hpe-ai/customer-complaints huggingface dataset:
Consumer complaint received 2020-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Complaint:
PRIOR TO XX/XX/2020 MY FEDERAL STUDENT LOANS WERE XXXX XXXX+ ON XX/XX/2020 STUDENT LOANS AMOUNT INCREASED BY {$63000.00} AND I AM NOT IN SCHOOL ANYMORE. THE TOTAL STUDENT LOANS ARE NOW TOTALING {$120.00}, XXXX AND THE NUMBER OF STUDENTS LOANS WENT FROM 19 TO 38. THIS INFORMATION IS INCORRECT AS THE DEPARTMENT OF EDUCATION ONLY ALLOW A SPECIFIC AMOUNT IN STUDENT LOANS IN A LIFE TIME. I DONT KNOW HOW MY CREDIT REPORT COULD REFLECT AN INCREASE WHEN IM NOT IN SCHOOL AND WILL NOT BE ENROLLING IN SCHOOL. THIS IS AN ERROR AND SHOULD BE CORRECTED. MY STUDENT LOANS SHOULD BE {$0.00} DUE TO DISCHARGE OF MY STUDENT LOANS THROUGH XXXX XXXX XXXX XXXX DISCHARGE. INSTEAD OF REPORTING LOANS AS BEING PAID IN FULL, THEY DOUBLED IN AMOUNTS OWED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
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 had problems with the credit reporting agency removed the items off my report and allow a company to put it back on Equifax i was a victim of identity theft and i have sent them so many documents proving all this over and over the company is XXXX and they sold the account to a collection agency and the information is not mine they took it off twice and it is back again also XXXX XXXX same issue they dont have my social in there system only my name. XXXX is on all three report im so tired of waiting on them to put it back in despute over and over this is not fair and they are not doing things according to the fair credit act. And XXXX  has inquiries on my report from identity theft and they date back XXXX year i have sent all documents in I want them removed. This is too much stress to much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
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. (DE)

Complaint:
I had disputed some accounts on my credit report that were inaccurate on XX/XX/2020. XXXX and XXXX advised they did an investigation, however left innacurate items on my report. Equifax never responded. On XX/XX/2020, I requested their method of investigation, as I was not sure how these items could not have been possibly investigated and still on my credit report and I have yet to receive a response to their method of investigation for these items that they have deemed " verified ''. I understand the bureaus are having delays due to COVID, but the fact that they are down right ignoring my dispute request and also ignoring my request for their method of investigation is frustrating and unacceptable. Under the FCRA I have rights and they are continuously being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
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: GOLDMAN SACHS BANK USA (CA)

Complaint:
I contacted Goldman Sachs regarding a CLI on a existing Apple Branded XXXX ; they denied the credit limit increase because Your recent payments on Apple Card did not cover a significant portion of your monthly balance. Yet, I made a $ XXXX payment days before the request which brought the card balance to {$0.00}. When I contacted their customer service representative they were uninformed and unhelpful. They said that XXXX doesnt look at internal payment history and only rely upon what is reported to the Credit Bureau XXXX yet historically on this account XXXX has failed to report updated information to the credit bureau in a timely manner. 

It should also be noted that the credit limit issued by XXXX XXXX sufficient to purchase most products at the branded store ( Apple ) associated with the card ; when I pointed this out to the representative, the were like so, use another card the Apple Card by XXXX is heavily advertising that you can get 3 % cash back on Apple purchases with the Apple Card. 

It should also be noted that I have a XXXX score in the low XXXX range and is much higher than it was when the card was first opened. I also have multiple cards with other lenders with credit limits 50 % and 150 % higher than that on the Apple Card by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Complaint:
I sent the burea a letter stating that my information is incorrect and that I had fraudulent activities and someone been putting bills in my name its been over 45 days since I sent the letter.

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 2022-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Complaint:
I received an unsolicited credit card from Capitol One during the week of XX/XX/2022. It was mailed to my home address. I called Capitol One on XX/XX/2022 to let them know that this was an unsolicited card and that I did not apply for it. I asked that the account be closed immediately. Rather than closing the account per my request, they sent it to " investigations '' and will not be closing the card until their investigation is complete, which could be up to 90 days. When I asked for a phone number or website where I could contact them about the status of the investigation, they stated there was no way for me to do that. Additionally, when I asked which credit reporting agency they used to check my credit, they also would not provide that information. It should be noted that I have a freeze on my credit at all three credit reporting agencies and have had the freeze for years. I've checked my credit reports at all three reporting agencies since receiving the unsolicited card and there is no evidence that Capitol One checked my credit prior to issuing the card. I would like Capitol One to IMMEDIATELY close this account as I did not request it nor did I apply for the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

Complaint:
I used the " Secure Message '' feature on their online system to ask XXXX to increase my line of credit on a credit card I currently hold with them. They responded with some financial questions along with telling me they would have to do a " Hard Inquiry '' to extend my line of credit. I answered their financial questions, but said I did not want a hard inquiry. They responded that it was their policy and I again said that if it would be done without a hard inquiry fine, but i specifically said no to a hard credit inquiry as it would have a negative effect on my credit score when every point was important. Then they did a hard inquiry anyway. I have since been asking them, both via lengthy and futile phone calls and many more secure message, to contact the Credit Agencies and remove that inquire. I have attached screed shots of the secure messages XXXX times and dates show XXXX along with screen shots of when they did the hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Advantage Credit, Inc. (MI)

Complaint:
The credit bureaus needs to fix this issue about the inaccurate information for the inquiry. 
ADVANTAGE CREDIT INC being reported on my account The inquiry posted should not be on my report because I have neither inquired nor reached out to anyone. The inquiry was pulled without my knowledge. Please be noted that I have sent out letters prior to this complaint to the Credit Bureaus and to the company for them to investigate. Failure to comply with the request should be an automatic removal of the disputed inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC. (TX)

Complaint:
This company recently acquired a fairly old medical debt. Placed it back on my credit report to make it look more current and has called my phone number repeatedly for weeks. 

I have blocked them but they keep getting through to my number. I researched the owner of the company and he is an XXXX. I have XXXX relatives and I think I have been targeted. 

I want this to stop. 

A large portion of my debt is medical bills when had been previously removed from my report and suddenly in the last year they have been added back on. 

I didnt think this could be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (FL)

Complaint:
Good afternoon ; My name is XXXX XXXX. I applied for a store credit card from XXXX XXXX XXXX XXXX XXXX XXXX. I bought an engagement ring. I paid cash for the setting on XX/XX/2020, in the amount of {$1700.00}. I applied for financing that night. The financing was through Comenity Bank. I was told I would receive a letter in the mail with instructions in 5 to 7 business days which I did. The letter indicated to bring in my w-2, a utility bill, drivers license and social security card which I did on XX/XX/2020. I had already paid {$880.00} as a deposit to have selected diamond sent to the store. Once I confirmed the diamond I gave another cash payment of XXXX on XX/XX/2020, bringing the balance to {$5000.00} for a diamond that cost {$7800.00}. ( Included tax ). So at that point I was going to take the financing being my credit score is over 700, 28 % debt to income ratio. Comenity bank stated in the letter to send my drivers license, social security card, utility bill and w-2 to a PO Box without a tracking number because there would be no one at a PO Box can sign for it. We called customer service who told us we can only send the Information to a PO Box . They refused to take the information by fax and do not have a secured website or portal to upload my personal and private information to. I was appalled being a licensed MLO. It is my understanding any business handling personal and private information such as social security numbers must have a secured portal to upload documents or a fax to receive the incoming items such as social security numbersdrivers license. I do not believe sending personal and private information unsecured is acceptable in any way. At that point I chose not to work Comenity Bank and feel this should be looked into to help avoid any type of fraud. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
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: DISCOVER BANK (PA)

Complaint:
in XXXX of 2020 i started a dispute for the charge from XXXX XXXX. since then, i have never gotten any contact status update from discover throughout the investigation. it was always up to me to call to find out what the next step was and what was expected of me, otherwise i wouldn't hear anything. I had to do this in XXXX, XXXX and XXXX of 2020. I thought the dispute was judged in my favor after talking with discover corporate office until i went over my bank records and saw that i wasn't. the last time i reopened the case was in XX/XX/2020 for the amount of {$450.00}, still have not heard anything back about that and i wont contact them again. 

i truly think discover has mishandled the investigation and haven't done much to help get it resolved. i have supplied evidence, including pictures and statements that the merchant was caught lying and they still side with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
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. (SC)

Complaint:
This is my eight endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XX/XX/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  XX/XX/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 non-monetary relief
Consumer complaint received 2021-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: MUFG AMERICAS HOLDINGS CORPORATION (WA)

Complaint:
An unauthorized charge was made on my Union Bank debit card with XXXX in the amount of {$1900.00}. I called XXXX and informed them. The representative asked if I had an account and I said no. He then asked for mu address and birthdate to verify that it was not I that placed the bet. I gave him that information. He said the bet would be placed on hold and someone would call back in 24 hours. I then called Union Bank and alerted them. The debit card was cancelled and a credit of {$1900.00} was placed back into my account. When Union Bank contacted XXXX the agent stated that it had my address and birthdate, thereby saying it was used in the transaction. By asking for my address and birthdate initially, the XXXX representative was not trying to verify if I had an account but rather to limit their liability of having to refund the {$1900.00} to Union Bank. I am out the money and they have my personal information. Union bank refuses to refund the {$1900.00} to me, even though they know I did not authorize the transaction.

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 2023-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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

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 2021-10-15
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (FL)

Complaint:
On XX/XX/2021, I received a letter from Citibank ( see attached ) about an account that was attempted to be opened but was unable to due to the bank 's inability to verify credit information. I contacted Citibank at XXXX on XX/XX/2021, to advise them that I had never tried to open an account with their bank and that it was a fraudulent application. They apparently had all my personal information including my SS #. They said they would turn it over to their ID Theft department and gave me their number at XXXX to follow up, along with this contact information for the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-06
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:
XXXX shows from the recent post on my Experian credit report that the account is scheduled for deletion XX/XX/XXXX. However, Experian needs to do a reinvestigation requesting from XXXX the true late payment history that in my review dates all the way back into XX/XX/XXXX. XXXX cut off several years of payment history to re-age the credit tradeline. This account should be deleted immediately and permanently, not XX/XX/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 2018-11-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (CA)

Complaint:
I had a checking and savings with US Bank. They sent the accounts which were offering a settlement. The accounts were sent back to the bank. When I tried to call and settle they refused the honor the settlements amounts because that was a third party and said I had to pay in full and did not offer me a type of settlement. One rep said that had to be done locally. I contacted the branch manager and CEO of the company and have not received any response back.

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 2023-07-10
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: EQUIFAX, INC. (NJ)

Complaint:
I have sent numerous letters to Equifax credit bureau to dispute inaccurate information on my credit report. The first letter was sent on XX/XX/XXXX, with my photo id, social security number, and proof of address. The most recent letter was sent on XX/XX/XXXX, and the bureau is not responding or updating any of the disputed information. Each time I sent a letter I waited 30 to 45 days before checking my bureau credit report. I do not understand why the credit bureau is refusing to process my request. I know there might be delays at times, and I even tried to give them the benefit of the doubt for that. There is still inaccurate information reporting on my report. I have included a copy of all of the letters I have sent to the credit bureau with this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
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. (SC)

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2018-09-01
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: Experian Information Solutions Inc. (MA)

Complaint:
All three credit agencies are showing way off differences. I was using XXXX XXXX  to help with this issue. After cancelling my membership my credit score dropped tremendously without any changes. I gave. XXXX   cards cancelling me and lowering my available limit with no reason. Ive had inquiries removed and my score keeps going down. Something is not right and need to find out wgat is going on. Ive never been XXXX on a payment and my score keeps dropping

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