hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-09-23
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX XXXX  XXXX Date XXXX Balance : $ XXXX Late Date XX/XX/20

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
This is my complain for you to notify some information on my file that are seems to be erroneous. It is a requirement by law 605b of the FCRA to remove some inaccurate items that are fraudulent. Im sending this letter certified mail to help establish a legal recourse. If you choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. These are the following inaccurate items : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX Bankruptcy XXXX XXXX ; XXXX XXXX  XXXX Balance : {$0.00}. XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00}.

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 2022-07-08
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 Report Act XXXX account XXXX XXXX has violated my rights.

15 U.S.C 1681 Section 602 B states i have the right to privacy.

15U.S.C 1681 Section 604 A section 2. I also state a consumer reporting agency can not furnish your 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 2022-12-06
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2022-09-30
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 2022-08-25
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2021-09-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.

Complaint:
My husband and I opened an account for my daughter, XXXX in CA on XX/XX/XXXX. She attends school in NY and is renting an apartment with international students. This accounts sole purpose is for the rent. 

XXXX activated her Chase Debt Card on XX/XX/XXXX. By XX/XX/XXXX, there were several fraudulent transactions. XXXX called to cancel debt card was advised there were a couple {$1.00} transactions which were denied but 3 others that were approved totaling XXXX by XXXX. Agent advise would see a credit in a couple days. The fact that there were several {$1.00} attempts they could it had been hacked. 

After 2 weeks, I contacted XXXX XXXX, claims dept supervisor. She advise that claim was denied because looked suspicious. I also agreed that it looked suspicious only the bank knew the card was activated. Card had not been used anywhere. She advised I had to provide proof we didn't use XXXX. XXXX only has an automated system and their online instructions say to contact bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.

Complaint:
To whom it may concern, I'm always very on top of making payments on time..

I have a auto lease with Gm Financial and my account was set up on auto pay ( conformation attached ) to make payments. The lease experience with GM ran smoothly until I got a email one day ( attached ) that my payment is past due. I was surprised as I knew that the payment was on auto pay and my bank account always had the funds available. After calling GM I was notified that my account was removed from auto pay by GM as it was past 30 months so GM resets the Auto pay setting. The problem is that I was never notified that my accounts auto pay will be disabled. If I would have been notified I would have been more on top of making the payment. The only notification I got from GM was only after my account was already passed due. I immediately made the payment once I was notified ( conformation attached ).

GM reported the late payment on my credit report which is severely damaging my credit score.

When I discussed it with a GM rep they did confirm that no notification was sent to me about this change they where not sure why. They said they will look into if they can remove the late mark from my credit report. But i Never heard back from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX  ; XXXX  and Transunion should not be reporting a chargeoff in the amount of {$970.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was XXXX and on XXXX XXXX. My wife had power of attorney and she called XXXX to make payment arrangements on this account however, the representative she spoke with told her that she did not have any authority to discuss any matters regarding this account on my behalf because she was not listed on the account. This is completely false. Power of Attorney gives her the legal right to negotiate on my behalf regarding financial matters while I was XXXX. We used the entitlements listed in The Servicemembers Civil Relief Act ( SCRA ). The SCRA clearly states if any of the benefits under the SCRA are used : The delay of payments wont reflect on a credit report. This false reporting of a chargeoff is seriously harming my credit score. Consequently, this account needs to report a {$0.00} balance and/or be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2019-11-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.

Complaint:
On XX/XX/XXXX CMRE Financial Services contacted me by letter about a medical bill. I wrote back that it was disputed because the amount was seriously in error, due to a long series of mistakes by the health insurance company. I wrote CMRE five times between XX/XX/XXXX and XXXX, giving each time the best information from the health insurance company, each time offering to negotiate a settlement based upon the best current information, but they have not answered any of those letters. 

My letter of XXXX gave an amount owed which seems to have corrected the large errors that had persisted, so that the account could finally be settled, and I informed CMRE that if they would send a letter stating that if the indicated amount was paid immediately, and they agree to delete any information they may have posted with the credit bureaus, I will immediately send payment.

I have gone to great lengths to get the correct amount resolved, including a grievance with the health insurance company and a complaint to the California State Department of Insurance, however CMRE has not responded.

In my letter to CMRE on XX/XX/XXXX, I said if they will send me the requested acknowledgment letter to close out the account the matter will be resolved, but they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
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:
i am a natural person, i am a living human being, i have rights under 15 USC 1681. Transunion is govern by 15 USC 1681 and they violated my rights numerous times. i demand the accounts listed below be remove because According to 15 USC 1681 : i have the to privacy and i did not give transunion written permission to furnished these accounts TRANSUNION ILLEGAL AND ADVERSE REPORTING ( 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. I attach my credit report of transunion adverse reporting with multiple names, addresses, hone numbers and employer. 

According to 15 USC 1681 : i have right to privacy and i did not give transunion written permission to furnish these 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 non-monetary relief
Consumer complaint received 2021-08-02
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: WELLS FARGO & COMPANY

Complaint:
I received a letter dated XX/XX/2021 from Wells Fargo Bank, N.A. XXXX XXXX XXXX, XXXX XXXX, SD XXXX the subject of which was : Decision about your recent application for a deposit account I MADE NO APPLICATION FOR A WELLS FARGO DEPOSIT ACCOUNT Wells Fargo said they were unable to open a deposit account because of information from the following reporting agency : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX I made no application to Wells Fargo and have never heard of this reporting agency before. I visited the reporting agency website but did not initiate contact. 

I hope Wells Fargo is not opening up accounts on their own again and I hope this reporting agency is not using this to gain access to personal information.

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 2015-05-28
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: BG Lenders Service LLC

Complaint:
A man from BG lenders has contacted people oin my family related to a car loan that I 'm working to catch up on. He never leaves a name on a the card but shows up & calls many people in my distant family making threats against, slandering my character, ect. He goes by the name of XXXX ... Plz help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
Portfolio Recovery submits and falsifies information regarding an out dated account each year. When challenged they will remove the account, wait about 6 months and renter the information as though it is a new account. 

They are pretending to be XXXX XXXX  a company who finance my XXXX car in XXXX. My car note was {$460.00} a month. 
My car has been paid in full for several years. 

The information for this account has been changed several times. It started with a purchase from XXXX which was sold to XXXX XXXX., who sold it to portfolio recovery when it was about to expire. Portfolio recovery falsified the date. Each time I dispute it, they remove it and return it as a new account with falsified dates. 
I received a line of credit from XXXX XXXX  in XXXX. I never used the card. They are using this information to make the charge look valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: GOLDEN 1 CREDIT UNION, THE

Complaint:
On XXXX XXXX I made consumer transaction to purchase a new car and was required to put a cash down payment which my consumer rights were violated. The contract did not disclose clear and conspicuously my rights as a consumer when entering the contract. Due to these violations I demand to rescind my rights.

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 2022-12-19
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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXXXXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX , FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation