davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX 8 late payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was never late on the account listed above, please show me documentation showing proof of transaction showing that I was ever late to support your inaccurate reporting on my account. If you can not supply this documentation, please delete this alleged late payment ( s ) from my credit report. This institution is furnishing invalid late payments and is preventing me from being extended my credit. This has violated my rights 15 U.S.C 1681 section 602 A states I have the rights to privacy 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instruction 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. The FCRA allows 30 days for this to be rectified. After the late payments are rectified and corrected to reflect payments made on time, please provide me with a free updated copy of my report.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX provided me with a truck loan, loan XXXX. Theyre incorrectly reporting me 30 days late for XX/XX/year> to XXXX and Transunion XXXX XXXX already got my dispute and correctly removed the 30 day late. What happened was for XX/XX/year> I made the payment on the XXXX day which was a Sunday, and since theyre closed on Sunday companies under proper credit reporting guidelines are supposed to give the payment until XXXX the following business day to post. My payment was not over 30 days late, it was made on the XXXX day, making it not over 30 days, which XXXX correctly reported. This incorrect 30 day late on TransUnion and XXXX is causing me to not be about to close on a home mortgage for my family. Ive never paid 30 days late on any account on my life, and this error is harming me and my family severely. XXXX XXXX is incorrectly refusing to remove the 30 day late with TransUnion And XXXX. Im attaching a copy of XXXX removal of the 30 day later from XX/XX/year> reporting.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights. Specifically, 15 USC 1681b ( a ) ( 2 ) states that a consumer reporting agency can not furnish a consumer report without the consumer 's written instructions. Additionally, under 15 USC 1666b, a creditor must not treat a payment on a credit card account in a manner inconsistent with the terms of the agreement or without proper disclosure.

This dispute concerns a late payment entry reported by XXXX XXXX for XX/XX/year>. The inaccurate reporting of this payment violates my rights under the FCRA.
Consumer complaint received 2024-08-07
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. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

My name is XXXX XXXX and there are multiple different spellings across all XXXX credit bureaus also my address is and has been the same forever however it is not on all XXXX bureaus and multiple unknown addresses appear as well as multiple jobs and phone numbers and that is the only number Ive had as an adult. As well as multiple multiple collections that do not belong to me as listed below : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXi These inaccuracies have cost me a single mother so much hardship in obtaining much needed credit to provide me and my family a place to live and means of transportation amongst other things.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : ( XXXX XXXX XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX Address : ( XXXX XXXX XXXX XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX Complaint Details : I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding the unauthorized handling and reporting of my transaction history on my credit reports. According to the Fair Credit Reporting Act ( FCRA ) and other relevant federal regulations, such reporting is illegal without my explicit consent. 
Supporting References : Right to Privacy and Accuracy : 15 U.S. Code 1681 - Congressional findings and statement of purpose : o ( a ) Accuracy and fairness of credit reporting : Congress emphasizes the need for consumer reporting agencies to handle their responsibilities with fairness, impartiality, and a respect for consumer privacy. 
o ( b ) Reasonable procedures : Consumer reporting agencies must adopt reasonable procedures to ensure the confidentiality, accuracy, relevancy, and proper utilization of consumer information. 
Sharing Information and Consent : 15 U.S. Code 1681b - Permissible purposes of consumer reports : o Consumer reporting agencies may furnish a consumer report only with the written instructions of the consumer to whom it relates. 
o They need my written consent to add anything to my consumer report. Without this authorization, it is a violation of the FCRA.

Obligation to Inform : 15 U.S. Code 6802 ( b ) ( c ) : Financial institutions must inform consumers about their right to opt out of information sharing.

15 U.S. Code 1681c ( a ) ( 5 ) : Consumer reporting agencies can not report negative information that is over seven years old, except for criminal convictions.

Opting Out : 12 CFR 1016.7 : Consumers have the right to opt out of having their information shared at any time.

Accuracy and Procedures : 15 U.S. Code 1681s-2 ( a ) ( 1 ) : No one should report inaccurate information about consumers to credit reporting agencies.

15 U.S. Code 1681e : Credit reporting agencies must maintain procedures to ensure compliance with the law and limit the furnishing of consumer reports to the permissible purposes. 
Given these provisions, XXXX XXXX XXXX XXXX XXXX and the consumer reporting agencies XXXX, Equifax and XXXX do not have my consent to furnish or report any adverse transaction history. Their actions in reporting this information without my permission are against the law.
Consumer complaint received 2023-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello, My name is XXXX XXXX, and I'm writing to request that the following items be removed from my credit report. My current credit report has a list of the items I need to be removed. Ive unfortunately been a victim of identity theft and did not request the described inquiries. To improve my credit report, I request that the items be removed. I have a copy of the Federal Trade Commission 's Identity Theft Affidavit included, as well as my allegation of identity theft to the FTC. Please remove the items as quickly as you can. The unauthorized inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2024-06-10
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX has ignored numerous attempts to file an accurate credit report. Changes were made, but made my credit look worse than what it was changing back-and-forth. Now I recently found that a third-party XXXX had gotten my information from XXXX, which is in a data breach. XXXX had no reason to give my information out to this company. I have already proven and tried numerous times to ask why XXXX XXXX XXXX gave my information to this company. I honestly feel if I would have never attempted to fix this wrong amount incorrect dates through XXXX XXXX. My credit information would not have been breached.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-10
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. (NJ)

I have review a copy of my credit report and i have found fraudulent inquiries and collection on my report. Please remove this fraudulent inquiries from my credit report. They are hurting my ability to obtain credit.
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello and thank you so much for taking the time to help out, I really appreciate it! 

I love that Bank of America overdraft is only {$10.00} so first wanted to give positive feedback on that. 

I did want to please reach out and see if I maybe eligible for a courtesy waiver of a handful of the overdraft charges my account has? 

I understand how overdraft works and dont mind being responsible for some of these however I wanted to please ask as a courtesy to have some of these waived? 

Thank you so much!
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC. (SC)

My SoFi account was restricted after I deposited money from my XXXX checking account, which took five days to be processed. As a XXXX man, I mistakenly reported the transaction as unauthorized to my XXXX  checking account 's customer service when the money was deducted. This led to my SoFi account being restricted. I have since called SoFi and completed the ID verification they requested, but my account remains locked. I urgently need access to pay my bills.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS./ 15 U.S.C 1681 SECTION 602 A. STATES | 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
Consumer complaint received 2024-06-12
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. (NH)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-10
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: EQUIFAX, INC. (PA)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (CA)

I sent an initial complaint dated XXXX with the inaccuracies that are being reported differently across XXXX, XXXX and XXXX. They ( NELNET ) received that letter with certified returned receipt on XXXX. NELNET responded via XXXX with a letter dated XXXX. Their response was a " canned '' response that all is well and they are reporting accurately. A second letter was mailed today ( XXXX ) via XXXX certified signature required with further violations highlighted. I pray they cure the deficiencies by fixing or deleting the inaccurate items as required by law. 

***Attached to this complaint is : Initial statement of inaccuracies dated XX/XX/scrub>XXXX, delivered to NELNET XXXX XXXX NELNET 'S response dated XXXX delivered to consumer ( me ), XXXX  Consumer 's ( my ) XXXX correspondence to NELNET dated XXXX, mailed XXXX certified mail today, XXXXXX/XX/year>
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX, account # XXXX has violated my rights 15 U.S.C 1681 section 602A. 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 : 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 consumer to any consumer reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-06-10
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: EQUIFAX, INC. (TX)

Despite my prior multiple attempts to address this issue, the incorrect opening date remain unresolved. The incorrect opening date listed for my account have caused significant inconvenience and potentially impacted my financial standing. It is imperative that this discrepancy is corrected immediately. To support my claim, I have attached all relevant documentation once again, including proof of the correct opening date and any other supporting materials. Given the seriousness of this matter, I urgently request that your team take the following actions : Immediately correct the opening date on my accounts to reflect the accurate date. Provide a detailed explanation of the steps taken to resolve this issue and prevent similar occurrences in the future. Confirm in writing that the correction have been made to my account. I understand that resolving such matters can be complex, but the prolonged delay in addressing this inaccuracy is unacceptable. Please provide regular update on the progress of this issue until it is fully resolved. With this, I am asking for your assistance to correct the account : XXXX XXXX XXXX Balance Owed : {$3200.00}.
Consumer complaint received 2024-07-26
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: EQUIFAX, INC. (GA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

My XXXX loan account is reporting inaccurate late payments on the account. According to my XXXX, Equifax, and XXXX The student loan company reported a one time 90 past due late payment on XX/XX/year>. How can the payment be 90 past due late on XX/XX/year> but in XXXX, XXXX, XXXX, XXXX, XX/XX/year> the 5 months before the so called late 90 day everything was reported as on time and Current/ terms met. It is not accurate and it should be removed from my credit file.