hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-08-12
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: ALLY FINANCIAL INC.

Complaint:
List of names addresses and accounts are all in my credit report that isnt me I try calling to Get them remove was told I couldnt remove them bc they are associated with address and account that arent mines! I would like all the names and accounts investigate and removed from my 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 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Credit Karma, LLC

Complaint:
Over the course of the past few days I have attempted to retrieve my credit score using a number of different credit reporting applications and services, most notably : XXXX, XXXX, Credit Karma, and XXXX XXXX. After entering my information in all of these services ( name, address, SS #, phone number etc ... ) all of them have told me the same thing : " your information does not match what the credit bureau has on file ''. This is extremely alarming, as I have double and triple checked my information every time, even with my mother, and all of the information I have entered is entirely correct, leading me to believe that the credit bureaus file on me must have incorrect information. I need to rectify this, as the time has come for me to buy an apartment. Thank you for your time, I hope to have this worked out soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$9200.00} XXXX XXXX Balance XXXX {$1200.00}

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 2022-05-19
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: Experian Information Solutions Inc.

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, account # XXXX, XXXX XXXX, account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, and XXXX XXXX, account # XXXX have all 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 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 explanation
Consumer complaint received 2023-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.

Complaint:
Someone contacted me by phone from XXXX and my phone identified the call as being from XXXX, Ga. The woman identified herself as XXXX XXXX from XXXX XXXX and said she was collecting an over {$800.00} debt that went into debt collection from my phone company, which she identified. She asked for verification of my address and birth date. I told her that I would contact my phone company and she said to call back to take care of it. I called my phone company and they said my account was in good standing and I owed nothing. This is disgusting fraud- makes me sick.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
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: Midwest Recovery Systems

Complaint:
I looked anatomy credit report and saw numerous problems with it. I disputed information that was incorrect and not mine and it came back as verified but was not validated. I never had an account with this creditor and I do not owe this debt. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Convergent Outsourcing Opened XX/XX/XXXX {$590.00} Midwest Recovery Systems Opened XX/XX/XXXX {$7200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
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:
On XX/XX/2019, I sent Equifax to verify accounts that I had questions about and provide me with the method of verification that would prove that they actually investigated the problem. I requested to recieve any findings to this dispute in writing.  On XX/XX/2019 I called Equifax  out of concern that the dispute had went passed the statute of 30 day and requested the information in dispute be deleted due to law saying that they only have 30 days to  verify a dispute  or the information in question must be deleted.  The representative refused to acknowledge the law and kept saying she will provide me with a explanation of the dispute on 10 days. I inform her it was pass the 30 days and would like the information deleted immediately.  She refused so I ask for her identifying information to prove that I called. Instead of providing me with the information the rep hung up in my face. I do have a recording of the conversation if Equifax would like to here and i have information showing as of XX/XX/2019 some of the information that was disputed is still in dispute which is well pass the 30 days in which I will attach to this complaint.  I have used Consumer finance protection bureau to keep up with my complaint s and history show that every recent dispute expanded pass 30 days and Equifax continues to report the information that is in question. The Public record is still in investigation and I  also have that attached to show its been over 30 days and I have not received a final answer within 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
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 XXXX Account # XXXX XXXX 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 2017-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANCO POPULAR DE PUERTO RICO

Complaint:
My information on my  XXXX  credit report is not accurate.     It shows that I paid late on my mortgage with  Banco Popular  multiple times.  XXXX    XXXX   was the servicer during that time . Banco Popular b egan servicing the mortgage on  XXXX     2015. Th ere are multiple  30, 60, 90 and  120 day lates on my credit from before  Banco Popular bega n servicing my mortgage.     These should not be on my credit. Please verify the date  Banco Popular  became the servicer and if any payments after they began servicing were late.

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 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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 USC 1681.

has violated my rights. Or list of inquiries 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 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.

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 2021-07-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
In XX/XX/XXXX, a 30days past due was reported on my credit report via XXXX  credit card. 
During this time i had contacted XXXX and tried to fix the problem with them. I tried to explain that my XXXX card had not been active for a few years and i simply forgot that i had used it for a purchase. I asked to make the payment in full and for it to be forgiven from my credit report. 
I have had this card since XX/XX/XXXX and my payments are always on time except for this one incident. 
My past due was still reported ...

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 2020-06-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc.

Complaint:
Conn 's home pluse in XXXX, Tn talked me into buying a washer and dryer. The day the supposed to drop it off they didn't it was days later. I called them and told them that I no longer wanted the washer and dryer. Not only did they dropped it off they dropped it off with extra attachments I didn't want costing me XXXX extra. When I told them to come pick it up the sales associate stated that they can not take back used items after 30 days. I didn't even use it and it was less then 30 days. Now they call and text me 10x a day. Keep reporting to different credit Bureaus all 3 dropped them from my credit score now they charge it off making my FICO score extremely low. The reported I owe over XXXX dollars for a washer and dryer. I need help dealing with Conns Home Plus they need to be closed down for the fraudulent practices scamming people. They are trying anyway they can to ruining my credit when all they had to do is pick the merchandise back up a d resale it. But the customer service agent told me when I called to come to agreement that I can sale the washer and dryer and pay them the money so it want effect my credit. I need help getting this removed from my credit score and them shut down for bad sales practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Regional Management Corporation

Complaint:
I took out a personnel loan using my car as collateral. Well for I while I was making payments pretty much on time with once in a while being late. Which is technically my fault. Then I started making payments again on time. Well then in last few months a had some finical problems come up, car breaking down, getting sick and being out of work. I informed XXXX of this and told her ( Manager ) that I was doing a mortgage on my home and was gon na pay them as soon as all that was taken care of. The manager of XXXX XXXX keep calling and kept calling sometimes five or six times a day. It got so bad that I refused to take any more calls. That I understand, but when you tell them that you waiting on your closing date and that when that happens they will get their payoff, the phone calls should not be coming in at five to six times a day. The last payoff I got one of the clerks in the office said that if payment was not received by the end of this month legal actions will be taken. This happened on the XXXX of XX/XX/2018. Well this past Monday there was a legal document brought to me by a neighbor who said it was dropped off at their house by mistake. I called XXXX XXXX and told XXXX whom works there that they will receive the check for pay off Monday XXXX XX/XX/2018. I asked who delivers the court papers and XXXX said that they have a third party that delivers it. My concern is that my personal information was on this form and what right do they have to give papers to someone and they aren't even checking too make sure that person is the right person. I don't care about the phone calls but to leave court papers with someone other than me is beyond me. I know that all this could have been avoided had I paid my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC

Complaint:
National Credit Adjusters are constantly placing calls to my employer to contact me despite being told via a written " cease '' request, with fax confirmation receipt on XX/XX/XXXX, to stop. I informed them on XX/XX/XXXX in writing that I could lose my job for too many personal calls or calls such as these. However, their calls continue. The National Credit Adjusters are calling from is XXXX and the persons calling my place of employment are : XXXX XXXX, ext XXXX, made multiple calls to my employer. The last one was on XX/XX/XXXX ; and XXXX XXXX, ext. XXXX made multiple calls to my employer. The last one XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
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:
XXXX XXXX XXXX Original Creditor Name XXXX XXXX Account # XXXX They are reporting my medical debt on my credit report that is in direct violation of HIPPA. XXXX XXXX XXXX did NOT provide me with a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I contacted the bureaus to have this item removed and they have NOT complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY

Complaint:
I have banked with Wells Fargo for the past 8 years until they recently closed my account due to overdraft payments and account mix ups. Apart from being over sold different saving accounts for myself, my wife and even my son I was a happy customer up until the last 6 months. I recently went through a troubled period with my wife that led to me losing my job and also my wife opening her own account to rather than use our shared account at Wells Fargo. Everything came to a head when my wife and I worked things out and she asked Wells Fargo to close the account she had recently set up. Wells Fargo closed our joint account instead which led to problems with paying in funds to our joint account and being able to withdraw any monies that were already in there. From that moment on everything went into a spiral, late fees, missed payments on bills, credit cards and no real help from any of the tellers at my local branch. Eventually the correct account was closed and the other account reopened but the damage had been done. Now there 's a {$700.00} overdraft on the account which Wells Fargo have closed which of course hit my Credit Score hard. There 's also closed Wells Fargo Credit Cards one for {$300.00} and another for {$1500.00} that are all collecting large interest penalties while I try to recover from the mix up. I 'm now back in full time employment and able to take on a reasonable debt repayment program but feel Wells Fargo are partly responsible for the accumulated costs.

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 2023-01-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.

Complaint:
In XX/XX/2022 I paid off the card. I called to get the current balance and while on the phone, paid the stated balance off. Lane Bryant continues to charge me and I cant understand their customer service reps. Every month since payoff they add more money to balance. 

My payoff per their credit card phone system needs to be honored. 

It should not be this XXXX to do the right thing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-21
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:
I am a natural person, im a living human being, and i have the rights under 15 USC 1681 Equifax is govern by 15 USC 1681. AND THEY VILOATED MY RIGHTS NUMEROUS TIMES. 
I Demand these accounts listed below be remove becasue ACCORDING to 15 USC 1681 : I have the right to privacy and I DID NOT give written permission to equifax to furnish these accounts... 

Accounts : # XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
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: SYNCHRONY FINANCIAL

Complaint:
I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX XXXX XXXX  Date of inquiry:XXXX XXXX Date of inquiry:XXXX XXXX  Date of inquiry:XXXX SYNCB Date of inquiry: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 2022-12-19
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: Experian Information Solutions Inc.

Complaint:
Experian, XXXX, XXXX Are reporting inaccurate information on my consumer credit file. With companies as per late payments 15 usc 1681 A602 15 usc 1681 604 A 15 usc 1666 B 15 usc 1635

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 2022-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION

Complaint:
On XX/XX/2022 I logged into check my credit report and found an account that was fraudulently opened in my name with BB & T Bank in the amount of {$11000.00}. I have since resolved this issue with XXXX  ( XXXX XXXX XXXX XXXX ) who is the debt collector and I am now working with Truist Bank ( BB & T ) to make sure my case has been discharged 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 explanation
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.

Complaint:
Citi offered transferring cashback into thankyou points to shop at XXXX. I transfer XXXX XXXX into XXXX thank you points. I log into XXXX and I find that my XXXX points are now worth XXXX to purchase. The fact that Citi is advertising that I can use citi points at XXXX without disclosing that i'd lose 20 % of the value is theft. If they stand by their offer as being fair, they should also allow for reversal of my thank you points into cash rewards, which they do not allow and declined when i called to ask for this.

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