hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.

Complaint:
XXXX  has continued to attempt a " debt '' of XXXX that they claim I still owe for when i had their internet services. This was an equipment rental fee. However, both pieces of equipment have been returned to them via XXXX as of XX/XX/XXXX. Copies of the XXXX  receipt have been sent to each " debt collector '' that XXXX uses, and still I am getting letters stating I owe for unreturned equipment. 
Latest company ( as of XX/XX/XXXX ) is called I.C System, i have tried to call and the number is not working, i tried to email and email bounces back... website only allows for you to choose reason of dispute but no attachments. 
This is the 3rd company that has now tried to collect a debt I do not owe, and yet here I am trying to get this resolved AGAIN

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 2023-08-14
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:
Improper use of personal information

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 2020-06-28
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 — Investigation took more than 30 days
Company: AMERICAN EXPRESS COMPANY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.

Complaint:
I have expressed difficulty with maintaining payments, but have been told there is nothing that can be done to lower payments. They 've said I am ineligible for any assistance, lowering payments or offering a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
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  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX DEPT OF ED/XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX DEPT OF ED/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES

Complaint:
MyGreatLakes lender keeps inappropriately allocating my payments. Every month I make the minimum payment due plus an excess amount and I ask them to allocate the excess amount 100 % to the 'unpaid principle balance ' of a sub loan that Ive chosen. Instead they continue to NOT do this and place the excess amount towards my next due payment, thus delaying when I have to make the next scheduled payment and failing it apply it directly towards the 'Unpaid Principle Amount. ' When I then talk to them on the phone about this mistake they give me false information and a run-around conversation tactic claiming they do n't know how to explain this too me and refuse to fix the issue. They continue to tell me, there is no on else available to talk to, and they end end the conversation with me, saying that they are finished talking to me, and place me to a voicemail. When I searched the name of the finance manger whose vociemail they connect me to it dose not even show up on XXXX, which leads me to believe that this is a fake person : 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 2023-02-28
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: Experian Information Solutions Inc.

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be deleted as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2022-09-15
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:
On XX/XX/2022 I filed a complaint in Experian website about my credit report. In their report they were duplicating my student loan balances that has been transferred from XXXX XXXX to XXXX  XXXX. Basically they showed as I had double the amount of student loans : the original balances with XXXX XXXX before the transfer appeared as open with the original balances instead of {$0.00} balance and that they had been closed and transferred. 

On XX/XX/2022 I received a notice stating that the report will stay as it was reported, thus keeping the error. I tried to upload the letter or statement from XXXX XXXX showing that all my student loans had been transferred and the balances was {$0.00} and thus the accounts closed. I could not. I called Experian telephone number suggested in the website to resolve the problem that afternoon and I talked to a representative called XXXX. He said that Experian has contacted XXXX XXXX and told them that I still had those balances and accounts, which is not truth and suggested me to call XXXX XXXX instead of correcting their errors. Afterwords I tried again to upload the letter/statement from XXXX XXXX showing that all my student loans had been transferred and had {$0.00} balances but I was unable to do so. Instead Experian seemed to want to sell me membership and services that I don't want or need.

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 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.

Complaint:
Santander Consumer repossessed our vehicle voluntarily in 2005. Santander got the vehicle but still maintains we own money ( {$13000.00} ) on the vehicle and has placed it on our credit report as a write off. We want the matter closed, credit for the vehicle 's value and a zero balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GLA Collection Company, Inc.

Complaint:
Filed a dispute with XXXX  ( XX/XX/2020, Confirmation # XXXX ) Credit agency. XXXX  closed file ( XX/XX/2020 ) as they contacted creditor and verified account is mine. 

I contacted GLA Collections, Inc on behalf of creditor XXXX for a purported amount of {$100.00} requesting date of service, insurance company information, and copy of the actual bill submitted, but to date have not heard back from GLA Collections. GLA has placed a lien on the public record for the amount of {$100.00} hich has altered my credit. I am on a fixed income ( SSA ). this amount is so low and should be deleted or waived from my credit file on Public Records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.

Complaint:
XXXX continues to ignore my disputes and not fix the problem. I have repeatedly disputed some of the items over and over and over again. To no avail, even with proof the account is inaccurate, they simply send an Email stating the investigation is complete, when they are not investigating accurately AT ALL. Specifically : On XX/XX/2019 : I disputed : XXXX XXXX, # XXXX and it states it is accurate when in fact it is not. This is a sold debt that was in fact closed on with XXXX with no monies being owed to that party, as I was not in a contract with them. Further, this account is being reported as if its a new debt and in fact it is not. Lastly, I have RECEIVED NO communication from XXXX XXXX about this debt- AT ALL. 

On XX/XX/2019 : I disputed : XXXX XXXX, # XXXX. This car was totaled in an accident and the car was paid off by my insurance agency, XXXX XXXX and there was NEVER a late payment. In fact, the car was paid off 7 days after the accident. I DO NOT CARE what XXXX XXXX  tells you it is proof of this with the XXXX PD and of course XXXX XXXX. It remains inaccurate on my report and you have NOT done due diligence according to FDCPA. 

On XX/XX/2019 : For the 5th time- I disputed : XXXX  XXXX # XXXX. I still have my XXXX XXXX account open and this {$77.00} is incorrect. 

On XX/XX/2019 : I disputed : XXXX XXXX # XXXX There was NEVER a late payment with this account. I received a 2 month forbearance due to dealer tag and title paperwork to tag the car was not sent to me in a proper timeframe upon purchase of the vehicle ( of no fault of my own ) XXXX is aware and I have documentation of proof to show ; Payments have just resumed. 

Lastly : on XX/XX/2019 : I disputed : XXXX XXXX # XXXX : I have no knowledge of this company, I have not received any debt collection information from this company and further the debt in question is not mine! How is it this information can just appear on my report without any knowledge to me of the who, what, when, where or why? 

XXXX  and the companies aforementioned are direct violation of FCRA.

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 2017-10-24
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:
ON MY CREDIT REPORTS THERE ARE 3 FRAUDULENT ACCOUNTS SHOWING I CONTACTED THE CREDIT BUREAU ABOUT THE FRAUD, I WAS ADVISED TO DISPUTE THE ACCOUNTS ON XX/XX/2017 I DID THE FRAUDULENT ACCOUNTS ARE STILL THERE. I GAVE NO ONE CONSENT TO USE MY PERSONAL INFORMATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28
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: Experian Information Solutions Inc.

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.

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 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXXXXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-07-27
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: Paypal Holdings, Inc

Complaint:
XXXX is in violation of ( 15 U.S.C 1681 ( b ) ( a ) 3 ( f ) ( i ) ; for unlawfully obtaining my XXXX Consumer Report on ( XX/XX/2021 ) without my written authorization or permissible purpose under the Fair Credit Reporting Act and its guidelines. It has been more than 60 days since they were notified of their violation and they have not provided me a copy of my written authorization I gave them or permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
According to the provisions under the FCRA and FDCPA, I demand that this item be deleted from all the XXXX CREDIT BUREAUS as soon as possible. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must DELETE any erroneous reports of this past debt as mine from the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
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:
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 that a consumer reporting agency can not furnish an account without my written instruction These rights have been violated by the following accounts being listed on my credit reports : State of MI office of C. for over {$5000.00} and {$8000.00} US Bankruptcy CT GA XXXXXXXXXXXX which was discharged

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 2023-01-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY

Complaint:
Wellsfargo charged overdraft fee when enough money was in account to clear account in XXXX. I am no longer a customer at Wellsfargo

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 2022-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
My name is XXXX XXXX. I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my 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 2020-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.

Complaint:
I am having tons of problems with the spelling of my name on my credit file. My Birth name is XXXX XXXX XXXX My SS XXXX My DOB XXXX. Please delete any other names, DOB or SS variations of my personal information they are not mine. I am in need of a new report with the following addresses deleted that do not belong to me. Please delete the following : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX LA XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX OH XXXX

Company response to consumer: Closed with explanation