hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX, XXXX  & Transunion is reporting false information on my credit report. I have requested verification and they continue to violate my rights. I recently submitted a request for investigation of an XXXX XXXX XXXX  XXXX Acct Number # XXXX & XXXX XXXX Acct Number #  XXXX, which In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? since you obviously did not investigate this account thoroughly enough the last time I submitted one. If you had investigated properly, rather than use your e-Oscar system. I find this particularly interesting because they made their decision based off of the Name and Address. Ive attached my recent Equifax dispute results along with CFPB complaints and responses against both XXXX XXXX XXXX and XXXX XXXX. 

Cfpb complaint XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX   complaint XX/XX/XXXX XX/XX/XXXX It is at this time that I will point out that in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. 

If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of this matter

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 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AmeriCollect

Complaint:
XXXX XXXX Reported : XX/XX/2019 {$230.00} AMERICOLLECT INC Reported : XX/XX/2019 {$130.00} There  are no contracts, no valid claim ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX. XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
The XXXX XXXX XXXX account on my Experian credit report is inaccurate, I was never late on my payments, delete the 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 2022-03-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION

Complaint:
Toyota Financial Services ( TFS ) has been attempting to draft payments for a vehicle that has been paid off/account closed for the last 3 months ( Pay off date XX/XX/2022 ). After consulting TFS, I canceled autopay, prior to payoff, and even closed my TFS online account as an attempt to resolve the continued billing on a closed account issue. Considering I have taken all available steps a consumer possibly can, I am referring this issue to XXXX, as well as the FTC and CFPB for review/resolution. 
Note : A review of XXXX  records will show this is a systemic issue with TFS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have quiet of few accounts, Inquires and addresses on my reports from all 3 credit bureaus and have disputed everything I have talked to them over the phone multiple times times and just got the run around every time and they say everything is verified which I don't know how even the information on the accounts that I know are mine the information is incorrect and they won't help me so here in my complaint and am now prepared to take further action.

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 2022-06-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.

Complaint:
XXXX XXXX, and ( XXXX XXXX Management Services Incorporated. 

Congress has limited the use of consumer reports to protect consumers ' privacy. all users must have permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Section 604 contains a list of permissible purposes under the law. ( FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. ) These are : As ordered by a court or a federal grand jury subpoena. Section 604 ( a ) ( 1 ).

As instructed by the consumer in writing. Section 604 ( a ) ( 2 ).

For the extension of credit as a result of an application from a consumer, or the review or collection of a consumer 's, account. Section 604 ( a ) ( 3 ) ( A ).

For employment purposes, including hiring and promotion decisions, where the consumer has given written permission. Sections 604 ( a ) ( 3 ) ( B ) and 604 ( b ) for the underwriting of insurance as a result of an application from a consumer. Section 604 ( a ) ( 3 ) ( C ).

When there is a legitimate business need, in connection with a business transaction that is initiated by the consumer. Section 604 ( a ) ( 3 ) ( F ) ( ii ).

To determine a consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status. Section 604 ( a ) ( 3 ) ( D ).

For use by a potential investor or servicer, or current insurer, in a valuation or assessment of the credit or repayment risks associated with an existing credit obligation. Section 604 ( a ) ( 3 ) ( E ).

For use by state and local officials in connection with determination of child support payments, or modifications and enforcement thereof. Sections 604 ( a ) ( 4 ) and 604 ( a ) ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
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: Phoenix Financial Services LLC

Complaint:
{$2000.00} they say I owe for medical when I have been getting social security since 2000 ... this is a dilemma that ones pull when me and my wife separate every time they used my credit to destroy my dignity and self XXXX.phoneix financial services ( XXXX ) XXXXthat is the company along with their number.Im XXXX  and this is bringing on another XXXX of my XXXX  condition. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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. 

XXXX Name : XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX Employers : XXXX EMPLOYEE XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : DEPTEDXXXX XXXXXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX DEPTEDXXXX XXXX Experian Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXC XXXX DEPTEDXXXX XXXXXXXX Equifax Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employers : XXXXXXXX XXXX XXXXXXXX XXXX XXXX & XXXX XXXX XXXXXXXX Collecons : XXXX XXXX DEPTEDXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
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:
Hello I cant access my credit report like whatsoever my son is XXXX  and my id is attached to this complaint im submitting. I pulled my credit from another source outside of Equifax and there's was nothing, zilch, notta showing. I hope with this sensitive information I've attached Equifax will be able to submit me a credit report. I would also like to regain Equifax to www.myequifax.com I haven't seen my report on the website in years. Nor have I been able to access it from Equifax website or annual credit report.com please help thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
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: EQUIFAX, INC.

Complaint:
I sent XXXX, XXXX, and Equifax 2 letters asking them to update my personal information and they still haven't updated my address and name because I no longer live at any of the addresses or I have never lived at them so I am unable to receive my mail.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

I demand a deletion of all personal identifiable information from my consumer report with the exception of : my name : XXXX XXXX Address : XXXX XXXX XXXX. XXXX, XXXX XXXX This is my only name and my only address

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION

Complaint:
1 ) Last summer when I 1st opened up the account they had misspelled my name 's on my ATM cards at this Regions Bank and then the 2nd card they mailed to a false address I went quite a few days and weeks without a functioning ATM card.

2 ) Last XXXX  I had my entire bank account wiped clean from an online predator and I filed reports with the FBI and the police department and Regions Bank never refunded my money and they're supposed to be FDIC insured 3 ) And lastly and without just cause I deposited a check last Friday they're saying they're holding it for over 2 weeks and they will not give me the reason why I am in serious financial  hardship and now because of the Corona virus not being able to work are having an income it's really put a stress on my day-to-day life eating gas and my bills I have filed several complaints with multiple agencies as well as the bank but they will not do anything about it they wouldn't refuse to give me back my check and they refuse to deposit the money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL

Complaint:
Every month synchrony bank report to every credit report agency ( XXXX, XXXX and XXXX ) that payment is due, late or delinquent on payment. Company Reporting late payment on credit report are illegal : under 15 U.S. Code 1681a ( 2 ) Exclusion consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report. Meaning everytime synchrony bank report a late payment on consumer report is a violation of {$1000.00} under 15 u.s.c section 1681n

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 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
I have sent disputes regarding the attached matter and have not been provided the desired remedy nor was I provided specific documentation requested to validate that a proper investigation was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
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 declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. I'm the person who is writing this letter. Further, I certify that I am permitted by FEDERAL and STATE LAW to file a dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATIONS. The items found within my credit report that I listed 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXXXXXX XXXX XXXXXXXXBalance Owed : {$2100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
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:
Equifax got hacked and now sites such as XXXX XXXX XXXXXXXX are telling me my identity and credit information could have been compromised as part of the hack/breach. This creates unnecessary anxiety, worry for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.

Complaint:
Chase refuses to process our payments to our Southwest Rapid Rewards card in a timely fashion. Shortly after opening the account, we attempted to make a payment while traveling and must have made a typo because the payment was returned. We corrected the error within 48 hours and have made several payments since that time. Despite making payments, having good credit, and having a verifiable account with sufficient assets, Chase continues to place holds on our payments for 1-2 weeks. When we initially contacted Chase, a supervisor told us we could set up direct pay from our bank to resolve the issue. We did this, and Chase started holding those payments just as the prior ones. We were then told by another supervisor that the only way to make timely payments is to take cash to a Chase location ( in 2022 ). This makes the card unusable as a travel card, and we weren't able to even purchase XXXX tickets on a XXXX sponsored card because Chase hasn't processed a payment from over a week ago despite the funds being shown drawn from our account at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Hello, I have submitted TWELVE ( 12 ) WRITTEN disputes with all XXXX major credit bureaus ( XXXX, XXXX and TransUnion ) multiple times with NO response on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Certified Mail ) XXXX XXXX XXXX XXXX I even sent the letters via Certified Mail on XX/XX/2021 and it shows the letters were received by each individual credit bureau yet I STILL have not received any responses to my Dispute requests. There are multiple Errors on my Credit Reports and after MANY attempts, they will not help me or respond to my written disputes.

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 2020-11-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY

Complaint:
I obtained a used car loan from TD Bank with and they had my address incorrect for the first 3 months of my loan period. I called numerous times, tried to set up auto pay and I paid {$1200.00} last month. My payment of only {$590.00} and somehow I was charged another {$57.00} in late charges? I am only on my 6th payment and I am fairly certain I have been charged the same fee EVERY TIME. I called on a Saturday ( my day off ) and begged! to speak with a Supervisor because I have a 100 % on time payment history and work with everyone I have debt with to pay on time so this is no different except they will not take responsibility for dropping the ball. I'm looking at my statement and none of it makes sense. The statement date is XX/XX/XXXX but my payment is due XX/XX/XXXX. The statement doesn't tell me my interest rate, why or when the fee was charged or what the billing cycle even is. How have statements evolved to provide NO IMPORTANT information. The statement date is the XX/XX/XXXX but I got it today, XX/XX/XXXX which gives me 12 days to make a payment or get charged 10 % as a late fee?? I demand all of the fees be credited to my loan because I asked for a supervisor to call MONTHS ago and no call. I have no way of resolving this if the person I am talking to has no authority and nobody follows up with you forcing you to CALL AGAIN. I told her there is no difference to me to pay on XXXX or any other day of the month so why would I take a late fee. I am barely scraping by because I have made no money this year so why would I pay 10 % fees on loan I was told I can't refinance even though the rate on this loan is 7 %! They say they are about customer service but I have gotten no help, empathy or support while I try to resolve this. Again, I pad {$1200.00} on XX/XX/XXXX and the current amount due dated XX/XX/XXXX should a assessed late charge. I've basically paid {$360.00} EXTRA in fees. They don't even tell you how much you pay in interest.

Company response to consumer: Closed with monetary relief