davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-29
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. (MI)

I checked my report on XX/XX/year>, and noticed some things are incomplete and inaccurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The following accounts are not complete and accurate. 
[ XXXX XXXX ] [ XXXX XXXX ] . 
[ Dept ED/XXXX XXXX XXXX ] [ XXXX XXXX ]
Consumer complaint received 2023-12-24
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. (NC)

I am writing to file a formal complaint against XXXX XXXX XXXX regarding their unauthorized and illegal reporting of my educational records, specifically the transaction history, to consumer reporting agencies. This action by XXXX XXXX XXXX is a clear violation of the Family Education Rights and Privacy Act ( FERPA ) of 1974.

The Family Education Rights and Privacy Act ( FERPA ) safeguards educational records, encompassing a wide array of information, including but not limited to grades, transcripts, disciplinary records, and personally identifiable information ( PII ) directly linked to a student. Transaction history pertinent to educational loans or financial matters, although not explicitly outlined in FERPA, falls squarely within the realm of protected information due to its direct association with the educational journey and financial status of the student. 

As custodians of these records, XXXX XXXX XXXX is bound by FERPA regulations. However, they have egregiously disregarded these regulations by reporting transaction histories to consumer reporting agencies without obtaining my explicit consent, thereby breaching the privacy rights guaranteed under FERPA.

Moreover, the Privacy Act of 1974 supplements FERPA by regulating the collection, use, and dissemination of personal information by federal agencies. This act establishes stringent measures to ensure confidentiality, accuracy, relevance, and proper use of personal information. 

XXXX XXXX XXXX ' disclosure of my transaction history to consumer reporting agencies without my explicit consent constitutes a blatant violation not only of FERPA but also of the broader principles established under the Privacy Act of 1974. These actions compromise the confidentiality and privacy protections afforded to my educational records and personal information, resulting in tangible financial damages and emotional distress. 

Despite my attempts to rectify this matter directly with XXXX XXXX XXXX, their failure to acknowledge or resolve the issue necessitates the intervention of the Consumer Financial Protection Bureau. I am seeking not only accountability for XXXX XXXX XXXX ' actions but also compensation for the financial damages and emotional distress incurred due to their illegal reporting activities. 

I kindly request that the CFPB investigate this matter thoroughly and take appropriate actions to rectify the violations committed by XXXX XXXX XXXX. Pursuant to 15 USC 1681n, I seek damages of {$1000.00} per violation as a result of their unlawful actions. 

Enclosed with this letter are relevant documents supporting my claim. Please do not hesitate to contact me for any further information or clarification needed to pursue this matter. 

Thank you for your attention to this urgent issue. I trust that the CFPB will take necessary steps to address this grievance and ensure justice is served.
Consumer complaint received 2024-01-18
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. (NY)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

I had a Chase Sapphire XXXX card for many years and accumulated XXXX points. Chase recently closed my account, now stating I have XXXX points. This is a material sum of money I accumulated over years and should not forfeit. 

Chase also continue to advertises for many different products & services after closing my accounts and not allowing me to open or reinstate any accounts.
Consumer complaint received 2024-01-14
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I have two emails both saying that if I brought my card up to current that I would be able to use it again. THAT WAS A LIE. Today after making all the payments I am told my card is been closed off for good. It is illegal to lie to customers and yet they did just that. I want them fined and the use of my card returned.
Consumer complaint received 2024-01-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/, I used my credit card as defined under 15 USC 1602 ( a ) ( l ) to extend my credit through Capital One company. On XX/XX/, I received an adverse action letter from Capital One company attempting to explain why I was denied. According to 15 USC 1691 ( a ) ( 3 ), this was an act of discrimination. I, in good faith, exercised my right to extend credit as a consumer and a creditor, and I was denied for no specific reason. Capital one also violated federal law and will be held civilly and criminally liable because Capital One violated 15 USC 1602 ( a ) ( p ). Capital One used my credit card without authority, and I, the cardholder and consumer, received no benefit. They are now civilly criminally liable under : 1. 15 USC 1611 2. 15 USC 1640 3. 15 USC 1691e
Consumer complaint received 2024-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am writing to follow up on my previous complaint regarding the persisting negative accounts on my credit report. I remain deeply concerned about the recurring nature of these disputes and the lack of a satisfactory resolution.
Consumer complaint received 2024-01-13
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 (IL)

On XXXX  there is a charge posted for a charge on my Capital One credit card account ending XXXX  for an item that I have canceled with the merchant but have been unable to receive a refund. I send a dispute form to Capital One to initiate a dispute for this and received a confirmation that it was delivered to Capital One on XXXX XXXX XXXX XXXX XXXX However, Capital One has not done anything since to actually start the dispute process or help me in any way. Screenshot of the transaction attached to this complaint to make it easier to locate. Online " Report a problem '' button also does not work to initiate a dispute.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The other day I viewed my credit to find that there were a number of problematic and inaccurate information and inquiries. These inaccuracies are absolutely devastating and have sent me into an anxious spiral. I need my credit back in good standing in order to get business funding and keep my business abov ground and these errors are making that impossible. I need this corrected right away.
Consumer complaint received 2024-04-29
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. (GA)

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. 

Account Name : XXXX  XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2024-01-11
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. (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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 has violated my rights. Or list of inquiries 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 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

THIS IS GOING TO BE A VERY SERIOUS COMPLAINT AND ONE THAT WARRANTS IMMEDIATE INVESTIGATION LEADING TO AN APOLOGY AND PENALTIES AND PUNITIVE DAMAGES REWARDED TO ME. 

MY COMPLAINT IS THAT BANK OF AMERICA IS PARTAKING IN DISCRIMINATORY PRACTICES AGAINST ME. I DID NOT REPORT THE FIRST INSTANCE OF THIS ABOUT A YEAR AGO, BUT NOW THAT IT IS OCCURRING AGAIN, I FEEL COMPELLED TO REPORT THE ABUSE NOW. 

THE FIRST INSTANCE OF DISCRIMINATION OCCURRED ABOUT A YEAR AGO IN THE XXXX, XXXX, AZ BRANCH. I WAS MAKING A DEPOSIT FOR MY DAD, WHO IS XXXX, XXXX  XXXX AND UNABLE TO COME TO THE BRANCH. I WAS MAKING IDLE CONVERSATION WITH A FELLOW CUSTOMER WHILE IN LINE FOR AN EXTENDED AMOUNT OF TIME. HE EVENTUALLY GOT FRUSTRATED AND LEFT. 

I THEN STARTED TO MAKE CONVERSATION WITH A MAN IN FRONT OF ME. I JUST ASKED HIM IF HE HAD A COMPLICATED TRANSACTION THAT WOULD TAKE A LOT OF TIME. ( I WAS THINKING OF LEAVING AND COMING BACK ANOTHER TIME ). HE LOOKED ME OVER AND BECAME VERY RUDE. HE ACTUALLY STARTED ABUSING ME VERBALLY. I TOOK OFFENSE TO THAT AND DEFENDED MYSELF. THAT ESCALATED HIS ATTACK AND HE STARTED TO BECOME PHYSICAL. 

I DIDNT WANT A CONFRONTATION SO I RETREATED TO ANOTHER AREA IN THE BANK AND STOOD BEHIND A BANK ASSOCIATE. I EXPLAINED WHAT WAS DEVELOPING. THEY TRIED TO CALM HIM DOWN. TURNS OUT HE IS XXXX AND I AM XXXX. HE SENSED THAT AND WAS SO EVIL TO ME. AFTER ABOUT 15 MINUTES OF HARASSMENT FROM THIS PERP, I WAS TOLD TO LEAVE AND WAS FORBIDDEN TO EVER COME BACK TO THIS BRANCH. THE PERP HAD NO RESTRICTIONS PLACED ON HIM. 

THATS DISCRIMINATION. 

NOW ABOUT A YEAR LATER BOFA GOES AHEAD AND LOWERS MY CREDIT CARD LIMIT BY OVER 30 %. MY BALANCE IS {$0.00}. MY ACCOUNT IS A FEW YEARS OLD AND WHEN I DID HAVE A BALANCE IT WAS MAINTAINED IN AN EXCELLENT MANNER. I AM XXXX, XXXX AND ON SOCIAL  SECURITY  INCOME. I HAVE EXCELLENT CREDIT RATING WITH OVER 15 CREDIT CARDS. NEVER ANY LATE PAYMENTS AND LESS THAN 10 % UTILIZATION. THERE IS NO JUSTIFICATION FOR MY LIMIT TO BE LOWERED. I HAVE BEEN AN IDEAL CUSTOMER WITH SUPERB HANDLING OF THIS ACCOUNT. 

WHEN I CONTACTED THEM TO CORRECT THIS, THEY WERE VERY RUDE AND UNHELPFUL. THEY DID TELL ME THAT IT WAS LOWERED DUE TO " INACTIVITY '' AND " HIGH '' UTILIZATION IN ALL ACCOUNTS. 

MY CARD WAS INACTIVE BECAUSE THEY DIDNT OFFER ME ANY PROMOTIONS OR ANYTHING BENEFICIAL TO ME ( LIKE 0 % APR, BALANCE TRANSFER, PURCHASE PROMOS, ETC ) HOW CAN I BE PENALIZED FOR NOT USING THE CARD WHEN THE BANK DOESNT OFFER ANY MEANINGFUL DEALS, WHICH I AM GETTING AT OTHER BANKS RIGHT NOW? 

ALSO, I DONT THINK 10 % UTILIZATION IS HIGH. IN FACT, THE INDUSTRY, INCLUDING THE CREDIT BUREAUS DOESNT THINK 10 % IS HIGH, THEY ACTUALLY THINK ITS EXCELLENT. 

THE ONLY CONCLUSION THAT ONE CAN MAKE IS THAT IF I WAS PENALIZED WITH NO JUSTIFICATION THEN THE REASON FOR THIS ACTION IS DISCRIMINATION.
Consumer complaint received 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Last year I applied for Capital One Spark Business card, and the initial application described the card as a " signature '' card. In every case, a " signature '' card of a higher limit with certain benefits regular cards do not have ( lower interest, considerably higher credit lines, and other incentives ). It is my contention that by advertising a " signature '' card and then opening an account with the lowest limit possible ( XXXX ), CapitalOne is using deceptive advertising to lock consumers in to an account that can not possibly help them. It is a pattern and a practice, and the fact is an account of this particular type and limit does little for someone like myself who has graduated to XXXX limits and the perks that come with that. My XXXX XXXX dropped and my profile itself will likely suffer as I have no choice but to close it. It should be removed.
Consumer complaint received 2024-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion, XXXX, and XXXX continue to report a balance on the account XXXX XXXX XXXX that is inaccurate. The account has been paid in full and should reflect as such. TransUnion, XXXX, and XXXX are violating federal law by willingly reporting this account inaccurate and in a manner that is not consistent with the law. I have equitable interest in my estate and making such allegations without verifiable proof that I am indebted to this alleged financial institution is causing me damages and preventing me from participating in interstate commerce which is my unalienable right.
Consumer complaint received 2024-04-29
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. (GA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-04-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-01-12
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: Atlanticus Services Corporation (GA)

I filed a complaint with the CFPB on XX/XX/2023 ( attached ) because I was being harassed by a debt collector I was not familiar with. Upon my own investigation I learned I had fraudulent activity on a card that had been maxed out. I explain the situation to your company through this platform. after XXXX tries, you all admitted fault and said you would remove all damaging and harmful items/listings accounts/etc. THAT STILL has not happened and I have waited more than patiently to allow your company to cure the claim that I had. The account is still open, there are still statements being created and a balance on card I never used. Upon making an account to further investigate, there is an {$85.00} PAYMENT from my account that should have been returned upon you all seeing that this account had been fraudntly used. I have continued to be harmed, abused and no concern for my credit reputation that has been damaged or the harm that has been caused and you have continued to WILLFULLY cause.
Consumer complaint received 2024-01-11
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (TN)

XXXX XXXXXXXX XXXX calls ten times a day I blocked serval numbers but they just keep calling from all sorts of numbers and area codes have asked them to stop calling but continue to call constantly, as well as calling private All times of the day I have gotten written up at work because my phone keeps ringing.
Consumer complaint received 2023-06-05
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 submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again 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 2023-04-28
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. (PA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.
Consumer complaint received 2024-01-11
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: SYNCHRONY FINANCIAL (HI)

I went to do a soft pull on my credit score beginning XX/XX/XXXX cause was looking into making a home loan to rebuild my moms home and with using my personal bank that allows it without credit score being affected. Opened it up and showed XXXX as my score. Went to look at credit report and I had over 14 new open issues at top and below showing all open accts from XXXX of XXXX and a couple in XXXX. Below I have uploaded all reports that havent been authorized by me. And police repost also made which have been uploaded. It has taken me almost 3/4 months to get here now and place this report in hopes to fix my credit.