hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-05-27
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: OneMain Finance Corporation

Complaint:
I discussed a personal loan with One Main Financial on XX/XX/2020. I only found out after they ran my credit that you have to be on your job a certain amount of time and that they did not take proof of income from the company I was working for at the time. The inquiry was supposed to be removed from my report. However, it is still showing on my XXXX Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Sentry Recovery and Collections, Inc.

Complaint:
The following collection company Sentry Recovery and Collection placed a account on my credit report without ever contacting me in any form. 
I have written this company several times asking for documentation regarding this account and I have never received a response from them. 
They are violating my rights under the FCRA

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.

Complaint:
I have a wrong name and numerous wrong addresses on my credit report such as XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX phone numbers XXXX XXXX, XXXX, and XXXX XXXX, XXXX XXXX are not my names numbers or addresses.

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 2023-08-15
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 a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and according with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I amm requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
According to FCRA laws if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

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 2018-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.

Complaint:
I have been disputing an account on my credit file, and although multiple FCRA violations have been cleary committed, this file remains on my credit report. I have contacted Experian numerous times, by mail, email, online dispute but they continue to report this inaccurate unverifiable information on my credit report. I have reached out to the credit issuer many times, but with no response. I have created a XX/XX/XXXX case ( XXXX ) against them, and a CFPB case complaint XX/XX/XXXX-XX/XX/XXXX against them as well. I have called them and tried to contact them through email, each time I get no response. This is a clear violation of FCRA. I just recently submitted a complaint and in 30 seconds the system said complaint completed and no information was every updated. It look like an automated response. I understand that repeat static complaints are ignored, but each time I add relevant attachments of new information that the company has not responded or ignored. By law Experian has the obligation to throughly review and update my credit file upon request in a fair and accurate manner. They are ignoring my complaints. If you look at the file on my credit report, the status of this entry has not been updated since XX/XX/2013 ( see screen shot ). I am looking for Experian to remove this entry, the company account find my account and the information they are reporting is incorrect. I have spent several months trying to get this account removed. Experian is in violation of FCRA and I am looking to seek damages. Please remove this erroneous information from my credit file ASAP

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 2022-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
On XX/XX/22 there was a new capitol one account opened in my name. I only have one card ND it's a capital one quicksilver card. I really want this looked Into please as this is not me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Army and Air Force Exchange Service

Complaint:
Since filing chapter XXXX in XX/XX/XXXX, all three credit reports were correctly reported for my account with XXXX/XXXX XXXX, which was included in bankruptcy. Beginning in XX/XX/XXXX, only the XXXX  report was changed from bankruptcy status to charged off/collection status for my XXXX XXXX account. I contacted XXXX XXXX XXXX two months ago to request that my XXXX  credit report be updated from charge off collection/skip status effective XX/XX/XXXX to correctly report account as included in chapter XXXX bankruptcy. The XXXX XXXX account was removed from my XXXX report twice in past two months, but again on XX/XX/XXXX, the account is showing charge off collection/skip status, resulting in a 80-point drop in my credit score due to a COLLECTION for {$5100.00}. 

Since the bankruptcy trustee began making additional payments to XXXX   around the same time this problem began, it appears that my XXXX XXXX account is included in some type of automated monthly reporting system which provides inaccurate information to XXXX. Since being removed from XXXX, the collection status information has re-posted to XXXX   three times during the first week of the past three months. XXXX  advised me to dispute with XXXX ( copy of email attached ). I have disputed with XXXX  previously with no success -- only XXXX can update my report. If my XXXX report continues to show unlawful information for my XXXX XXXX  account, which is included in my bankruptcy case, I will be filing a civil lawsuit for violation of Fair Credit Reporting Act and violation of Federal Bankruptcy Laws. My patience has run its course!!

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 2021-06-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.

Complaint:
I mailed Santander on XX/XX/2021 and filed my FTC report to verify a debt that was reported in the amount XXXX that was never verity and they sent the debt to a debt collector. They are in violation of 15 usc 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Company Inquiries : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-09-10
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
Accounts that exist in my report that I never opened & never know about such as capital one XXXX XXXX  I want to clean my name & raise my credit score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
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: General Motors Financial Company, Inc.

Complaint:
To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint:
Hello, my credit report is displaying unverifiable and inaccurate information I am going through severe anxiety trying to get the issue resolved as I wait for a response. I am sure with your help and the integrity of XXXX, Experian, and XXXX we can get this handled quickly. But I mailed letter to them a month ago and I haven't received a response and they haven't yet complied with my request. I'm not even sure if they opened an investigation. Please help. 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 2022-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account #. XXXX has violated my rights 15 U.S.C 1681 section 602 A states i have a right to privacy 15 U.S.C 1681 section 602 A section 2 : It also states consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



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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 2022-08-05
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: EQUIFAX, INC.

Complaint:
I was affected by the data breach involving Equifax. When attempting to reach Equifax and demanding they remove all hard inquiries, collections and late payments. 

Per 15 USC 1681 a ( 3 ) and 15 USC 1681 ( a ) ( 4 ) " Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Per 15 USC 1681 ( b ) " Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. '' I never consented to these inquiries and reported late payments and closed accounts. Equifax did not exercise their grave responsibility to meeting the needs of my consumer credit information in a manner that was fair and equitable to me, the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
On the 19 I filed a report on CFPB to Bank of America, case XXXX. I've been calling Bank of America for over 3 weeks now, and I'm not getting any answers to my problem. I received an email a Resolution Specialist of Regulatory Complaints Department of BOFA, asking me to give him a call, I've called everyday, leaving voice messages asking him to call me back, and I've never gotten any answer. I've called every customer service number from them, nobody gives me an answer.

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 2018-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY

Complaint:
Unclear / Vague and Misleading rules about ticket exchange.

I purchased a ticket Flight from XXXX to XXXX - XX/XX/XXXXwith return on XX/XX/XXXX ( Ticket # : XXXX ( XXXX ). Method of payment my Delta AMEX ) Cost {$300.00} " Policy stated : This ticket is non-refundable unless the original ticket was issued at a fully refundable fare. Some fares may not allow changes. If allowed, any change to your itinerary may require payment of a change fee and increased fare. '' Due to my sister being in the hospital, I had to change my flight to retrun onXX/XX/XXXX instead. When I called the XXXX support agency, they asked that I prove my sister 's medical informaion, hospital name, etc., in order to the 'change fee ' to be waived. At that point, the return flight on XXXX cost the same as XXXX. The clerk said there would be no extra cost, but then we got disconnected. I called back to get another representative that stated I needed to pay an 'upgrage of ticket ' fee in order to get the ticket changed. I explained that XXXX Medical Policy does not menion any upgrade fee and that it waives the change fee, but the clerk did not want to follow policy. XXXX website : XXXX XXXX XXXX XXXX XXXX  Medical Emergency policy provides flexibility to the return portion of your trip by waiving service fees however, fare differences may still apply. ".

I called back another clerk to see if it was a bad representative. This one agreed with the first representative and change my second part of the trip to XX/XX/XXXX but said that I needed to hold for another clerk to verify the fare difference did not exist. Upon transfer, the next representative said that the price for this new ticket would be ' $ 300+ ' dollars. Which is outrageous. I asked to explain why, and this person again said that they had to sell me base economy and could not sell me a non-refundable fare. None of this is in the XXXX  policy and non of the representatives can agree.

After this conversation, I went ahead and bought my own one way flight back on the XX/XX/XXXX for {$180.00} USD ( XXXX   ).

When flying on the XXXX, I had 2 open reservations to check into. Both tickets were valid and the XXXX  clerk agents were confused why I had two tickets. They eneded up just canceling one on the spot because the system showed that I would be sitting next to myself.

What a terrible way to treat customers and write a bait and switch policy for medical emergencies. I'm extreemly upset at this company. Inconsistent customer cervice, lies about policy, and complete disregard for their own rules.

Company response to consumer: Closed with explanation