hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-04-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: COMMUNITY BANK SYSTEM, INC.

Complaint:
I got a notice from my bank that my car loan was late. THAT day I went to the bank to fix the problem. They repeatedly assured me that it was their mistake, and that I had fixed it in a timely manner. I then received a letter that stated I was 60 days late on my credit for the late, that I was strongly under the impression had been fixed. I am outraged. HELP ME PLEASE!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
Subject : Formal Complaint Regarding Violation of 15 U.S. Code 6802 and Unprofessional Conduct Dear Sir/Madam, I am writing to formally lodge a complaint against one of your credit supervisors who handled my call on XX/XX/23 at approximately XXXX XXXX  PST. During the call, I encountered an unacceptable level of rudeness, refusal to let me speak, and ultimately, being abruptly hung up on after a prolonged 30-minute wait. This conduct not only violated my rights as a consumer but also failed to adhere to the standards of professionalism and customer service that should be upheld by Equifax.

I believe this incident constitutes a violation of 15 U.S. Code 6802, which outlines the obligations with respect to disclosures of personal information. This provision emphasizes the need for credit reporting agencies, such as Equifax, to handle consumers ' personal information with the utmost care, transparency, and respect. However, the behavior exhibited by your credit supervisor during our call was in direct contradiction to these obligations.

I expect Equifax, as a responsible and reputable credit reporting agency, to investigate this matter thoroughly and take appropriate disciplinary action against the supervisor involved. Additionally, I request that you provide a written apology for the unprofessional conduct and inconvenience caused during this incident.

Furthermore, if this matter is not satisfactorily resolved by deleting all the charged-off accounts, I may be left with no choice but to pursue legal action to protect my rights and seek appropriate remedies. Please be advised that under applicable laws, consumers have the right to seek legal remedies and pursue damages for violations of their rights. I sincerely hope it does not come to this, as I believe that a prompt and fair resolution can still be achieved through your internal processes.

I kindly request that you acknowledge the receipt of this complaint within five days from the date of this letter. I also expect to be kept informed of the progress of your investigation and the actions taken to rectify the situation.

I appreciate your immediate attention to this matter and your commitment to ensuring the protection of consumer rights. I trust that Equifax will take this complaint seriously and initiate appropriate measures to prevent such incidents from recurring in the future. 

Thank you for your prompt action in this regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
My information has been compromised possibly due to a data breach and now I have several accounts reporting negative on my credit that I do not recognize. There are several in collections already and I need your help to get these fraudulent items off of my credit report. I have tried with the credit bureaus to no avail. Please help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY

Complaint:
On XX/XX/2023 I received a text alert from the bank about suspicious debit card transactions. After reviewing the transactions I immediately called the bank and told them it was unauthorized and for the bank to block the card. 

On XX/XX/2023 I called the bank to submit a claim for the fraudulent transaction of {$1400.00}. 

On XX/XX/2023 the bank told me they have closed the case and will not be issuing me any credit saying I needed to contact the merchant to get my money back. That same day I contacted the merchant and made a case with them. After their investigation they found the suspect. I was told it was a cash advance transaction and the suspect was a female. I do not know this person and have never authorized anyone to use my card. 

On XX/XX/2023, I called the merchant and the merchant agree to stay on the phone with me to call Wells Fargo fraud department to try to resolve the issue. The merchant talked to Wells Fargo fraud department and a supervisor and explain to them all they had to do was send the merchant the request and they can forward all the docs showing that it was fraud but all Wells Fargo said was that the case is closed and can not reopen it up again. The merchant processor and I could not believe they would not do an investigation and send the merchant a request.

The bank basically said they choose not to pursue my claim and deny my request to process a chargeback because I still had my debit card with me. Of course I still had my card I did not give my debit card to anyone to use. I dont know if my card was skimmed or if my replacement card I had ordered a week before was stolen. I never received that replacement card. The bank wont tell me anything about the transaction just accusing me of giving someone my card to use when I have not given anyone permission to use my card.

I do not understand the bank denying to process my claim when it is a fraudulent transaction, even the merchant has identified the transaction as fraudulent.

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 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint:
I had 2 accounts with this company. I requested to have both accounts closed on XX/XX/2021, however, the company only closed one account while the other remained open. With the company sleeping one account opened, they incorrectly reported a 30-day delinquency on my report. I have called the company and was told that they would send an update to all 3 credit bureaus to update the account as closed and with no delinquencies. 

The company reported the accounts as closed, however, the delinquency remains on my report and this delinquency is preventing me from maintaining my home loan preapproval and I need it corrected IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX  XXXX XXXX, NV XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4400.00} ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022.

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 2023-08-15
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: Experian Information Solutions 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 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 explanation
Consumer complaint received 2022-02-08
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 — Investigation took more than 30 days
Company: Lending Club Corp

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC

Complaint:
Received a debt collections letter from Enhanced Recovery Company in XX/XX/XXXX stating I owed a debt of {$130.00} from an account that was with XXXX from XX/XX/XXXX. I disputed this via telephone call in XX/XX/XXXX and they said they would mark it as disputed, but it never happened and I never received company statement validating the debt, but the debt was then listed on my consumer credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.

Complaint:
Department of Education / Nelnet : I am no longer connected with Nelnet, for the loan has been transferred to XXXX XXXX XXXX. Also, I would like the Department of Education/Nelnet removed from all my credit reports. It shows negative/Late payment, yet my student loans have been either in deferment and/or forbearance since acquired. 

Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
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: EQUIFAX, INC.

Complaint:
There is inaccurate information on my credit file. I requested this information to be removed and they were never removed. I will like this information investigated and removed ASAP. 
1. Bankruptcy XXXX  XXXX is listed against me. I contacted the said court and they told me there is no bankruptcy listed against my name and social security number. 
1. XXXX listed missed payment to my account I do not have any such account ever in my life and I have asked the said institution and they do not have an account with my name on it but still credit agencies will not remove it. 
3. XXXX XXXX listed a missed payment I had an account with them but I did not missed payment for 30 days but they reported me to the credit agency they told me they have corrected the record but agencies still holding it against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
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: Experian Information Solutions Inc.

Complaint:
I have submitted a dispute with Experian and they keep responding that XXXX certified accurate. That is impossible because I have never had any account they claim.

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 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Product: Vehicle loan or lease — Lease
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC

Complaint:
In XX/XX/XXXX, me and my father co-leased a Maxima. After making on-time payments for 3 months, no payment history was showing up on my credit profile, while it was reported for my father. 

Ever since XX/XX/XXXX, I have been trying to get Nissan Motor Acceptance Corporation to report my payment information to the credit bureaus. After 12 calls to them nothing has changed. Each time they promised to send the information in, and that in 15 days it would be available for the bureaus, and they will update it within 90 days. Nothing has changed. 

Today, I called again. They told me they can not do anything, and that I have to call XXXX  and XXXX. I did. The XXXX representative said that NMAC can directly contact them, and have it fixed. NMAC is saying they can not do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
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: EQUIFAX, INC.

Complaint:
I opened a XXXX XXXX XXXX card by recommendation from credit building program called XXXX XXXX in XX/XX/XXXX. Shortly after opening the account I was hit with charges without using the card and without getting statement. I notified XXXX XXXX by phone to find out what happen. They explained when I open a card there is an annual fee upfront. So I paid it. However they reported me late on XX/XX/XXXX and this was a major hit on my credit that I have been rebuilding for 5 years. Then later in XX/XX/XXXX- {$49.00} was charged to my account again from XXXX . Again no statements and no notice XXXX XXXX kept charging late fees and I found this out when I pulled my credit in XX/XX/XXXX. Also to my surprise and Shock I had 3 derogatory late pymts from XXXX XXXX. I contacted XXXX XXXX in XX/XX/XXXX they demanded {$120.00} to discuss my account and enable me to put in a dispute. This was a clear evidence of Identity theft and fraud. I did not use this card. However I paid XXXX XXXX again {$120.00} to stop the bleeding of reporting more derogatory reports on my credit. Shortly after on XX/XX/XXXX XXXX XXXX finally responded to my dispute and AGREED I was not responsible for the identity fraud charges and all subsequent charges thereafter. I recontacted XXXX XXXX to inform them to please remove all these degratory actions dating all the way back to beginning XX/XX/XXXX. They agreed and also agreed to reimburse me the {$120.00} I paid them in XX/XX/XXXX. Unfortunately I did not get the next correspondancce until XX/XX/XXXX- again from XXXX XXXX supporting they reviewed my account and I WAS NOT RESPONSIBLE and they will report to all 3 credit agencies to remove my negative reports from XXXX XXXX. BUT I had to wait 60 more days. Unfortunately XXXX XXXX removed several negative reports but DID NOT remove the negative report from XX/XX/XXXX. and my credit continues to suffer almost 2 years later. I have been turned down for several car loans, house financing and much more. 












{$0.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC

Complaint:
I got a call from Transworld Systems today ( XX/XX/18 ) asking me to verify my wife 's date of birth and address. While I do have some debts in collection currently, we had not received anything from them in the mail. Also, I asked 3 times if they were debt collectors, and they refused to answer. They just said that were calling about a business manner. The number they called from was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
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: Experian Information Solutions Inc.

Complaint:
Experian and XXXX  have been reporting fraudulent accounts under my name XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX These are fraud, I didnt benefit, apply for, and authorize these accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: EVERBANK, NATIONAL ASSOCIATION

Complaint:
On XX/XX/2018 I opened a Yield Pledge Checking account after coming across an offer for {$150.00} with direct deposit. The terms of the promotion state that a {$150.00} promotional bonus will be deposited to the account after openeing the account with promo code XXXX, funding the account with {$5000.00} ( completed on XX/XX/18 ) and a direct deposit of {$1000.00} or more within 90 days ( Completed on XX/XX/18 and XX/XX/18 ). I have completed all the rquired steps for this promotional bonus and I have not yet received the bonus. 

After speaking with TIAA bank, they are disorganized and no customer service rep has been able to tell me why I did not receive the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.

Complaint:
Hello Beginning XXXX XXXX I disputed an amount on my credit report that was not owed. The attorney continued to call and Harass me about this amount of {$2100.00}. I explained I did not owe that amount. They refused to listen to me. 

Now the credit bureaus job was to gain evidence that the amount was inaccurate or correct. They continued to report that it was correct without even doing their job. Therefore this was to be deleted from my account within 30 days. I disputed 6x for an entire 8 months and no one listened to me. The Fair Credit Reporting Act states to verify and/or DELETE these inaccuracies within 30 days. They failed to do so. Why are they allowed to continue to keep this on my report inaccurate for 3 years? I want this deleted. I noticed recently that the price was changed, even after XXXX sent me a letter stating Paid in full, XXXX balance.

I 'm unsure why this amount is changed after almost 4 years. I called the National Credit Systems and they refused to delete it still. This is unjust to the laws that were put in place to protect the consumer. The new amount of {$620.00} on my report should be deleted and obsolete. 

I have been unable to secure a safe apartment for my children due to this inaccuracy that I reported in XXXX to all 3 bureaus MULTIPLE times for 8 months. Broken leases are not considered under any circumstances. 
This has gone on longer than the 30 day requirement to wait for an answer. 8 months longer. 
I want this deleted from my report as that was suppose to be done in XXXX XXXX after the inaccuracies were not investigated properly or deleted in a timely manner. 
How many people are being overcharged inaccurate fees that were not correct from the beginning? How many Americans are suffering with inaccurate debt placed on them due to a company mistake? I am not the only one. This should be stopped and the proper authorities should step in and give proper penalties to the bureaus and creditors for not following the Fair Credit Reporting Act accurately. Is n't that way it was written? 

Thank you for your time and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Erroneous, damaging information was not removed from my credit file. XXXX, Transunion, XXXX  did not verify information within the prescribed 30 days. Have not removed erroneous accounts from credit file.

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