davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My loans transferred from XXXX to XXXX and nelnet is still showing up on my credit report. So now it shows double the amount of loans it should show. I filed a dispute with experian and it didnt fix the problem. I dont know what to do.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

To Whom It May Concern : I recently received a copy of my 3 Bureau credit report XX/XX/XXXX. After Reviewing my reports. I noticed there was an account that had a 30 DAY late payment. 
XXXX XXXX XXXX XX/XX/XXXX As a consumer I have rights that should be abided by. To my knowledge I am subject to an investigation about this instance on my report. I understand, By Law you are required to report accurate and verifiable information but you are not respecting my consumer rights. I am requesting there be an investigation.

BELOW ARE THE LAWS THAT ARE BEING VIOLATED : Under the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I understand that these are supposed to be reported but if things such as late payments are being reported it goes against the definition of a consumer report ( as I state above ) which makes it inaccurate and unreliable. BY law its not considered a consumer report because it isn't Fair and accurate information. 

Late payments are considered a transaction, the law clearly states Reports containing information solely as to transactions and experiences between the consumer and the person making the report. 30 Day Late Payments are considered Transactions. Therefore, this 30 day late payment should be investigated and Reversed to read ok.

Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not grant permission for anyone to furnish such things on my report. Unless it is written consent by the consumer ( me ) these types of report information should not be reported. 

XXXX XXXX XXXX XX/XX/XXXX Failure to comply satisfactorily with the reversal of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] I am prepared to take any necessary legal actions if demands are not met. Reverse the late payments for XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2024, I called my credit bureau asking to remove old addresses because I dont live there anymore and some I didnt live there at all it would be just a family members house. A couple weeks later I got an update that it hasnt been resolved.
Consumer complaint received 2024-05-18
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: Experian Information Solutions Inc. (FL)

XXXX5 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any Intormation In me tie or a consumer inarte consumer centres as Intormation that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM Experian.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX Account XXXX open with a past due balance. I received a copy of my credit report. To my surprice, you are reporting this account incorrectly. This account is reporting not only as OPEN, but also shows a past due balance of XXXX. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion
Consumer complaint received 2024-05-17
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: Experian Information Solutions Inc. (NY)

Upon reviewing my credit report I came across an unauthorized inquiry and fraudulent closed account. Both items are severely affecting my credit report and were never initiated by me at any given point which is why I am asking for the removal of these fraudulent items found on my credit report. I have provided supporting documentation of this crime.
Consumer complaint received 2023-04-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Google Compare Credit Cards Inc. (NJ)

I purchased a service through Google 's XXXX XXXX app on my smartphone. And after completing the purchase, I wanted to remove my payment method details, in particular, my credit card name and account number ; however, Google is requiring me to add a new payment method as a condition before it removes my current payment method. 

I do not want to be compelled to add a new payment method in order to remove my current payment method information. Also, this requirement was not disclosed in the terms and conditions and I believe it is deceptive and as a consequence, my payment method information is kept hostage in the Google XXXX XXXX app. 

Also, I complained to Google via email, and the response included questions about me having a problem adding a payment method - but this, it seems, is a deliberate confusion of the issue because I never had an issue about adding a payment method - all I want to do is remove my current payment method WITHOUT having to add a new payment method. 

Also, Google has a section titled, " Remove payment method '' and then it states, " Choose a new payment method before removing ... [ it has my credit card name and the last four digits of my account number ]. '' Also, at the bottom of the screen it states to " Save and remove, '' meaning, to save the new payment method as a condition to remove the original payment method. 

I want Google to allow me to remove my payment method information WITHOUT requiring me to add new payment method information because to require this is deceptive because this procedure is not disclosed in the terms and conditions. Also, by keeping my payment information in the account it exposes my credit card information to any potential hackers who may successfully hack into my smart phone.

Thus, Google 's practice in requiring consumers to add new payment method information, as a requirement before allowing a consumer to remove their current payment method, is deceptive, unfair, and adds to the risk of being hacked.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb.

This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in the months that I was late to be removed.

They are not in compliance with the following law.

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments.

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.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-06-09
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. (IL)

I am submitting a report to challenge and investigate the wrongful reporting of these accounts on my credit file. The Fair Credit Report Act states I should receive {$1000.00} for each mistake. FCRA 605B obliges us to report any inaccuracies found on a consumer 's report.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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.

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 informationisinaccurate.
Consumer complaint received 2023-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (OH)

While checking my credit report there was a card from Barclay Bank listed as opened XXXX. I did not apply for this card and all three credit bureaus have a freeze on my name, Spent 1.5 hours giving three people at Barclay my personal information. Name/address/phone/social security. These representatives refused to provide their full names. I asked for written confirmation that a fraud complaint was filed. REFUSED said I would hear something in XXXX days or more., Next day filed a XXXX complaint and received a call from someone supposedly represent the Presidents Office Barclay Banks XXXX 
No way to confirm identity. Wanted the same information that was already given to their fraud unit. Agreed to name only. Was told he could do nothing without all the personal information already provided. His computer could not just enter name.
Consumer complaint received 2024-05-18
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. (IL)

According to FCRA 605B, any incorrect accounts must be removed from my credit report. This account is being reported incorrectly, so please delete it from my credit file. I am entitled to {$1000.00} for each incorrect report on my credit file.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Pursuant to 15 USC 1681c-2 please delete the fraudulent inquiries on my consumer report as I did not originate these inquires. Also, Please update my personal information to reflect accurate information pursuant to 15 USC 1681e ( b ). PLEASE SEE ATTACHED IDENTITY THEFT REPORT.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Back on Monday ( XX/XX/XXXX ), I was checking the total deposits with my recent paystub from my job and I noticed that I was missing money so I dug through all of my transactions and subtracted it from all of my deposits and it gave me XXXX XXXXXXXX dollars lost so I contacted Bank of America and dispute some transactions but also asking what happened to the XXXXXXXX XXXX, they decided to dispute over 50+ transactions that totaled over XXXX dollars but I knew something was wrong so I asked them again what they're disputing and they haven't really responded to it so I decided to contact them the next day. 

In middle of that night, I got an email from them saying someone tried to use my card even though it was locked and it says it's location was " BOFA XXXX XXXX '' and so I called their credit card fraud department and they don't even know either and said that I have to call again in the morning ( XX/XX/XXXX ) and cut that card so I did, later when I used the chat feature, they said it was from XXXX and I was like " XXXX? '' because I don't know that I was paying for XXXX directly because I was using the XXXX and XXXX XXXX bundle so I guess it was nothing and then I ended the chat. A few minutes later, I got a call from them because I was complaining to them on XXXX and asked them about the disputes and we went through each of them and removed them, but I asked her what's going on with the missing XXXX dollars and they said that they don't know and I was like " You don't know? '' and they told me to check the transactions and they said it should be listed and it wasn't so I said it wasn't there and it was just ridiculous and I decided to switch to XXXX on Thursday. 

Friday comes around and I already opened a new savings account and linked my BofA accounts to them and checked the budgeting tool and yep, I was right and they were indeed missing my money, specifically {$1000.00} dollars. I haven't decided to call them again because I knew I would run into the same thing so I decided to submit this claim.
Consumer complaint received 2023-11-17
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. (NY)

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 ACCOUNT XXXX XXXX, XXXX ACCOUNT # XXXX XXXX XXXX XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX 181891, 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.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

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.

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 informationisinaccurate.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am writing to file a formal complaint and seek your urgent intervention regarding apparent violations of my federally-protected privacy rights pertaining to the handling and disclosure of my confidential student loan records and personal data by the Department of Education and its contracted loan servicers. 

The Family Educational Rights and Privacy Act ( XXXX ) deems all student loan information held by the Department of Education to be classified as protected education records under 20 USC 1232g ( b ). This imposes strict legal obligations to maintain confidentiality and privacy over this sensitive data.

However, I have uncovered disturbing evidence that suggests my private student loan details have been mismanaged, improperly disseminated, and/or inaccurately reported without my explicit consent. Such actions constitute a flagrant breach of XXXX 's confidentiality requirements for education records. 

Moreover, these violations appear to run afoul of the principles laid out in the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), which upholds the imperative of consumer reporting agencies handling consumer information fairly, accurately and with utmost respect for individual privacy rights per section 1681 ( a ) ( 4 ). 

Given the status of student loan data as protected education records under XXXX, any unauthorized disclosure or mishandling fails to meet the FCRA 's stated objective of ensuring proper utilization of consumer data with necessary confidentiality safeguards in place, as mandated by section 1681 ( b ).

I urge the CFPB to immediately open a thorough investigation into these alleged privacy violations by the Department of Education, student loan servicers and any other actors who have compromised the lawful confidentiality of my student records. Such transgressions are unacceptable and unlawful.

Please advise on the specific remedial actions, enforcement measures and systemic corrective steps your agency will take to address this complaint, hold violators accountable, and uphold my statutory rights to student record privacy and confidentiality as guaranteed under XXXX and the FCRA 's provisions. 

Thank you for your prompt attention to this grave matter impacting student privacy rights. I look forward to your official response and resolute action.