hpe-ai/customer-complaints-eval.csv huggingface dataset:
Consumer complaint received 2023-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint:
The unverified items listed below remain on my credit report in violation of Federal Law. Rather than immediately remove the items listed below per federal law, you opened up a dispute for these items, contrary to my request. I am NOT disputing these items, I am demanding that they be removed if you can not provide me visual proof that I have signed a contract for this account. 

You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing dated XX/XX/23, received in the mail by me XX/XX/23, that you " verified '' that this item is being " reported correctly. '' Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a serious consumer fully intent on pursuing litigation in this matter to enforce my rights under the FCRA.

According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit and has. Caused me emotional distress. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

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 2022-01-24
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: Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Product: Credit card or prepaid card 
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: VA

Complaint:
Never received bill in month if XXXX but when i received XXXX bill, I saw missed payment and paid required amount. 

Phone calls from the bank coming all hours of day and night. Had to install robo killer device on cell. The continue to disquise calls as unknown. I request them to stop as payment was made electronically thru my bank and confirmed delivered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts is UNKNOWN to me and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX Date Updated : 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 2022-06-26
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: EQUIFAX, INC.
State: CA

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX US DEPT OF EDXXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have a 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint:
Incorrect amount being reported to credit bureaus for vehicle loan repayment.

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 2020-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint:
XXXX- I have been a victim of identity theft and should be receiving free credit monitoring which XXXX has locked me out of my account, continues to solicit monthly payment of XXXX a month, reports inaccuracies on my credit report after several disputes and letters violating FCRA with no documentation of proof resulting from their investigations. I have tried calling numerous times resulting in no answer the numbers they have advertised. I have also used credit repair agencies and advice to follow from professionals and still have had no success. 

XXXX Continues to report inaccurate information on my credit report after several attempts to dispute. My credit score has increased due to good payment history. Between XXXX XXXX in one day my report showed a report of good payment history with the removal of an inquiry, and payment decrease which showed a increase and decrease in the same day of 57 points. On my trans union and XXXX reports my scores are in the XXXX range. XXXX continues to report inaccurate credit scores and accurate information. I have used professional services, sent several dispute letters, and questioned their violations of FCRA. They have not mailed me proof of any disputes showing signature and documentation, and have allowed changes to my account with incorrect updates, information from creditors harming my credit file. I am requesting a full investigation to their practices and would like to seek damages as a result to their practices.

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 2022-02-04
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: Specialized Loan Servicing Holdings LLC
State: FL
Tags: Servicemember

Complaint:
PLASE HELP ME Complaint Against Specialized Loan Services LLC Account No : XXXX XXXX XXXX Foreclosed PropertyAddress : XXXX XXXX XXXX. XXXX, GA XXXX Property Foreclosed : in XXXX I, XXXX XXXX, bring this issue to you once again as Ive been trying to deal with issue for years and no one at Specialized Loan Service, ( SLS ) will address the credit reporting errors. I have contacted SLS over twenty times with no one to help me. 

In XXXX, I submitted paperwork for a home loan and was denied due to SLS reporting a XXXX foreclosure that was reporting still active and reporting late when the property in question was CLOSED. The reporting caused me a great deal of distress as I contacted SLS pleading that they make the correction, and remove it from credit reporting. It was requested by SLS that I send my request in writing, which I did send via Certified Return Receipt. I received the receipt of acceptance from SLS, however, they continue to report the account to the credit reporting bureaus. Due to the incorrect reporting, I lost out on purchasing a home as no lender would work with me. 

In XXXX, I am in the process of purchasing a home and once again, SLS has not removed, nor have they corrected the incorrect information they are reporting to the bureaus. It is imperative that this be corrected asap! I can not lose out on purchasing a home once again due to SLS violating my rights as a consumer and disable veteran. There is no reason why SLS can not make the correction and also remove the account from reporting as its a very old account that continues to hurt my rights of purchasing a home for me and my family. This has caused me so much emotional distress, and XXXX. If this is not corrected, I will lose out on another home. If this is not corrected, I will seek legal counsel for emotional distress and damages. 

I seek your assistance with this issue that I can not get SLS to correct. 

Thank you, I may be reached at 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 2023-08-17
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: CA

Complaint:
My credit report is showing late payments to XXXX XXXX XXXX and XXXX  XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.

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 2022-08-13
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: Difficulty submitting a dispute or getting information about a dispute over the phone
Company: World Acceptance Corporation
State: KY

Complaint:
World Finance Needs to remove incorrect information from all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint:
The credit bureaus are illegally reporting inaccurate information on my credit report.

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 2020-07-23
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: EQUIFAX, INC.
State: FL

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
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: EQUIFAX, INC.
State: NC

Complaint:
This is my six 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 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 US DEPT ED XXXX XXXX  : {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
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: NC

Complaint:
XXXX XXXX  was sent a letter of dispute. After review of my credit reports, XXXX XXXX  has not marked my account as disputed as required by the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Product: Credit card or prepaid card 
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process
Company: CITIBANK, N.A.
State: OH

Complaint:
On XX/XX/XXXX I mailed a check in the amount of {$2700.00} to Macy 's XXXX XXXX , to be paid towards my credit card balance. For 3 weeks I waited and they told me they never received it. On XXXX XXXX 2017 I  called my bank and they said Macy 's cashed the check on XXXX XXXX 2017. It still did not reflect on my account. So I called Macy 's to ask where my money went and they said they 'll need a form faxed from the bank to confirm payment. The bank faxed the form and I called Macy 's back to see if they received it. They said they 'll need to investigate and it could take up to 2 billing cycles ( 2 monthhs ) to get it corrected. I severely needed this check to go through to Macy 's as soon as possible and now they are at fault and not taking proper measures to ensure customer satisfaction.

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 2018-09-16
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: Experian Information Solutions Inc.
State: PA

Complaint:
XXXX  XXXX XXXX XXXX was recently removed from my credit report. It than reappears but states that last payment was missed XXXX of XXXX which is not valid. Per my credit history and there company last payment from me was received XXXX during the repossession. I spoke to a customer service rep at the company who stated she would get this item removed from my credit report. However it has not been removed and it has shown open and than closed more than 3 times. I have tried to work with the credit reporting people and sent 3 request to have this removed since the account is from XXXX. However I have been unsuccessful in this process as well. It has caused my credit to fluctuate up and down and I was denied a loan due to this incorrect information on my report. Both my credit report and the company show that my last payment was in XXXX but they are reporting this to the credit bureaus more recent. If the information were to be actually accurate I would owe nothing and the company would actually owe me money per my investigation. 
Can someone please help me

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 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint:
Company continually displays incorrect information on my account, an account was paid in full and closed and now they are trying to report it as 6 months delinquent. Another account was inaccessible for months to make payments and they also reported that as delinquent. I called multiple times attempting to pay, but it is common knowledge their system was down for a long time and my account was being reported incorrectly.

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 2018-03-19
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: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Tags: Servicemember

Complaint:
I paid my balance in full on XX/XX/XXXX my bill isnt due until XX/XX/XXXX. Capital one is holding on to payments until the payment due date to ensure interest charges are applied. I thought I was the only one experiencing this issue until I made a XXXX  dollar payment on my husbands credit card that I am an authorized user for. The payment will not post until XX/XX/XXXX although I made the payment on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: AZ

Complaint:
On XX/XX/XXXX I received a text from SCHWAB Visa Debit card that my card was used in XXXX XXXX for {$1.00}. A minute later another text that my XXXX debit card was used for {$430.00}. and another text if I authorized this transaction Yes or No. I replied NO. Right away I called Schwab and reported these transactions. SCHWAB canceled my Debit Visa. 

I only had {$300.00} in my checking account, the fraudulent charge was for a larger amount and I noticed that SCHWAB transfer additional money to cover the charge from my brokerage account. 

On XX/XX/XXXX I called SCHWAB and asked if they are going to revert the charges. They said they are investigating the case and don't know. Depending on the investigation the decision will be made once the investigation is completed. 
In the meantime, I have no cash left in my checking and brokerage account. 

Why can they allow fraudulent charges to clean my account and not fund my account? I did not make these charges, The cards are in my possession and I clearly have not authorized the charge by promptly replying to Schwab 's text.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint:
I'm unsure as to what this account is about. There's also a report date of XX/XX/20 on my report that is incorrect and false. Please do not respond with an automated message.

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 2020-06-09
Product: Debt collection 
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt
Company: Brown’s New Credit Bureau Inc.
State: GA
Tags: Servicemember

Complaint:
My medical debt was transferred from XXXX XXXX XXXX to Browns Collection Service in XX/XX/XXXX. In XXXX of XXXX I explained that I did not have the funds to pay in full and could realistically pay {$200.00}. They told me the minimum was {$280.00} and that it was a courtesy they didn't need to offer. I sent 3 payments, only 2 were received. They are now threatening me with a lawsuit if I do not pay in full. During a global pandemic. I do not have the funds to pay {$3600.00}. When I was trying to work out an arrangement, XXXX XXXX was rude the entire time. Told me I was " lucky '' to even be getting a payment arrangement, and that the lawsuit would take care of dealing with me if I couldn't. XXXX has yelled at me numerous times, told me I was poor with money management, alleged that my husband should take care of it if I couldn't, and said my inability to pay was " luxury items '' she told me I had no reason why I couldn't take care of it, didn't ask if I was struggling with employment, or other life events, and said that she was the expert after 20 years of doing this and that my account isn't special. XXXX. Unreasonable torment for someone that's just trying to do the right thing and pay their bills.

Company response to consumer: Closed with explanation