hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-04-15
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, XXXX XXXX, never gave EXPERIANXXXX XXXX any written consent to report anything on my consumer report. I have already tried to solve this issue with EXPERIAN/XXXX XXXX by sending them correspondence on XX/XX/2021 and here it is XX/XX/2021 still no response. I did not request this block in error and if I, XXXX XXXX have received goods or services please have a senior executive send me a letter notarized under the penalty of perjury stating that I have received goods or services as a result of these alleged transactions in which I was not present for. Again, I did not consent, authorized 15 USC 1681b ( 2 ) nor benefit 15 USC 1602 ( p ) from these alleged transactions being 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 non-monetary relief
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Upon research of the Fair Credit Reporting Act removing and replacing an item on a persons credit report is Illegal and this company XXXX XXXX had removed this account from my credit report on XX/XX/2021 and then placed it back on my credit report XX/XX/2021. XXXX XXXX needs to be removed from my credit report permanently. This account is not mine

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 2022-10-11
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:
Despite the multiple previous written requests, the unverified item ( XXXX ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA. 

Since you claim youve verified the account ( XXXX ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not XXXX of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$0.00}.

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 explanation
Consumer complaint received 2021-10-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC

Complaint:
A notice of cease and desist, as well as a certified proof of contract was sent to Transworld Systems , Inc. on XXXX XXXX. However, they refuse to respond. Instead they continue to harass and contact me everyday a couple of times a day, since the date listed on the notification letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
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: Experian Information Solutions Inc.

Complaint:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX 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 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 2020-03-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance Corp.

Complaint:
Yesterday I called Exeter Financial to request help in suspending car payment this month and adding it back on to end of the loan-to extend the loan longer. During this covid outbreak, I am the only person in my household able to pay bills. They arent helping people out at all. Only waiving late fees. That really isnt helpful as I just need a break for the length that everything is shut down. My roommate/partners business is closed. I am the only one able to pay for anything. I have 3 kids. They have no policy in place to work with us who have loans through them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
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 USC 1681. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXXXXXX XXXX XXXX, and XXXX XXXXXXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2015-04-11
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: LOAN TO LEARN

Complaint:
XXXX has tried XXXX times to take me to court. 
XXXXThe XXXX time was in XXXX where the attorney for them was XXXX XXXX. XXXX XXXX hounded me and violated the FDCPA, and I sent him a cease and desist letter through an attorney. The attorney later left the case citing there was n't enough information to follow through on FDCPA claims ( I later found out I have a phone recording that verifies my statements and shows that the FDCPA was violated ). I went to the courthouse on XXXX/XXXX/XXXX at XXXX XXXX to no other parties and was told that the case was dismissed. 
XXXXThe XXXX time was in XXXX and the case number is XXXX. This was in XXXX after not following through with the lawsuit in XXXX, where I have stayed since XXXX. I was told by my father that a sherrif attempted to serve me papers at my parents house in XXXX of XXXX, my father told him that I do n't live in XXXX and the sherrif truned around and left. This time I recieved no notice in the mail about this lawsuit, aside from letters offering me representation from XXXX. When I called the letters back, I was told that since I live in XXXX, I ca n't be represented by them because they are in XXXX. 
XXXX XXXX of XXXX I recieve another letter in the mail from a lawyer offering me representation concerning a case against me. I was told a lawsuit was filed yet again by XXXX, but I had n't recieved anything in the mail. I look the case up ( again only off of information from mail that could be considered an ad ), and see the the hearing is scheduled for XXXX of XXXX. I start seeking representation to surmount a defense against this predatory lender, and while in the middle of this I recieve a letter on XXXX XXXX, XXXX saying that a judgement has been entered against me. 
1. I was n't properly served papers at my house for the most recent case, despite recieving the notice for the other case at my house from the same lender two years ago. 
2. This lender has used collectors that violate the FDCPA and have harrased me for years. 
3. The co-borrower is my mother, who passed away in XXXX. While my mother 's estate was being settled, my father and I recieved an offer from XXXX to settle the loan for {$7000.00}. When we were willing to take the offer, XXXX pulled the offer back after having adknowledged the fact that they initiated the settlement talks. This led to my father saying he will not help me with my student loans and XXXX starting these predatory tactics. 
I do not have the money to settle this matter, nor do I make enough the satisy the minimum payment. Everytime I speak to them and tell them my finances, I am told that I am lying about my finances and that I am living in poverty. If I am in poverty and I am telling you this, how am I lying? 
I do plan on paying these loans back, however I am not able to at the time. The job market is rough and dealing with these lenders are preventing me from devoting my energies on finding a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.

Complaint:
Santander consumer USA is obligated by the FCRA to report everything accurately to the credit bureaus. Why is a late payment being reported 3 different ways to XXXX, XXXX & XXXX? When i dispute it, they refuse to correct the information. The payment was not late. The way it was reported, it looks as if i have 3 late payments. Ive attached the images below. This is my 4th attempt in getting a solution from this XXXX  company. If you are obligated to report correctly, then do that. Why are my payments being reported differently based upon the credit bureaus? Are you intentionally trying to make it look like it was late 3 different times? So that you can make it look like you can tow my vehicle in the middle of the night? Ive disputed it 3 times. You refuse to fix the issue. This credit report was pulled on XX/XX/2020. This company is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL

Complaint:
I was reviewing my credit scores when I noticed there was a note on my Care Credit account, so I logged in only to find it had been closed less than 2 weeks ago. There is no balance on the card, I have had it several years, and made all my payments on time with no late fees. I tried to call the company to no avail. They lied to me on the phone twice, once stating that they sent out mail and email notifications that the account was going to be closed, but later backpeddalied and said the account was closed BEFORE they sent out these notifications, which I never received. Then, the first representative I spoke to actually told me that these " periodic automatic account reviews '' can be opted out of. When I asked how I would opt out, she said I'd have to review the terms and conditions. When I asked the supervisor I spoke to next, she said that information was false. Of course she also had to mention that they are not legally required to notify you of an account closure. I recommended they enact some better practices, such as requiring consumers acknowledge these notifications, either by certified mail, or some other electronic method, so that this does not happen, but again they are not required by law to notify you, so they care to have the integrity to do so. This appears to be a major issue with this brand, as I have seen on reviews for Care Credit on XXXX XXXX. And instead of taking measures to help their consumers and improve practices, they are derelict in their duty to responsibly provide credit services. There needs to be a law requiring credit card companies notify you BEFORE they close your account, and there needs to be ACKNOWLEDGMENT from the consumer that they understand this BEFORE the account can be closed. Because these practices are botching people credit scores, like mine. I am trying to apply for a mortgage, and I had this card open for a long time, helping my credit, but them closing it without my knowledge or permission, just set me back. Also, there should be a way for them to reinstate your closed account. If they can close it so easily, why can't they reopen it when THEY made a mistake? There needs to be accountability, instead of just 'oh well '. People who pay off their cards and are in good standing should not be penalized by a greedy system that can't make money on a card I only use for emergencies and special purchases.

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 2019-11-03
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:
XXXX XXXX continues to furnish paid information on credit file. Company received notices over 30 days ago. Company failed to comply according to FCRA Guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA

Complaint:
XXXX XXXX XXXX XXXX XXXX. 
Fed-loan servicing They mentioned my debt was {$27000.00} total loan they classified, when it was really {$24000.00} Mr. XXXX mentioned benefits will help with credit report. 
Mr. XXXX offered benefits to Prevent government from garnishments Make 4 payments of XXXX per month. First payment is XX/XX/XXXX. 
After those 4 payments were made, the rest of my debt would be granted. 
Original contact information : XXXX Representative / Account manager XXXX XXXX Manager ID # XXXX client care email : XXXX General Inquiry : XXXX Website : XXXX XXXX Cell That he texted me on was XXXX XXXX represented himself as a representative from the department of education. He had two separate companies that he was apparently working for. First was Fed-Loan Servicing, and second was XXXX XXXX XXXX. He would not give me any confirmation email about the status, and the details of our conversation until he received a method of payment. I received a code, and I provided it to him, and later I found out that the code gave him access to all of my financial aid benefits through FAFSA and XXXX. I'm afraid he has my banking information and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Dispute Letters ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a third Follow-Up Letter ( XX/XX/XXXX ), and a Fourth Notice of Intent to File a Formal FTC Complaint ( XX/XX/XXXX ). In total, I have sent four letters asking for a correction to my credit report. 
To date, I have had to dispute incorrect medical collections along with inquiries that are not mine four times. On different occasions, I have received responses from all three credit bureaus with resolutions being removed/deleted from my credit report. 

The inquiries XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX 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 2022-11-07
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: 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. 

FOR XXXX : XXXXXXXX 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 EXPERIAN 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 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief