hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-07-06
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:
Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX  XXXX XXXX XXXX . XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-08
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: SYNCHRONY FINANCIAL

Complaint:
there are few things going on with my credit .well known companies are damaging my credit one month to another month ,1 yr to another year.XXXX  even forgive a mistake but not these XXXX XXXX companies ,1 late payment in last 8 years still reporting to credit bureu , lost house lost my cars after my husband sudden death threw me off with everything, after husband died had XXXX XXXX could not work, i had to raise XXXX children on my own, it was tough but i made it, things are much better financially but these companies continue to kill me and wont forgive me for late payments, they took my house for XXXX dollar debt left to pay off mortgage .XXXX XXXX  XXXX sold my house for late payment, did not regard my 20 yrs of payment i made XXXX dollar down payment we made to buy house,XXXX dollar house they sold for XXXX debt late payments and turned out sold for XXXX XXXX dollar, investor who baught my house selling for XXXX dollar, XXXX XXXX XXXX contnue to report late payment on my credit.XXXX cont to do negative reporting XXXX wont forgive me either, XXXX XXXX took both vehicle we had my husband made XXXX dollar down payments to buy those cars.he also traded my XXXX at that time but for late payments they took away my car sold it after we made three years of payments.recovered their money got their vehicle but put XXXX dollar for me to pay them. 
i am a biggest looser in this life lost everything except hope.with hope only i want to stand again and start life, but these XXXX XXXX companies wont let me do any thing i am tired of sending them letter to explain why payments were late? asking for forgivness but they are deaf they dont care i wish if i would have died too along with my husband becouse these companies are killing me any ways, i cant buy house i cant buy any vehicle.i am exhousted fighting with them, please help me if u can or i will believe no one is out there to see my tears and hear my cry 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 2019-09-23
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:
On Closed case # XXXX through the CFPB case, XXXX indicates that this loan belongs to me but clearly references in their response that it belongs to a " Mrs. XXXX ''. It is apparent this was not a mistake and that this account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
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:
I try to contact transunion, XXXX, and XXXX, about several inquiries in my credit reports that i did not do. I did not authorized companies to run my credit, I been a victim of identity theft for the past months. Someone had been trying open accounts under my name without success, this past months. And CREDIT BUREAUS had remove some inquiries. But since a couple days the same think started to happen all over and transunion and XXXX are ignoring my situation.

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 2018-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc.

Complaint:
I applied for an apartment lease at a complex called XXXX XXXX  around XX/XX/XXXX. I never signed lease and 3 months later I get a bill in the mail for XXXX . I ignored it due to the fact that I knew I didn't owe this amount, and another 2 months later i received another letter from collection agency NCC business services. I ignored debt not applicable to me, and did not find out it was sitting on my credit report until I tried to apply for a different apartment recently ( XX/XX/XXXX ). I tried calling NCC business services and asked for either a settlement or pay for delete, instead I good a very rude representative so I hung up. I went through online dispute and even tried to sent complaints to their management asking for proof of validity but no response. I can pay off debt fully but it is not correct and I should not be charged it, my main concern is taking it off my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I'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 non-monetary relief
Consumer complaint received 2019-10-10
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:
Capital One was in the process of opening a new credit card fraudulently applied for in my name. I spoke to their Fraud Department who stated " we would have called you ''. At the time I spoke to them, it had already been a week since the application had been submitted online. The reason I was aware of the issue is that XXXX had emailed me to let me know there was a hit to my credit score. I asked Capital One to flag my information & deny any new applications that were submitted. The stated they could not do this. That is a lie, as they will flag people with bad credit & deny them a new account. Furthermore, this was the second attempt to open a new card in my name this year. After the first attempt in XXXX, I had placed a Fraud Alert with all three credit companies ( XXXX XXXX,  and XXXX XXXX XXXX. The Fraud Alert is still active and Capital One ignored the Fraud Alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
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: Lennar Financial Services, LLC

Complaint:
On XX/XX/2020, I applied for a preapproval with Eagle Home Mortgage. I approved a credit pull, but only one. Instead, Eagle Home Mortgage pulled my XXXX  report, and then pulled a report for all bureaus, including XXXX. This resulted in XXXX inquiries on my XXXX report. 

Eagle Home Mortgage has indicated that it is their policy to pull a report from one of the bureaus to determine if the customer qualifies. After the initial review, they pull a report from all bureaus. This results in the consumer having a double inquiry for one of the bureaus. Consumers are not made aware that Eagle Home Mortgage will pull their report twice. 

I attempted to speak to someone about this for weeks. I left a message with multiple people, including my loan officer 's manager. I informed two of the loan officers and a rep at the company about the issue and they informed me that they would look into it. After weeks, I only got a reply after I contacted them again and threatened to file a formal complaint. Their response is that inquiries are only typically removed if there's an error. They followed up with claims that the second inquiry does not affect my score. They fail to realize that although the extra inquiry may not cause a drop in my score, the mere fact that it increased my total number of inquiries does affect my overall creditworthiness. They are also missing the point that I did not authorize them to pull my report multiple times. 

Eagle Home Mortgage should discontinue their practice of pulling consumers ' credit reports multiple times without their permission. When consumers provide permission to have their credit pulled, they have every reason to expect the company to only pull their information once and to seek permission for subsequent inquiries. I did not grant Eagle Home Mortgage the freedom to pull my credit as many times as they wish. I provided approval for one credit pull. So, one of the XXXX  inquiries should be removed.

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 2021-11-13
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports and needs to delete immediately. 
XXXX XXXX-Date of inquiry XX/XX/2020 "

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION

Complaint:
I opened this account on XX/XX/XXXX with the expectation of receiving a {$200.00} new account bonus.

The requirements were : -You must be a new BBVA Compass consumer checking customer who has not had a BBVA Compass consumer checking account open within the last 90 days or closed due to negative balance to be eligible for the bonus.

-Within sixty ( 60 ) days of account opening, at least one electronic direct deposit from an unrelated 3rd party ( e.g. your employer or a government agency ) in the amount of at least {$300.00} must post to the new checking account.

-The {$200.00} cash bonus will be deposited into the new checking account within 60 days of meeting the bonus requirements described above. The account must be open with a positive balance at the time the bonus is deposited.

On XX/XX/XXXX I received an direct deposit from my employer in my BBVA account in the amount of {$300.00} meeting the terms of this new account bonus. It has now been many more than 60 days, but my new account bonus has not posted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-10
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:
I noticed accounts displayed on my credit report that are a violation of my rights as a federally protected consumer. I demand that the following account be removed from my credit report immediately : XXXX. XXXX XXXX Account Number : XXXX XXXX Account Number 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 2023-03-09
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: CAPITAL ONE FINANCIAL CORPORATION

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 2021-08-03
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: EQUIFAX, INC.

Complaint:
I am victim of identity theft and fraud. I have notified alleged creditors on XX/XX/XXXX that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credits, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my social security number has been used unauthorized, and without consent and written or verbal permission. I have not authorized any of these creditors listed to have access to my credit report, and/or score. My social security number information was breach and alleged creditors have used my social security number and are in violation of the privacy act of 1974 etc. unless they can prove a written contract exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.

Complaint:
Yesterday I decided to get a copy of my free credit report and i went to the website referred to my by XXXX at www.equifax.com. I went to the website that i thought was secure and after i put in ALL my personal information such as address and social security number the website crashed numerous times. Then when i finally got back in it said my request could not be processed and that i need to call this number. XXXX XXXX XXXX. " We can't complete your request at this time. please call the customer care team. customer care is available between XXXX and XXXX  ET 7 days a week. 

so i called and i got the run around by the automated menu and the robot could not interpret anything i was saying or texting. for example it said please press 1 for yes and 2 for no and it didn't receive any of my digit responses. Finally, after about 10 minutes of total frustration i started pressing every button i possibly could and got some worker in XXXX who after about 13 seconds of me speaking, hung up on me and sent me to the 2 question survey which also could not detect my digit responses!! 

I feel completely violated and taken advantage of. I'm in limbo, still don't have a report and now these people have all this power to make or break mt credit rating and i'm supposed to feel secure that this company has the ability to destroy my credit at the drop of a hat. Who manages these companies and why are they allowed to have such terrible customer service? i'm not even sure i was speaking to the actual Equifax. How does a company with this power have a website that crashes and then sends you to never never land?? I emailed the company and got a autobot response telling me " the following link may address your concern..blah blah blah how-can-i-get-a-free-equifax-credit-report '' .. wow ya thing i didn't already try that?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.

Complaint:
In XX/XX/2014 my father died. A person ( now deceased ) removed monies from a Chase savings and checking account that belonged solely to my father. That Person was not signator. Chase has repeatedly refused to explain or provide an accou t beneficiary form. these are the two accounts # XXXX {$9600.00} # XXXX {$6600.00}. The estate of XXXX XXXX is now closed as the heir I am requesting the the CPFB have the bank Chase # XXXX return the stolen monies. The bank had no right to release any of that money and they owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
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: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH

Complaint:
I am trying to secure a home loan at   XXXX   XXXX   XXXX   in  XXXX  NC. They ran a credit report and informed me that there was outstanding balances with multiple organizations. I have contacted  XXXX  of the  XXXX  accounts which are fraudulant accounts to have them closed or to inform  XXXX  of the accounts that have balances, that they were not opened by myself.  One of  the organizations   XXXX   XXXX   acknowledged the fraud activity when none of the information provided matched their information.   The other organization  MUFG Union Bank  has been highly uncoorperative. They have been contacted over 6 times since  X/X/17    when the report was run. I can not speak to anyone higher in the corporation than a  floor manager,  who tells me that due to the fact that the information of birthdate, address, mothers maiden name, and phone number do not match they ca n't talk to me. I have contacted the company on   XXXX    ,  two more time s with dates I did not document.On  X/XX/17    I spoke to the floor supervisor  XXXX  who opened a case report and informed me that someone would contact me to further the case. No one called. On  X/XX/17    I spoke to   XXXX   who opened a case, took down my information and told me someone will call me.  Noone calle d. On  X/XX/17    I spoke to  XXXX  and  XXXX  who are both supervisors, they informed me that there is n't anything they can do and someone will call me to further the case. In this span of time they have charged me a  30, 60  day late charge and reported to  XXXX ,  XXXX ,   XXXX   lowering  my credit score. I was also informed that they are going to charge me a 90 day late  charge. I offered to pay the minimal payment to stop the 90 day late charge from entering my report. I have informed them of the hardship that this is causing me and chance of losing my ablity to purchase a home. I have also employed  XXXX  to help in the battle.  Union Bank wi ll not allow me to try and remedy this situation and have openly stated that there is not anything they can do to stop the destruction of my credit. The phone numbers I have called are  XXXX   XXXX   XXXX  and credit card division  XXXX   XXXX   XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC

Complaint:
In accordance with the Fair Credit Reporting act XXXX Accounts 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 a account without my written instructions. 



XXXX XXXX XXXX Account # XXXX Original creditor : XXXX FS 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.

Complaint:
These accounts aren't mine that need to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-30
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Exeter Finance Corp.

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation