hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Education, LLC dba Aidvantage

Complaint:
Across XXXX accounts, there are XXXX late payments on each account for a total of XXXX late payments being reported on my credit report which are incorrect. The first was reported in XXXX of XXXX and the last was reported in XXXX of XXXX. Since my loan repayment began back in early XXXX, Ive had my account set to automatic payments to avoid any confusion or missed payments. Yet, here I am. Suffering the consequences of reporting that I would call unjust and inaccurate. Despite my many efforts to get in contact with XXXX ( my original loan servicer ) for answers and to try and rectify these errors, I was never given any reason or even any communication in response to my many certified letters. My countless disputes with the credit reporting agencies concerning the incorrect information have continuously been overlooked and all communicative efforts abandoned on their end. I have asked many times via certified letters for the error to be rectified or the account removed completely. I am not sure what else I can do, as these errors have cost me tens of thousands over the years and continue to leave restrictions on my life and financial well-being. It has made it difficult to obtain various types of credit as well as favorable interest rates. And, while I do not think its an accurate portrayal of my credit worthiness or ability to pay my debts, I am unsure of what I can do to rectify this situation. I am here asking for help with removing these late payments so that I can resume my life without the burdens associated to their negative repercussions. If the late payments can not be rectified, I at the very least ask that the accounts be removed from my credit report entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS BEEN OVER 30 DAYS. I FILED 30 DAYS DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 explanation
Consumer complaint received 2022-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following accounts and inquiries from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP

Complaint:
I missed a payment to my USBank credit card account due XX/XX/XXXX. This was the first and only, missed payment for my three ( 3 )  USBank credit card accounts, for five ( 5 ) years, approximately. The bank verified that I have NO prior late payments during the full time of my credit account history, confirmed in my call to a Cardmember Services ' agent, XXXX, on XX/XX/XXXX. 

USBank notified me by letter dated XX/XX/XXXX that the account in question was past due. The letter cited " Because of your late payment history, we have reduced your credit limit to {$8000.00} '' from {$10000.00}. The letter further stated the action was " effective immediately ''. 

I confirmed my EXCELLENT -- -no late payments -- -history for the account in question and all other of my USBank credit card accounts. The bank representative, XXXX, researched and confirmed my payment history for all of my USBank credit accounts. 

I further spoke with a Cardmember Services ' supervisor, XXXX, on XX/XX/XXXX about US Banks ' lowering my credit limit based solely on one ( 1 ) late payment on record. XXXX, the supervisor, confirmed the following : The USBank letter to me, dated XX/XX/XXXX DOES NOT state any other reason for lowering my credit limit. He confirmed this -- -NO OTHER reason -- -is stated in the letter for lowering my credit limit, other than the state- ment for one ( 1 ) late  payment. XXXX reviewed the bank copy of this specific letter and admitted there was NO OTHER stated reason for immediately lowering my credit limit on the account in question from {$10000.00} to {$8000.00}. Further, XXXX stated specifically that USBank had, in fact, reviewed my credit bureau history, and would not verfify this IN WRITING to me. He stated this was the reason USBank lowered my credit limit -- - based on information NOT heretofore revealed or stated to me by USBank. 

I made my late payment for this account on XX/XX/XXXX in the amount of {$200.00}, verified as confirmation number XXXX XXXX XXXX. I have the USBank letter to me dated XX/XX/XXXX in my possession. 

I state, all of my preceding statements above are true and accurate to the best of my knowledge. USBanks ' actions on my credit account, in question, are based on incom- plete and unstated reasons for lowering my credit limit, denying USBanks ' actual action and not informing me, as well.

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 2017-09-08
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: EQUIFAX, INC.

Complaint:
As of XXXX XXXX XXXX I was notified, via news outlets and social media, that my personal information may have been compromised by a recent hacking of Equifax. Keep in mind, the compromising of this information has been known, by Equifax, since late XXXX XXXX. 

Seriously? 

Over a month to notify the public seems just a bit ... late? But, the best part. Equifax set up a website to check whether or not one 's information has been compromised. The only catch? You surrender all rights to bring legal action against the company ( Equifax ), if you want to know anything about your info being compromised. 

Great. 

So, obviously I surrender this privilege. I need to know XXXX. Remember this is pretty serious? What-a-ya know ... my information has been compromised. Awesome. Long story short, I still need to do ALL THE HEAVY LIFTING TO PROTECT MY INFORMATION. Filing fraud alerts, credit monitoring, credit freezing etc. Im beyond " happy '' to do this on my Friday.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: V and H Portfolio

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.

Complaint:
Good morning, Im filling this complaint because I believe I was treated wrong by Chrysler capital. I bought a XXXX XXXX XXXX, my credit score wasnt good at the time so my interest rate was very high. The only income I had was my XXXX from social security {$1500.00} a month my financial wasnt good at all. Chrysler capital approved my loan, I got the car with a payment of {$670.00} a month, everything was ok until six months later my wife got diagnosed with XXXX her medication price was high so we have to give up the car so we can afford her medicine, Chrysler took the car back and sold it in an auction and hit me with a balance of {$11000.00} that I can afford. This balance is reporting on my credit as a charge off account. This brought my credit score so low that I cant even rent a appointment for me and my family. I Dispute this so many times with Chrysler and told them my problems, my wife condition but they ignore me and keep reporting this account on my credit and destroying me and my family even more. Please help me and my family to get the this fix with Chrysler capital so they can remove this account from my credit report. By doing this we will be able to but a cheap car so we can go to appointment back and forth and get our financial together.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
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. 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 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 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.

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 2019-03-04
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: World Omni Financial Corp.

Complaint:
I was late on 2 car payments due to national disaster hurricane irrma and red tide reduced my business they submitted to credit bureau withiut stating due to natural disaster

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.

Complaint:
XXXX calls from General Revenue Corporation from various numbers for a different person. At least XXXX more calls from representatives from an unidentified debt collector organization. When I call back they all reference an individual with a similar name but different social. Each time I corrected them based on the last XXXX digits of my social being different. They apologize. Each time I inform them that I have had multiple repeat calls from them, my phone number should be removed, and their database needs to be corrected. The tell me " our system says this is the first call ''. XXXX representative became argumentative even though we had already established I was not the person he intended to reach. This is a broken system that is irritating responsible citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed : {$10000.00}

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 2023-06-17
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:
With one bureau it shows opened and another shows closed. In fact, it has different information in multiple locations. See attachment

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 2022-08-01
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
i set up payment plans these past 2 months with multiple accounts to avoid delinquency 's on my credit report and they have still managed to add delinquencies on my credit report which are hurting my credit also multiple inquiries that i have not approbed of are on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29
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 several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; 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 non-monetary relief
Consumer complaint received 2021-06-15
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:
15 USC 1666b ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by Section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
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:
I have had a Bluebird by American Express debit card for a few years ( I primarily use it to make purchases online as to not display my checking account information or major credit cards online ). Every month my card has been restricted advising that I am making too many transactions. I recently requested a new card and was told by the activation representative that my personal information was incorrect and I should call back once I had the correct information to provide. She then terminated the call on me. I called back and requested to speak to a supervisor for further assistance as my information has not changed. I was advised by the agent that he would assist me rather than getting me to a supervisor but after 20 minutes on hold he then advised that he would need to transfer my call to a supervisor ( which I requested at the start of my second phone call ). I am currently still holding for a supervisor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have disputed with Transunion and was told XX/XX/2023, that the said debt with XXXX would be deleted from my credit file XX/XX/2023 it has been removed from XXXX and XXXX but is still fraudulently reporting on Transunion which they are in violation of doing so

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 2020-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC.

Complaint:
On XX/XX/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2018-02-27
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
Company issued a CC without any valid form of payment ( online logins, instructions, or call-backs over promised ). On day of attainment, I got approved but was not instructed or contacted to actually activate payment method, or online login ( little did I know ). I asked the lady as I got approved, and she mentioned I would be contacted by them for further instructions ( XXXX branch )!!! I have always paid on time, and its the only ding I have on my credit. 

I used to have a 700+ and it's dropped significantly now ; my only intention on ATTAINING this card was to build credit! I have been up-to-date and will continue to do so, but this was after ME going into the store next to my apartment to ask for valid form of payment, furthermore the RECEIVING of my actual card. I am a XXXX yr old XXXX, and my credit is very important to my business in and out of the office. 

The lack of communication, execution, and customer service is the result of this claim, nothing less or more. I use my SAKS card once in a while, but always make sure it is paid off now that I know what to use as login/have attained card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY

Complaint:
Two checking accounts were opened in 2014 at Wells Fargo bank that I did not open they are fraudulent

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 2022-01-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.

Complaint:
I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.

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