davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-09
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One XXXX Dear XXXX, I am writing to express my deep dissatisfaction and concern regarding the recent adverse action taken in response to my request for a credit line increase with your institution. On XX/XX/year>. I received correspondence from Capital One stating that my request for a credit line increase was denied, citing information allegedly obtained from XXXX. However, this assertion is not only inaccurate but also deeply troubling. 

I want to bring to your immediate attention that my XXXX credit report has been frozen for identity theft protection purposes. Therefore, any claim of utilizing XXXX for a credit pull in this context is unequivocally false. It is imperative to note that the adverse action letter sent to me contained erroneous information that does not align with the current data reported on the credit reporting agency platform. In addition, I have exercised my rights given to me under the FCRA and I have reached out to the Consumer reporting agency directly and was reassured that my consumer report has been frozen and the reasons you have claimed for denial of a limit increase is in fact fale. 

Under federal law, I am entitled to accurate and truthful information regarding the reasons for any adverse action taken against my credit request. However, the adverse action letter provided by Capital One included XXXX different reasons for the denial, none of which reflect the actual state of my credit report. This discrepancy is not only alarming but also violates the rights afforded to me by federal regulations. 

I demand an immediate and thorough investigation into this matter. Upon calling to inquire about this I was told to apply again. It is imperative that Capital One rectifies this situation by providing me with a detailed explanation of the inaccuracies present in the adverse action letter. Where did you get this information from and why are you falsely claiming it came from XXXX when I keep my report frozen and why am I being denied a simple limit increase, I did not request {$50000.00}. Furthermore, I insist on a reevaluation of my credit request based on accurate and up-to-date information from the appropriate credit reporting agency. 

Failure to address this issue promptly and satisfactorily will leave me with no choice but to escalate this matter to the relevant regulatory authorities. I trust that Capital One values its reputation for fairness and transparency and will take the necessary steps to resolve this matter expediently. 

I appreciate your prompt attention to this matter and expect a timely response within 30 days of the receipt of this letter. 

Sincerely
Consumer complaint received 2022-08-05
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. (AL)

In accordance with the Fair Credit Reporting Act 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.C1681 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.
Consumer complaint received 2021-03-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I received an alert from Experian to check my credit score as it had changed. I logged on to their website which had notification that my score reduced by 25 points ( literally overnight ). I had excellent credit score and am trying to get a mortgage. My credit was pulled and I expected my score to decrease but not by more than about 5 points as advised by XXXX XXXX XXXX. This information is also on Experian 's website.

Oddly enough, as I was checking on Experian 's website trying to figure out what might have went wrong I was prompted to improve my score with " Experian Boost '' a product they have been pushing. 

I called the number they provided on the website and no one in the office could tell me what might have cause the large drop in my score. I was told I had to get a certified credit counselor. 

I feel that they dont care, how is it that no one in a credit reporting agency that is selling all these products to people has no one in the office to answer my questions. 

Something is very wrong here. They are forcing people to do this " Boost your Score '' and this is very wrong. 
I need your agency to look into this matter. This is gong to affect what I will get for a mortgage.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I hope this letter finds you well. I am writing to request documentation regarding an account with XXXX XXXX XXXX that has been reported to the credit bureaus. 

Despite the passage of over 60 days, I have not received any communication or documentation from either the credit bureaus or XXXX XXXX XXXX regarding this account. Specifically, I have not been provided with an original contract or any documentation bearing my signature pertaining to this account. 

As a consumer, I have the right to request and receive documentation verifying the validity of any reported account, especially when it concerns financial agreements. Therefore, I kindly request that you provide me with a copy of the original contract associated with this account, as well as any supporting documentation that verifies my agreement and signature. 

Additionally, I have contacted the credit bureaus to inquire about the investigation process regarding this account. I kindly request that you also provide details regarding the investigation process conducted by the credit bureaus in relation to this account. 

Your prompt attention to this matter is greatly appreciated. I kindly ask for a response within [ specify a reasonable timeframe ] days to ensure timely resolution. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-05
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. (AL)

In accordance with the Fair Credit Reporting Act XXXX Account # 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.C1681 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.
Consumer complaint received 2024-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TX)

started reaching out to the creditor the beginning of XXXX in regards to this matter and received only a response stating that this debt allegedly belongs to me. According to 15 USC code 1581 ( e ) b this information has to be 100 % accurate and also according to 15 USC 1681 ( i ) 7 if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-12
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: CL Holdings LLC (IL)

There is a XXXX XXXX credit collection on my report. It is being reported by Jefferson collection services. This was just placed on my credit report XX/XX/2020. I have not had an account with XXXX XXXX. My cell phone billing has been through XXXX XXXX for several years now. I have not received one letter or one phone call pertaining to this account. This is fraudulent and not accurate. I check my credit  reporting through the credit agencies almost daily. Its the only negative mark on my credit report and please do what you can to have it removed. Thank you
Consumer complaint received 2020-08-19
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: DISCOVER BANK (MI)

On XX/XX/XXXX I received a letter from Discover/personal loans dated XXXX XXXX.The letter states '' thankyou for applying for a discover personal loan on XX/XX/XXXX '' .I NEVER applied for a personal loan through discover or its affiliates.This is fraud.I did have a discover card with no balance and early 2020 during breakout of covid-19 pandemic, discover closed my account citing inactivity.I did call discover at XXXX on XX/XX/XXXX at XXXX and spoke with XXXXe.She took some information and stated that it was a soft pull and I shouldnt worry and transferred me to Bank fraud Unit at XXXX call with XXXX ended at XXXX statement to me is wrong about the personal loan i never applied for.When she transferred me to bank fraud unit, the bank fraud unit was closed.Recently, In XX/XX/XXXX, someone used my personal info to commit fraud at a XXXX through XXXX  to purchase a cell phone.This was fraud.Why almost a year later im getting a letter from Discover???? .Therefore, I never applied for a personal loan from Discover/personal loans or it s affiliates.THIS IS FRAUD
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

My loan balances remain at {$0.00}, but not reflected on the credit agencies. Despite multiple attempts, XXXX has not updated my credit report since XX/XX/. Despite providing evidence and submitting disputes with the credit agencies, XXXX reaffirm the reported balances to each agency. The mortgage letter I submitted as evidence did not have the desired impact. When contacting XXXX about the balances, who confirmed with me a XXXX balance, I was also informed that balances are updated monthly, despite the evidence to the contrary. I requested a copy of the information used to justify the reported balance with the credit agencies, which they are required to provide, but was only directed to download my mortgage letter and provided with no further details or timeline for the update.The mortgage letter provided no benefit in advancing my case, The credit agencies did not take that evidence into serious consideration when they should have as it is a document from the lender.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

XXXX is still reporting a Deleted account that was deleted off my credit report. The Account name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (SC)

I am constantly receiving promotional and preapproval letters in the mail even though I have opted out of receiving any type solicitation from companies that I don't wish to do business with. Eligibility information contains account numbers, names and address. ( 12 CFR 1022.20 ( b ) ( 4 ) ). Direct mail is listed with other examples of how solicitations can be done. According 12 CFR 1022.20 ( b ) ( 5 ), solicitation is the marketing of a product or service initiated by a person, such as a financial institution, that is intended to encourage consumers to purchase or obtain products or services. A pre-approved letter is done after accessing ones consumer report to see certain financial information which I have not granted my consent to have. These actions violate my personal nonpublic information ( personal identifiable financial information ( 15 U.S.C. 6809 ( 4 ) ). A pre-approved letter is intended to encourage a consumer to obtain a company 's product and services, hence pre-approved, instead of pre-qualify which authorizes a soft inquiry to create an offer. They always send correspondence that says Under the Terms and Conditions When we solicit you for an account or from time to time thereafter we may offer special terms in connection with your account. Per 15 U.S.C. 6802 ( a ) ( b ), The credit agencies have failed to send me any form of notices giving the opportunity to opt out of any access they are giving others, more specifically their affiliates that they are allowing access to my non public personal information. As to the claim that my credit score isn't affected, that is wholly untrue as every soft pull takes away a point. In addition when my SSN is hit for any type of inquiry and I do not receive anything in return, that is securities fraud because the company is trading on the secondary market with my information that is being sold to them.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-18
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: EQUIFAX, INC. (CA)

I had my credit ran today XX/XX/20 because I'm trying to refinance my house but I was unable to do so because there is an account from XXXX XXXX for an amount of {$1200.00} in negative standing appearing on my credit. This account does not belong to me and I never allowed anyone to open this account in my name. I do not have any written/verbal contract with this company nor did I benefit anything from this account such as money, goods, services or any other benefit and I never made payments towards this account. I am not affiliated to this company in any way and I have never authorized them to run/access my credit. I have already filed a police report regarding this suspicious account in hopes of getting it resolved.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I am writing to file a formal complaint against XXXX XXXX XXXX Credit Card for continuing to report a charge-off on my credit report that is past the statute of limitations. This debt, last active on XXXX/XXXX/XXXX  appears to exceed XXXX statute of limitations for debt collection. 

The outdated entry is negatively impacting my credit score, hindering financial opportunities as well as buying a home. I have previously attempted to resolve this with XXXX XXXX, XXXX, Equifax, and XXXX, but to no avail. 

Under the Fair Credit Reporting Act, I request an investigation into this matter and the removal of this charge-off from my credit report if found non-compliant with state laws. 

Thank you
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

My credit was destroyed by identity theft and I have done nothing but suffer from having poor credit I have complained multiple times and disputed many accounts that were opened in my name I filed XXXX XXXX bankruptcy in XXXX and the problem im having is I never opened new accounts my info was compromised and the credit bureaus have done nothing to fix this I have not applied for no new accounts and they will not fix the issue Im tired of disputing info when they were all aware of the identity fraud this has been going on for almost 2 years and Im tired of trying to fix this I need help to correct these errors
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (RI)

I initiated communication with XXXX  XXXX XXXX by sending a letter requesting them to opt me out of reporting for account number XXXX. Regrettably, not only did they neglect to fulfill my request, but their response was unrelated to my original letter, which explicitly asked for opting out of reporting. I have attached the original opt-out letter along with their response, two documents providing opt-out laws and their definitions, and a copy of the account details from all three reporting agencies. The documents reveal several inaccuracies present in the reports, and all relevant dates and information pertaining to this complaint have been provided for your review.
Consumer complaint received 2016-05-05
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CITIBANK, N.A. (MA)

On XXXX/XXXX/16 at approximately XXXX a debt collector representing XXXX calls a third party ( my brother ) and shares confidential information regarding credit card debt that I allegedly owe to the company. The debt collector asked for contact information regarding me and my place of employment as well as a personal cell phone number. After he received my personal information the debt collector calls me without identifying himself.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IA)

Subject : Update of Personal Information - XXXX XXXX XXXX [ Date ] XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, I am writing to request an update to my personal information in your records. My name is XXXX XXXX XXXX, and I currently reside at : XXXX XXXX XXXX XXXX XXXX, IA XXXX I would like to confirm that I have no previous valid addresses. Therefore, please ensure that my credit profile reflects this accurate information. 

Should you require any further details or documentation to process this update, please feel free to contact me at [ XXXX ] or [ XXXX ]. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-08
Product: Credit reporting 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)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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