hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2018-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Total Card, Inc. (PA)

Complaint:
I have the first access credit card by total visa. I have had this card for over 6 months and have paid my bill every month. I asked for a credit line increase even it was a small one and the last three times they refused. I make enough money I am trying to improve my score but I cant do that with the current limit that I have. I have been a good customer they need to raise my limit. I am frustrated that they used computer software to determine approval or not. What happened to the old fashioned person looking at the account. I am disappointed and frustrated with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
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. (TX)

Complaint:
I had a fraud alert placed on my credit file that indicates anyone who runs my credit should call me for verification and this was not done and it violates my rights as a consumer. I have reached out to the credit bureaus on more than one occasion to advise of my credit being pulled without my permission and received no resolve. I have also attempted to dispute these unauthorized inquiries multiple times to no resolve.

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 2021-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Complaint:
I received a couple mailed notices and emails stating that they required a physical address to not have my account restricted. Today XX/XX/2021 I contact Capital One only to be xferred 5 times and told without them being able to get a copy of my drivers license they would not be able to update my address or phone number. I will not provide them with my drivers license as they already have all of my personal information. I was not able to use my card at the store as it declined due to me not giving them the physical address that they state is a requirement of the federal government.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

Complaint:
XX/XX/2019 To whom it may concern, I would like to file a complaint regarding Capital One. I called Capital One this XX/XX/2019 to have my ex-wife removed from an account she is a co-applicant. Back in XXXX I was exploring debt relief options and this was my reason for requesting her name be removed. Note she never used this account. I was told no problem by Capital One and they would remove her name. I also, asked my account be closed. Unfortunately, I failed to get documentation from Capital One she was removed from the account. Please NOTE I would never had closed this account without her name not being removed. I know enough that once an account is closed you definitely can not request a name to be removed. 

My ex-wife messaged me the week of XX/XX/XXXX that her credit report showed late payment from Capital One. I was totally surprised and caught off guard because I thought her name had been removed. I began process of filing for XXXX XXXX Bankruptcy in early XXXX. I called Capital One twice and explained the situation. I was told whoever I spoke with back in XXXX mis-spoke. Again my fault for not having requested this documentation. 

I explained to Capital One I could email our Consent Order from our divorce spelling out I was solely responsible for this account. I pointed out that her credit was being affected it should not be. This fell on deaf ears as Capital One did not even want to see this Consent Order. I had been a loyal paying customer for over 15 years to Capital One. I am certain they made plenty of money off interest charges. Its just upsetting I was led to believe the ex-wifes name was removed only to find out I was lied to. How I wish we could play back our conversation as I know they record every call. 

I am hopeful someone from Capital One has compassion and a kind heart to recognize our situation and to correct this situation. I dont agree with my ex-wife on just about everything however, her credit should not take a hit given I was told Capital One would remove her name off the account. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
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: Global Lending Services LLC (OH)

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 602 states I have the right to privacy 15 usc 1681 604a 2 also states a consumer reporting agency can not furnish an account without my written instruction. 15 usc 1666b a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
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. (PA)

Complaint:
My name is XXXX 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 inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Simon's Agency, Inc. (PA)

Complaint:
Simons Agency is refusing to remove the open balance on there end even though it is deleted from my credit report. It say I owe two payments which are false because I went to the XXXX XXXX XXXX in the XXXX XXXX which was a free health clinic. I should have never been charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Complaint:
On XXXX XXXX I made a payment of {$400.00} on my Bank of America Credit card. On XXXX XXXX interest charges of {$77.00} was applied to my account. I received a statement and on XXXX XX/XX/2020 I paid the balance in full of {$9700.00} of which the due date was XXXX XXXX. On XXXX XXXX I received a statement with interest due that was applied on XXXX XXXX on a zero balance. No purchases were made on the account from when the last interest charge was made only payments. I contacted the customer service on XXXX XXXX who refused to remove the charge.

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 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (WY)

Complaint:
XX/XX/XXXX I requested XXXX loans, XXXX for {$4000.00} and XXXX for {$2600.00} ( total {$6200.00} ), to attend XXXX XXXX XXXX in XXXX, WY. I graduated XX/XX/XXXX. 

Over the next several years I paid my loan to XXXX XXXX intermittently at best. I took forbearance 's and deferment 's as much as I could, paying when I could. I now work in the railroad industry, and work has been on and off over the years, as were my payments. Over the last several years my payments have been on time. I have paid over {$12000.00} since XX/XX/XXXX ; I do not have records of the payments I made over the 10 years before that. 
At this point I have paid over double the amount borrowed. At the current rate should I continue my current payment plan will end up paying approximately six times the amount borrowed. XXXX XXXX and now Navient have raised my payments over the years. I had got them at one point to lower my payments only to have the raise again recently to over XXXX dollars a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
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: EQUIFAX, INC. (NV)

Complaint:
What is this complaint about?

EQUIFAX BREACH What type of problem are you having?

CALLS FROM UNKNOWN PERSONS THAT HAVE MY SOCIAL SECURITY NUMBER. INFORMATION RANSOM CALLS.

What happened?

EQUIFAX BREACH What company is this complaint about?

EQUIFAX Who are the people involved? MY SELF, EQUIFAX, DARK WEB, PEOPLE WITH MY SOCIAL SECURITY NUMBER, DL NUMBER, ADDRESS, HOME PHONE, JOB INFO, PAYMENTS & BANKING INFO

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
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: Veros Credit, LLC (FL)

Complaint:
Dear Veros Credit, I, XXXX XXXX, applicant, received your letter dated XX/XX/2023. Please explain your reasons for denying my application. In addition, the car dealership XXXX XXXX XXXX XXXX stated verbally, including in CFPB Complaint ID XXXX response dated on XX/XX/2023, that " the bank '' ( Veros Credit ) are " requiring '' a cash down payment. I am demanding that Veros Credit provide verification of XXXX XXXX, XXXX, statements that Veros Credit are requiring a " Cash Down Payment '' to proceed with the transaction I issued with XXXX XXXX XXXX XXXX, dated on XX/XX/2023. Please see attachments. Thank you! XXXX XXXX ALL RIGHTS RESERVED UCC 1-308.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

Complaint:
Midland Funding reported a collection account on my credit. I asked for validation of the debt since I was not notified by Midland Funding that they were reporting anything on my credit. Midland ignores my request for validation, yet they continue to report this erroneous account on my credit. 
Midland Funding is in violation of the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

Complaint:
I complained XXXX of 2020 about incorrect information of late payments on my credit report and did not hear back from Select Portfolio Services regarding the problem. I sent to them copies of my bank statements as proof that I had made my payments on time but got no reply. 

My name is XXXX XXXX. Account XXXX and XXXX. Select Portfolio Services assigned these numbers to my accounts ( Consumer Credit Report : # XXXX ) XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
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: EQUIFAX, INC. (TN)

Complaint:
i reported XXXX re-aging my account to equifax and requested that they remove the debt because according to consumer law " When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. '' equifax said they did an investigation and the re-aging dates were still on my account. 
as per the attachment equifax never did an investigation or made sure the debt was valid on their site. 

equifax let XXXX  re-age my account for their persoanl gain. 

equifax complied with bridgecrest and since transunion gets paid by bridgecrest to report both parties willfully conspired to deceive me and harm my credit for their profit and gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint:
I submitted a dispute in regards to inaccurate information in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

Complaint:
In accordance with the fair credit Reporting act XXXX Account # 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 account under an open end consumer credit plan as late for 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 non-monetary relief
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Complaint:
Account disputed several times over the past 6 years. Contacted collection agency and original credit account holder. The account has never been verified as mine and may be a case of fraud. Previously removed from all three credit bureaus. Now re appears under another name as if account opens in XXXX. Call collection agency and agency stated account originally opened in XXXX. I have no knowledge of this account. I would like help having this item removed from my account. This is fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23
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. (TX)

Complaint:
After reviewing my credit report I noticed there was several companies that were not authorized to check my credit, therefore the inquiries from these companies are considered fraudulent.

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 2018-07-13
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. (GA)

Complaint:
In XX/XX/2018, I submitted identity theft information to Equifax regarding someone else 's information that is being reported on my credit profile. Enclosed in the packet was information from a lot of service providers who were attempting to collect on an alleged debt. This information was directed to a XXXX XXXX, and this person is not me. However, On XX/XX/2018 I received a document from a third party agency name XXXX. This company enclosed my entire identity theft packet. ( XXXX XXXX ). It included that Equifax was the company who sent them the packet. This packet included a lot of information regarding other companies. Equifax released all my PRIVATE information to a company who I do not know and this is a breach of Privacy. I am very upset as to what this has done. Now all my information is vulnerable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$460.00}

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 non-monetary relief
Consumer complaint received 2023-04-08
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: EQUIFAX, INC. (PA)

Complaint:
In accordance with " The Fair Credit Reporting Act Convergent '', Equifax Mortgage XXXX on XX/XX/2022, XX/XX/2022, & XX/XX/2022, has violated my rights by way hard inquiry on my credit report. 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
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. (FL)

Complaint:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached my FTC report that was sent on XX/XX/2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to 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 explanation
Consumer complaint received 2022-01-11
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (TX)

Complaint:
I have been using PayPal for a very long time, and have always trusted that they would look out for me as their customer. Yesterday, a foreign address charged me for some product that I absolutely did NOT buy, and charged my bank account that is linked to PayPal. I filed a dispute, stating very clearly that I did NOT authorize this purchase, and PayPal took the side of the foreign company!!!!! I went directly to my bank, showed them the transaction, and they immediately knew that this was fraud, and my banker told me that this " should have been obvious '' to PayPal. Now I am wondering if someone at PayPal broke into my account to try to steal from me. I am currently discussing options with my attorney regarding this matter. I am VERY upset. DO NOT USE OR TRUST THEM!!!!!! PLEASE!!!!!!!! They WILL absolutely steal from you!!!!!!!!

Company response to consumer: Closed with explanation