davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CO)

XXXX XXXX XXXX Chase Fraud Disputes Claim # XXXX Claim # XXXX  -On the morning of XX/XX/2018 my Chase debit card and phone were stolen while I was in New Orleans . My assumption is that they were stolen by a girl I had over to my room, but I have no way of verifying this. It

legitimately could have been gone earlier in the night. -My Chase account was completely drained of nearly {$4000.00} - my entire life savings. -I realized this when I woke up at my hotel in the mid XXXX. I went to get my phone to text & realized that it
, along with my debit card were nowhere to be found.

-My phone had no password & my pin along with other identifiable information were stored multiple places in it The purchases/ cash backs were as follows : # 1. XXXX XXXX XXXX XXXX XXXX  : {$7.00} purchase # 2. XXXX XXXX   # XXXX  : {$5.00} purchase + {$50.00} cash back # 3. XXXX XXXX  # XXXX : {$65.00} purchase + {$25.00} cash back # 4. XXXX XXXX XXXX : {$4.00} purchase + cash back {$100.00} # 5. XXXX XXXX XXXX # : {$10.00} purchase + {$100.00} cash back - Can not indefinitely say location based on information # 6. XXXX XXXX XXXX  Purchase : {$12.00} + {$100.00} cash back # 7. XXXX XXXX XXXX XXXX : {$17.00} purchase + {$100.00} cash back - Can not locate based on transaction information # 8. XXXX XXXX XXXX XXXX : {$500.00} purchase # 9. XXXX XXXX XXXX XXXX  : {$500.00} purchase # 10. XXXX XXXX XXXX XXXX XXXX : {$500.00} purchase # 11. XXXX XXXX XXXX XXXX : {$500.00} purchase + {$100.00} cash back And withdrawls of {$100.00}, {$100.00}, {$100.00}, {$400.00}, and {$400.00} -Chase has given me the timing of some of these transactions, which took place around XXXX-XXXX. The others I have not yet received information regarding.

-I was able to map these charges out via the transaction information and have found their locations to be scattered throughout the city of XXXX XXXX , in particular, along a major highway in the city. The transactions halted, of course, when my bank account ran out of funds.

-Additionally, Chase has informed me that they called my phone and sent a password via text to verify one of these transactions at the time of the occurrence. As stated previously, my phone was stolen. I am providing the receipt of the new phone in the documents section.

Chase has told me this case is closed, as I can not prove that these purchases were made by someone other than me. The only way I can get them to reopen the case is if I provide substantial evidence that it was not me- which takes a ton of time ( getting videos, police report, etc ) all while Chase has taken my entire life savings away.
Consumer complaint received 2018-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

When making a payment to Capital One in XX/XX/2018, the payment was never applied to my bank and therefore was reported late to the credit bureau when it fact it was made on time. The representative I spoke with on XX/XX/2018 was very rude and unprofessional. All of my payments before this one have been applied appropriately and on time. Capital One is claiming there has been fraudulent activity on my account but will not provide me with the information. I believe they are the ones whom have been fraudulent and perhaps have a representative using card holders accounts. They claim they can only speak to my husband whom is the primary. I have a card as well and have been making payments from our checking account for years. He has been out of the country and never even activated this credit card, only I have. He has mailed and faxed numerous letters providing all the information they have asked for in order for them to speak with me regarding anything pertaining to this account. I want this situation resolved asap and my credit report fixed as well in a timely manner.
Consumer complaint received 2018-08-07
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: EQUIFAX, INC. (FL)

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX XXXX, XXXX, GA XXXX Please update my phone number to my fraud alert : XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX {$860.00} XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$3900.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$560.00} The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/XXXX I checked my credit reports. Wells Fargo Home Mortgage shows me as being delinquent as of XX/XX/XXXX. Closed on XX/XX/XXXX, Permanent status Debt included in or discharged through bankruptcy chapter XXXX, XXXX, or XXXX. I did file bankruptcy and it was granted on XX/XX/XXXX. 

But I was not delinquent XX/XX/XXXX nor have I ever been delinquent on any payments. I continued to make the agreed upon monthly payments until XX/XX/XXXX. on XX/XX/XXXX I paid my mortgage in full. 

On XXXX I called Wells Fargo Home Mortgage to discus this issue. They said since I had not reaffirmed my loan they quit reporting it to the credit bureaus. I told them that was fine. But they needed to take off the delinquent report and say it was paid in full. 
She said she could not do that. When I insisted and said I filed complaints with the credit bureaus she referred me to their legal department. She tried to transfer me but cut us off instead. 
I called Wells Fargo back. Had to go through all the steps and information again. This person transferred me to the legal department. After being on hold for 10 minutes I was finally able to speak to a person. 
Again I had to explain the entire situation. He told me there was nothing he could do about it. When I insisted he informed me, I needed to write a letter detailing my request and what I wanted done. Also to include proof of everything and mail it to Wells Fargo Home Mortgage. 
I told him they had all the records and proof right there and it was Wells Fargo that reported the false information to the credit bureaus. He replied that the would not change anything until I mailed the letter with the proof. He gave me the address. I thanked him and hung up. 
I am a XXXX veteran on a limited budget. I can not afford to print and make copies of two and a half years of statements and pay the postage to mail all this to them. 
When they are the ones that falsely reported this information.
Consumer complaint received 2018-04-26
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. (GA)

I recently looked at my credit report and saw several accounts and addresses that I have never lived and or been associated with. I did file a police report about the fraudulent information on credit report. Below I will list the accounts and address that are incorrect on each credit bureau XXXX  Credit Report : Account Name : XXXX XXXX Co L Account # :XXXX  Date Opened : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX XXXX XXXX   Account # :XXXX Date Opened:XX/XX/XXXX Account Closed Account Name : XXXX XXXX XXXX  Account Number:XXXX   Date Opened:XX/XX/XXXX Account Closed Account Name : XXXX Account # XXXX Date Opened:XX/XX/XXXX Account Closed XXXX fraudulent address listed below : XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX   Fraudulent addresses : XXXX XXXX XXXX XXXX XXXX GA XXXX   XXXX  has birthdate incorrect as XX/XX/XXXXTransunion Credit Report : Account Name : XXXX Account # : XXXX Date Opened:XX/XX/XXXX Account Closed Balance : {$1700.00} Transunion Fraudulent Addresses:XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX  Transunion has my named misspelled as well XXXX XXXX
Consumer complaint received 2018-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Fidelity National Information Services, Inc. (FNIS) (NH)

On XX/XX/18 I requested a copy of my credit report using chexsystems and using there automated machine at XXXX. I had received a report this way in the past. I have had an XXXX breach, XXXX breach, also I had been alerted that a previous potential employer had a confidentiality breach due to a past employee stealing a laptop with personal information. Address, Social security numbers, State and government issued IDs, etc. I have also had issues with my bank account XXXX XXXX XXXX, and cell phone carrier, XXXX which my father, mother and brother and I are all under one plan. Not receiving the report is alarming since you leave all identifying information verbally. There is not a person to speak to nor a facility close by to discuss my report. So I requested one online and received a confirmation that I would be receiving the report within 5 business days so most likely by Tuesday or wendsday of next week today is XX/XX/18.
Consumer complaint received 2018-08-07
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: A & O Recovery Solutions, LLC (AZ)

XXXX  is not removing a fraudulent account from my credit report. I was sent into collections by XXXX XXXX for a debt I do not owe and after it was removed once, 5 years later it is back on. XXXX   removed it 4 years ago, and is not removing it this time.
Consumer complaint received 2018-05-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

XXXX XXXX has been reporting to all three credit bureaus since XX/XX/XXXX. I have been requesting this company to verify the debt they claim I owe them. I have disputed with all three credit bureaus and none have provided documentation. ARS collection company has sent me a letter stating they understand I am disputing the information to be verified and they just stated in the letter that it was verified and mine. They state on my credit report that the original creditor is XXXX XXXX XXXX XXXX XXXX which I have no knowledge of ever being seen by anyone by this name. Further more I was working and had medical insurance through both my employer and a secondary insurance plan with the VA because I am veteran. This has been going on for 5 months now and really causing a hardship because of this inaccurate information on my credit reports. XXXX   actually removed the debt on XX/XX/XXXX but added it back to credit profile on XX/XX/XXXX.
Consumer complaint received 2018-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial (MI)

I signed up with service with Ameritech services in XXXX, 2017 so they could look into consolidating my loans under the Public Loan Service forgiveness program. I provided tax information, check stubs, income based repayment plan, public loan service documentation and other pertinent paperwork they said they needed to get me a fixed rate for my student loans. Ameritech said they would get all the information set up I would have to pay a fee to start the process and then additional money each month. I paid over {$600.00} for there services and they never processed the paperwork to XXXX   XXXX XXXX. They processed it to another company that indicated they do not handle Public Loan forgiveness and that I would have to get it set up through XXXX XXXX XXXX  on my own. I finally cancelled their service in XXXX, or XXXX 2017 after not receiving any information from loan providers that they received any documents by XXXX   XXXX XXXX. When I spoke with the person with Ameritech at that time they indicated they were not going refund me for there services as they felt they did there job. I spent months and months trying to get things set up racking up interest fees. Ameritech told me that they were going provide this paperwork to that provider and get me a set fee on my loans which was not true. That information was a lie and they scammed me. I eventually had to call XXXX XXXX XXXX and they indicated to me that I could have contacted them on my own and that many of these places like Ameritech scam people into paying money for services when it is something I could set up for myself. Ameritech never provided the services they committed to and at the end I am paying more monthly out of my pocket. I am upset with myself for trusting in this service providing personal information to them and never receiving any recourse or action for what they said they were going to do. I am asking to be reimbursed for all the fees I had to pay as well as the interest rates that were included for all the time I wasted when I could have set this service up on my own.
Consumer complaint received 2018-05-09
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: EQUIFAX, INC. (NC)

I am having an issue with the personal credit reporting agency Equifax. My credit was obtained out of fraud and i had 7 hard inquiries on my credit without my knowledge. The dates and companies are XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. I have had no issue disputing these fraudulent inquires with XXXX  or XXXX. All i get back from Equifax is that they say it is a factual record. It cant be a factual record when i have not signed any authorization for any one of these lenders to obtain my credit falsely. None of these lenders can prove i signed any intent for credit with them and Equifax is failing to do its job to protect the consumer, which in this case is me.
Consumer complaint received 2018-05-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Commonwealth Financial Systems, Inc. (FL)

A gentlemen named XXXX XXXX of XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, PA XXXX has called repeatedly trying to collect a debt from someone I have never heard of named " XXXX something ''. I was polite the first few times as we told my number would be removed but they continue call from morning until night.
Consumer complaint received 2018-05-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (NY)

I submitted a complaint # XXXX regarding an error on my title. I recently applied for a home equity loan and during a title search found an error from a previous lender. I refinanced a first mortgage and home equity line of credit with XXXX in XX/XX/XXXX. Both the first mortgage and home equity ( +closing costs ) were consolidated into one mortgage loan at this time. In XX/XX/XXXX, three years later, XXXX submitted a lien for the mortgage and another lien for the additional money extended to me to satisfy the old HELOC and closing costs. 

There must have been some confusion, my complaint did not refer to my current HELOC that now belongs to XXXX. This loan was recorded correctly and is current. My complaint is with the new mortgage dated XX/XX/XXXX described in the Consolidation, Extension and Modification Agreement. XXXX not only recorded the new HELOC, they recorded the refinanced mortgage and {$11000.00}, the portion of the new mortgage as a separate lien. I am disputing the recording of {$11000.00} lien, it is not valid. It was consolidated into a new mortgage {$120000.00}. This loan now belongs to Ditech and they have not been helpful in aiding me to remove the error. I am looking for a letter that states that the {$11000.00} was recorded in error to submit to the XXXX County Clerk 's office to have the lien removed. If you refer to the response from the previous complaint I submitted, this same conclusion was made. 

I am submitting the Clerk 's recording page dated XX/XX/XXXX to prove this lien exists.
Consumer complaint received 2018-05-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

there are other address and accounts and collections reporting to my credit report and i have zero knowledge of who opened these accounts and how but they dont belong to me and this really frustrating that someone was able to use my personal private info i can never feel safe again
Consumer complaint received 2018-04-26
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: Experian Information Solutions Inc. (AR)

I tried to fix a issue with XXXX XXXX XXXX ( XXXX XXXX XXXX ) loan starting in XX/XX/XXXX through experian and they said it was already fixed and they couldn't do anything else I entered into bankruptcy protection XX/XX/XXXX  and XXXX XXXX entered a " Failure to pay '' for the month of XX/XX/XXXX Im only asking them to abide by the laws and remove the failure to pay from my credit reports but they refused to remove it.

thank you XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-08-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I have a car loan on which I created an auto pay account within my personal bank. So the payment will be donde monthly prior to the due date. The payment history with the bank that has the car loan is excellent never missed a payment and the amount sent every month was over the regular amount. All of the sudden my bank stop sending the payment and the account was behind for nearly two months. They report to the Credit Bureau a delinquency on my account. I never recieved a phone call from the XXXX XXXX.

I contact the bank and they verify my excellent payment history with them, including my amount of the payment been more than the regular. An electronic payment was sent to cover the balance due, which by the way was less than an actual monthly car payment.

Since the lender procced to report my " delinquency '', my credit score is affected. I want to dispute the report and get it removed from my credit report. So my credit will be as good as it was.
Consumer complaint received 2018-08-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

KOHLS/CAPONE showed up as a hard inquiry on my credit report I did not apply for a Kohls /Capone credit card on XX/XX/2018 I have never owned a Kohls credit card Kohls fraud dept called me I called back they want SS # i'm not sure if they are who they say they are to give SS #
Consumer complaint received 2018-08-07
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. (FL)

Filed a dispute with the credit bureau all 3, XXXX, XXXX and Transunion and the collection agency ( XXXX XXXX XXXX ) on XX/XX/18 with an account that I have no knowledge of this account or the amount owed of {$610.00}, where is this amount coming from? Dispute came back as verified on XX/XX/XXXX but yet I have no proof of how this account was verified and no information was provided that the account even belongs to me. What was the method of verification used? I have no contract or anything that this account belongs to me or much less that I owe them {$610.00}. This collection is hurting my creditworthiness.
Consumer complaint received 2018-04-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CT)

I have a HELOC with PNC Bank with a variable rate adjustable monthly. The line of credit is closed. I had filed for personal bankrupcy about 7 years ago and did not reaffirm this loan, but, PNC Bank has been issuing monthly statements and I have been making monthly payments on this loan for the past 10 years. The monthly payment amount changes due to the variable interest rate. 

PNC Bank has not issued a loan statement to me for the past 2 months. They have advised me that they have decided to discontinue issuing statements on HELOCs. They have informed me that they have no obligation, legal or otherwise, to issue statements to me on this loan. They will not allow me online access to the loan information since I do not have any other accounts with PNC. 

They can not tell me how I am supposed to make payments on this loan, or how much is owed monthly. I believe that PNC is violating their legal obligation to provide a monthly statement on this loan in an attempt to force me to refinance this loan because they no longer want to provide the favorable interest rate on the loan.