hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2020-05-22
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC

Complaint:
I just don't recall any debt from XXXX, I just notice a collection account on my credit report and I doubt is mine, I called to the agency to pay the bill just because I don't want to have that derogatory information on my personal credit report, I asked the collector that I just don't want to waist their time with long investigations and disputes, I was in the position to pay the bill if they can delete the collection account from my credit report but the collectors don't provide me a clear YES or No, they just said I can pay if and " SEE WHAT HAPPENS LATER ''. So I requested a validation of debt and must important where and when this loan was approved since I feel is not mine or is identity theft, The collection agency claimed they are collecting on behalf another collection company so THEY DON'T HAVE THE FILES AVAILABLE but they will request it and send a validation of debt to my mailing address. I haven't received any letter from them and I disputed this collection account with the credit bureaus but they claim is a legitimate debt but they just don't proof it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
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:
This is regarding XXXX XXXX , XXXX at XXXX - This account is still being reported to the Credit Bureau ... EQUIFAX & XXXX. This account is closed long ago and still showing on my report. Account opened in 2005 ... .Bureau notified but will not delete this account. All the bureau does is verify the data and keep it on the report. Nothing to verify ... ..Account closed for over 10 years. Please have Equifax & XXXX remove the account - XXXX did comply and removed the account from my report due to the AGE of the account - No more valid or serving a purpose to keep having this on my credit report. This is a violation to continue to report this very old account. Thank you ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
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: EQUIFAX, INC.

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I filed a complaint on XX/XX/2022 about XXXX XXXX XXXX XXXX and the response from TransUnion said that they had deleted them, but they did not, all they did was just add the original lenders that were removed. We ask them to delete the XXXX XXXX XXXX account which was not accurate, they did not even mention it in their response, and as the same as XXXX XXXX, they added the original lender. In the XXXX XXXX account, a closed account that was removed, they are reporting late payments every month, damaging more my credit. I ask for all those accounts that have not been inaccurate to be removed, and their original lenders to be removed as well for incorrect information. PR telephone company with a XXXX of XXXX is also inaccurate information, I have actually account with them in good standing, please correct this. XXXX, XXXX and XXXX XXXX are repeated in collation agencies, this account as I said before they have inaccurate Information, they are to be removed. PR telephone company with charge off is incorrect, I have opened more accounts with them, have alway been in good terms. 
Please have this accounts permanently removed, and stop reporting closed accounts every month. 
XXXX. XXXX XXXX accounts XXXX. XXXX XXXX account 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 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL

Complaint:
I contacted this company a couple years ago informing them that I didn't open this account in my name and after an investigation it was determined that I had to pay for the charge which I did. I don't think that was fair, but I did and I was told that the charges would be removed. Please remove the charges off my credit report as I did not open this account.

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 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint:
I officially notified the Credit Reporting Company via certified letter that I had an unauthorized inquiry on my credit report in XX/XX/XXXX 
I demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I personally initiated this inquiry was requested repeatedly. 
They neither provided me strict proof or DELETED the item immediately!! This is the official second notice. If they do not delete the inquiry in 15 days I will take legal action. 
Under 15 USC Section 623 you have 30 days to do a reasonable inquiry into this matter and submit their reinvestigation information proof. 
If they ignore this notice and do not delete the inquiry or dont provide STRICT proof of authorization I will have no other choice but to send notice to the Attorney General for further scrutiny of this matter. The credit reporting company received my request/demand to provide proof that I have given the authorization to pull my credit on the following hard injuries that follow : XXXXXXXX XXXX XXXX  XXXX  XX/XX/2021 XXXX XXXXl XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX MiscellaneousXX/XX/XXXX1 They have not responded to my request and now are in DEFAULT. 
They must immediately remove any derogatory reporting to the credit reporting agencies because they are causing defamation of my character and I will be forced to take legal actions against this credit reporting company. Anything outside the scope of this evidence constitutes defamation of my character and I will be forced to take legal actions against them. 
**Immediately remove any derogatory reporting or consider this as contrastive notice of impending legal action. ***

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
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: EQUIFAX, INC.

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
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:
The Equifax website regarding their data breach on XX/XX/2017 does n't function properly. I get difference answers about whether my data has been compromised or not when I check at different times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint:
On XX/XX/2018 I entered into an agreement with XXXX XXXX ( representing XXXX  ) to settle a private student loan. The agreement is for " paid in full '' and " cure- deletion ' of negative reporting on CRA 's. Instead, XXXX only updated the amount owed and continues to damage my credit by reporting the account as delinquent. I have called XXXX directly and they keep saying it will take more and more time. I called XXXX XXXX XXXX XXXX collection agency- and they claim that the account is settled in full and there is not supposed to be any reporting of delinquency. Yet my credit got dinged again this month.

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 2021-10-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc.

Complaint:
XX/XX/2021 at XXXX I have been repeatedly been called about someone named XXXX XXXX over the last 15 years. I am not XXXX XXXX I am XXXX XXXX and this has been my number for over 15 years. I do not have collectors calling me because I pay my bills. I want this to stop once and for all. I called this morning and was told they would remove my number as usual. This has been told to me in the past and it has not stopped. XXXX told me the company was EOCCA and would not give me any more information. The number that called this time is ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION

Complaint:
Sallie Mae calls me several times a day to collect a past due amount. 
I have asked if they can work with me by enrolling me into an Income-Driven Repayment schedule, similar to XXXX and XXXX  They informed me Sallie Mae is a private company and does not offer this option. 
Ok, I understand this. 
However, they collected {$150.00} a month from me for several months as a " good faith payment ''. 
They led me to believe this payment was going towards my loan amounts. 
It was not. 
It was simply a fee to keep Sallie Mae from reporting my loan to the credit rating bureaus. 
Once I found out this fact, I stopped making the payments. 
My total due each month is close to {$700.00}. 
I asked again if they can lower payments. They informed me they could lower the payments to {$350.00}. I told them this was not feasible for me. 
They threatened to report me to the credit bureau and destroy my credit. 
In the meantime, they have raised the interest rate on my loan to 10 %. 
They have called my parents several times. 
Today, on XX/XX/XXXX they called my parents home again. 
I called Sallie Mae and asked them to stop calling my parents, they are NOT cosigners on the loan and therefore they should not be involved in their attempts to collect a debt from me. 
Sallie Mae informed me they use a " phone book '' service to reach out to people with similar names if I am not answering the phone. 
I speak with Sallie Mae at least three times a week and each time I tell them I can not make payments at this time due to financial hardship. They have no right to call my parents. 
They have called my business partner as well which was very embarrassing and could have cost me my livelihood. 
I am currently working with a debt relief company to settle this account and have asked Sallie Mae to stop calling my parents. 
They refuse and I think this is total harassment and bullying. 
I understand I owe this debt. I received a loan for my education and it needs to be paid. However, I do not need to be bullied. I do not need to be harassed several times a day with a phone call from Sallie Mae, and I do not need my parents and business partner receiving these phone calls as well. ESPECIALLY when I speak with a customer service rep from Sallie Mae several times a week. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX The company listed herein is shown on my credit reports across all Credit Report Agencies. According to them, I have opened an account and have an outstanding balance of {$400.00}. I totally and utterly dismiss this assertion. Upon discovery of this derogatory account, I did inform the company in question along with the 3 credit reporting agencies about this fraudulent account. 

I have requested verification and/or validation of this alleged debt but to date this information has not been forthcoming. I have provided proof that my personal information, including my social security number, have been compromised, as confirmed by the US Office of Personnel Management. I have also submitted a Federal Trade Commission ( FTC ) Identity Theft Report and the company in question has failed to respond. I implore this company to delete this account from my report with immediate effect.

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 2023-05-23
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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
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: The Bureaus, Inc.

Complaint:
I contacted The Bureaus to dispute their claim that I owe a debt of {$310.00}. The phone numbers provided on the credit report XXXX and XXXX do not connect to the Bureaus, but it connects to a company called XXXX XXXX. Several Managers and Customer Representatives have stated on multiple calls they do not have an account pertaining to me and there is nothing they can do to assist me with removing the debt or resolving the debt. I have not been provided proof of the debt from the Bureaus, and they have not responded to letters, and the phone numbers do not connect you with the company. I disputed the validity and accuracy of the debt with XX/XX/XXXXand they reported back that the company verified with them the debt is valid. HoweverXX/XX/XXXXrepresentative stated to me on a recorded phone call The Bureaus is not required to provide one shred of evidence that the debt is accurate, they did a self investigation and reported back to XX/XX/XXXX their findings. I asked how is it possible to report a debt on my report without 1 piece of evidence? I have not been able to get in contact with anyone from this company, and yet, XX/XX/XXXX refused to removed the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
This account has multiple errors in my credit report, negatively affecting my history. 

Among the many errors that the account has, the type of account is different in all credit reports, the number of months, the status of the account and the date of the last report are one of the many inaccuracies that this account presents. 

This is an account that was closed in the past where it shows that it was closed without any debt, but it is affecting me because of all the errors it presents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have subscribed to TransUnion credit monitoring for many years now and they provide dismal, substandard service. Today I successfully logged in and attempted to refresh my credit report as it was already two weeks old. After clicking on " submit '' the system just continued spinning for over 1/2 hour and ultimately did not update my report. I contacted TransUnion support online and they were unable to help. I tried using multiple browsers on multiple computers and all failed. 

I then called TransUnion support by phone. I answered all the security questions 100 % accurately, but their phone hung up. I called again and answered every security question with 100 % accuracy and when I reached the representative they said my account was suspended because I did not answer the phone prompt security questions correctly. They gave me a special password and said they unlocked my account, but their special password does not work and the account still remains locked/ frozen. 

I am XXXX XXXX XXXX XXXXXXXX and do not have time to call and wait for these incompetent people to do their job and fix their incompetency. 

They need to fix my account right away and since I am unable to use it, refund all or a portion of this months charges.

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 2021-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION

Complaint:
I mailed a check XX/XX/2021 for my mortgage someone stole my check used the routing number and my account number made the check out to someone and changed the amount of the check to XXXX, the person did not even sign my last name on the check clearly it was fraudulent Fifth third bank honored the check and the thief got my hard earned money, I filed a dispute with the bank, made a report with the police department, was told fifth third would reimburse my money it has been over 10 days and when I call the dispute line I get nothing but excuses, when I call t he bank manager she talks fast and gives empty promises I tried to close the account they said " No '' not until they reimburse the money a hold was put on the account, I tried to close my other two accounts and they gave me the run around, we don't have that kind of cash on hand or you need to make an appointment to close your account, I filed an investigation with fifth third on XX/XX/XXXX th and nothing has changed, I just want my XXXX that they let this XXXX take out of my account this person signed my first name and didn't even bother with my last name and they still let him get away with alot of my money, I want my money back and to be allowed to close my other two accounts in peace and they will never see me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION

Complaint:
In accordance with the fair credit reporting act XXXX  Account Number XXXX has violated my rights. 

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

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

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

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