hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2023-07-17
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: Experian Information Solutions Inc.

Complaint:
Subject : XXXX XXXX Account Dispute for Account Number : XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the information reported on my credit file regarding Account Number XXXX. I have reviewed my credit reports from XXXX and Experian and have identified several significant inaccuracies and violations of my rights under the Fair Credit Reporting Act ( FCRA ), Title 15 of the United States Code ( USC ), and Section 604 in relation to the reporting of my medical information. 

Firstly, there is a discrepancy between the information reported by XXXX and Experian. XXXX indicates that the account is an installment contract, while Experian reports it as a medical bill. This inconsistency raises concerns about the accuracy and proper classification of the account. 

Furthermore, both XXXX and Experian have discrepancies in the reported account open date. XXXX and Experian state that the account was opened on XX/XX/XXXX. However, XXXX reports a balance of {$7200.00}, whereas Experian reports a balance of {$7200.00}. These discrepancies raise doubts about the accuracy and consistency of the reported information. 

Additionally, there is a discrepancy in the terms reported by XXXX and Experian. Experian states that the term limit is 60 months, while XXXX reports a term limit of 0. This inconsistency further questions the accuracy of the reported information. 

Moreover, Experian reports a past due balance of {$5200.00}, whereas XXXX states a past due balance of {$5100.00}. These discrepancies in the reported past due balances cast doubt on the accuracy and integrity of the reported information. 

Furthermore, there are inconsistencies in the last report dates provided by Experian and XXXX. Experian reports a last report date of XX/XX/XXXX, while XXXX states a last report date of XX/XX/XXXX. These differences raise concerns about the timeliness and accuracy of the reported information. 

In addition to the aforementioned inaccuracies, it is important to note that the reporting of medical information without my authorization is a violation of my rights under the Health Insurance Portability and Accountability Act ( HIPAA ). I did not provide consent for my medical information to be shared, and the inclusion of medical information in my credit file is a breach of privacy. 

I am exercising my rights under the FCRA, USC Section 1681, and Section 604, which require accurate and fair reporting of consumer information. I request a thorough investigation into these inaccuracies and violations, as well as the immediate removal of the disputed account from my credit reports.

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 2021-12-30
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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL

Complaint:
On XX/XX/XXXX, I ordered products with a Free Shipping event. When my order was shipped, I was charged for shipping. My order confirmation clearly shows shipping was " FREE ''. I contacted the company and they replied " Thank you for emailing QVC. I apologize for the confusion we may have caused, our XXXX XXXX  special was for 4 easy pays on all items, not free shipping.Thanks for your understanding. It has been a pleasure assisting you. Thank you for shopping with QVC! '' I sent a copy of my confirmation and the QVC XXXX XXXX Free Shipping Event ad. Still they did not honor the Free Shipping. 

This is false advertising.

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 2021-07-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12
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: EQUIFAX, INC.

Complaint:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.

Complaint:
Deposited into my account a check on XX/XX/19. Bank has placed a hold on funds without providing sufficient reason and one not covered by Regulation CC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
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: Marlette Funding, LLC

Complaint:
I recently requested a copy of my credit report & seen unauthorized hard inquiries. This is a violation of the FCRA under section 604 permissible purpose. 

XX/XX/XXXX - BEST EGG, XX/XX/ 2021 XX/XX/XXXXXXXX, XXXX, XXXX, 2021 - XXXX, XXXX, XXXX, 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.

Complaint:
I have made several attempts to have this debt removed and the agency changed the date of the debt to a more recent date. I have sent them letters requesting proof and validation of the debt and have not received proof, or dates as to when this debt took place. I have reached out to both the collection agency and the credit bureaus and no one seems to have proof of this $ XXXX+ debt. I have made several attempts and at one point, someone at the collection agency said they would remove it by XXXX as they didn't have documentation due to the age of the debt and it has not been removed, it only decreased my credit when they changed the date and then reported late payments when NO PAYMENTS have been made. Please help as I tried getting a home loan and this has affected me greatly. Letters and request for proof were all sent on XX/XX/2020.

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 2019-12-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates

Complaint:
A phone call was placed to L J Ross and Associates IN. on XX/XX/XXXX regarding a letter i received stating i had an outstanding debt with XXXX   XXXX, they stated they could not tell me what the debot was for and i need to call the Bank. I then called the bank and they explained they do not have the records of my debt due to the age of the debt and i would have to order them from the collection agency if i am distributing. I thna call the agency back and spoke With XXXX  whos assigned to the file, I explained I am disputing the debt and officially requested the transcripts showing the valifty of the debt. at that time the pursuit of the debt should have stopped until i received the documents requested, XX/XX/XXXX i received a notification from my credit monitoring app stating they had reported my debt to the XXXX   prior to my receiving the documents which is a violation of the  FDCPA, I spoke with XXXX  XX/XX/XXXX and explained i have not received the docs, she explained they "sent them out at the end of last month" which was two days ago, this has since lowered my credit score 17 points prior to me receiving the documents, I have both conversations recorded

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION

Complaint:
They froze my account because I am a XXXX XXXX I XXXX  XXXX and XXXX them to potential  XXXX. They deposit the money in my account then I release the funds. My account was frozen because funds was placed in 3 times in one day and they stated the a XXXX  stated they sent money in my account by mistake after I already released the bitcoins. It has been a month and Noons has even tried to assist, they are giving the run around

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 2022-04-27
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:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$4200.00} XXXXXXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/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 2018-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.

Complaint:
{$110000.00} from 2009 on. Navient is the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: D. SCOTT CARRUTHERS

Complaint:
XXXX XXXX at Scott Coruthers Law Office in CA has called me numerous times about a debt we have no clue is about. Even after we have spoke he continues to call friends, family and other people I do business with saying he is XXXX XXXX from a law office and he is trying to collect a debt. I have prove of the correspondence. This cant be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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 have inquiries passed on that should be taken out or blocked. Per FCRA segment 605, Experian Credit Bureau is expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.

Complaint:
I have been a great customer of Chase bank for many years. I held a checking account, a savings account, and multiple credit cards -- all with excellent customer behavior ( no late payments, no overdrawn accounts, etc. ) I have a great credit score, and I am employed full-time for several years. I received a notice on XX/XX/2021 that my accounts are being closed by Chase and they no longer will have a relationship with me. When I called to inquire I was informed by multiple representatives as well as by their managers that they can not provide me a reason. When I asked if I can open other accounts they informed me it is a lifetime ban. However, they also recently ( within the past week ) opened a credit card for me, and could not explain why that was allowed, but that everything else isn't -- including my already existing credit cards with XXXX balances and good, responsible consumer behavior. If a company denies services to a customer who is exhibiting good, responsible consumer behavior and refuses to provide an explanation, that is discrimination. If I were to walk into a restaurant dressed appropriately, with the correct amount of money, and be told I was not being served, to never come back, and to not be told why I am being denied service, the news stations would be there. I've also reached out to the XXXX and FTC. I may not be a " big fish '', but I am a loud one, and it is bad business practices to discriminate against responsible customers and not provide just cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc.

Complaint:
Santander USA refuses to remove the information on credit reports!! if not ill sue!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
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: SYNCHRONY FINANCIAL

Complaint:
so in light of your recent response I want to take you guys to arbitration for the XXXX you guys dont seem to resolve my dispute and I have proof from XXXX   there was damage to the computer and it was not as decsrbice I tried to email you several times and no response so I either want a refund for the XXXX or I will take you to attrition for this and I am letting you know right now I wish to go to arbitration.

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 2022-10-23
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: Experian Information Solutions Inc.

Complaint:
I disputed a credit entry added by XXXX XXXX for Acct # XXXX in the amount of {$54.00} with XXXX, XXXX and Experian regarding a debt that is not mine and I do not owe. To date, Experian is the ONLY credit reporting agency that has not corrected this incorrect information on my credit report. I was not aware that the information was still on my credit report with Experian until I had a credit analysis performed and they informed me that this debt was still present. Experian never " adequately '' responded to the my correspondence disputing the debt, but did note that I disputed this information. XXXX and XXXX already removed this information as they confirmed that I do not own/owe this debt. However, Experian continues to show this debt on my credit report and refuses to provide any legally valid information supporting their decision to continue to report this negative information on my credit report and that supports the fact that I own/owe this debt.

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 2018-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

Complaint:
I had a recent mortgage modification where it was completed roughly 45 days ago and they are still reporting the old mortgage balance and that I was late with my mortgage payments. Neither of which are accurate. I provided them with a current statement of my mortgage showing it is current and that their balances are incorrect and they refused to recognize that 3rd party documentation as proof that I am correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Account reported is inaccurate. Multiple disputes and furnisher will not update record. Balance and history incorrect. Account closed, balance {$0.00}, paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
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: EQUIFAX, INC.

Complaint:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft.I found numerous accounts on my credit report that was not open. This has been hurting me as I am in the process of buying a home for my family.

Company response to consumer: Closed with explanation