hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-08-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings

Complaint:
I received an invoice from XXXX at XXXX XXXX XX/XX/2021 regarding an apartment I rented at XXXX at XXXX XXXX from XXXX. In that invoice it stated, the apartment was not clean, repainted and carpet had to be cleaned. I submitted pictures to the apartment complex to support that the apartment was clean along with the carpet being clean. The office personnel reached out to the billing office and still started the apartment was not cleaned when I moved out. Several pictures were submitted to have the charges reversed. 

The account was turned over to IQ Data International, When I spoke to the representative at IQ Data International regarding submitting my pictures and to dispute the charges, I was informed I had to pay the amount due first and then the dispute progress would begin. I refused because I knew it was a waste of time and a tactic. I didn't believe in the system to follow through. Daily interest is added to the balance which increases the monthly balance. Current balance is {$520.00}. 

I want this rectify with the charges being dismissed and stop incurring daily/monthly interest fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.

Complaint:
I am not allowed to log into my Equifax account. 
I am 100 % sure that I used correct login information, but still I got blocked. 
My guess is somebody else might obtained access to my account and might have changed my real user ID/password. 
Also requests for credit report to Equifax coming back with weird content- such as there was no credit score available. I have had plenty of accounts, loans, cards over the last 20 years etc. and that is simply not logical.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
Experian is reporting a inaccurate account that is in collections to my credit bureau. I uploaded the deletion document to Experian and have yet to see the account deleted. Letter submitted to Experian on XX/XX/20 for XXXXXXXX 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 2018-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY

Complaint:
A cashier 's check from XXXX XXXX XXXX for an amount of {$2900.00} was deposited to my account on XX/XX/XXXX. The funds were not available until XX/XX/XXXX at which point I made a transaction based on the availability of the funds and with confidence that Wells Fargo had ensured that the check was valid. I repaid an amount of {$1600.00} for the original senders use on XX/XX/XXXX via a XXXX XXXX money transfer. On XX/XX/XXXX the deposited amount ( {$2900.00} ) appeared as DEPOSITED ITEM RETN UNPAID, and upon further investigation by the Wells Fargo fraud department, the check was declared fraudulent and I was declared a victim of fraud. Wells Fargo is holding me liable, and requests I reimburse the negative balance on my account that is due to the fraudulent check being deposited and subsequently returned.

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 2019-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: STERLING BANCORP

Complaint:
I had held a " Totally Free Checking Account '' with XXXX XXXX XXXX for longer than 20 years. About two years ago, XXXX XXXX XXXX  acquired XXXX XXXX XXXX  and my checking account. About a year or more ago, XXXX XXXX began charging me {$10.00} per month for having a low balance on the account. I received no notice prior to the " fee '' being removed for my account. I stopped the automatic deposits into that account and asked the bank to close the account. They informed me that I would need to visit them and bring identification in order to close an account that they did not want to service.This is a hardship to me as I have mobility problems. 

I am asking to have my now unfunded account closed and to have my " Totally Free Checking Account '' agreement respected. I am asking for a refund of the monthly {$10.00} deductions. I would like my money returned as I never agreed to banking with fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.

Complaint:
In or around  XXXX   XXXX , I purchased a vehicle and informed Equifax,   XXXX   and   XXXX    that they are incorrectly reporting a judgment on my report.   XXXX   and  XXXX  have since removed it. I purchased another vehicle  (   XXXX / XXXX / XXXX   ), and was shocked that Equifax did not remove this derogatory remark which increased my monthly paym ent due to the interest rate. I gave proof to Equifax in  XXXX  that there was not a judgment entered in favor of a prior Landlord in  XXXX  against me. In  XXXX  I called the clerk 's office of the jurisdiction of whom recorded it. They advised that they do not report, emailed the pla intiff 's attorney he advised that they do not report, or the creditor ( in this matter being the " Landlord ''.  I settled this matter before it even went to litigation, because I did not want my credit reflecting a judgment, and have been penalized for the last 6 years. I emailed the attorney again on  XXXX / XXXX / XXXX  and he advised that I need to co ntact the CBR agency b ecause he nor his clients can do anything about it.     Judgment recorded  XXXX  for {$4200.00} against another party

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.

Complaint:
I 've sent several letters to Midland Credit Management to validate debt they claim I owe, they have failed to send proper documentation to validate the debt they claim I owe. The last letter I sent was returned back to me as insufficient address, when there notices has the address on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

I'm reaching out regarding these fraudulent items for assistance to REMOVE them from my credit report immediately.

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: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.

Complaint:
I LOOKED ON MY CREDIT REPORT AND I SAW THAT THERE IS AN ALLEGED DEBT BEING PLACED ON MY CREDIT REPORT THAT I DID NOT AUTHOURIZE OR HAVE ANY KNOWLEGE ABOUT ITS FRAUDULENT PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT. I HAVE TRIED TO GET THIS ISSUE RESOLVED MULTIPLE TIMES I NEVER GOT THE RIGHT DOCUMENTS TO VALIDATE THIS ALLEGED DEBT SENDING AN INVOICE AND A COPY OF A LEASE IS NOT VALIDATION. I HAVE ATTACHED AN FTC REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
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 following collectors are in violations of my rights as an consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also FRAUDULENT INQUIRIES FROM ALL Credit Bureaus. I have provided an FTC identity theft report with the inquiries! 

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.

15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
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:
In XXXX, I requested and was granted forbearance on my mortgage loan with XXXX XXXX. Over the next several months, I received statements indicating that I was enrolled in the forbearance plan. Additionally, I received multiple e-mails informing me about the forbearance plan.

After a recent credit report was pulled, it was discovered that the company reported my mortgage as delinquent for 60 or more days. That is inaccurate as I was enrolled in the forbearance plan. Disclosures state that there would be no foreclosure or negative impact to credit reporting agencies during period of forbearance.

This is not the case and the loan company is unable to be reached via telephone to discuss this matter. It is simply a 1-800 number that is voice automated to answer a series of generic Q & A.

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 2018-04-07
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:
Hello, I am the holder of a XXXX XXXX  Business Credit Card Account. The account was opened using the tax ID of my business and a credit check using my social security number. The account was opened in XXXX and had a limit of {$5000.00}. 

I used the card a lot - but paid consistently over the past almost 4 years, paying hundreds of dollars off. 

In XXXX, XXXX I was out of the country on business. XXXX tried to contact me when the account was over 30 days past due. When I got back, I called them to set up a payment arrangement to get back on track with payments. 

The first payment did not go through. XXXX claims the funds were not available - but they were. Payment was for {$150.00} - I had over {$7000.00} in my other linked account. Usually XXXX   will post the payment then I transfer the funds over. In fact - they ALWAYS do this. This time, they did not. 

Instead when I called them they claimed the payment was presented 3 times. I was not made aware of this by XXXX. If so I would have immediately transferred the funds over to cover the payment. 

The second payment of the arrangement went through, but by then it was too late. XXXX closed the account ( I STILL have not received a formal letter or email informing me of this ) instead I found out when my credit score went down over 100 points because they reported this business account to my personal credit report. 

I believe XXXX is TOTALLY in the wrong about this. Their failure to communicate is unfair and unjust. My credit report - which has high balances held for a period of time but accounts are paid on time always ... went from close to a XXXX to a XXXX in one day. Also, because the account is now closed if I did want to pay off the entire balance and use it for my business again, I can not. 

I have been banking with XXXX for over 20 years. I am shocked at this treatment by them to a loyal customer who has banked thousands with them over the years. 

-XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
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:
After reviewing my credit reports, I noticed that there are several credit inquiries that I did not authorize. I have requested them to be removed several times now by certified letter asking them to provide me proof that they have permissible purpose to run my credit. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. The inquiries are still on my files and have not received any resolution. Their responses were inquiries are a factual record of file access, please call the creditor directly. I did not give anyone consent to use my information. I sent them a certified letter on three different occasions and they are not complying with the FCRA. 

XXXX inquiries are : XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX inquiries are : XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian inquiries are : XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 2022-07-01
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see verifiable proof, an original consumer contract with my signature on it, that you have on file for the accounts listed below. If you do not do this, I demand that the following accounts be verified or removed immediately from all 3 credit reports, XXXX account no. is XXXX... 
XXXX  account no. is XXXX .... 
XXXX  account no. is XXXX .... 
XXXX XXXX account no. is XXXX .... 
XXXX XXXX account no. is XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
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 have sent notices informing the credit reporting agency that the information they have on file is the result from identity thief, but they have refused to block the information and do a thorough investigation even though I sent a police report, reported from FTC and sent other correspondence to get this issue resolved. They have failed to remedy the matter and have not provided me of any documents which would verify why they would have these negative marks on my report which is causing economic harm. I have sent and recorded all correspondence that was sent certified mail for my record. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX  XXXX account # XXXX date opened XXXX account # XXXX date opened XXXX account # XXXX date opened XXXX address : XXXX XXXX XXXX XXXX, VA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.

Complaint:
I called Experians fraud dispute department on XX/XX/2021, around XXXX XXXX PDT. I spoke with a male agent named XXXX in the fraud dispute department located in XXXX XXXX. After I was fully authenticated, XXXX asked what I wanted to dispute. I told the XXXX I want to dispute two ( 2 ) hard inquiries because Im the victim of identity theft. XXXX then did an improper hold/transfer procedure. He transferred me to a different department without explaining why. I did not consent to being placed on hold nor to be transferred. He interrupted me with the transfer process. 
Then I was transferred to the membership resolution department for consumers who have a premium membership, however, I recently canceled my membership and do not want a resolution fraud specialist because they require a specialist to call me back in 24-48 hours. Why would I want to wait 24-48 hours to speak with a resolution specialist when I was ALREADY speaking with XXXX in the fraud department to file a dispute regarding two hard inquiries. The length of time to dispute two hard inquiries with XXXX would have been only a few minutes. I then called back and spoke to the fraud department and filed my disputes. I should not have to be required to call back to file a simple dispute a second time. This is unfair and abusive practices.

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 2022-11-22
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: Experian Information Solutions Inc.

Complaint:
I have attempted for the past 2 years ( XXXX present day in 2022 ) to obtain a copy of my XXXX credit report by either submitting ( 1 ) several formal written requests via XXXX, ( 2 ) several formal written requests directly to XXXX, and ( 3 ) even signing up for the XXXX XXXX XXXX XXXX XXXX all to no avail. Each and every time I attempt to obtain a copy of my credit report or otherwise attempt to access my credit report online, the XXXX website renders an error message that my report can not be obtained via the online request. Regarding my written request, XXXX has either remained wholly unresponsive or has otherwise sent me a letter stating that my report can not be provided, and this is despite the express fact that I have provided all necessary documentation to verify my identity. I have had only minimal access to my report through third party credit monitoring apps like XXXX XXXX and XXXX XXXX, but they are not complete files. XXXX has even suspended my credit monitoring service altogether. I suspect that XXXX is engaging this pattern and practice of fraud and bad faith business practices because I have filed complaints against them before. Their conduct is unlawfully retaliatory. I have also not had access to manage my freeze that I added prior to the pandemic.

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 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
I have no idea how these people could open an account without me being there. They have showed me no proof that I was there ( I was not, I was hundreds of miles away ).

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