hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2018-04-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.

Complaint:
Good Afternoon, I was checking my credit report, and I came across a collection account from XXXX XXXX. I do not know who this company is, nor have I done any business with them. I also did not receive any notice of this debt or the ability to obtain validation of it. I sent them a letter requesting validation, but did not receive a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
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:
state laws changed in XX/XX/2017 regarding child support reporting and I have requested to have information removed from all three credit bureaus child support is not a contractual debt, no services or products were given and amounts are not determined as such and should be removed from credit files. All 3 bureaus refuse to remove account ; they are using a computer system to verify debt which is invalid I have receive documents from Dept of Human Services and Courts stating that they do not report public records to credit bureaus so if the information isn't getting verified from the source who or how is it getting verified. Along with Illinios DCFS  these account are invalid for same reason I do not have contract and these items do not belong to me : XXXX XXXX, XXXX XXXX, XXXX XXXX and 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 2017-09-26
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: LEXISNEXIS

Complaint:
On or about XX/XX/XXXX I mailed a public records investigation request to LexisNexis. Approximately 37 days I called to request the status of the investigation, at that time I spoke with " XXXX '' ID # XXXX who said he would search for my letter and call me back later that afternoon which he did. He indicated that my request was still being investigated. At the time of that call, LexisNexis was in violation of the 30 day FTC rule. Yesterday I received a response dated XXXX XXXX, XXXX, indicating that LexisNexis " verified '' the public record. Strangely enough, my wife, myself, and another friend submitted letters at the same time. My wife who was party to the SAME public record as myself, according to LexisNexis the record was deleted ( See enclosed letter ). Another friend of ours also had the record deleted because LexisNexis could n't verify it within the FTC guidelines ( See enclosed letter ). My investigation was certainly not within stated guidelines. Additionally, in the letter sent to me from LexisNexis ( See enclosed letter ), the document shows NO BANKRUPTCY or any other public record. XXXX was unable to verify this record so I would very much like to have the method and who of this verification, or a letter to reflect what their records actually indicate which is no public record.. Please investigate this to resolution ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch

Complaint:
I paid in XX/XX/2020 for a collection bill for XXXX XXXX XXXX electric bill of {$270.00} account # XXXXHELVEY & ASSOCIATES INCORPORATE never discussed anything about disputing after I paid my account. I asked HELVEY & ASSOCIATES INCORPORATE to remove and dispute it from my credit report. They stated that they could not remove it and that it would remain on my credit report. HELVEY & ASSOCIATES INCORPORATE never said that at the beginning of me paying for my account. HELVEY & ASSOCIATES INCORPORATE has affected many customers by not removing or discussing anything about disputing a collection. HELVEY & ASSOCIATES INCORPORATE is not a XXXX  ACCREDITED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
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:
My FICO with experian went down from XXXX to XXXX after they reported a late payment that does not exist wit XXXX XXXX XXXX. I have never had a late payment in my credit history. I tried to do a dispute online, and their site as not working, I called them, and call the with my Experian account in front df me with a open Credit Report as of XX/XX/2022 and the person at the other end tells me that there were no late payments in my report. I explained to him that the decrease in my Credit Report was also showing in MyFico site, and he kept insisting that at his end everything was fine and he could not explain why my Fico Score decreased more that 50 points. As asked to dispute the Negative mark in my report and he told me that he could not do it. So I asked to talk to a supervisor, was put on hold for 30 minutes and no one answered. So no dispute, no late payment in their report, late payment on more and I lost more than 50 points in my CR. I anyone in Charge?

This may have happened because we had a serious car accident, XXXX told us to stop the payments, actually the account shows as CLOSED in my report. ( See attached XXXX XXXX ). When I talked to the they show the account as OPEN????, even though in the report in front of me shows up as CLOSED

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 2022-06-26
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: Experian Information Solutions Inc.

Complaint:
On XXXX/XXXX/2022, I sent a letter regarding inaccurate information reporting on my credit report. since it is over 30 days of an investigation I have not received a response yet. I feel as if I am being ignored and taken advantage of. By law section 611 ( a ) states that failure to investigate items within 30 days requires an automatic deletion. It has been over 30 days i request these items be removed, if not I will file for litigation due to the stress this has caused 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 2018-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.

Complaint:
On XX/XX/2018 I received a phone call from XXXX, there was an automated voice that said to speak to someone about getting 9 % off credit card balance press a number. I pressed that number to speak to someone to cancel my credit card. A live person spoke to me and said I owed {$1000.00} on my card, I said I do not owe any money on my card and asked if they were with Chase bank, he said he was, I asked for his name he said " XXXX XXXX '' and then he started to swear at me vulgar things so I hung up. I then called Chase bank and reported it to them, they said the person who called me is not a representative of Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
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: AMERICAN EXPRESS COMPANY

Complaint:
As of XXXX and XXXX XXXX has nothing about the fraud charges on my account. 

From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York [ XXXX ] XXXX DOB XX/XX/XXXX LIC : XXXX NEW CARD NUMBER : XXXX XXXX XXXX To : American Express Serve Customer Care XXXX XXXX XXXX XXXX, GA XXXX Certified Mail : XXXX XXXX XXXX XXXX XXXX Dear Serve Customer Care I am writing to let you know that your Credit Card company has not done a thing in the fraud charges on my account with XXXX XXXX from XXXX XXXX XXXX  {$62.00} XXXX XXXX XXXX XXXX of {$49.00} XXXX XXXX XXXX XXXX {$120.00}, XXXX XXXX XXXX  for {$3.00}, XX/XX/XXXX XXXX  {$30.00} XXXX XXXX XXXX XXXX  {$27.00}. This is amazing!!! Never did any business with these Merchants! Please help. 
I have called over 20 phone calls to your company call XXXX XXXX ; they have completely refused to send any validation of any receipts nor any evidence of transactions that took place on his account! 
The customer service is a very big problem located in the XXXX XXXX  which is absolutely horrendous quite frankly disgusting where they do nothing in that country in XXXX XXXX! 
Then you state to the issue and they do absolutely nothing help you and then they disconnect your phone call! What a Joke! 
As of XXXX, the XXXX XXXX we have no evidence from American XXXX  card that these charges were fake by a unknow merchants and not legitimate, and they denied the investigation and kept the money installed from the customer. Please see attachments. 
I would like to have the people in charge of investigating the fraudulent charges immediately fired from your company. 
You can contact me anytime my mailing address or phone number, but this is quite frankly discussing how this whole thing is developed and there has been absolutely no help in this matter. In Final the inquired done by American XXXX  did nothing! About your charge ( s ) from your Bluebird Prepaid Debit Account in the total amount of {$1000.00}. Based upon our investigation we have determined that no error occurred and that transaction ( s ) in question was authorized. Is a False Statement XXXX sign of laziness by this pathetic company that is in the XXXX XXXX and there has not been one American person that is looked this thing over in the United States of America it is quite frankly disgusting that these issues get sent overseas! 
Statement from a Unknow person in XXXX XXXX XXXX : Therefore, the transaction ( s ) is not eligible for credit to your Account. Depending upon the nature and scope of the fraud, the bank may decide to notify law enforcement. The XXXX XXXX did nothing! 
This is sign under the penalty of perjury of the fraud charges place on my account with no evince of my signature nor any consent!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
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: Resurgent Capital Services L.P.

Complaint:
LVNV collections are refusing to remove accounts from my credit report. I'm currently on the phone in regards to this matter with the agent/supervisor. This is damaging my reputation which is a violation pursuant to the FCRA. I've applied for credit and was denied due to this, I also have a right to privacy and theyre willingly and knowingly reporting inaccurate information on my credit file. I also never gave this company my written permission to furnish on my credit file. They have stated that theyre not required to provide a consumer with a validation of debt, and that a verification of debt is all theyre required to do. I'm disputing this account on those grounds. I do not validate this debt at all, so how can they validate?. They can not, so i'm requesting for these alleged accounts to be removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.

Complaint:
I went to the car dealership. Asked the price of the car. The guy came back with the price and I told him no thanks. Somehow he ran my credit with equifax without my authorization. I had purchased a car from them the year before and I think thats how he got my info. I did not sign anything I did not apply for financing at the dealership I told them I was just shopping around at the moment getting prices and test driving cars. I called equifax and they told me I would have to call the dealership to remove the inquiries. The dealership told me they were too busy to call equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
I appreciate your assistance in REMOVING a piece of the data in my credit file that resulted from FRAUD, however, I have an item passed on that should be removed or banned. According to FCRA section 605, credit bureaus are required to delete any records found on an ID THEFT REPORT. I proactively remembered this report from a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. XXXX XXXX XXXX XXXX {$1000.00} XXXX  XXXX XXXX {$690.00} XXXX  XXXX {$13000.00} XXXX  XXXX {$300.00} XXXX  XXXX {$11000.00} XXXX XXXX XXXX XXXX {$590.00} XXXX  XXXX {$19000.00} XXXX FI XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX  XXXX {$4000.00} XXXX XXXX {$1000.00} XXXX  XXXX   XXXX {$1200.00} XXXX XXXX {$990.00} XXXX XXXX XXXX {$100.00} XXXX  XXXX   XXXX {$590.00}

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 2022-05-18
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: Upgrade, Inc.

Complaint:
I would first like to start and say that it saddens me that I have to file a complaint so I can be heard from Upgrade. First, I filled a complaint XX/XX/XXXX regarding my past two late payments. As of XX/XX/XXXX, I did get a response from Upgrade granting the removal of the two late payments from XXXX of XXXX, which was done, but only for two weeks unfortunately. I checked my three credit scores on XXXX, XXXX, and XXXX on XX/XX/XXXX. The removal was successful for only XXXX and XXXX. Currently, as of todays date, Ive paid my Upgrade balance in full and currently XXXX states the two late payments were removed successfully, XXXX states I have one late payment on XX/XX/XXXX, and XXXX XXXX I still have two late payments from XXXX XXXX. I still want to do business with Upgrade, but the inaccuracy on my credit report is causing me much distress. Ive already spoke to XXXX and XXXX from Upgrade, which they both stated that my credit report should be reflected accurately by now. I just want to move past this and move forward and continue to do business with Upgrade.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!

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 2017-09-09
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:
With the recent data breach affecting Equifax, I am concerned with the security of my credit/personal information at their bureau. In effect, the security at other bureaus concerns me as well.
It worries me that 1 ) the hacks were known nearly a month in advance of the reports breaking about a breach and 2 ) recent reports have shown 3 managers sold stock in the company before the hacks even happened, leading to a suspicious narrative around inside gaming and trading.
The result of this breach, if the reports are to be believed at their worst conclusion ( personal data is now public ), I can never truly feel protected from identity theft, or worse, even by our most trusted institutions, and must have permanent restrictions ( such as credit freezes ) on all my accounts to protect my identity and financial security.
As a concerned citizen, thank you for looking into this.
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.

Complaint:
I spoke with a csr, XXXX id # XXXX and this was the third attempt at setting up a payment plan. In XX/XX/XXXX, I was set up for this plan and was on the phone with them for an hour. This plan was set up then the next month, XX/XX/XXXX I was told it was set up but not approved and was told it was not denied just not approved and that rep was fired. No information to me regarding that at all. I called to change the payment date and had to just cancel even after speaking with a so called manager XXXX who was telling me the same information. I was told that the prior rep had not put in place the second part of the original payment plan. I called today XX/XX/2018 spoke with XXXX who told me it was denied because they needed more information from my cosigner. I explained my cosigner is taking care of my dad who just went through XXXX XXXX and can not talk for the second time in a year. I was then transferred to a manager XXXX who asked how I was related to the cosigner and who the cosigner was taking care of my grandfather or my father. There was no listening and it was a recorded line. They asked me several times for payment and what the relationship was again not listening. They just want information from my cosigner because it says she has the ability to pay the XXXX. No idea where they were getting this minimum payment as the minimum is XXXX. I told them I am the one calling and trying to set up a plan to pay. I have the ability to pay XXXX but they want more information from my cosigner. I have stated I can not pay more than the XXXX and they want to talk to her to get more money. This is the second complaint I have filed. The first one was years ago after successfully completing a plan to remove my cosigner which was denied because it had to be a plan for interest and principle which it was but there was no stipulation online or with a rep regarding that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
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: 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.

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 2022-11-21
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. These items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$60.00} ; XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation