hpe-ai/customer-complaints-train.csv huggingface dataset:
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 — Account status incorrect
Company: EQUIFAX, INC.

Complaint:
XXXX XXXX issued a statement Were here to help, in order to support customers experiencing financial difficulties due to COVID-19. It appeared that they were prepared to work with me in order to provide payment relief without causing late payments to appear on my credit report. They did not honor that statement as my credit report reflects late during the months of XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint:
I called XXXX and Experian to remove accounts from dispute status and remove dispute comments on XX/XX/22. Associates at both credit bureaus told me that they do not see the dispute comments under my XXXX XXXX XXXX account ( see last page of attached ), but when I print out my credit report, the comments are clearly there. This error on my report is preventing me from obtaining a mortgage, lenders do not like to see accounts in dispute status. The XXXX XXXX XXXX account should not have any disputes on it, and both credit bureaus are telling me that there is nothing they can do to fix this error.

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 2017-07-19
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:
Further to my Complaint no.   XXXX   and the Company 's Response, I reiterate that I applied for the card under the promotional offer by clicking on a link to the offer. Although the welcome bonus offer was described in the terms and conditions and an additional disclosure before I applied for the card, American Express should have either denied my application or informed me that I was not eligible for the offer at the time of approval of my application.  Amex did neither, and made me believe that I never had a similar card in the past and that I was eligible for the offer. Only after meeting the offer requirements and demanding the bonus, Amex told me that I previously had a similar card. It is clear that Amex was not fair in communicating with prospective custo mers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
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 # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I 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 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 2022-01-18
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 XXXX XXXX, recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. 

I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. 

These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. 
Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX. I need a PIN for all my credit reports asap. 
I found some incorrect accounts that are listed wrong on my credit file : 1.XXXX XXXX XXXX XXXX XXXX, I have never filed a Chapter XXXX or XXXX bankruptcy. 
2.XXXX  XXXX XXXX  XXXX # XXXX 3XXXX # XXXX 4.XXXX  # XXXX 5XXXX XXXX XXXX # XXXX 6.XXXX # XXXX 7XXXX XXXX # XXXX 8XXXX XXXX  XXXX # XXXX 9XXXX XXXX  # XXXX THERE ARE SEVERAL ADDRESSES THAT DO NOT BELONG TO ME ON MY CREDIT FILE PLEASE DELETE THEY ARE NOT CORRECT : XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.

Complaint:
On XX/XX/2018, I had applied for a line of credit, with a lender. I was denied due to the fact that, Santander Consumer USA, has continued to report negative and incorrect reports about my past credit with them, to all credit bureau 's. After trying to correct this era with them on several occasions, they still haven't done so. I had retained a credit repair agency, to help me rectify this problem, and as of today they still haven't done so. I am now reaching out to Consumer Finance, because I feel like my rights have been violated, Under the Consumer Finance Rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Accounts Service Team Inc.

Complaint:
XXXX-18 My credit history is incorrectly showing two unpaid medical bills still owed to collections company " Financial Accounts Services ''.

Amount # 1 : {$4100.00} Amount # 2 : {$280.00} These medical expenses were confirmed as settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Weltman, Weinberg & Reis Co., L.P.A.

Complaint:
I have a complaint aga inst Weltman, Weinberg & Reis , Co, LPA a  debt collection firm. My husband had a judgement entered against him for a credit card debt owed to  XXXX  cards. On  XXXX / XXXX /   2017  a execution for attachment was ordered to collect on the debt. On  XXXX / XXXX / 17  a attachment/interrogatories was served to  XXXX   XXXX   XXXX   XXXX , where my husband an I own a joint account .At this time  XXXX   XXXX   XXXX   XXXX  froze our joint bank account ( at this time the law firm was contacted and offered to settle the debt but was denied ) On  XXXX / XXXX / 17  the Interrogatories was answered and returned with a Certificate  of Service and  is on file at the  XXXX   XXXX   Prothonotary 's  office. My complaint is this judgement is solely in my husbands name, and from my understanding under Pennsylvania law a joint bank account falls under the " tenancy by the entireties '' and because the judgement is not in both our names the account can not be frozen. I have contacted both  Weltman,   an d Weinberg & Reis , Co, LPA an d  XXXX   XXXX   XXXX   XXXX  on this matter. I waited to contact  Weltman and Weinberg & Reis , Co, LPA to gi ve them time to resolve the issue, however the account remains frozen. I contacted the law firm on  XXXX / XXXX / 17  and was told they were in contact with  XXXX  and the issue was being resolved, however, this was not the case, as I spoke with bank manage the same day. The law firm had also issued a attachment/interrogatories to  XXXX  other banks,  XXXX   XXXX  and  XXXX  bank, which neither of us have accounts with. On the same day  XXXX / XXXX / 17  the law firm did contact the  XXXX   XXXX  prohonotary 's office and had the attachment discontinued on the  XXXX   XXXX  account only. I have tried to make contact wi th Weltman and Weinberg & Reis but they will not return my call. Any help in this matter is appreciate d.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP

Complaint:
PAYMENTS SINCE XX/XX/2023 ARE NOT BEING APPLIED CORRECTLY.

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 2020-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I paid off my credit card on XX/XX/2020. I went by exactly what was owed. Today I called to make sure nothing was charged on my card and found out that there was a finance charge on my account for {$3.00} that posted on XX/XX/2020. I called and spoke with a representative who informed me that it's called residual interest. He stated that residual interest accrues when I don't make a payment in full. I informed him that I make payments on time and I pay above the minimum amount due. But he kept trying to explain something else to me which sounded like a bunch of XXXX!! I used Capital One 's voice prompt machine or whatever you call it to make my payments, always have. When I called to make my final payment the machine gave me what the statement balance and current balance was. That amount was {$270.00}! Not once was residual interest mentioned when I made my final payment. That residual interest that they charged me and might charge me again next month is a way to make money off of us when we pay our accounts off. I'm not paying that and I want it removed from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Finance System of Richmond, Inc.

Complaint:
Finance System of Richmond received my letter disputing certain items listed on my credit report over thirty ( 30 ) days ago. The items were inaccurate and incomplete. I even attached a copy of the original letter they received via certified mail. they still have never sent me any information regarding this alleged debt, which I have disputed ( which is a violation of 15 USC 1681 s-2 ) Under the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( B ) & ( a ) ( 2 ) ( B ) a data furnishers compliance is required. Pursuant to 15 U.S.C. 1681I ( 5 ) ( A ), they have thirty ( 30 ) days from receipt of a letter to respond to a request for verification of the erroneous items. The thirty ( 30 ) days has now expired, and I have not heard from them. Therefore, it must be that the information on my report was either inaccurate, or it could not be verified. In either case, according to the provisions of 15 U.S.C. Section 1681i ( a ), the items must be deleted immediately. Pursuant to 15 U.SC. 1681i ( d ) of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
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: Experian Information Solutions Inc.

Complaint:
HELLO, I CHECKED MY CREDIT REPORT AND NOTICED UNAUTHORIZED FRAUDULENT INQUIRIES THAT I DID NOT GIVE CONSENT TO. I AM DEMANDING THESE INQUIRIES BE REMOVED WITHIN 4 DAYS AS THEY ARE FRAUDULENT. I AM A VICTIM OF IDENTITY THEFT. I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2020-03-03
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 went to the car dealership to trade my car in and approved with a high interest rate. I look at my credit and still see accounts on there that are not mine. Can you please take this stuff off my credit US Dept of Ed, USDOE XXXX and XXXX XXXX. I have contacted the FTC and local police.

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 2020-08-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allegiant Capital Recovery LLC

Complaint:
I was contacted by this company named Allegiant Capital Recovery Services, LLC on XX/XX/2020. They left a voicemail and I called the number back to find out who they were. I found out who they were and was speaking to an Employee by the name of Faith. Faith told me what the debt was about and I said I never received any communication from the credit card company or the Allegiant. I asked Faith on the phone to please send me proof of the debt via United States Post Office mail. She said they do not use the post office in the state of NY because of covid. She said the XXXX doesn't operate in New York. I did laugh at her and tried to ask several more times for her to send one to me by mail and she kept stating that's not how this works. I asked to speak with someone else and kept getting the same answer ( that's not how this works ). I also asked her to correct my mailing address because the one she read to me is incorrect ; its missing my lot # XXXX. The lot number is missing on the letter she sent me via email as well. I have not received anything via mail from either the credit card company or this shady Allegiant Capital Recovery Services, llc.. I said to her several times I would pay the debt if it can be validated by a simple letter, and that I wanted to speak with someone else also. She kept insisting I speak with her only and the debt was true and correct. 

I hope someone can help me with this issue. If you need more info please feel free to give me a call/text or email anytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
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:
Experian agent would do nothing.  I have multiple accounts in "good standing" and "pays as agreed" but $XXXX balance and still showing "payments monthly" ie $XXXX  balance and $XXXX due monthly .  This is wrong.  The creditor looks at this and sees $XXXX   on each account of 10 accounts with $XXXX balance and thinks I owe $XXXX  monthly!  This doesn't make sense per comparing to XXXX and XXXX showing $XXXX balance $XXXX payment monthly.  This date XX/XX/2019 I called Experian and was put on hold and left hanging after agent  said she would not change or dispute to correct.

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 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
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:
The attached student loan have all been consolidated and for some reason, Equifax is the only bureau that did not update my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION

Complaint:
In XX/XX/2020 I allowed my friend deposit her unemployment back paying my accchecking @, fifth third XXXX XXXX XXXX ind.XXXX I then went and withdrew it XXXX XXXX of her money in cashier XXXX and the remainder of her dep she had owed me were I gave her personal loan of XXXX inXXXX so the other XXXXshe payed that bk to me and the fraud dep said they wasclosen my acc and sending money bk to unemployment stating fraud well there was nofraud but the fraud lied they never sent money bk I called president of bank XXXX and I got letter in XXXX from him stating they closed my acc which was pose be closed in XXXX and XXXX the money was still in my accent just now said closed and haven't give my money bk they never sent no money into unemployment and didn't release it to me and I demand my money there saying I had no money in my acc yes I did I have proof also. XXXX XXXX plz help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
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:
On the XX/XX/2016 a fraudster took out a vehicle with XXXX XXXX XXXX using my credit information. I have contacted the three bureaus ( Equifax, XXXX XXXX XXXX ) but Equifax and XXXX add it back on. I have filed a complaint with the Federal Trade Commission and also filed a Identity Theft Affidavit in which I certified to make sure they have received all proper documentation. XXXX has removed but Equifax and XXXX have not permanently removed this fraudulent account from my credit. Clearly I need additional help to let them know they need to do a better investigation. They are not complying properly under the Fair Credit Reporting Act. Identity Theft has affected my credit tremendously and since then have been turned down by both lenders and creditors because of this fraudulent account. This is not OK! I have requested additional information multiple times and I haven't received anything. I also made sure that I sent everything via certified mail. I want this fraudulent account that falsely shows that I owe XXXX XXXX XXXX {$8300.00} removed immediately before I am forced to seek further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Hey my name is XXXX XXXX XXXX XXXX and Im here to report a fraudulent XXXX credit account that was opened using my information. 

This account was then maxed out and charged off by the XXXX credit company. 

This account has negatively impacted my ability to obtain good credit. 

I disputed this account with XXXX XXXX XXXX deleted the account so how is it that TransUnion and XXXX still reporting it?! 

This account isnt mine and it was fraudulently opened! Please removed this account from my credit Reports by TransUnion XXXX XXXX 

Thank u

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 2022-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.

Complaint:
I responded to a letter in the mail from this debt collection company. They asked that I send a dispute letter within a certain amount of time if I don't believe the debt is mine. I sent the letter and never got any correspondence back. Today, I get a notification that the debt is being reported to my credit reports. 

The debtor has purchased debt that was a result of identity theft and is reporting is as accurate dispute my dispute letter. The did not respond nor notate the account as fraud. The previous account owner also knew of this fraudulent debt and was not suppose to sell or transfer without notifying the new owner that the debt was discharged due to identity theft. 

XXXX XXXX isn't reputable and does not respond to dispute letters. They only send the letter out to say they are FCRA compliant but they do not abide by the full extent of the law.

Company response to consumer: Closed with non-monetary relief