hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-06-05
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mezcal Corporation

Complaint:
Originally obtained a predatory car loan with an interest rate of 26 % through mega auto finance in XXXX XXXX, CA. I believe, and a high car payment, with the vehicle also having a mandatory vehicle disabler, like I was a criminal or something. Than after a few months to a year I decided enough is enough and I volunteered to surrender my car, which was co-signed by my dad. The company sold the car at auction only getting if I remember a third of the loan value. They wanted an additional at the time around {$6000.00} more. I told them that wasnt my problem, that they didnt get the amount they wanted. So they put a derogatory remark on my credit and my fathers. So for each month over the next three or so years they marked as late unpaid. Eventually charging off as bad debt which also said CLOSED. Yet here we are a year Or two after that remark, and they still are reporting negatively. I had attempted last year to settle the debt for {$1500.00} to put an end to it, they wouldnt even consider it. After asking for a manager I was given a specialist who is a glorified debt collector. XXXX XXXX. 

Than, after recently checking my report, they seemed to have added on interest!

This company needs to be shut down. Nothing but bad reviews and predatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cedars Business Services, LLC

Complaint:
This company pulled my credit report without my consent and is using that information to harass me. I have asked for a debt verification letter, and the company has stopped sending me emails, but continues to call me 15-25 times in a row every morning and afternoon, usually while I am at work. They are also using internet-generated numbers, so it's never the same phone number that calls. 

The company still has not provided the requested debt verification letter, either. 

Cedar Business Services Email sent XX/XX/2022 : What are you referring to? Your company has consistently claimed this debt against me, but you haven't provided any of the debt validation paperwork. This is a request to validate the debt you are contacting me about. I do not know how your company gained my information, as I have never heard of them. Your company has also illegally obtained my personal information and have used it to harass me at work by calling my phone. Therefore, until debt validation is received, in accordance to my state law, do not contact me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
There is a debt on my credit report that I have disputed that was not deleted after asking for the debt to be validated. It was verified without sending me any information on how it was confirmed. I sent this letter to the credit bureaus on XX/XX/2022. The debt amount is XXXX this debt was bought by a third-party collection agency. I would like this debt deleted from my credit report because I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of a letter. It was not done in that time frame and also the debt was never verified as being mine debt and I never received verification on how it was verified it just was updated and I was supposed to just accept it and or pay it. I want it deleted 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 non-monetary relief
Consumer complaint received 2023-03-30
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 rights 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. In XXXX of XXXX, a XXXX XXXX collection account was opened under my name without my knowledge or consent and was used and left a {$4600.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.

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 2023-06-19
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: DISCOVER BANK

Complaint:
I am writing this letter in reference to XXXX that your company is currently reporting to XXXX and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
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:
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. Account name : XXXX XXXX XXXX  # XXXX Account name XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXXXXXX XXXX  # XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX XXXX  # XXXX violated my rights. 15 U.S.C 1681 section 602 A. States 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE Balance of {$1.00}, XXXX. 

Account Name : XXXX XXXX  Account # XXXX PAST DUE BALANCE OF $ {$1100.00} ( Account in Collection/Charge off please delete ) Date open : XXXX is reporting XX/XX/XXXX. Experian  show XX/XX/XXXX, and XXXX show XX/XX/XXXX XXXX XXXX XXXX XXXX is reporting {$1100.00} and Experian show XXXX, and XXXX show {$1100.00} Lasted Reported : XXXX is reporting XX/XX/XXXX. Experian show XX/XX/XXXX and XXXX show XX/XX/XXXX Date of Last Active : XXXX show XX/XX/XXXX, Experian show XX/XX/XXXX and XXXX show XX/XX/XXXX Past dues balance, Date openXXXX XXXX XXXX  Lasted Reported, and Date of Last Active all show inaccurate on this account accordance to XXXX XXXX Guidelines it MUST be delete. 

This is a violation of the FCRA and is also in violation requisite XXXX 2Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the righto a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory item be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.

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 2023-07-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates

Complaint:
This company has obtained my personal information from a company without consent of the consumer in order to sell personal private information. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer ; I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a 1099-C form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please deleted account from your records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17
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:
I have been disputing XXXX XXXX account reporting on Equifax XXXX XX/XX/2022. I have made at least two request in the past 75 days for equifax to delete this XXXX account because of the inaccurate information its reporting. The inaccurate information is the months reviewed which is showing 53 months. However this account was opened on XXXX XXXX. The delinquent date is XXXX XXXX. If you count the months starting 30 days after the OPEN date up til XX/XX/2022 is not 53 months! It is 65 months of reporting/reviewed information. And this acct was SOLD but it does not show who the charge off account was SOLD TO as it should! This account does NOT MATCH with the reporting information on XXXX or XXXX. But They are STILL reporting this inaccurate information which has been on my report at least 3 years. This acct is affecting my credit score and have been the reason for me being denied credit. Please take this complaint seriously by contacting this Equifax and making them DELETE this account because they are not reporting according to the guidelines of the FCRA. Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
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: 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 correct 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 2020-01-08
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:
Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now

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 2021-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc

Complaint:
COLLECTION AGENCIES VIOLATED " FCRA, FDCPA, FCBA '' REPORTING ID FRAUD ACCOUNT NOT MINES AND NEVER DONE BUSINESS WITH " XXXX XXXX XXXX'

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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 sent a letter on XX/XX/XXXX to remove XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$9700.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$9800.00} ; XXXX XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX XXXX BalanceOwed : {$34000.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
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 XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 a Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2018-12-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.

Complaint:
Ive sent letters asking for verification of my original signature and was not given any proof only a bill that was generated from their computer systems this is old it came off my credit report and now they are back with the harassment phone calls please can you help me fix this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
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:
Have a Problem with TransUnion there is a 30 day late that's reporting on my credit report from XXXX XXXX This company is reporting incorrect and inaccurate information I was never 30 days past due This information is Fraudulent and misleading Section 807 violation and misleading false reporting I, m seeking litigation from this late payments and please delete from credit report.

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 2020-08-11
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 had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

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 2022-06-11
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CURO Intermediate Holdings

Complaint:
This is the first time I am hearing about a debt that I owed for Speedy Cash. 
I emailed them disputing this transaction and requested proof of debt.

Listed below is what was included in first email : SPEEDY CASH SERVICE Attention, Lawsuit Court Case # XXXX LAWSUIT COST- {$1800.00} ( INCLUDING ATTORNEY FEE/ACCOUNT VALUE/LATE PAYMENT COSTS/INTEREST COSTS/COURT FEES ) Attorney : XXXX Rector XXXX XXXX, CA, XXXX. 

SETTLEMENT AMOUNT - {$880.00} For settlement reply on : - XXXX SUBJECT : LOAN Settlement AMOUNT- {$880.00} One Time Settlement Amount : - XXXX Received another email from XXXX XXXX XXXX Senior Investigator aXXXX XXXX XXXX XXXX stating the following : Hello XXXX Case No : XXXX After receiving this email we will issue a legal warrant on your name within next couple of hours so before you do anything read this email very carefully and respond back early as possible. 

You are hereby notified that a lawsuit has been filed against you for three serious allegations. Speedy Cash is a client of ours, and we are going to be representing them in future legal proceedings. 

The charges with Speedy Cash pressed on you are : XXXX ) Violation of Federal Banking Regulation 2 ) Collateral Check Fraud 3 ) Theft by Deception

Company response to consumer: Closed with explanation