hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc

Complaint:
Loan was opened under my name without authorization. I already contacted the company twice and had fill out ( unauthorized activity ) twice. Company isn't doing any investigation other than communication with Merchant ( which obviously ) won't lose money/merchandise and will provide valid information that for them ( it's valid ) but for me ( the victim ) is inaccurate/unauthorized/not valid. 

Latest communication to company attached. 

" I received an email that a loan was approved but I didn't read it right away. I read it after I found out an unauthorized loan was opened under my name. Changed password and contacted Customer Service while at the same time a notification that a package was on its way was received, but never reached my doorstep. I was at work when the ( address used ) was not the correct address ( missing information ) and I have proof of that or you can simply read the tracking history. Someone around 5 PM I believe picked up a package under my name when I was still at work, and I have proof of that as well. Your job should be to pull the video from the store or drug store the package was picked up from and analyze it thoroughly, NOT to deny my claim because you have too many claims for the day. Do your job and this is the second time I had to filled this report out for y'all. Also, I'm filling a XXXX  report on the wrongfully negative trademark sent to credit bureaus and another XXXX thru CFPB and others ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
In Accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX # XXXX, Collections : XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 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 7 years 15 U.S.C. 1681s - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reason 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 non-monetary relief
Consumer complaint received 2022-08-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-09-07
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 asked for verification that the reporting info was correct and they did not properly do so. I have misleading info on my report and my info is being misused since it is inaccurate! They stated everything was accurate and I found inaccuracies myself! They have to follow FCRA and according to that these accounts violated the law Alleged Data Provider, Alleged Account number, Alleged Adverse or Derogatory claim : XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$4900.00}, Payment : {$0.00}, Issue : Collection/Chargeoff XXXX XXXX XXXX Date : XX/XX/XXXX, Account # : XXXX, Amount : {$3000.00}, Payment : {$34.00}, Issue : Late 180 Days XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$2100.00}, Payment : {$39.00}, Issue : Late 120 Days XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$2500.00}, Date : {$0.00}, Issue : Collection/Chargeoff XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$1400.00}, Payment : {$15.00}, Issue : Late 180 Days XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$4900.00}, Payment : {$0.00}, Issue : Collection/Chargeoff XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$3000.00}, Payment : {$34.00}, Issue : Late 120 Days XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount XXXX {$2100.00}, Payment : {$39.00}, Issue : Late 120 Days XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$2500.00}, Payment : {$0.00}, Issue : Collection/Chargeoff XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$1400.00}, Payment : {$15.00}, Issue : Late 120 Days XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$4900.00}, Payment : {$0.00}, Issue : Collection/Chargeoff XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$3000.00}, Payment : {$34.00}, Issue : Late 120 Days XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$2500.00}, Payment : {$0.00}, Issue : Collection/Chargeoff XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$1400.00}, Payment : {$15.00}, Issue : Late 120 Days XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$640.00}, Payment : XXXX XXXX XXXX XXXX : Collection/Chargeoff I have just learned that USC 15 1681 602 A states I have the right to privacy I wasn't ever given the notice of the right to opt out and given instructions! 15 U.S.C 1681 Section 604 A section XXXX also states a consumer reporting agency can not furnish an account without my written instructions and consent! I never provided my consent! The credit bureaus are violating my rights and the law! I am demanding that these items be removed 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 2023-04-24
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-06-11
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 FURIOUS WITH THE XXXX EXPERIAN XXXX XXXX AND XXXX XXXX  XXXX! I HAVE BEEN TRYING TO RESOLVE MY ID THEFTI SSUE FOR THE PAST FEW MONTHS AND THEY ARE REFUSING TO HELP ME. I HAVE TRIED REACHING SEVERAL DIFFERENT DEPARTMENTS DIFFERENT SUPERVISORS AND MANAGERS, NO ONE KNOWS WHAT THEY ARE DOING, NO ONE IS HELPING OR GIVING ME ANY RESOLUTION. THEY REFUSE TO GIVE ME VIABLE EVIDENCE PURSUANT TO SECTION XXXX XXXX IN THE FAIR CREDIT REPORT ACT. I AM TIRED OF GOING BACK AND FORTH AND NOT GETTING ANY RESOLUTION. TELLING ME ADDRESS NAME SOCIAL AND BIRTHDAY MATCHES IS NOT VIABLE EVIDENCE, OBVIOUSLY IT MATCHES THATS WHY I AM A VICTIM OF IDENTITY THEFT. THEY HAVE NO SIGNATURES FROM ME GIVING APPROVAL OF THE OPENING OF THESE ACCOUNTS. I NEED YOUR HELP CFPB IN HELPING ME RESOLVE THIS ISSUE, I AM SICK AND TIRED OF DEALING WITH THESE COMPANIES WHO ARE ROBBING ME FROM MY PEACE. ITS BEEN TOOOO MANY MONTHS ALREADY. OH AND I WILL ALSO ADD THAT XXXX  REFUSES TO BLOCK ANY INFORMATION THAT IS REPORTED AS FRAUD PER WHAT THEIR SUPERVISOR SAID, SHE SAID THAT WE DO NOT FOLLOW FEDERAL LAW, WE HAVE OUR OWN RULES AND PROCEDURES, WE WILL INVESTIGATE FOR 30 DAYS. THEY DO NOT COMPLY TO THE RULES OF SECTION XXXX IN THE FCRA. AND SHE CLEARLY STATED XXXX DOES NOT COMPLY WITH FEDERAL LAW, THEY FOLLOW THEIR OWN RULES AND REGULATIONS.

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 2022-07-19
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 have been reported dead to the credit agency and no matter what I do I cant get it fixed. Please help XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA

Complaint:
I have been removed from American Education Services ( AES ) borrower benefit program ( BBP ) that reduces interest rates by 1 % after 36 months of on time full payments unfairly and due to AES searing me away from their automatic direct debit payment program. I was removed from the program due to a payment that was a few weeks late and a payment that was {$94.00} short of the payment since I was looking at an old bill. Had I been enrolled in their automatic debit payment program like I wanted to I would not have missed these payments. I was steered away from their automatic debit payments due to incorrect and misleading information. It is my belief that AES will not let customers that are trying to get into their BBP set up automatic debit payments since this will make it mush easier for them to qualify for lower interest rate. I was told in XXXX that I could not set up automatic direct debit program to pay more than the minimum payment. I wanted to pay more to pay my loans off sooner so I did not set up automatic direct debit payments at that time. I again questioned automatic direct debit payments on XX/XX/XXXX and was told that " Unfortunately the lender does not allow a paid ahead status '' and I could only make minimum payments using automatic direct debit payments and would have to send two bills to make extra or over payments. Since then I have found out that I can pay any amount over the minimum payment. AES continually gave me incorrect and misleading information. I have e-mailed AES customer service over 6 times the past 3 months with out any reply or a response about the incorrect information I was given. The continue to not take responsibility for their actions in this circumstance and have denied my request to honor the 1 % interest rate reduction I should be qualified for since XXXX that has resulted in 10 years of AES collecting higher interest rates from me unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.

Complaint:
Chase bank charged me {$95.00} annual fee for my Chase mileageplus explorer credit card on XX/XX/XXXX. And I always keep the card in a good condition without any late payment. However they closed my Chase mileageplus explorer credit card this XX/XX/XXXX without refunding any annual fee. I paid the {$95.00} annual fee for the annual service, but they just provided three months service without any refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I ordered a secured credit card through Capital one. I never recieved it so I called and told them I never recieved my card. They asked for my information, including address which they said was correct. They cancelled that card and sent a new one. Again, it never came. After my third attempt ( a month later ) and them verifying my address, I found out they've been sending it to the wrong address. I cancelled my business with them and asked for a refund. They said I'll be receiving X amount of dollars in 7-10 days. I waited 12 days and it never came. They cancelled the check and issued a new one. I waited 15 days for the second check before I called. I called twice yesterday and they hung up on me twice. I feel like I've been dealing with a fake company and now I'm worried about all my information falling into the wrong hands and my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.

Complaint:
I have held a Citi Mastercard Credit Card since XXXX, back in XX/XX/XXXX, I signed up for Auto Pay for both the minimum payment plus an additional {$2500.00} to budget my account, I was under the assumption that first Auto Pay in the amount of {$2500.00} would be in XX/XX/XXXX. At the end of XXXX I made an over the phone payment in the amount of {$3000.00}, reviewing my bank statement, I noticed Citi had withdrawn already the {$2500.00} ( Auto-Pay ), so I decided to make a stop payment with my bank for the {$3000.00} - there was no need to credit my credit card account for {$5500.00} since I had met my obligation in the amount of {$230.00} ( monthly Auto Pay ) .. Now, on XXXX XXXX, they notified me that my account was closed due to the fact that I had placed a stop payment on the {$3000.00}. ..I feel it is unfair since I had met my monthly payment obligation per our contract and on top of that an additional payment in the amount of {$2500.00} They have been unwilling to resolve this issue and have been forced to seek Legal Aid.

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 2021-07-07
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: EQUIFAX, INC.

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY

Complaint:
I have send numerous of documents including my police report and identitytheft.gov documents. I have sent to XXXX XXXX XXXX, AMEX, XXXX, XXXX AND XXXX 
I have gotten letters phones calls and report still showing on my credit profile. 
From XXXX XXXX  and other collection agency seen like AMEX keep sending report between 3 didferent agency. 

Now i got this letter stating they wont honor my documents because a payment was made from 2 bank account that i have no knowledge of no do i deal with them. 

This is voliating my right and all of 15 USC code

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
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:
A fraudulent credit card was opened in my name in XXXX of XXXX with XXXX XXXX  account number : XXXX. I had no choice than to settle this account with XXXX XXXX  XXXX XXXX XXXX XXXX in XX/XX/XXXX because I was applying for a mortgage and this fraudulent account was affecting me from getting a mortgage. I never opened any account nor received any service from XXXX XXXX. My identity was stolen to open this account. I filed a police report along with an identity theft report. Submitted both reports to the credit reporting agencies and they failed to remove this fraudulent charge-off account from my credit report. I also sent a certified letter to XXXX XXXX  requesting a debt validation and still havent received a response. Attached is proof that Ive made several attempts to get this fraudulent charge-off account removed from my credit report. I never authorized this account, please remove from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings

Complaint:
On XX/XX/2020 at XXXX, I had a missed call from this company. Knowingly aware that none of my creditors could call me I returned the call at XXXX, the person who answered ask me verify my identity and I told the person on the phone I don't know who you are so you will need to send something in writing via email or mail. I advised you should not be calling me due to being protected by the Chapter XXXX " automatic stay '' that was filed and that all creditors had already received notification. After stating that information, I disconnected the call. On XX/XX/2020, I received a notification from XXXX, XXXX and XXXX  that a collection account was added to my file for {$1300.00}. Not only did you not confirm my identity or you ability to contact me based off of our conversation, you were sold a debt that is protected by the Bankruptcy Code in which you violated by contacting me. The appropriate action that XXXX XXXX should have taken was to reach out to the creditor to verify based off the brief conversation. On XX/XX/2020, I received yet another notification from the credit bureaus that you increased the amount to {$1300.00}. My first question is why did you not validate the debit allowing 30 days for a response before adding to someones credit report? Why and how did you increase the amount? 

Do not blame COVID-19! I have disputed it through all three bureaus and your company stated that information is correct when it is not! I have attached screenshots confirming the timeline. 

As of XX/XX/2020, I have yet to receive anything via email or mail from XXXX XXXX to validate the debt. I demand this collection account be removed from my file through all three credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service

Complaint:
I disputed a error on my credit file from Army/Air force exchange around XX/XX/XXXX it is showing a late payment for XXXX $ on XX/XX/XXXX. I never received a invoice this month for and i feel like the error should be corrected. I've never been late before with this 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 2021-07-09
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: EQUIFAX, INC.

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
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:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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