hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Im being asked by XXXX the fair credit reporting act states 15 USC 1681 a section number 2 specifically states that under the exclusion that consumers transactions or experiences are not included in a consumers report me being the consumer have read the laws that govern the fair credit reporting act I want to know how and why when its not legal to put things on my report such as late payments when the fair credit act states its not supposed to be on my report it is unfair and illegal to report transactions or experiences when the law state that this is excluded from my consumer report this is for XXXX and transunion who both clearly dont know the law and/ or the definitions the burden of proof is on the creditor but Im being told illegally to give them a police report to remove the things that shouldnt even be on my report this is for the XXXX XXXX  credit cards that as stated is not mines and I have never seen nor touched this card Im asking that they prove that is is me which is impossible and there asking me to prove its not me thats not my job XXXX XXXX bank an XXXX XXXX XXXX XXXX va XXXX phone number XXXX XXXX XXXX in the fair credit act it say that these companies are not governed and have assumed responsibility and have not been appointed the authority to furnish these things on my consumer report please read consumer report definition this account should be deleted and removed completely from my credit report this is illegal please remove immediately from my consumer report congress state consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I ask that the cfpb stand firm in the laws In which govern these agencies to whom is tarnishing my reputation and destroying my credit worthiness.

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 2022-11-01
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:
Hello, I am reaching out yet again in reference to fraudulent items that I have reporting to my credit. After speaking with Experian, XXXX and XXXX I was told the steps that I needed to take to have these 2 fraudulent accounts removed and even after completing I have yet to get an update let alone a removal. My latest attempt occurred XX/XX/2022 which I submitted a notarized affidavit as well as an FTC report for the accounts in question. Yet these accounts remain on my account.

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 2020-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA

Complaint:
I purchased items on XX/XX/2020 online with XXXX XXXX. Merchant stated item would be sent out within a week. Cancellation can be requested if they do not ship out within 25 days. On XX/XX/2020 I emailed merchant requesting cancellation since 25 days had elapsed. They did not respond or acknowledge my request for cancellation. On XX/XX/2020 the items were received by me, which I did not want at that time. I emailed merchant, again no reply. I contacted Apple Card to open a dispute, and Apple Card told me that they would not open a dispute unless I send the merchandise back. So on XX/XX/2020 I sent the items back to the merchant, and they were received on XX/XX/2020. At this point Apple Card was investigating my dispute, but 2 months later aided with the merchant with the decision that I had made the purchase. I reopened my dispute, stating I had cancelled my order, returned the merchandise per Apple Cards guideline for opening a dispute, and at this point I just want me money back. Per the merchants website, refunds are not given unless the stated shipping time has elapsed ( 25 days ) or you have received the product ( which was almost 2 months ). Also per their website, they wont refund purchase unless its within 30 days, which is completely ridiculous since they dont plan on sending merchandise until at least 25 days after order date. I have already filed a complaint with the New York XXXX against this company, and last I checked their website is no longer active. Apple Card has repeatedly sided with the merchant, refusing to acknowledge the deceptive shipping/refund policy of the vender, as well as the fact that I tried in good faith to cancel my order per the websites stated shipping policy. Instead, Apple Card insists I made the purchase, and they also insisted I return the merchandise before they would even consider opening a claim for my dispute. So I feel like Im being mislead and treated unfairly. Im tired of dealing with this matter and having the same decision even though I have returned the merchandise and tried to work within all stated policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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 writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX XXXX XXXX Child support with account XXXX XXXXXXXX opened on XX/XX/XXXX and a balance of {$850.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
XXXX from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
XXXX from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter.

Company response to consumer: In progress
Consumer complaint received 2022-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings

Complaint:
I.Q Data International , Inc has sent me a letter on XX/XX/XXXX that I owe {$750.00} which they have credited to XXXX XXXX XXXX apartments in XXXX XXXX. 
I used to live in XXXX XXXX in these apartments in XXXX, one month before in XX/XX/XXXX I informed them that I am leaving at the end of XXXX, they agreed and signed a paper mutually that everything is clear and they will send my security deposit back to me later. When I called them later asking for my security deposit without any real reason they told me your apartment garbage and lock replacement is the reason you are not eligble to receive it. After almost two years sending another letter from a collection agency claiming the same things and asking for another {$750.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC

Complaint:
On or around XXXX to XXXX I show a lot of Preapprovals I never paid any attention. but credit karma kept sending me all sorts of different preapprovals telling me that I was preapproved for credit cards and personal loans and refinance my car. every day I would see offers every time I logged in to check my credit score. few months of being told that I was preapproved I thought I was no in a place to apply I got so many offers from credit karma I started telling my whole family about vacations and investments we were going to use these pre-approvals for. so I finally apply. Some Time in XXXX and I was denied for two credit cards credit and a personal loan. I was destroy Im very and I was busy marketing to. Credit card told me I was approved this was a lie. I was so sick and destroy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
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:
I submitted a dispute with the XXXX XXXX, Equifax, and XXXX concerning 2 bankruptcies on my report each one one came back verified. But I reach out to each company to see how it was verified and how was it verified I got no response from them. Im requesting form each company to delete this from my file if they cant provide me with Tia information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.

Complaint:
In 2014 (? ) I opened a XXXX XXXX  XXXX for dental work. I was a recent widow and did not have dental insurance nor did I have a large bank account. Before I knew what was happening I was at the dentist every week and racking up a huge bill. When I realized I could not make a payment I called the company right away to let them know. I even wrote to them to work out a different payment plan until I found better employment. 
They would not work with me so they reported bad debt to the Credit Reporting agencies and sold my account to Credit Corp. At the same time they were still trying to collect from me. When I questioned that they told me since they sold it for less than what was owed they were permitted to do that. 
I worked out a payment plan that I could afford with Credit Corp and was making my monthly payments for over a year. In fact they would deduct it from my account. When I got laid off from my job due to the Coronavirus I called them to let them know that I would not be able to pay and that the checking account was also going to be closed. I would start making them again when I could. They told me I still needed to make them regardless. Now I am getting phone calls and mail regarding this. With all the payments I have made this is hardly impacted the dollar amount and it may have risen. 
Is there anyway to make these people cease harassing me until the pandemic is over? 
I have gone back to work but since it is commission based I am not earning a commission and don't see that happening the future. It's going to be a while before I can start paying again and I don't want them or XXXX XXXX to post negative remarks to my credit report again. 
Thank you for looking into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2022-02-16
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to mXXXX XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.

Complaint:
I initially filed a complaint XXXX and stated the below. 

" Looking at my credit report on XX/XX/XXXX I saw accounts in collections and I never gave any company the right to share my information whatsoever. One account was for {$200.00} and one for {$170.00} which is listed on my credit report as account XXXX. I sent a letter to the agency today on XX/XX/XXXX requesting that they validate the debt and show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I do n't know who this company is and never received any letters from them. They are in direct violation of the FCRA ( Fair Credit Reporting Act ), the FDCPA ( Fair Debt Collection Practices Act ) and HIPPA ( Health Insurance Portability and Accountability Act of XXXX ). '' company responded " Ref # XXXX {$200.00}, # XXXX {$170.00} To Whom It May Concern : This letter is confirmation that a complaint was received from your office on behalf of XXXX XXXX XXXX. Please let it be known that this complaint was taken very seriously. XXXX XXXX 's complaint was examined by our Compliance Department, and a request was made to retrieve call recordings. There were no calls found. Our company did not file litigation on either account and have no intention to do so. Commonwealth Financial Systems was assigned both accounts for collections on XX/XX/XXXX. We are a third-party collection agency and as such we no not have contracts directly with consumers. We service accounts on behalf of our clients. Letters of validation were mailed to XXXX XXXX on or around XX/XX/XXXX. Commonwealth will send a deletion request to the three major credit reporting agencies to remove the accounts from XXXX XXXX 's credit history as the accounts are being investigated. In addition itemized billing statements will be mailed to him to the address listed in this complaint. I hope this response is satisfactory to XXXX XXXX and addressed his concerns. XXXX XXXX can contact our agency should he wish to discuss this matter by calling our toll free number, XXXX ext XXXX, XXXX XXXX XXXX , Collection Manager. If he has any correspondence that would verify that he is not responsible for this debt he should send it to our office so that we can forward to our client to be researched. He can mail it to our address XXXX XXXX XXXX XXXX XXXX, PA XXXX, fax to the Client Services Department { XXXX } XXXX, or email XXXX. Please do not hesitate to contact my office should you need further assistance. Thank You. XXXX XXXX Client Services This is communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. '' Company has not deleted this collection account from my XXXX report as they said they would as per the above statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.

Complaint:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
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:
There is information reporting on my credit file that does not belong to me : XXXX XXXX opened XX/XX/XXXX ( Please remove from my credit file ) XXXX XXXX is inaccurately reporting that i was late in XX/XX/XXXX. Please remove these inaccurate lates on my credit file. 

Please remove incorrect address information : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX, and XXXX XXXX Please remove unauthorized inquiries. I did not authorize these inquiries. 

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 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 2023-06-12
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: Experian Information Solutions Inc.

Complaint:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and am including it again. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/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 2023-04-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.

Complaint:
Resurgent Corporation and LVNV Funding LLC have threatened and harassed me multiple times regarding a debt they state that I owe for XXXX XXXX which I do not. At NO POINT have I ever had an account with RESURGENT OR LVNV but they have placed THREE NEGATIVE ACCOUNTS ON MY XXXX, XXXX and XXXX credit reports causing significant damage to my credit score and effecting my personal life. I have been harrassed and this experience has caused XXXX XXXX  to the point that I have been forced to take XXXX XXXX as well as I am now seeking legal help for the harassment from them. I have requested multiple documented times to receive official signed original copies of ALL contracts stating I agreed to pay the debts they are stating I owe as well as proof that they are licensed to collect debts in the state of Michigan and to no avail I have received no authentic original signed proof on there end that I owe any debt. My next step is to file a suit with 36th district court.

Company response to consumer: Closed with explanation