hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint:
Hello my name is XXXX XXXX, I am contacting you in regards to the activity on my credit report that I am having issues with. In regards to these particular Creditors being pain in full and taking money from me through the IRS. After being completely removed and free of debt, The creditor or hacker has [ placed the debt back on my accounts after a data breach and I have been trying to get it disputed, I dont know how they lost my data but this has been paid and you can see that it says paid in full but it doesnt explain why the money is back revolving. Which you can say has crashed my credit score from 730 to below 500. I am also not able to see the right payment transactions or even their association with XXXX XXXX which has been used to disregard and they have gone through a data breach as well. This will be my second Attempt to ask them to take this down. When I am contacting these companies they are not giving me a direct answer or being fair like I never paid these off. 

This is most recent disputes. 



XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account number : XXXX Dispute requested XX/XX/XXXX XXXX through Experian Report # XXXX Reason and statement : Paid in full. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX ( XXXX ) XXXX Account number # Dispute requested on XX/XX/XXXX through Experian Report number # Estimated date of resolution XX/XX/XXXX Reason and Statement : The car that was financed by I, XXXX XXXX, was obtained by the dealer and should be seen as collateral. In compliance to the balance, there should be none. 




XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX, Va XXXX ( XXXX ) XXXX Account number # XXXX Dispute requested XX/XX/XXXX through Experian @ XXXX Report number # Estimated date of resolution XX/XX/XXXX Reason and Statement : Account was paid in full by I, XXXX XXXX XXXX XXXX of XXXX. 



XXXX  accounts XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX Account number : XXXX Balance : {$1600.00} Dispute requested XX/XX/XXXX through Experian XXXX XXXX Estimated resolution date : XXXX XXXX, XXXX Reason and Statement : Account was closed in XXXX, resolved through claims court in XXXX, Ca I also now have things on my account saying I have a mortgage. When I do not own a house. Now as I check my accounts through Experian, I noticed that XXXX and XXXX have the accounts closed on the other side but they say otherwise they should say paid in full or settled in court.

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 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint:
On XX/XX/2021, I send a letter to XXXX, XXXX, Equifax, and XXXX XXXX from US Bankruptcy Cout saying they did not report to the following companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Product: Debt collection 
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint:
This morning I had a XXXX collector call me and I was explains the the situation on how I 'm trying to find away to pay the debt I owe. He then was being very judgemental and rude and disrecptuful. He first said I had 7 years to pay this off I should have paid it then, I told him he has no right to tell me what I should have done in the past 7 years I stated I had a lot of things happen in the past 7 years to me. He kept saying it over and over I told him I need to go I have a sick child to attend ( my son was XXXX ) and he just kept badgering me on the phone until I hung up on him. I then called to report him to a supervisor and that person was then badgering me that I should have paid small amounts and I would n't have to deal with this. He did n't seem to care how rude is employee was, pretty much told me well he 's doing a job and the info we have In front of us, and that I have been telling them I 'm trying to borrow money to pay them since 2014 so they are tired of me saying that, That i should have made any payments so then I would n't have to deal with them. I told him I 'm tired of going. Back and forth he is not listening and he has no right to lecture and disprect me. I just hung up on him.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card
Company: Genesis FS Card Services, Inc.
State: NY

Complaint:
I contracted with the GENESIS FS CARD SERVICES for a credit card AND UNBEKNOWNST TO ME I was not given full disclosure which is a violation of Regulation Z of the TILA ( TRUTH IN LENDING ACT ). I authorized permission to representatives of the company to discharge the total amount of the debt in full pursuant to HJR 192 and Public Law 73-10 and was not given proper remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX, MI XXXX XX/XX/2022 ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00}

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 2021-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint:
I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in an envelope sent to all three credit bureaus ( Experian, XXXX, and XXXX ), this was 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. The account was also deleted from my XXXX  report as well so in order to correct the inconsistencies between the Experian, XXXX, and XXXX  credit reports, the account needs to be deleted from the Experian and XXXX  credit reports immediately. 
The information for this account listed on my credit report is : CREDITOR : XXXX XXXX ( Experian ) and XXXX XXXX-FINANCE ( XXXX ) DELAWARE, BALANCE {$0.00}, OPENED XX/XX/2012, ACCOUNT XXXX ( Experian ) / ACCOUNT 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 2021-02-22
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid
Company: EQUIFAX, INC.
State: TX

Complaint:
I have put in a number of disputes ( most of which wont generate in their system ) about a collections account for XXXX  XXXX. I have reached out to XXXX XXXX on a number of occasions in which they have requested Equifax to remove the collections from my report. I paid this account off in XX/XX/2020 and was recently denied a home loan because of it. Even after disputing the account with Equifax and the dispute stating the account will be removed, it is still there and negatively affecting me in more ways than one. I believe this is the second complaint I have submitted to CFPB in regards to this matter. I am requesting this account be promptly removed from my credit report. Again, both I and the creditor have asked for this account to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022

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 2018-09-14
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process
Company: SYNCHRONY FINANCIAL
State: VA

Complaint:
I overpaid them in the amount of {$71.00} and they acknowledged that. But each time I called they gave me the same answer that they are waiting from who ever handled the investigation and I will be notified this was going since XX/XX/2018. 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 explanation
Consumer complaint received 2019-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint:
Equifax and XXXX are reporting incorrectly that I am ( 60 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Product: Debt collection 
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid
Company: FirstPoint Collection Resources
State: VA
Tags: Servicemember

Complaint:
The collection company, First Point Resources, has yet to show proof that I did NOT pay an alleged to debt to XXXX  XXXX XXXX. They've only showed a bill. There's nothing to show that I did NOT pay the bill. They just choose to tarnish my credit worthiness without proof and taking the word of their money hungry client XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: IL

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX, there are excessive inquiries on my credit report for auto financing. These inquires are not permissible. I did not authorize these inquiries, provide any personal information or a signed statement authorizing inquiries. I approved inquiries while auto shopping however those inquiries are not the ones I am disputing. I am aware dealerships will submit applications to multiple financing companies to shop around for the best rate. I did not authorize this and would have never allowed abuse of my credit reporting in such a way. I have reached out to your company regarding inquiry and was denied removal. The unauthorized inquiry has a negative impact on my credit score and future opportunities.

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 2023-06-03
Product: Vehicle loan or lease 
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem
Company: Lendmark Financial Services
State: MD
Tags: Older American, Servicemember

Complaint:
MY complaint or request is to Lendmark Financial, who i've been making my car payments to the past year. 

From time to time during the payment process and as recorded on the monthly statements, the interest payment amount has been recorded very low. This has happened several times duran the 12 month payment period. 

See attached : THe XX/XX/XXXX statement shows the paid Interest amount as : {$330.00} - with the Principle amount being only : {$13.00} I've reported previously about how Lendmark Financial ignores the contract or payment document that sets the first payment being XX/XX/XXXX, but instead reports the first payment to the credit bureaus as XX/XX/XXXX. They also report for both XXXX and XX/XX/XXXX showing the amount due for those amounts, but nothing recorded as paid for those two months. This of course caused my credit score to drop over XXXX, because the credit reporting is showing the first two months ( XXXX ) as missed with payments starting only for XX/XX/XXXX. 

Lendmark refused to correct that wrongful credit reporting that cripples my credit reporting by pushing my score below XXXX. 

Now they continue to wrongfully record the amount that should be recorded on my account, it seems to further cripple my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint:
I have been trying to apply for a mortgage loan, and i have three accounts in collections that have a dispute remark saying consumer disputes this account information. These dispute remarks on my credit report is interfering with the mortgage loan process. I have called Equifax, XX/XX/XXXX and XX/XX/XXXX multiple different times about having these dispute remarks deleted from my credit report. They would tell me it is completed, and i would check my credit report, and they are removed. Then i would receive a notification saying that the dispute remarks are back on my credit report. This has been going on for the past four months. I would call the credit bureaus back and they would say the collection agencies are the one that keep reporting the dispute back onto my credit report. I have called and talked with the collections agencies and they say i am not in a dispute status on any of my accounts nor did they see they are still reporting a dispute remark. 

I started to call the credit bureaus XX/XX/2020 and I recently just called on XX/XX/2020. 

These are the three collection accounts : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Original Creditor : XXXX XX/XX/XXXXXXXX Balance : {$730.00} XXXX XXXX XXXX Original Creditor : XXXX XX/XX/XXXX XXXX Balance : {$690.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Product: Debt collection 
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds
Company: STERLING JEWELERS, INC.
State: VA

Complaint:
Apparently this company Kay jewelry or the debt company XXXX XXXX XXXX keeps harassing me with multiple phone calls, threatening to take my car away and to call my employer to garnish all my paychecks 25 % when I clearly asked them not to. I havent had a credit card with Kay jewelry for almost 10 plus years and I have been spoken with someone during that time to pay off my credit card a different debt collection company for {$200.00} every month to help pay for it. I have never heard of this current debt collection from Kay jewelry/ XXXX XXXX XXXX I am constantly being harassed every day with phone calls and threats to take away my car and any kind of property I have. This needs to be stopped because I have paid off my debt and its no longer on my credit debt list

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint:
I want to do a complaint because I keep getting notifications in my email about trans union running my credit this one is from XXXX my credit was run on XX/XX/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 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXXXXXX has violated my rights. 
15 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.

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 2019-05-09
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint:
I have a Chase credit card which is incorrectly reporting data on my credit report. The company is not helping resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service
Company: CITIZENS FINANCIAL GROUP, INC.
State: TN
Tags: Older American, Servicemember

Complaint:
I have always had excellent credit. This last month I noticed a XXXX drop in my credit rating. I found that a credit card was compromised during a two-month period for monthly payments of {$28.00} each. This has since been corrected, but how can I fix the credit report?? I am devastated.

Company response to consumer: Closed with explanation