hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2015-03-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Health Care Financial Services, Inc.

Complaint:
i verified that the debt was wrongly billed to me with XXXX hospital and they stated it should have been removed in XXXX and that it would be removed. they stated this on XXXX/XXXX/XXXX. i just checked and it still remains on XXXX/XXXX/XXXX on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COMMUNITY CHOICE FINANCIAL, INC.

Complaint:
My wife has been receiving calls from  XXXX   XXXX   XXXX  ( account #  XXXX   ) a cting on behalf  of Cash Central on an a lleged debt that I owe. The issue is that I have NEVER taken out a loan with them. They advised that there are no stores in the  XXXX   XXXX  area where I reside, so this payday loan would have been done online which I can promise I did not do. I have been given the run around and feel that I have not been given enough information to dispute this debt. I also have not received ANYTHING in the mail from these people. When I asked  XXXX   XXXX   XXXX  for the address of Cash Central, I was told the first time that they could not locate it and the second time that their system was frozen. I was only able to obtain an account number ending in  XXXX . They also stated that the individual that obtained this loan put down their place of employment as  XXXX   XXXX , which I worked there, but not in  XXXX  when this loan was allegedly obtained as I have been employed with  XXXX  for 7 years. I was finally able to find a phone number for Cash Central and address (   XXXX   XXXX    XXXX ,  XXXX , OH  XXXX , ph #  XXXX  ). I followed the prompts, opti on 1,   opt ion 1 again, then option 2 for  past due status and then it hangs up each time. I had to find another way to get thru by constantly pressing zero, in which I waited on hold for a go od 25 minu tes to only get some new person that advised me that they were unable to release their corporate address, just the billing address to send payments per her supervisor. She then advised that the account was taken over by  XXXX   XXXX ,  XXXX . I called them and they told me that the account was recalled back by  Cash Central   X/X/2014  and they misdirect calls to them all the time. Me and my wife are in the process of building a new home, and I WILL NOT keep dealing with these people, and I definitely wo n't be calling them back a 3rd time just to wait on hold for another 25-30 minutes to get someone on the line just to give me the run around again. I need some help here please!!! This is not my debt and I have not been given the proper information to dispute it. In my opinion, they have the burden of proof, not me. My social is  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.

Complaint:
XXXX/XXXX/XXXX : I paid XXXX $ and immediately on the same day the payment was reversed. 
XXXX/XXXX/XXXX : I paid XXXX $ and immediately on the same day the payment was reversed. 
XXXX/XXXX/XXXX : I paid XXXX $ and immediately on the same day the payment was reversed. I called Navient about the payment and submitted over the phone. 
XXXX/XXXX/XXXX : I paid XXXX $ and immediately on the same day the payment was reversed. I am now filing a complaint because m loan has grown by nearly {$200.00} in value which would have been avoided if the payments have been processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.

Complaint:
we have been trying for a very long time to get thing removed from mine and my husbands credit reports. We got letters from the court house and put a freeze on our  XXXX  account  on   XXXX   XXXX  , 2017. I then sent a letter to Equifax asking them to verify bankruptcies on our accounts, and th en on  XXXX   XXXX  ,2017   we receiv ed a letter from Equifax saying that they have verified the information with  XXXX . I contacted  XXXX  and they said that no one has contacted them to verify any information in that time frame and where there is a freeze on the account that they would not have shared any information. I contacted Equifax on  XXXX   XXXX ,  2017 and  they said that they do n't use  XXXX  and I told them that on the letter they sent me that it says that they did. Then they tried to tell me that they got it from the court house and I told them that I have a letter from the court house and they do n't do that. The gentleman then said let me recheck, he got back on the line and said all that we could do was to file for a dispute. I have the whole conversation recorded on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial

Complaint:
I paid a monthly amount of {$99.00} to Ameritech Financial thinking it was going towards my student loan debt, unfortunately it wasnt. I was told if I pay this amount for 10 years then my student loans will be forgiven. Every service they provided me I was already doing on my own, I honestly thought my low monthly payments was paying my student loans. The monthly payment was for their service and I was not aware of this. I began payments in XXXX XXXX and they just stopped in XXXX XXXX because the FTC made them seize all operations. So, I haven't even had the time to close my case with them. The money I paid to them could have been going towards my student loans and I am very distraught about this.

Company response to consumer: Untimely response
Consumer complaint received 2020-11-14
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'm a victim of identity Theft i did not give any Consent to anyone to open these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
Enclosed/Attached is a copy of my original dispute letter I am writing this due to non-compliance with Credit Reporting Agency Experian They failed to conduct a proper investigation in accordance to FCRA guidelines I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law Because in my dispute letter to the CRA dated XX/XX/XXXX. Inaccurate Items disputed XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. Basic dispute reason : remove this account because it shows the date of status didn't change/update, this irrefutable proof that no investigation was done ina previous dispute ... delete immediately However in the CRA dispute results report they claim the items was verified as accurate but how could this be? when the date of status or DOS didn't change/update after the investigation was done, this proves that no investigation was ever done because the date of status or DOS didn't change. DOS didn't change/update even though the CRA claimed that the inaccurate items reporting on my credit report was verified as accurate and their investigation is complete, but the DOS didn't change to be a current updated date as per FCRA. 

It is to be noted that prior to my dispute with the CRA, inaccurate items XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX date of status or DOS was ( XX/XX/XXXX ),  XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX  XXXX XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX date of status or DOS was (XX/XX/XXXX ), XXXX XXXX XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX date of status or DOS was ( XX/XX/XXXX ) After what is known as an investigation that was conducted and completed by the CRA, my dispute results from that investigation shows the DOS didn't change/update.

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 2023-06-19
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'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 2022-03-08
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation 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 2021-06-19
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:
I went onto XXXX this evening to pull all three of my credit reports. It only allowed me to pull the XXXX ( which showed my old address from a year ago ( XXXX XXXX XXXX XXXX  XXXX, IL XXXX ) as my CURRENT address which is actually ( XXXX XXXX XXXX XXXX XXXX IL XXXX ) on their main screen that has you enter your email and phone number after you log in, but won't allow you to fix the address or name! Then once I got past this the actual report had my current address showing correctly in XXXX, IL and Equifax which had tons of old accounts that have been paid off from my student loans from the past from eleven years ago ( they are suppose to remove old accounts after seven years ) on top of this they have all been paid perfectly but they only show X 's on most months except for a couple, then when I clicked the next button to go to the XXXX report it said they were having technical difficulties and would not allow me to view it!!! I tried it twice, same thing!! When you are guys going to MAKE these credit reporting agencies tow the line and follow the laws??? They of all people should NEVER have an error of any kind on a report on ANYONE, they are the only ones holding all of our personal information!!! If they are that incompetent or LAZY that they can not do their jobs, they need to all be fired and the businesses SHUT DOWN with huge fines applied to them!!!! We don't even need them, this country got by much better when these idiots were not screwing up everyone 's financial lives by misreporting their personal information on a daily basis!!!! Make them fix these errors too and I want my XXXX report and a copy of Equifax and XXXX too once all is corrected and the online versions had better match the paper versions they send me and the CFPB because I WILL contact my lawyer and sue them if they do not!!!!! I will ALSO sue them for any health issues like my XXXX XXXX they are causing to go up and all the stress and wasted time I have spent having to write letters, file complaints and analyze and fix their XXXX errors!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
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: Experian Information Solutions Inc.

Complaint:
I took a look at my credit report only to find out that someone has opened a XXXX XXXX Bank charge account. That was opened on XX/XX/2022. This is not my credit card account. Someone is using my identity to obtain good and or services without permission from me.

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 2023-04-28
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:
In accordance with the Fair Credit Reporting Act these companies have violated my rights. 

XXXX XXXX # XXXX. 
XXXX XXXX # XXXX. 
XXXX XXXX. # XXXX. 
XXXX XXXX XXXX # XXXX. 
XXXX XXXX # XXXX. 

I have a right to privacy. 
15 USC 1681 section 602A states I have the right to privacy.

15 USC Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX  Account # XXXX 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 : Also states a consumer reporting agency can not furnish an account without written instruction or consent. Provide proof of written consent or remove the item from the credit report.

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 — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
While reviewing an updated copy of my credit report, I discovered that these inquiries are reported. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 2023-07-06
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
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:
XXXX XXXX XXXX XXXX has reported a {$150.00} medical debt that I have told the creditor is invalid as it was billed under the same code on the same day by the same doctor so insurance will not cover that submission. I did pay the doctor office for the procedure and the code. I was not paying twice for one procedure. The creditor and doctor said they don't need to fix it. I am submitting insurance documentation.

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 2020-04-05
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$480.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$480.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

-- AUTO ACCOUNT -- 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-04-03
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 paid off XXXX XXXX XXXXXXXX. And Experian lowered my score. 

I still see old info from XXXX XXXX that I have not made payments. XXXX! It is paid off! Title is in there as proof!

Experian lowered my scores many times lately. 

Experian accused me for not making any payments when I already had paid on time using autopay with XXXX. Insurance policy was changed from XXXX  to XXXX. Experian accused me for not paying anything. 

Experian so lowered my score after EXPERIAN SUGGESTED ME TO use their matched credit card to boost my score. It backfired and then Experian lowered my scores way down! XXXX off!

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 2022-02-07
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: Genesis FS Card Services, Inc.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
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: Experian Information Solutions Inc.

Complaint:
Consider this as a follow-up complaint to my previous complaint dated XX/XX/2023. 
The accounts that are erroneous in my file must be removed due to their inaccuracies Here are the aforementioned accounts : XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXXXXXX balance {$62.00} These accounts are inaccurate and fraudulent. Im seeking Litigation. Please delete them at once.

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