davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-18
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (AZ)

My family is now basically homeless because of Chase and XXXX. The sale of our home and purchase of the new home was scheduled for a same day closing. Today we had to spend {$1200.00} to place all of our household into XXXX XXXX. I 'm hoping you can help light a fire for them to make this right. As of tomorrow my family will be living in our 5th wheel. 

We had a short sale with Chase dated XXXX/XXXX/XXXX. Chase incorrectly reported it as a foreclosure and updated the credit bureau to a short sale in XX/XX/XXXX. XXXX is pulling over that short sale from XX/XX/XXXX is now late in XX/XX/XXXX because of the update Chase did. XXXX reps just tell my lender we see the error, but at this time have no override code to fix. In the mean time we sold our home and now have no home to go to. XXXX has literally left my family with no home to go to because their underwriting system is incorrectly pulling the update of XX/XX/XXXX as if we had new lates. Common sense if the short sale was completed XXXX/XXXX/XXXX there is no way new lates could happen on the same account years later. I also have a letter from Chase confirming along with credit report. 

I 've been dealing with Chase executive office since XX/XX/XXXX and no one has been able to fix. Each person has said they are on it and never get back to us. Reps at XXXX are absolutely awful and the rudest most unprofessional people I 've ever spoken to. One of the ladies told me that they are aware of the issue, it will get fixed during a release and next out of her mouth in an irritated tone was anything else mam. They refuse to let you speak to a supervisor and refuse to escalate the issue. 

XXXX XXXX XXXX Chase Executive XXXX XXXX XXXX ext XXXX
Consumer complaint received 2018-04-05
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (OR)

Repeated phone calls by XXXX XXXX XXXX requesting payment of student loan debt. Last phone call was on XX/XX/2018 at XXXX pm, PST and asked to call back to XXXX.
Consumer complaint received 2021-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

Bank Name : Wells Fargo Bank Claim Number : XXXX Issue : Multiple Fraudulent Charges on my Business Debit Card On XX/XX/2021 I placed multiple calls informing Wells Fargo Bank of fraudulent charges on my Bank Account. I filed a claim with the agent on the phone regarding the fraudulent charges on my Bank Account for over $ XXXX The claim number is XXXX. 

My Cellphone & Debit Card was stolen the previous day XX/XX/2021 and multiple fraudulent transactions were made on my Bank Account. 

I immediately locked my Bank Account as soon as I noticed the fraudulent transactions and also went ahead to file a report with my Bank informing them of the Fraudulent charges. 

As noted by Wells Fargo there's a {$0.00} liability charge for fraudulent charges made on a Debit Card. 

Since I didn't make those charges I'm asking that Wells Fargo reimburse me my money totaling over $ XXXX back to my Bank Account XXXX 

So far Wells Fargo has refused to reimburse me my money back to my Bank Account. 

Instead Wells Fargo is trying to pass unto the customer the liability resulting as a result of a stolen debit card resulting in multiple fraudulent transactions on my Bank Account. 

I'm now asking that the Consumer Financial Protection Bureau intervene and enable me recover my funds totaling over $ XXXX from Wells Fargo XXXX 

If the office of the Consumer Financial Protection Bureau is unable to assist me, I'll be taking Wells Fargo to a small claims court to recover my stolen funds.
Consumer complaint received 2022-03-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (UT)

Today, the XXXX of XXXX, Chime bank sent me an email notifying me that it was no longer in their interest to do business with me and that they had gone ahead and closed my checking account, credit builder account, and savings account- specifically stating that none of my funds would be reimbursed or paid out to me in any way. This was right after I made an {$800.00} cash deposit at a XXXX, and I am scheduled to receive my lease deposit of {$1200.00} tomorrow. 

Simply put, Chime has stolen from me and abruptly closed my account. If I had done this to another individual, I would be charged with theft and put in jail.
Consumer complaint received 2021-06-30
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)

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 
I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 
It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine
Consumer complaint received 2018-09-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (NY)

Hello, I have been in touch with XXXX on several occasions in regards to repaying my student loans. When I contacted a Consolidation Representative on XX/XX/18, I was informed that my loans were eligible for REPAYE, especially since I am a XXXX XXXX XXXX. I was quoted a repayment amount of {$740.00} for the entire amount that I owe, including Parent Plus loans. I received correspondence from them not too long ago indicating my monthly payments were over {$1800.00}. I called to find out why yesterday. The first representative I spoke to in the early afternoon told me that since I included my parent plus loans in the consolidation, I was ineligible for REPAYE. He offered that the loans could be reviewed and that I could combine mine with my husband 's which would result in a lower payment. My husband contacted XXXX later in the day and was told that this was not possible. I called last night and it being not possible was confirmed by a Supervisor. I was told it can be reviewed since it affects our income and there was a possibility it would change my monthly payments but probably not by much. I was informed during both phone calls that an another option would be to file my taxes separately but can't understand why this was mentioned to me at such a late date. Please keep in mind that I have been contacting XXXX in regards to my extremely high debt since XXXX. The repayment plan they assigned me basically is 20 % of mine and my husband 's income and takes no consideration into our bills, his student loan payments, etc. They advertise options to help people who have difficulty paying but to date it appears the only options are to defer which only incurs more interest and debt.
Consumer complaint received 2020-10-13
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. (FL)

THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMONE USED MY SOCIAL AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX sent me an email stating XXXX XXXX XXXX SENT A STATEMENT my credit card statement decreased by {$34.00}. In XXXX I paid off my {$34.00} credit card. I have NEVER MISSED A PAYMENT. The last payment was XX/XX/2020 for {$19.00}. I was penalized 5 POINTS for paying off my credit card on time. My credit score decreased 5 points from XXXX to XXXX. I have a CREDIT of {$110.00} on my credit card. Question why did XXXX XXXX XXXX  XXXX Transunion & XXXX  penalize me for paying off my credit card in a legal timely manner? I feel I was discriminated against? 5 points deducted from my credit score for paying off my {$34.00} credit card on time? Please investigate thank you
Consumer complaint received 2017-09-14
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified, invalid accounts must be removed.
Consumer complaint received 2018-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/2018 we asked for a balance transfer for {$1200.00} from credit card XXXX to credit card XXXX. The transfer was done to the credit card ending on XXXX, but the card ending on XXXX hasn't been paid until today. 

The problem is that now I have two balances open, please help us solve this problem, I have contacted the XXXX XXXX that issued the card ending XXXX, they always give me a different answer. I contacted them on XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX, they said that it could take 6-8 weeks for them to pay the other credit card ( XXXX ), the problem is that interest is accruing since then. 

I hope you can help us with this problem. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I fell behind on my payments in XXXX through XXXX off and on. My loan was transferred from Bank of America to XXXX XXXX XXXX from XX/XX/XXXX for the next 12 months to avoid foreclosure. When I made all the 12 months of payments on time as required, Bank of America ( B of A ) retook my loan. About XXXX, or XX/XX/XXXX, I started getting charges on my account with no explanation. I have logged 10-12 hours of phone calls to B of A requesting explanations, but no one can provide an answer. One particular one is the inspection fees, for a period of 2 years at least, B of A claims that when one falls behind on their payments they send an inspector to check that the property is still occupied. I disputed that fact, because there's no public access to the property and the inspector if he or she actually showed up, they should have reported that information to the bank. I have enclosed a letter and notes as I was taking them down when talking to the various associates and followed their instruction on disputing the charges, but I keep going around in circles. Also on these statements are many petty amounts that no associate can explain. B of A doesn't provide an in person associate to help navigate the many questions a customer has and the call center associates are clueless. I have it a brick wall over and over.
Consumer complaint received 2021-06-30
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. (FL)

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 
I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 
It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have a long-standing excellent credit score, with credit monitoring for fraud and ID theft, etc., no debt, all on-time payments and my XXXX score is XXXX. When I went to buy or lease a new vehicle, I was expecting to get the BEST rate possible and for some odd reason, was denied it at the dealer. So I did not get the best rate! 

A week or so later, my " big 3 '' credit reports came from XXXX, XXXX and TransUnion. Although The first two correctly showed my credit score as XXXX, I received a " Notice of Adverse Action '' from TransUnion for XXXX Factor information not available ''? 

I am trying to file a dispute but their website makes it almost impossible and I need to call when I'm busy at work and have no privacy. I attempted the chat feature and after the agent telling me repeatedly she was working on it, I was disconnected! Can you please assist me?
Consumer complaint received 2022-04-06
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. (CA)

I would like to dispute certain information in my file which I believe is possibly Identity theft. This account was opened fraudulently therefore I am a victim of identity theft. The account was opened without my knowledge, consent, or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. This is a strict violation of FCRA Section 605b. Transunion needs to remove the account from my file. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021 I mailed a letter of factual dispute and a copy of my credit reports attached to show the errors. As of today XX/XX/2021 there has been no updates to my Trans union, XXXX or XXXX credit reports. I have found multiple violations and errors on accounts in question without resolve such as different account numbers reporting to each credit bureau, or the lack of an account number, etc.
Consumer complaint received 2020-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Trans Union has failed to delete unauthorized inquires on my credit report. 

The dates are listed : XXXX XX/XX/2019, please remove. 
XXXX XXXX XXXX XX/XX/2019, please remove XXXX XXXX Inquiry XX/XX/2019 is valid. 

XXXX XXXX  there are duplicate Inquires on XX/XX/2019 and XX/XX/2019. Please remove.
Consumer complaint received 2021-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

I deposited my check of {$7800.00} into an atm located at XXXX XXXX XXXX. The machine was buffering and then a red bar came in the atm screen stating that the machine is experiencing issues. It keeps my check but asked me to remove my atm card and printed a receipt. I have contacted everyone from bank manager, to claims, to branch, and everyone is giving me the run around. Please help.
Consumer complaint received 2017-09-14
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: DISCOVER BANK (FL)

I have been a victim of ID theft for almost two decades, I have contacted the company several times and have sent them SOLID INFO as well as the creditors to validate my claims.They continue to deny my claim even though I have sent them everything that shows it should have been DELETED even after being issued a new social security no by the SSA because of my my being so badly compromised.FTC reports, affadivits, police reports, etc.This needs to be resolved immediately XXXX is the primary company that refuses to remove the acct that was opened by someone on XX/XX/XXXX $ XXXX.Acct no XXXX XXXX XXXX XXXX XX/XX/XXXX acct no XXXX XXXX XXXX /XXXX XXXX XXXX XXXX XX/XX/XXXX {$16000.00} All of these fall under the same scenario needs to be DELETED IMMEDIATELY
Consumer complaint received 2018-09-27
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. (IL)

Experian is reporting an account from XXXX XXXX that do not belong to me. Experian refuse to conduct a reasonable investigation into this erroneous reporting from XXXX XXXX. As required under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A, Experian failed to provide me in the dispute results ( XX/XX/2018 ) physical verification of an original signed consumer contract with my Signature on it that 100 % positively verify this account belong to me. Otherwise, anyone paying for reporting services could fax, mail or email in a fraudulent account. 

Experian is reporting a Chapter XXXX Bankruptcy in my public records. I have never file Bankruptcy and I believe I'm a victim of mistaken identity. Once again Experian will not conduct a reasonable investigation other than using their XXXX - XXXX system. They will not provide to me their method of verification that 100 % positively verify this Bankruptcy belong to me. I had a similar situation with another Bureau agency and after an investigation they deleted it from my credit file.
Consumer complaint received 2017-11-07
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (IN)

I am receiving non stop robo calls leaving messages on my cell phone and now work phone. My work phone is a XXXX phone so it also records all the calls/messages and forwards them to a shared email. They have been asked to stop and simply mail me the bill. But instead of doing as asked they continue to call my place of employment nonstop. I am considering contacting our legal department as these are medical bills so they can stop trying to intimidate and threaten me in this manner.
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF THE WEST (UT)

Bank of The West is reporting innaccurate lates on my credit file. The lates are for XX/XX/XXXX and XX/XX/XXXX. I made my payment online & it kept giving me an error even though it said it went through. So, I called you guys to confirm, after waiting on hold for over an hour for a representative they told me they didnt see a payment & they took my payment over the phone! This is not my fault and I am not sure what is going on over there, I gave all my personal info for the payment to your representative, why wasnt it set up? Were they working from home & now they have my info? Please remove this late.