hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-07-28
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 submitted a complaint last XX/XX/2022 to update these accounts, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to update these accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included these in my previous Complaint # 's XXXX ; XXXX ; XXXX and I am including these accounts again. XXXX XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$980.00} ; XXXX XXXX Balance : {$2200.00} ; XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

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 2022-02-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 non-monetary relief
Consumer complaint received 2022-08-18
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: JPMORGAN CHASE & CO.

Complaint:
I demand that the following account be deleted, all collection efforts cease and any information about this account sent to credit agencies/bureaus be removed immediately!! 

JPMCB AUTO Date Opened : XX/XX/2019 Acct type : Auto Lease

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13
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:
Transunion still making several violations to my credit and doing this by all impunity and not doing any investigation Putting inaccurate information in my credit report over and over and acting like a dictator

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 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services

Complaint:
EDFINANCIAL is reporting an open student loan account that has been paid off as of XX/XX/23. This account is hurting my credit and I have contacted the bureaus on 3 different occasions to dispute this information. The credit bureaus have been negligent to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC

Complaint:
In XX/XX/XXXX/XX/XX/XXXX I was awaiting the refund of my financial aid for classes I planned to attend that Fall with XXXX University. After not receiving the refund when normally scheduled, I began calling their Financial Aid office to get a status. I also emailed the Financial Aid office several times and received no return calls or emails. After a few weeks of this, I finally received an answer from the Financial Aid office stating I had run out of funds in my subsidized/unsubsidized loan availability. I would have to pay out of pocket to attend the classes. I was livid and withdrew from this school. I did not have funds to attend and had completed my Financial Aid packet in a timely manner to receive appropriate notice prior to the start of classes. I feel this is a scam by the University to receive funds from students. Had I not been consistent and diligent in contacting the Financial Aid office, I would have attended courses that Fall and owed for that semester. The school failed to provide any notice or status regarding the Financial Aid. This debt is NOT valid and this Collection Agency has NO CONTRACT. The collection agency has also re-aged this account in an attempt to collect and invalid debt. Delete this invalid debt from my credit file immediately.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-02-08
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: EQUIFAX, INC.

Complaint:
On XX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : BK OF AMER XXXX XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Southwest Credit Systems, L.P.

Complaint:
Southwest Credit Systems, L.P. issued XXXX separate collections accounts for the same {$190.00} dollar debt from XXXX, and both these accounts, despite representing the same collection, appear on my credit report. This money was not owed originally, as I have the receipt to prove I sent in my modem etc. I was not contacted to dispute the debt and show my proof of not owing the money. I contacted Southwest Credit Systems directly via certified postal mail to ask for verification of debt and to clear up the XXXX accounts that they have listed on my report. It has been 30 days and I have not received this information from them nor has the duplicate collection been removed from XXXX or XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have continually followed up with the companies as well as the credit bureaus of trans union and XXXX  and they refuse to remove the information or provide any documentation to substantiate their position.

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 2020-08-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Collection Services, Inc. (Nevada)

Complaint:
I spoke with XXXX from Allied Collection Services , Inc. twice on the phone after receiving an email for a debt originating from XXXX. I am not convinced that I owe this, which I told XXXX. I was also concerned that I had not received a hard copy of the account by Allied Collection Services , Inc . I told XXXX that if Im responsible for the debt I will gladly pay it but I did not think it was appropriate that I was not mailed a statement. I confirmed my address with XXXX to find that it was incorrect. My apartment number was wrong. When we realized this, I thought that they would send a statement right away. He still refused, stating that they had already mailed one on XX/XX/XXXX, even though he had just identified an incorrect mailing address. This reluctance on their part has caused me to feel suspicious about the legitimacy of the dollar amount in question. I am ready to resolve this quickly, Im not sure why XXXX and Allied Collection Services would choose to operate this way.

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 2023-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA

Complaint:
I attended to for-profit colleges. I do not have a GED. I was falsely certified into both programs. When I try to finish my schoolwork in 2020 at the XXXX  XXXX XXXX. I was told that I did not have a GED. I was not eligible to attend school in, although I had already attended schooling. I received my actual GED in 2020. I have over {$48000.00} worth of student loan debt that I can not use. I can not finish those classes or do anything about it except for have that much debt on my credit. This has caused me a great deal its financial stress in my life, as I can not even afford to buy a home due to the debt. I have had to file bankruptcy, which did not help with my student loans. All of the stress has caused me such a burden. I became suicidal last year, and Im struggling to stay on top of all of my bills with the way the economy is. I have tried to do everything right by enrolling in IT ours and I have applied for false certification forgiveness more times than I can count and was always told that the schools self certified me and that theres nothing I can do. I wasnt given an entrance exam on either schooling. I dont feel like this is fair as I have this debt. Now I cant even put towards something that would help me in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
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 applied to have my information updated over 60 days ago. No reply nor results : please have all unverifiable and un authorized information removed off my credit. I will have to file for litigation

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 2016-04-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Brown and Joseph, Ltd

Complaint:
We have received 3 letters from Brown & Joseph for a debt we do not owe. I responded to the first letter with a fax and letter stating the debt was not ours and not to contact us again in regards to this debt. When we received the second letter, I sent a certified letter with a copy of the first letter and another letter stating not to contact us again. When we received the third letter, I called and left a message with XXXX at the firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
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 — Investigation took more than 30 days
Company: Guild Mortgage Company LLC

Complaint:
I have filed a dispute regarding the incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
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: EQUIFAX, INC.

Complaint:
My identity has been compromised cc where open without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be REMOVED immediately. 

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 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 2023-02-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelson Cruz & Associates LLC

Complaint:
A collection showed up on my credit report and I contacted the collection company and they have no signature and the address is not correct and I have no idea what it is. The collection company said they would not remove it without me filling identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc.

Complaint:
Dear CFPB, I checked on my XXXX credit report and account breakdown on XXXX and it shows I have 6 hard inquiries, 3 of them that come from the same product ( car lease ). 2 of them are from GM Financial ( made with 3 days of difference ) and the 3rd one comes from XXXX XXXX XXXX the dealer from which I leased my current car ). 

I'm kindly asking for them to reconsider these hard inquiries since 2 of them were done on the same day ( XX/XX/XXXX ) and then on the XXXX they made another one. In the end I got my car lease approved, but I think it should only take 1 hard inquiry for that, not 3. Therefore, I consider it unfair to have 2 additional inquiries on something I actually ended up getting approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis

Complaint:
In XXXX of XXXX someone used my name to apply for an apartment in XXXX. The application was denied based on the debit/credit card information the applicant used when applying for the apartment being declined. On XX/XX/XXXX I was informed that I now have derogatory marks with all credit bureau for this matter. Although, I never applied for the apartment. I have never lived in XXXX. I currently live in XXXX  and was living in Nevada when the individual applied for this apartment. My credit has been impacted by something I am not responsible for. I have been informed I have to file a police report and have to submit several documents to Columbia Debt Recovery before they can remove the collections off of my credit. I will be going to the police department today to file the police report and submit all documents they have requested from me to have this cleared and removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: BANCO POPULAR DE PUERTO RICO

Complaint:
I had started a new job, that I never told the bank about because I didn't even have a month working their, and while I was home before going to work one day, ( XX/XX/2019 ) I get a call and text message from my supervisor telling me that agents from the bank are at my job place looking for me, and left a card with the supervisor about my 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 2020-07-10
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: PlusFour, Inc

Complaint:
Plus Four is fraudulently and knowingly sending false information to XXXX, I have called them numerous times and they acknowledge it is not me but say there is nothing they can do to correct there error because there is someone in a different state with a different date of birth different Social Security number who owes them money. I have pleaded with them to go after the person who owes them money and leave me alone but they refuse. 

Plus Four has also been dishonest and try to say that perhaps i have a relative with a similar name, this is not true.

This is one of three collection agencies who have this problem with my stolen information. The other 2 were very quick to realize there error and immediately correct it, write me a letter as well as do a bulls eye not to remove the false information from my record. You continue to refuse. Please please do the right thing and correct what you know is wrong and do a bullseye to remove it. Thank you in advance 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 2022-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.

Complaint:
Dear Sirs This is the company that has sent me letters regarding three different debts Resurgent Capital Services it states original creditor XXXX XXXX XXXX XXXX Current Owner LVNV Funding LLC Account # XXXX reference XXXX Balance {$2800.00} Account holder name XXXX XXXX XXXX XXXX The second is XXXX XXXX XXXX XXXX  current owner LVNV Funding LLC Reference ID XXXX Balance {$630.00} Account # XXXX Account holder XXXX XXXX The dates they are claiming are from XXXX They are not my accounts Thank you XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
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: EQUIFAX, INC.

Complaint:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

Company response to consumer: Closed with explanation