hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verfied. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2022-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.

Complaint:
I ask them to remove information along with the letter again nothing has been done. The inquiries from XXXX XXXX  XX/XX/XXXX has informed me they do not have a request from me and can not verify my social number. XXXX XXXX XXXX XX/XX/XXXX also informed me they did not have a recorded of my credit request. UCS XXXX did not have my permission to run my credit score. XXXX XX/XX/XXXX did not have my permission to run my score. XXXX XXXX XX/XX/XXXX I have an account with XXXX for the past 20 years and there is no need to have my credit checked. I never authorized any credit check from XXXX, I did not have my permision to run my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.

Complaint:
I received an alert from XXXX XXXX stating that I had received a derogatory collection account from Eastern Account Collections in CT. I immediately called the Company using the phone number provided by XXXX XXXX. The Collection Company confirmed that the account was paid in full and promised to remove the collection account from my credit report. More than a month has gone by and there has been no action to remove this derogatory account from my credit report. This account has caused my credit score to drop by 25 points.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit reporting agencies are required to remove any account 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 account which does not belong to me or was opened without my permission. XXXX XXXX XXXX XXXX Balance {$10000.00} ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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

Complaint:
I have compiled with the credit reporting agencies, in all there requests in to remove all inaccuracies that they are furnishing on my credit consumer report. Now I want to file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Global Lending Services LLC

Complaint:
Global Lending Services is in direct violation of the terms of our XXXX XXXX XXXX. Under the Federal Truth-In-Lending Disclosure Statement, the Prepayment terms states " You have the right to prepay the unpaid balance in full or in part at anytime without penalty. '' Global Lending Services has violated my Federal rights as a consumer. Global Lending Services ignored my requests, thereby denying to accept payment. The company did not acknowledge my request until after involving cfpb, as stated in the response letter provided by XXXX XXXX, XXXX Consumer Complaints Coordinator. XXXX states the company received the inquiry XX/XX/21, however, certified mail receipts indicate they received letters on XX/XX/21, XX/XX/21, and XX/XX/21. 

XXXX. XX/XX/21 - XXXX received my first request to pay off the loan, to which they did not respond. 
XXXX. XX/XX/21 - XXXX received my second request to pay off the loan, to which they did not respond. 
XXXX. XX/XX/21 - 54 days after ignoring my first requests, XXXX receives my request for the vehicle 's title, absent of XXXX as a Lien holder. 
XXXX. XX/XX/21 - XXXX receives cfpb complaint number XXXX for misreporting to credit bureaus. 
XXXX. XX/XX/21 - XXXX composes and sends offer letter without sending the original instrument of debt. 
XXXX. XX/XX/21 - I received a response from XXXX which expired XX/XX/21. 

In addition to ignoring my request for payoff and original instrument of debt, XXXX has provided a questionable contract document. 

XXXX. Hand written text has been added to the " location '' field. 

XXXXAdditional information has been added to the document after I signed. There has not been any contract amendments signed by me and the lender for this contract. 

XXXX. XXXX was originally unable or unwilling to provide information as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
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: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
I have no knowledge of these 2 accounts that Portfolio Recovery is reporting that were opened fraudulently. I received notifications in the mail that they were open, but they do not and never have belonged to me. I want them off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bull City Financial Solutions, Inc

Complaint:
The debt is and has always been my former spouses debt. It originated in XX/XX/XXXX, even by proof of the info that was sent to me by the debt collection agency. My former spouse even made a payment to the originating debtor in XX/XX/XXXX. My name is no where on the debt and is not connected to it at all. The insurance that was used was connected to my former spouses military benefits not mine. I have provided all of my spouses information to include his XXXX which shows his date of discharge from the military, XX/XX/XXXX as well as a copy of our divorce decree that states that all debts that were his prior to XX/XX/XXXX are and remain his solely. This debt continues to be reported on my credit report and has been since XX/XX/XXXX. It was removed however it still showed it as an account in collections under my name and is a derogatory mark on my credit. This needs to be removed as an account that was NEVER my account and done so across the board to ALL reporting agencies as an account that was not mine, belonged to my former spouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY

Complaint:
On XX/XX/2018 I called Wellsfargo and paid in full the amount of XXXX wich was the whole amount of the debt owed. They gave me a confirmation number but they havent still reported to the credit bureaus.

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 2020-04-08
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: EQUIFAX, INC.

Complaint:
I'm not responsible for this accounts. I was victim of Identity Theft, a company stole my personal information, user names and passwords, they applied for many cards and loans, took money from some of my cards. i'm not responsible for this debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Duvera Billing Services, LLC

Complaint:
I have been a victim of ID theft. XXXX is aware and does nothing. I have contacted them thru the Consumer Affairs division and with reps and supervisors. 
I filed fraud with XXXX and submitted ALL the requested documents for fraud. 
XXXX is violating my rights as well as others with their failed verification of debts and fraud accounts. I file FTC reports and fraud for fraud inquires. They refused to remove them stating they are " statements of facts ''. Thats incorrect when they are fraud and the vendor has no permissible purpose of legit purpose for pulling and for credit in which I didn't not lawfully apply for. 

XXXX failed to provide documents as requested asking how an account was verified, who verified it, and what methods were used. Nothing was provided and thats against FCRA Law. The fraud accounts in question go against XXXX XXXX guidelines. 

The fraud alert listed on my file IS WRONG and they refuse to allow me to update. They advise me they can't verify my identity. Not sure how they can't being they have ID on file, SS Card, and FTC reports sent to them. They make it impossible to deal with and remove fraud info. Litigation is being sought against them and will seek damages as allowed per law. They have been sued previously for the exact same thing and they LOST. 

A fraud account that is list is Duvera Billing ACCT XXXX and they show the same account and balance as a charge off 2 times. The creditor who reports this NEVER provided debt validation or verification to me in writing as requested. XXXX leaves a fraud account and says its verified. The creditor has no signature, no copy of ID, no payments made to the account. The payments made that the creditor verified to me were ACCOUNT UNABLE TO LOCATE/NOTHING FOUND. The creditor said they verified it is fraud and requested it to be removed, yet XXXX failed to do so. XXXX has no reps who understand FCRA laws and guidelines. They leave information to ensure they can collect monies from the reporting companies. XXXX XXXX and XXXX deemed accounts as fraud and blocked the information immediately as should XXXX 

XXXX XXXX is also listed and the account is past the statue of limitations on reporting. It is fraud and was removed and blocked again by XXXX and XXXX XXXX ACCOUNT # XXXX ... I have a open and current account with them and they stated they asked for this to be removed, however XXXX refused to do so. 

They need to remove the inquires from my report, as I have not applied for credit and they were notified of those that were fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 
CHAPTERXXXXBANKRUPTCYDISCHARGED

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 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Knight Adjustment Bureau

Complaint:
Knight Adjustment bureaus is double reporting 2 debts on my credit file with XXXX XXXX XXXX XXXX. I recently checked my credit and noticed that Knight Adjustment and XXXX XXXX were reporting on the same debt. I paid this debt off a long time ago so it shouldn't be reporting on my credit file at all. However, XXXX XXXX never closed the account and updated it to a XXXX balance with a " charge off '' status and Knight Adjustment is reporting this as a paid collection. This is a violation under the FCRA and the FDCPA and needs to be fixed ASAP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
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:
I would like to file a complaint against this credit bureau for violating my rights under the Fair Credit Reporting Act and for committing an illegal act and thus a violation of the Fair Credit Reporting Act. This credit bureau has re-aged an old account that has been reported on my credit report inaccurately. The name of the account that is been re- aged is XXXX  XXXX XXXX account number XXXX. I called and spoke with an Equifax representative in the dispute department who told me that the XXXX XXXX XXXX account was scheduled to drop off my credit report in XXXX of XXXX and that in the system the account was showing as been 1 year, 3 months and 14 days old. This is despite on an old credit report it is showing that the account was opened in XXXX of XXXX. 
Re- aging of any item on a credit report is ILLEGAL AND VIOLATES THE FAIR CREDIT REPORTING ACT. I am therefore asking this credit bureau XXXX XXXX XXXX XXXX XXXX  from my credit report immediately due to this violation and illegal act. A failure to delete this account from my credit report will see me taking legal action and suing this credit bureau so as to recover damages. This complaint will be used in a court of law should the needs warrant it. 
I have enclosed copies of my credit report showing where the XXXX XXXX XXXX account has been re -aged. Kindly see files attached. Kindly delete XXXX XXXX XXXX from my account immediately or face legal action for re-aging of an account and reporting false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
I have been paying XXXX XXXX  for years. I had gotten behind a little $ XXXXbut they added  interest to the balance but on my credit report they put that I haven't been paying on that balance and I have been paying the balance I've tried to dispute the west   Virginia XXXX XXXX through Experian and XXXX. Neither one of them fixed the problem and it's hurting my credit because it saying I'm not paying anything on the balance but now I'm paying off the balance because my child is not getting the support by law they stop taking the support because she's XXXXand has graduated school. I would like it to say that I've been paying on it the whole time I have proof and would like to see that I'm presently paying off it now 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 2020-07-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA

Complaint:
In XX/XX/XXXX, I submitted an application for Borrower 's Defense for discharge, regarding a fraudulent for-profit school that has since been proven evident of fraudulent and deceptive practices in a XX/XX/XXXX nationwide settlement of XXXX XXXX to 180,000 students across 48 states. My school, XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) located in XXXX, FL, which was a XXXX XXXX XXXX ( XXXX ) school that closed in XX/XX/XXXXthen renamed XXXX XXXX, defunct in XX/XX/XXXX. I am reporting that this XXXX  lawsuit and settlement was issued unjustly to XXXX Direct loan borrowers and excluded FASFA, federal student aid borrowers. My complaint is regarding the Federal Department of Education Borrower 's Defense Department processing and judgement of denial, I received on XX/XX/XXXX. This recent settlement case, XXXX XXXX public scrutiny and admitted guilt by way of XXXX XXXX XXXX XXXX   settlement to students nationwide should have been means for discharge from a logical stand point. Are there legal principles, documents or processes that are unknown to me that I can submit to the department that were submitted in the plaintiffs court case? There have illegal and unjust on 2 profound levels that I am experiencing. 
The first injustice has taken place just like highly publicized schools such as XXXX and XXXX XXXX, for-profit institutions have too much fraudulent leeway to exist and systematically violate the use federal and private resources for the public. First generation college seekers, minorities, low income, among other disenfranchise groups of people were targeted in this corporation 's higher education scam. My entire primary education financial offerings were through XXXX XXXX and not XXXX direct loans, which I had no education about. 
Discrimination and neglect is the second level of illegal and unjust processing. Because this lawsuit only pertained and was carried out for a certain group of borrower. The bulk of students attending these schools were financed through federal loans, so why wasn't there financial restitution given to all students who are seeking relief by way of discharge, that has been in a timely process for 3 long years of life unfairly and to a unfair resolve. 
I have submitted an option for reconsideration, as of XX/XX/XXXX, officiated XX/XX/XXXX but have not been provided any guidance by the Borrower 's Defense Department on what is needed information for approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.

Complaint:
I called the credit card company customer service again today XX/XX/2019. 
I asked him why I was charged a late fee of {$85.00} and they said because I didn't pay it on time in spite of the fact that I have a minimum balance that they automatically get so they're paid on time. I also pay the full amount, this month it was {$5500.00}, a few days before the due date. 
The representative insisted that does not qualify as being paid on time. They have it rigged so It's impossible to pay on time according to them. I think any reasonable person would say that I'm paying them on time and have never been delinquent. This has been going on for many months. And I have paid thousands of dollars in late fees even though I always pay on time in full. 
The best arrangement I could get with them was to pay my bill in full automatically for 2 months and then I might not be charged any late fees after that. 
Out of desperation and because they left me no alternative, I agreed to that arrangement. 
I think what they are doing is unethical and probably illegal and that they should refund all my late fees to me.

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