davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
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)

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), it is essential to ensure that consumer reporting agencies carry out their significant responsibilities with fairness, impartiality, and respect for the consumer 's privacy rights. As a consumer, I have the right to safeguard my private information, as supported by 15 USC 6801, which emphasizes the Congress 's policy that financial institutions must actively protect customer privacy and the confidentiality of nonpublic personal information.

A " furnisher of information to credit agencies, '' classified as a financial institution, falls under this title. 15 USC 1681 section 604 ( a ) ( 2 ) stipulates that a consumer reporting agency may only provide a consumer report in accordance with the written instructions of the respective consumer. I want to make it clear that both the financial institution ( Furnisher of information to credit agencies ) and the consumer reporting agencies, Equifax and XXXX, lack my consent to furnish this information, and they certainly do not possess my written consent. Any form of consent, whether verbal, non-verbal, written, implied, or otherwise, granted to Equifax, XXXX, or the Furnisher of information to credit agencies is hereby revoked. 

Referring to 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without explaining how the consumer can exercise the nondisclosure option. The Furnisher of information to credit agencies failed to inform me of my right to exercise this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits a consumer reporting agency from including adverse information in a consumer report without authorization. This account, reported as an adverse item, is being presented without my permission, violating the law. 

According to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), a person must not furnish information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. 15 U.S. Code 1681e mandates every consumer reporting agency to maintain reasonable procedures to prevent violations and restrict the furnishing of consumer reports to specific purposes. Equifax and XXXX are failing to uphold reasonable procedures. 

Additionally, 12 CFR 1016.7 affirms that a consumer has the right to opt out at any time. I am choosing to opt out of your reporting services.
Consumer complaint received 2024-01-10
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. (TX)

THE FOLLOWING INQUIRIES WERE NOT INITIATED BY ME IN WRITING AND BEAR NO PERMISSIBLE PURPOSE. THESE ARE FRAUDULENT, DELETE IMMEDIATELY. 

XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 Other XXXX XXXX XX/XX/2022 Other XXXX  XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 Other XXXX
Consumer complaint received 2024-01-10
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. (TN)

I mailed certified letters to the credit bureaus on XX/XX/23 containing a complaint about the accounts on my credit report along with a copy of my state ID, SSI card and a utility bill. I received a letter from the credit bureaus asking that I provide a copy of my ID, proof of address, and SSI to prove my identity and other said the information was factual.
Consumer complaint received 2024-01-10
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. (WA)

I am writing to file a formal complaint against Equifax for what I believe to be multiple violations of the Fair Credit Reporting Act ( FCRA ) and related privacy laws. As a consumer with rights protected under federal law, I am formally opting out of any and all authorizationswhether written, verbal, or otherwise impliedthat I may have previously provided to Equifax, as is my right under 15 U.S.C. 6802. 

The FCRA, specifically under 15 U.S.C. 1681b, outlines the permissible purposes for which a consumer reporting agency may furnish credit reports. This section requires that I provide explicit written consent before my credit report can be released. Furthermore, 15 U.S.C. 6802 ( b ) states that my personal information can only be furnished if I am given a clear and conspicuous opportunity to opt out, which was not provided by the financial institutions listed on my credit report. 

Additionally, pursuant to the privacy regulations found in 16 CFR Part 313, notably 313.1 and 313.7, I should have been provided a form of opt-out notice, as well as a continuing right to opt out of such disclosures. Equifax, as a non-affiliated third party, should not possess or disseminate my personal information without my explicit consent. 

The inaccuracies present on my credit report, which I have detailed and circled in the attachments accompanying this complaint, include but are not limited to dates, amounts, and account statuses. Each financial institution that has reported to Equifax has assured me through their privacy notice terms and conditions that my information would not be shared with third-party companies, yet it appears that this has not been the case. 

I am aware that the FCRA provides for statutory damages of up to {$1000.00} per violation, as well as the potential for punitive damages and the recovery of attorney 's fees and costs for willful noncompliance ( 15 U.S.C. 1681n ).
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hello, I have recently discovered that I have been the victim of Identity theft in which such person [ s ] used my credit multiple times over the years. It wasnt very much money at first, thats probably why it was never noticed, but here recently I been trying to purchase a home so I started looking at my credit report more closely. 

In XX/XX/XXXX I discovered that the following Accounts have been opened Fraudulently : XXXX XXXX XXXX {$9600.00} Acct # XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXX  {$1200.00} Acct # XXXX Opened XX/XX/XXXX XXXX {$0.00} Acct # XXXX Opened XX/XX/XXXX XXXX XXXX XXXX {$2400.00} Acct # XXXX Opened XX/XX/XXXX These are the XXXX Accounts that are referenced on the Fraud report that has been attached with Equifax!
Consumer complaint received 2023-06-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc. (ND)

Two personal loans were provided to an individual using my name - identity theft. Upstart did not provide an accurate verification process ( proof of address, such as property tax statement or utility bill, proof of employment, such as paystub or 1099 ) and provided individual with ( 2 ) loans in amount of {$19000.00} and {$22000.00}. The loans were provided in XXXX of XXXX and I was notified in XXXX of XXXX they were in default. All 3 credit bureaus were alerted of same and my credit score has decreased dramatically. I have contacted Upstart via telephone, ( 2 ) overnight letters and have filed police report, filed report with FTC and contacted all 3 credit agencies with account freezes in place. Upstart has provided no response. I am now contacting an attorney. I am reporting this company as they are providing loans to individuals identifying as others without a required verification process and this is a violation of law.
Consumer complaint received 2024-05-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC. (CO)

I have a Robinhood cash management, brokerage ( with margin ) account, and XXXX  account. Recently they have restricted my account and after multiple days trying to find why I couldn't open positions transfer withdraw etc, they replied this morning finally and all they said was Hi XXXX, It's possible, we may make an exception in the future, but currently we won't be able to reopen your account. 

If we are ever able to support your account again, we will reach out and let you know at that time. 

Also, if applicable we will reach out with instructions in the future, but we do not have any updates at this time. 

Sincerely, XXXX XXXX ID : XXXX
Consumer complaint received 2024-05-02
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: ALLY FINANCIAL INC. (NC)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2024-05-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

On XX/XX/XXXX I contacted Bank of America by phone in an attempt to open an online bank account. The bank stated that I owed {$230.00} in charges from a previous account with them.
Consumer complaint received 2024-05-02
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: ALLY FINANCIAL INC. (MA)

I have a few hard inquiries that i do not recognize nor did i give permission to happen. 

Ally financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-17
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. (MI)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (MD)

I have a conventional mortgage with NewRez ( formerly known as Shellpoint since XXXX  and have not been late one time with them ever. I was letting NewRez deduct {$1000.00} from my bank account bi-weekly which the monthly payment is {$2100.00} well I decided to make a couple of extra payments and noticed that the system would not let me so when I called to ask why I am unable to make additional payments the customer service representative told me its because you are set up on a biweekly payment plan so I cancelled allowing NewRez from deducting payments through my bank and set up to allow my bank to pay them directly. Well, they did not agree and called me over 10 times to change it after repeatedly telling them that I would like to go through my bank thats when all of a sudden every month I get late fees added. These people constantly call me 2 and 3 times a week asking if I would like to refinance. One guy called and said you have a boat load of equity in your home would you like to take out a HELOC and Im like no again. There are times where my bank will make the payment on Tuesday and the payment sits on the account unapplied for two weeks and thats after I have to call them. 
I am at a 2.875 % interest rate why would I go to 8.0 % it became so frustrating I asked them to stop calling me. Now the retaliation has started since I make payments through my bank and as a result, they get the payment 5 days earlier than they would if they deducted using their system. I feel that I am being harassed and they are part of the problem to the housing crisis-anything for {$1.00}. I feel I am being taken advantage of since I decided to pay through my bank and not use their outdated system which does not allow people to get ahead and make additional payments.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX I reviewed my consumer report and noticed an adverse item being furnished by XXXX XXXX for an alleged debt owed in the amount of {$1100.00}. As of XX/XX/XXXXXXXX XXXX XXXX  had been notified of ; the misleading, inaccurate information, my right to refuse to pay such alleged debt and to cease all further communication conveying the inaccurate information. This included but not limited to ; telephone calls, emails or any furnishing of information to the consumer reporting agencies. 

XXXX XXXX can not furnish this alleged debt to a consumer reporting agency before first contacting the consumer. I Never received any initial notice and communication or ANY correspondence or communication in regards to such alleged debt. pursuant to sections 814 ( d ) and 817 of the Fair Debt Collection Practices Act ( FDCPA or Act ), 15 U.S.C. 1692l ( d ), 1692o ; title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ) Pursuant to 1006.38 XXXX XXXX must cease collection of the debt until XXXX XXXX sends a copy of verification of the debt or of a judgment to the consumer in writing or electronically in the manner required by 1006.42 ; XXXX XXXX is a furnisher under the Fair Credit Reporting Act. by law at the time of XXXX XXXX being notified at the address specified in Exhibit ( ) of the inaccurate information they are furnishing, XXXX XXXX  shall have cease the furnishing of any information to the consumer reporting agency Pursuant to 15 USC 1681S-2 ( a ) ( 1 ) ( ( B ) ( i ). 

It has been well over 30 days and XXXX XXXX has failed to comply and respond to such notice and correspondence. XXXX XXXX has failed to XXXX XXXX has strict liability and must comply with all statutes and regulations set forth. Negligence of the law is no excuse. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, XXXX XXXX can and will be held Civil liability due to Non-compliance. ( 15 usc 1692k ( c ) XXXX Midland Funding, LLC XXXX XXXX 137 S. Ct. 1407 ( 2017 ) XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I applied for CapitalOne QuickSilver credit card and I was browsing using this link XXXX XXXX XXXX The card is advertised as : Earn unlimited XXXX  % cash back on every purchase, every day. Plus, a {$200.00} Cash Bonus. 
New Cardmember Offer Earn a one-time {$200.00} cash bonus once you spend {$500.00} on purchases within XXXX  months from account opening. 

The card arrives but I did not see any information regarding the {$200.00} bonus mentioned. I called and spoke to a CSR who informed me that is a different " level '' of card ( even though the card I have and the card on the webpage looks exactly the same ) and wasn't able to help. 

The call got escalated to a supervisor who informed me that the card is for " excellent credit only ) Even though in my Capital One portal it says that my credit is " excellent ''. '' I informed them that if I didn't qualify, they should've mentioned it during the application process and not wait until the card is approved before telling me that. They couldn't escalate any further and refused to help. 

I attached a picture of my card as well as my credit " level '' in the CapitalOne portal
Consumer complaint received 2024-01-10
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. (IL)

Fraudulent inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
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 just noticed XXXX XXXX card services on my credit report. I never opened ANY of these cards. I have filed an FTC report with them on it. Still no action. Why is XXXX putting it on my credit report??? I also told the credit bureaus to remove as it's not mine. They won't follow the law. I've sent them a FTC report. Those accounts that aren't mine are still there. I have NEVER had a contract with XXXX ever. 
Partial account XXXX XXXX from my credit report XXXXXXXX XXXX
Consumer complaint received 2024-01-10
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I am writing to file a formal complaint regarding the inaccurate reporting of a charge-off account by Capital One, which is causing significant financial harm and distress. 

Despite my repeated attempts to resolve this matter directly with Capital One, they continue to report an inaccurate charge-off account on my credit report. This erroneous reporting has severely impacted my ability to obtain credit or financing, as lenders frequently deny my applications based on the negative information provided by Capital One. 

As a result of this inaccurate reporting, I have been unable to secure loans, credit cards, or favorable interest rates, hindering my ability to make essential purchases, such as a car or a home, and adversely affecting my financial well-being. 

I request that the Consumer Financial Protection Bureau intervene on my behalf to compel Capital One to : Immediately remove the inaccurate charge-off account from my credit report. 
Cease all reporting of this inaccurate information to the credit bureaus. 
Take appropriate corrective action to rectify the damage caused to my credit score and financial standing. 
I urge the CFPB to investigate this matter thoroughly and hold Capital One accountable for their failure to comply with federal laws governing credit reporting, including the Fair Credit Reporting Act ( FCRA ). 

The financial hardship resulting from Capital One 's inaccurate reporting is unjust and unacceptable. I appreciate your attention to this matter and look forward to a swift resolution that restores my financial stability. 

Thank you for your assistance in this urgent matter.
Consumer complaint received 2024-01-10
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have been trying for over six months to resolve with Capitol One being double charged {$72.00} by XXXX XXXX for a monthly service. The charge is generally on the first week of the month and the duplicate charge at the last week. I have spent multiple hours and calls with Capitol One trying to resolve this problem. I have sent them over and over all the documentation that I have because it is charged monthly onto my credit card. I was advised to cancel credit card and get a new one and that did not resolve issue. I have written them that I do not authorize any further charges on my credit card and they told me I couldn't do that. The final call lasted over eight hours with multiple people. I finally asked and wrote to them to cancel my credit card and I was told I can not do that. This month they sent me a bill with over {$210.00} in interest charges for the interest of the disputed charges. When they told me I couldn't cancel my credit card I sent them the balance in full without the disputed XXXX XXXX charges. 
My account number with Capitol One Venture One is : XXXX XXXX XXXX XXXX expires XX/XX/28 security code. XXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Checkr, Inc (GA)

While conducting my background check, XXXX vendor Checkr discovered the below case ( s ). In order for XXXX to evaluate my eligibility to provide services to XXXX customers on behalf them as my employer, they were reaching out to request additional information from me. Please note, XXXX follows all applicable federal, state, and local laws when reviewing background check reports. 

However, Checkr did not provide the accurate information to them as my employer and did not due any due diligence in providing my employer with the correct information nor did they confirm the social security number of the data file regarding a alleged XXXX  case. 

I have no XXXX  convictions on my record. I have a clean record.
Consumer complaint received 2023-08-14
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: EQUIFAX, INC. (IL)

Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.