hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2019-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I would like my address and my social number on file.

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 2021-06-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collections Acquisition Company, Inc.

Complaint:
ON XX/XX/2021 I CONTACTED PAYLIANCE THAT HAS REPORTED 2 FRAUDULENT ACCOUNTS ON MY CREDIT REPORT AS COLLECTIONS WHICH ARE NOT MINE. I HAVE DISPUTED WITH XXXX BUT THEY HAVE YET TO REMOVE FROM MY CREDIT REPORT. I HAVE SENT PAYLIANCE A LETTER AND MY IDENTITY THEFT REPORT OVER 2 MONTHS AGO AND I HAVE YET TO HEAR FROM THEM. THESE FRAUDULENT COLLECTION ACCOUNTS HAVE CAUSED ME SO MUCH GRIEF AND HAVE HINDERED ME FROM OBTAINING CREDIT. THESE FRAUDULENT ACCOUNTS NEED TO BE REMOVED. 
I LOOKED UP THIS COMPANY PAYLIANCE AND THEY HAVE SEVERAL COMPLAINTS WITH THE XXXX FOR ADDING THESE FRAUDULENT ACCOUNTS ON CONSUMERS CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.

Complaint:
CONVERGENT OUTSOURCING Original creditor : XXXX Is reporting an account that is not mine. I have reached out and disputed this fraudulent account. XXXX  removed this account, however XXXX has said its " verified. '' I then reached out to Convergent Outsourcing requesting all documentation they have on this fraudulent account so I can conduct my own investigation on who may have opened this account, when, and where. No information has been provided. If this account does exist, its a result of someone using my personal information, without my consent, and needs to be removed from my credit file 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 2018-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.

Complaint:
I have been an excellent Chase Bank customer for over 5 years. I have used my premium credit card account and spent over $ 25K yearly. Over the past week I have been traveling outside of the US and have contacted Chase to request them my card activation outside of the US. I have been able to use it a couple of time and today - XX/XX/2018 my card has been declined. I have contacted Chase and been informed that all my accounts - 5 credit card accounts all with a total credit limit of over $ 60k - have been closed for no reason. I have requested an escalation and been informed that a supervisor is not able to receive my call. After contacting Chase multiple times and insisted on being provided some information about their decision, I have been left without a credit account to use.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-11
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: WINN LAW GROUP, APC

Complaint:
I was given a Payroll Memorandum from my employer stating they will be garnishing my wages. I was totally blown away had to clue what this was for? I looked at the address from the paper work it 's my sister address. I called the number listed they stated it was served to that address which i never lived there. I use my sister 's address to get packages shipped. The collector states he was awarded to garnish my wage due to me not showing up to court on a debt that was charged off from the cc company in 2012. I filed a dispute with that collector company and they stated you can file but? we are still going to garnish XXXX % from your employer. The paper work says XXXX Sheriff Levy and then says filed in XXXX, Ca. I do n't see how companies can do such a thing? Seems like total fraud a credit card company has charged off on the debt 2012 ... how can they harass and individual and then embarrass me at a new employer? I ca n't sleep and have been XXXX over this. I am barely getting on my feet financially. Please let me know what I can do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
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 XXXX Account # 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 instruction. 

The accounts that have violated my rights, will not share the information with me such as where the account came from, or account numbers are as follows. 

XXXX XXXX XXXX. they have harassed me and don't even show that that they were charging my card payments. 

XXXX XXXX, I made no written agreements to add this to my credit reports. 

XX/XX/XXXX I made no written agreements to add this to my credit reports. 

XX/XX/XXXX, I made no written agreements to add this to my credit reports. 

XXXX XXXX XXXX, I made no written agreements to add this to my credit reports. 

XXXX XXXX XX/XX/XXXX, I made no written agreements to add this to my credit reports. 

XXXX XXXX XXXX, I made no written agreements to add this to 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 non-monetary relief
Consumer complaint received 2018-07-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.

Complaint:
1. We received our first piece of mail from Navient datedXX/XX/2018 stating that our first payment would be due XX/XX/2018 in the amount of {$590.00} 2. We received another piece of mail from Navient dated XX/XX/2018 stating that they are our new loan service provider. Note that both letters say, " Keep an eye out for your first Navient billing statement '' - clearly implying that this was not a billing statement, and that billing had not yet commenced.

3. We received a second piece of mail from Navient dated XX/XX/2018 stating that our first payment would be due XX/XX/2018 in the amount of XXXX 4. We received a letter in our post office box AFTER XX/XX/2018 from Navient, dated XX/XX/2018 stating that we are 135 days past due and that we owe {$3600.00} 5. Tried calling Navient on XX/XX/2018 no one answered, no way to leave a message 6. Sent a summary of the above as a message to Navient on their website on XX/XX/2018 7. Received electronic message from Navient via our account on their website dated XX/XX/2018 addressed to XXXX, stating that if we pay {$68.00} within 10 days, the account will be paid in full 8. Sent check for {$68.00} to Navient via certified mail on XX/XX/2018 9. Payment of {$68.00} processed by Navient and posted to our account on XX/XX/2018 10. Sent a message to Navient on their website on XX/XX/2018 explaining that we paid our account in full per letter of XX/XX/2018 ; requested confirmation and that no negative credit be reported

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
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:
cHECKED MY CREDIT REPORT AND NOTICED THAT THE ACCOUNTS IN MY CREDIT REPORT ARE NOT MINE REACHED OUT TO THE AGENCIES WITH NO HELP AND ITEMS STILL THERE

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 2020-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK

Complaint:
In XXXX of XXXX I fell and XXXX XXXX. I was a XXXX contract employee and could not get XXXX. I had a hard time working and even needed XXXX. I unfortunately fell on hard fiscal times and missed several payments on multiple credit cards. 
I spoke with Discover in XX/XX/XXXX. I had missed several payments and was over my {$5000.00} limit. 
I was given 2 options as to what I could do about my missed payments. Option 1 was close my account and enter in to a low interest payment program for the term of the repayment. The 2nd option was I go in to a repayment program and after 12 months, I was told I would get my card back. I even asked if I make all my payments for 12 months would I get my card back and was told I would. 
In XX/XX/XXXX after making every single payment on time I wasn't given my card back. I called Discover and was told that they would have to do a review to get my card back. I wasnt told this in XXXX of XXXX. I was also taken out of the repayment program and my interest fees were doubled as was my minimum monthly payment. ( From {$75.00} to {$150.00} ). Even with this hardship of double the amount of my payments I still made my payments every month. This added {$75.00} additional payment lead to many hardships for me. There were months were I couldnt even buy food. I still held up my end of the deal and made every payment. 


In XXXX of XXXX I began to try to repay all of my debt. By XXXX of XXXX I paid down most of my debt, including Discover. 
On XX/XX/XXXX I received an email that my discover card was being closed. Even though I did all they had asked of me. If I wasn't lied to in XXXX I would have taken the option to close my card then and taken the other program with lower interest for the entire program. 
Discover 's dishonest tactics ended up causing significant hardships as well as over {$1000.00} in additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
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:
I have been disputing since XX/XX/XXXX with the bureaus some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the XXXX timeframe that they are supposed to respond in. On XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2021-06-15
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 submitted a complaint for Identity fraud to Experian, and as per Experian 's request here is my authorization. I XXXX XXXX XXXX born XX/XX/1981 ss XXXX Give Experian authorization to proceed with whatever they need to rectify my credit report. I am not a third party, I am one party, a person. thank 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 explanation
Consumer complaint received 2023-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.

Complaint:
No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
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: Experian Information Solutions Inc.

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below have 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 Have 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.

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 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 2019-12-04
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 have never opened any account and inquiries which I listed in identity Theft. Please remove all negative information which do not belong to me.

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts.

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

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 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. 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 non-monetary relief
Consumer complaint received 2018-06-15
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC

Complaint:
Beginning of XX/XX/XXXX, I am receiving calls from XXXX, XXXX, XXXX numbers along with numerous other numbers. By XX/XX/XXXX, a call is placed to my spouse phone claiming they are FAM and that I gave them his reference number. They do not specify who they are or anything of that nature. By XX/XX/XXXX, I call them back around XXXX PST and I am speaking to an unprofessional, rude, and ignorant agent of FAMS. He goes off telling me he is representing XXXX and they want to settle for a certain amount, asked if I had it, and went off asking how I make my living. There was no discussion that they sent a notification or anything. Or that I am able to go online with account number to check out any notification from them. Then, I am asked for my banking information and told they will be deducting {$250.00} for 4 months and the interest will stop. From all of this, I am not sure who these people are because I never received any written information and will not be giving any information over the phone. After that conversation, I asked if I can start in XX/XX/XXXX. The rude boy gets upset and say well I just have to. Let XXXX know you are not able to do it. The approach was very rude and in a attacking matter where no options were given. After the conversation with this rude individual, I receive 3 more calls with the numbers listed above. I need to see written information and options for me to believe this is what is going on. Being rude and ignorant will not help these people get a reaction or settlement from anyone. To make it worse, there was no notification what so ever. This can be a company out of a basement collecting from individuals. Nothing else was explained. The harassment continues with them on the daily with 4 or 5 calls a day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
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 LITERALLY EXHAUSTED FROM DEALING WITH THESE TWO COMPANIES. I have complained and disputed and yet they continue to add false addresses and false social security numbers to my credit report. I wish they would just let my credit report be!

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 2023-01-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION

Complaint:
Consumer complaint : Credit acceptance has acquired full rights title interest on a vehicle that I've purchased. They're operating fraudulently and they know it. 
Facts : On or about XX/XX/XXXX I purchased a vehicle from credit acceptance. I've entered into this contract without full disclosure. Credit acceptance knowing and willingly took advantage of me and my consumer credit. I was given false and deceptive information. I was told that a downpayment of { {$1600.00} } was needed in order for me to drive off the lot. Credit acceptance, failed to clearly and conspicuously disclose to me that a Finance charge, WAS the SUM OF ALL CHARGES, and never informed me of my RIGHT to include my insurance into the finance charge. I was never given notices that comes along with consumer credit transactions. I was never informed of my right to rescind either, full disclosure of my right to rescind. 2 ). Transparency regarding the process of the consumer credit transaction/application being the financial asset. 12 CFR 360.6 ( 2 ) as well as self liquidating paper, 17 CFR260.11b, False and deceptive information 15 USC 1692e and 15 USC 1605 and 15 USC 1635 ( a ) and 15 USC 1611 ( 1 ) ( 3 ). Due to the facts of said violations affiant rescinds the contract with Credit acceptance, which was sent via certified mail with return receipt. Credit acceptance is knowingly damaging my reputation thus, has caused me extreme emotional distress and placed me in a state of poverty, fear, and uncertainty of the financing system. I have wanted to buy a home but I am unable due to the negligence of Credit Acceptance and their reporting 's on my consumer report, which I have never given written consent for them to do so. 

Credit Acceptance has been deceptive in their dealings. Under Law they are required to report any and all indebtedness exceeding {$600.00} and issue a 1099C. On or about 12/11/2022, I contacted the IRS to ensure my 1099C was issued. No such form existed for me. Under U.S Code 26 CFR 1.6050P-1 ( i ) and the reference guide used that describes the detail of the 1099c : A. ( Bankruptcy ) B. ( Other Judicial Debt Relief ) C. ( Statute of Limitation or Expiration of Deficiency ) D. ( Foreclosure Election ) E. ( Debt Relief From Probate or Similar Proceeding ) F. ( By Agreement ) G. ( Decision or Policy to discontinue Collection ) triggered the issuance of a 1099C.

Credit acceptance has violated the TILA act and taken advantage of me is an understatement. They have caused great harm and grief to me and taken advantage of the law. Credit Acceptance has also failed to provide the original contract in its entirety.

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