hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.

Complaint:
This letter consummates my lawful and rightful consumer notification of recent and currently discovered item ( s ) with potential misinformation not certifiably compliant in reporting and or elsewise appears likely deficient in its reporting status as reported when reported. Additionally, this declaring constitutes my consumer rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and or derogatory data accused of me to adequacy of lawful reporting! I understand that the reporting industry has deliberately developed a mandatorily utilized STANDARD for better ensuring certifiably compliant reporting practices, processes, and procedures are adhered to so that a maximum possible accuracy and completion is believable minus any deviations or diversions from the established and expected reporting of consumer data and acceptance of reported data by a receiving repository! 
Sir/Maam, I am writing you with this formal objection of claim ( s ) as reported when reported and a suggestion for prompt action ( s ) on your part. You are improperly reporting improperly to the major credit bureaus and damaging my credit. You are in contravention of the FCRA aka the Fair Credit Reporting Act. The Suspected transgression ( s ) may well be subject to fines and damages. I am providing you but this one last chance for rectifying of this account. Previously, I had sent you a letter advising you that you were carelessly reporting. Additionally in that request I in fact did assert your necessary requisite ( s ) to adequately correct my file. Due to your now obvious continued misreporting ( s ) albeit any all or each unfair and or surely unethically non-compliantly reported in that it insinuates that my forwarded letter was sadly abhorred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
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: ALLY FINANCIAL INC.

Complaint:
In accordance with the Fair Credit Reporting act Ally Financial 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. ( i never gave Ally Financial permission to furnish an auto account on my consumer report. ) 15 U.S.C 1666B : A creditor may not treat a payment on a open end consumer credit plan as late for any purpose. ( Ally Financial has reported several late payments on my XXXX and XXXX consumer report, under an open end consumer credit plan. )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
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:
Reporting Act, 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. 

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

I demand the following accounts be verified or removed immediately : 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 2020-08-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: FORD MOTOR CREDIT CO.

Complaint:
I went to XXXX to purchase a vehicle with 0 % interest and then purchased a 2nd vehicle for the same 0 % interest as well and then it was changed not to my knowledge to 7 % interest. I have contacted the company several times and they stated that what was on the contract and now refuse to give me documentation with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.

Complaint:
The loan was open XX/XX/XXXX with an interest rate over 20 percent it has been 6 years and the loan is up the car was sold once repossessed for about XXXX and sold and staying I owe remaining balance after reading and stating they were sued which I will attached article and they will remove and cancel and has no payments made on it since XX/XX/XXXX. This debt has harmed me. Being a single mother and trying to work isnt easy.It has aided in the denial of my home loan, which it has caused undue stress in these already stressful times and caused undue financial pressure. I also mentioned that the debt should be considered satisfied and that the trade line be deleted from all credit bureaus it is reporting to. After reading article, they should settle those accounts in thats range. 

https : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-25
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 sent XXXX XXXXXXXX XXXX, The furnisher of the information and I requested that they conduct a investigation for for these items in question under FCRA Sec. 623. This accounts was charged off but still was reporting balances on both. I sent the letters off dated XX/XX/2018 requesting this info. Since, that time I have received a numerous replies, that has been filed. Now, as of XX/XX/2018, I received a letter stating " you did not indicate what specific information I was disputing '' and to contact the reporting agencies about these accounts.

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 2020-12-09
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: Choice Recovery, Inc.

Complaint:
On XXXX XXXX, 2020, CHOICE RECOVERY INC add a derogatory mark on my credit reports. CHOICE RECOVERY INC did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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: EQUIFAX, INC.

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.

Complaint:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX  XXXX XXXX XXXX : {$9400.00}

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 2021-06-15
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 AM A PROTECTED CONSUMER. i know my rights. i certify that this request to block was made NOT in error, and my request to block information was NOT based on a material misrepresentation, and i DID NOT knowingly obtain or should have known that i obtained possession of goods, services, or moneys as a result of one or more of the transactions that i am seeking to block. Under 15 U.S.CODE 1681c-2 you must block all fraudulent accounts. Since i attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized 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 non-monetary relief
Consumer complaint received 2023-06-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.

Complaint:
In XXXX of XXXX, a check in the amount of {$15000.00} was given to me as a gift. I endorsed the check to my family member. Because the check was from Chase she thought it would be easier to open an account with the check at a Chase Bank. Within a month Chase closed the account because they claim they were not able to verify me by my phone number. They told her that because I was not able to be verified by phone that I would have to bring my ID into the bank branch to be verified. When I was able to bring the ID to the bank they told us that they no longer accept identification verification in the bank branch and I must be verified by phone. They explained that my phone number needed to be listed in a public registry so they can search it and call. We went to the bank branch where the account was opened to sit down with the banker who opened the account and their money release department and they all gave us a different answer as to why we cant get the money back or returned to the original account.. I had the person who originally issued the check, look to see if the money was still in his account and it was not. He asked if he can get it back, I also asked if they can send it back to him and both of us were told no. The bank at this point is refusing to give us the money or return the money back to the person who wrote the check and I truly believe that someone at the branch stole the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I am writing this due to non-compliance with the ( XXXX, XXXX, TransUnion ). They have failed to remove information that was affiliated with personal details that were challenged in the pass. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2023-08-12
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: EQUIFAX, INC.

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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 — 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: EQUIFAX, INC.

Complaint:
I am disturbed that the credit bureaus are continuing to list the dismissed/discharged bankruptcy as confirmed within my credit file. The Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief. Any case, civil or otherwise, which is dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent. Therefore, pursuant to section 1681 ( a ) ( 5 ) of the  FCRA, XXXX, Equifax, XXXX, must delete this information from my credit report, and i asked them on several occasions starting ( XXXX ) by sending letters to send me an updated copy when this action is completed. All bureaus have not removed the items from my credit as of today. They continue stating verified and updated and stating XXXX or Clerk of Federal Court are were they are verifying the information to be true but i have letters from Clerk of Federal Bankruptcy Court and Pacer and my full disclosure file from XXXX XXXX that states no Bankruptcy and i have sent to all 3 bureaus and they refuse to remove all bankruptcy 's and items involved in the bankruptcy 's

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch

Complaint:
Unable to pay

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.

Complaint:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc.

Complaint:
XXXX XXXX XXXX used to be my apartment not until state of emergency commenced due to high number of XXXX. I wasnt working at the time which the state offered cares Acts which excluded landlords from evicting tenants during the outbreak of virus. I wasnt working, XXXX  XXXX XXXX  and XXXX focused and was rushed to the hospital, later on was XXXX  and in XXXX for a while before having XXXX XXXX due to XXXX, anxiety. Under XXXX accommodations, I requested debt validation to make sure I wasnt overcharged but it got to my attention. 
I moved out after I sent a email to management that I will be moving out, all rental agreement such as one month notice before vacate wasnt enforced due to state of emergency. I ended up not picking up my properties which made them confiscate my items and now Im being charged for what I didnt use.Im requesting XXXX accommodation as Im unable to make this payment due to underlying illness plus under 15 U.S. Code 1681i fair accurate reporting should be provided but I dont think Im having fair reporting. I called and tried to negotiate but the lady was so rude and was promptly offered XXXX off ( {$3300.00} ) and must be paid in one sitting which even makes it more difficult to work with but then sponsor whom co-signed already made payment close to $ XXXX as I wasnt able to assist with the payment due to my underlying illness. Im requesting for review of account to show proof of state of emergency, email sent to management of hardship. This isnt proofing XXXX of cost breakdown including one paid by my sponsor XXXX XXXX. Under the lease agreement it state every payment owned must be paid but also have to remember the care acts law was enforced and a lot of lease agreement was in absolute pending.attachment shows date very close to move out date from XXXX XXXX apartment. 

Errors detected 1 ) Not providing full debt validation including one paid by XXXX XXXX 2 ) late fee, charges, rental agreement binding agreement was noid due to state of emergency 3 ) was charged one full month + miscellaneous 4 ) agreement provides XXXX accommodation for health grounds on number 20 5 ) insurance charges multiple times

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it

Company response to consumer: Closed with explanation