davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-14
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. (MI)

I have a loan with XXXX XXXX. The current status should not be showing late because I paid it on time. TransUnion Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. 

XXXX XXXX XXXX : {$1600.00}
Consumer complaint received 2022-02-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OLIPHANT FINANCIAL, LLC (IN)

Oliphant Financial , LLC. is trying to collect a debt from me that is not mine. I have been a victim of identity theft. The original account held with XXXX XXXX XXXX XXXX opened in my name using my information for a LOC for {$14000.00} on XX/XX/XXXX. The account was then charged off with a total amount of $ XXXX I found out about the issue on my credit report, I filed a police report on XX/XX/XXXX and the account was removed from the credit reporting agencies shortly after. I was then sued for the debt and have not been able to explain to the court that I was a victim of identity theft. 

I already have a default judgment put in against me because I thought I was going to be given a court date to present my case in front of a judge which did not happen. I submitted a small claims case against Oliphant Financial on XX/XX/XXXX after I was served by their attorney on XX/XX/XXXX. During the hearing of my small claims case ( XXXX ) on XX/XX/XXXX against the debt collector, I was told I could not file a claim against a case that had already been decided in another court. However, when I submitted the small claims case on XX/XX/XXXX, the case had not been decided yet. The default judgment was filed on XX/XX/XXXX and entered/issued on XX/XX/XXXX. I had no opportunity to defend myself as a victim of fraud and identify theft. I want Oliphant to show evidence of their ability to collect on this debt from me, i.e. a signature, proof of using the funds, etc. By request, I have submitted my police report, FTC report, and FTC affidavit to Oliphant in hopes they would resolve this but it doesn't seem like that is the case.
Consumer complaint received 2022-07-11
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. (GA)

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-07-11
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. (GA)

In accordance with the Fair Credit Reporting act, XXXX XXXX  Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-07-11
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. (OH)

In accordance with the Fair Credit Reporting act ; XXXX XXXX Account # 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.
Consumer complaint received 2022-04-25
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. (FL)

In accordance with the Fair credit report act US SM BUS ADMIN ODA has violated my rights regarding a hard credit inquiry posted on my Credit Report XXXX XXXX  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.
Consumer complaint received 2022-07-11
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. (VA)

XXXX ; XXXX ; TRANSUNION ; did not remove accounts that are 7 years and older ; give me back points I lost as a result of the derogatory information being reported on my credit reports ; changing the dates to ensure the items last longer than what is required by law on my credit reports. Missing payment history not reflecting and showing anything at all regarding on-time payments, etc is very shady and sketchy. No current information reflecting and showing at all.
Consumer complaint received 2022-10-16
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. (NC)

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. 

XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-12
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (DE)

I don't understand why my loan amount was {$1800.00} and I pay every month but my balance doens't go down and my payment keeps going up. I have paid over {$8000.00} in 1 year.
Consumer complaint received 2022-02-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX my wallet was stolen from a local XXXX grocery store on XXXX XXXX XXXX around XXXX. There were multiple locations my debit card was used. 
Transaction # 1 : XXXX XXXX amount {$16.00} Transaction # 2 : XXXX XXXX amount {$150.00} Transaction # 3 : XXXX amount {$92.00} Transaction # 4 : XXXX amount {$56.00} Chase Bank called my personal cell phone and contacted me by email during Transaction # 5 at XXXX XXXX XXXX XXXX amount {$55.00} asking if this charge was valid. 

I immediately said no, check my purse for my wallet and realized it was missing. Called Chase customer service that night around XXXX to report my card lost/stolen have it closed and dispute the charges. 

Chase initiated claim # XXXX with all 4 charges attached to the claim. 
They refunded the 4 charges on XX/XX/XXXX during the investigation. 

On XX/XX/XXXX Chase sent a letter saying that the charges were again being reversed because they were authorized. 

I received a notice on XX/XX/XXXX that my personal account was overdrawn because Chase decided to take the money back even though they are the ones who suspected fradulent charges in the first place. I called Chase and they are now asking that I submit work timesheets and pictures of security footage from my home proving that I was at home at the time of the purchases. The representative I spoke to gave me fax # XXXX to submit these documents but said even though I went out of my way to try and prove it wasn't me, I would probably not get my money back and it would be very unlikely that it would be taken care of.
Consumer complaint received 2022-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (IN)

On XX/XX/XXXX, I processed an ATM transaction at XXXX XXXX XXXX in XXXX, In using an XXXX stand alone ( not named by the casino ) ATM. The ATM maintained and I did not receive my money. The cash XXXX at the XXXX called XXXX and verified the ATM was not communicating and they took it out of service. I immediately called the number on my Netspend card and reported the issue and filed a dispute of which I got an email confirmation of. I heard nothing for the next 8 days until I called NetSpend to find out I needed to ask for a provisional credit in writing, which I did on XX/XX/XXXX and recurved a confirmation they got the request. Immediately following that I contacted XXXX to see if there was anything they could do and they advised they had not gotten a request for charge back on the transaction from my debit card. I then called NetSpend back and I was then told they had until XX/XX/XXXX to respond. On XX/XX/XXXX I responded to a survey from the casino in which I explained the situation and explained I was frustrated but the assistance I had gotten from the casino. The Director of cash for the casino promptly contacted me and asked me to give her the details so she could see what she could do. She contacted XXXX and they found the transaction and confirmed I did not get my cashed and processed a charge back to my account for {$200.00} ( XXXX + XXXX ATM fee ). On XX/XX/XXXX I sent an email using my secure inbox for my account stating the above and asked when I was going to get either the provisional credit or my money credited back to my account. My understanding from the casino and XXXX was that this transaction falls under Reg E compliance. I received a letter on XX/XX/XXXX starting they did not issue a provisional credit because I don't request it. I once again emailed them using my secure inbox in my account and advised I not only requested it but also got a confirmation from them that they got it. I got a response back today starting that my transaction doesn't qualify for a provisional credit since it, according to NetSpend, doesn't fall under Reg E. They received the charge back on XX/XX/XXXX and I just recurved an email stating that the next update on my dispute will be XX/XX/XXXX!
Consumer complaint received 2022-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GOLDMAN SACHS BANK USA (SC)

I have been the holder of a Golman Sachs saving account for the past 4 years, with two certificate of deposits credited to the account.

Last month I was notified by Gollman Sachs that a XXXX credit card issued in my name, a card that I never requested nor possessed was transferred to XXXX Goldman Sachs, and a statement with a pending balance was sent to my address at XXXX XXXX XXXX. In XXXX South Carolina. 

I immediately contacted GS customer services to notify the occurrence, and was assured that a mistake in the identity of the real owner of the card had occurred, and that is was been taken care of. 

Last week I received another statement, for the same balance plus interest and fees, and I again spent two +hours with GS customer service trying to figure out how to resolve the issue.

It seems that GS customer services is not very effective at handling these issues, and they kept transferring my call numerous times, putting me on hold and repeatedly asking for the same information. 

Again I was assured that the issue was resolved. 

At the end of the call I went to my online account with GS, to discover that the credit card is now included in my savings account with XXXX GS, and that the balance and the related interest rates are being deducted from the balance of my certificates of deposit. 

In addition, the 4 digits of the credit card linked to my account are XXXX, while the 4 digits of the card those statements I am receiving in the mail are XXXX. It appears the balance is the same on both cards. 

I have no idea how Gollman Sachs could have included the ownership of a credit card I never ordered or possessed into my account. It seems their systems have been hacked, and their security ( and mine ) have been compromised. In addition, I have submitted an inquiry to their XXXX email address but I have not received any acknowledgment. 

Given the seriousness of this situation, and the implication to GS reputation and my credit rating, I hope you would investigate it promptly and inform me of the status of your inquiry, since Goldman Sachs has not been able to take action or offer an explanation.
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TN)

Unauthorized and Fraudently inquires In accordance with the Fair Credit Reporting Act. The List account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15USC 1681 Section 602 A States I have the Right to privacy.

15 USC 1681 Section 604 A Section 2. It also states consumer reporting agency can not furnish a account with my written instructions.

15 USC 1681 ( a ) ( 5 ) Sections States : no consumer reporting may make any consumer report contains any of the following items of information any other adverse of information, other than records or conviction of crimes which antedates the report by more than seven years.

15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relation to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
15 USC 1681 Section 604A It also states consumer reporting agency can not furnish an account without my written instructions. 

Experian Creditor Date of XXXX XXXX XXXX XXXX XX/XX/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 I did not give anyone any written INSTRUCTION!!!! 
XXXX XXXX XXXX
Consumer complaint received 2023-05-11
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. (VA)

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 2022-04-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

My credit union dispatched a payment for the statement balance in full on XX/XX/2022 for all of my credit cards from the proceeds of a Home Equity loan I obtained with them. This was made directly by the credit union to the payment address listed on the billing statement. All other accounts processed this payment within XXXX business days. 

My Capital One West Elm card failed to ever process the payment, so on XX/XX/XXXX, by which time all other accounts had paid off, I was required to make another payment. On XX/XX/XXXX, they assessed another month of interest to the account in the amount of {$110.00}. 

My credit union advised the check was never processed by Capital One/West Elm and placed a stop payment on the check and deposited the funds to my XXXX XXXX  XXXX savings account so I could pay this account directly to resolve. 

When I contacted Capital One/West Elm to pay off the account and resolve this matter, I requested that they waive the {$110.00} in interest since the only reason this account was not paid off was because of their failure to process or mismanagement of the payoff check sent by my credit union XXXX I have attached a copy of the credit union account where the statement payoff amount for West Elm 's XXXX statement was returned to me via Stop Payment on a check ( {$5000.00} ). 

Capital One/West Elm advised they would not refund the whole amount, but would waive {$50.00} as a one time courtesy. I accepted the {$50.00} waiver and requested if someone else could review to resolve this as it was Capital One 's fault, and they said no. I paid the account in full, but would like my additional {$63.00} in unfairly assessed interest to be returned to me.
Consumer complaint received 2022-04-25
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. (GA)

I sent a certified letter with return receipt requesting a description of the procedures used to reinvestigate my consumer report. The company did not send me a copy and only sent to me the disputed results as of today XX/XX/25 after being 15 days passed the alloted time to send me the reinvestigative results.
Consumer complaint received 2022-08-26
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. (MD)

I have asked the credit bureaus to do XXXX  review of my credit report, they did but i have found improper even after they did. but i did research and found improper even after they did the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights 15.u.sc 1681 section 602A section 2 : it also states a consumer reporting agency can not furnish an account without my writing instructions.

this what is being don't to consumers is not fair and should not be allowed, there need to ne some changes, i am hoping this helps understand my situation and these account gets removed from my records for never to return.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter was sent to TransUnion last XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiry that are still reporting on my Credit Reports : XXXXXXXX XXXX XXXX Inquiry Date XX/XX/2021
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Received a message from XXXX XXXX  saying that Capitol one credit card did a hard inquire on my credit. I never applied for any credit cards so don't know why they are checking my credit scores. Thank you
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

I have a credit freeze and identity alert on my credit report but somehow EXPERIAN keeps letting company 's run my credit without my permission, which has led to inquires that are not mine along with collections that are not mine. I reached out to Experian today XX/XX/2022 and asked about my credit report I asked why were these items popping up on my report and every representative I spoke with was either rude, ignorant or had me on hold for hours waiting for a supervisor who never got on the line i was able to get XXXX of the ignorant representative 's name XXXX was XXXX and the other was XXXX if that's even their real names. The amount of disrespect I received today is disgusting!!! Experian should be ashamed I will be contacting a lawyer to discuss my options.