hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-11-10
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 — Was not notified of investigation status or results
Company: CCS Financial Services, Inc.

Complaint:
My realtor checked my credit profile and there is a collection on all three bureaus for {$290.00} from CCS COLLECTIONS ALLEGED ACCOUNT # XXXX that does not belong to me I sent CCS a certified letter DEMANDING FOR VALIDATION AND PROOF OF CLAIM and received no evidence of such a debt from CCS XXXX This Notice is being sent to you in response to the reporting on my credit profile which is not VALID. I called the XXXX to verify this debt and no one could give me information on such a claim. Be advised that your reporting is being disputed and validation and proof of claim of the disputed debt is requested in accordance with the The Fair Debt Collection Practices Act,15 U.S.C. 16921692p, and as amended by adding the following new Title 8 USC 802., and the Fair Credit Billing Act, 15 U.S.C . 1666- U.S.C . 1666- All of which work in conjunction with each other, including the XXXX XXXX XXXX ( XXXX ) 15 USC 1601 et seq. In accordance with the Fair Credit Reporting Act Alleged account #, has violated my rights. 15 U.S.C 1681 section 602 A. { States I have the right to privacy. 15 U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. I am in the process of filing for {$1000.00} per violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
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: EQUIFAX, INC.

Complaint:
This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 ( Original Creditor XXXX XXXX XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
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:
Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
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: CREDIT ACCEPTANCE CORPORATION

Complaint:
I attempted to get a loan on a used vehicle in my budget for XXXX with over XXXX miles on it on the XXXX XXXX website In XXXX Michigan they ran my credit through XXXX different predatory lenders and I was denied because the vehicle had to many miles on it not because of my XXXX score. They attempted to make go through a high interest loan company with a 23 % interest rate. This doesn't help me the consumer that's XXXX and on social security. Now I have XXXX unwanted inquiries and no vehicle XXXX XXXX. This is ridiculous! Are there laws to protect me the co sumer from this? The dealership knew full well as he told me in a text " he was limited on financing due to the high miles on said vehicle "

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 2022-12-18
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:
I recently pulled my XXXX credit report along with My EQUIFAX report at the same time an notice wrong names listed within my credit profile. These names are inaccurate an should be removed immediately. 

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 2023-01-10
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to XXXX XXXX XXXX, Account number XXXX. XXXX XXXX XXXX Account numbers, XXXX. XXXX XXXX XXXX Account number, XXXX. XXXX XXXX XXXX XXXX Account Number, XXXX, has violated my rights. 
15 U.S.C 1681 Section 602A. States i have the right to privacy.

15 U.S.C 1681 Section 604A. Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c ( a ) ( 5 ) Section states No consumer reporting agency may make any consumer report containing any of the following items of info, Any other adverse item of info, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any info 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 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 2023-08-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL

Complaint:
got charged for XXXX dollars as an " adjustment payment '' for no reason I talked with several online customer services but they all claimed that this was a wrong charge and the money was already back to my account, but my statement for XXXX was XXXX dollars and it became XXXX dollars for XXXX. I only made XXXX dollars in purchasing items, the " adjustment payment '' is definitely not returning to my account And also, everytime I would receive a notification claiming that I've already successfully made the payment for the payment cycle, but then several days later I would receive another notification telling me that the payment is actually not successful and I would still be charged for XXXX dollars as late fee. why?

Company response to consumer: In progress
Consumer complaint received 2023-06-22
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 2018-08-29
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc.

Complaint:
The company keeps calling me after I've told them on several occasion the debt was paid, and equipment was sent back. The debt collection agency is Diversified and the debtor was XXXX. They are probably the worse wireless provider in the business. They perform Deceptive Business Practices, False advertising, horrible customer service, can never speak with anyone in the U.S. They say they are giving phones as gifts for promotions and it turns out to be a lie. There are horrible. I've tried to explain this to the collection agency Diversified but they are aggressive and they don't listen to reason, so it causes people to become irate, due to their unprofessional methods. I plan to file a criminal complaint. They call 4 to 7 times a day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
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:
The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Chapter XXXX Bankruptcy Dismissed XXXX, Chapter XXXX Bankruptcy Dismissed 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 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.

Complaint:
GM Financial has reported negative information regarding my credit score. I do not owe GM Financial anything. XXXX XXXX XXXX dealership does. I have no legal binding loan contract with GM Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.

Complaint:
I have tried to get the bank issuing a credit card to correct their error in failing to deliver my monthly statements in paper form through the u.s. postal service, causing a substantial drop in my credit score because of erroneous delinquency. I have filed a complaint about the bank and the other two bureaus. Now I need to the same because of a substantial change in the score by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
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: Mr. Cooper Group Inc.

Complaint:
Mr cooper mortgage put a negative report on my credit without notifying me of one late payment, no calls or letters was sent to me to remind me of the late payment. I'm on a process of closing on my new home which is suppose to be on the XXXX of this month. 
Please I want this issue to be resolved because the negative impact they made to my credit score is not fair to me and it's unacceptable. 
The late payment happened due to miscommunication between I and the representative when I make a payment arrangement with them in XX/XX/2022. 
The representative that I spoke to did not explain thoroughly to me about the payment, I tot I will start my regular payment in XXXX not knowing that It start in XX/XX/2022.

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 2019-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
My credit scores have been affected by a past credit card account that was opened years back without my knowing until recently viewing my full credit report.

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 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
Date updated inaccurate fcra violation delete account XXXX Date updated inaccurate fcra violation delete account XXXX XXXX  XXXX Date updated inaccurate fcra violation delete account XXXX XXXX XXXX Date updated inaccurate fcra violation delete account XXXX XXXX Date updated inaccurate fcra violation delete account XXXX XXXX Date updated inaccurate fcra violation delete account XXXX XXXX  Date updated inaccurate fcra violation delete account XXXX XXXX Date updated inaccurate fcra violation delete account XXXX XXXX XXXX XXXX  Date updated inaccurate fcra violation delete account XXXX XXXX XXXX Date updated inaccurate fcra violation delete account XXXXXXXX XXXX, XXXX XXXX Date updated inaccurate fcra violation delete account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Protection Association, L.P.

Complaint:
I received a letter from Credit Protection Association in XXXX regarding a debt that they claimed that I owed in New York on a debt that I am not familiar with. I responded to their letter within the 30 day period asking them to verify the validity of the debt. I did not hear anything from Credit Protection Agency until I noticed that my credit report showed a collection in the amount of {$10000.00} stating that I owe this debt. I have not received any documents to this date that this debt is mine and I do n't think they have the right to place it on my report, reporting a current opening date of XXXX 2015. Even the opening date on the credit report was placed on my report before I received the letter in XXXX.

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 2018-04-03
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: Experian Information Solutions Inc.

Complaint:
I am a victim of identity theft. Several years ago my office was broken into and several ID documents were stolen. I filed a police report and have attached it to this complaint. My credit file was accessed without my knowledge or approval online without me being physically present and showing an ID. I did not authorize the credit inquiry on the following dates from the following creditor : XXXX XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
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 asked the credit bureaus to do a verification of everything on my credit report and they did. They stated everything was accurate and I did a thorough research myself and I found improper inaccuracies on my credit report even after they did the thorough investigation. There is inconsistencies between the three credit bureaus ( XXXX, transunion, XXXX ) on the opening date of my accounts. 

DEPARTMENT OF EDUCATION - ACCT # XXXX BALANCE - {$5000.00} DEPARTMENT OF EDUCATIONXXXX ACCT # XXXX BALANCE - {$3100.00} And accordance with The Fair credit reporting act XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602a States I have the right to privacy 15 U.S.C 1681 section 604a section 2. It also States a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC

Complaint:
I have been called repeatedly about this debt from a law firm Aldous & Associates. It has been nonstop harassment. I have been receiving calls frequently at varying times, causing a great disturbance to my daily life. They have continued to contact me repeatedly and leave voicemails after I have already spoken to them over the phone. They refused to set up a payment plan and said to call back when I am able to pay. I dont agree that I owe the debt because it was a fee tact on by a former residential community, after I fulfilled all rents due. I was going to pay to have them stop harassing me, but even after I spoke with them and told them I would call back when I have the money and told them that I didnt need to be contacted further until I was ready to call back they continued with the harassing calls. This has given me great anxiety anytime the phone rings. Im also wary about potential legal action from this law firm because they are frequently calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.

Complaint:
Sensitive information compromised in Equifax hack.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
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: EQUIFAX, INC.

Complaint:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
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:
I called and spoke to the credit bureau about the items and was informed that they would be removed. I provided everything that was asked of me. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-15
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:
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 15USC 1681. 

XXXX XXXX XXXX XXXX ) : # XXXX, XXXX XXXX XXXX ( XXXX ) : # XXXX, XXXX XXXX ( XXXX XXXX ) : # XXXX, XXXX XXXX ( XXXX XXXX ) : # XXXX, XXXX XXXXl : # XXXX, XXXX XXXX XXXX : # XXXX 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 an 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 record 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 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 2022-04-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION

Complaint:
I purchased a new XXXX XXXX XXXX with a 60-month 0.9 % loan from Toyota Financial Services ( TFS ) at the dealership. I purchased an extended warranty at the same time. I then called my auto insurance company and realized that the extended warranty duplicated existing coverage. I terminated the extended warranty 48 hours after purchase, as permitted in the contract. The total amount of the auto loan was reduced accordingly. However, TFS says that the monthly payment amount on the loan will not be reduced. Instead the term of the loan will be reduced. 

I signed up for a 0.9 percent loan for 60 months. At the current monthly repayment amount, the loan will be repaid in 56 months. Shouldn't the 60 month term of the loan in the contract be honored? I was allowed to cancel the extended warranty without penalty. Requiring me to pay back the loan 4 months earlier seems to constitute a penalty. 

I have said this to TFS by phone and letter and they say that what they are doing is " standard practice. ''

Company response to consumer: Closed with explanation