hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-08-08
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:
XXXX violated the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, BUT THEY WILL GET AWAY WITH IT? 
Just this morning, Monday, XX/XX/XXXX, I found out through XXXX XXXX XXXX  free credit reporting service called XXXX XXXX, that Trans Union not only does not show anymore my 2 accounts with XXXX XXXX  as negative and derogatory accounts, BUT THAT THOSE 2 ACCOUNTS WERE ELIMINATED FROM THE TRANS UNION CREDIT REPORT AS IF IT NEVER HAPPENED? THIS DOES NOT SOLVE MY PROBLEM EITHER : ALL MY EFFORTS STEP BY STEP TO FULLY UPDATE AND PAY THIS 2 ACCOUNTS WITH XXXX WERE SIMPLY ERASED AS IF IT NEVER HAPPENED? I PAID AS AGREED A CERTIFIED PAYMENT AGREEMENT DIRECTLY WITH THIS BANK NEVER TO A COLLECTION AGENCY TO THE ORIGINAL ACCOUNT NUMBER AT THEIR OWN BRANCHES IN CASH, THERE ARE 2 LETTERS CERTIFYING THE BEGINING AND THE END OF THE CERTIFIED AGREEMENT BOTH FROM XXXX, A COLLECTION AGENCY LETTER RECOGNIZING THIS AGREEMENT INFORMING XXXX WAS GOING TO REPURCHASE THIS ACCOUNT AND RECOGNIZING I WAS PAYING DIRECTLY TO XXXX, AND ALSO, THERE IS A XXXX LOAN I FULLY UPDATED DIRECTLY WITH XXXX STEP BY STEP UNTL 34 REGULAR MONTHLY PAYMENTS AFTER IT WAS UPDATED ON XX/XX/XXXX THE SAME BANK SANTANDER PROHIBITED ME TO CONTINUE TO PAY IT? RETURNING MY LAST PAYMENT JUST TO KEEP REPORTING IT WAS A LOSS AND FAILED TO PAY WITHOUT NEVER UPDATING THE CREDIT REPORTS? ALL MY EFFORTS ARE GOING TO BE THROWN TO THE TRASH? XXXX OR THEIR NEW PARTNER XXXX XXXX DECIDED THIS SOLVES EVERYTHING? 

THAT IS NOT TRUE : DURING ALL THOSE YEARS OF INCORRECT AMD NOT PRECISE CREDIT REPORTING BY XXXX, SPONSORED NOW BY XXXX XXXX, MY CREDIT REPORT WAS SHOWING FALSE DELINQUENCIES FOR THIS 2 ACCOUNTS, I WAS CONSISTENTLY DENIED UNFAIRLY EVEN FOR SMALL LOANS UNLESS AT A TOO HIGH INTEREST RATE FOR AFFECTED CREDIT, HAD TO ACCEPT 2 MASTER CARDS FROM XXXX XXXX XXXX  AT A TOO HIGH INTEREST RATE OF 36 % THAT EVEN TODAY 5 YEARS AFTER WAS UNABLE TO CLOSE WITH A NEW SMALL LOAN JUST TO CLOSE THIS 2 CARDS WITH NO MONEY LEFT FOR ANYTHING ELSE? ALL THE NEEDS WERE NOT COVERED, HAD TO APPLY WITH MY MOTHER AS CO DEBTOR SEVERAL TIMES AND EVEN WAS DENIED WITH HER LAST TIME AT A PRE APPROVAL FROM XXXX XXXX XXXX FOR THIS PURPOSE?

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 2023-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
My name is 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 2019-08-09
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 am a veteran and currently have a VA loan with XXXX XXXX. On or about XX/XX/2019, I attempted to make a mortgage payment in the amount of {$2600.00}, using their website. My payment came back as returned. I was immediately notified on XX/XX/2019. 
As a result, I made another payment in the same amount on XX/XX/2019, in efforts to avoid any " 30 Day '' lates on my credit report. My payment was successful and posted on XX/XX/2019. 
I sent several emails to XXXX XXXX explaining the problem but they have ignored me thus far. Additionally, all three credit reporting agencies are now reporting that I was " 30 Days '' late for the month of XX/XX/2019, when my payment for XXXX has a 14 day grace period ( it has only been 9 days ), before considered two weeks late. 

I have called several times and spoke to atleast two reps asking them to remove the negative remarks from my credit report. Thus far they have ignored my request. 

Notice from all of my attachments I made my mortgage payment on XX/XX/2019. Also look at page 3 of 4 XXXX XXXX   statement in the amount of {$2600.00}, my payment cleared.

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 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK

Complaint:
Discover closed my account in XXXX they still did not answer who aged my accounts with all the payments til XXXX I demand an investigation as to who made the payments to continue to re- age my accounts who???? made the payments is my dispute. Because why would I make all these payments on a closed account. I demand a legitimate investigation because if I made XXXX  payments what source did they come from. Going to the FTC because this is fraud towards a consumer. Answer my dispute my dispute is who was making all the fraudulent payments on a CLOSED ACCOUNT it is my right to find out this information from DISCOVER THIS IS FRAUD, it is my Right to find out, who when and where these XXXX PAYMENTS CAME FROM aging my account if they came from your report should show what BANK, CREDIT CARD and or Institution they came from. 

DISCOVER IS RE-AGING ACCOUNTS SO THAT THEY WONT FALL OFF PLEASE SOMEONE LOOK INTO THIS. XXXX PAYMENTS ON MY PROFILE NOT WARRANTED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
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:
After reviewing my credit report, I have discovered erroneous accounts and information that are not associated with me. I did not authorize the reporting of this information on my credit profile, and it is significantly impacting my life. I kindly seek your assistance in resolving this matter promptly.

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 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.

Complaint:
My name is incorrect on both Experian, and XXXX. My correct name is XXXX XXXX XXXX. 
My address on both Experian and XXXX is incorrect. My address is XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Any previous addresses need to be deleted. 

Lastly I am 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 2023-03-20
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$3500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-06
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:
Dear CFPB-Please see attached files For months I have submitted complaints to Transunion regarding fraudulent items on my credit report and for months they have ignored my requests to remove these items. These are NOT transaction made by me as a consumer yet Transunion keeps treating them as such. They have not completed a thorough investigation of my complaint. They have made lazy inquiries into my complaints to the creditors of the fraudulent items allowing them to say that they are " verified '' without providing ANY proof whatsoever as to how they verified them. They haven't provided any written documents signed by me. They have been given any consent by me to report any items to my credit report. They just continue to allow these items which I have deemed fraudulent to continue to appear on my credit report. I have submitted multiple identity theft reports that have been ignored. My consumer rights have been violated. By law any item that I have deemed as identity theft shall be removed within 4 days of receipt of this letter. I would like for the items listed in the attached documents to be removed immediately. I look forward to your 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 non-monetary relief
Consumer complaint received 2020-08-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY

Complaint:
On XX/XX/XXXX, I made agreed to a debit transaction for {$910.00} to XXXX XXXX, a clothing store in XXXX XXXX, NV. Unfortunately, the clothes were never delivered to my hands. I waited extensively 2-3 hours beyond the agreed time and still did not have the clothes in hand. I requested the merchant to refund the order on XX/XX/XXXX. The merchant executed the refund on XX/XX/XXXX. 

Thirty days later, I am again charged {$910.00} for the same order according to the merchant. I have never received the product. I requested the Merchant to credit the amount back. The merchant never returned the funds to the account. 

On XX/XX/XXXX, I have finished compiling my account information for taxes and discover that the funds have never been credited to the account. I initiate a claim with my bank Wells Fargo Bank. On XX/XX/XXXX, I receive an email that the account will not be credited and the dispute is closed. I call Wells Fargo Claims on XX/XX/XXXX, after the explanation of the dispute request being over 6 months old they can not get my money back and direct me to work with the Merchant, XXXX XXXX I inform them of my efforts and ask to speak with a supervisor. I am then transferred to XXXX, a claims supervisor. XXXX takes the time to evaluate the VISA transactions to corroborate my situation. After VISA corroborates my story, XXXX informs me that the corporate policy is to not refund anything older than 120 days. I ask him to evaluate this as Fraud because the merchant continues to charge me 30 days after a refund. He says he can not. I ask for contact with a corporate executive to hear my complaint.

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 2021-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I am on SSDI fixed income i am XXXX looking for a place to live. I had a secured CC $ XXXX limited.i used it to build my credit after transunion erased my history because I tried to change my address to correct after giving all kinds of proof they said ok but now you have no history so I spent around $ XXXX building got it to XXXX well I am looking into home purchase I needed the $ XXXX secured to CC with XXXX I will get a new card unsecured use the money for down payment. As soon as I paid off CC closed it to get different card put XXXX in savings. I have know debts. But transunion dropped my score 68 points putting me from good XXXX to a borderline poor/fair for paying off card. Now I can't get the new card and no chance of buying anything not only that but they erased my XXXX years of perfect payment so I have no chance of doing any of my plans to find a place to live they screwed me royally just like wen I asked them to use correct address they erased everything. The first time I had financed a truck and motorcycle but they erased that that history was 10 yrs at least. They still won't change my phone num, not wat they have on file. BECAUSE I PAID OFF MY ACCOUNT TO PURCHASE A HOME THEY DROPPED MY SCORE 68 POINTS ERASED MY PERFECT 11/2 YRS OF PAYMENT HISTORY. LEAVING ME W POOR CREDIT AND NO HISTORY THEY WOULD RATHER ME LEAVE $ XXXX ON CARD PUT IT IN A DRAWER RATHER THAN USE IT TO BY A HOME I CANT AFFORD TO LEAVE $ XXXX SITTING IN A DRAWER TO MAKE THEM HAPPY. Now I have no chance of purchasing home can't get new card because now it has to be secured again I need that cash to live on I am basically screwed no home no CC all because I paid off my card. I am so mad I am looking into an attorney to file a law suit. Who governs these co. That who I need to talk to.they also kept derogatory info on account for 3 yrs after equifax removed transunion finally cleared after 3 disputes messing w my credit that whole time keeping me low points. I am out for blood I will do wat it takes file wat ever I have to testify in court they are screwing up my well being especially during covid I have been working on this for 5 yrs and gone in one day all the money I spent to get my XXXX just to purchase a home all history now thanks to trans union. I will be working up corporate ladder someone will eventually listen starting with XXXX XXXX and XXXX XXXX offices. If you have any leverage I thank you like to settle out of court but I am in for the long haul someone needs to make an example for others I know I am not the only one. And to do during Covid that takes a real dirt bag of a co. To do that EXTREMELY 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 2021-07-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates

Complaint:
paid as agreed ... should not have gone to collection ... submitted proof of {$730.00} paid back last year. Statement showed paid in full

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 2022-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I have been trying to pay off this card for over a year I keep making payments of about a XXXX per month and they keep on they keep on adding fees to it Making me start over again where I began at {$4000.00} Debt They are calling my phone every single day And their program says I owe {$800.00} as a minimum payment I can not pay this I want to put money towards the principle Not towards a constant fee I haven't even used the card In over a year. I am fed up and this is ridiculous I should be XXXX down by now On the way out update but yet I'm not This is in just and unfair They are sending a bill to my house every other day Harassing me calling me every day Sending the emails and letters and texts I don't want to call anybody because I will scream at them if I do. Is capital one credit services are a bully They deserve to be shut down by the feds And I don't recommend anybody use their services ever

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 2020-07-24
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 was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 14 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Company Inquiries : 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 explanation
Consumer complaint received 2023-05-24
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 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX 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 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. Also, The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please DELETE ASAP.

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 2021-09-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.

Complaint:
On XX/XX/2021, I reached out to Midland Credit Management regarding a possible debt that may be owed to their company. It was listed on my credit report, so I decided to take action. I requested validation from Midland Credit Management on numerous occasions. I received letters that were nothing but a stall tactic in hopes that I won't continue to ask for validation. The letter that was received basically asked, " what I was disputing? '' I was not disputing the debt, I asked for validation. I sent another letter stating that I was aware of my rights regarding debt validation, and I was ignored again.

Company response to consumer: Closed with explanation