hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2017-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACS Education Services

Complaint:
My credit score dropped 78 points on XXXX due to a XXXX XXXX account ( from XXXX ) becoming 90 days delinquent. XXXX XXXX has never been late and there were never no reporting of it being 30/60 days late, it jump straight to 90. After reaching out to XXXX XXXX come to find out there student loans were sold to XXXX, whom could n't locate my account in their system either. 
I reached out to US Dept of Education and there were only one XXXX XXXX account showing paid in the amount of {$1300.00} in XXXX. 
After reviewing the verbiage on all 3 credit account, I notice XXXX XXXX appeared on my XXXX report. I reached out to ACS who is no longer is ACS but is now Conduent Education.

They inform me my accounts were 90 days late. I asked why I have n't received anything in the mail or at least a phone call. Why it never reported 30 days late and went straight to 90 days, I could 've addressed it sooner. Why my students loans been sold so many time and I was n't made aware of who to contact to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.

Complaint:
I am called 8-10 a day between XXXX and XXXX by Comitiy bank. We are currently overseas and they have continued this for WEEKS. My husband is in the military and we can not get any sleep because of these repeated calls!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.

Complaint:
Each time I setup payment plan a new holder took over my loan account. This made it difficult to keep up with loan amounts. Whenever my account fell into a new owner and my account was brought current, the balance increased drastically each time. My original loan amount had now increased in double the original balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2019-02-27
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
portfolio recovery continues to call my work phone at XXXX for an invalid debt & was told to stop. they also contact my home phone @ XXXX after being told repeatedly to stop. Under the fair debt collection act I do not want any further calls at either number. they also continue to use phone dialing voip systyms to contact me multiple times a day after being told to stop. they have also reported this adverse information which is untrue to credit agency 's. further abuse & further contact will result in filing a federal lawsuit. every call is now being recorded & entered into court documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See documents attached.

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 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
For Transunion - XXXX XXXX Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought XXXX XXXX. There should be no interest accumulated on this charge off, date of last payment was XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

For XXXX - XXXX XXXX Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought XXXX XXXX. There should be no interest accumulated on this charge off, date of last payment is XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

For XXXX - XXXX XXXX Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought XXXX XXXX. There should be no interest accumulated on this charge off, date of last payment is XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

Furthermore, the bank, which ever the company name is these days is showing MULTIPLE charge off. I was always under the impression that once charged off that was it, it is charged off? I will also be contacted the Federal Banking Regulators among any other company or federal complaint line that I can find to file these fraudulent and fcra infractions that you have been reporting and accepting as valid.

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 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 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 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.

Complaint:
Ive just reviewed a copy of my credit report and to my surprise, have found that the following information is reporting inaccurately. Please remove this from my credit report within 30 calendar days. Ive been informed by council that if you can not complete your investigation in 30 days, then these disputes must be removed by default. Here is the information that I need removed. 

XXXX XXXX  XXXX  XXXX late payments Late payments are illegal & should not be reporting on my credit report under law 15 USC 1681 A Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ]

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 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my right. 

15 U.S.C. 1668 section 602 A. States I have the right to privacy.

15 U.S.C. 1668 section 604 A section 2 : It also states a consumer reporting agency can not furmish an 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 2016-03-01
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.

Complaint:
They have already called 5 times today and once at XXXX ( which is out of the time limit warranted ). It becomes very frustrating and I 'm not able to answer when I 'm at work, yet they continue to call during those hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.

Complaint:
I am a customer of the Ally Bank. 
There were three separate charges made to my checking account. 1st was {$40.00}, the 2nd and 3rd were {$20.00} each. The charges were made on XX/XX/XXXX at the same time. I have reached out to their customer service line and they canceled my debit card and issued me a new one. They also filed a police report for me and had me dispute those transactions on their banking website.

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 — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
This is XXXX XXXX and I request of you to remove the fraudulent accounts and information I found on my Credit File.Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : 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 EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
There is an account on my credit report for XXXX XXXX XXXX with account number XXXX that I sent a dispute to Experian to provide a full payment history because I believe the statute of limitations has expired. What they responded with was only history back from XXXX and the account was showing opened XX/XX/XXXX where are the remaining months, years etc?

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 2017-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC

Complaint:
I have a total of  XXXX  inquiries on all  XXXX  credit bureaus from various banks on.    XXXX / XXXX /   2016  I have contacted them and the credit bureaus, and nothing is being done.     I have not applied for credit with them. need to be removed from my credit report with  XXXX ,  XXXX  and  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 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ONEMAIN FINANCE CORPORATION

Complaint:
I was looking at my credit report on XX/XX/2020 where I had noticed inaccurate Information. They are saying a company One Main who I am not aware who they are. They are giving me hard inquires on XX/XX/2020 and XX/XX/2020. They are saying I got a loan from the. This totally Inaccurate and fraud. I never signed anything and this was never authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2020-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation

Complaint:
My dad passed and was faced with financial difficulties. I have reached out to the company for bereavement assistance and none was provided, just payment arrangement 's only.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
I HAVE APPLICATIONS THAT HAS BEEN FILLED OUT USING MY PERSONAL INFO AND MY INFO HAS BEEN USE FOR MEDICAL SERVICES THAT I DID NOT GIVE CONSENT I CONTACTED XXXX, EXPIERAN AND XXXX  TO HAVE THEM REMOVED THEY WOULD ASSIT ME OVER THE PHONE SO I MAILED THEM THE DISPUTE ASKING THEM TO BLOCK THE FRAUDLENT COLLECTIONS AND INQUIRES.

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 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have attached an FTC report with a collection and inquiries that I didn't authorize

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 2017-06-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: First Associates Loan Servicing LLC

Complaint:
I attended  XXXX   XXXX   XXXX   XXXX   XXXX  Illinois back in  XXXX  to  XXXX  I have a loan that shows from  XXXX  to  XXXX  in an amount of {$19000.00} that is a private loan that I never used but was paid to the school.   The school was closed for the same reason I am contacting you now I never finished my degree there, I never got a job as promised and I 'm stuck with this loan on my credit that I never even used.   Please help me cause the lender is not even trying to investigate the account and is leaving it to me to figure out. They told me they provided the money and do n't have any records of what it was spent for, and in my defense I 'm staying to them I never even used there money, I forced into a school that never help me get a job or a degree.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have disputed the late payments on the stated accounts. The credit bureaus refused to reverse the late payments..I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous claim that has affected my credit score tremendously..CFPB please step up and fix this ASAP 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 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.

Complaint:
This inquiry is unknown.

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