can get away with this flagrant abuse of a faithful customer. I have my internet browsing records from early XXXX, XXXX, and can prove that what I was is true ( see attached ). All of the above information can be easily verified - and has been - by Citibank, but still the offer has not been honored.

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 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Complaint:
I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2022-05-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Complaint:
XXXX When I applied with for this loan at the XXXX dealership I also had other financing options. USAA gave me a fixed rate of a high 4 % because I didn't enroll in autopay. Then last year sometime as I was making my payment I noticed my rate was in the mid XXXX 's. I'm super busy and didnt make time to call in and address. When I paid off my car, the rep I spoke with mentioned that I had a 6.09 %. I'm a mortgage loan officer so rates don't confuse me and I shopped my options. I know I didn't agree or sign disclosures for a 6.09 % with a credit score in the mid XXXX 's. I called in and the rep said my initial disclosure was the 6.09 %. I did not sign this rate, I reviewed my docs before and knew my options. USAA was hacked and please forward this to the appropriate dpt. I've reported this with the FBI because I believe I'm being personally attacked as this has followed me else where. If you listen to the phone calls and they are scrambled it's because those calls were edited and hacked. As I've experienced this in the mortgage industry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Patrick K Willis Company Inc (LA)

Complaint:
In XX/XX/XXXX I have asked this company to stop contacting me and gave them a verbal cease and desist. They broke this cease and desist on today XX/XX/XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Complaint:
My account with Capital One Auto has had many late payments reported to the credit bureaus even after I paid the payments to them. Their system had some problems processing my payments so after I paid the payment they never took out the funds and then never notified me the payment did not go through even though I had the money for the payment. I have many many, many calls to them complaining about this problem which they never had a solution for or any action taken. They said it was my bank but I have never had any problems with any other company including a credit card I have with the same XXXX XXXX XXXX. This problem has ruined my credit. 
I would like the late payments removed from my credit report on all three credit bureaus. 
I do not have any late payments with any of my other creditors and have never had this problem with any other bills I have paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
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. (MI)

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

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

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief