hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Account Name : XXXX XXXX XXXX Date Opened : XX/XX/2022 Amount : {$160.00} Account Type : Collections This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

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 2020-04-03
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:
XXXX XXXX ADD THIS TO THE FTC ATTACHED PLEASE e FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, unfair, and abusive debt collection practices. ... The FTC has sued over 30 debt collection companies for violating the law, banning some from the business and making them pay steep financial penalties XXXX XXXX XXXX XXXX was the likely source of the complaints to the Federal Trade Commission accusing XXXX of falsifying income information on loan applications, says XXXX co-owner and general manager XXXX XXXX. 

XXXX also believes that complaints from the Navajo Nation Human Rights Commission spurred the FTC to take action which began in XXXX of 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA

Complaint:
Bank appears to have deliberately delayed processing a payment so as to put the account into default so that they could charge late fees and interest. I've gone back through account statements ( & checkbook ) and I have discovered a disturbing pattern. Most payments are processed on either the 2nd or 3rd day after the payment check is written, however, every third month ( i.e. quarterly ) payments are not processed until either the 6th or 7th day after the check is written. 

I normally make my payments early enough that I haven't been dinged for a late payment or interest charges until the payment that was due XX/XX/XXXX, check was written and mailed on XX/XX/XXXX, considering how efficient and consistent the USPS is, payment was delivered to the bank on XX/XX/XXXX, or at the very latest on the XX/XX/XXXX, however, the bank did not process the payment until XX/XX/XXXX. 

I sent a letter of complaint to FNB Omaha regarding the delayed posting and their response has a number of factual errors. First the response claims that they received my complaint on XX/XX/XXXX, the USPS certified mail receipt indicates that it was delivered on the XX/XX/XXXX. Second the response claims the payment was due on XX/XX/XXXX, the statement clearly shows that the due date was XX/XX/XXXX. 

If they are trying to cheat me by delaying processing payments, they are doing it to hundreds if not thousands of others. If I hadn't noticed that they delayed this one payment, I wouldn't have gone back through my records and established a consistent pattern of delayed payments. They are engaged in criminal activity and I can help you prove it. Documentation to support my allegations will be supplied on request.

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 2022-11-08
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:
The unverified accounts indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.

Complaint:
Franklin Collection Services XXXX XXXX XXXX XXXX XXXX, MS XXXX This company is not authorized to collect debt in Louisiana. I asked the company to verify the debt and they sent a hospital bill. I 'm requesting validation that the debt belongs to me and also proof of license in the state of Louisiana.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
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 XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX  Account # 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

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 2022-09-19
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:
XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Social Security Number : XXXX Account # XXXX Account # XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX, has verified that the account they are reporting under my name is accurate. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response, or e-oscar verification is unacceptable. I am requesting a re-investigation AND your method of verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX SSN : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint:
I am dealing with a derogatory account with XXXX XXXX XXXX on my consumer report. XXXX XXXX XXXX sent me a letter stating the tradeline will be deleted, but it is still showing on my consumer report. Due to the furnisher erasing this account, please remove this account from my consumer 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 explanation
Consumer complaint received 2020-06-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
Portfolio is reporting an account to my credit profile that I was told that was opened under a business name that I do not have ties to and have never had ties with. See attachment for more details.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
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: OneMain Finance Corporation

Complaint:
One Main Financial improperly used my credit information from XXXX XXXX and placed a hard inquiry on my credit report for a loan I didn't apply for. I reported this fraudulent attempt to XXXX XXXX who never contacted me. I opened a dispute with One Main Financial which hasn't been resolved. I have frozen my credit accounts and need the hard inquiries removed from my XXXX and XXXX accounts.

One Main requested additional identifying information for the fraud dispute and then used my personal information to process and decline the fraudulent loan application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-21
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:
On XX/XX/XXXX I submitted a complaint with CFPB about Equifax reporting the wrong address on my consumer report. The inaccurate information was corrected until today XX/XX/2022. That same address that was removed has been placed on my consumer report again instead of my correct address. 
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. 
The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL

Complaint:
This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or 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 explanation
Consumer complaint received 2023-08-21
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: General Motors Financial Company, Inc.

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
They closed my account and refused to allow me to pick my money up from a local branch. They have held my money and did not provide a clear date on closing or any information for that 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 monetary relief
Consumer complaint received 2023-04-25
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-06-17
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:
XXXX XXXX holds our lot loan that matured in XX/XX/2021. While in the process of refinancing the loan, XXXX XXXX erroneously reported to XXXX, XXXX, and TransUnion a 30 delinquency even though we continued to make our regular on-time payments. The credit bureaus started reporting this delinquency on XXXX XXXX, XXXX reducing my credit score by 44 points. 

On XX/XX/XXXX XXXX took negative action against me by reducing my credit limit to the current balance which also inflates my debt to income ratio increasing the negative impacts. 

On XX/XX/XXXX, XXXX XXXX XXXX sent a letter confirming the error, while also stating they sent a correction to the credit bureaus. 

On XX/XX/XXXX, I submitted a dispute to XXXX but received a notice that it will take 30 days to remove. 

Since this delinquency is an admitted error, it should be removed from my credit report immediately mitigating the risk of other creditors taking additional negative actions against me. 

As of today, XX/XX/XXXX, it's been over a month, and the delinquency is still being reported. 

My husband and I are struggling to overcome the devastation COVID caused to his business, working to refinance our mortgage that is current in forbearance and while our situation is improving, this error can devastate us. 

PLEASE HELP US QUICKLY. THANK YOU.

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 2022-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank

Complaint:
First Progress Account # XXXX is currently violating FCPA 15 USC 1681s-2- Resposibilities of Furnisher of information to consumer reporting agencies. DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. I have directly requested validation of Debt regarding First Progress Account Number XXXX via USPS Certified Mail XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX. First Progress Did Not Validate this debt in pursuant of the FCPA. I mailed the letters in pursuant of the ADMINISTRATIVE PROCEDURE ACT.. In addition First Progress has reported different payment history to XXXX than XXXX. On XXXX credit report is shows " No Data Available ''. On XXXX there are codes and figures in payment history. Futhermore the IRS states " Cancelled Debt '' as " gross income '' ( see enclosed IRS publication on Cancelled Debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC

Complaint:
I spoke with Debt Recovery Solutions on XX/XX/2020 about a debt that was placed on my credit report however, I was not clear on whom the debt was with or why I had never received any information concerning this debt. So when I spoke with Debt Recovery Solutions on XX/XX/20 they stated that if I paid the debt that they would send me a letter of  deletion from my credit reports and they stated that they could not tell me who the original debt was with or where the original debt came from. After completing the conversation with this company I did go ahead and make the payment however, I only received a receipt of payment but not the letter of deletion as promised or any indication of who the original debtor was. So I am asking that this information be disclosed to me as well as a letter of deletion of this debt from each of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
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: DISCOVER BANK

Complaint:
I have asked for help several times regarding the Discover Credit Card debt and the credit card company and all three credit bureaus are reporting this {$220.00} as a bad debt. I tried to convert a XXXX XXXX to XXXX XXXX in 2018, however, upon federal court date the judge indicated I did not qualify to convert and had not satisfied the allotted time, therefore debts are valid. Discover is still reporting XXXX, although it was a secured card, I did not receive my {$200.00} deposit. I was told it was applied to debt and I still owed {$24.00} and I paid it in order to report as PAID IN FULL ON MY CREDIT. Please help Im trying to purchase my first home in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Atlanticus Services Corporation

Complaint:
Repeated calls from aspire claimed XXXX due back from 2013 the company went out of business

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.

Complaint:
XXXX i purchased a car XXXX XXXX, XXXX at 20.1 % total of 72 payments. i just found out my loan has matured in XX/XX/XXXX leaving a balance of XXXX. 
i made monthly payments XXXX monthly sometimes i even sent in extra money. 
for principle. I was told by loan company that i had to in full or car will be repo. 
I was forced to setup Modification at 17 % 18 payments of XXXX by the time i am done with this loan i paid for over XXXX the car is not even worth XXXX I have asked to have my account review for errors. they said they reviewed by file. 
i have asked for restitution, deficiency waiver or even forgiveness of the loan. 
I even ask how did I end up with a large amount? I am aware that a deferred 4 or 6 payments due employment and medical. I am aware i would have some kind small balance left They were not able to give me a answer. 


i know several people that use this company have run into same issues

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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 had weak security and my information was gathered in the hack.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.

Complaint:
After paying Experian, and answering the required questions correctly to verify my identity, for me to access my online credit report. I noticed the following errors ( hard inquiries ) on my credit report : 1. XXXX XXXX XXXX  , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   California XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Florida XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Therefore, I decided to write a letter which is dated XX/XX/2018, to dispute the above mentioned errors. Consequently, I received a letter from Experian that stated, " We were unable to honor your recent request because you did not provide sufficient identification information for us to verify your identity, or the information that you provided was not legible.

My identity was verified online that is how I was able to receive the following reference number from Experian regarding my credit report : Reference number : XXXX  Any assistance that you could provide me pertaining to this matter will be greatly appreciated.

Respectfully, 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