hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-12-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.

Complaint:
The account with Santander Consumer is reporting incorrectly. This was an auto loan and the loan was paid off in XXXX. The vehicle was traded in on XX/XX/2022 and the dealership paid off the loan. Santander reported that this was 30 days late and they received the full payoff. I contacted the company and disputed this and they referred me to the dealership. The first person stated that they had a computer problem and did not post the account for over 10 days. The next person referred me to the dealership and stated that they were not making the change. The loan is paid in full. I want this reported correctly that it is paid in full and to remove the 30 day late notice. This negative remark caused my credit score to go down over XXXX points!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
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:
I have sent in two different dispute/complaints letters XX/XX/2022 and XXXX XXXX asking the companies XXXX, and TransUnion to verify, method of verification used, + original contracts. XXXX or TransUnion has yet to remove the derogatory account from my credit report or produces verification method used to verify the account or original contracts.

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 2017-07-24
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: Byrider Franchising, LLC

Complaint:
I authorized a hard inquiry from  XXXX    XXXX   XXXX   on  XX/XX/XXXX  for a car. I have notice that since then the same finance company continued to pull my credit report. This company has obtained my credit report  XXXX  more additional times without my permission, adding  XXXX  more hard inquiry 's.  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  were all unauthorized. Also, in addition to affecting my  credit score , this company obtained my information and addresses that were unknown to them with out my permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
I recently checked my credit for the first time on XX/XX/2020 and noticed a derogatory mark for a debt owed on a credit card. ive never opened that card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.

Complaint:
XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, VA XXXX has been sending me collection notices in the amount of {$890.00} and calling me after I have asked them repeatedly to stop to the point I had to block their phone number. This collection has been reported as past due. I do not know this company nor have I ever done any business with them. XXXX XXXX XXXX XXXX does not have a contract with my signature and I do not owe them a debt.

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 2020-03-25
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:
On XX/XX/XXXX I accessed my freed credit report through all 3 bureaus. Equifax is reporting 2 accounts incorrectly. Both are with XXXX XXXX, 1 was closed in XX/XX/XXXX, which is over 7years ago. This account should be off my account. The other account is reporting a delinquent payment, which is not showing on the other 2 bureaus. This was a bank error and was fixed by the bank in XX/XX/XXXX. They reported to Equifax and the bank recently said they reported correctly and all 3 accepted the fixed. The bank is unsure why equifax as decided to revert back to the erroneous information. I tried to dispute through website and would not allow me to submit. My wife submitted her claim. I tried again today and again can not submit. My wife has yet to hear from them about the fixes and the error is still on her credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint:
Dear Consumer Reporting Agency, I am writing to inform you that I recently received my credit report and found inaccurate information on it. I believe that this violates the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681 and 15 USC 1681b.

According to 15 USC 1681b ( a ) ( 2 ), consumer reporting agencies are only permitted to furnish a consumer report based on the written instructions of the consumer. As I did not provide written instructions to include the accounts listed below on my report, they should be removed. REMOVE TRANSACTION HISTORY this is not a dispute, it is written instruction. please update immediately. if there is consumer debt for XXXX XXXX XXXX, please send 1099c, it is illegaly to charge off an account and report monthly payments XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, as a consumer, I demand that the utilization for the above accounts be updated to 5 % or below, or alternatively, that all utilization information be deleted due to inconsistencies across the board. I would appreciate a copy of my updated consumer report once the changes have been made. 

Please be aware that if you fail to respond satisfactorily and remove the negative account information, I may take legal action against your company for FCRA violations, which includes civil liability and financial penalties.

Please note that due to my current physical situation, which is the result of a prolonged XXXX sickness, I am unable to communicate by phone. Therefore, I request that we handle this matter electronically and through email. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
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:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC

Complaint:
Hi, I have tried countless times to dispute the issue with XXXX pertaining to the incorrect stated amounts owed to Spring Oaks Capital LLC. Each time my claim has been returned as confirmed, which is incorrect. Please correct me if I'm wrong, but it is to my understanding that a company collecting debt or so-called debt are required to be licensed in the state of the alleged person that owes the debt. Is that correct? If so, according to Spring Oaks Capital LLC is not licensed in the state of New York. On that data point alone any claim and/or attempt to collect debt from me should be taken as a violation of Consumer Finance Laws and an attempt to commit an unlawful act. There's also the issue of I do not know nor have ever signed any document binding me to XXXXXXXX XXXX XXXX XXXX. XXXX should be held responsible for lack of debt ownership and illegally allowing the sharing and/or access to my private personal information. More so for assisting in the perpetration of a fraud. 
Case in question are : XXXX Credit Report Spring Oaks Capital LLC XXXX XXXX XXXX XXXX - XXXX. {$650.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Atlanticus Services Corporation

Complaint:
I established an online retail credit account through XXXX XXXX 's website on XXXX/XXXX/XXXX. This was regarding a treadmill purchase. I was financed through XXXX XXXXXXXX XXXX and it was not under the terms advertised under the XXXX XXXX website. I have called XXXX XXXXXXXX XXXX on XXXX recent occasions in XXXX XXXX since receiving my statement. I also followed-up through email directly to XXXX XXXXXXXX XXXX on XXXX/XXXX/XXXX. So far no action has been taken by XXXX or XXXX XXXX. The account that I set-up on the XXXX XXXX website was for 18 months, with no interest. My XXXX  XXXX XXXX account is not showing a 0 % interest rate- as advertised and agreed to. My current APR is showing as 29.99 % which is incorrect. Please see the terms below on the XXXX  XXXX Website. 
" No interest if Paid in Full within 18 Months : To avoid interest, you must pay the full promo balance before the promo period ends. If you do not, we will charge interest from the purchase date at the standard Purchase APR. After the promo period ends, the standard APR also applies to the remaining balance and the charged interest. You are required to make minimum payments, but minimum payments will not pay off the balance on time. You must make larger payments to avoid the interest. Advertised monthly payment, if any, is greater than your required minimum monthly payment and excludes taxes, delivery, or other charges. Limited Time Offer. Regular account terms apply to non-promo purchases. Minimum interest charge : {$1.00}. Standard Purchase APR : 29.99 %. Prior purchases excluded.Account must be in good standing. Subject to credit approval. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK

Complaint:
Hello, on XX/XX/XXXX I received a notification that Discover updated my payment information on my XXXX  Reporting from past due XX/XX/XXXX to current. However all 3 bureaus were not updated so I sent a request to have all 3 bureaus updates. On XX/XX/XXXX, I received notification that Discover had removed the positive payment history and reported the negative history again. I feel like this was a very bad experience and that Ive been discriminated against. The decision to add back negative historys UNJUST, negative and has violated my  consumer rights and is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
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: Conn's, Inc.

Complaint:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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 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 2023-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$40.00} Needs Attention Overview You're currently using 5 % of your account 's limit. 

Balance {$40.00} Credit limit XXXX XXXX  Monthly payment {$5.00} Opened XXXX XXXX, XXXX ( 7 mos ) Payment History Youve made 100 % of payments for this account on time. 

Payment history table, broken down by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status 30-59 Days Late Amount past due {$5.00} Worst Payment XXXX XXXX XXXX Late Account Details Account status Open Type Charge Account Responsibility Individual Account. 
Remarks No XXXX XXXX XX/XX/XXXX days late XXXX Closed No Info THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

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 2023-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK

Complaint:
I was scammed by someone by XXXX, I contacted the discover Bank. They couldn't help. They suppose to help and I want my {$600.00} back!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
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: ALLY FINANCIAL INC.

Complaint:
TO XXXX XXXX THE XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, I AM HOLDING YOU RESPONSIBLE FOR DAMAGES IN WHICH YOU HAVE CAUSE AND FOR VIOLATING MY RIGHTS FOR NOT REMOVING THESE FALSE INAACURATE INQURIES THAT HAVE BEEN PLACED ON MY CONSUMER CREDIT FILE BY YOUR COMPANY ... .15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ... ..I NEVER DID NO BUISNESS WITH YOUR COMPANY ... 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; REMEMBER MR.XXXX I GAVE YOU AN OPPURTUNITY TO REMOVE THIS FALSE INQUIRY AND YOU DECLINED ...

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 2022-01-06
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:
Contacted transunion for 9 unauthorized/incorrect hard inquiries on my credit report, representative told me he couldnt do anything until I sent in letters, ( which I did ), contact my distributors to ask for removal, ( which I did )

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 2020-09-30
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 bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items 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. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, US DEPT ED, US DEPT ED, 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 explanation
Consumer complaint received 2023-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY

Complaint:
On XX/XX/2023 I was bnuying tickets on Delta Airlines. As I was moving through the online purchase, an offer for a American Express Gold Delta rewards card promotion appeared, offering {$300.00} off a {$1200.00} ticket price. I chose to apply and take advantage of the offer, lowering my total airline ticket price to around {$900.00}. I was approved and sent back to the Delta website ; however, there was a problem completing the transaction. I had to re-enter the flight information and this time there was no more promotion price, as I had already applied and was approved for a Card. 

After contacting Amex, they said they would be willing to open a ticket to research the marketing offer but they wouldn't guarantee to honor the offer. I chose to immediately close the account because it felt like a bait and switch. They get me on the hook for a marketing offer, but then due to the hiccup of Delta 's website, but don't follow through. Very deceptive, and worthy of a review of their marketing practices as it pertains to another party 's website being able to properly fulfill on the promise made by Amex. They should have honored the request, no questions asked.

Company response to consumer: Closed with explanation