davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
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)

I am writing to bring to your attention a matter of concern regarding the reporting of my educational records, specifically the transaction history, to credit reporting agencies. This action by XXXX, is a clear violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ) of 1974 and the Privacy Act of 1974.

FERPA, codified at 20 U.S. Code 1232g, protects the privacy of student education records. Under FERPA, educational institutions that receive federal funds are required to maintain the confidentiality of student records and can not disclose personally identifiable information without the student 's consent. Moreover, the Privacy Act of 1974 explicitly states that the term " record '' means any item, collection, or grouping of information about an individual that is maintained by an agency, including but not limited to his/her education, financial transactions, medical history, etc. Transaction history pertinent to educational loans or financial matters, falls squarely within the realm of protected information. As a student loan servicer/custodian of these records, XXXX is bound by FERPA regulations when handling my account information. 

I have reviewed my credit report from XXXX, XXXX and Experian and noted that my account information, pertaining to my student loans serviced by your organization, has been reported to credit reporting agencies. This action appears to be a violation of my rights under both FERPA and the Privacy Act. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. 

I am demanding that you cease reporting my account information to all credit reporting agencies, as required by law. Furthermore, I expect confirmation that my account information has been removed from XXXX, XXXX and Experian and all other credit reporting agencies. 

Due to such negligence this issue necessitates the intervention of the Consumer Financial Protection Bureau. I am seeking not only accountability for XXXXXXXX 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. Failure to comply with these legal obligations may result in further action to protect my rights under federal law. 

Thank you for your prompt attention to this matter. I anticipate your cooperation in resolving this issue in accordance with the applicable laws and regulations.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-04-10
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: Experian Information Solutions Inc. (NY)

I've been having issues with Experian Credit Bureau reporting a fraudulent account on my consumer report. The account stated and reported on my consumer report is XXXX XXXX  and XXXX XXXX. This account is reporting as a charge off account and negatively affecting my consumer report. This fraudulent account is also reporting a negative balance of XXXX XXXX Fraudulent account was open XX/XX/2018. Via FRCA 605B Experian is in violation, I need this account removed immediately. They CAN NOT verify or validate that this account is mine yet it is defamation to my consumer report. I would like to also state this is the ONLY Credit Reporting Agency reporting this UNKNOWN account. I will attach a few documents below with XXXX and XXXX XXXX reports. Along with documentation on why this fraudulent account was DELETED.
Consumer complaint received 2024-04-10
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital one for some reason is running my credit, a total of 5 times, i spoke with a representative last year about this same issue and she advised me to it would be deleted, here we go another year same issue
Consumer complaint received 2024-04-10
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. (FL)

I recently reviewed a copy of my credit report, i was shocked to learn that i have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. this has been hurting me as i am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-04-10
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. (SC)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

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 2023-08-29
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)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-12-04
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Absolute Home Mortgage Corporation (NJ)

I applied for a 30year fixed rate FHA loan. There is a Mortgage insurance premium which you can pay at closing or you can finance it. Which increases your loan amount. 
Mortgage insurance premium in the amount of {$8100.00} was charged and paid at closing. 
Mortgage insurance premium was also rolled ( financed ) into my loan in the amount of {$8100.00}. 
Lender locked an interest rate for this loan at 7.25 percent and also charged me {$7100.00} for discounted points but rate was never reduced. This was also paid at closing. I paid {$20000.00} for down payment and had a sellers concessions in the amount of {$15000.00}. Which is a total of {$35000.00}. FHA only requires 3.5 percent down payment. 
Only XXXX went towards my downpayment. 

Purchase price is XXXX My loan amount is XXXX this includes {$8100.00} for mortgage insurance premium which was already paid at closing. 
Sellers credit in the amount of {$1400.00} was also given but not needed. To cover closing cost. 

Title company confirmed that all these fees were paid at closing.
Consumer complaint received 2023-09-20
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. (GA)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXXXXXX Balance : {$390.00} ; XXXX XXXXXXXX Balance : {$680.00} XXXX XXXX XXXX XXXX  Balance : {$290.00} XXXX XXXX XXXX XXXXXXXX Balance : {$710.00}.
Consumer complaint received 2024-04-10
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. (VA)

In accordance with the Fair Credit Reporting act XXXX the following accounts have violated my rights, listed below. 

Account # XXXX Bank XXXX XXXX Account # XXXX First XXXX Bank Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. XXXX 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. Witch I never in no manner provided to the fore mentioned parties listed above.
Consumer complaint received 2023-12-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC (GA)

Dear Consumer Protection Agency, I am writing to file an urgent complaint against Acima Corporation, detailing my recent experience with a lease agreement initiated on XX/XX/, for the purchase of two tires. 

On XX/XX/, I attempted to make a payment of {$880.00}, the total payoff amount, which was unsuccessful. Subsequently, on XX/XX/XXXX XXXX XXXX I encountered a technical glitch in Acima 's automated system, preventing me from completing the payment. Unfortunately, the office was closed, leaving me unable to address the issue with a live agent. 

After reporting the error on the next business day, I was informed by Acima that an additional {$100.00} would be required to process the payment. Despite my objections that this penalty was unjust due to the system error, I was offered the option to extend the due date for an additional {$100.00}, which I declined at that time. 

Following discussions with a supervisor, I was instructed to provide bank statements to verify fund availability. I explained that my bank statements would not be available until the end of the month but promptly sent screenshots as a temporary measure. Despite my efforts, the account balance to pay off the lease increased to {$1100.00} during the dispute period. 

Upon the resolution of the dispute, I provided Acima with the necessary bank statements, including a letter confirming the XXXX transfer. Regrettably, Acima did not honor the original payoff amount of {$880.00} and is now charging an additional lease interest fee of {$1100.00}. This drastic increase is unjust, especially given the ongoing dispute. 

I am seeking your assistance in resolving this matter and request the following : An immediate reversal of the additional lease interest fee of {$1100.00}. 
A confirmation of the original payoff amount of {$880.00}. 
An acknowledgment of Acima 's error and assurance that measures will be taken to prevent similar situations in the future. 
A written acknowledgment and assurance from Acima regarding their commitment to fair and consumer-friendly practices. 
I believe that the Consumer Protection Agency plays a crucial role in safeguarding consumer rights, and I trust that your intervention will lead to a fair and just resolution. I request your prompt attention to this matter and anticipate a response within [ reasonable timeframe, e.g., 15 business days ] from the date of this letter. 

Thank you for your commitment to consumer protection.
Consumer complaint received 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I am having issues with my mail being send to out dated addresses. I finally pulled my credit report and found information that doesn't even belong to me on my report. please remove the following addresses they are not mine : XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX My current and only address should be XXXX XXXX XXXX, XXXX, XXXX XXXX.
Consumer complaint received 2023-09-20
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: Experian Information Solutions Inc. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 2023-09-20
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. (FL)

I am writing to formally dispute the inclusion of certain items in my consumer report, which I believe were reported without my written consent. I am bringing this matter to your attention in accordance with the provisions of 15 USC 1681b, which safeguards the privacy of consumer information. 

I filed a report with the Federal Trade Commission ( FTC ) regarding the unauthorized reporting of my personal information, which I believe constitutes identity theft. I have been issued a reference number for this FTC report, which is [ XXXX ]. 

According to 15 USC 1681c-2, consumer reporting agencies are required to promptly block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from alleged identity theft. I kindly request that you adhere to this legal requirement and remove the following accounts from my consumer report immediately
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Cap1 restricted the card and then keeps asking for more and more documents and I have supplied everything they asked and they closed the account, seized my points, not refunding Annual Fee paid.

They want Utilites bills, I provided ; They want Bank Statements, I provided ; They want proof of income, I provided ; They want ID and SSN, I provided ; And then they closed the account, seized my points, not refunding Annual Fee paid.
Consumer complaint received 2024-04-10
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. (CO)

In accordance with the Fair Credit Reporting act XXXX XXXX Experian XXXX Account # : XXXX XXXX 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 SIction 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-09-20
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. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 2023-10-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Upstart Holdings, Inc. (HI)

In XXXX I received a loan from Upstart. From that time to around the end of XXXX, everything was fine, I was making payments on time. Around the end of XX/XX/XXXX I requested that the due date of my loan be changed to match my last payday which is the end of every month. I was told that that could be done and the representative put me on hold and when she came back, she confirmed with me that my due date was changed. I thanked the representative and went about my day. On XX/XX/XXXX, I was the victim of the Hawaii Wildfires. Even though my address is in XXXX, we also got the brunt of the fires as well. I contacted Upstart several times during this time and advised them of this and advised them that since my income had sufficiently decreased and that I was taking care of a XXXX parent, that I wasn't going to be able to do anything in the form of payments until this XX/XX/XXXX. I did my due diligence in contacting these people and they did not offer to make my account current during this time, nor did they waive any late fees as they stated that they did in their numerous emails to me. All they said was that my account was XXXX past due for the amount of a little over {$700.00} and that I could make partial payments to bring my account current or else the entire promissory note would be due in full and that my account would be charged off. There was no compassion, nothing, only threats and demands for monies that right now, I don't have as I am trying in vain to take care of my mom who is XXXX and get the damage to our home fixed. I need some sort of relief. All of my other credit card companies have been so thoughtful and even waived any payments that were coming due due to the fires. We were all over the national news!! What makes Upstart so special that they can treat people this way, and military people at that?