hpe-ai/customer-complaints-train.csv huggingface dataset:
Consumer complaint received 2022-10-18
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:
This is one of the many that I sent that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

The following account need to be removed as they are fraudulent. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$0.00} If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.

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 2021-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.

Complaint:
CC CB/VICSCRT XXXX XX/XX/XXXX {$0.00} CCB/CHLDPLCE XXXX XX/XX/XXXX {$0.00} medical EMERALD AR XX/XX/XXXX {$1100.00} XXXX 'S XXXX XX/XX/XXXX {$56.00} HLTHCARE COL XX/XX/XXXX {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
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 have an old credit card account listed on Experian as " XXXX XXXX XXXX XXXX XXXX listed as " Open '' which is incorrect. The account was closed three to four months ago and I let Experian know that it is being incorrectly reported as open when in fact it has been closed for a long time. This account was never reported as late or anything like that. 

Experian verified within 24 hours that the account is indeed open, despite me sending a copy of a letter from the creditor, dated three months back, that the account is closed. I am not sure why they think the creditor letter 's lack credibility. I am not sure if they bothered to even read the letter I provided them from the creditor. It clearly states the account was closed. It was at my direct request. 

I submitted a second dispute with much of this information contained herein and called Experian dispute department to ask a few questions to see if I can get this resolved correctly this time. 

The Experian representative claims Experian contacted the original creditor who verified the account was open. I do not believe this is truthful. He then stated I filed the wrong kind dispute the first time. The dispute was under category " account closed '' He said the second dispute was the right category. It's the same category both times. I question whether he even looked at the first dispute. 

He became argumentative very quickly after I pointed out it's essentially the exact same dispute a second time. It took several requests to have him let me speak with a supervisor. After holding for a while, the representative stated he can not wait more than five minutes and so I need to wait for a call back to speak with a supervisor. 

Given they can not be bothered with reading a letter in PDF format from the original credit, I doubt it even matters IF a supervisor even calls back. 

Experian is blatantly violating the FCRA by not investigating a dispute that has obvious merit.

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 2020-09-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Glass Mountain Capital, LLC

Complaint:
I kelp receiving phone calls from a company saying they were collecting a debt, however the company that they trying to collect has fraudulent information. I have proof from one of the statements with a different account information were listed must be same companies with different cards that were issued. It looks like they amount were from XXXX and the company says bills were from XX/XX/XXXX-XX/XX/XXXX and the debt look much older and the company wants to make as it look charges were recent. I have called the company to resolve this issue no one wants to talk they only talk in threatening language and wants to add me to that's over 7 years ago on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
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 — Was not notified of investigation status or results
Company: Total Card, Inc.

Complaint:
This is a formal complaint against XXXX. I asked XXXX for a human review of the late credit card payments placed in my credit file from companies : Total Card XXXX ; and XXXX XXXX XXXX, to provide me with written proof of their compliance with Law 16 USC 1666B. I want Total ; and XXXX XXXX XXXX to remove the credit card late fees reported on closed accounts with XXXX balances. The late payment reports are with XXXX XXXX and XXXX. This credit card accounts are closed. Additionally, the date of the late payments are not accurate. I mailed certified letters to XXXX on XX/XX/2023. After 30 days I did NOT receive communications from XXXX regarding my written request. On XX/XX/2023, I mailed second notices to XXXX via certified mail. I requested XXXX to show me written proof of their manual human investigation Total, and XXXX XXXX XXXX credit cards. On XX/XX/2023 XXXX notified me via email. The email notification informed me that the results of my disputes are ready to view online. In order to review the results I had to log on to my XXXX account online. Unfortunately, XXXX did not complete a manual investigation. XXXX did not respond to my written request within 30 days nor did they provide written proof of the investigation nor did they provide me with proof of the creditors compliance to Law 16 USC 1666B. I want XXXX XXXX XXXX to remove the late payment report they reported to my credit reports with XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
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:
On ( XX/XX/2021 XXXX XXXX XXXX Account # XXXX ) add a derogatory mark on my credit report per XXXX XXXX. upon, further research, this account was transferred/ sold and i am no longer responsible for the account. Debtors ' creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA ( XXXX XXXX XXXX Account # XXXX ) has violated my rights as a consumer and i am requesting legal action to remove this account 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 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC

Complaint:
I have been trying to get these fraudulent transactions removed from my credit report for over 2 years. I have put countless disputes and nothing has happened. I have not received any response or help or proof regarding why these accounts are still on my report. besides the late payments. the FED STudent loan has accounts on my credit report that have been closed with XXXX balances and they still refuse to remove them. 

This letter is to inform you that my rights have been violated and you have unlawfully reported LATE payments. There are transactions and experiences being reported as LATE on my consumer report and with knowledge of my rights as a consumer in accordance with FCRA : 15 U.S. Code 1681a. This letter will serve as formal notice. 15 U.S. Code 1681a - Definitions ; rules of construction | U.S Code | US Law LII / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681s -2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - Exclusions - Except as provided in paragraph ( 3 ), the term consumer report does not include - ( A ) subject to section 1681s - 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Late payments are considered TRANSACTIONS and utilization is considered an EXPERIENCE, so I am confused as to why you are reporting late payments from ( XXXX XXXX XXXX XXXX XXXX XXXX  ) ( AMERICAN CREDIT ACCEPTANCE XXXX ) ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) when such an action is a clear violation of my consumer rights in accordance with the FCRA ACT! 

As a Consumer Reporting Agency, you hold a responsibility to report Consumer information to the best of your ability with XXXX XXXX. That is your duty and as a consumer, I am protected under the FCRA ACT 15 U.S. Code 1681. If you feel that said protection is not mines to have as a consumer, I will REQUIRE that you provide me with PROOF of an investigation into the accuracy of said late payments and statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to Paid on Time and NEVER late! Or remove it from my consumer report all together.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
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:
These are not my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15
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:
I contact the credit bureau to have them remove these inquiries off my credit report and I got a response back stated these items are not removed and I'm request this again to have it removed immediately! None of these inquires are mines. I have not never contact these companies nor gave these companies my information to have them check my credit profile. 

Please have these remove immediately 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 I'm XXXX XXXX have this remove or Ill have to procced with legal actions.

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 2020-10-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Michael Wayne Investment

Complaint:
I lost my job in XXXX due to the coronavirus and was not able to get unemployment I been filing and calling and appealing my claim but still no money I lost my house and staying with my parents I told this company that and they have a device on the car to stop it with no payment. Do they stop my car I told them that I finally found a temporary job its temp to hire and it starts this Monday XX/XX/XXXX I sent the email and ask please send a signal to my call so I can go sign my paperwork to start they told me Im behind on my note and that they would not be able to send the signal unless I pay XXXX dollars I cried on the phone begging and pleading eith them I told them I didnt have it that my family has helped me since XXXX I can give them XXXX dollars and with my fist check in XXXX I could pay XXXX every two weeks they told me no and the guy XXXX was very rude abs belittling and I ask to speak to the manager XXXX and he told me she was in a meeting and that the information came from her I cried I said please let me talk to her he told me she would call me after the meeting its now XXXX on Friday XX/XX/XXXX I guess shes still in the meeting this is the worst company to get a car from I will never do business with them again I told them to come get the car I have been through too much this year I lost my XXXX to the XXXX  and I lost my XXXX  to XXXX/ the XXXX  I lost my house my job and now my car

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 2022-07-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.

Complaint:
I received an sms for a debt from " CBE Group '' # XXXX. I proceeded to call them and got through to a representative. Its from an XXXX collections account from XXXX  according to the rep and there is approximately {$45.00} dollars due, not worth our times so i negotiated and we made it to {$20.00} the price he offered and we both agreed on, I provided my credit card and address to pay it off on the same call, and the agent even repeated and confirmed the info, just as he is going to submit, he says " it looks like the lowest amount we can go is now {$25.00}... I told him that's ridiculous and an unacceptable tactic, its not for the {$5.00}, but for the deceptive and in clear violation practice. He then said since I wont accept the {$25.00} the well record it on their end as well as XXXX... This is clearly violating several FTC guidelines ; Public Law 111-203, title X, 124 Stat. 2092 ( 804, 805, 808, 809 ). All this after i provided them my updated address/ my contact info and my credit card information! I want this resolved by them and absolved or going after the full penalty+ suing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint:
I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.

Complaint:
I had an arrangement with  XXXX   XXXX  and was able to make the monthly payment.  ( Approximately   XXXX   XXXX   XXXX   ). Somehow a company by the name of Naviant took over   and my arrangement stopped. I could n't make the {$50.00} payment any longer and could n't reach  XXXX   XXXX  to try and fix and/or renegotiate another monthly amount. I am  retired  and on a fixed income of less than {$1000.00} per month income for both Social Security a nd   OMB Federal Retirement.        I 've paid my loan religiously for many years and want to continue paying it ; however, I can no longer afford a   XXXX   XXXX   XXXX  payment. I have to constantly renegotiate with my creditors each month to pay them as my overall bills  ( rent, utilities, credit cards, etc. ) is more than I currently take in. My health does not allow me to get employment so all I have to live on is my income of less than {$1000.00} per month. I do get {$16.00} per month in food stamps and go to other agencies ( food bank ) and Senior Services to help with food.      I 'd like to pay this and hopefully can get an extended arrangement with  XXXX   XXXX  if at all possible.     Thanking you in advance.      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 2023-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
I have 2 credit cards with Bank of America and I paid my balance in full on both. They sent me a bill for an additional interest charge telling me I have to pay off my balance 2 months in a row without additional charges to no longer receive a bill. Also, the entire finance charge is due vs. having a minimum payment. The agent told me that is because I paid my account off the rolling interest charge doesnt have a minimum due. So basically, I paid my account off and I no longer qualify for a minimum payment but because of purchases that roll over, I still qualify for an interest charge. Pretty sure this is some type of fee gouging. When you pay an account off, you dont expect to get another statement saying you still owe more. Not all credit card companies practice this because Ive paid off quite a few. My credit card balance was {$9800.00} and I paid {$9800.00} BEFORE my due date and I then got another statement for an additional {$160.00}, which is only interest. And that is due in FULL by my due date, no minimum. They could not tell me what balance that interest was determined from either. And again, not all credit cards practice this.

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 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
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:
I reviewed my Consumer Reports and noticed that I had FIVE late payments on an account that I was never late for.

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX  Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thank you.

Company response to consumer: Closed with explanation