davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-25
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. (TX)

XXXX reported a 30-day late payment to the credit bureaus on XX/XX/2022 for the month of XX/XX/2022. I filed this complaint because the XXXX payment should Not have been reported late. 

Its been my experience in the past with XXXX and other creditors that if the past due payment is received no later than the following/next month 's due date, the payment is Not reported late. 

I have attached a copy of the transaction history for the last 5 months of XXXX 

You will notice that the XXXX payment was paid on XX/XX/XXXX, and it was not reported late, and therefore, the XXXX payment which was paid on XX/XX/XXXX should not have been reported late either. There are more days between XX/XX/XXXX and XX/XX/XXXX than there are between XX/XX/XXXX and XX/XX/XXXX. So since XXXX was not reported late, XXXX should not have been reported late either. 

I am thankful I was able to pay both XXXX payment and XXXX payment and all fees ( {$2500.00} ) on the XX/XX/XXXX due date, so XXXX should NOT have been reported late. I worked very hard to meet this deadline and accomplish this, and it should not be taken away from me. This is NOT right! I owed additional fees when I paid XXXX on XX/XX/XXXX, and it was not reported late. I was able to pay all fees and bring the account current on XX/XX/XXXX, including XXXX 's payment, so XXXX really should not have been reported late. 

As I said before, this is not just with XXXX. All my other creditors do not report the past-due payment late if it is paid by the next months due date, and no later. XXXX should be no different.
Consumer complaint received 2023-08-25
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 reported a 30-day late payment to the credit bureaus on XX/XX/2022 for the month of XX/XX/2022. I filed this complaint because the XXXX payment should Not have been reported late. 

Its been my experience in the past with XXXX and other creditors that if the past due payment is received no later than the following/next month 's due date, the payment is Not reported late. 

I have attached a copy of the transaction history for the last 5 months of XXXX 

You will notice that the XXXX payment was paid on XX/XX/XXXX, and it was not reported late, and therefore, the XXXX payment which was paid on XX/XX/XXXX should not have been reported late either. There are more days between XX/XX/XXXX and XX/XX/XXXX than there are between XX/XX/XXXX and XX/XX/XXXX. So since XXXX was not reported late, XXXX should not have been reported late either. 

I am thankful I was able to pay both XXXX payment and XXXX payment and all fees ( {$2500.00} ) on the XX/XX/XXXX due date, so XXXX should NOT have been reported late. I worked very hard to meet this deadline and accomplish this, and it should not be taken away from me. This is NOT right! I owed additional fees when I paid XXXX on XX/XX/XXXX, and it was not reported late. I was able to pay all fees and bring the account current on XX/XX/XXXX, including XXXX 's payment, so XXXX really should not have been reported late. 

As I said before, this is not just with XXXX. All my other creditors do not report the past-due payment late if it is paid by the next months due date, and no later. XXXX should be no different.
Consumer complaint received 2023-09-15
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. (IL)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-15
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: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-19
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)

XXXXDEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Violated the PRIVACY ACT OF 1974 AND THE FAMILY EDUCATION PROTECTION ACT by providing my non public personal information to EXPERIAN XXXX AND XXXX and I'm sure multiple others that I have not tracked down yet. They stated that they would not provide any of my personal transaction history with any non affiliates or third-party companies. All of the credit agencies are non affiliates of XXXX/Dept of education.
Consumer complaint received 2023-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Neon Newco Corporation (CA)

On XX/XX/XXXX the last thing i used my debit card for was to order XXXX XXXX for my XXXXXXXX XXXX wife so she can have her pomegranate. About a little later i wanted to check my bank account to see how much i have left but for some reason my facial recognition on my app wasnt working and was asking for my password which i found weird in the first place. I try to type my info in at around XXXX and it wasnt working. Then i tried to change my password and my email wasnt even matching the files on their app. So i just hoped it was a maintenance think because Ace XXXX Flare is the card/bank i have and they dont have a 24/7 help system nor a 2 step verification. On XX/XX/XXXX i battle with my banks verification process because i didnt know that the person that stole my money changed my info on my file so on the XXXX try of calling and plugging in info i finally was able to answer to security questions that didnt have to do with the last transaction and the pin number. When i logged on i saw that the hacker transferred all XXXX dollars from my saving to checking and spent XXXX dollars at a texas XXXX XXXX. This hacker created a virtual card in my bank account to purchase and changed my info on my profile to something in texas which i have a screenshot of what he changed it to. Im negative XXXX dollars and i have no money for XXXX and no money for when my child XXXX XXXX. i reported that fraud n and made a dispute with my company but It says the next update is on XX/XX/XXXX but i cant wait that long and i have no help please if you can help me asap
Consumer complaint received 2023-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (TX)

I deposited a check from the U.S. Treasury into my checking account with Ally Bank, as a result, they froze my accounts, denying me access to funds and paychecks that were already in the account and will not release the account or give me access to my account for XXXX weeks ( 10 business days ). I understand by law, any deposits XXXX and over must be investigated, but this is something else. I called and was transferred to their fraud department, and was told by their staff that they needed to call and verify the check before it could be released. I told them that I understand holding the check until it was verified, but that I needed access to my checking account as it also has my paycheck and other funds that I need in order to pay bills, buy food, gas, etc... basically money to live on. I was told that it was their policy to freeze the entire account and could not just put a hold on the check and give me access to my account, as there is no way to separate the two, which of course makes no sense as other banks are able to do so. It also makes no sense that it takes them 2 weeks ( 10 business days ) to verify a check. I have called back several times to get a status update, the Ally employees responses are vague, rude and not helpful. I even asked if they would email me or call me once the funds and my checking account are released, both times I was told no, that I would have to call back. So here I am, the check I deposited and my bank accounts are frozen for 2 weeks ( 10 business days ), I can not access any of my money to pay bills, and good customer service, a simple courtesy call is being denied to me, all because I deposited a larger than usual check. Typically, most banks will release a small portion of the deposit until the check is verified, which normally only takes a few days. Why and how is it legal for Ally to completely freeze entire bank accounts and funds not related to the deposit, as well as the deposited check in question, for 2 weeks ( 10 days )? No concern or care is given by Ally to the fact that any customer who makes such a deposit will not be able to pay bills and access un-related funds necessary to live.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-06-06
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. (PA)

This account was charged off on the following date ( XXXX, 2023 ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion immediately of the following account : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-05
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)

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. 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 on my account to be removed. 

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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

Funds received into bank of america XXXX XXXX  I was ask to pay transfer fees I did so the ceo of bank of america is still holding my funds I have paid all fees for transfer also for XXXX XXXX  for the funds they refuse to pay me I have statment of account and proof of funds tell them pay me all fees for transfer have been paid
Consumer complaint received 2024-06-06
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. (CA)

XXXX XXXXXXXX XXXX XXXX Account Number - XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law.
Consumer complaint received 2024-06-06
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. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Ive contacted the credit agencies in hopes that you would assist me in the verification of items shown on my credit report. I also have reached out to each collection agency that currently services my accounts on the report. Ive repeated requested documents i.e. original contracts and agreements with my signature to ensure information is correct and not fraudulent. Its been several months and Ive not gotten a response.
Consumer complaint received 2023-08-25
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'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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (FL)

I am writing to file a formal dispute regarding inaccurate and incomplete information provided by Lexis Nexis to XXXX and XXXX concerning a bankruptcy case with reference number # XXXX. The inaccuracies in my credit file are not only affecting my financial standing but are also in violation of the Fair Credit Reporting Act ( FCRA ) and other relevant statutes. 

I have previously initiated disputes directly with XXXX ( reporting from the US Bankruptcy Court ) and XXXX ( reporting from XXXX XXXX XXXX ) regarding the information in question. Unfortunately, despite my efforts, the investigation/reinvestigation has returned with Lexis Nexis confirming the accuracy of the reported information. 

Key points of my dispute are as follows : Inaccuracy of Information : The information provided by Lexis Nexis is inaccurate and incomplete, specifically concerning the bankruptcy case # XXXX. As per the FCRA, information that is not reported with 100 % accuracy must be deleted. 

Unauthorized Information Sharing : Despite my request to freeze my file with Lexis Nexis due to previous fraud issues, they continue to share information without my explicit permission. This is a clear violation of my right to privacy. 

Non-Reporting to XXXX : Notably, the disputed information is not reflected on XXXX, raising concerns about the consistency and accuracy of the information provided by Lexis Nexis. 

Lack of Legal Basis for Information : According to 15 USC 1681a ( 4 ) and 15 USC 1681i ( 7 ), the bankruptcy court does not provide information to Lexis Nexis. Therefore, there is a lack of legal basis for the information they are reporting.

Violations of Statutes : I believe Lexis Nexis may be in violation of 15 USC 1681 e ( B ), 15 USC 1681n, and 18 USC 242 due to willful noncompliance and conspiring to provide inaccurate information. 

I am seeking a thorough investigation into this matter by the Consumer Financial Protection Bureau, requesting the removal of the inaccurate information reported by Lexis Nexis to XXXX and XXXX. Additionally, any associated damages caused by their non-compliance with the FCRA should be addressed. 

Enclosed with this letter, you will find supporting documentation, including copies of my previous disputes with XXXX and XXXX, as well as correspondence related to my freeze request with Lexis Nexis. 

Thank you for your attention to this matter, and I appreciate your prompt assistance in resolving this dispute.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.