hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-02-28
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: CORELOGIC INC

Complaint:
This bureau has been putting information incorrectly and unverified including listed below : RE : XXXX XXXX Date opened XX/XX/XXXX Balance {$1600.00} RE : XXXX XXXX Date opened XX/XX/XXXX Balance {$9700.00} RE : XXXX XXXX Date opened XX/XX/XXXX Balance {$24000.00} RE : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$9800.00} RE : PXXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance {$5200.00} RE : XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance {$12000.00}

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 explanation
Consumer complaint received 2020-12-03
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: Experian Information Solutions Inc.

Complaint:
Hi XXXX  ; and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2019-01-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.

Complaint:
XX/XX/2018 : Rate Reduction program agreement for 6 months XXXX XXXX XXXX : XXXX payment XXXX XX/XX/2018 : XXXX payment XXXX XX/XX/2018 : XXXX payment XXXX XXXX XXXX : XXXX payment XXXX XXXX XXXX : statement received for XXXX for last of 6 payments. Amount deducted from account was XXXX. Navient stated the agreement had ended. I violated the agreement. I failed to renew in 6 month time frame. Interest rate was increased to 7.5 % In an attempt to discuss and review this issue Navient is stating I was aware of this increased deduction and agreement violation without Navient ever contacting or providing a statement indicating the amount due was more than the agreed XXXX or that the 6 month contract had ended before the 6 month term

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.

Complaint:
Im am going to a health issue which is causing me to having financial hardship and not able to work. However the vehicle is broken and not drive-able due to coolant tank being blown the total cost for the vehicle to be fix is XXXX dollars that I dont have due to me not able to work, while receiving non stop calls after hours pass XXXX and receiving calls early morning before XXXX XXXX which is a violation of the FDCPA also stated on you guys website as well that I should not receive any calls however I do as reported previously but I also have been threatened that the vehicle will be repossessed.

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 2017-11-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.

Complaint:
XXXXComenity Bank They will start calling first thing at XXXX then the calls are repeated every hour or numerous times each hour. I would say it started on XXXX. I have tried to talk to the company and let them know when I would send a payment in but the phone calls wont stop even though I have spoken to a representive, Im just like I just talked to someone from the company why are they still calling non stop. I know Im over due with my account/ Bill but now the calls are becoming harassing/ annoying in where I cant sleep.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC

Complaint:
On or around, from XXXX - XXXX I saw a lot of preapprovals on credit XXXX, at first i didn't pay it no attention, but credit XXXX kept sending me all kinds of preapprovals telling me that I was pre-approved for credit cards, personal loans, and that I can refinance my car. every day I would see these offers every time I logged in to check my credit scores. so, after a few months of being told that I was preapproved I thought I was known in the perfect place. I got so many offers, though credit XXXX, I started telling my whole family about investments and vacations we were going to use these preapprovals for. So, I applied on or around sometime in XXXX and I got denied for two credit cards and a personal loan. I was distraught and I was very angry, and I felt deceived. I was marketing to for months, so Credit XXXX told me I was preapproved, this was a lie. 
I was severely stressed out, a was XXXX for weeks, I had migraines so bad I became I became antisocial. My anxiety went from XXXX, now every time I see preapprovals, I immediately close my phone and shut my computer off. This has made me so uneasy and anxiously I have checked my credit as frequently as I should.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
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: ProCollect, Inc.

Complaint:
I filed a dispute in regards to incorrect items on my credit report. It has been over 30 days and I have yet to receive my investigation results. I demand that these items be deleted at once from my credit report as this has caused XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TOYOTA MOTOR CREDIT CORPORATION

Complaint:
On or around XX/XX/XXXX my wife and I applied for credit at Toyota of XXXX ( Texas ) with salesman named XXXX who we specifically told we only wanted our credit ran once. Instead XXXX ran both of our reports a total of fifteen times with fourteen different banks. All of these hard inquiries resulted in both of our credit scores plummeting and not being able to qualify for a vehicle loan anywhere for years. 

On XX/XX/XXXX I decided to try once more with the same company because I really wanted a Toyota and unfortunately was given XXXX yet again as a salesman. I expressly told him very emphatically I only wanted my credit ran ONCE, but instead he ran it five times against my will further ruining my credit where I can no longer get a vehicle loan anywhere on favorable terms. I asked him and his general manager, XXXX XXXX to fix the problem but they refuse, even lying to me by saying all of the hard inquiries during a given period only count once, which I proved wrong by emailing them screenshots of my credit report clearly showing all twenty hard inquiries that were individually made by each bank they illegally submitted me to since XX/XX/XXXX. I have received no response from either of them. My credit is ruined because of their illegal and unauthorized actions which violate the Fair Credit Reporting Act. I would like justice to be served upon Toyota of XXXX, XXXX XXXX ( General Manager ) and XXXX ( salesman ) and all of the unauthorized illegal hard inquiries to be removed except for the ones that were legitimately allowed, which are two.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A.

Complaint:
I am writing to inform that WELTMAN, WEINBERG & REIS CO., LPA is a debt collector and Congress has made it known in the Fair Debt Collection Practices Act ( 15 USC 1692 ) that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors including WELTMAN, WEINBERG & REIS CO., LPA. WELTMAN, WEINBERG & REIS CO., LPA decided to infringe on my personal privacy to communicate with me without my prior consent pursuant to 15 USC 1692c ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
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:
XXXX 's failure to positively post an accurate payment history to the 3 Credit bureaus has hurt my ability to obtain credit. I have never been late on my XXXX XXXX credit payment account and my account has been paid in full. 

Under the CARES Act, passed by Congress in 2020, I soughed payment relief from XXXX because I was affected by the pandemic from XX/XX/XXXX to XX/XX/2020. Moreover, I was able to pay my account on time and in full and still XXXX reported my account 30 days late on XX/XX/2020. 

I have been wrongfully denied credit recently due to inaccurate information reporting from XXXX to the 3 Credit Bureaus. XXXX failure to correct inaccurate reporting is a violation of the Federal and California Fair Credit Reporting Acts, among other laws

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
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: Exeter Finance Corp.

Complaint:
The credit reporting system is dependent upon my consumer report displaying fair and accurate information. OnXX/XX/2021 - EXETER FIN Account Number : XXXX added a derogatory mark on my credit report per XXXX. This information is completely inaccurate, also is a violation and unfair to me because I was never notified when the inaccurate information was furnished and I was never notified when during the agencies initial investigation that they were going to report the information. This grave error by EXETER FIN has undermined my confidence in the companys procedures. This company is a powerless elaborate mechanisms and this mishap that this company has caused has ruined my reputation and adversely affected my credit worthiness. This company assumed this role and was not given expressed permission by me the consumer, or a competent court of jurisdiction, so not only did this company fail in the initial investigation of this information. They also assumed this role, and assumed this inaccurate information was valid. Which is a violation of my consumer rights. according to the FCRA EXETER FIN has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
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 recently ordered my consumer report from annualcreditreport.com. Upon arrival, I noticed that TransUnion has placed a total of 25 inquiries/accounts on my consumer report that violate FCRA federal laws. I sent in my identity theft report and demanded that all 25 inquiries/accounts be blocked and removed from my report because, I, the consumer and natural person, did not consent to, authorize, nor benefit from any of those inquiries/accounts. Every inquiry and account that I sent them are violations of the following sections of the FCRA. 15 USC 1681 ( a ) ( 4 ) ... 15 USC 1681 ( 2 ) ( a ) ( i ) ... 15 USC 1681 ( 2 ) ( b ). It's also another violation because I never gave TransUnion my written permission to furnish any of those 25 items on my consumer report. As a consumer, I am demanding that all 25 be removed. I sent the company certified mail, so I know when all of the information was received. I have proof of my entire consumer report. I have proof of certified mail with all documents that I sent to TransUnion. I have proof of when they received the documents.

1. The request to block was not made in error.

2. The request to block was not based on material misrepresentation.

3. I, the consumer/natural person, did not consent to, authorize, or benefit from any of those accounts/inquiries. If I received goods or services, I need them to have a senior executive certify under the penalty of perjury that I have in fact received goods or services as a result of any of those transactions.

Please be aware that I am very familiar with the FCRA laws that govern TransUnion and the rest of the consumer reporting agencies. I know that TransUnion is now civilly liable for all violations under the FCRA federal laws. Under the civil section the amount per violation is {$1000.00}. I am demanding compensation for those violations.

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 2022-10-12
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:
In XXXX of 2022 I submitted a validation request to XXXX XXXX. I Never received a response. I then sent Transunion a letter to either validate the alleged debt or remove to it. Transunion did nothing. This is an FDCPA Violation, FCR Violation and HIPAA violation. Ive included the correspondence as well as the 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 2022-10-23
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: EQUIFAX, INC.

Complaint:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX. XXXX & XXXX ( XXXX XXXX. XXXX, XXXX, Balance : {$150.00}, Criginal Creditor Name XXXX XXXX ), XXXX. XXXX & XXXX ( XXXX XXXX. XXXX, XXXX, Balance : {$380.00}, Original Creditor Name XXXX XXXX ), XXXX. XXXX & XXXX ( XXXX XXXX. XXXX, XXXX, Balance : {$170.00}, Original Creditor Name XXXX XXXX ), XXXX. XXXX & XXXX ( XXXX XXXX. XXXX, XXXX, Balance : {$510.00}, Original Creditor Name XXXX XXXX ), XXXX. XXXX & XXXX ( Opened XXXX XXXX, XXXX, Balance : {$350.00}, Original Creditor Name XXXX XXXX ), XXXX. XXXX & XXXX ( XXXX. XXXX, XXXX, XXXX : {$180.00}, XXXX XXXX XXXX XXXX ), XXXX. XXXX & XXXX ( XXXX XXXX. XXXX, XXXX, XXXX : {$550.00}, XXXX XXXX XXXX XXXX XXXX ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.

Complaint:
In 2017 I went into the store to make a purchase. I purchased merchandise that had to be ordered from XXXX a ladies store in XXXX XXXX, Il. when the merchandise arrived I was notified and went to the store and had the items returned by the store clerk. Before the items arrived at the store I was billed. When I had the store return the items I thought I would get a credit. I have been receiving bills with late charges and the account has been turned over to a collection agency. I have had numerous conversations with the store and I have spoken to XXXX the collection agency about the return. I continue to get a bill from XXXX and harassing phone calls several times a day from XXXX. I have no merchandise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-01
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK

Complaint:
Discover Student Loans has misreported or duplicated hard inquiries to XXXX causing an error on my credit report. A hard inquiry was reported on both XX/XX/XXXX and XX/XX/XXXX by " XXXX XXXX XXXX ''. I requested that they please correct this mis-reporting as there is no reason for there to be hard inquiries run on consecutive days and this impacts my credit score. 

XX/XX/XXXX : Initially reported to Discover via online account message system. 
XX/XX/XXXX : Received feedback from DSL that they do not show the two hard inquires reported. They required a copy of my credit report. 
XX/XX/XXXX : Provided screen shot of data on credit report as requested, via XXXX. 
XX/XX/XXXX : Received response that they have received the provided document. 
XX/XX/XXXX : Requested status update. 
XX/XX/XXXX : Received response that additional time was required to review the issue. 
XX/XX/XXXX : Requested status update. 
XX/XX/XXXX : Received response that additional time was required to review the issue. 
XX/XX/XXXX : Requested status update.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance Corp.

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy 15usc1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b A creditor may not treat a payment on a credit account under an open end consumer credit card plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA

Complaint:
In XX/XX/2018 I received a minor bump in pay. I did the right thing and asked XXXX to recalculate my monthly payment. Their website and recalculation application failed to mention anywhere that they would recalculate monthly income based on a person 's regular pay but also any overtime earned that month. My monthly payment amount skyrocketed. 

I contacted an agent who told me to resubmit using my tax return. I received no response after doing this. I called again and another agent informed me that the prior agent 's information was incorrect. They advised that I needed to wait until I had a paystub that didn't have overtime and resubmit again. 

In late XX/XX/2018, I resubmitted a new paystub for recalculation. I then received two letters less than two hours apart that contained two different recalculation amounts. No explanation was provided in either letter. I emailed and received a response on XX/XX/2018 indicating that the first letter was based on the income tax recalculation which was incorrect. The second letter was for the correct amount. 

On XX/XX/XXXX & XX/XX/XXXX I again received two letters with different recalculation amounts and no explanation for why I was receiving either one. I emailed multiple times and received no response. I just spoke to another agent and was told that the response from the agent on XX/XX/XXXX was incorrect, that this 3rd letter I received was an error and now the 4th letter with an even higher amount was correct. 

XXXX needs to improve their transparency with customers, their communication, and train their agents better.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.

Complaint:
I was contacted by Navient by email about a payment due of XXXX on XX/XX/XXXX. The total due was XXXX plus interest ( XX/XX/XXXX ). Since that time I've been trying to find out why I suddenly owe this money. My loan was completely paid off and I received a letter of this on XX/XX/XXXX. Not one person out of the multitude I've spoken to from Navient and myeddebt.ed.gov can show me exactly why I now owe this money. I've searched the websites off both companies logged in under my account and I don't see anything to support what little information I have gotten from them. I've searched my bank records for anything to show what they are saying is why I owe. I've provided those records to them to show that they're wrong and was told I still owe. I will pay this amount if they can show that I absolutely owe this. But they have yet to do this and are still harassing me saying that I am behind. Also you can't contact the Department of Education directly to dispute. They just auto transfer you back to the debt collector.

Company response to consumer: Closed with explanation