davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

OnXX/XX/XXXX I noticed in my account summary a request for replacement card fee and unauthorized mulitiple atm withdrawls totaling {$12000.00} dollars. I contacted chase that day and questioned who had requested a card replacement and if there was ever a card that was sent out I was told this was in error and that it would be cancelled. They then told me that a dispute form would have to be filed by me and then they would investigate the incident. On XX/XX/XXXX Some time later Once I received the form and sent this too chase they then made a determination that all the disputed withdrawls were valid. I spoke with someone at the claims department and was given as one of the determining factors in there decision was that there were no errors in inputting the PIN number during any of the withdrawls they then explained that if I wanted it to be reviewed further that they would need a police report but until that there would be no further investigation. 
I went to the police and acquired the police report and sent a copy too chase at which time they sent me a second decision that in their determination that the atm withdrawls were valid. I then spoke with someone at the claims department and was told one of the determining factors was that the transactions occurred in areas that I was known to travel along this was the explanation I was given and no other recourse in their judgement. 
I have requested too see or have them check the video of the areas where the withdrawls occurred, there response was that it doesnt matter that I could have sent someone and when I pressed them further they indicated that if I wanted too view the video that I should call the police and have them show me. 
There was never any type of notification alert sent to me about these withdrawls when the normal process is that I would receive a text message of transaction events this I believe might have something too with the request unauthorized card replacement request that I noticed on my account summary right after which these unauthorized atm withdrawls started occurring and a possible link to not receiving any text notifications. In my dealing with chase representatives they have not provided any information too shed light on any of these questions. 
Atm withdrawls normally have limits, but in a span of 3 days someone withdrew {$12000.00} without any notification sent to me, the explanation I was given is that it most likely occurred inside the bank atm which may has higher limits and so in a short span of time someone was able to do large withdrawls. Chase bank was unresponsive in my request to see video footage. I have a 20 yr history with chase In terms of my account with them I have never made any atm withdrawls during that period of time something which should have the sent off red flags for chase starting onXX/XX/XXXX the beginning of the atm withdrawls and ending onXX/XX/XXXX at which time they never sent me any notice of any of the activity.
Consumer complaint received 2018-04-13
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. (NY)

I am contacting you because I am trying to get the 3 major credit bureaus to report correct information instead of fraudulent information in which they have been doing for the past 9 yrs and it is causing unnecessary stress to my health as I am XXXX and my son as he is XXXX as well. Let me first start by saying XXXX is falsely reporting addresses I never lived at as well as credit inquiries I keep asking them to remove because they are fraudulent and do not belong to me and I keep contacting them and sending documentation but they refuse to correct the problem at this point I am seeking an attorney because this has gone on way to fair. Being a victim of identity theft is a lot to handle on its own. Please make these companies stop false reporting because my credit scores should be well over 700 at all bureaus. My problem with my XXXX report is it shows a XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX which doesn't belong to me and is fraud and I would like it removed as well as a address that is fraudulent of XXXX XXXX XXXX XXXX as I have never lived there and this is fraud and I would like it removed because it doesn't belong to me and is fraudulent. As for XXXX there are two fraudulent credit inquiries that need to be removed because they do not belong to me and are fraudulent and I would like them removed from my report they are XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX and XXXX remove these inquiries at once as they do not belong to me. And as for Experian there's a XXXX XXXX XXXX inquiry and XXXX XXXX inquiries that are fraudulent and need to be removed as they do not belong to me.
Consumer complaint received 2018-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am contacting you because I am trying to get the 3 major credit bureaus to report correct information instead of fraudulent information in which they have been doing for the past 9 yrs and it is causing unnecessary stress to my health as I am XXXX and my son as he is XXXX as well. Let me first start by saying transunion is falsely reporting addresses I never lived at as well as credit inquiries I keep asking them to remove because they are fraudulent and do not belong to me and I keep contacting them and sending documentation but they refuse to correct the problem at this point I am seeking an attorney because this has gone on way to fair. Being a victim of identity theft is a lot to handle on its own. Please make these companies stop false reporting because my credit scores should be well over 700 at all bureaus. My problem with my transunion report is it shows a XXXX Inquiry from XX/XX/XXXX  XXXX   XXXX XXXX XXXX which doesn't belong to me and is fraud and I would like it removed as well as a address that is fraudulent of XXXX XXXX XXXX XXXX as I have never lived there and this is fraud and I would like it removed because it doesn't belong to me and is fraudulent. As for XXXX there are two fraudulent credit inquiries that need to be removed because they do not belong to me and are fraudulent and I would like them removed from my report they are XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX remove these inquiries at once as they do not belong to me. And as for XXXX  there's a XXXX XXXX XXXX inquiry and XXXX XXXX inquiries that are fraudulent and need to be removed as they do not belong to me.
Consumer complaint received 2018-04-13
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. (FL)

RE : UNAUTHORIZED INQUIRIES Never did I give anyone consent to use my credit. Nor did I allow your company to allow anyone to use my identity to attempt to open any new accounts. I am frivolous and XXXX at how your company violated my rights as a consumer with in The FCRA sections 609, 610, 611. Your company also used my credit file to place inaccurate erroneous information which I am unaware of. I have been a victim of identity theft in the pass. It is your job as a credit bureau to protect our credit files which you purposely leak consumers files. I am distress and I am disputing these accounts as an internal dispute listed in the files sections as photos and an affidavit. I have filed a suit against your company for violating my rights several times because I am sick and tired of this. It has to stop. I am allowing a total of 2 business days for this investigation to take place and a renewed copy of my Credit report with the inaccurate and erroneous items you placed on my report removed permanently. I will be following up with in 24 hours to retrieve information of whom placed the erroneous accoutns on my credit file. I want to speak to a supervisor who is in charge of this shift because someone isnt doing their job and doing fraudulent things where I will have to file a police report after the court hearing that is upcoming. The unauthorized inquiries are in the attached files below.
Consumer complaint received 2018-04-13
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: EQUIFAX, INC. (FL)

RE : UNAUTHORIZED INQUIRIES Never did I give anyone consent to use my credit. Nor did I allow your company to allow anyone to use my identity to attempt to open any new accounts. I am frivolous and XXXX at how your company violated my rights as a consumer with in The FCRA sections 609, 610, 611. Your company also used my credit file to place inaccurate erroneous information which I am unaware of. I have been a victim of identity theft in the pass. It is your job as a credit bureau to protect our credit files which you purposely leak consumers files. I am distress and I am disputing these accounts as an internal dispute listed in the files sections as photos and an affidavit. I have filed a suit against your company for violating my rights several times because I am sick and tired of this. It has to stop. I am allowing a total of 2 business days for this investigation to take place and a renewed copy of my Credit report with the inaccurate and erroneous items you placed on my report removed permanently. I will be following up with in 24 hours to retrieve information of whom placed the erroneous accoutns on my credit file. I want to speak to a supervisor who is in charge of this shift because someone isnt doing their job and doing fraudulent things where I will have to file a police report after the court hearing that is upcoming. The unauthorized inquiries are in the attached files below.
Consumer complaint received 2018-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

On XX/XX/XXXX I opened up a Business checking with First National Bank, Biggest mistake I ever made!!!!!!!! From the get go, they made mistakes opening the account. 
The day after I received a phone call from XXXX XXXX stating that she gave me the Signature Card, and Overdraft document that were signed by me by accident!! I have had bank accounts for over 40 years and have NEVER had that happen. I checked the account on line on XX/XX/XXXX and it had PENDING transactions. I had a car breakdown over the weekend and had to use all my cash to have it repaired because I was stranded! I called them up and told them that I would deposit to bring the account in the positive. They said I had until XXXX XXXX. I made two deposits, one at XXXX for {$100.00} and one for {$160.00} at XXXX, and {$5.00} in a drop box at the XXXX XXXX XXXX branch in XXXX, PA. For a total of {$260.00}. They said on the phone yesterday ( XX/XX/XXXX ) from the XXXX, PA branch, that I should do my business elsewhere, and she lied and said that I wrote " starter '' checks, I used checks that I had printed! She said even though the transactions were pending, she was going to close my account. I did not like here one little bit, she was very nasty, and should not be working there! I assumed that all the checks would be paid because I had the funds in well before XXXX! On XX/XX/XXXX I checked my account on line, they did not pay the transactions!!!!!!!!!!! And all the funds are in the accouont, and the account is NOT CLOSED!!!!!!!!!!!!!!!! 
I wrote the checks to XXXX XXXX, and they said if first national bank does not pay them, I will get a {$30.00} fee for each one!! I have never, ever had a check bounce at XXXX XXXX, and they verified that!!!!!!! 
First National Bank should be fined for unfair business practices, and another law suit should be filed against them!! They told me they would pay all transactions for 7 days, and they are not paying them!!!!!!!!!!!!! I looked them up, and they have less than one star rating, and I can see that they have pulled this stunt before!!!!!!!!!! I have never, in my life had a bank do such " shady '' business practices ever!!!!!!!!
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

At the beginning of the year myself and my wife received a copy of our credit reports and we noticed that there are many variations of our names and addresses that are unknown to us, including places of employment. So we deiced to update our personal information with the credit bureaus. 
On XX/XX/XXXX and XX/XX/XXXX we uploaded our up to date personal information including our places of work to Experian credit report upload website, we included notarized proof of our names, addresses and social security number. few weeks later we received copies of our credit reports from Experian and we noticed that they did not delete the inaccurate and old personal information, they just add the new information we send them. So, we did send the information back again on XX/XX/XXXX but this time by certified mail, and as the first time we send them proof NOTARICED of our identity, address and social security card, and once again, our information was not corrected, if they were ignoring the information we were sending them. On XX/XX/XXXXI call Experian to ask for an explanation why the information was not removed if we did send them notarized proof two times?

The answer I got from the agent was, that they will not remove or update my personal information unless a creditor or collection agency inform otherwise. I even argued that I am the only person with all original documents probing my identity, and as an example I ask the agent that if I have my birth certificate with my name written on my hand and my neighbor on the phone telling them a random  name of mine, which party they are going to believed? ... agent .. '' dont take it personal but, your neighbor.. 
Please help me to update my information, what Experian is doing is illegal our information has to be accurate, our names have to be 100 % accurate and all addresses most be removed, they are not deliverable to me or my wife by the US Post office, and they are not reportable as per the FCRA, since they are inaccurate.
Consumer complaint received 2018-04-25
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BB&T CORPORATION (FL)

I was divorced in 2013, husband has house and XXXX  taken my name off the deed, but not off the mortgage with BB & T. He is telling me they say I need to sign a Quit Deed in order for him to remortgage. 
If my name is already off the deed, I dont see how this is necesary. I have sent them copy of divorce papers and called several times.Getting nowhere.
Consumer complaint received 2018-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

As an XXXX  I am trying to get my loans forgiven, as well as trying to buy a house for me and my XXXX kids. I have been trying to get things in order with Navient for almost a year now. Every time my financial advisor ( who has third party authorization and full access to all of my accounts ) calls, Navient says that they do not have authorization. I have had to call on multiple occasions and tell Navient to check their files/ notes to see that they do have authorization. On XX/XX/XXXX I had made it very clear verbally that XXXX XXXX ( financial advisor ) has PERMANENT authorization.

Now, to the constant incorrect information that I myself and my financial advisor keeps getting ... On XX/XX/XXXX I spoke on the phone to first XXXX then XXXX, then XXXX, then XXXX was finally able to give me some information on two loans in particular. I got a letter from XXXX XXXX ( collection agency ) saying that they aquired two of my loans from Navient. Loan # 10 originally being {$9000.00} and loan # 11 originally being {$600.00} ( which was paid off by my mother years ago ). On this day, I had also set up automatic payments in the amount of {$250.00} FOR ALL OF MY LOANS with Navient. When I got the letter confirming the payment arrangement, it said that my monthly payment was {$750.00}, so I had to call Navient in regards to that as well.

Fast forward to XX/XX/XXXX, Navient has sent loans # 10 and # 11 to yet another collection agency and this company is now saying that I owe {$21000.00} for these two loans! I had already set up payment and have been paying every month ( even had wages garnished for 5 months ) with the original collection agency.

Long story story short, I am EXTREMELY frustrated by how Navient keeps treating me and my financial advisor, and I am starting to believe they are trying to cheat me out of my money. They can never give me correct information, loans that I have been paying on keep getting sent to collection agencies, and it is continually messing up my credit report.
Consumer complaint received 2018-04-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lendmark Financial Services (NC)

My now ex-spouse and I got divorced during the divorce all the auto were to remain with her both truck and suv. She accepted full responsibility for these loan which she turned and filed in a chapter XXXX. The divorce Judge signed the agreement. The lender refused to delete the negative loan from my credit reports and I disputed showing all my legal paperwork and the CRA have yet to update. I have emailed and contacted the lender with no response. I am still being hurt from this past with her even though I have legal paperwork showing I am not to be held accountable for these loans! There are two different lenders involved.
Consumer complaint received 2018-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian Report # XXXX Date XX/XX/2018 There has error regarding with address on my credit report ; XXXX XXXX XXXX XXXX XXXX XXXX is not correct due to it has no number and not my address the correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
Consumer complaint received 2018-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (LA)

I am a victim of identity theft. I mailed a letter, certified, tracked and registered, as well as other documents to ( Procollect Inc ) which included an affidavit of Identity theft, three police reports from the XXXX XXXX Police attesting to and stating that my identity had been stolen on three different occasions, in three different years. Account ( s ) were opened in my name, without my knowledge, as a result of identity theft. After receiving this information via a certified, registered and tracked letter ( Procollect Inc ) continues to report the unknown fraudulent account ( s ) on my credit report ( s ). The account ( s ) are : XXXX ( {$680.00} ). ( Procollect Inc ) did not respond to my request either.
Consumer complaint received 2018-04-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Key 2 Recovery, Inc. (KY)

I have been repeatedly called from a XXXX number regarding debt owed by my brother. I ignored the unknown number the first time and they left a voicemail stating they were calling about debt owed by ( my brothers name ). 
I later found out they also called two other siblings trying to track down my brother. 
They continued to call my number so I eventually answered, told them this was not the right number and asked them not to call again. Nonetheless, they began calling again so today I answered again. 

The caller stated that her name was XXXX XXXX, she worked for Key2 and her number was XXXX ext XXXX. 

Even though I told her this was the wrong number and I had already asked not to be called again, she continued to probe and try to determine my relation to her target and push me to get him in touch with her until I eventually hung up. 

I want this company to stop calling me.
Consumer complaint received 2018-04-13
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. ()

Hello, I have had to replace my credit card several times. The last time was because someone placed a LARGE amount of money on the card. It was taken care of and XXXX XXXX   issued me a new XXXX XXXX XXXX XXXX. 

I STRESS BEFORE I even RECEIVED the card in the mail I received an email from XXXX XXXX and it said I needed to Update my credit card and it gave me the last four digits of my NEW credit card. 

I contacted XXXX asked how they received the card number and I think they said it was given to them. I then contacted XXXX XXXX and they told that if I have a subscription the Credit card reporting companies automatically GIVE OUT the card number to those places. 

I feel I SHOULD BE THE ONLY ONE TO GIVE OUT MY NUMBER. Please STOP THIS Practice. this most likely how my card has been getting into the wrong hands. 

They also pull the credit card reports by ADDRESS and not by NAME and ADDRESS. As in My mom would get a credit report and it would have MY cards, my brothers cards my sisters card and my fathers. We would all have to say which was ours then have them remove them, At first they also used the FULL NUMBER on the credit card. NOW they always say never give out your credit card info to people you do not know. When I filed that complaint they woke up only a LITTLE they kept all the cards on the report but now they only have the last 4 digits. 

LOOK into that also to make sure they refine how the credit card report is pulled so only my moms cards are on her report. 

Look into all the credit reporting companies I do not know who handed out my info. 

I have a bigger second complaint with XXXX XXXX. I will write you on that separately. 

I did talk to a person from this site on the phone and told them what was going on they instructed me to files the complaints.