hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-02-24
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: National Credit Systems,Inc.

Complaint:
15 US Code 1681e states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. I am not satisfied with my previous dispute because I have reason to believe that this company did not follow reasonable procedures when investigating the items that I disputed on my credit report, I believe that the company 's investigation was done by an automated eOscar system which is why the investigation yielded inaccurate and false information 15 US Code 1681i ( Section 5 paragraph A ) states that Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPTLY DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. From my understanding this company could be held liable for willful noncompliance under 15 US Code 1681n especially due to the statutory and actual damages i've suffered.

The furnisher of the information is also liable under the FCRA under 15 USC 1681s-b ( 2 ) because they were notified of inaccurate and incomplete information on my report, and a proper reinvestigation was not done because the information is still inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
i submitted a complaint to all three credit bureaus more than 30 days ago. the only company to respond back was XXXX. Transunion and XXXX failed to respond in the 30 days that they have as per FCRA guidelines. Since they have failed to follow protocol, which you, the CFPB is to enforce these guidelines, the proper actions should be taken against them

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 2017-07-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Credit Adjusters, Inc.

Complaint:
I have reached out to this debt collector twice now to find out what in the world these items are on my credit report. They are reporting that i have something in collection with them and are not responding to my requests to verify. I first sent my request to verification through the credit bureaus, and then the letter attached most recently. I have given them MORE than 30 days to respond, and I am done asking. I need you to investigate this. I have no idea what it is, what its for, or what else to do to find a resolution. This needs to be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I joined Capital One credit card program back in XX/XX/2019 with their 'Platinum ' card. After receiving numerous emails and physical mail saying I was preapproved for a 'Quicksilver ' credit card which offered a {$150.00} reward for spending {$500.00} in the first 3 months. Because I was preapproved, and knew I would reach the spending threshold due to the holidays, I signed up for the Quicksilver card through their website. This was creating a NEW card account, not transferring, so I do not see why I would not be eligible for the bonus. However, after time passed and I did not receive my reward I decide to try and call Capital One. They claimed I was ineligible for the offer, because I was an existing capital one member. This seems extremely misleading as I was on their email/mail distribution list BECAUSE I was an existing member and those offer all claimed I would receive the {$150.00} bonus. But now I am ineligible so I will not receive my reward and the trouble I went through to open a new card was fruitless. I would just like to be acknowledged that I met their spending requirements for the reward, so why should I be denied because I was an existing card holder - one that they specifically sent misleading offers to?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-07
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 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 2023-07-13
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 investigated my credit report, I realized that the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$19000.00}

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 2016-06-18
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
I want to negotiate the credit card debt, but all I get is robo calls, I wish this debt collector would mail me so something so I can start paying the debt down, like other collectors are done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
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: EQUIFAX, INC.

Complaint:
by the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXXXXXX XXXX  XXXX account # XXXX XXXX  Account # XXXX XXXX  account # XXXX XXXX XXXX  account # XXXX XXXX  - XXXX XXXX  account XXXX XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602. A state 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 ) the Section States no consumer reporting agency may make any consumer report containing any of the following items of information or any other 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 data is inaccurate. I reported this about a month ago and still, they didn't remove it as I authorized please remove these accounts asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis

Complaint:
Well I looked at my credit last month and an charge was on it for an apartment I've never been to was on it XXXX XXXX is the name I called the credit company that has the account and told them the name is columbia debt recovery/genesis and I don't see how they didn't see its not me the name of the person 's are different from mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Genesis FS Card Services, Inc.

Complaint:
I've had a milestone credit card which I've paid in full. I have reached out to milestone on numerous occassions in regards to the inaccuracies of this account. From which they informed me that it would be taken care of and I should see it updated on my credit report the next time they submit it to the credit reporting agencies and this was in XXXX and still nothing has changed. I have been denied credit due to this harm, because they didnt do what they promised to do. I have the updated bill stating my balance is XXXX. I'm beginning to lose faith in the banking system completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.

Complaint:
I went to a XXXX timeshare meeting that was supposed to last two hours but I was there for XXXX XXXX. My fianc and I were very adamant about not wanting a credit card and not wanting to purchase a timeshare due the cost but everyone there was so persistent. We refused to give our social at first and questioned why it was needed and we were told that it was to get the best deal. After turning the sales rep down, we were pushed off to another person to try and get us to buy and again we expressed that it was not in our budget and we did not want to apply for anything. We left that meeting thinking that we declined everything. I later received a letter that a credit card was opened in my name with a card limit of {$4200.00}. A physical card was never sent. It dropped my credit XXXX points for opening an account that I never requested to be open in the firs place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09
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 a XXXX  account reporting on my TransUnion and XXXX   consumer reports that is not mine. I was not liable on this account and was only an authorized user. I've sent multiple letters to dispute this item directly with XXXX, TransUnion, and XXXX  and they have failed to remove it from my credit reports.

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 2023-03-30
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ; XXXX XXXXXXXX XXXX  : {$0.00} ; XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  : {$0.00} ; XXXX XXXXXXXX XXXX : {$110.00} ; XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} ; XXXX  XXXX XXXX : {$400.00} ; XXXX XXXX  XXXX XXXX  : {$450.00} ; XXXX XXXX XXXX XXXX XXXX  : {$720.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$360.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX : {$530.00} ; XXXX XXXX XXXX  : {$71.00} ; XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/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 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 2019-03-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Genesis Credit Management, LLC

Complaint:
they keep calling and identify themselves as genisis credit and their a debt collector, but they never say what its regarding and who the creditor is, i never received a written noticed from them in the mail. please investigate them and end this abuse

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.

Complaint:
A second creditor ( Franklin Collection a service ) is trying to collect a debt from XXXX disputed this account over a year ago and was removed from previous collection agency. This account does not belong to me, after investigation, it was determined this service was at an address I had never lived.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
Reporting wrong balance amount steady increasing balance after years of charge off keeps reporting open and closing of account to purposely damage my score as a form of harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Unisa, Inc

Complaint:
My loans were recently moved from XXXX to UNISA ( unisainc.com ). I was never notified of this change, I simply logged into my XXXX account one day and all information about my loan was gone. After contacting XXXX, they told me the loan was transferred to UNISA. 

After searching and failing to find what appeared to be a legitimate website for UNISA, I ended up getting a number from XXXX and called UNISA. The person answering the phone call was very unprofessional and said I must have been in the " recent '' loan moves, that 's why I did n't receive any notification ( the loan was apparently transferred over a month ago ). I was able to get an account number for the loan from the representative, which allowed me to create an account on the suspicious looking website https : //www.unisainc.comXXXX The website appears to be made in WordPress ( known for it 's many security vulnerabilities ) and did not provide the typical prompts one would expect from a legitimate loan servicer. Once registered I was able to review my loan balances and schedule a payment by entering my bank information. 

This was several days ago, I never received an email confirmation of my payment and after waiting and not seeing any change in my bank account, I attempted to log back into my account to view scheduled payments. 

After entering my credentials on the https : //www.unisainc.comXXXX XXXX, I  received an error message " Error. An error occurred while processing your request. '' with no option for a redirection. I attempted this several times with the same result. I also attempted a login with a known incorrect password and was unable to login, so I know that is not the issue. 

I am unable to view my account information now and the unprofessional design of the website and attitude of the representatives makes me concerned with the safety of my personal and financial information with this company. I also have no indications that they allowing me to make payments. 

A quick XXXX search of the company reveals numerous complaints and the lowest possible review star rating on XXXX for the company, showing I am not the only customer with these issues. I feel this should be investigated, especially for the many graduates like myself that had no choice or option who their loans and personal information would be transferred to and now have no control.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint:
My student loans are affecting my Credit score on two credit reporting websites including Equifax and XXXX. On XXXX XXXX I was pre approved for a credit card by XXXX XXXXXXXX and denied due to my scores reflecting my school student loans that should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.

Complaint:
Due to a change in escrow, the monthly mortgage payment changed by {$10.00}. My bank wired the old payment amount, which was {$10.00} less than the new amount. The mortgage company ( XXXXXXXX XXXX  ) held the funds unapplied and failed to properly contact me to advise about the unapplied funds and " missing '' monthly payment. By the time I found out about this issue, they reported my account 30-days late to the credit bureaus. This is not a " late '' payment but a misapplied payment. Also, they should have let me know about this misapplied payment prior to the 30 days. I've tried to explain the situation to their customer service and credit reporting departments and they've ignored my requests to correct this reporting.

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 2022-10-09
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:
There are fraudulent accounts being reported. I submitted to the bureau a police report, theft affidavit, and identification documents. They have yet to remove all of the fraudulent accounts per FCRA 605b Block.

FCRA 605B ( 15 U.S.C. 1681c-2 ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information. in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than They are still reporting 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 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
The accounts listed below are appearing on my credit report. Ive put in Several Disputes regarding these accounts. I ask that these accounts are removed from my credit report immediately. Ive filed a FTC report which has been ignored by you. I sent a handwritten letter on XX/XX/XXXX. My attorney advised me what to do moving forward. I will take further action if they are not removed immediately. 

below are the accounts XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX {$3000.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$13000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  {$0.00} XX/XX/XXXX XXXX {$880.00} XX/XX/XXXX XXXX/XXXX  {$830.00} XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX {$14000.00} XXXX XXXX {$3000.00} XX/XX/XXXX 2016

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