hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-05-05
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:
Unauthorized Credit Inquires on my report XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX  Inquiry Date XXXX XXXX Credit Plus Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXXXXXX XXXX Data Inquiry Date XXXX XXXX Factual Data Inquiry Date XXXX XXXX XXXX XXXX Inquiry 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 2018-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL

Complaint:
A few weeks ago, my husband and I received in the mail what we believed to be replacement credit cards for our XXXX XXXX/Care Credit credit cards. We applied initially for Care Credit a few years ago to help us when we run into the occasional incidents where we have medical, dental, or veterinary expenses that exceed our out-of-pocket financial abilities at that time and the cards are used VERY rarely, MAYBE once every 1-2 years. Anyway, we received two cards from Synchrony/Care Credit that we believed to simply be replacements for our existing cards. The cards had the standard stickers on the front to call and activate them, so I did so and did not encounter anything that seemed out of the ordinary or unusual from any other time I've ever received new cards from any other bank/credit card institution. I believe that the new cards were just that, new cards ( possibly with an increased spending limit, I don't recall ). In the past when I've encountered such circumstances with other such credit companies ( like XXXX XXXX ), a new card or an increase in spending limit does not equate to a whole new account being opened. However, today I received notice from XXXX XXXX ( via a feature that I use to monitor changes in my credit ) that a new account had been opened in my name and it had adversely impacted my credit score. Upon review, Synchrony/Care Credit had closed my prior account with them and had opened a whole new account for me and my husband when I activated the new card. The closing of one account and opening of another dropped our credit scores. I immediately called the credit bureau ( XXXX, in this case ) and reported this issue as a dispute on both of our credit reports. At the advice of the credit bureau, I also called Synchrony/Care Credit to ask why they had closed my old account and opened a new one as opposed to just giving me the new card/increasing my limit on my old account. I was advised, basically, that they had sent me fine print or a " disclosure '' that had informed me this is what they would do. Respectfully, I am a XXXX  XXXX XXXX and maintain this designation actively. I XXXX XXXX and XXXX for a living. I am far more savvy and attuned to these sorts of things than the average consumer. So if I fell for this, I imagine many other consumers are as well. I don't think what Synchrony/Care Credit did is honest/ethical and I certainly would not have consented to opening a whole new account with them for a card that I do not maintain a balance on and use incredibly infrequently and only for certain specified purchases. I feel this practice of sending account holders mail that looks like just new cards is a dishonest and questionable business practice.

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 2021-04-21
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:
XXXX  continues to report accounts that were never opened by me. 

XXXX XXXX XXXX  # XXXX ( Account incorrectly Reporting on my report. ) I previously owned a XXXX but it was a XXXX XXXX XXXX. I acquired this car in XXXX It was totalled in a car accident in XXXX. I never owned another XXXX. 

XXXX XXXX XXXX XXXX # XXXX ( Account incorrectly Reporting on my report. ) This was a fraudulent account opened back in XXXX. I filed a report with my local police department and the account was removed but it has shown back up two times. I had a authorized user XXXX  account that my mother added me to that she opened in XXXX. 

XXXX XXXX XXXX  XXXX # XXXX This account was fraudulently opened up back in XXXX. I filed a report with my local police department and the account was removed but it has shown back up recently.

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 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CURO Intermediate Holdings

Complaint:
I have unauthorized hard inquiries that are hurting my personal credit. They are incorrect and I am unfairly being punished for them.The inquiries are from the following : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX Curo Management LLC, 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 response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I paid a debt to Capital One in 2009. Since then, I 've received letters from numerous creditors and Disputed the Validity of Debt, never received documents until a phone call XX/XX/XXXX from XXXX XXXX at XXXX XXXX XXXX. He first called my wife and threatened her noting that she was on the loan, which is untrue. He continues to harass our family and there is no debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
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: Experian Information Solutions Inc.

Complaint:
In XX/XX/2020 I sent Experian and XX/XX/XXXX a 609 Letter/ Dispute advising the items on my credit report was incorrect and advised these two companies I had no contract with these companies and to show proof there was a contract with a Wet Signature proving I signed a contract with these companies and if nothing was provided to removed these negative items from my credit report. Contract Makes The Law ... ... .. No contract no obligation. This is clearly FRAUD and the credit bureau continues to report fraudulent information to my credit report.. They are not doing their job or due diligence. 

Experian XXXX. XXXX XXXX XXXX, TX XXXXXX/XX/XXXXXXXX. XXXX XXXX XXXX, GA 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 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)

Complaint:
I complained back in XXXX about my Chexsystems information being incorrect. 

They have my middle initial a C when it should be R. 

Chexsystems told me the report was given by a bank sometime ago, most likely a credit card I tried to apply for years ago. The middle initial in their data base with the letter C is incorrect. 

They refuse to correct that information. 

I believe that is why banks, etc. have turned me down several times. There was a time when identity theft was being committed towards me back in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
This is XXXX XXXX XXXX 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 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 2022-09-20
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: EQUIFAX, INC.

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.

Complaint:
I am XXXX XXXX working as a XXXX/XXXX in which my business has been detrimentally effected by this pandemic. I applied for an economic injury disaster loan ( EIDL ) through the Small Business Association ( SBA ) on XX/XX/2020. I was approved for {$20000.00} on XX/XX/2020 and my chase account was funded on XX/XX/2020. Two days later, I tried to access my funds at a chase ATM and the transaction was declined. I was then given a receipt with a XXXX number to call. I tried to call in but unfortunately the wait time was over an hour. The next day, I decided to head down to the nearest Chase branch and speak with a Branch Manager. Assuming chase just wanted to verify my identity, I brought with me all supporting documentation, three forms of ID, SS Card, and my signed Loan Authorization and Agreement ( LA & L ) directly from the SBA. On XX/XX/2020, I spoke with Branch Manager XXXX XXXX and explained my situation to her. She verified 2 forms of ID and stated she would call the specialist/fraud department to see what was going on. Upon her return she stated that i would need to provide a EIN number or Article of Organization in order to access my funds. Why do I need this information if I'm an XXXX XXXX???? I then explained to her that since I structure XXXX XXXX as an XXXX XXXX by law I dont need that information to operate XXXX XXXX. I opened this personal account specifically for this loan plus accounting reasons and to fulfill all the necessary requirements and guidelines regarding this loan. Its not right that they are freezing this money solely because it was deposited in a personal account instead of a business account when the SBA clearly verified all my account information prior to disbursement of funds. Due to these poor business practices, I have no capitol to pay rent or feed my kids. I relied on this loan for many business needs/payroll to myself especially and this bank has crippled me from carrying out my day to day operations. Its totally unacceptable that they freeze my funds when SBA clearly approved me for the funds to be deposited into my personal checking account due to me being an XXXX   XXXX. This bank clearly needs to do more research on the laws and requirements surrounding independent contractors because we are not required to have EIN numbers or Business Accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Windham Equity Company

Complaint:
Lease & Rental MGMT Corp aka Auto Use has been reporting a repossession on my credit where the dates of recent payments are wrong, the balance owed is wrong and the date of last payment is not correct. This is wrong information is making this account look newer than it should be. The date of repossession was XX/XX/2016 and the last payment was before that. The car was repossessed and sold and the sale amount was not applied to the balance owed and reported. 

The company also did not send me any documentation that showed what the car was sold for and how that was subtracted from the balanced owed. I have repeatedly in the past tried to request this information and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : 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 2021-05-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.

Complaint:
I recently pulled my credit report and noticed some unauthorized inquiries and fraudulent accounts on my credit report. I sent out a letter certified mail on XX/XX/ 2021, to Experian asking that they remove the fraudulent accounts. In the letter, I submitted my identity theft report, 3 forms of identification, a notice of furnishers laws, and the credit report showing where Experian had reported inaccurate information. It has been over 30 days and I have not received a response yet. 




Here is a list of the fraudulent accounts that need to be removed : XXXX {$3400.00} XXXX XXXX {$1900.00} XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX {$750.00} XXXXXXX/XX/XXXXXXXX XXXX XXXX {$1400.00} XXXX XX/XX/XXXXXXXX {$950.00} XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
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: Experian Information Solutions Inc.

Complaint:
Investigation from I believe XXXX or XX/XX/2022 resulted in the deletion of the account XXXX XXXX XXXX ( referenced in picture attached ). Upon reappearance of account reinvestigation letter sent XX/XX/2022 received no response, with the follow up letter XX/XX/2022 ( referenced in attachment ) requesting the reinvestigation and requesting deletion for receiving no response, also received no response from the bureau. Another request to investigate on the same matter sent XX/XX/2022 so far has also gone without response.

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 2020-01-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC

Complaint:
I have had a collection on my credit reports ( XXXX and XXXX ) since approx. XX/XX/XXXX. The debt is from Receivables Management in the amount of {$400.00}. I have disputed this debt several times. The debt was rightfully removed from my XXXX   credit report as of XX/XX/XXXX. Unfortunately, the debt still remains on the other two credit bureaus. Each time I dispute, it comes back verified but I haven't been provided with any proof that I owe this debt. It simply says verified. I've never been provided with a signed contract with my signature for this debt. A bill or statement does NOT verify a debt is owed. It needs to be 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 explanation
Consumer complaint received 2016-04-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES

Complaint:
I currently have many student loans, all through Great Lakes loan ( GLL ) services. I have been overpaying my loans to more quickly pay them off. According to great lakes loan ; " The regular monthly payment goes first to accrued interest, and then is prorated over the loans within the account. If your payment is larger than the regular monthly payment, the overpayment is applied to the principal on the loan with the higher interest rate, assuming all outstanding accrued interest is paid. " When I first setup my account I was asked to setup a monthly auto-pay for a 0.25 % interest deduction. I of course did so. This auto-pay is assumes a default " 10-year '' repayment plan. What I have been doing is making extra payments 1-2 times a month in excess of {$1000.00}. Using their phone app everything looked like it was going well. I then logged onto their website and saw a discrepancy. GLL has been taking my extra payments and applying them equally across all of my loans, not to the ones with the highest interest, like initially thought. After contacting GLL they informed me that the statement above only holds true if I overpay via the " monthly payment '' not the " one time payment ''. This is purely a ploy to not pay off my highest interest loans and keep me on as long as possible. Their statement says nothing about a " one time payment '' exception. When i called them out on it they replied with ; " We are happy to reapply any additional payments as you direct, assuming all accrued interest has been paid, although it is necessary for you to submit a request via email or phone after each payment is made in order for us to do so. Thus, it is generally to your benefit for you to make a single, larger payment at the time you make your regular monthly payment, rather than to make a separate, extra payment after making your regular payment. '' How does this make any sense? why would they be treated any differently? I have to contact them after each " one time payment '' to tell then to put it towards my highest interest loans ...? I have been repaying my loans now for 2 years and could have avoided hundreds of dollars of interest if they had done what they said they did with overpayments. which is what a " one time payment '' is, regardless of whether it is part of the standard monthly payment or not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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