hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-01-18
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: T.S. Holdings

Complaint:
THS IS NOT A DULICATE COMPALINT. m writing this complaint to to address I.Q Data international inc to collect an alleged debt owed by me. This company has obtained my personal identification under false pretenses. I received a XXXX complaint that this account would be removed within 30 days. it has been over 90 days. this debt is damaging my credit report. IQ DATA INTERNATIONAL INC is a debt collector pursuant to 15 U.S. Code 1692a ( 6 ) and has violated my right to privacy by committing identity theft. 15 U.S. Code 1681a - Definitions ; rules of construction ( q ) Definitions Relating to Fraud Alerts. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.IQ DATA INTERNATIONAL has never received written instructions from me authorizing the furnishing of any information to third parties in violation of 15 U.S. Code 1681b.Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.

Complaint:
My problem consist in that the two credit operators XXXX and experian, report data that is incorrect about me. This happens because I share the same name with my oldest son, I am tired of telling them by phone that this is not me, that they are reporting my son 's credit data, that my son 's birth date is XX/XX/XXXX and I was born on XX/XX/XXXX and we also have different social security number. But they tell me that in order to correct their mistake, I must send them all my personal documentation that confirms my identity ... and then I asked them : how is it possible that you report wrong information about me, but you tell me that you dont have my information? This is a contradiction and a paradox. I am not willing to give any private information to these credit agencies, I have no relationship with them and I will not correct anything that I have not created, those errors in my credit report are NOT attributable to me, they are the ones that have to be well documented before destroy my credit records and my reputation, all this has affected me in the request for an increase in my credit cards limits, in the cost of my insurance policy of my car and in my driving record also. They have damaged my public image and my credit reputation, having reported unverified and incorrect data about me.

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 2017-04-25
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I mailed a Multipl e Inquiry R emoval Letter by certified mail and the dispute was open on  XXXX   XXXX ,   XXXX  . I dispute d 1 inq uiry that were being reported inaccurately on my Transunion Credit Report. The dispute was open on  XXXX   XXXX ,   XXXX   and completed on  XXXX   XXXX ,   XXXX  . The request I submitted conta ined 1 hard inq uiry that was not factual and I received the response for the inquiry that read Inquiries listed on your credit report are a record of the companies that obtained your credit information. I am trying to see how a company was allowed to access my credit report without my permission. According to the FCRA rule s, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ),  it states that any information can be disputed and MUST be investigated. If you do not investigate AND respond, the CRA MUST DELETE the disputed information on file. The fact that a response was generated in 3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I am submitting this complaint due to the lack of investigation into my original dispute for a hard inquiry that does not belong to me. I did not sign for anything. The inquiry does not belong to me. This is unfair practices by a credit reporting agency ( Transunion ) with no concern for the credit worthiness of a consumer.

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 2022-05-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Education, LLC dba Aidvantage

Complaint:
XXXX XXXX XXXX - ( Loan # XXXX ) : XXXX due to claim filed on XXXX XXXX. This loan was XXXX ( XX/XX/2021 ) due to death of my XXXX. I was due a refund Check that was mailed XXXX XXXX XXXX  in the amount of XXXX to my home address. 

On several occasions I contacted XXXX /aidVantage to inquiry about the refund and to see if the check had been mailed. 

On XX/XX/2021 Per XXXX- Representative the Refund check was mailed from the U.S. Dept of Treasury . After several attempts and conversations with XXXX /aidVantage, they told me the check was mail and had no additional information. 
After failed attempts with them I contacted by State - U.S. Representative - XXXX XXXX - Georgia 's XXXX District, speaking with her team, they provide a contact name and number - XXXX XXXX - XXXX XXXX x XXXX with aidVantage- and created a claim number - After contacting aidVantage I was informed the Refund check was cashed on XX/XX/2021 via a " mobile '' deposit to an account with XXXX bank, which I have no account with this bank.. 
Along with contacting aidVantage, I was informed to contact the IRS and XXXX Bank. Both IRS and XXXX Bank referred me back to aidVantage after they could not find the Refund check in their systems by both routing number and account number. Please assist with having the Refund check reissued. Thank you in Advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
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:
this account was never late, and i have already tried to send letter that was provided by XXXX XXXX XXXX, but experian is not trying to help, the other XXXX bureaus have already removed this negative except experian, please have this negative removed from my credit on experian, the letter from the creditor is attached 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 non-monetary relief
Consumer complaint received 2020-04-06
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: ENCORE CAPITAL GROUP INC.

Complaint:
I noticed that on my XXXX  credit report I only have XXXX open account, however my credit score doesn't reflect what is accurate, also I have hard inquiries on my XXXX and XXXX  credit reports that I do not recognize. I would appreciate if this service correct their inaccurate  information, also I do not understand why Midland Funding states I owe them a debt that they can't validate under oath, the original creditor closed the account ad it's paid off. Midland Funding never loaned me any money and I do not have a contract with them. Per HJR 192 and the corona virus pandemic I ask that this incorrect information is cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
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:
On XX/XX/2019 I made a payment of XXXX to my credit card serviced by synchrony. The credit card company hadn't posted it by XX/XX/XXXX so I call them. They said there is a known issue of payments not posting that day. I said I wanted to dispute the missing payment. They said no they would not do it. They have no timeline for a fix and they acknowledged fees may show on the account because of their mistake. They said they may reverse the fees but why go through all that when I should be able to just dispute it and have it corrected right away. They said this is effecting everyone who made a payment on XX/XX/XXXX. How many people is this mistake hurting is unknown but please help them.

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 2021-12-14
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: Experian Information Solutions Inc.

Complaint:
XXXX XXXX a collection being reported is not mine. The account belongs to someone else as I have never had a XXXX XXXX card.

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 2023-08-10
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: AMERICAN EXPRESS COMPANY

Complaint:
XXXX. I have been a member of American Express ( AMEX ) for over 20 years since XXXX. 
XXXX. In XXXX of XXXX, AMEX via letter requested confidential corporate financial information regarding the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). I'm an owner of XXXX. XXXX had a corporate card in good standing with AMEX since XXXXThere was no indication to why this financial information was needed nor what it was to be used for. I was only provided 14 days to provide the information. The letter did not state the penalties for not providing this information within the timeframe. 
XXXX. I spoke to representatives at AMEX on XX/XX/XXXX and again on XX/XX/XXXX. I was told that both my personal and corporate cards were in good standing and had no charging privilege restrictions. I was not notified by these agents of a pending financial review. 
XXXX. I reviewed my charges and balance activity several times a week on the AMEX app. There was no indication on the app that my accounts were pending financial review or in jeopardy of cancellation. 
XXXX. Approximately XXXX week after my last phone call to AMEX the Financial Department cancelled both my personal and business accounts when corporate financial records were not received. 
XXXX. I was under the impression that this was a temporary suspension of charging privileges due to a high corporate balance. 
XXXX. I failed to understand how failure to provide corporate financial records would lead to the cancellation of a personal XXXX account. 
XXXX. AMEX reported this derogatory information to all XXXX credit bureaus. This led to a drop in my credit score of over XXXX points and has affected my ability to obtain further credit either personal or corporate. 
XXXX. I was told by XXXX XXXX a representative of AMEX that I have a good case for reinstatement based on poor communication and confusion surrounding my accounts. XXXX separate departments were simultaneously acting on my accounts. Neither department had knowledge of the other 's actions.

Company response to consumer: Closed with explanation
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 — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION

Complaint:
the following accounts are appearing on my credit report without any authorization, please review them, it is hurting me dentity Theft XXXX  XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

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 2017-10-10
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:
I have tried on numerous occasions to get the XXXX credit bureaus to accurately report my accounts. I explained that XXXX creditor XXXX XXXX would deceptively change the account numbers every time I submitted an account verification request. They have sent me letters all XXXX credit bureaus that they would no longer investigate my previous claims which is a direct violation if the fair credit reporting act. This had drastically hindered my ability to obtain credit. If it is not handled appropriately I will be forced to take legal action. I also asked for proof of verification methods of my alleged accounts and I was never provided with it.

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 2016-03-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Universal Recovery Corporation

Complaint:
This company uses scare and intimidation tactics to collect on their debt. We noticed them that this is a recorded line and that we are asking them to not call until after XXXX becasue this is a business peak time. They continued to call 16 times and even called our neighboring business lied to them and said something is wrong wth our phones and asked them to walk over and hand is a phone. We asked them to communicate via email and not call our business line yet they continue to do so. We have recorded calls and phone logs of the abuse and harrassment but they do n't seem to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
add my XXXX card from 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 2023-07-28
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:
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.

The letters are stated with items and issues.

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 non-monetary relief
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I sent a letter dated XX/XX/2022 to XXXX, XXXX and Transunion detailing the furnishing of inaccurate information listed on my credit report ; including an incorrect address, accounts more than 7 years old, and unverified accounts.

My letter further explains how I reached out to each creditor listed on my report and requested within 30 days of receiving my letter they verify, through documentation that I am responsible for the accounts they are falsely reporting. As of XX/XX/2022 I have not received any verification from any creditor. 

The letter request that these items be investigated and removed, as of today 's date XX/XX/2022 no action has been taken in regards to updating my credit report by any of these reporting agencies.

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 2022-08-15
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:
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.

15 U.S.C 1681 Section A. States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX GA XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 Section A. Section 2 : It also states that a consumer reporting agency can not furnish an 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 ither adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has 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 non-monetary relief
Consumer complaint received 2022-12-02
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: EQUIFAX, INC.

Complaint:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

Company response to consumer: Closed with explanation