davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-14
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. (DC)

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 account below : XXXX XXXX XXXX  XXXX Balance : {$17000.00}, XXXX  XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$230.00}, XXXX XXXX Balance : {$570.00}, XXXX  XXXX XXXX Balance : {$210.00}, XXXX  XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HW Holding, Inc (CA)

This letter is a response to your correspondent dated XX/XX/2023. You stated, " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) '' As stated in my first letter 15 US Code 1692 ( G ) ( Validation of debt ) and as amended by adding Title 8 USC 802 et seq. All of which work in conjunction with each other. My rights are still being violated. It has not been thirty days from my first disputed letter I sent certified mail on XX/XX/2023. ( Copy of receipt attached with documents ) According to 15 USC 1681 ( A ) ( E ) " Investigative consumer report '' You have not meet the requirements of the Fair Credit Reporting Act. You haven't sent me any evidence to backup your claim. 

15 US Code 1681 ( I ) - " Procedure in case of disputed accuracy '' 15 US Code 1681 ( I ) ( 1 ) ( A ) " In General '' 15 Us Code 1681 ( I ) ( 5 ) ( A ) " Treatment of inaccurate or unverifiable information '' 15 US Code 1692 ( I ) - " Legal actions by debt collectors '' 15 US Code 1681 ( N ) " Civil liability for willful noncompliance '' 15 US Code 1681 ( N ) ( 1 ) ( A ) " Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; '' I've been denied credit cards because of this inaccuracy. Such number of punitive damages. My credit report has to be 100 % accurate and 100 % complete in accordance with FCRA! ( " 15 US Code 1681 '' ).
Consumer complaint received 2024-01-18
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (FL)

In XXXX XXXX I received an offer in the mail from Chase for a Chase Slate credit card with a 0 % balance transfer interest rate for 21 months. I have 2 other Chase cards and had financed and paid off a vehicle through Chase with no issues. I was approved for the Slate card. 

When the documentation arrived in the mail, I saw the interest rate was 29.24 %, not the 0 % offered. I called customer service on XX/XX/2023. The call was recorded and I had a witness listening. I was told the account was updating and the interest would be 0 %. After one month of 0 % in XXXX XXXX, I went ahead and transferred a balance. After XXXX the interest went to 29.24 % and was not noticed by me until XXXX XXXX 

I immediately called, spoke to a representative, then her supervisor, to no avail. I asked that the complaint be escalated and a report was filed with XXXX XXXX. XXXX. I have attached their response. It does not appear as if they bothered to listen to the audio call from XX/XX/2023 when their representative told me the interest was updating and would be 0 %. 

I would NEVER have accepted a card with that rate. I would have canceled it on the XX/XX/2023 call to them if I had been informed that the rate was 29.24 %. I kept the card after that phone call based on their representation that the interest was 0 %, as I had applied for. 

This is extremely deceptive advertising and practice. I am seeking my interest reimbursed and will be transferring to another card.
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (MA)

Discover SSN Inquiry & New Account Alert : Your SSN/New Account/Inquiry alerts will soon come from a new number XXXX. There are no additional changes to your SSN/New Account/Inquiry alert messages you enjoy today, and no action needed from you. More details discover.com/text-migration I am not associated with number XXXX and believe this is fraud. I did not make any new credit inquiries.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2023-01-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paramount GR Holdings, LLC (NC)

In XXXX XXXX I entered a loan agreement from what was at the time called LoanPal ( now called Good Leap ) for solar panels from XXXX XXXX XXXX. Basically, the two and half years that we have had these solar panels, they have not worked properly for more than ta total of three weeks. We had an extremely difficult time with the Solar Company in attempting to get the problem resolved. Last year in XXXX and XXXX, we were finally put in touch with someone from the solar company who helped us reach a resolution. The company fixed our solar system and reimbursed us for the payments we had made during the time the system was not working. We thought this was the end of our problems. However, less than a month later, the solar system stopped working and our control panel kept displaying an error code. When we contacted XXXX XXXX XXXX, they directed us to XXXX because they stated that the problem was with the XXXX XXXX. We have not been able to get anyone with XXXX to help us. Since that time XXXX XXXX XXXX has closed down and filed for bankruptcy. There is also a class action lawsuit against XXXX. We do not feel we should have to pay our payments on a faulty system that does not work. We have contact the loan company, Goad Leap, who refuses to hear our concerns or address them. We have tried to stop making payments but they have threatened to report us to a credit agency. I have made a claim with our state Attorney General who has given us information to fill a claim with the bankruptcy case of XXXX XXXX XXXX. Basically, I feel this loan agency should assist us in finding someone to help fix this solar system or relieve us of the payments since this solar company obviously made fictitious claims and sold faulty systems that do not work. Also, there are thousands of other customers who are in the same position as my family with these faulty solar systems and loan agencies refusing to offer any solutions or relief. I am in a XXXX group dedicated to victims of XXXX XXXX XXXX, so I know there are many victims of this fraudulent company. Also, many victims of this state that Good Leap is refusing to send them their loan documents.
Consumer complaint received 2023-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (NJ)

I am in the process of applying for a mortgage and I paid my account in full. I need this account to report a XXXX balance to the credit bureaus ASAP so that my credit score goes up in time to get approved.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a XXXX ( Cancelation of date ) from the following charge off accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the XXXX form.
Consumer complaint received 2024-04-10
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. (NY)

I reviewed my credit reports and it shows unverified and fraudulent items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2024-05-08
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: DISCOVER BANK (AZ)

At the beginning of May I filed a dispute for XXXX XXXX with XXXX  due to inaccurate and unfair deceptive card practices. UNDER TILA THE CREDITORS INTENT IS NOT RELEVANT and must be deleted In 30 days also crediter did not provide Truth in lending disclosure statement or disclose the consumer contract related to the account for accuracy
Consumer complaint received 2024-04-10
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. (AL)

CREDIT REPORTING AGRENCY DOES NOT HAVE THE RIGHT TO REPORT MY CREDIT WITHOUT MY AUTHORIZATION. WHO GAVE THESE CREDIT REPORTING AGENCY CONSENT. UNDER THE FAIR DEBT COLLECTING ACT THESE ARE THE VIOLATIONS.

THESE CREDIT REPORTS HAVE FALSE INFORMATION THAT I ASK TO BE REMOVE. 


15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and active duty alerts 15 U.S. Code 1681d - Disclosure of investigative consumer reports 15 USC. 1611 - CRIMINAL LIABILITY FOR WILLFUL AND KNOWING VIOLATION 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 1681g - Disclosures to consumers 15 U.S. Code 1681h - Conditions and form of disclosure to consumers 15 U.S. Code 1681j - Charges for certain disclosures 15 U.S. Code 1692k - Civil liability 15 USC 1692e - FALSE OR MISLEADING REPRESENTATIONS
Consumer complaint received 2024-04-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-01-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB (MD)

I am writing to address a matter of great concern regarding my recent experiences with Klarna 's services on XX/XX/ particularly in relation to order # XXXX amount {$530.00} and order XXXX amount {$570.00} It has come to my attention that Klarna, despite advertising as " no credit history required, '' has been conducting soft background checks on customers without their knowledge, potentially violating 15 USC 1692j by furnishing certain deceptive forms. Furthermore, I have provided evidence to Klarna indicating that the signature on the order was fraudulent and not mine. 

Despite presenting this evidence and disputing the charges for an undelivered order, I received an email from XXXX, a Customer Service Representative in Klarna 's Dispute Resolutions department. The email stated that the decision in my dispute is final, and the statement for payment has been reactivated. This action, along with the language used, seems to violate 15 USC 1692b ( stating I owe them money ) and 15 USC 1692d ( harassment or abuse ). 

I am troubled by the insistence on payment for an order I did not receive, especially after providing evidence of fraud. I request that Klarna thoroughly investigate this matter, refund me for the charges related to order # XXXX and XXXX, and promptly remove any fraudulent charges. 

I appreciate your immediate attention to this issue and look forward to a swift resolution.
Consumer complaint received 2024-04-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  XXXX This collection company has no contractual agreement in place with me nor any type of permission to communicate with me yet they are reporting on my consumer report. I've sent a debt validation letter over 30 days ago and they have yet to respond, which is a a violation of my consumer rights. This needs to be removed immediately The company XXXX has not provided the authorized agreement creating the debt which is required to collect on a debt 15usc 1692f. Therefore if there was no agreement in place between myself and XXXX. That means I have no contractual agreement to pay them an alleged debt
Consumer complaint received 2018-12-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (NV)

BMO Harris has unnecessary borrower authorization practices. The company mandates borrowers to utilize a personal pin in order to speak to their customer service agents. This is the only creditor I have that requires this. If I forget the pin, BMO Harris subsequently requires me to submit a written letter that must be signed and notarized. This results in me spending money for a notary fee and waiting several days for BMO Harris to process my notarized letter. I am on XXXX  and it can be difficult for me at times to travel to find a notary. The reason for my call was only to confirm if BMO Harris was in receipt of payoff proceeds from the sale of my house and to ensure they have my correct mailing address.

Additionally, I have yet to receive any periodic statement during the time BMO Harris serviced my loan.
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I've had trouble with a payment from back in XXXX of XXXX not posting to my Capital One account ending in XXXX ( even though the check cleared the bank ). I logged in on XX/XX/XXXX and saw that it looked like it finally posted. Then on XX/XX/XXXX I logged in to check to make sure the payment wasn't reversed off again, and suddenly this account no longer shows up on my online access. I called into Capital One on XXXX and after being bounced around the person in the digital department told me they didn't know why I couldn't see that account any longer. I was told by them that they would escalate the problem and I would receive a call back. On XX/XX/XXXX I received a call from a " supervisor '' in the digital team that told me that account is no longer eligible for online access. I asked why and the supervisor told me I have no more information I can give. I asked who can and he literally said " no one. '' I have a payment that has posted and been reversed off since XXXX of XXXX and suddenly I no longer have access to that account online, and can not be told why. I was on the phone for over an hour with the majority of the time " on-hold. '' I want to be able to have online access to this account or at the very least be given an explanation as to why I can't. And if there is a legitimate reason, then how can I keep an eye on this account because clearly I've needed to for the last 8 months.
Consumer complaint received 2023-09-14
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. (CA)

My credit report is still showing late payments on XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX & XXXX - XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
Consumer complaint received 2023-10-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On Thursday, XX/XX/ at about XXXX PST I tried to purchase concert tickets and my debit card was declined. I checked my checking and savings account and noticed there was a balance of {$6100.00} in savings and $ XXXX in checking, but the available balance in both was {$0.00}. I immediately called capital one customer service and was informed there was a legal hold put on my account, and given contact information for the agency that had placed the hold. My notes from this initial interactions follow : ssuing West Virginia state tax department compliance division Legal case # XXXX XXXX # XXXX Placed account balance hold of {$500.00} on account XXXX {$6100.00} on XXXX Total {$13000.00} XXXX Legal hold? 
Need to call them! 

On Thursday, XX/XX/2023, at XXXX PST I contacted a XXXX XXXX XXXX at the number listed, and after running my social security number realized that I was not even in the West Virginia taxpayer system, therefore the levy was not intended for me. I called to capital one and escalated to manager XXXX the updates, and she said she would look into it. At this time XXXX XXXX in West Virginia had contacted capital one and sent verification of the levy and the innacuracy of the hood on MY account to the levy and garnishments division at the fax number listed below, at XXXX EST ( XXXX PST ). I spoke with capital one again, again escalating to a manager that stated they are not allowed to give out direct numbers or last names. Notes on that interaction are as follows : Spoke with XXXX, manager ( notes on account ) Levy team fax number XXXX XXXX XXXX Attn : levys and garnishments Physical address ATTN : levys and garnishments XXXX XXXX XXXX XXXX, VA XXXX shortly after this, the status of the funds had gone from {$0.00} available to {$0.00} and a transfer from the amount in checking ( {$480.00} ) to savings, with the sum ( {$6600.00} ) being withdrawn as the line item issue levy check. 

Today, Sunday XX/XX/ I called capital one again to ask for a provisional credit to my account since, through no fault of my own and actually owing no tax debt, I am left literally penniless. This request was refused by manager XXXX, and he explained that since the check had already been issued it would have to be sent to the requesting party, then returned for adjustment. 

When I asked for escalation to his manager, he refused and said that there is no one available by phone above him. I asked for email contact but it was not given. 

At this point I am beyond frustrated and am about to have NSF fees piling up as well as jeopardizing my good standing with my brokerage firm to which I have pending transfers. Please help or advise how to get this issue corrected and resolved as Ive tried everything in my power, and it appears that capital one wont even extend an offer of an olive branch of provisional credit.
Consumer complaint received 2018-12-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (WA)

I applied for an income based repayment plan. I received an email which i have attached stating that my new payment is XXXX. However they keep showing payment due of XXXX. I have attempted on the phone and email to explain this but i either get transferred from department to department where i was disconnected 4 times or i get no response to emails.
Consumer complaint received 2024-04-10
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. (GA)

According to 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. 

XXXX XXXX has reported late payments and has not mailed or delivered a periodic statements to me 21 days before the due date. They have failed to send the proof for which I have asked. XXXX, XXXX, and Transunion have reported these late payments without verification and without my consent.