hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX  Date of Inquiry XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14
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 contacted the bureaus and there is unverified debt on my report that's not mine. I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) SW 715.719. I Presume that no proof of the alleged debt, nor therefore any such debt exists. 

Here is the item : XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
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:
Improper use of credit reporting information. Which is against the Law.

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 2018-11-07
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: Mar Joe Enterprises

Complaint:
On XX/XX/XXXX, I had XXXX with anesthesia services being provided by XXXX XXXX XXXX, XXXX ( XXXX ). After my insurance paid their portion of the charges, I was billed by the anesthesiology group on XX/XX/XXXX for the balance due of {$49.00}. This amount was paid on XX/XX/XXXX by a bill pay transaction ( check # XXXX ) which cleared my checking account on XX/XX/XXXX. 
In early XXXX of XXXX, I received a notice dated XX/XX/XXXX from XXXX, XXXX, a collection agency in XXXX, TN, which advised that I could " ... dispute the validity of this debt ... within 30 days from receiving this notice ... '' On XX/XX/XXXX, I provided a written dispute along with a copy of the check with which payment was made. Assuming the matter was resolved, I took no further action. 
In late XXXX of XXXX, my wife visited XXXX XXXX XXXX in XXXX, TX to start the application process for a mortgage loan, but she was told that, due to a medical collection judgement against me for {$49.00}, our mortgage interest rate would be one-quarter of one percent ( 0.25 % ) higher than it would have been otherwise. While this does not seem to be very much, over the course of 30 years on a {$200000.00} mortgage, the additional cost to us would be in the neighborhood of {$15000.00}. 
After receiving this news, I disputed the non-payment through the credit reporting agencies, but XXXX, XXXX simply confirmed the judgment against me was valid and declined to correct my records. Hopefully, you will be able to assist me in getting the false reporting corrected and get my credit rating cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number XXXX, XXXX Account number XXXX, XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE

Complaint:
On XXXX/XXXX/2022, I deposited, through the mobile app, two small checks from my small business account to my personal banking account for ~ {$1500.00}. XXXX notified me after the deposited that there would be a hold placed on the two deposits for 1 week - inconvenience but fine. 

The next day, XXXX places a hold on my entire account, locking me out of online banking, blocking any transactions ( regularly scheduled bills ), denying me access to my funds already in the account. 

On XXXX/XXXX/2022, I called XXXX customer service and they confirmed they locked my account due to the check deposits. And thats just how XXXX does it. 

I have never been accused of depositing fraudulent checks, nor do they say these two checks are fraud. They are unilaterally blocking my account without ever accusing me. Minus the absolute inconvenience as I prepare to travel, this will eventually cause me to gain returned bill payment fees for things already scheduled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: SANTANDER HOLDINGS USA, INC.

Complaint:
I have spoken on the phone with this debtor a month ago and informed them that I have every intention on paying off the remaining debt over time, but I can't pay the entire amount in one lump sum because I am playing catch up with other bills at the time. I did verbally inform them that I can make chunk payments periodically to get the balance down until I'm in the position to pay off the remaining balance in one payment. However, I get calls from them every other day as if I wasn't already aware of the debt. This is a very abusive and aggressive tactic they are using to collect the debt and it's very aggravating. I am making strides towards paying off the balance but there is no need for this approach. Thanks, and hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL

Complaint:
I pay {$97.00} since XX/XX/2020, for the last 17 months. This debt should be paid off this month. XXXX is saying that I owe them {$390.00} because I have been late on payments and have missed payments. The payment is due the XXXX of every month and it has NEVER been late to them. I have all my banking records to prove this as well as I logged onto my XXXX account. The account I logged into showed missed payments and every single payment being late. I discovered all this when I was trying to figure out how much I owe them because they have not sent me one statement in 17 months or ever for that matter. Please assist me in this matter. It it's not fair when someone is trying to do the right thing and do everything this company ask and then they put me in a category with being late and missed payments. It's absolutely ridiculous and I would like to see it corrected and I called their customer service department and they really didn't seem to care!

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 2022-07-28
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: Nelnet, Inc.

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and delete from erroneous reporting in my file are listed on my credit report : DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXXXXXX XXXX, DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXX XXXXDEPT OF EDXXXX XXXX XXXX DEPT OF ED/XXXX XXXXDEPT OF EDXXXX XXXX, DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXXXXXX XXXX XXXX DEPT OF ED/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX is still reporting to my credit as a chargeoff. However the payment was settled on XX/XX/XXXX and I received a letter on XX/XX/XXXX that they would request for the tradeline to be deleted from all credit reporting agencies. However it's still be reported and does not reflect the payment. I've submitted several disputes to credit reporting agency but the it has not been removed.

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 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Bread Financial Holdings, Inc.

Complaint:
XXXX XXXX  has submitted a late payment concerning my XXXX XXXX XXXX XXXX card to the credit bureaus without my consent. This posting was made for the month of XX/XX/XXXX. I spoke with the creditor in XXXX and XXXX of XXXX, and they stated that no changes would be made to the account or the report. 

Comenity Bank has reported a late payment concerning my Victoria Secret credit card to the credit bureaus without my consent for the months of XXXX and XX/XX/XXXX. I spoke with a Comenity Bank representative on XX/XX/XXXX and she stated she was unable to make any adjustments to the account or the report. No explanation as to why was given. 

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17
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:
XXXX XXXX XXXX XXXX did two inquires in three days for the same thing and XXXX XXXX also did two inquires andXXXX XXXX and they should not have. Also I have inquries from XXXX XXXX XXXX, and three other auto dealer I neevr authorized and I keep telling XXXX and experian this and XXXX and they do nothing. I can not even get a credit report from XXXX   and old stuff keeps reappearing that is over ten years old and I dispute and they will not take it off. I have oevr 6 inquires that should not be on my credit reports. Nobody is doing anything and only giving excuses or giving me an automated system and hiding behind that.

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 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Hello I contacted the Main Company that allowed someone to apply for credit which cause XXXX XXXX XXXX XXXX California to run my credit with over 30 different companies on XX/XX/XXXX. I spoke with the General Manager of XXXX XXXX XXXX XXXX California XXXX XXXX, and he did apologize and admits this was done in error and they would all be removed, however these inquires remain on my report. I contacted each creditor and they were rude and not willing to take action in removing these inquiries from my credit report that were all done on same day XX/XX/XXXX and XXXX, XXXX. In the result this has caused my credit score to drop and preventing me from having excellent credit. Below is a list of the companies that I have inquiries from and demand they be removed. 
XXXX XXXX XXXXran XXXX  times JXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX- Ran XX/XX/XXXXtimes XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX- XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2019-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2018-02-15
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CNG FINANCIAL CORPORATION

Complaint:
I received a call from a company called XXXX saying they were trying to collect on an old debt for XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I explained to them that I had filed a Chapter XXXX back in XX/XX/XXXX and if they could provide me a copy of the debt they are trying to claim for {$1600.00}. They advised me that I was facing fraud on writing a bad check and deception of a financial bank. When I again pushed to have something sent to me in writing the caller hung up. When I tried calling back they refused to take my call. I will state that this caller did have personal information about me where I lived and my SS #.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
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: Experian Information Solutions Inc.

Complaint:
I previously sent my written request to Experian about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have Experian get back to me with regards to the issue. Here are the items that concern me : AXXXX XXXX XXXX BALANCE {$0.00} XXXXL XXXX Date of inquiry XX/XX/XXXX XXXX XXXXT XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXI Date of inquiry XX/XX/XXXX XXXX XXXXI Date of inquiry XX/XX/XXXX XXXX XXXXI Date of inquiry XX/XX/XXXX XXXX XXXXI Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry 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 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2023-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
On XX/XX/2XXXX XXXX accidentally charged my credit card ending in ( XXXX ) {$2000.00}. I'm saying it is a mistake, the vendor is saying its a mistake, but the vendor is unable to undo the charge on their end for the full amount. 

Bank of America has had this for 3 months, ( REF # XXXX ) has not refunded my money up front which they have done in the past ), and still have not processed this. 

I want this corrected 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 explanation
Consumer complaint received 2020-01-16
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: AMERICAN EXPRESS COMPANY

Complaint:
Per FTC sec 609 credit agencies are not validating my credit they are simply verifying my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: LDF Holdings, LLC

Complaint:
One of Bridge Lending Solutions ' representatives, XXXX ( no last name provided ) contacted my workplace by phone call on XXXX XXXX, 2022 at approximately XXXX XXXX  PST, and identified the debt collector as Bridge Lending Solutions. The phone number used to contact my workplace on this occasion was XXXX. 

Furthermore, the telephone that Bridge Lending Solutions called was located at the receptionist 's desk. XXXX ( no last name provided ) left a message with the receptionist for me to call them back and disclosed that it was in relation to a debt. 

I know my rights and I know that publicizing a debt by contacting a borrowers employer is considered a direct violation of the Fair Debt Collection Practices Act, 15 USC 1692 et seq. If this happens again, I will be forced to contact the police.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation