hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-12-01
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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there.

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 2020-11-09
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: AMERICAN HONDA FINANCE CORP

Complaint:
This account is inaccurate. The Balance is not correct and the payment is not correct and the balance history is different on the XXXX, XXXX and XXXX. Please Delete per the FRCA 611. 

XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit International Corporation

Complaint:
XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) Sold an apartment complex including all tenant debts at the time of sale in XX/XX/2019 ; He subsequently attempted to collect on those same debts ( double collect on the same debts ) that the purchaser ( XXXX XXXX XXXX ) now owns and manages. Mr. XXXX has in his possession the real estate contract which clearly outlines that all tenant accounts/ both credits and/or debts owed were transferred at the time of sale to the new property owners - the new apartment owner/manager confirmed this with me in detail. According to the new apartment owners, Mr. XXXX XXXX was selective about which tenants he attempted to strong arm debt collection from - XXXX and elderly tenants were targeted in an attempt to collect extra money from a real estate sale in which he had already been compensated. The current apartment owner managing these tenant accounts advised the tenants to ignore Mr. XXXX 's wrongful attempt to collect the debt and that Mr. XXXX is attempting to scam extra payments from debt that he no longer owned and was not entitled to collect. 

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX WA XXXX ) reported this fraudulent attempt to collect debt on all three credit bureaus, dropping by credit score by more than 100 points. After many phone calls, this debt collection agency refused to entertain any resolution or address my concerns and hung up on me multiple times.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I've contacted Transunion Consumer Solutions via telephone on the following dates when I noticed a collection that was paid reporting to my consumer report without my consent. 
XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX amount : {$180.00} Ive also sent certified mail on XX/XX/2022 stating that the account was being reporting without my consent and as an inaccuracy. No help has been issued from their side but a response saying verified. This paid collection has been hindering my family and I from being able to build relationships with financial institutions because I'm being denied for credit. This is the only collection I have ever received and only collection reporting. 

I attached the letter that TRANSUNION replied with and my credit report showing the collection reporting. 

In accordance with the Fair Credit Reporting Act, 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 1691 section 604 A section 2 also states : A consumer reporting agency can not furnish 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 non-monetary relief
Consumer complaint received 2018-09-27
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've reached out to XXXX XXXX twice to resolve issue ( s ) on information on my file in their company possession. Once I reviewed the file I requested the removal and deletion of ( NOD ) Notice of Default. They said they reviewed it with TransUnion and they said they received the information from them. However no mortgage company is listed on my credit file/report. Then I requested for an reinvestigation and asked for the company that furnished the the information. And now there saying that the credit Bureaus supply them the information. However it was verified by 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 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX ; XXXX and Transunion should not be reporting a balance of {$390000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was sold to XXXXXXXX XXXX XXXXXXXX XXXX XXXX needs to report a {$0.00} balance. This duplicate reporting of a balance due is seriously harming my credit score and this line item needs to be updated. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus, as well as XXXX to fix this however, I have not been successful.

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 2023-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio

Complaint:
In XXXX someone stole my credentials and used it to make a purchase. There was no proof it was mines and it became identity theft and it was charged off. Now a debt buyer is trying to collect {$2000.00} on a {$1500.00} lease according to the email letter that I received from the debt collector. The email didnt have the creditors letterhead but an email from another source. It also said purchased in XX/XX/XXXX, thats seven years ago, but the debt collector said I purchased in XX/XX/XXXX which states on my credit report. Not only the statute of limitations has ran out the debt collector lied and said I purchase it in XXXX without a contract stating I promised to pay that amount in XX/XX/XXXX. Its now XX/XX/XXXX, This is a fraudulent statement from the debt buyer and the credit bureau accepted it without proof of purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
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 — 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 2021-06-30
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 have noticed I have many instances of misinformation reported about me, either the misinformation stems from inaccurate reporting, incomplete reporting, reporting of unverifiable information, reporting invalid information, fraudulent reporting of information, or reporting of information I believe is due to identity theft. I have no knowledge of how the misinformation stemming from the above came about to be. I have not authorized misuse of my personal, financial or any information. I have never to my recollection received any benefits of product, services, or otherwise real or imagined due to the aforementioned causative possibilities of misinformation. Please physically verify the validity of any and all notations, every date, the balances and calculations, each accounting record, whether reported or not to include required Metro 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
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:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX  ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX  ), XXXX XXXX XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$3500.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-09
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: Experian Information Solutions Inc.

Complaint:
I have mailed the credit bureaus letters requesting old inquiries be deleted off of my credit report.It has been going on for over 2 months. I also disputed the different socials to be deleted as well which are not my social security numbers. Most inquiries on my report are over 2 years and some are not authorized.

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 2017-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.

Complaint:
I 'm writing this letter in hopes of getting some resolve of my student loan balance. I mailed a letter to former President Obama and current President Trump regarding my extensive balance with Navient/XXXX Loans. I attended XXXX University ( XXXX ) and XXXX University ( XXXX ). My wages were garnished and my debt to income ratio is severely high. I 'm being told that I owe over {$500000.00} in student loans. I cant wrap my mind around such a figure. I 'm a XXXX and I barely make {$XXXX} a year. No one from XXXX or Navient are able to tell me where this balance came from. I 'm currently in a re-payment program where I pay {$80.00} per month. I was told after 10 years, my end balance will be forgiven. I need help in resolving this matter. I can be reached at XXXX for any questions or comments. Thanks for your attention to this matter. 

Sincerely, XXXX Customer/Complainant

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
My name 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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint:
My XXXX XXXX account ending in XXXX is showing late payments for XXXX, XXXX and XX/XX/2021 when I had asked for a hardship deferral due to covid which was granted by the lender. However, the account was reported as 30 days late three times. I have spoken with XXXX XXXX and they have corrected ( or said they would ) and I have attached the correspondence they sent me stating they would. It has been corrected on XXXX but not XXXX or Experian. I am attaching the XXXX results as well. This is very frustrating dealing with these credit reporting companies as I have written regarding this issue and nothing is done to fix the problem.

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 2020-07-31
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: U.S. BANCORP

Complaint:
I received card ( debit/credit ) in the mail that I did NOT apply for and don't want. Did someone use my ss # to apply for unemployment in Pennsylvania? That's the reason listed as to why I got this card. That is what they did with my number in NY. Please fix this. My credit was compromised back in XX/XX/2020 and many charges were made in my name at that time. Please try and catch these unscrupulous people. Thanks

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 2021-08-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL

Complaint:
On approximately XXXX, i bought a XXXX  XXXX console from XXXX-XXXX, using Paypal credit , synchrony bank. Vendor is a scammer, he shipped an item to my neighbor. It was not addressed to me and was not sent to my address. Vendor claimed item was shipped to ME, printed my name and address on an invoice and submitted that forged invoice as well as Real shipping tracking number from united states postal service. Excellent news for me, as this was the proof used by him to, paypal. I used that shipping number, went to usps, got the print out, faxed that usps tracking report to paypal as my evidence that no item was shipped to my address. 
Here is where synchrony bank is perpetuating the scam, and providing the scammer with easy victims. They accept his usps tracking number as evidence for the vendor, to claim a charge against the consumer, but that same exact evidence can not be used by the consumer ( because they will not or do not as a corporation, verify tracking ). How is it legal to claim an item was shipped to the consumer, yet the evidence proves it was not, BUT its not their responsibility to verify the validity of a tracking number, although they have no issues with it as proof of a shipment? They insist i return the item shipped, again not to my address, my neighbors. The item shipped has been turned over to the usps inspector in XXXX, arizona. Not that it matters that the fraudulent item is now in the hands of the us govt ( USPS ), paypal thinks i need to pay for an item NOT shipped to me, and their own merchant provided the usps tracking number. Paypal credit synchrony bank, tracking XXXX. Vendor was reported to ftc and XXXX XXXX, and has since changed his website name, and opened a new LLC for it. Dispute amount is XXXX. Many interest charges as well as accounting errors have fluctuated the amount. Consumer name under paypal credit account is XXXX XXXX. Scammer is XXXX XXXX. XXXX using unfair trade practices to include the perpetuation of the fraud, is synchrony bank, paypal. They do NOT verify shipping tracking numbers used to defraud customers.

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 monetary relief
Consumer complaint received 2021-12-29
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:
I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This false reporting has caused me severe financial injury, defamation of character and mountains of stress. I can't get a new job. I can't apply for credit. My wife and I can't buy a new home. I'm XXXX and reduced to low level apartments. I feel systematically oppressed. I also was denied an EIDL grant & SBA loan. Please help me fix this credit crisis.

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 2022-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX and 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 2023-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Albert Corporation

Complaint:
On XX/XX/XXXX there were 3 fraudulent charges tha were made on my card, 2 XXXX XXXX transfers and one transaction at an online clothes retailer. I never lost possession of my card. I froze my card immediately and informed them of the fraudulent charges in the only way that you can file a dispute a charge is by clicking on the transaction through the app. I then received a text a couple of days later stating that the charges would not be refunded because they were not fraudulent in nature which is false.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint:
I am having an issue with Experian in reference to the details that they are reporting on the membership side of my credit. This is directly affecting my FICO Score. I have repeatedly reached out to their company only to be yelled at by their customer service agents and told that theres nothing they can do and to reach out to different parties that have nothing to do with what Experian is reporting. I am enrolled in Experians monthly membership that allows me to view my credit report at any time. There are no negative indicators whatsoever on my credit report. A fact that the Experian customer service representatives have acknowledged multiple times. The issue is on the membership side of Experian it is showing that I have a serious delinquency of 60 days or greater and that I have one account with a late payment indicator. This is not present anywhere on my credit report and I am asking Experian to correct and update the information that they are reporting. They have refused and failed to do this on multiple occasions. If my credit report is not reflecting any negative indicators I should not have negative indicators on the membership side of Experian that they are sending to FICO. Please 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 explanation