davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-15
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. (GA)

This issue is regarding the reporting of student loans on my credit report because they are a clear violation of my rights under 20 USC 1232g - the Family Educational Rights and Privacy Act ( FERPA ) and the provisions of the Privacy Act of XXXX. I believe that my request for removal of these student loans from my credit report aligns with my rights as per 20 USC 1232g, which states in part, " No funds shall be made available under any applicable program to any educational agency or institution which has a policy or practice of releasing education records ( or personally identifiable information contained therein, other than directory information, as defined in paragraph ( XXXX ) ) of students without the written consent of their parents to any individual, agency, or organization. '' Furthermore, Section XXXX of the Privacy Act XXXX provides individuals with the right to access their records and request amendments if they believe that the data is inaccurate, irrelevant, untimely, or incomplete. Specifically, it states that, " Each agency that maintains a system of records shall ... maintain all records which are used by the agency in making any determination about any individual with such accuracy, relevance, timeliness, and completeness as is reasonably necessary to ensure fairness to the individual in the determination. '' As a federally protected consumer, I have the right to have the correct information reported accurately on my report and Experian, XXXX, and XXXX ; by way of XXXX and the Department of Education, have been misusing my credit file by reporting my student loans, without my expressed written consent. So per the FCRA  and 15 USC 6802e ( 2 ), because they do not have my consent, I am opting out of them reporting student loan information on my credit report, effective immediately.
Consumer complaint received 2024-01-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I have successfully disputed and resolved similar issues with other credit reporting agencies, and they have promptly updated their records. However, I am puzzled as to why your bureau has not complied with the law and corrected this error. 
The inaccurate reporting pertains to XXXX XXXX, and I believe it is a result of an error rather than my failure to make a timely payment. I reported this discrepancy to your bureau on XX/XX/XXXX, XXXX, and I have submitted all required documentation to support my claim. 
It is perplexing to me that while other credit reporting agencies were able to accurately report my credit history and remove the late account, your bureau has not taken similar corrective action. 
I request that you promptly investigate this matter and take the necessary steps to correct the inaccurate reporting of the late account on my credit report.
Consumer complaint received 2024-01-15
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, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Bankruptcy, # XXXX ( XX/XX/XXXX ) and ( XX/XX/XXXX ). 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section A. Section 2 : It also states that a consumer reporting agency can not furnish an 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 or any other adverse item of information other than records of convictions of crimes that antedate 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 2016-10-20
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: NAVY FEDERAL CREDIT UNION (CA)

I use Navy Federal Credit Union. They claim to offer fraud protection and to monitor accounts. I rarely use my debit card and pay for most things by my credit card. They have had excellent monitoring of my credit card. I was planning a trip XXXX and notified them of my travel dates. While XXXX, I kept my debit card in an XXXX blocking sleeve and used it only three times. Although my debit card was never stolen, there were somehow ATM withdrawals from my checking account outside of my travel dates. These amounts totaled to over {$4000.00} in withdrawals I did not authorize. When I contacted my bank to report the fraud, they rejected my claim. They stated that since I used the mobile application, I should have noticed the fraud earlier. The investigator, XXXX, refused to speak to me.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (GA)

This issue is regarding the reporting of student loans on my credit report because they are a clear violation of my rights under 20 USC 1232g - the Family Educational Rights and Privacy Act ( FERPA ) and the provisions of the Privacy Act of 1974. I believe that my request for removal of these student loans from my credit report aligns with my rights as per 20 USC 1232g, which states in part, " No funds shall be made available under any applicable program to any educational agency or institution which has a policy or practice of releasing education records ( or personally identifiable information contained therein, other than directory information, as defined in paragraph ( 5 ) ) of students without the written consent of their parents to any individual, agency, or organization. '' Furthermore, Section 7 of the Privacy Act of 1974 provides individuals with the right to access their records and request amendments if they believe that the data is inaccurate, irrelevant, untimely, or incomplete. Specifically, it states that, " Each agency that maintains a system of records shall ... maintain all records which are used by the agency in making any determination about any individual with such accuracy, relevance, timeliness, and completeness as is reasonably necessary to ensure fairness to the individual in the determination. '' As a federally protected consumer, I have the right to have the correct information reported accurately on my report and XXXX, XXXX, and XXXX ; by way of Aidvantage and the Department of Education, have been misusing my credit file by reporting my student loans, without my expressed written consent. So per the FCRA and 15 USC 6802e ( 2 ), because they do not have my consent, I am opting out of them reporting student loan information on my credit report, effective immediately.
Consumer complaint received 2024-01-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute an item on my credit report. I have been having issues with XXXX XXXX and XXXX XXXX for quite some time now. Despite numerous attempts to rectify the situation, I am still having to file complaints and dispute letters. I am extremely frustrated with this situation, as I was promised that this issue would be resolved within 10 days. It has now been 65 days and the issue is still impacting my credit score, which is preventing me from moving forward on a loan. This is causing me a great deal of emotional and physical distress, and I am at my wit 's end. Please see the attached documentation regarding my accounts with XXXX  XXXX and XXXX XXXX : XXXX  XXXX XXXX Date opened : XX/XX/XXXXXXXX  Balance : {$35.00} and XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. And also, the bankruptcy information currently reflected on my credit report is not only inaccurate but egregiously so. The case purportedly being reported as valid and accurate is patently incorrect. Contrary to your records, there has never been a case tried or seen, and unequivocally, there is NO JUDGMENT associated with it. Absence of a judgment indicates the absence of a case a basic legal principle seemingly overlooked in your reporting. It baffles me how a case that was never presented before a judge is now being reported as valid on my credit file. I demand that this erroneous account be promptly expunged from my credit report. Failure to rectify this situation with the utmost urgency will leave me with no choice but to pursue legal action. Be advised that I have already consulted with my attorney, and should this matter persist beyond 30 days from the date of this letter, a federal case will be initiated against the responsible party. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Filed on XX/XX/XXXX. I implore you to take immediate action to correct this gross misrepresentation. Disregarding this request and continuing to disseminate inaccurate information will compel me to seek legal redress without hesitation.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (SC)

According to the Fair Credit Reporting Act, I have the right to ensure that XXXX and XXXX, as consumer reporting agencies, handle my private information fairly and with respect for my privacy. The law, specifically 15 USC 6801, states that financial institutions, including those furnishing information to credit agencies, must have an ongoing obligation to respect customer privacy.

I emphasize that these agencies and the financial institution ( Furnisher of information to credit agencies ) lack my consent to furnish, my information, as stated in 15 USC 1681 section 604 ( a ) ( 2 ). Moreover, they did not inform me of my right to exercise my nondisclosure option, a requirement under 15 USC 6802 ( b ) ( c ). 

I argue that XXXX and XXXX are violating the law by reporting adverse information without my permission, as outlined in 15 USC 1681C ( a ) ( 5 ). Additionally, 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) prohibits furnishing inaccurate information to consumer reporting agencies, and 15 U.S. Code 1681e mandates consumer reporting agencies to maintain reasonable procedures to avoid violations. 

Pointing to 12 CFR 1016.7, I highlight my right to opt out of their reporting services at any time. In summary, I assert that these entities are not adhering to various legal provisions designed to protect consumer rights regarding privacy and information accuracy.
Consumer complaint received 2024-01-15
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)

On XXXX XXXX XXXX XXXX, I sent a letter to XXXX, Experian, XXXX, and XXXX XXXX  regarding numerous violations of the Fair Credit Reporting Act in which the aforementioned Credit Reporting Agencies failed in their grave responsibilities to exercise fairness, impartiality, and respect for the consumer 's right to privacy. 

Per 15 USC 1681b the CRA may furnish a consumer report in accordance with written instructions of the consumer to whom it relates. As the consumer, I did not give them written. Also, I believe that they have also violated the Privacy Act of 1974 by disclosing a record without my written consent.

I requested that the CRAs mentioned above discontinue reporting account status, payment history, and derogatory remarks as it is a violation according to 15 USC 1681a ( 2 ) ( A ) ( I ) but they failed to abide by my request or abide by my request to opt out of this reporting per 12 CFR 1016.7.

These violations have caused me irreparable harm, and adverse actions, and have affected my livelihood. Congress has put into place legislation to protect the consumer from these inaccuracies and methods to undermine public confidence in the banking system. My privacy has been breached by these aforementioned CRAs and they must be held accountable for their willful noncompliance.
Consumer complaint received 2020-07-02
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (CA)

Dear who May Concern, I leased the XXXX XXXX XXXX, and I did set up an ACH automatic withdraw from my checking account for three years. Suddenly, the system stopped withdraw my money and reported delinquency to the bureau Agency. My lease was expired in XX/XX/XXXX, and there was a lockdown for a pandemic. That is why I couldn't return the vehicle, and they continuously ask for payment and late fees. I did contract XXXX XXXX few times to remove the delinquency on the bureau, and they responded, " there is nothing I can help, and you have to contact bureau agency, '' ; even though I had to make full payment on XXXX, XXXX and XX/XX/XXXX. I contacted XXXX  to dispute, but the result remained the same because XXXX can't contact XXXX XXXX. I couldn't reach the XXXX XXXX credit dispute center either because there is no contact phone number. I had an excellent 800s Fico, and it dropped to 600s because of XXXX XXXX ; they are violating UDAAP-Unfair.
Consumer complaint received 2018-12-03
Product: Credit reporting, credit repair services, 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. (CA)

Credit Bureau : Equifax Date of Inquiry : XX/XX/17 Company information : XXXX There is a hard pull showing up on my credit report, but I did not authorize this. Equifax is unable to help me remove it.
Consumer complaint received 2017-11-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (OH)

Took a loan out for {$1200.00} have paid back {$1200.00} before Loan was due on XX/XX/XXXX. Balance has not gone down and still shows 12 payments of {$450.00} due every month. Have asked company for loan docs, asked why Loan balance hasnt reflected the {$1200.00} payment and what the payoff balance is. They will not work with me or show my loan as paid in full.
Consumer complaint received 2024-01-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc. (PA)

My name is XXXX XXXX and this statement is being composed by me. In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed inthis report should not be furnished on my reports. FCRA Section 604F prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report and is obtained for a purpose for which the consumer report is authorized to be furnished under FCRA. FCRA Section 1681S-2 also states, that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. There is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers rights to privacy along with accuracy. I am demanding removal of the listed accounts ; DEPT OF ED/XXXX, DEPT OF EDXXXX.
Consumer complaint received 2024-01-10
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. (IA)

My information was sold and bought illegally because I was victim of the XXXX data breach. L want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has deleted Account # XXXX XXXX XXXX. 
Please help me delete these illegal items from my credit report immediately. Account # XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXXXXXX. Please delete these accounts from Expirian and XXXX as well.
Consumer complaint received 2024-01-10
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: SYNCHRONY FINANCIAL (SC)

I was in the process of trying to buy a home for me and my XXXX  due to her father being XXXX  for a long time and us needing a fresh start, when I realized I had damages on my report. THIS is a Violation of the FCRA and is also in Violation of requisite XXXX XXXX Compliance reporting standards. According to the Fair Credit Reporting act, I have the right to a fair and accurate credit report, therefore any information that is not true, accurate, or verifiable is required to be removed.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I recently obtained a copy of my credit report and identified an inaccurate listing of a repossession. I firmly believe this information is incorrect and should be removed immediately based on 15 U.S. Code 1681o - Civil liability for negligent noncompliance. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX 2018 ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 
Specific details of the repossession in question account listed in document 1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
2.What certified documents were reviewed to conclude your investigation?

3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4.What did it cost your company to obtain the documents needed to complete your investigation? 
5.Please provide proof of your timely procurement of certified documents.

6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7.If yes to above : a.Who did you speak to?

b.On what date?

c.How long was the conversation?

d.What was their position?

e.What telephone number did you call? 
f. What is the name of the employee of your company that spoke directly to the above party? 
g.What is the position of the employee of your company that spoke directly to the above party? 
h.How long has that employee been employed by your company? 
i.What formal training was provided to this employee to investigate items of this kind? 
j.Was there any email or written communication between members of your company and the above party? 
8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease
Consumer complaint received 2020-10-12
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: EQUIFAX, INC. (NC)

Equifax failed to properly investigate and fix an error on my credit report. I contacted the company on 3 separate occasions beginning on XX/XX/2020 providing verification of inaccurate information and each time they failed to investigate and fix the error within a timely manner. The confirmation numbers are as follows : XXXX, XXXX, XXXX.
Consumer complaint received 2024-01-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I hope this letter finds you well. I am writing to bring to your attention the late payments that are currently reflected on my credit report. After reviewing my credit history, I have identified instances of late payments that I believe are inaccurate and adversely affecting my credit score. 
XXXX XXXX XXXX I understand the importance of maintaining a positive credit history and take responsibility for any oversights that may have occurred in the past. However, I would like to request the removal of the late payments associated with my account, as I believe they do not accurately represent my creditworthiness. 
I have attached supporting documentation, including bank statements and payment receipts, to demonstrate that the reported late payments are not reflective of my actual payment history. I have taken steps to rectify any discrepancies and ensure that my future payments are made on time. 
I kindly request that you investigate this matter promptly and remove the inaccurate late payments from my credit report. Doing so will greatly contribute to improving my credit score and financial standing. If you require any additional information or documentation, please do not hesitate to contact me
Consumer complaint received 2024-01-15
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. (TN)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2020-05-11
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)

I recently received notice from my homeowner insurance provider of significant rate increase ( ~40 % ) due to change in credit rating. Ran report and discovered a claim from collection agency ( XXXX XXXX ) related to fraudulent charges ( gas credit card ). Upon being made aware of charges in 2019, our attorney requested evidence of charges. No response was provided. 

What do I need to do to have this fraudulent claim removed from my credit report ( s )? 

Thank you in advance for your help. 

XXXX XXXX