hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2021-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (FL)

Complaint:
On XX/XX/XXXX I opened an account with XXXX XXXX XXXX card. At that time, I was given a credit limit of {$8500.00}. I used it to transfer 2 balances from 2 other cards and had a few other purchases but remained well under the {$8500.00} credit limit. During that time, I have paid every month on time and no missed payments. Today XX/XX/XXXX I received a letter informing me that my credit limit was reduced to {$6100.00}. Which has now cause my card usage to go from 70 % which I know is high but was working on reducing it to 97 % usage. That is completely unfair to do and will have adverse affects to my credit for the next several months while I now scramble to try to pay it down. I was told it was due to factors on my credit file, however the only difference in my credit file has been my score that has increased. I used XXXX to keep track of my credit score and when I applied for this card I was in the high XXXX. I am now in the XXXX range and do not understand how a company could put a customer into a position, on purpose, to hurt someones credit file. This is pathetic customer service for someone who has never been late and was given a credit limit 5 months ago only to have the credit card company decide to decrease it.

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 2020-06-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

Complaint:
On XX/XX/XXXX, I received a call from Navient asking me if I wanted support in paying off my student loan balanced. I paid off my student loan balances in XXXX and had not heard anything since XXXX and now they want me to pay late fees on a student loan account I paid off in XXXX, 5 years ago. 
When prompted to review, they indicated they reversed payments but never told me in XXXX at the end of my last student loan payment though I clearly recall a phone conversation with a Navient aid to walk me through final payments on my loan. 
I do not have records as was in an old email account and can not locate the final letter but have not received bills or statements from Navient since XXXX and just now getting this call that I have a balance including late fees 5 years later. I have not received any mail even though I verified they had my correct mailing address on file. It is clearly documented on my account that it there are reversed charges in XXXX and not contact until XXXX. I am unclear on how to file a formal complaint and they will continue to file late charges. They said they reversed charges because I had paid it off but are now charging me for the reverse charges with late fees. The manager who authorized this is XXXX XXXX at Navient. Now my credit score is being impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
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. (CA)

Complaint:
I AM VICITM OF AN IDENTITY THEFT, NUMEROUS TIMES I HAVE SENT MY IDENTITY THEFT REPORT TO EXPERIAN, BUT THEY KEEP IGNORING MY REQUESTS. WHAT IS THE POINT OF ASKING FOR THESE DOCUMENTS IF THEY ARE NOT GOING TO HONOR IT. I AM VICTIM I CAN ONLY PROVIDE THEM THEM POLICE REPORT AND IDENTITY THEFT REPORT, I HAVE EVEN SENT THEM MY NOTARIZED POLICE REPORT AND IDENTITY THEFT REPORT AND STILL NO RESPONSE FROM EXPERIAN. FRAUDULENT ACCOUNTS SHOULD NOT BE REPORTING ON 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 explanation
Consumer complaint received 2020-03-31
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. (GA)

Complaint:
Have repeatedly disputed inquiries on credit report. Credit bureau has not investigated disputes and information remains on report. Investigation not done within the time frame required by law. 

XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
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. (NY)

Complaint:
I have contacted all 3 credit bureaus regarding an account that is appearing on my credit report from XXXX XXXX XXXX! It is showing this account was opened in XX/XX/XXXX and closed in XX/XX/XXXX and charged off as bad debt on the amount of {$550.00}, this is NOT my account as I am a New York State resident and XXXX XXXX credit cards are not offered to consumers in this state! I have lived in NY state since XX/XX/XXXX and have supplied sufficient proof of this and I want this account removed from my credit reports 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 2019-10-30
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AmeriCollect (MO)

Complaint:
This company ( Americollect INC ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood  Woman with my XXXX Given name ( XXXX XXXX : house XXXX XXXX XXXX. 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, XXXX, and the FTC )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MA)

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole  responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2022-11-16
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. (PA)

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

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 a 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 purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Complaint:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

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 2019-08-05
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: EQUIFAX, INC. (TX)

Complaint:
I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan listed here is not accurate - account number, company name, payment history, everything is incorrect..Remove the student loans asap XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX   XXXX, DEPTEDXXXX XXXX, XXXX/DEPTOFED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: D2 Management LLC (CA)

Complaint:
I have been repeatedly called by D2 Mgmt. regarding a debt that they say I owe to XXXXXXXX XXXX on an account they say was opened on XX/XX/2006. D2 states that I owe {$1600.00}. I have told them each time they call me that I do not owe them or XXXX XXXX anything, that I am on permanent XXXX and that I will not pay them a XXXX on a debt that I do not owe. D2 representatives have bullied me, threatened me, stated they will sue me, and refuse to cease and desist calling my telephone. I have checked my credit reports with 3 different credit bureaus at least once a year since 2006 and there has never been an account with XXXX XXXX   shown as in collection or delinquent on any of them. Frankly, I am tired of this company 's threats. Today, I finally told their representative that if they believe they can sue me for a debt that I do not owe, they should do so and stop calling me. The D2 rep did her best to scare and intimidate me and has repeatedly lied to try to get me to pay a debt that I am not responsible for paying. I want it to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

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

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 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 non-monetary relief
Consumer complaint received 2022-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Complaint:
On XX/XX/2022, I fully linked a new checking account with Capital One 's system to use for future payments. The document " All done! Your accounts are now linked '' confirmed the account was setup and ready for use. The payment of {$1000.00} was initiated to zero out my account. Since this was a freshly linked account, I was very careful to correctly select the new account instead of the default account when manually making the payment. I received a conformation email for the payment confirmation and that it was in process. 

There undisclosed was a hold of an unspecified amount of days placed upon my payment from my checking account with XXXX XXXXXXXX XXXX to Capital One. This hold was placed on my account a few months back but I'm not sure exactly when are Capital One won't tell me. The payment is generally fully processed from XXXX 's side within 1-2 business days after I make the payment. Capital One 's hold on my account was unjustifiable and I was not notified in any way that a change or hold was even placed on my account until I realized it was taking longer than usual to access the paid funds. 

On XX/XX/2022 My Capital One account had some fraudulent charges that are currently being investigated. A Credit of {$320.00} which gave me enough credit to start using my card again as I wait for my payment to through. 

on XX/XX/2022 the credit I was given and was given a few days earlier became available. I used my card a on a few small transactions and my card was deactivated and closed down. I called Capital One to understand what happened to my account in which they informed me they terminated my account. The rep I spoke with advised for me to payoff the {$770.00}. Capital One also charged me a late fee on my account and this did incur interest. She also advised after the payment posts, to call back to begin the investigation process as to where the error occurred. 

After this conversation, I called back on XX/XX/2022 after the payment was posted and I was transferred to the collections department. The rep could not assist in initiating an investigation. I requested to be transferred to a customer service rep who could initiate the investigation. All reps were uncooperative in initiating my request of this investigation into the closure of my account which is another violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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. (TX)

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account XXXX XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
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. (IL)

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc. (PA)

Complaint:
I.m paying my car loan and it is under agreement cause of financial hardship cause the bank agreed for me to pay XXXX payment in amount of {$390.00} installedments and agree for me to pay XXXX payment on the XX/XX/2022 and they send that information to the credit Report and say that was XXXX days late but we both parties agree that it wont be send in ..and i notice that they mess up my credit score in the amount of {$590.00} ... and i want to dispute this amount cause the bank fail on they agreement that it wont be reported cause of my Financial Hardship need to come to a conclusion on this issue..thank you..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some time now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX   XXXX XXXX  XXXX US DEP ED XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX USDOE/XXXX XXXX US DEP ED XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEP ED XXXX DEPTEDXXXX XXXX DEPTEDXXXX   XXXX USDOE/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