davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Late Payment Reporting : XXXX has reported late payments on my student loan account that have negatively impacted my credit score and is in violation of the Fair Credit Billing Act ( 15 U.S.C. 1666b ), which mandates A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date Unauthorized Disclosure of Information : On [ specific date ( s ) ], I was informed that XXXX disclosed my personal loan information without my explicit consent. This unauthorized disclosure constitutes a breach of the Privacy Act of 1974 ( 5 U.S.C. 552a ), which protects personal records from unauthorized access or disclosure.

The Family Educational Rights and Privacy Act ( FERPA ) is a federal law that was enacted in 1974 to protect the privacy of student education records. FERPA applies to all public and private schools, as well as any state or local education agencies that receive funding from the US Department of Education. The law has been amended seven times since its enactment. 
FERPA protects the privacy of students and parents by limiting the disclosure of personally identifiable information from education records. This includes records, files, documents, films, tapes, and photographs. FERPA gives parents certain rights regarding their children 's education records, such as : Inspecting and reviewing records Requesting that records be corrected Having a formal hearing if the school refuses to amend the record Placing a statement with the record When a student turns XXXX  or enters a postsecondary institution, their rights under FERPA transfer to them. Students can see everything in their educational records, except for information about other students, financial records of parents, and confidential letters of recommendation.

Examples of FERPA violations include : Accidentally or intentionally emailing student information to unauthorized parties Sharing a student athlete 's academic status with unauthorized parties Sharing a student 's grades or identifying information with unauthorized parties Noncompliance with FERPA can result in the loss of federal education funds.
Consumer complaint received 2022-12-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (OK)

On XX/XX/2022 I submitted a claim to my insurance company for an incident. This was a hit-and-run, as the vehicle that hit ran off and was never located by the police. My insurance company did the appropriate investigation but it took some time. My insurance deemed the vehicle a total loss. 

On XX/XX/2022 a full payment of XXXX was submitted to Nissan from XXXX. 

I made XXXX payments while the insurance was working on the claim. 

On XX/XX/2022 a payment of XXXX was sent. 
On XX/XX/2022 the remaining balance of XXXX was paid in full. This is when I was notified of the remaining balance. 

Throughout the entire process, I was in communication with Nissan letting them know I was working with the insurance company. 

I asked them to review my credit and look at all of my past loans that were paid off, none of them had any late or missed payments. This is when I realized Nissan had reported a late payment. Nissan did not have much to say but " I'm sorry about that but we can not help you. '' This has caused me to get denied from obtaining a new vehicle loan 3 times.
Consumer complaint received 2023-02-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

In response to the FACT that CHASE IS ILLEGALLY HOLDING MY SALARY/DIRECT DEPOSIT AND LIYING TO ME THAT CHASE DOES NOT HAVE ANY IDEA WHERE IS MY SALARY OF {$2900.00}, SENT DIRECTLY BY XXXX XXXX XXXX I copy the link where it is SEEN THAT CHASE IS INVOLVED IN " Multiple chase users from all over the nation have yet to receive their direct deposit from chase bank XXXX They have called their employers but they confirmed the direct deposit payment went through. Chase is holding up people 's direct deposit for some unknown reason '' ( since 2020! ) See the link with customer 's complaints. https : XXXX. I AM NOT ALONE TO BE ROBBED BY CHASE AS MY DIRECT DEPOSIT/SALARY IS MISSING AND STOLLEN BY CHASE. MORE SO, I BELIEVE CHASE IS REVENGEFUL/DISCRIMINATORY FOR CUSTOMERS WHO HAS FILED PREVIOUSLY A CONSUMER FINANCIAL PROTECTION BUREAU AGAINST CHASE. I DID FILE A CFPB COMPLAINT AGAINST CHASE BEFORE, AND NOW CHASE IS WITHHOLDING MY SALARY/DIRECT DEPOSIT. CHASE IS RETALIATING AGAINST MYSELF. 
Chase is continuing the unlawful practices and making money ON THE BACK OF MILLIONS OF HARD WORKING AMERICANS.
Consumer complaint received 2022-12-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX XXXX call me everyday about 10 times. That's XXXX calls a week. I have the same issue with XXXX, XXXX XXXX XXXX, and XXXX XXXX EVERYDAY from morning, afternoon to night.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im begin taken advantage of and begin ignored if my disputes. Section 611 ( a ). It its plainly stated that a failure to investigate those items within 30 days gives reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my numerous 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 records 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$28000.00}, XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

Need More Time I have given the following customer more than enough time, While investigating please remove these illegal transactions off my report. According to Equafax and XXXX have responded through the CFPB that they are investigating, while they are investigating the following account, those accounts need to come off until a proper investigation has happen, There has not been any proven evidence that these accounts provided clear and conspicuous contracts. I choose to opt out, I choose that you block this information from my report. I am requesting that the reporting of this information be blocked and deleted my request to block is not being made in error, nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transaction You are required to do what I'm asking and block these transactions from being report to my consumer report with 4 days from the date of the recepit of this notice. 


the FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT, clearly states 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; NOW THE TERM PERSON defined by Congress means person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

Open XXXX XXXX XXXX XXXX XXXX Opt Out Permissable purpose Remove from credit report So therefore a LATE-PAYMENT is a TRANSACTIONAL experience between the CONSUMER. Which CONGRESS define consumer ( c ) The term consumer means an individual. 
Which is an INDIVIDUAL ( me ), and the person making the REPORT which is ( the company name ) So since its a TRANSACTION between the CONSUMER and the PERSON! Delete the above LATE-PAYMENT FROM MY CONSUMER REPORT! This AGENCY is in violation of 15 U.S. Code 1681. Now Im not telling you to delete the account! Im asking for you to delete the above LATE PAYMENTS which are in violation of being REPORTED and keep the account.
Consumer complaint received 2023-04-08
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. (FL)

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding an inaccurate collection account that has negatively impacted my ability to start a real estate business. I am seeking full compensation for the potential money lost, as provided under U.S. Code 1692k and 1640. 
As per the Fair Debt Collection Practices Act ( FDCPA ), codified under U.S. Code 1692 et seq., I have identified several inaccuracies in the collection account reported by transunion. The inaccuracies include incorrect dates, amounts, and other details that are not reflective of my actual financial history. These inaccuracies have had severe repercussions on my credit score and have prevented me from obtaining financing and pursuing my entrepreneurial aspirations.

Furthermore, the Fair Credit Reporting Act ( FCRA ), codified under U.S. Code 1681 et seq., requires that information reported by credit agencies, including collection accounts, be accurate and verifiable. The inaccurate collection account has violated my rights under FCRA, causing significant harm to my creditworthiness and financial prospects.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I tried to apply for a credit card an been denied to something missing on my credit report an being falsely reported deceased illegally cause me to be denied credit fair credit report agency act violation civil rights uptain credit an applying for credit place my credit in good standardan to approve my application an contact capitol one for a approve an fix this problem all credit report agency approve my application to uptain credit my date of birth was incorrect to stop me from having credit
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Credit Bureau is currently reporting XXXX accounts that were closed as open with balances showing that they are currently late. These accounts were charged off and companies receive tax credit from irs. I requested a 1099c from the creditor and they fail to furnish then XXXX lists the account was open making it look like there are current late payments when these accounts should marked closed with a XXXX balance XXXX bank {$1500.00} listed as open account charged off and balance should be XXXX and XXXX XXXX charged off XXXX and is still showing a balance of {$16000.00} and no XXXX has listed this account as open this is the only bureaus that has not corrected their issue and has violated 15 U.S.C 1681 and I request that these accounts be removed from credit immediately
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (CA)

In XX/XX/XXXX I found out that I was a victim of identity theft someone had take a personal loan of XXXX at a bank called XXXX XXXX via Synchrony bank on XX/XX/XXXX and the made a transaction of XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I went through the proper channels at identity theft. Gov I've frozen my XXXX number I've reached of to the bank and all they were able to tell me was someone used my first or last name and changed it and used my SSO number and added their self as the second card holder and a different address but the flaged the account but now the loan is on my credit report I am asking the this matter be looked into I XXXX this information about the loan at XXXX XXXX XXXX the bank number XXXX ( XXXX ) XXXX I've been working on rebuilding my credit but I never made this transaction and it completely fraud thank you for time with this matter
Consumer complaint received 2022-11-02
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. (PA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (NY)

I booked a flight with the terms " non-refundable '' but " changeable with no fee, only need to pay fare difference '' on the Chase XXXX XXXX portal. This is a portal available to customers of the Chase Sapphire Preferred credit card, which has an annual fee attached to it. 

Over the past two days, I have spent XXXX hours on hold on the phone with various Chase customer service specialists, all of whom have failed to help in changing a ticket I bought through the Chase XXXX portal. The XXXX  portal is advertised as a perk of the annual fee, and does not work as intended. 

The latest call lasted XXXX XXXX XXXX XXXX, with the agent repeatedly telling me they would only have me on a brief hold, after which I heard them take the call off hold ( for about XXXX seconds ) before cutting the call and transferring me to the main automated menu ( from where I would start from scratch ).
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Consumer Name : XXXX XXXX, Consumer SSN : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened at XXXX XXXX on XX/XX/XXXX. This account has resulted in a fraudulent account appearing on my consumer FICO credit report. I've attached documents with the account in question maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned account as reported. The aforementioned account on my credit report maintained by you were not opened, made, or initiated by me. The aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft.
Consumer complaint received 2023-04-09
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. (GA)

An XXXX account, XXXX, for which I was an authorized user on is inaccurately reporting on my credit report and violates my consumer rights per the following information : There are a few inconsistencies between the three credit bureaus in the account information provided. The most significant inconsistency is that the account is reported as closed on TransUnion and open on XXXX. This violates the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 3 ), which requires that credit bureaus report accurate information about the status of an account. 

Additionally, there is a discrepancy in the reported high credit between TransUnion and XXXX. TransUnion reports a high credit of {$0.00}, while XXXX reports a high credit of {$7100.00}. This inconsistency violates FCRA Section 607 ( b ), which requires credit bureaus to report complete and accurate information. 

Finally, the reported date of last activity and date of last payment also differ between TransUnion and XXXX. TransUnion reports a last active date of XX/XX/, while XXXX reports a last active date of XX/XX/. Similarly, TransUnion reports no date of last payment, while XXXX has no data on the date of last payment. These inconsistencies violate FCRA Section 623 ( a ) ( 1 ), which requires credit bureaus to report complete and accurate information about a consumer 's credit history and can harm the consumers ability to obtain lending.
Consumer complaint received 2022-09-01
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. (MO)

This is my 9th 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 records 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 Balance : {$670.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/year> 2024
Consumer complaint received 2023-03-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act 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.

also states a consumer reporting agency can not furnish a account without my written instructions. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.