hpe-ai/customer-complaints-test.csv huggingface dataset:
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Tags: Servicemember

Complaint:
XXXX bank and credit cards for military and veterans says i was late making payments. I was in XXXX. I had auotomatic payment and money was taken out of account. Right now they have said they are taking them iff but it has been a year. I am tired if companies that lie through there teeth. All is somebody needs to do is get credit report that shows not if paid or not but the credit reports that show money amount. I payed XXXX in XXXX and then they say i missed paymemt in XXXX. I havent missed a payment in 30 yearscwith any credit cards. Also XXXX XXXXXXXX says in XXXX i was late ine day on the last 3 payments. I can rememner what happened like yesterday but it would take 2 pages. I had automatic payments with them too. Why would you pay paymentdms on timevfor 69 months then all of a sudden with no changes on life or job make paymebt late one day. I was in military and got paid on XXXX. The only thing that happens is there is 31 days in some months. I called them and asked why credit score webt down after i paid my car off with every payment in time. They are finance company and they made reason up why my score went down. It went down because i didnt have different credit types. They didnt know it and i took classes on credit. They made the late payments up because they dont give their own finance team credit reporting classes. 

I want legal dovumentstion from XXXX XXXX and bank from FAIR CREDIT REPORTING AGENCY SECTION 604, 605, 609 AND 611.  To show you that I didnt make payments late. I was in XXXX and thank XXXX i had automatic payments. These companies are triffling because i wrote bith of them and all 3 credit agencies for FCRA SEC 604 605 609 611. NOT ONE OF ALL THOSE SENT ME THE LEGAL  DOCUMENTATION SHOWING ME THAT THEY ARE CORRECT. I KNOW I AM CORRECT BUT IF YOU GET IN FIGHT WITH BIG COMPANIES THEY SEEM TO NEVER BECOME WRONG. BUT THEM NOT SENDING ME 604 605 609 and 611 they have to takev9ff credit reportvand they havent.

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 2018-01-17
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: SYNCHRONY FINANCIAL
State: PR

Complaint:
On XXXX XXXX after getting my credit report, I noticed I do not have any credit scores reporting. I am an authorized user of the XXXX Credit Card since XXXX belonging to my husband. I have a card in my name so I called XXXX which referred me to XXXX XXXX and was advised that they do not report authorized users. After this, I told them I was going to contact CFPB to clarify this issue. I contacted by phone your agency and was told that if I have a card in my name they are supposed to report to the CRA 's. I informed XXXX XXXX of the information received by your agency and they were going to look into the matter. Nevertheless, after reviewing my credit report again in XXXX XXXX, the issue has not been addressed. By these means, I am appealing to you for assistance in resolving this matter, since I am in the process of purchasing a home and I need this to be reported on my credit report. XXXX actually reports to the three CRA 's so I should have all three credit scores since 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 2021-02-14
Product: Vehicle loan or lease 
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: NC

Complaint:
I financed a car through Wells Fargo Auto loan from XXXX XXXX XXXX XXXX XXXX NC on XX/XX/XXXX. In which I was misled and told my monthly loan bill would be cheaper if I purchased 2 service/product add ons. An additional 2 were added without my knowledge. 

Due to unemployment, I was set up with a deferral program. While I was on program, I decided to cancel extra products I had purchased with vehicle. That turned into a mess/nightmare, I was refunded only {$940.00} of service plan. To me this sounded off. I only had from XXXX to XXXX left to pay on plan, had never used plan. 

So while working 3rd shift as an XXXX XXXX XXXX, I tried to follow up with both Wells Fargo and auto dealer.. From XX/XX/XXXX to XX/XX/XXXX, XXXX I had zero access to my accounts nor received statements. 

On XX/XX/XXXX, I was told by XXXX XXXX that they had no record of my car purchase and could I look for my documents to send. 

On XX/XX/XXXX and XXXX XX/XX/XXXX, I spoke to a Wells Fargo representative explaining I had just paid my rent through XXXX XXXX  which uses Wells Fargo to pay my rent that was behind due to unemployment. I was told don't worry, we can set you up on a deferment plan for next 3 months. This was both in XXXX and XXXX. My XXXX call though I had found out I wasn't set up on a plan. I stayed on the phone for 3 hours, got no sleep before I headed to my XXXX XXXX XXXX XXXX 

Fast forward to XX/XX/XXXX, I found out I was never set up in a program, my car was about to be repossed. I once again, pulled over to side of road, spoke to someone who said they would look into this again, I immediately paid {$600.00}. 

I have received calls every day almost since then with misinformation about my account. I have had no access to my any important documents like my tax records- this is an suv cross that I use for landscaping business as well. 

I was told that my car can be repossessed at anytime due to my unemployment status, even if it's under a 120 days and that my account is restricted so therefore I can't look online and see what my balance is. I was informed signed up for online access- this was without my knowledge as I couldn't access my account. 

I looked over my loan documents and found out I was charge for 2 extra programs/services- 1 in which I actually paid in full /used my debit card and it was still added to loan as an add on financed for 13.3 % ..

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 2019-07-20
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: FL

Complaint:
My identity was stolen. I have already reported the information to the police but the credit bureaus are still reporting the information ; in violation of FCRA SS 605B of US Code. I have sent them the information, the police report. copies of, my identification and also utility bills. 

They have removed some of the fraudulent accounts but still several remain. 

This has been going on for over a year. It is causing me significant damages as I am unable to get a new job or apply for credit. They are violating the law and damaging my reputation. 

I have wasted dozens upon dozens of hours trying to get the situation rectified but it seems they only care about the money being paid to them by the creditors and not the law or my rights.

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 2020-04-10
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: TX

Complaint:
inquires ftc violations 
capital one 
XX/XX/2020

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 2018-11-27
Product: Credit card or prepaid card 
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL

Complaint:
I would like to file a complaint against Wal-Mart credit card, I have had their card for the past 4 years and they recently reduced my credit to {$180.00}, when i called their company they told me that it was because they re-ran my credit and that is what I was re-evaluated. The lady couldn't give me an explanation and kept referring to a letter that she would mail. Even though I have been paying my credit card every month including their incredibly high late fees and had established credit with them they still didn't budge. I told them that what they did was redundant since I had stopped using my card to increase my credit-income ratio to have a positive impact on my credit but now it shows that I'm still using 98 % of my available balance which of course will decrease my credit score.  The lady was just silent and was not helpful at all. I feel that this systematic decrease of credit and it having a negative impact on my credit score was done  deliberately so they can then claim that my credit score was why they  decreased my credit limit, regardless of the history I've had with them.

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 2019-07-10
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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint:
I paid {$200.00} on my capital one opeiu credit card before the due date and they charged me an past due fee. I finally got my payment on track and they charge me fees to keep me under water.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
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: EQUIFAX, INC.
State: OH

Complaint:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. My DOB XX/XX/XXXX and my SS XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
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: Experian Information Solutions Inc.
State: CA
Tags: Older American

Complaint:
Hi, I'd like to document the change in my credit score and debt ratio from XX/XX/2020 to the present. I've called all three credit reporting companies, plus XXXX, and all of them say they don't keep the information this far back. I can get information about 9 months back, and that's all. I also called my bank, XXXX XXXX, which gives me 9 months of my credit score, and they say they also don't have historical information. BTW, on your intake form, it didn't ask me if I tried to resolve the issue with Experian. I tried to resolve it with all three credit reporting companies, speaking to supervisors. 

As it happened, my credit score tanked and my debt usage rose during the past three years. I'd like to have a record of that. 

If there is a place to get this information, none of the companies responsible for it know where that might be. 

I can't think of a reason why this information is unobtainable. These are huge companies with a lot of control over people 's lives. Even my bank keeps statements going back many years.

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 2023-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint:
This is a follow up to a previous complaint. A debt collection company XXXX funding has been unwilling or unable to provide a full, itemized notice of debt. I have tried to use their internal dispute process to get this information with no success. I then contacted Trans Union to dispute the debt due to XXXX being unable to provide an itemized notice of debt. Trans Union closed each dispute after XXXX said it was valid, still unable to produce any documentation with an itemized explanation of the debt. Trans Union then directed me here to complete a complaint. This was also just closed after XXXX responded with a letter, but still no itemized listed of the debt. Trans Union is aware that the required documentation has not been provided yet will not remove the remark from my credit report as XXXX did.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-09
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: EQUIFAX, INC.
State: LA

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
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: GA

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
CXXXX 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

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 2023-06-14
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
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: LA

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX 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 non-monetary relief
Consumer complaint received 2022-08-10
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: NC

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items which XXXX, XXXX and Experian didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 16810 ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 16811 ( 7 ) Method of verification Description of reinvestigation procedure

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 2021-02-27
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: NV

Complaint:
The accounts listed are not mine, nor did I authorize these companies to run my credit. Please remove them immediately. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint:
I had a XXXX Credit Card that was issued by XXXX XXXX XXXX but serviced by XXXX XXXX XXXX XXXX. My card did fall behind however I called them in XX/XX/2022 to make a payment to prevent charge off. I made a payment that day of XXXX on the phone and advised I will be paying this account in full before the next pay was due. I asked would the {$56.00} payment be enough to keep the account open and prevent chare off and I was advised yes. I called back a week later to set up the payoff of the balance and learned my account was charged off anyway and sold to XXXX XXXX XXXX XXXX. I tried to speak with someone at XXXX to tell the, this was an error but they refused to speak to me and stated I needed to call XXXX XXXX. So I called XXXX XXXX and set up the payment to pay the account off in full ( {$1000.00} ) on XX/XX/2022. XXXX XXXX only had my account for less than 10 days so they never reported to my credit. But XXXX reported the account as charged off. I filed a complaint with the XXXX  and this was the only time I got a response from XXXX. They stated they would pull the account back and remove the charge off in 30-60 days this was XX/XX/2022. On XX/XX/2022 XXXX has pulled the account back from XXXX XXXX and started the process of removing the charge off but only from XXXX. Then today XX/XX/2022 I was notified that the balance of {$1000.00} has reappeared on my credit. I called to find out why and XXXX stated they don't have the funds from XXXX XXXX although XXXX XXXX did confirm my pay off on XX/XX/2022. I asked XXXX to stop reporting this balance since it was paid to the company they sold it too and it is not my fault they is a break in their process to get the account back that they sold. The payment was made therefore I am no longer responsible for the balance yet they are still reporting as if I never paid the balance in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Product: Vehicle loan or lease 
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint:
During the night of XX/XX/2022, my daughter, XXXX XXXX 'XXXX XXXX XXXXXXXX XXXX was repossessed by Huntington National Bank. This was an indirect vehicle loan started by the dealer she purchased the vehicle from. I believe that Huntington failed to properly calculate her ability to repay before approving the loan. We were able to get the vehicle back from its repossession status. My daughter is now driving the vehicle. I believe that Huntington National Bank violates UDAAP when approving their indirect vehicle loans. 

As a side note, I am a XXXX XXXX at a community bank located in XXXX XXXX Ohio.

Company response to consumer: Closed with explanation