davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp (NJ)

I recently discovered that my spouse had applied for a XXXX loan with Lending Club and had listed me as a XXXX without my knowledge or permission on XX/XX/XXXX. I was unaware of this until I noticed that my credit score had dropped dramatically and I found it on my credit report. I contacted Lending Club and spoke with XXXX on XX/XX/XXXX to question how I ended up on the loan. He told me that my spouse had listed me as a XXXX. The money was deposited into his individual account so I was unaware that the loan was taken out. I believe that I should not be held responsible for the loan since I was not given the opportunity to review the terms of the agreement, or the Truth in Lending Disclosure. Additionally there was a Consent to Electronic Transactions and Disclosures which I did not sign or to agree to. Lending Club made no attempt to send me these documents by email, through regular mail, or reach me by phone to verify my status as XXXX. If an electronic signature is used to obtain consent and finalize the loan, then the signatures on the required documents should be sent from the email from the person who is entering into the contract. Lending Club was negligent in creating one single electronic contract with both the XXXX and XXXX  XXXX 's names to which only the XXXX could access.. Lending Club did not make any reasonable attempt to verify that I wanted to be a XXXX and in fact did not even have my email until I called to ask to have my name removed from the loan on XX/XX/XXXX. It seems as if Lending Club has no safeguards in place to verify that the application is not fraudulent. If a loan is closed in person, photo id is requested. What did Lending Club do to verify the application? I believe that even though I am the spouse I still have the legal right to review my responsibilities as XXXX-XXXX. Lending Club operates under the impression that it is acceptable to assume that the XXXX is in agreement with the terms of the loan, even though his or her electronic signature arrives through the XXXX 's email. It is certainly not the norm for spouses to share an email.so this serves as evidence that Lending Club 's practices are very weak and risky. I am asking that my name be removed from this loan. Lending Club is free to take whatever legal action they deem appropriate against the XXXX who submitted the application.
Consumer complaint received 2019-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: First Technology Federal Credit Union (CA)

The week of XX/XX/XXXX I canceled a recurring series of payments scheduled to be paid on the XXXX of every month because I knew that I would not have enough money in my account until my paycheck was deposited on Friday XX/XX/XXXX. I thought that this would be sufficient time to cancel the payment as I have done this before without any issue. I verified that the payment was canceled and it was removed from my upcoming/scheduled payments listed in the online portal. No payment for XX/XX/XXXX was listed. I then scheduled an one time payment for XX/XX/XXXX to the same payee. 
On XX/XX/XXXX, the payment was made anyway which resulted in my account becoming overdrawn and an NSF charge for " NSF/Returned Items Paid ''. 

On XX/XX/XXXX, I noticed this and called the credit union for support, In addition to this payment I had another payment for the same payee scheduled to come out on XX/XX/XXXX. The credit union admitted fault, put a courtesy stop payment on the XX/XX/XXXX payment, and reversed the NSF fee as " Reversal : Reversed Paid Insufficient Fee Paid reversed 1 NSF fee of XXXX per CU error billpay '' Later on XX/XX/XXXX, two previously scheduled ACH transfers came out of my account. The credit union charged me two more NSF fees " NSF/Returned Items Paid ''. 

On XX/XX/XXXX I contacted the credit union through online messaging and asked that they reverse the two additional NSF fees which were due to the same error they had already admitted fault on. 
On XX/XX/XXXX, the credit union responded that they would not reverse the fees. I replied with additional information on the history of what happened. 
On XX/XX/XXXX, the credit union responded that they did not see this as a credit union error. and advised me to call the credit union. 

On XX/XX/XXXX, I called the credit union and explained the situation. The representative told me that they needed to send it to a manager to review and that they would call me back the same day. I did not receive a call back. 

On XX/XX/XXXX, I called the credit union again and was transferred to a call center supervisor. The supervisor told me that he would not reverse the NSF fees because it was not a credit union error. I explained that the credit union had already previously admitted to the error and reversed the charges, but that these two additional charges posted later on the same day the first fee was reversed ( XX/XX/XXXX ). They are now saying this was not a credit union error, and refusing to reverse the additional two NSF fees
Consumer complaint received 2019-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

My previous mortgage holder, XXXX XXXX XXXX, did not accept a modification agreement, sent to me by themselves, which I returned on time ( in provided overnight delivery XXXX envelope ), 2 copies with my signature on both of them> I left one copy to my self. I paid 7 months Trial period payments of ( $ XXXX ) and 10 months of modification payments, as it was on agreement signed by me, but after all, XXXX XXXX XXXX attempted to foreclose on my property numerous of times. After I filed a complaint in a Missouri Small claims court, XXXX XXXX XXXX transferred the case to Federal Court and tried to dismiss it. Thet, in the middle of litigation XXXX XXXX sold my mortgage to SPS, inc. ( Select Portfolio Servicing ), which repeats the lies of XXXX XXXX XXXX, by saying that I paid only 3 months of TPP ( trial period payments ) and XXXX XXXX XXXX did not approve the modification. Both of them are disregarding my 17 months of payments, by mentioning only 3 of them!!! They lie in Federal and State Court rooms, under the oats they take! This is a capitol offence and forgery all in one! 
I want the truth to win over the lies of these mortgage holders! I am defending not the walls of my property, but my dignity and my right to defend myself against any crooked bank or organization, that ruined 10 years of my life and made me XXXX XXXX XXXX XXXX and very XXXX   person. They took me from enjoying my family and my children for 10 years and still doing this up untill today. In fact, tomorrow SPS, inc will attempt another foreclosure of my property. I will be fighting against this once again.
Consumer complaint received 2019-05-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MA)

XX/XX/2019 XXXX XXXX ( DST ) MoneyGram Reference # : XXXX In the amount of {$50.00} with a {$6.00} Transfer= {$56.00} debited from my XXXX XXXX credit card. I sent this payable to my son, who has the same last name and resides in Hawaii, which means it was sent within the United States, from one state to another state. 
MoneyGram processed the request and assigned it a reference number for pickup and showed it as " available '' when checked online. However, when my son tried to pick it up he was told that it was not going to be processed. It was still appearing as " available '' on their website. 
This is probably the fourth or fifth time that this has happened and the amounts are not huge usually about {$20.00} to {$30.00}. They do not actually credit my credit card account unless and until I call them and request it. My bank approves the initial transaction and they for whatever arcane reason decide it should be rejected. It is their Fraud Department who makes this decision. There does not seem to be any rhyme or reason for their actions and whatever their reasons are-is a closely guarded secret. And there does not seem to be any way to reach these " Guardians of Fraud ''. This had happened a few times a couple of months ago so I stopped using them then I started to again and everything was alright until the last week. XXXX XXXX does not assign a transfer number unless a transaction has actually been approved by the sender 's bank and by XXXX.
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

XX/XX/2015 CHAPTER XXXX DISCHARGED XXXX $ FILED POLICE REPORT AND FTC REPORT STII SHOWING N PUBLIC RECORD I AM A VICTIM OF IDENITY FRAUD OTHER ITEMS WHERE REMOVED EXCEPT PUBLIC RECORD WOULD LIKE REMOVED AND BLOCKED THIS ACCOUNT IS SHOWING ON ALL THREE CREDIT BUEARUS XXXX/EQUIFAX/XXXX
Consumer complaint received 2019-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Credit Bureaus reporting Collection from XXXX XXXX as originated from XXXX at XXXX XXXX XXXX. They also report the data of the debt with XXXX XXXX as XXXX XXXX. 

The debt is currently in dispute The amount is also incorrect
Consumer complaint received 2022-12-17
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. (TX)

Equifax, XXXX and XXXX has violated my federally protected consumer right to privacy, confidentiality and agencies not reporting XXXX XXXX accurate information under 15 U.S.C 1681. 
Since l submitted Since l submitted complaints to Consumer Financial Protection Bureau ( CFPB ) Complaints onXXXX for Equifax ID # XXXX, XXXX XXXX # XXXX and XXXX XXXX # XXXX the agencys has reach out to XXXX XXXXl, XXXX XXXX  XXXX XXXX and XXXX XXXX which is XXXX out The several reporting companies l complaint to CFPB on XXXX concerning reporting inaccurate informations. The companys had changed their information to corrected the information reporting and sent the information back to Equifax, XXXX and XXXX. Over the past several years l have disputing a lot of the inaccuracies information with the companys and credit bureau agencys until l filed the complaints with the CFPB thats when the Credit Bureau and Companys is now starting to correct the inaccuracy information been reported by the companys. Im uploading he changed they made because l filed the XX/XX/2022. There are several more companys that l addressed in my complaints on XXXX waiting to hear from the credit bureaus when changes going to occur. The inaccuracy information had impacted my life and Improper use of my report l did not give the Credit Bureaus written permission to furnish my account or my information. I have the right to privacy 15 U.S.C 1681. 

Improper use of my report and furnish inaccurate information has violated my right. 15 USC 1681 section 602 A. States l have the right to privacy. 15 USC 1681 section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedated the report by more than Seven years. 15 US C 1681 s-2 ( A ) ( 1 ) A person shall furnish any relating to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Im demanding that the accounts in the complaints ID # XXXX, # XXXX XXXX and # XXXX XXXX be permanently and immediately removed from my report in accordance with 15 USC 1681
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been married for 3 years and Transunion has the wrong last name for me. This in turn caused the credit monitoring company ( XXXXy ) to not allow me to set up online access. 
Both of these companies are requiring me to mail in information. Personal information that I do not feel comfortable mailing. They do not offer a fax number or email address to send this information either. 
They do not offer a feedback section via phone or website. 
Transunion has an app and a website you can log into but does not offer a secure message option to upload documents either. 
I have reported this to the XXXX  and I am adding my complaint on here. This is 2019, mail is not the only way to deliver things. I was willing to find a fax machine as well, but they stated they no longer use this.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: JPMORGAN CHASE & CO. (SC)

JP Morgan owners of Chase credit card and something called XXXX with XXXX bank were contacted in XXXX thru XXXX to remove and clear items posted by them on all my credit reports and public records. They claim I opened an XXXX XXXX Credit card account from Chase Bank and a XXXX gas rewards card through XXXX Bank started from and after XXXX and XXXX. 

I reported these as fraudulent as I do not have any association to neither institutions and have not applied for a chase bank card when I was in College in XXXX and it was denied due to no credit history and my XXXX background as an XXXX XXXX. 

Since this year and the past I have seen these two companys claim I have a debt with them. Destroying my credit rating and constantly having third party companies call my phone number from XXXX to XXXX monday through saturday. I have reported these to the credit burues. They sent a reply back to them stating they have proof it was done by me but have not show it at all. I have filed Identity Theft since XXXX, XXXX, XXXX.
Consumer complaint received 2021-01-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2019-05-08
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: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I was informed by my loan agent there there was numerous negative accounts on my credit files. I immediately opened up a monitoring service to view my credit file up until now i had no use for any as I rarely use my credit at all and often reside in XXXX much of the year. Upon viewing the authorized accounts on my credit file dating back several years, I immediately contacted the local authorities to begin procedures to protect myself from further harm. I am now following the guidance given to me per the local authorities and contacting each of the credit bureaus and creditors also I am filing with the State Attorney General, FTC, And CFPB. 

Please Remove the following : XXXX {$5100.00} XXXX XXXX  {$3300.00} XXXX XXXX   XXXX {$120000.00}
Consumer complaint received 2019-05-08
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Perfection Collection (OK)

XXXX XXXX from Perfection Collection LLC called a family member on XX/XX/2019 and notified him of a supposed debt I owe. After talking on the phone to him, an email was then sent to him stating that I owe different amounts on the debt and can settle the account. I called the collection company and spoke to XXXX. I asked for proof of the alleged debt and to stop contacting my family. She stated that she would when the debt is paid. I then requested that further contact be made in writing to myself only.
Consumer complaint received 2020-04-06
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. (IL)

A bankruptcy discharge was added to my credit report and the following was not sent to be before being put on my credit report Under the FCRA, your creditor and any other information supplier : must not report to a CRA any information about you that it knows -- has reasonable cause to know -- is inaccurate has a duty to promptly update and correct any inaccurate information that it previously supplied to the CRA must tell you about any negative credit information it reports to a CRA within 30 days must notify the CRA when you voluntarily close an account with it, and must maintain a reasonable procedure to respond to identity theft notices by a CRA, and refrain from reporting information about an account that you previously reported was the result of identity theft.
Consumer complaint received 2020-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I had a Costco Anywhere credit card. That credit card got stolen and a balance was run-up. I called and reported it along with a police report.

Costco Anywhere did not do anything about it. They denied me and insisted the claim was false. The claim is not false, someone did, in fact, steal my card.

Costco Anywhere did not honor its zero fraud policy. 
Now they plan on sending the balance on that card to collections. 
I will have a bad credit score because this company failed to honor its fraud policies.
Consumer complaint received 2019-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NY)

Our previous loan company was XXXX. They sold out to Loancare , LLC. We received a letter from XXXX on XX/XX/XXXX that our new mortgage company would be Loancare as of XX/XX/XXXX ( this is also when our loan is due- XXXX of each month ) and it gave the address to which our payment should be made. We have a Third Party payor that sends our mortgage payment out for us so that our loan should be paid off early. This company is called XXXX XXXX. I called them to notify them of the change then I faxed them the letter we received from XXXX. They sent the payment electronically on XX/XX/XXXX, we verified the amount and trace number with Loancare because we received a bill saying out XX/XX/XXXX payment was not made. That prompted me to call Loancare. The first time I spoke with a man named XXXX. He asked for our loan number I told him I only had the loan number from XXXX. He said that was fine because they had both that number and our new loan number with Loancare but said no payment had been made. So with XXXX XXXX   on the line and with Loancare on the other line ( conference call ) the loancare rep researched and found out that yes they received the money but they thought it went to another customer because of the loan number used ( the only one we had at the time ). She said the problem is that customer was no longer a customer of Loancare 's so Loancare sent our money to the other person 's new financial institution. She said she would put in a request to get it back but our account would show over due until Loancare received the money back. I have called several times and spent hours on the phone on hold and I spoke with two Managers. The first Manager told me our account would be credited within two business days. A week later I called only to find out he lied. I spoke with another Manager and he said the money would not be credited to our account until Loancare received it back. I told him that was not our problem our payment was made and we want it credited to our account. We received over due phone calls and letters in the mail. He told me that was just automatic and to disregard them I said that is not the point- the point is we made our payment and it should be credited to our account as of XX/XX/XXXX. I told him I wanted to speak with someone higher than him He said he would put the request in. We never heard back. I called again asking to speak to the highest person in authority and was told I could only speak to an immediate supervisor. I said fine put them on and then I will ask to speak to someone higher. I was put on hold for 28 mins. Finally she came back and said no one was available but she would have them call. No one ever called. I have spent HOURS on the phone with Loancare trying to get this resolved and they keep telling me the same thing that they will not credit our account until they receive the money back from the other institution. I asked what happens if they never send it back? I got no answer.HELP.
Consumer complaint received 2019-05-08
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: Security Credit Services, LLC (LA)

I received a notification through my XXXX XXXX credit monitoring that a new account was added to my credit profile on XX/XX/2019 by Security Credit Services for the amount of {$1200.00}. According to my credit alert, this account was opened on XX/XX/2019. I have been diligently working for the last 5 years to repair my credit and this account has dropped my score almost 50 points. I have not received any form of communication about this debt, what so ever! There is no identifying information about the source of this account ; aside from the fact that I haven't opened any new accounts in OVER 5 years!
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PINNACLE FINANCIAL PARTNERS, INC. (SC)

I opened an account with Pinnacle Bank ( formerly XXXX XXXX ) on or around XX/XX/2008. Some time in XXXX the bank sent me checks with a fraudulent account number on them so when I used the checks for purchases the checks did not clear my account. The branch manager at the time assured me that he would resolve the discrepancy and he sent payments directly to the vendors to pay for the banking error. Shortly after the mix up I closed the account and they then put a bad debt on my credit. I am not responsible for the banking error nor should have this on my credit. The bank has once again changed their name and none of the previous banking associates are there anymore that would remember this happening. I want this charge removed from my credit. 

Sincerely, XXXX XXXX XXXX XXXX previously named : XXXX XXXX XXXX XXXX