hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-12-08
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
XXXX is reporting old information in which according to FCRA are old accounts and they can be removed from my credit file. I requested via fax again for the removal of the old creditors and the old account haven't been removed. This is the account in which I am asking to be removed from my credit XXXX XXXX XXXX XXXXXXXX Date Opened : XXXX XXXX, 2018 Balance : $ XXXX I am no longer liable for this account. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

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 2022-12-16
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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Someone used my information to obtain a XXXX account, open a line of credit for XXXX XXXX XXXX, and preferred lease. 

i have requested this be removed on several occasions.

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 2022-12-21
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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 response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS

Complaint:
I contacted Lexis Nexis about some incorrect information several months ago. They were not helpful. Nothing has changed with the credit reporting agencies.

They have me confused with my mother in law who used to live at my current address.

Now all the credit reporting agencies use HER information in their systems to check my identity when I try to log in. She is in her late XXXX  's and I need to have this cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Credit Service, Inc.

Complaint:
XXXX XXXX from XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX, IL XXXX, has contacted me by phone and informed me of a debt that she is trying to collect. 
She told me that the debt was from a XXXX credit card and the unpaid balance was XXXX dollars plus interest of XXXX dollars and that I should pay this immediately or she would turn it over to the attorney. I requested that XXXX send me information about the debt proving that it is mine. XXXX stated that a letter had already been sent. 
I have not received any mail from ARA Inc. I did, today send a registered letter requesting information about the debt in question and I dispute ownership of this debt. I believe the threat of legal action and the attempt to collect XXXX XXXX in interest are both illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
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: Frontline Asset Strategies, LLC

Complaint:
The address on their file does not belong to me. This is NOT my account. This is fraud! I am tired of reporting this. XXXX knows this is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
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:
I wrote each bureau regarding accounts that are currently reporting to my credit that are a result of identity theft and are not mine. In my request I asked them to remove these items due to them being a result of identity theft, and they have not done so and they have not responded. 

TransUnion are reporting the following fraudulent accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  and XXXX  are reporting the following fraudulent accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX I then asked them to provide proof that these were my accounts due to them not having removed them and they did not respond. Both failed responses exceeded the 60 day standard timeframe it takes for them to respond.

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 2022-06-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC

Complaint:
Im a XXXX veteran  and receive all of my medical care through the VA. But I had an emergency room visit, which the VA is suppose to cover. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.

Complaint:
My concerns are that the credit card company did not acknowledge hardship and continued to add late fees and added interest that was not at the reduced APR as agreed. 
I contacted Comenity bank in XX/XX/XXXX and explained that I needed payment assistance and request to be placed in hardship program. I spoke to a rep from overseas and the payment arrangement was set for 12 months and I began the program ( so I thought ) In XXXX, I began to receive phone calls from Comenity bank stating that I was past due and I notice that the charges they placed on my account for late fees and ridiculous amounts of interest. Under the hardship program, there was a reduced ARP of 10-11 %. This was not it. I called on XX/XX/XXXX and was told that the last rep I spoke to did not enroll me into the hardship program, and did not offer to fix the issue. They simply said they can enroll me at that time. But I asked several times how and explained that I obviously did because I have payments scheduled for the reduced amount for the next year at the reduced rate. The rep did not have any solutions and did not offer to reverse previous charges that should not been on the account. I requested to speak to a US representative and was placed on a long hold to wait. Once a US representative was on the line, she did not see the XXXX conversation either and stated that after a few billing cycles the late fees should be reversed but now my credit score has lowered tremendously behind this and due to the high interest they werent supposed to charge me and late fees, Im nearly at the max and I dont know how to fix this. Its hard getting through with the telephone number thats on the card and on the website. Then, the company decides to lower the limit on my NYC credit card from XXXX to XXXX further damaging my credit score and left me with a remaining credit limit of XXXX. I paid that account on time and didnt have any issues with that account so Im frustrated with this company and their unfair practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-20
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:
Please see the attached FTC Report and remove the unauthorized inquiries from my credit report within 7 days of receiving this complaint.

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 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
This company XXXX is incorrectly reporting my account first 60/90 days late when the balance was paid off in full. They are ruining my credit rating with this nonsense account and being dishonest with their reporting. I am not past due nor have I ever been late 60/90 days. They need to remove this dishonest reporting ASAP it is affecting my mortgage loan approval. I will never ever use this company again for their deceptive practices. Please have them to remove this inaccurate information promptly.

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 2019-10-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Halsted Financial Services, LLC.

Complaint:
I received a letter from Halsted Financial Services LLC stating that I owe this company XXXX, Please be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section of the Fair Debt Collection Practices Act, Compliance with this request is required under the laws of state and federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION

Complaint:
I have been past due on my Auto Loan account. I have been making multiple payments a month in attempt to catch up on the debt caused by a XXXX XXXX 

The company has used abusive behaviors, language. 

The company calls me regularly about seven to twenty times a day my phone records can confirm this. 

The company has threatened repossession, damage to my credit, and threatened me with legal action they refuse to take. 

I have requested all the account information in regards to my account to include the contract so I can review it, and requested assistance and they have refused and refused to allow me to speak to management to resolve the matter. 

This is causing emotional and mental distress in my life due to their aggressive collection activities and behaviors.

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 2021-04-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc

Complaint:
XX/XX/21 - my chime bank account was fraudulently charged more that {$500.00} in charges at an XXXX in XXXX. I called bank right away and informed them the charges we not mine and they automatically deactivated the debit card and issued a new one stating that they could not dispute the charges until they had actually posted onto my account instead of just in the pending status. They assured me that they would do everything they could to help me and I transferred out what little bit of money I had from my spending account into my chime credit builder account which was {$380.00}. I changed my passwords and everything I could to try to protect my account once more. 
XX/XX/21 - I receive a email from Chime saying that they have closed all of my accounts and no reason why besides they didnt like the activity that was on my account. I tried calling the one 800 service number and the service number said since my account was closed I had to email chain support. Email try support and Chime support said I need to call the one 800 number. I emailed back and said I couldnt call the number because I couldnt past the your account is closed please email XXXX I tried hitting all kinds of other prompts but I still got the same response. I emailed the child support back back-and-forth for five times asking them to please call me I wanted to know where my money was why my account was closed and what was going on with the fraudulent charges I need to be reimbursed for those those were not my doing. 
The very last email I got stated Thanks for reaching out to Chime Member Services. XXXX here again, I apologize for the inconvenience of this situation. Unfortunately, for security reasons, Chime is unable to disclose further information about the closure of your account. 

Please let me know if I can assist you with anything else. 

Thanks, Chime Member Services And I can not get a response since then so not only did chime close my accounts they also have all of my money and wont communicate with me about it at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.

Complaint:
There is an account showing on my XXXX  from LVNV Funding that I don't believe is mine. I would like this company to send me a copy of the agreement or contract I supposedly signed. I believe this was something an old roommate may have signed for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Best Service Co.,Inc

Complaint:
XXXX isn’t removing this debt that has been paid off on my credit report, they are stating that this debt is accurate and true even after disputing this and uploading documents that show/prove that I paid this debt off. I submitted a dispute XX/XX/19, they resolved it XX/XX/19 and said that they didn’t delete this because I still this debt to a company.

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 2022-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.

Complaint:
I have been an active responsible member of money lion since XX/XX/2019. Since then I have paid off 4 successful personal loans one of them being the personal loan they have marked as payment status derogatory and charged off as ifI never paid the loan but I did and have evidence I will be attaching on here. 

Since then they have approved me for several personal loans that I have made right, made payments on time and paid back all of my loans. I have repeatedly reached out for them to make this inaccurate report right because it's affecting my credit score when it should be helping me. 

Not only that but it's also making harder to get approved for other loans and higher interest rate that would help me further my life because I have shown through my payments and my continuous loans they have given me that I can be trusted, I am responsible however this inaccurate report does say that and its affecting my self esteem in feeling like I can help my family being a co-signer on auto loans that would help them out but this stopping me from even helping my family and that really hurts me emotionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
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:
Over the course of the last XXXX years I have notified repeatedly with the proper notification paperwork from Court showing that several tax lien on my Equifax report were filed incorrectly and that they were cancelled by the court Equifax repeatedly sends back saying they have verified this which is untrue because I have documentation showing this was cancelled by the court 2 years ago Equifax says they use an outside source but this is also untrue for had they look into the matter through any source they would have been told the tax lien does not exist being that it was reported on me in XXXX XXXX and promptly removed XXXX XXXX so how could they have possibly verified something that does not exist I have sent in numerous times to Equifax documentation showing this cancellation in favor of the state I have also recently received another letter from XXXX XXXX or showing that this was cancelled and that there is nothing showing in their computer system of any tax lien Equifax refuses to remove this from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.

Complaint:
In accordance with the Fair Credit XXXX Account # 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 2 : It also states a consumer reporting agency can not furnish an 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