hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-01-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (MI)

Complaint:
My name is XXXX XXXX I purchased my vehicle on XX/XX/XXXX, from XXXX XXXX  XXXX XXXX XXXX, XXXX, MI XXXX. When I purchased my vehicle it was already a two-year-old XXXX XXXX XXXX. And the As-Is purchased price was {$15000.00} I made payments from XX/XX/XXXX, until XX/XX/XXXX. At the time of my accident, I had paid Santander {$22000.00} to Santander Consumer USA. I submitted my claim to my Gap insurance company XXXX XXXX XXXX XXXX ( XXXX  ). The GAP insurance should have paid the remaining balance of {$5100.00} but paid {$77.00}. XXXX dollars. And Santander has charged me {$22000.00} so far and now asking for an additional payment of {$5100.00} for my used, totaled vehicle XXXX XXXX XXXX. Of which was savage and paid off by XXXX XXXX XXXX paid over {$6100.00} shortly after my car accident. I was under the impression that everything was paid in full. I received harassing phone calls and statements through the mail from Santander Consumer USA. The problem is I paid Santander {$22000.00} more than the purchased price AS-Is- the price of {$15000.00}. The purchase in XX/XX/XXXX of a two-year-old vehicle was {$15000.00} they overcharged for the vehicle before it was purchased. I paid {$22000.00} already. And now they what me to pay an additional {$5100.00} after the vehicle was totaled on XX/XX/XXXX. And the insurance paid {$6100.00} and I had full coverage and GAP insurance. The GAP only paid {$77.00} because they stated my full coverage paid {$6100.00}. That does not matter if my insurance company paid their part GAP should have picked up what was due. And Santander should not be harassing me at all period? Please help me recover money if I can for the overpayment of the XXXX XXXX XXXX. I believed I was overcharged and there is some kind of law that protects buyers from being overcharged on used vehicles. As well as hold XXXX XXXX XXXX { GAP } accountable for making the necessary payments on my behalf. By paying the existing balance of the salvage, totaled XXXX XXXX XXXX vehicle. Can you have whomever you forward my documents to? Check for all wrongdoing on whomever part. I have enclosed all the documents in my possession on the XXXX XXXX XXXX. I can be reached by cell at XXXX XXXX and on my home phone at XXXX XXXX or by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (CA)

Complaint:
I received two phone calls from American Express XXXX on my cell phone from Arizona and another one at my home phone number. I never applied for a credit card and am concerned that someone is using my identity to open another credit card in my name. I would like for them to stop contacting me and resolve this issue. I have reached out to American Express and will await their response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (PA)

Complaint:
This company has done nothing but harass me over a debt with XXXX they believe I owe. I got a new XXXX, had the plan for a month and got the shut off email ( which I still have and will attach- notice the year, its XXXX  ). One month of service with XXXX just wasnt affordable for me and I closed the account. I got countless intimidating letters from attorneys threatening to sue me. Ive been dealing with this company textbook harassing me but now this, its just the straw that broke the camels back. They put actual lies on my credit report, under MY name. All of a sudden the account is open? HOW MANY TIMES DO I HAVE TO CLOSE IT. Not to mention its a completely different year as well. I have disputed this collection on my credit report so many times and I know Im not being treated fairly- nothing is being done. I refuse to sit here and let this bully of a company put literal lies about me. Also shame on XXXX and XXXX, who couldnt investigate this effectively the first time. The bottom line is they turned my service off a month after I got the plan and continued to charge me month after month for service I was not receiving.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
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: Experian Information Solutions Inc. (LA)

Complaint:
Hello, I have contacted companies on my credit report that you ( XXXX XXXX experian ) has said to say the debt was validated. Well within one day of filling a complaint with XXXX XXXX its ironic they closed the account. Per FCRA you as credit reporting agencies should really investigate and make sure when they send you these automatic validations claiming that they are in deed a consumes debt that in deed they are valid, Like for instance a contract, drivers license and a signature. Its frustrating because me as the consumer has been through XXXX and back with experian just to say, they have said they validated everything when in fact have not. I have sent the same disput letter as I have to XXXX and XXXX when they investigated they removed and corrected debts not owed by me. Experian  you did nothing but send me a credit report and said from findings in previous months its the same meaning you didnt even try the second time to investigate!!!! I wrote a complaint on consumer finance.gov where you stated again that you investigated and these alleged debts were mines. Well here is proof you didnt. Please delete XXXX XXXX from my file as there are many more to come your way experian. Thanks XXXX and XXXX for doing your job and please delete XXXX XXXX from your files as well. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
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: EQUIFAX, INC. (AL)

Complaint:
CRA taking longer than 30-45 days to complete dispute. They are not in compliance with the FCRA & FCBA laws.

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

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$32.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX : XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance XXXX {$15000.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$32.00} Medical XXXX Balance : {$510.00} XXXX XXXX  ( Original Creditor : 11 XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : 10 XXXX XXXX XXXX ) XXXX Balance : {$110.00} TRANSUNION : XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : 10 XXXX XXXX XXXX ) XXXX Balance : {$110.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (CA)

Complaint:
paid off loan ( saved receipt and screenshots and video of XXXX $ balance in branch ) Called XXXX XXXX to verify and inquire abt reducing late fees and was told the remaining late fees were non-negotiable and had to be paid BUT were treated as " completely separate '' from Principal and Interest and that to avoid collections i should pay at least once before 120 days elapsed and that would " reset the 120 day clock '' each month AND that it would NOT report to CRA 's as well. NOW after seeing that the system/they ADDED XXXX XXXXXXXX XXXX $ to my previously XXXX account/loan i called to complain and they said the system puts this on to " keep the account open '' so the remainder late fees can be paid- BUT said they don't know if it will then AUTO-REPORT to CRA 's as being {$1.00} and 30days or whatever amount of days 'late ' which would be both illegal and inaccurate. ( As i don't actually owe the underlying 'phantom ' dollar ) Just the late fees, which per their policy don't get reported.

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 2021-09-01
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (OK)

Complaint:
I was an authorized user on my wifes two Citi credit cards, and I was removed as an authorized user in XXXX and was told it would be removed from my credit report when the next statement closed. It was not, so we placed another call to Citi who advised a dispute should be open with the credit report agencies. Submitted dispute, and Citi certified to XXXX  the information reported was correct. Confirmed with Citi that I am no longer an authorized user. Citi advised I would have to write their dispute department and provide the full account numbers which I do not have to write this letter as Citi would not provide this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint:
Dear reader, I am reporting a complaint and potentially I may even file a law suit against XXXX, Transunion, and XXXX. After looking over my reports I have discovered some things that are beyond belief and disturbing, the amount of inaccuracies that are on my report are unbelievable. I would like to start off with the addresses : Current Address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX Other XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX Other XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX As you can see these addresses are not mine and are fraudulent. My home address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and on that report which I will be providing for you all it reads that my current address is XXXX XXXX XXXX. Incorrect I have disputed with this company and to find out that all this is on my report is beyond frightening. I also filed a identity theft report as well. I also saw over XXXX phone numbers all of which are not mine and these numbers are : Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Not to mention the amount of fraudulent collection accounts, hard inquiries, and soft inquires. The collection accounts are as follows : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As you can also see I haven't checked my report in XXXX and to find this I wonder what else is illegally being reported on my credit reports from the other agencies.

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 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERIS BANCORP (GA)

Complaint:
My auto loan originated with XXXX XXXX, Ameris Bank took over XXXX XXXX  along with my auto loan. My auto loan was reported as closed to all three major credit bureaus when Ameris took over XXXX XXXX, when I called Ameris Bank about not reporting my loan to credit bureaus they indicated that it takes time for loan to be updated and reported to all three major credit bureaus. It has been over 9 months since my auto loan was reported as closed to all three major credit bureaus, since then my auto loan has only been updated as opened with XXXX. I have called Ameris Bank customer care over 9 months and every month I call I get a different answer. Most times I am told that my auto loan will appear next month with XXXX  and XXXX, but that has not happen. I would like for my active auto loan with Ameris Bank to be reported as current along with my payment history to all three major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
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. (TX)

Complaint:
I sent a dispute straight to XXXX  ( XXXX XXXX XXXX XXXX about late payments they were reporting on XXXX. I sent multiple disputes to the bureaus XXXX, XX/XX/21. I can not get a response from XXXX  via mail. i can not access their online account. i get notice that they sent me an account message that says they will complete my dispute within 24 hours then nothing. Everytime i send over a dispute, they update the information instead of deleting and they have had more than 10 errors in the reporting. I made payments for the months it shows late. They have late payments showing all 3 bureaus at different times. They show in balance history payment being made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX but then reported i was 120 days late in XX/XX/XXXX with equifax and XXXX and 180 days late at that point with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (MO)

Complaint:
1. CBS is pursuing me as an independent collection agent when the originating provider of services ( XXXX XXXX ) is actively accepting payments from me. Further, because XXXX is accepting payments from me, CBS has an incorrect and higher balance than I owe/am paying to XXXX. 

2. It is my understanding that if the business I am obligated to pay is accepting payments from me, it can not be a collection account being pursued by an outside agency at the same time. It also can not be reported adversely on my credit by said collection agency. 

3. CBS has admittedly reported adverse information to credit bureaus causing me harm.

4. CBS is further pursuing me for a debt that is not mine and that CBS has no business sending privacy information to me of someone else 's account, and has admittedly reported the debt to credit bureaus causing me harm. 

5. CBS has refused my demand to correct their faults and continues to send threatening tone letters. They also continue to share information about the debt that does not belong to me, which is clearly evidenced in the itemized statement they sent ( I am not the account guarantor ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WI)

Complaint:
CFPB : XXXX This is a continued problem with XXXX XXXX XXXX. XXXX XXXX XXXX has deleted all of the payment history transactions after having 3 errors on my account. I am now not able to view my payment history from XX/XX/XXXX-XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Complaint:
some how since XXXX of 2022 trans union erased my credit score i contact them many times they claim that they never had any score or credit history on my name i told them before XXXX every month my mortgage and credit cards and car leasing was reported ther so they told i need to call the banks to tell them that they need to retort it so i called them and they told me that they doing it every month for the last 20 plus years on my name. i will send you my also credit report that trans union have my score and all my loans, please help me here cause im getting denied on loans. 
thanks

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 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SECURITY FINANCE CORP (SC)

Complaint:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

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 2021-03-15
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: CCS Financial Services, Inc. (CA)

Complaint:
Around XX/XX/2021, I pulled my XXXX credit reports and noticed fraud on each report. The debt was fraudulently and erroneously reported on my credit reports. I did not open the accounts and did not authorize anyone to do so on my behalf. This information belongs to someone else, who I have no knowledge. I'm not an existing customer of these organizations. The organizations were contacted via telephone and can not provide any contracts or signed documents with my signatures which can link me to the debt. On XX/XX/2021, I notified each credit bureau of the fraudulent accounts which are unauthorized. The credit reporting agencies have advised me to file this complaint with the Consumer Financial Protection Bureau. 

Please see the fraudulent accounts and amounts below : XXXX XXXX XXXX {$100.00} Indigo - XXXX Bank {$690.00} XXXX XXXX {$0.00} Thank you for your time and support.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENOVA INTERNATIONAL, INC. (GA)

Complaint:
On XX/XX/2020 there was an unverify entry on my credit report. I have previously sent letters by mail to verify the validity bof this information on my credit reports. 
I tried to settle this account even without verification but company refuses to remove unverified account.

Company response to consumer: Closed with explanation