hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score
Company: Giact Systems, LLC
State: PA

Complaint:
I unable to obtain a copy of my consumer report, I requested it three months ago, and still have not received it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Product: Vehicle loan or lease 
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate
Company: AMERICAN HONDA FINANCE CORP
State: TX
Tags: Servicemember

Complaint:
My complaint relates to interest and excessive late fees. 
On the interest rate issue, the contract my wife and I signed on XX/XX/XXXX stipulated that the total payments ( interest and principal ) will be {$33000.00} ( XXXX * XXXX ). See attached copies of the contract. For the last payment, Honda made us pay {$600.00} ( see the attached Finance Account Overview ). Instead of paying a total of {$33000.00} as stipulated in the contract, we ended up paying {$33000.00}. 
I called Honda on XX/XX/XXXX to inquire why {$600.00} and not the {$560.00} we have been paying since XX/XX/XXXX. The Honda representative I spoke with stated that it had to do with interest. What interest? She gave a convoluted answer. When I requested to speak with a supervisor, she declined. 

On the excessive late fees, I have written to Honda executives ( here in the US and XXXX ) to waive the fees. All my correspondences and request fell on deaf ears.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-16
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: Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NC

Complaint:
I was notified in XXXX by Synchrony that a charged was placed on the XXXX/XXXX  Live/name-of-the-moment card I had with them. I did NOT place any orders and did not receive any items. 

Filed a fraud claim with them, which they rejected multiple times, claiming product was delivered. I disputed this, stating I neither ordered nor received anything. As requested by them I filed a police report and signed an Affidavit of Fraud ( and got it notarized ) saying I did not order nor receive anything.

Despite multiple rounds of appeals, company is still claiming I received goods and is refusing to honor the fraud claim. I have complied with all of their steps ( 4 separate rounds! ) to get this fraud processed.

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 2022-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint:
Made a request to have late payment incorrectly posted by XXXX XXXX XXXX XX/XX/2018 removed.

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 2023-08-29
Product: Credit reporting or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: SLM CORPORATION
State: MS

Complaint:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
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: PA

Complaint:
I WOULD TO LIKE TO FILE A COMPLAINT AGAINST EXPERIAN. THEIR NEGLIGENCE HAS CAUSED ME SUFFERING AND TARNISHED MY REPUTATION. I HAVE ATTACHED EVIDENCE FOR MY COMPLAINT, WHICH GOES INTO FURTHER DETAIL. MY RIGHTS HAVE BEEN VIOLATED NUMEROUS AMOUNT OF TIMES. EXPERIAN HAS SHOWN NO EFFORT NOR CARE FOR THEIR WRECKLENESS.

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 2023-07-28
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: IL

Complaint:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature.

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 2021-07-28
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: PA

Complaint:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

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 2023-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Product: Checking or savings account 
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check
Company: WELLS FARGO & COMPANY
State: PA
Tags: Older American

Complaint:
XXXX XXXX, 3 checks were stolen from the post office. XX/XX/2022, one check was washed. The check was for a credit card payment. The payee name was changed to an individual and cashed. XX/XX/2022 another check was washed and cashed. Both the payee and the amount were changed which put the checking account into overdraft leaving my account balance of almost a minus {$1000.00}. When Wells Fargo notified us by mail that we were in overdraft and lost almost {$8000.00} in funds, the account was closed before the third check could be cashed. An affidavit was filed with the bank, a report was filed with XXXX police and the post office was notified. Wells Fargo stated that it would take 10 days to resolve the issue. The bank has confirmed that fraud took place but as of today has not refunded the money or offered provisional credit. Wells Fargo now states that it could take 120 days to make a decision with no guarantee of refund. This information is nowhere to be found in any literature given for this type of account. I have complied with every request from Wells Fargo with no result. From the little research done I have found that Wells Fargo is treating thousands of their customers in the same way in hopes that they give up on trying to get money that is insured back to accounts held at the Wells Fargo. Please help as I have no other recourse at this time. Any suggestions that could assist in the matter would be greatly appreciated. Thank you.

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 2023-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Tags: Servicemember

Complaint:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.

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 2018-04-27
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: LEXISNEXIS
State: NC

Complaint:
Under the FCRA I, XXXX XXXX request that LexisNexis immediately notify XXXX, XXXX, & XXXX  of the folllowing : That the bankruptcy items XXXX & XXXX are deleted from my file. And to provide me with a copy of said communication. Under the FCRA and as per LexisNexis, XXXX XXXX has the right to : - Request that LexisNexis furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by him who has received a LexisNexis consumer report for employment purposes within the past two years, or received a LexisNexis consumer report for any other purpose in the past six months ( twelve months for residents of Colorado, Maryland, and New York ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
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: AZ

Complaint:
I discovered that some of the information and inquiries on my credit report were incorrect when I reviewed it. This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. Here is the list of unknown items that must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ Date Updated : XX/XX/XXXX ; EXPERIAN XXXX XXXX XX/XX/XXXX XXXX EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX EXPERIAN XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CT

Complaint:
Mortgage lender can not pull my credit report form Equifax. Has tried multiple times. The first on XX/XX/20, XX/XX/20, and again on XX/XX/20 She is getting a message saying " input SSN mismatch : does not match what Equifax has on file. 

I spoke with Equifax for 2 hours on XX/XX/20. They assured me they had the same information and erased an alert on my account. They told me my lender should have no problem pulling my report going forward. However the next day she got the same message. XXXX  and XXXX  come through fine. 

This issue is holding me up from getting approved for a mortgage.

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: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

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


Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
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: LA

Complaint:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXXXXXX XXXX XXXXXXXX {$740.00} XXXXXXXX XXXX XXXX XXXXXXXX {$1400.00} XXXX XXXX  XXXX {$420.00} XXXX XXXXXXXX {$700.00} XXXX XXXXXXXX {$630.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX   XXXX {$700.00XXXX XXXX XXXX XXXXXXXX {$250.00} XXXX XXXX   XXXX {$290.00} XXXX XXXX XXXX XXXXXXXX {$1100.00}

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 explanation
Consumer complaint received 2020-11-28
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: EQUIFAX, INC.
State: NY

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REOPRTING ON MY CREDIT REPOTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIONGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Product: Credit card or prepaid card 
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees
Company: U.S. BANCORP
State: TX
Tags: Servicemember

Complaint:
I had a balance on a US Bank credit card of {$5200.00}. An auto payment of {$200.00} was just cleared on XX/XX/XXXX. I made a payment online for the balance of {$5200.00}. Once that payment cleared, I called the company and asked for my account to be closed. It was successfully closed. 

Today is XX/XX/XXXX and lo and behold I receive my statement. I open it expecting a big fat XXXX for balance due, but to my surprise, there was a balance of {$14.00}. 

What? 

I called the company and supposedly they were charging me interest DAILY for a cash advance. If that were the case, why wasn't that additional {$14.00} shown on my balance due online? I understand MONTLY statements showing MONTHLY charges, but a website can literally be updated every SECOND. Why wasn't the additional charge reflected in the balance? 

Why would anyone think about, check up on, or follow up on an account after it had been PAID IN FULL and CLOSED? What if I hadn't noticed this new bill for {$14.00}? What if a month went by, then another then another without me knowing about it. Meanwhile, US Bank is charging me interest on the interest on the interest. You could see where this could create problems. 

This seems VERY DECEPTIVE to me, bordering on illegal, that not only did the website not reflect the most up-to-date balance due, but that at no point during the process of me closing the account was I ever MADE AWARE OF the upcoming daily interest charge. Why would they not tell me at the time I was closing my account that I had the option of paying off the current daily interest charge. 

Today I called their one of their reps, asked why the full balance wasn't reflected on the website and reminded her, at least four times, that I paid the total balance due as it was reflected on my last statement, which was the same exact number reflected on their website. She finally offered to looking into getting the fee waived. She was able to. 

I asked for an email notice reflecting this waiving. She said it would be reflected on my next statement.

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 2023-09-04
Product: Credit reporting or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a 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: FL

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2019-03-22
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: EQUIFAX, INC.
State: CA

Complaint:
I spoke with XXXX in XX/XX/XXXX and XX/XX/XXXX 2018 about removing the 30 day late. After a conversation with the woman she agreed to remove the 30 day late. I noticed in XX/XX/XXXX this still was not removed and reached out to XXXX. they said they had assured me it was removed and to wait for the credit buruea department to update. Following up in XX/XX/XXXX I wrote a letter to have the said item removed. I just received a response stating that the item is accurate despite numerous conversations with them stating they had it removed from the credit bureau. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-26
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: Experian Information Solutions Inc.
State: TX

Complaint:
There are a few inquiries on my report that I am disputing with the 3 national credit agencies. All three have stated I need to get in contact with the companies directly to request a dispute and get them to update to the credit bureaus to have item removed if inaccurate.

Why do I need to have them update when the bureaus should do the investigating?

Next, I have called the companies and have sent letter already attempting to verify the information.

Please have the 3 credit agencies remove the following inquiries : XXXX XXXX inquired on XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017

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