hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-10-29
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:
I obtained a copy of my consumer report and saw accounts on it that were not authorized by me. I contact all three major reporting agencies informing them that they were in violation of federal law. There are numerous violations of the federal law, the FCRA. Pursuant to 15 USC 1681 ( a ) ( 1 ), congress made clear findings that my consumer report must be fair and accurate to me, the consumer. The reporting agencies have assumed the vital role in assembling and evaluating consumer credit, on their own. By law, pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies have grave responsibilities of fairness, impartiality and respect the consumers ' right to privacy. My right to privacy has been infringed upon, and I have never given up my right to privacy, nor did I authorize them to report any information on my consumer report. The erroneous and fraudulent reporting on the reporting agencies ' part has caused me financial harm and adverse action against me. I have never given Experian, XXXX or XXXX consent to report any accounts on my consumer file, making this aggravated Identity Theft. All three agencies are also guilty of conspiring with these companies to violate my federally protected rights. Pursuant to 15 USC 1681 ( c ) ( a ), information excluded from consumer reports ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) any other adverse information. Any harmful, inaccurate account furnished to my consumer report is an adverse action. 
After I sent certified letters to the reporting agencies, they responded saying these accounts were verified. This I know to be not true pursuant to 15 USC 1681a ( e ), there must be an investigative report with the source of the report coming from interviews of family and friends. I do allege there is no such verification exists.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
my account is on hold and closed with bank of america with over {$7000.00} in it i have reached out to bank of america benefits card holder several times the hold was because of an identity issue with was resolve with the department of maryland unemployment my identity is verified i no longer have a hol with unemployment habe been expressing this issue to bank of america over XXXX times and they still will not release my funds in the closed acount

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 2017-05-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC

Complaint:
In  XXXX   XXXX  the finance company on my car  Prestige Financial i n Utah offered me a special offer of  XXXX , my normal payment is  XXXX . I agreed to take the lower payment. When my banking account was charged it was overcharged in the amount of  XXXX . I called Prestige immediately to resolve the issue which they flat out refused to credit my account for their mistake. I called my bank and reported it as fraud. I have prove via e-mail on the offer. Ever since then my account has not been accurate. They have been applying my payments for  XXXX  to the payment in  XXXX . They claim I missed  XXXX  's payment. Every time I call I get some rude person on the phone or my account  manager   XXXX   XXXX  refuses to speak with me or go over my account or billing. She only responds via email. For  XXXX  and  XXXX   XXXX  my account manager decides to do a deferment on my account, with my next payment not due till  XXXX . I did n't really want the deferment as I wanted to make my payments as usual. The company has my car repossessed on  XXXX . Now I 'm trying to get my car back but again it 's the complete run around and they do n't even have my billing correct. Every time it 's a different amount that I somehow owe. This lender is the worst. They are saying I owe currently  XXXX . This includes my payment not due till  XXXX  which again today is  XXXX . Minus the  XXXX  payment of  XXXX  that leaves  XXXX  they are saying I owe for  XXXX . I have an e-mail clearly stating that from the last payment I made of  XXXX  in  XXXX  that  XXXX  of that  XXXX  cleared  XXXX  and I now had a credit on my account of  XXXX  dollars. None of their billing ever makes sense and the account  manager  never is accurate with her figures. If she ca n't calculate math she needs to find a new profession.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
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:
Someone has used my information to apply for credit without my authorization and knowledge. And as a result I am a victim of identity theft. They have caused damaged to my consumer credit report by reducing my credit score and preventing me from actually obtaining credit. I I have no knowledge of neither have I authorized those credit inquiries. 
Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX  XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.

Complaint:
Hello, I had a credit card that had a 0 % interest until XX/XX/XXXX ; on XX/XX/XXXX I paid it off in full. Or so I thought. I miscalculated and was short {$27.00}. Upon which, the company charge me the full interest of the total amount outstanding, which is over {$800.00}. That can hardly be right?

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 2022-08-16
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXXXXXX XXXX XXXXXXXX

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 2015-03-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Collection Systems, Inc. (OH)

Complaint:
I have a debt on my credit report for American collection systems for XXXX New York that should not be there because XXXX servicing is already handling all my school loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
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:
Hello, i been requesting to confirm unknown accounts in my report. also i it showing some inaccurate accounts in my report. unfortunately i have not received any response. I had send letters in XX/XX/2021, XXXX, XXXX, XXXX and i will send a new request this month. i had send proof that account is reporting inaccurate but no responses.

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 2022-07-08
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: Experian Information Solutions Inc.

Complaint:
I received alerts on my credit report. When I check my report I don't recognize the listed inquiries. XXXX XXXX XXXX XXXX XX/XX/22, XXXX  XXXX XXXX XX/XX/22, XXXX XXXX XXXX XX/XX/22, XXXX XXXXXXXX XX/XX/22, XXXX XX/XX/22, XXXX XXXX  XX/XX/22 XX/XX/22, XXXX XXXX XXXX XX/XX/22, XXXX XXXX XX/XX/22, XXXX  XXXX XX/XX/22

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 2023-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX, has violated my rights. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2023-02-12
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:
ON XX/XX/2023 THERE WAS AN INQUIRY ON MY CREDIT REPORT ACROSS ALL 3 CREDIT BUEARUS ( EQUIFAX, XXXX AND XXXX ) FROM AN " EQUIFAX MORTGAGE SERVICES '' COMPANY. I DO NOT RECOGNIZE THIS INQUIRY AND WOULD LIKE FOR IT TO BE REMOVED. I HAVE ALREADY TRIED TO SOLVE THE PROBLEM WITH THE COMPANY. 

THE INQUIRY WAS UNAUTHORIZED AND I NEED IT TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint:
I have disputed the bankruptcy twice with the credit bureau that it's inaccurate and needs to be verified. They keep responding that it has been verified but I have yet to receive something in writing verifying that it's accurate. This is for all three credit bureaus. I want the information to be properly verified and if not removed. 
There is also a XXXX  XXXX  account for {$130.00} XXXX that I asked for verification and still have yet to receive the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
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: Affirm Holdings, Inc

Complaint:
My identity was stolen to open small unsecured loan in the amount of {$950.00} with a lender called AFFIRM Inc. On XXXX XXXX, I supplied AFFIRM Inc. with the documents they requested to formally dispute the account. These documents included a signed affidavit, police report, and copy of my government photo ID ... as directed. However, sadly, they have become non-responsive to me in this matter. I suspect in doing so, they hope the unpaid loan will move to a collection agency so they dont have to deal with it. 

I have re-sent the information NUMEROUS times but they ignore my emails requesting a status update. Calling them results in speaking with low tier individuals they are unable to tell me the status of the case. 

I will try to attach all documents if the system allows ; Identity Theft Notification & Affidavit, and a copy of the police report. 

I have disputed this twice with XXXX  but they continue to side with Affirm who states I am liable for the loan. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY

Complaint:
I made a payment to American Express on my Personal Loans account. The payment did not initially clear as my employer was late releasing reimbursements to me because of COVID related staffing issues. Amex immediately re-presented the check and it was then cleared by my bank. I have called Amex multiple times and even did a conference call with our bank with AMEX who confirmed that the funds were released from our account to Amex via ACH on XX/XX/XXXX. Our account with AMEX still reflects that the payment was returned and we have not been credited for the funds they received on XX/XX/XXXX. Amex has also advised that we have 'one profile ' and they have retricted our ability to utilize the XXXX XXXX  because they still show the payment as not being honored. We have been AMEX cardholders since XXXX. My credit line or in Amex speak purchasing capability has essentially been eliminated and now all payments require a five day hold! I called this morning and after an extended hold got a recording that their systems were not working and they could not help us. I am very dissapointed in AMEX, so much for showing any empathy or understanding during COVID, I have literally spent hours on the phone with AMEX to resolve this to no avail. Everytime I call I get routed to collections ( even though the account is current ) and then get emails after the fact that I have made a " promise '' to make future payments. Something is very wrong here. I suspect the customer service agents I am talking to are in fact collection agents and instead of resolving the issue they get paid incentives to get reflect on my account that a " promise '' has been extracted even though that is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
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: CAPITAL ONE FINANCIAL CORPORATION

Complaint:
I received an email on Monday, XX/XX/2020 at XXXX XXXX  that I had been declined for a credit card with CapitalOne. I immediately contacted CapitalOne and notified them of a fraudulent application in my name. After answering questions CapitalOne was convinced that fraud had taken place. I was advised and assured that I would be receiving a letter and that the three credit bureaus would be notified. Nothing has happened and I want to be assured that my score is not harmed as a result of this fraud. 

Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-24
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: Experian Information Solutions Inc.

Complaint:
I'm requesting a Reinvestigation of every XXXX listed below because I did not authorize that my credit be run like this. This makes no sense to me at all! I want to know why these companies ran my credit report this many times, the way they did. This is definitely a violation of my rights In Accordance With the Fair Credit Reporting Act. These items could not have been reviewed or investigated correctly, look at how many times my credit was repeatedly run back to back! Incorrect Inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is inaccurate reporting, which is a violation of my federally protected rights. I am really upset about this obvious oversite, and it seems as though someone is deliberately trying to ruin my credit. XXXX XXXX XXXX section XXXX A. States that I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : XXXX that the consumer reporting agency can not furnish an account without my written instructions. I never provided any kind of written instruction for my credit report to be run like this. Someone should have noticed these mistakes other than myself! I am really upset about this type of inaccurate and negligent reporting. XXXX XXXX XXXX ( A ) ( XXXX ) XXXX that no consumer reporting agency may make any consumer report containing any of these items of information. My authorizing any company to run my credit report like this is False. XXXX XXXX XXXX ( A ) ( XXXX ) 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. This is this is apathy to me. It's also plain to see that no consumer would give consent to run their credit back to back like this, knowingly ruining their credit, especially me. Someone should be held responsible for this and deletions done immediately.

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 2020-06-11
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 
CHAPTERXXXXBANKRUPTCYDISCHARGEDXXXX XXXX {$2800.00} XXXX {$740.00} XXXX {$2000.00} XXXX {$2800.00} XXXX {$2000.00} XXXX {$960.00} XXXX {$1300.00} XXXX {$2000.00} XXXX {$1300.00} XXXX {$1500.00} XXXX {$2200.00} XXXX {$790.00} XXXX {$460.00} XXXX {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY

Complaint:
PLEASE FIND ATTACHED THE CREDITORS LETTER FOR WHICH THEY HAVE APPROVED TO REMOVE THE LATE CHARGES AND NEGATIVE MARK FORM MY CREDIT REPORT SINCE I WAS A XXXX XXXX AT THAT TIME AND FOR SOME REASON IT WAS NOT PAID ONETIME. PLEASE HAVE THIS REMOVED FROM M Y CREDIT AND ALL THREE BUREAUS

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 2021-12-02
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 letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC

Complaint:
I am a victim of ID Fraud. I have never opened nor authorize anyone to open an account on my behalf regarding Portfolio recovery. I have never had an account with XXXX as well who is the original creditor. Please delete this from my credit asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
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 to fair credit reporting act XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A section 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