hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2021-09-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
I submitted a dispute and an FTC report for fraudulent accounts on all 3 credit bureaus. 

XXXX - XXXX {$1100.00} XXXX XXXX {$1000.00} XXXX - XXXX {$1100.00} XXXX XXXX {$1000.00} Equifax - XXXX {$1100.00} XXXX XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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 and I am filing this complaint about 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 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grain Technology, Inc.

Complaint:
I have reached out to Grain by emailing XXXX and by phone XXXX to identify the issue Im having with making a payment through their website. It does not let me connect my bank account sometimes and then sometimes it connects then disconnects after. On XX/XX/2021 I was finally able to connect the account so I made two payments {$100.00} and {$51.00}. I received a notification on today my credit report that I was two months behind which is incorrect. I have been emailing and calling with no return response and now my credit is ruin. This needs to be fixed immediately, I have always paid my account on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-15
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems

Complaint:
this is not my debt, this debt was never verified and put on my credit report. I called the company, they have no verification of this debt, never contacted me at all. I need this removed immediately its false information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.

Complaint:
Original Creditor : XXXX XXXX XXXX XXXX Collection Agency : LVNV Funding LLC Two Different Amounts On My Credit Profile {$1200.00} - {$1200.00} " Inaccurate " Date Disputed : XX/XX/2018 Disputed Charges And Information As Well As Requesting Validation Of Debt " VOD " Requesting The Method Of Verification And Steps That Were Taking " Unverified " Resolution : XX/XX/2018 Per XXXX : I Quote  Account Information Disputed By Consumer ( Meets Requirements The Fair Credit Act )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.

Complaint:
Hello, I'm registering a complaint against XXXX XXXX for the inappropriate assessment of late payment fees and interest to my account. My statement dated XX/XX/XXXX included a late fee and interest assessed on XX/XX/XXXX. I mailed my payment on XX/XX/XXXX or XX/XX/XXXX along with other payments to different vendors. All received their payments before XX/XX/XXXX, except XXXX which took the extra step to convert my payment to an eCheck and it cleared on XX/XX/XXXX, after the statement cutoff, and conveniently so they can add an extra fee. I called to raise the concern and they were unhelpful, mentioning that because I had closed my account, they would not reverse the fee that was assessed. If one looked the postmark date of the payment, they would clearly see that this was postmarked before the due date and was received timely. I'm aware that this crossed the XXXX XXXX holiday, however it seems like I am being taken advantage of, or at least being forced to pay a fee for their untimely processing. 

To avoid continuance of this problem and to put an end to my relationship with XXXX XXXX, I'm remitting the full amount due for the current statement ( though I don't feel it is appropriate ). I respectfully request the Bureau 's  assistance in having the {$31.00} refunded. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
I've sent several letters out to XXXX, XXXX, and Equifax regarding the reporting of inaccurate information reported on my credit report and the impact it has on my ability to help my family. Tracking number numbers : XXXX - XXXX XXXX - XXXX Equifax - XXXX However, the credit bureaus said they completed the investigation, and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; roles of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates, of the consumer, reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. 

How did they complete this investigation?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
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:
Dear TransUnion Bureau, I am XXXX XXXX XXXX, a victim of identity theft. I have already contacted you earlier regarding the Fraudulent Hard Inquiries, but there was no answer. There are some Fraudulent Hard Inquiries on my credit report, I notified the lenders that it wasnt me who applied and made sure no new fraudulent accounts were opened. 

I did not authorize the listed inquiries, they do not belong to me, so they should be removed from my credit repoet as soon as possible 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 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 It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States , if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
On my previous complaint against XXXX XXXX XXXX complaint number XXXX I stated the unprofessional way that I been treated by XXXX XXXX XXXX and letters that I have sent to them about a debt verification for the account that they are reporting to my credit report. They resolution yo complaint XXXX was the following, STATUS Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response XXXX has completed an investigation of all seven social security numbers associated with XXXX XXXX. One is confirmed bankruptcy so we have closed this account and requested a removal from his credit report. Thank you. 

At this point that account still showing in my credit report affecting my financial reputation and been affecting me for years because XXXX XXXX XXXX failed to appropriately investigate the several disputes that I been sending to them and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST NATIONAL BANK OF OMAHA

Complaint:
I am a victim of identity theft. An identity theft used my personal information without my permission to apply a loan from the first national bank of Omaha, and theres monthly payment {$490.00} charged from bank since XX/XX/2021. The loan is not mine, I have enclose proof of my identity and a copy of my identity report. 
I discovered this XX/XX/2021 and report to XXXX  XXXX police department, case no XXXX and federal trade commission case XXXX and sent the report to the bank. 
the bank do not stop collect the loan that is not mine.

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 2021-05-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Resolutions, LLC

Complaint:
This is my second complaint against Credit resolutions LLC. regarding the same acct. In my previous complaint they responded that it was resolved. This was intentionally misleading. They have continued to try to collect on the same bill that was shown to be illegitimate. My insurance company has proved that the claim was never submitted and the acct. was sent to collections. By the time the provider submitted the correct claim it was outside the 6 month timely filing clause my insurance provider has. Per XXXX 's contract with this provider I am not liable for any costs. This collections agency irresponsible behavior has now caused me to be denied a mortage loan pre-approval.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
I sent Experian a dispute letter about all the inaccurate addresses they are reporting on me. They did not delete the inaccurate addresses from my account. 

The following addresses are inaccurate and I want them removed from my account because I do not want to be at risk for identity theft : - 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 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 2022-11-23
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX, Account name : US Dept of ED XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX, Account name : XXXX XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
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:
XXXX XXXX : I had one late payment out of 36 payments on a car lease. The reason the payment was late is that my online banking service failed to deliver it on time.I called XXXX XXXX  and they even wiaved the late fee. Im unsure why this is still negatively affecting my credit. 
I have two car leases that I'm paying today and I'm never late. Furthermore I've been leasing vehicles since 2000 and I've never had a late payment in 20 years! 
XXXX XXXX : I have no idea what this charge is. It appears to be a medical bill.

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 2018-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
My complaint is about Experian and their refusal to report our mortgage as being open and paid. I have sent mortgage statements, and documents from the lender ( XXXX ) that this account has never been closed, and is being reported as such. From what Experian has explained to me is that in XXXX the account was discharged due to a bankruptcy, and the tradeline was never inserted back by XXXX. XXXX informs us that they have no control of when a tradeline is removed. On XX/XX/XXXX, XXXX submitted Automated Universal Data form ( AUD ) number XXXX to Experian to reinsert XXXX tradeline. I spoke with Experian on XX/XX/XXXX, and they informed me that Experian will never be able to report our mortgage, because the time frame had passed for XXXX to have the tradeline reinserted. Our mortgage was never included in our bankruptcy, and it should have never been removed from Experians credit report. The other credit bureaus are reporting our mortgage as open. So, in conclusion, its been ten years since Experian stopped reporting our mortgage, and some lenders use Experian to determine eligibility for credit. I want to know if it is legal for Experian to refuse to report our mortgage. I have been back and forth with Experian and XXXX to resolve this matter. Thank you for your assistance.

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 2023-03-05
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: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
I'm a natural person.I 'm an human being. I have a right under 15 USC1681. XXXX is govern by 15 USC 1681 and they violated my rights numerous times. I demand the accounts listed below be removed because according to 15 USC1681. I have a right to.privacy and i.did.not.give XXXX written permission to furnish these accts. Portfolio Recovery Associates acct # XXXX in the amount of XXXX. XXXX XXXX XXXX is the seller..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: SCHOOLSFIRST FEDERAL CREDIT UNION

Complaint:
All of these are from 2011 and payed off and the rest are account not done by myself. Cease to exist

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC

Complaint:
Phoenix Financial Service placed a collection on my credit reports in XX/XX/2020. I was confused as I do not owe anyone money, so I called to inquire. They stated it was from a medical bill from XXXX XXXX XXXX, but I have not lived anywhere near that hospital nor been to it in over 10 years and Phoenix said they did not know the date of service or any other details- that is the first illegal thing. I was interested in settling the debt, but was then told by Phoenix that they sold the debt, but they couldn't find out who they sold it to in the system. I spoke to three different people and none of them could tell me who owns the debt or how to pay it. How can I possibly get something off the credit report if the creditor can't even tell me how or to who? Also illegal. Lastly, I was told that they had the debt for several years ( yet didn't report it until 2020 ) and, " Don't worry, it will fall of your credit soon since it's so old ''. Completely unprofessional and was also a lie, since it is still on there 5 months later. Disputed with XXXX  and it was denied, so they obviously received different information than I have. I have never received any written communication from Phoenix either, before the collection or since I found out about it, which is also illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC.

Complaint:
We have started a call log with Midland Crdit Agency, calls received from the agency are ongoing..my husband has no idea what debit they are referencing because they are collecting on debt XXXX yrs ago. On XX/XX/XXXX calls started at XXXX, XXXX XXXX am, XXXX, XXXX each time I explained he works during the day & I have XXXX to please call after XXXX.XX/XX/XXXX XXXX, XXXX- which my husband answered the phone and he told them he would get back to them on Monday because we are working w/a debt consolidation company then @ XXXX the same guy he spoke with XXXX XXXX called again from Midland Crdit agency & my husband explained he already talk to him, enough of the harrassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL

Complaint:
Issue is with PayPal credit and PayPal Mastercard : Credit is funds from checking ; not to be confused with PayPal Mastercard. 

Two charges were added to both PayPal credit and Paypal mastercard ; meaning I paid twice. 

XXXX in the amount of {$5.00} through XXXX XXXX ; charged twice Transaction id for credit : XXXX XX/XX/ XXXX for shipping label transaction Id for paypal credit : XXXX These same charges are on my PayPal Mastercard, I'm attaching all both bills so that other will be able to identify all the evidence.

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 monetary relief