davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc. (SC)

Subject : Urgent : Request for Correction of Credit Report - Compliance with Federal and UCC Laws Dear Upstart Network Inc., I trust this communication finds you well. I am writing to express profound concerns about potential violations of both federal and Uniform Commercial Code ( UCC ) laws related to my investment with Upstart. 

As an investor, I provided Upstart with an asset-backed security, aligning with the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681s-2. Upstart, as a furnisher of information, is required to provide accurate information to credit reporting agencies. The absence of a system to verify billing statements with investors, as outlined in 15 U.S.C. 1666 ( b ), raises significant questions about the permissible purpose for reporting such information without explicit written consent or a court order.

In addition to federal law, I want to emphasize UCC Article 9 - Secured Transactions ( 9-609 ). This section mandates that a secured party must conduct enforcement in a commercially reasonable manner. Given the discrepancies in my billing statements, it appears there might be a violation of UCC Article 9 ( 9-609 ) guidelines.

Moreover, UCC Article 9 ( 9-625 ) underscores the duty of a secured party to conduct a comprehensive investigation when an investor disputes the accuracy of information related to their account. To address concerns of security fraud, I insist on a thorough investigation into my account, including a XXXX audit. 

In the event of a XXXX audit, the auditor will have the capability to retrieve the CUSIP number associated with my security. This auditor will be able to scrutinize the financial details, including how much money Upstart has generated from my security and its current valuation.

Failure to promptly rectify these issues may result in further legal actions, including the involvement of the Internal Revenue Service ( IRS ) to ensure compliance with tax regulations. My primary objective is to resolve these matters amicably, and I firmly believe that a comprehensive and timely correction of my credit report is in the best interest of both parties. 

I kindly request the immediate correction of my credit report to accurately reflect a " paid as agreed, never late '' payment history, aligning with both federal laws, particularly the FCRA, and UCC Article 9 ( 9-609, 9-625 ) requirements. 

I trust that Upstart will take immediate, comprehensive steps to address these concerns to avoid further legal actions and to maintain the integrity of our business relationship.
Consumer complaint received 2024-03-20
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 XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account XXXX : XXXX XXXX & XXXX Account 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 2023-03-07
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. (MO)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$48000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$3500.00}
Consumer complaint received 2023-02-15
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. (IN)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the following disputed items in my file will be updated immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-09-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (NY)

In XXXX of 2024 I received numerous collection calls and notices regarding the loan. The notice stated if there was no payment made before XX/XX/XXXX, the loan would be determined 60 days late. ( Please see attached printed email with XXXX date and the amount listed of {$910.00} ). 

There were payments after the date on the email. 

Regardless of payments made, I am still receiving notices for additional collection and 90 day activity on the account. 

The additional payments were not rejected and have been deducted from my bank. 

Bridgecrest has not applied the payments to my account, and the aging report for my ledger is incorrect.
Consumer complaint received 2024-03-20
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 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 2021-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Last XXXX2020 I've sent documentation for those unknown and inaccurate accounts I found on my credit report. It's been 60 days now but there's no response yet. I'm a victim of XXXX  Data Breach. I demand to immediately DELETE those accounts or I will file a litigation for causing me so much stress.
Consumer complaint received 2021-10-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (OR)

I got a forbearance due to covid and it ends on XXXX. On XXXX I sent in a request form for a Loan Modification, as I wanted to be proactive and get the payments setup before I was to resume normal payments. I did not wish for this to affect my credit. The Mortgage company sent an insulting and predatory loan modification offer to me that extended the term of the loan an additional 11 years, while only lowering the payment by {$260.00} per month. Naturally, I declined this offer and requested a deferral instead. That was 2 weeks ago, and they now say I am no longer elligible for a deferral since I requested a loan modification. I was never informed I would be giving up the deferral option when requesting a loan modification, and even if that was the case.. why was this information not shared 2 weeks ago when it was requested? I am now 10 days from the forbearance ending with no plan in place. It seems this will start affecting my credit unless we have a solution by then.
Consumer complaint received 2023-02-24
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: ALLY FINANCIAL INC. (FL)

This company Is reporting late payments to credit bureaus without my consent. 

This company also have broken a law. 
15 U.S. Code 1666b I have never received a letter 21 days before due date. 
I only recieved mail telling me that I am in danger of repossession. 
Which violates law 15 U.S. code 1692j - furnishing certain deceptive forms Please remove all late payments account - ALLY FINANCIAL account number - XXXX
Consumer complaint received 2023-02-15
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. (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 US 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American First Finance, Inc. (CO)

American First Financial is trying to collect a debt that is not owed. This account should have been closed and not owed, because the items that were financed were never received. I called and spoke to American First Finance and they agreed and closed the account. They then tried to take a payment which was rejected from my bank because I informed them that this money or items were never received. I have filed a fraud report with the FTC- because whomever got the funds from this loan was not me and I DO NOT OWE this money. THE FTC REPORT # IS XXXX
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

TransUnion, XXXX, XXXX has verified that information that is reporting to my credit file is correct. Which indeed it's not correct all three are reporting inaccurate dates, months, account description and Credit limit. These accounts aren't reporting the same information this has been verified then I request Under Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This not an update of my credit report but a deletion. These three Bureaus are refusing to remove these inaccurate accounts that aren't reporting correctly.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
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 2023-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

right to financial privacy act 1681 sec 2 prompt notice of dispute to furnisher of information you had five days to do so and you have not so this is a violation and i sent certified mail sent XX/XX/2023 number XXXX everything wiped off as XX/XX/2023 and XXXX dollar fine right to financial privacy act 1681 sec 2 prompt notice of dispute to furnisher of information you had five days to do so and you have not so this is a violation and i sent certified mail sent XX/XX/2023 number XXXX everything wiped off as XX/XX/2023 and XXXX dollar fine right to financial privacy act 1681 sec 2 prompt notice of dispute to furnisher of information you had five days to do so and you have not so this is a violation and i sent certified mail sent XX/XX/2023 number XXXX everything wiped off as XX/XX/2023 and XXXX dollar fine
Consumer complaint received 2023-06-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (FL)

Someone is stalking me, and they somehow got my online banking information hacked my account and transferred all my money out of my account, also they came back through a false advertising scam stating they were XXXX XXXX and that they were offering a work from home position and sent me fraudulent information and a fake check. I wasnt aware of that being fraudulent till after the fact. For some reason someone been soliciting trying to make me a miserable old man at a early age. Because people keep attempting to coerce me into a crime.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX acct # XXXX **** 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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-11
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc (NV)

I with thru enrollment at XXXX  XXXX University-XXXX  XXXX and was sent the below via email. 

However, after returning from a work trip to XXXX, TX I became XXXX  and went to the ER with a XXXX XXXX XXXX over XXXX and was diagnosed with XXXX XXXX XXXX and spent 5 days in XXXX. After being released I took several weeks off from work to recover and change my lifestyle and was unable to attend class. I never started nor attended any class at XXXX and now I have a collections on my credit report for {$1500.00} from WILLIAMS AND FUDGE INC for Original creditor : XXXX XXXX UNIVERSITY. 

I informed XXXX  of what happened and that I would not be attending XXXX and 4 years later this show up. 

I would like this removed and for XXXX to correct this as I never attended the school. 


Hi XXXX, Congratulations on your admission and welcome to Colorado XXXX University-XXXX  XXXX! We are thrilled to have you as a student. 

You have been officially registered for the following classes : Start Date Trimester Term Class -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - -- -- -- -- -- -- -- -- XX/XX/16 Fall XXXX  Orientation XX/XX/16 Fall XXXX XXXX XXXX Before starting class, you will now need to work with your Tuition Planning Specialist. This specialist will help you finalize your financing options, submit all remaining required documents, and answer any questions you have about the tuition planning process and paying for school. 



Once you have completed the Enrollment Portal you will receive a notification to log into the Student Portal. At this time please complete your Schoology Orientation in the Student Portal. This will help you become familiar with our online learning environment, learn how to post discussion questions and submit assignments, and see what your first week will be like before class starts. After completing orientation you will be directed to complete the orientation self-assessment, which you will need to complete prior to starting classes. 



Information on finding and ordering your textbook is also available within orientation. We suggest you order your textbook from your vendor of choice as soon as possible to be sure that it arrives before the first day of class. 



Finally, you will need to verify your attendance in each of your courses by posting your introduction to the discussion board. Please post your introduction on the first day of class to ensure your attendance is verified. You will be dropped from your course at the end of your first week if there is no activity or posting in the discussion board. 



Please dont hesitate to contact me with any questions or concerns that you may have. Best of luck in your classes! 



Sincerely, XXXX XXXX Enrollment Counselor XXXX XXXX University-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Office Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2023-08-08
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (TX)

I have contacted the Servicer multiple times in an attempt to correct my credit reporting information. I even had a conversation with the loan guarantor along with a member from the escalations team of the servicer. The guarantor explained to the servicer that the loan should have been granted coverage under the CARES Act based on the updated information shared in XXXX of XXXX ( Link below ) XXXX XXXX XXXXXXXX To which the servicers said they ( Nelnet representatives ) have nothing that states that information and they ( Nelnet Servicer ) didn't make any error on placing the loan in default. 

Given the guarantor is going to following the XXXX XXXX XXXX guidelines provided for the Department of Education, the request was to correct the credit reporting as it is negatively affecting borrowers until it gets corrected with the XXXX XXXX XXXX. I am sure there are other borrowers who will have a similar impact and this should be investigated.
Consumer complaint received 2020-11-10
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: SLM CORPORATION (NJ)

Sallie Mae has incorrectly marked payments I made on time, as past due. They admitted their mistakes weeks ago and said it would be rectified come the next billing period, which it has not. As a result, my credit score has severely suffered. When I call Sallie Mae, they consistently transfer me to different people where I have to start from the beginning and explain my situation once again. I have requested tangible confirmation through email or USPS and they have refused each time. They tell me they will fix the situation by a certain date and then nothing is done and I have to start all over. It has been going on for months. I am at the will of their collection agents. I have made my payments consistently even in extreme financial hardships. They refuse to let me make payments based on my financial expenses and income and XXXX me with interest. At this point I just don't now what to do. I spend hours calling them each day and get no where. They disconnect my calls and I can never find my way back to the same agent. Please help me!
Consumer complaint received 2023-02-15
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 discovered that some of the information on my credit report was incorrect when I reviewed it. and It is not permissible to fail to validate these reporting accounts as unverified information. please investigate the unverifiable accounts : XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX Balance : {$910.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$12000.00}