davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Lending Club Corp (DE)

I am trying to obtain my funds from Lending Club. I have requested a transfer on multiple occassions with not success. Thier contact information does not work. Phone line just states no one is in the office. Email address they provide is used for them sending messages only. 

Something is very wrong with this operation.
Consumer complaint received 2022-04-08
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)

XXXX - XXXX - {XXXX} XXXX XXXX - XXXX - {XXXX} XXXX - XXXX - {XXXX} Department of Education - XXXX - {XXXX} XXXX - XXXX -- - {XXXX} XXXX XXXXXXXX XXXX - {XXXX} In according to the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I have a right to privacy and the right to determine what information is personally released about me. I have tried several times to remedy this the companies directly through email and US Mail. This company continues to publish information that is false and hurting my ability to live a lifestyle with the similar privileges of my peers.
Consumer complaint received 2022-01-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc. (NY)

On XX/XX/21, I tried to use the card to make a purchase less than {$10.00}, it was declined. I then checked the balance, there was a charge of {$47000.00} pending on the account. I immediately called the bank to report my card information was stolen, that was a fraud. The representative on the phone told me that I have to wait until its posted to dispute it. The next morning I checked the balance again, the charge changed to {$14000.00}, that was what was left on the card, so it wiped out the account. I called the bank again. I was told to file a police report, a dispute form and get them notarized. I did everything they asked for. I also during this time had made multiple phone calls to the store that the charge was made and informed them my card was stolen, please dont make the shipments if its an online sale. I also emailed their company. The store then called their police, XXXX, the officer contacted me for more information through phone calls and emails. He also said that the store informed him that someone was about to come in and pick up the watches that was bought with my name, he was waiting outside the store. He also said he would be happy to help if the bank calls. I then called the bank and provided them with all this information hoping it would help with the investigation. I waited for about 2 months, I today got an email saying their investigation found no error in the transaction and the case is now resolved and closed. I called the bank immediately and was on the phone with a few people for 3 hours, cuz they would put me on hold transferring to someone but the call just drops and I had to start all over again. The whole customer service experience is a nightmare. Eventually I was told that they would escalate the case but not very hopeful. I asked what exactly is the investigation process, cuz I have a police report, I called numerous times when it was still being processed. I called the store if they had investigated any of these resources, its more than obvious that it was a fraud. The word was mentioned throughout the phone calls. I cant contemplate they would come to this conclusion if any effort was invested in the investigation, its clearly a fraud. However, they basically just said that they couldnt see it in their investigation so it was determined as no error. Ive lost faith in their investigation. Please help me get justice.
Consumer complaint received 2022-01-24
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-01-24
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. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

XXXX is reporting an inaccurate payment history ( 60 day late XX/XX/2021 ) with no prior late payment. They will not allow me to speak with anyone in their credit reporting department. 

XXXX XXXX toll free number ( XXXX ) which identifies itself as their " credit bureau reporting department '' does not provide me with a live person, nor does it give an option to discuss the inaccuracy. The message directs me back to the credit bureaus and then, abruptly hangs up. 

The credit bureau - Equifax - will not conduct a proper investigation. They are not providing me with a complete and accurate report. They will not contact XXXX to verify account information. Will not conduct an investigation as required by FCRA.
Consumer complaint received 2021-05-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Please provide feedback about the companys response. 
You have 60 days from when the company responded to your complaint to provide feedback. To provide feedback about the companys response you can log in to the Bureaus secure website or call us at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX., Eastern, Monday-Friday. 

COMPLAINT ID XXXX company never responded
Consumer complaint received 2022-04-08
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: Resurgent Capital Services L.P. (NE)

The philosophy of XXXX XXXX and LVNV seem to be that they allege you owe a debt and the consumer just deals with it or pays debts that are not theirs in order to finally have them removed from a XXXX XXXX XXXX. This is a direct violation of Federal Law 15 U.S.C. 1681. 

I also disputed the presence of XXXX XXXX XXXX being listed on my credit reporting file, I have not received documentation from either XXXX or XXXX XXXX XXXX as requested. I have requested signed documentation authorizing the original account be opened in my name and social security number. No documentation was ever provided by either company. I requested this in order to have the signature compared to years of my signatures to assist in prevention of identity theft and to ensure 100 % accuracy of my credit reporting file. 

I have attached a copy of my dispute letters and every tactic they have used to prevent correcting the bad information, up to and including their claim in one letter that they could not even locate my credit file, as you can see in my dispute letters, they were given their own information to identify my credit file. 

How can a credit reporting agency be trusted to ensure accuracy of the information they are reporting, when they can not even locate a consumer file with their own information and a copy of their own report included with each dispute?
Consumer complaint received 2016-11-30
Product: Credit card — 
Issue: Delinquent account — 
Company: DISCOVER BANK (NY)

This account was a joint credit card with Discover card the account was to increase my credit score. I did not use the card nor did I have a card to use. The primary card hold was doing me a favor, but ended up hurting me. I 've been trying to get my name removed from this card and trying to get it removed off of all my credit reports. The primary card holder abused the card and was n't paying the monthly payments. The only way I found out that the bill was n't getting paid I download an app to see how my credit score was looking boom it popped that the account I have joint with has n't been paid for months and that it was maxed out. I am trying to buy a house with that joint account with her it 's preventing me to accomplishing my goal in purchasing a home. Can you all please do something to get that account removed from my credit reports and taken. I 've have lost large amount of money trying to pay this off on something I did not use. Its to the point now where I can not continue paying for something I did not use or have access to.
Consumer complaint received 2022-04-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX/ {$4400.00} / XX/XX/2022
Consumer complaint received 2018-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

To Whom It May Concern, Hi, my name is XXXX XXXX and my loans are being handled by Navient. I have reported this problem before, to which they fixed the problem after the first complaint. However, they have yet to fix this problem with other students ( including myself again ), as well as my other classmates. To my understanding, when students obtain loans, students have 120 days to return the loan without any fees or charges occurring ( i.e. that loan amount does not accrue interest ). However, whenever I make return part of my loan to Navient within these 120 days, they apply some of the repayment to the net loan and some of it to the interest that has accrued. Ultimately, these means that the net loan amount is higher and students are paying more over time as the increased net loan creates more interest for students. About 1 year ago, I already created a complaint regarding this issue where they refunded me for the amount that was applied to the interest, and the additional interest that it created. Other students that I had warned about this issue contacted the company to which they said this problem has never occurred before and it was a simple error in their 'system '. However, despite their awareness of this issue, they have still yet to fix this 'problem ' that is essentially generating more money for them. 

After I reported this problem to them, the company 's response was to say that my payment on XX/XX/XXXX was more than 120 days from the last disbursement on XX/XX/XXXX. However, there are clearly two disbursements after this stated XX/XX/XXXX date on XX/XX/XXXX, and then the latest one on XX/XX/XXXX. Thus, there was clearly less than 120 days between XX/XX/XXXX and XX/XX/XXXX when the money was returned.
Consumer complaint received 2022-01-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2021 I received the below email from my vendor, XXXX XXXX. It came from the correct email address for XXXX XXXX, the owner of XXXX, and requested payment for an invoice that I owed. XXXX had previously sent me the invoice from this email address with this subject line, however the email below did not come from him. Apparently someone accessed his email and sent me the below email with attached ACH payment instructions. After corresponding with this person I believed to be XXXX, I subsequently paid the invoice for {$30000.00} using these instructions. The instruction were for an account with Bank of America. On XX/XX/2021, I attempted to pay a second invoice using the same instructions. When it did not go through, I contacted XXXX. He told me the emails did not come from him and that he had other clients who received similar fraudulent emails and had also sent money. I attempted to dispute the transaction through my bank ( XXXX ), but they refused to investigate. I also contacted Bank of America who would not pursue investigating either, but did tell me the account was a BOA account and that it was not in the name of XXXX XXXX. I questioned how they could receive funds payable to XXXX if the account was not in the name of XXXX and they refused to comment. I filed a police report through the XXXX XXXX XXXX XXXX XXXX Police Department and told XXXX and the other parties to do so as well. Bank of America has refused to take any action on their claims either. It is beyond my comprehension why Bank of America will not investigate whoever opened this fraudulent account. 

From : XXXX XXXX XXXX Sent : Monday, XX/XX/2021 XXXX PM To : XXXX XXXX XXXX Subject : XXXX : XXXX XXXX XXXX XXXX  - First Payment invoice Importance : High XXXX, XXXX up regarding the attached invoice. As you can imagine, the collection of all outstanding payments has a unique level of urgency. We made upgrades to our billing system and with this we will be required to update our banking information with all our associates, All invoices should be processed via ACH payment only as we would not perform any check or Credit card transactions. 



Do you have the ability to process the payment via ACH transfer so i can provide you with our effective banking information? 


XXXX XXXX | XXXX XXXX m. XXXX o. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-25
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. (VA)

In accordance with the Fair Credit Reporting act. The list of account below has violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 1. Account Name : XXXX XXXX Account number : XXXX 2. Account Name : XXXX XXXX XXXX Account Number : XXXX 3.Account Name : XXXX  XXXX XXXX Account Number : XXXX 4. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 5. Account Name : XXXX XXXX Account Number : XXXX 6. Account Name : XXXX XXXX Account Number : XXXX 7. Account Name : XXXX XXXX Account Number : 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 instruction.

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 7 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 2022-01-24
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: Experian Information Solutions Inc. (MI)

I have a open dispute with experian. I have mailed countless letters to experian about these unverified invalidated alleged accounts. These accounts are to be verified by law per TILA FCRA 609 ( a ) ( 1 ) ( A ) through the original signed consumer contract. Experian refuses to provide me with any and all documents used for validation and verification. Experian representative on call XX/XX/22 XXXX. has told me experian is verifying accounts through XXXX XXXX 3rd party data collecting services, funny thing is Ive already opt-out and did a total security freeze on any fraudulent information that XXXX XXXXXXXX has illegally obtained because I have never done business or signed any contract with XXXX XXXX to house or obtain any personal information. This is total conspiracy. Experian refuses to keep their honor with the people and thats to protect the rights of the consumer, to validate alleged accounts or inaccurate information. They are leaning heavily on a e-Oscar system for validation and verification that has shown to be obselete and damaging when fraudulent information has been put into the system. I demand to see all required documents used for validation on disputed accounts. Someone needs to be held responsible for this irreparable harm that this company is causing millions of people from negligence to do what theyve been illegally placed to do, to investigate validate and verify any and all complaints of the consumer about their consumer report. I demand to see my original signed contract from these alleged accounts from the creditors I have no knowledge of and any personal information that is not accurate needs to be removed immediately! There are laws in place for reasons Experian is not above the law!
Consumer complaint received 2022-04-08
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 XXXX  Account XXXX XXXX XXXX acct # 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 XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2022-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

On XX/XX/XXXX, I refinanced by property at XXXXXXXX XXXX XXXX XXXX XXXX Florida. 

Once the loan was funded I received notification that the servicing company was going to be XXXX XXXX XXXX and I established automatic payments for the new mortgage payments to be taken from my bank account. 

On XX/XX/XXXX, I received a letter from the bank saying that they were going to be switching servicing companies to Select Portfolio Servicing ( SPS ) effective XXXX XXXX. 

On XX/XX/XXXX, i received a goodbye letter from XXXX XXXX XXXX  saying the loan had been transferred back to themselves On XX/XX/XXXX i received a welcome package from SPS stating that they were the new mortgage servicer and as a result I set up automatic payments out of my bank account with the new servicing company. 

On XX/XX/XXXX, I called XXXX XXXX lending to ensure that the loan had been transferred as I did not want to make double mortgage payments. I spoke with customer service and they made it clear to me that they were tho OFFICIAL servicer of the loan and that SPS had no right to contact me and they said that I needed to continue to make my regular monthly payment to them or they would report a derrogatory on my credit report. I then called SPS and reported the problem and they empantically stated in contradiction to XXXX XXXX XXXX  that they were in fact the OFFICIAL loan servicer and they had document to prove it. They also suggested that if i did not pay them they would report it negatively on my credit report. 

I have been forced to make double mortgage payments since XXXX. Neither company will contact the other to help resolve this issue. I have made contact with each of the respective companies in excess of 15 times to report the issue and both insist that they are the correct servicer. Meanwhile my bank account has been drained. 
I am now broke. Neither company is wroking to resolve nor refund the excess payments and none are willing to resolve this issue. 
I have spoken with the highest levels of management from both companies and they express to me that nothing can be done within their scopes of authority to fix the situation. 

I need the government to step in an help resolve this and get my overpayments back. 

i have been shuffled around like a deck of cards from one lame customer service agent to another. I honestly can not tell you who is worse ... .Select portfolio servicing or XXXX XXXX XXXX. In my opinion they both are less that a XXXX out of XXXX. 

I am sure that there are laws in place that are supposed to prevent things like this from happening to a consumer. The long and short of it is that the companies hide behind their phone systems and emails and largely ignore the situation. 

I recently was advised 2 days ago that XXXX XXXX XXXX was going to transfer the loan to SPS on XX/XX/XXXX but they would not be refunding me my overpayment. 

PLEASE HELP ME get my money back. This is not right!!!!
Consumer complaint received 2019-04-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (MA)

Good morning, I get into the XXXX XXXX  class program enrollment at XXXX XXXX through my SSN. 

the XXXX XXXX XXXX 0 % APR program, XXXX XXXX XXXX I don't know exactly amount what I get the student loan, and the next day I get approved, I do the ACH payment each month XXXX. 

on this year, I think the I am under the {$3300.00} what they advertised on their website, but this year XXXX I have payed over {$3300.00}, so I call them, they said I have over {$4000.00}, and I need pay extra {$1300.00} around. they don't applied my student discount, and give me the full maximum payment, and I don't know why they do that. 

Those couple of days, they said the XXXX billing department, I think is XXXX XXXX on XXXX XXXX, IL. they said they don't have my ACH account, and I have another Loan under my name at XXXX XXXX, which is two month ago. 

I never have multiple loan with them, they have the potential student loan fraud. I ask them about the tax document last year, they can't provided.
Consumer complaint received 2022-01-24
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: DISCOVER BANK (GA)

I noticed a discover card reporting on my cred report. I immediately disputed the card which was deleted but now the company has reported it again on my credit. As a consumer that alerted them to identity theft, I have the right to fair and accurate credit reporting, they did not provided me with any of the requested documents per their investigation to validate that this card was opened and authorized by me.