davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-20
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. (FL)

I have contacted Equifax numerous times. Recently, on XXXX, XXXX, XXXX and today ; XXXX. Each time I have spoken with a supervisor to explain my challenge with the Date of First Delinquency being reported for two accounts ( both charged off ). One account is with XXXX XXXX and the other is XXXX XXXX. This is the challenge : 1. Equifax is reporting the DOFD for XXXX XXXX ( Balance {$10000.00} ) as XXXX, and I have a document created from Equifax 's website ( XXXX ) showing the DOFD as XXXX. 
2. Equifax is reporting the DOFD for XXXX XXXX  ( Balance XXXX ) as XXXX, and I have a document created from Equifax 's website ( XXXX ) showing the DOFD as XXXX. 

XXXX, I called and received the confirmation number # XXXX for both accounts. I will add this Supervisor was very professional and understood my challenge. 
XXXX, I spoke with XXXX who was extremely professional and promised to investigate my challenges and call me back. Although she said it would take time and promised to personally call me back ; I have yet to hear from her. 
XXXX, Today, I called only with the hope of gathering information/status via notes from XXXX and spoke with XXXX ( Supervisor ). The conversation was less than desirable, e.g., no empathy and lackadaisical effort to assist. She only suggested sending in the documents, which I tried to do on the XXXX, but had confidence the previous Supervisors would be successful, because of their eagerness to help. 

Special Note : I shared as a point of reference, and to validate my concern to each Supervisor to please take a peek at another account - XXXX XXXX, which is a collection agency, and connected with XXXX XXXX  ( I am not disputing the DOFD with XXXX  - this is only a point of reference ). XXXX XXXX  sent the account mentioned above to XXXX  - they would notice upon review that XXXX  is reporting the correct DOFD, which is the date for the account to be removed from my report as XXXX ( Reported by XXXX XXXX  ), not XXXX. XXXX ( Supervisor ) completed agreed and understood. XXXX ( Supervisor ) simply said, send in the documents. If I continue to dispute, based upon experience, the accounts will only update, and my scores will drop from the updated information - not the correct DOFD. 

I am asking for your assistance as a tribunal, and as a advocate for customer service to assist in having Equifax to correct the DOFD for both XXXX XXXX XXXX XXXX. It would be a blessing to also mention the learning opportunity should they decide to listen to recording, which will aid towards a meaningful culture. 

Please see the attached report from Equifax - XXXX. I also have more credit reports from Equifax saved since XXXX, which is when I started monitoring my credit from my previous mishaps.
Consumer complaint received 2022-10-20
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

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 XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2020 Balance : {$5400.00}
Consumer complaint received 2023-06-20
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. (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. 

I told the Transunion, XXXX and XXXX to reinvestigate these accounts : XXXX XXXX XXXX account # XXXX  XXXX XXXX XXXX account # XXXX  XXXX XXXX XXXX XXXX account # XXXX  XXXX XXXX XXXX XXXX, XXXX acccount # XXXX  XXXX XXXX bank account # XXXX  XXXX XXXXXXXX XXXX account # XXXX  XXXX XXXX XXXX account # XXXX  XXXXXXXX XXXX XXXX XXXX account # XXXX  XXXX XXXX  account # XXXX  XXXX XXXXXXXX XXXX accout # XXXX  XXXX XXXX  XXXX XXXX account # XXXX  XXXX XXXXXXXX XXXX XXXX account # XXXX  XXXX XXXXXXXX XXXX XXXX account # XXXX  XXXX XXXX XXXXXXXX XXXX account # XXXX  XXXX XXXX XXXXXXXX XXXX account # XXXX  XXXX however they stated everything was complete and accurate. But how is that possible if the open date, date of last activities, the addresses on files and much more is incorrect. 
according to 15 USC 1681i ( 5 ) they are supposed to modify accounts that is not reported correctly or delete them. 

15 USC 1681 SECTION 602 A. states i have the right to privacy. 

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 the records of convictions of crimes which antedates the report by more than seven years. 

15 USC 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 2018-12-07
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GreenSky, LLC (WA)

XXXX XXXX knowingly short-sold it's XXXX XXXX purchasing period. 

Fact # 1 : The glossy advertising and literature boldly and prominently states ( first page, first bullet point ) : " 6 MONTHS TO PURCHASE everything for your project** and in fine print " ** Period begins at approval. '' Fact # 1a : This point was also emphasized by the saleswoman. 

Fact # 2 : XXXX XXXX  XXXX XXXX ( and associated in-store credit card ) was applied for XX/XX/2018. 

Fact # 3 : My XXXX XXXX  XXXX XXXX XXXX clearly states " VALID THRU XX/XX/18. '' Fact # 4 : My monthly statements clearly state in large, bold, highlighted font, " On your Promotion Expiration Date,  XX/XX/2018, a new monthly payment will be calculated for the remaining 84 months of your loan. '' Fact # 5 : My purchasing window was closed by XXXX XXXX without notice on XX/XX/2018.
Consumer complaint received 2023-11-11
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. (HI)

I have not Supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I recently looked up my credit report on XX/XX/year> and sent letters to experian. my tracking numbers are XXXX, XXXX, XXXX. They said the letter did not appear to be sent directly by me, however in the letters it states " I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. '' It is clear they did not read or attempt to process these disputes. They sent an automated letter to stall. I have attached the highest identification documents possible. This has been extremely damaging to me as it has been over XXXX days. these inaccurate items has caused me to be denied credit. I have done everything in my power to try to fix the situation with nothing being done. This is my last effort before seeking litigation.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (HI)

I have not Supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2023-07-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2022-10-20
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I received your response Last XX/XX/XXXX that you Close MY COMPLAINT # XXXX that I sent on XX/XX/XXXX to Investigate the Erroneous Account : XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} that is UNKNOWN to me. 
We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy...
Consumer complaint received 2023-06-03
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: EQUIFAX, INC. (FL)

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 XXXX XXXX XXXX : # XXXX, DEPT OF ED/XXXX : # XXXX, DEPT OF ED/XXXX : # XXXX, DEPT OF ED/XXXX  : # XXXX, DEPT OF ED/XXXX : # XXXX, DEPT OF ED/XXXX  : # XXXX, DEPT OF ED/XXXX XXXX XXXX XXXXXXXXXXXX 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 2022-10-20
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. (NY)

I received your response Last XX/XX/XXXX that you Close MY COMPLAINT # XXXX that I sent on XX/XX/XXXX to Investigate the Erroneous Account : XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} that is UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days and yet the problem is still reporting in my credit file and you closed my complaint to protect my privacy. I am submitting this complaint myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

Sending several times of multiple letters, unverified inquiries, and inaccurate personal information listed below are still reported on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions or responses yet. As I reviewed my updated credit report these inquiries and inaccurate personal information remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the inquiries and inaccurate personal information which are still showing on my report. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NJ XXXX Date Updated : XX/XX/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
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Sending several times of multiple letters, unverified inquiries, and inaccurate personal information listed below are still reported on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions or responses yet. As I reviewed my updated credit report these inquiries and inaccurate personal information remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the inquiries and inaccurate personal information which are still showing on my reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-20
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. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I have not Supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2023-07-20
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: Experian Information Solutions Inc. (OH)

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 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

incorrect accounts showing as delinquent. Disputed debts but account keep reappearing and is impacting my ability to get credit cards and approval for rental homes and cars.
Consumer complaint received 2018-12-07
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

CapitalOne Bank is refusing to honor the terms and conditions as set forth in their advertisement for a {$500.00} account opening bonus. Here are the offer terms, as obtained from CapitalOne 's website : Open a XXXX XXXX XXXX and you could earn a {$500.00} bonus. 

Open your account and deposit at least {$50000.00} by XX/XX/XXXX, using promo code XXXX to earn an exclusive {$500.00} bonus. Plus, you'll earn 2.00 % Annual Percentage XXXX ( XXXX ) on balances of {$10000.00} or more. See details below. 

Heres the full scoop on how to earn your {$500.00} bonus : Open a XXXX XXXX XXXX account and deposit at least {$50000.00} between XXXX XXXX ET on XX/XX/XXXX, and XXXX XXXX   ET on XX/XX/XXXX. When you open your account, enter your promotional XXXX. ( Please do not share this code with others. ) Deposits must be from another bank ( transfers between Capital One accounts will not qualify ). If you have or had an open savings product with Capital One after XX/XX/XXXX, you're ineligible for the bonus. This offer can not be combined with any other Capital One Bank or Capital One 360 new account opening offer. Bonus is only valid for one account. 

When will I actually get my bonus? Capital One will deposit the {$500.00} bonus money into your account within 60 days after completing the above conditions. If your account is in default, closed, or suspended, or otherwise not in good standing, you will not receive the bonus. 

The relevant portion of the timeline is detailed below :XX/XX/XXXX : New account opened with XXXX coupon code attached XX/XX/XXXX : Balance reaches $ XXXX through deposits. Note that this is before the XX/XX/XXXX deadline to deposit $ XXXX XX/XX/XXXX : Withdraw $ XXXX from account XX/XX/XXXX : This is 60 days from when the balance has hit $ XXXX, bonus is due XX/XX/XXXX : Called bank customer service line. Representatives confirm that the offer code is attached to the account. Representatives say that there are additional terms and conditions that now suddenly apply that were not on the advertisement and refused to honor original terms of the offer. Different representatives add different terms that don't match the new terms from the other representative. Namely, representative 1 claims that a $ XXXX balance needs to be held for full 60 days. Representative 2 claims that $ XXXX must be deposited within 10 calendar days of opening the account. These two representatives do not even provide the same reason, and more importantly, neither terms are in the original offer text. Of note is that there is no text in the offer that states that the $ XXXX balance must be held for any amount of time.
Consumer complaint received 2018-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (LA)

After going paperless I did not get a statement letting me know that a payment was due and 5 days after the due date I got a reminder that a payment was late and was charge twice a late fee XXXX each time this is a was for then to XXXX us.
Consumer complaint received 2024-01-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IN)

I filed for an adjustment for my student loan one month before repayment. I turned in all the forms and filled out the necessary information with the customer service agent. I was told I qualified for a XXXX dollar a month payment and the first bill came out stating that I owed over XXXX.