hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-05-02
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: TOYOTA MOTOR CREDIT CORPORATION

Complaint:
I have an auto lease with TOYOTA MOTOR LEASING. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. Account : TOYOTA MOTOR LEASING XXXX Date opened XX/XX/2017 Balance {$7000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09
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 following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written consent. 

I never authorized or consented to any of the accounts being reported on my credit report. 

XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX 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 2018-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC

Complaint:
Debt went to collections in XX/XX/XXXX and they have it as being opened in XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc

Complaint:
My phone was stolen while visiting a XXXX XXXX property. I wasn't able to check balances or anything because I didn't have my phone, and I continued to use the bank card in my posssession, however I did not immediately realize my XXXX XXXX account was hacked. I noticed four unauthorized charges in the amounts of : {$210.00}, {$100.00}, {$300.00}, and {$420.00}. I got my account pretty much drained. I submitted documentation, police reports and have also written to my state senator for assistance. Up to XXXX is suppose to be FDIC insured, and Chime came to a very quick ( 24hr ) decision that no error occured. I was robbed and they refuse to do anything about it because of a lack of manpower, in my opinion. This should not be happening to people who trust Chime with their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint:
XXXX -EXP'RlAN AIrt : Your scores dropped XXXX pts from two new crdt lines ... CIose here, within 48 hours : XXXX XXXX Received from text message : 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 2023-07-03
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:
Today, I am submitting my CFPB Complaint to inform you that I am a victim of identity theft. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress and this was my several attempts to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The 3 credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The inaccurate information are reporting to my credit file held with 3 credit bureaus. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items to be removed from my report ASAP : XXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX 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 2018-03-10
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: EQUIFAX, INC.

Complaint:
Never came to terms, Have no debt with this lender what so ever, Had i known the terms submitted by the lender, i Would have never Submitted a Credit application. 

XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX XXXXXXXX, MN XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX XXXX XXXXXXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX from XX/XX/XXXX Institution Information XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.

Complaint:
Calls are coming in from No Caller ID every 20-30 min up to every hour, and from XXXX - XXXX PST. I am not behind on the bill & my account states its in good standing. This is harassment. They also call from XXXX area codes for commenity bank. It is for Victoria secret. I received a letter stating my account was not past due the past week. This is absurd.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
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: Ocwen Financial Corporation

Complaint:
divorce : property was kept by ex-wife and sold by ex-wife. 
very unfair credit reporting due to ex-wife Ocwen loan servicing acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never late always reporting that i am late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.

Complaint:
On XX/XX/2019, I requested the collection agency, DIVERSIFIED CONSULTANT INC, located at XXXX XXXX XXXX XXXX, XXXX, XXXX, to validate my debt under the Fair Debt Collection Practices Act and have asked to provide the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say i owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : I have advised them if their company fails to respond to this validation request within 30 days from the date of reception, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX, and XXXX  } request shall be sent to me immediately. 

I have given them 30 days to remedy the situation, which is a very reasonable period. And I have received no reply from them, though I did receive a confirmation via certified mail that they have received my letter on XX/XX/2019 usps tracking:XXXX Those actions do not meet the Federal Trade Commissions guidelines that demand collections agency to properly validate the debt upon request. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item.

I have advised them that reporting this account on my credit report, now put them in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect by filing a claim in small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.

Complaint:
XXXX XXXX XXXX NEVER HAD A 30 DAY LATE XX/XX/XXXX ( DURING PANDEMIC ) FALSE REPORTED CARDS WERE OFFERED EXTENDED PAY. 

NEVER HAD A 30 DAY LATE XX/XX/XXXX NEVER HAD A 60 DAY LATE XX/XX/XXXX NEVER HAD A 90 DAY LATE XX/XX/XXXX NEVER HAD A 120 DAY LATE 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 explanation
Consumer complaint received 2022-09-02
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
After reviewing my consumer report, I have observed erroneous accounts and information that are unrelated to me. I did not provide authorization for any of this information to be included in my credit record, and it is significantly impacting my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC

Complaint:
XXXX XXXX, a health club in XXXX New Jersey went out of business during the pandemic. They closed the gym for a period of time so I canceled my membership. And stopped the reoccurring payment on my credit card. 
XXXX XXXX, another fitness club moved into their space once XXXX XXXXXXXX was shut down. 
XXXX XXXX  now claims that I owe them for membership dues of {$140.00} I have no business or contracts with XXXX XXXX. Im not going to nor have I gone to a gym because of the coronavirus event. My credit card was reoccurring payment was canceled when XXXX XXXX  went out of business. XXXX XXXX  continues to try to collect this debt which I do not owe to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK

Complaint:
To Whom It May Concern : XXXX XXXX Discover Bank Account No : XXXX I have contacted Discover Bank card services several times about the incorrect reporting of the balance they show I owe. 

The outstanding debt has been paid in full, but it is still showing on my credit report with an open balance of {$370.00}. 

I sent a letter to all three credit reporting agencies with proof the debt has been settled through Discover Banks ' third-party collecting agency XXXX XXXX XXXX XXXX but as of my latest credit report, this debt is still listed as owed and does not reflect a XXXX balance. 

I have attached a copy of the communication from XXXX XXXX XXXX showing this debt has been settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.

Complaint:
I have been working with XXXX XXXX XXXX , XXXX since the XXXX of XXXX. I called them on the XXXX of XXXX XXXX and spoke with a account manager about how or what I need to dispute this debt that I just found on my credit report when XXXX XXXX from XXXX XXXX. She informed me that I had a debt in collections from XXXX XXXX, XXXX. I informed her that I never had a credit card through Citibank, NA. So I contacted XXXX XXXX XXXX, XXXX on the XXXX of XXXX XXXX they told me they would send me a what I need to do and the information they have on the case. The paperwork states it was typed up on the XXXX of XXXX XXXX. Where they give some details about the account. And what information I need to seek if I want to dispute it. So after I received this packet I started filng reports the day of receiving the paperwork on the XXXX of XXXX XXXX. I filed a complaint report on ther FTC.gov for Identity Fraud as per stated in the inforamtion they sent me to get, and I also have contacted my local sheriff 's department to file a police report. The deputy came out to my house on the XXXX of XXXX XXXX and I showed him the information that XXXX XXXX, XXXX sent me. He wrote up his report and gave me a card that had his name, title, phone #, case #, address of police station. I have scanned the business card the sheriff gave me and the report for identity theft report and have faxed the paperwork to XXXX XXXX, XXXX on the XXXX of XXXX XXXX. I called them and spoke with Account Manager XXXX, he said they have n't recieved the fax, and to wait 3 business days for their company to receive and upload documents to their system, but I could also email. So I emailed them on the XXXX of XXXX XXXX. I have been calling them every week to keep hearing the same information to call back next week or the information you sent is Invalid and they will contact their legal team to see why infomration ( police report, and FTC Identity Theft Report ) is invalid, and inform me to call back every week. So I 've had enough and trying to take this to a higher level.

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 2021-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY

Complaint:
Since XX/XX/2021, every time I've made a payment AMEX has refused to let me use my line of credit unless they called my bank to verify that I have money in the account or that the payment was posted. They even blocked my card and made me verify my bank details when I attempted to buy a bottle of juice of the train. This was never the case before then. My XXXX  friends who have the same card are never forced to verify that they have funds before using their line of credit. This makes traveling extremely inconvenient. At first, their excuse was that I was randomly selected to verify my information. Then it was that I tripped security protocols without emphasizing what exactly happened to do it. On XX/XX/2021, and XX/XX/2021 their dashboard claimed that a payment was returned for insufficient funds. Not sure if it was because of the weekend or holiday but in my bank statement it showed that AMEX took the money from the account without issue. They revoked my entire line of credit because of it. I was forced to call my bank again because I knew that was a lie. They did not leave a note updating this discovery for the next agent. They did not remove the false returned payment listed in the dashboard. Each time I make a payment I am forced to call my bank to verify redundant information and each time my bank sides with me. I believe American Express is discriminating against XXXX cardholders. There is no reason why I have to verify my bank each and every time I make a payment to access my line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
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:
Asked both XXXX equifax and XXXX to delete fraud inquires and accounts off my credit report and they have failed to do so after they said I would have an update with the deleted items within 24 hours and after 72hours no change I was told this twice once a month ago and recently this week the credit bureaus also failed to send me an updated copy of my credit report along with updating personal information such as name address and employer were never updated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL

Complaint:
In XX/XX/XXXX I noticed a fraudulent charge of {$2.00} from XXXX on my Synchrony SamsClub credit card. I immediately called Synchrony to report the fraudulent charge. They recommended I talk with XXXX  for resolution. I called and emailed XXXX over the next couple of months. Ultimately, they said they could not find where the charge was coming from, what it was for and did not see it on my account. But they said they could not stop the charges because they couldnt find it. They recommended that I have my credit card number changed. I called Synchrony and had my credit card number changed TWICE in the past 3 months to resolve this issue. I have been reassured by multiple managers/supervisors that the issue was resolved, and then on the next statement, the charge continues to happen. My new statement ( XX/XX/2021 ) shows a charge of {$2.00} from XXXX ( XXXX of the month, mostly ) and I fully expect another in XXXX. I have now been told by Synchrony that I need to dispute these charges again and that new cards automatically renew recurring charges ( even though the last supervisor assured me this wouldn't happen ). I am at a loss of how to resolve this issue besides cancelling my credit card.

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 2023-04-18
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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation