davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (FL)

I am attempting to have the PMI removed from my home loan. ServiceMac Mortgage Servicing Company is requiring me to sign an application by which I am required to agree to pay any amount they chose to charge me, for an appraisal of the property by any company they choose after the appraisal is completed. I refused authorize the company a no limit charge of any amount it saw fit and added an addendum to the application. I application was subsequently denied. I believe this is an unethical and unlawful requirement. I have no choice as to who services my loan.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2022 I informed the CRC 's TRANSUNION, XXXX, AND XXXX that they were furnishing information on my consumer report that is indeed a result of identity theft. Each CRC has failed to adhere to the federal laws one of which is to block information resulting from identity theft within 4 business days of notification.

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of
Consumer complaint received 2022-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (WI)

A third-party debt collector purchased a debt that doesn't belong to me. I notified them that it was not my debt and I disputed it. On XX/XX/XXXX, the company filed a suit against me in the state of Wisconsin for the amount of {$17000.00}. The company claims to represent the original creditor, yet has provided no contract, or affiliation agreement showing proof of this claim. The company has also failed to provide me with a contract containing my signature, which they claim to have. On two separate occasions, on XX/XX/XXXX, and XX/XX/XXXX, both via certified mail, I've requested this contract. I am now going through litigation and court proceedings as a result.
Consumer complaint received 2022-03-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Keynote Consulting, Inc. (IL)

This company, and XXXX XXXX XXXX XXXX agreed to remove a debt from my credit file and then turned around and sued me illegally your records will show this as they agreed on XXXX XX/XX/2021 to resolve the matter and they illegally used XXXX XXXX XXXX to file a lawsuit in the state of Illinois and XXXX XXXX. 

I do not live in the state in which they filed the bogus and illegal lawsuit I reside in another state and Im a registered voter of another state with a valid drivers license and home address in another state, I was not served with a lawsui in the state of Illinois because I do not reside in Illinois I have.not lived in Illinois for 6 years and I have proof that I live in another State and there is no way possible to serve any type of lawsuit on me because I do not reside in that state and never will live there. This illegal practices and lawsuit has caused an alarm at the property and they are responsible for the sheriff and a debt processor to disturb the neighborhood by looking for me and I do not live at that address the neighbors are terrified that people are showing up all through the day and night trying to serve a lawsuit on an address that I do not reside. This is calculus and ignorant at best.
Consumer complaint received 2022-03-30
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Halsted Financial Services, LLC. (CO)

On XX/XX/2022 Halsted Financial Services LLC, contacted a relative of mine via email to try to attempt to collect on an alleged debt of mine they had bought from the original creditor. They disclosed all my information including dates and amounts owed by me to this relative that is not my spouse or myself which is a violation of the law.
Consumer complaint received 2022-08-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Consumer complaint received 2022-03-29
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)

Upon recently viewing my consumer report I noticed many inaccuracies. On XX/XX/2022, I XXXX XXXX sent via certified mail to Experian, XXXX and XXXX letters asking them to please delete all old and previous items from my personal history for fear of identity theft and to remove all old employment and education history. 

I've only received a positive response from XXXX, who removed the old information and used the current information I provided. I feel like I'm being taken advantage of, and my disputes ignored by XXXX and Experian. 

FCRA 611 ( a ) clearly states failure to investigate the items within 30 days give reason to immediately delete the items from my consumer report. Its my right as a consumer to have proper, current information on my report. 

I demand old, irrelevant personal information be deleted immediately, or I will file for litigation due to the stress Ive undergone for fear that my information may fall into the hands of the wrong person creating further anxiety.
Consumer complaint received 2022-03-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: NAVY FEDERAL CREDIT UNION (TX)

My ATTEMPTS have reoccurring with with XXXX XXXX XXXX XXXX  concerning refunds to watch XXXX  XXXX XXXX total of {$400.00} that were claimed to be fixed mis spells my name to host an discrimination or retaliation reprisal from claiming no records on file the watch was purchase at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas your assistance in this matter for corrective action refund an audit my credit card account to fix this issue now there's another issue Prentice simultaneously Navy Federal Credit Union credit card my monthly balance should have never show {$200.00} over and I'm not used to card link to prejudice and he didn't paperwork documents sent and claimed they never received I got proof it was accepted the new corrective action made
Consumer complaint received 2022-03-30
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. (DE)

I XXXX XXXX XXXX XXXX received a copy of my consumer report and noticed unauthorized inquiries and fraudulent accounts on my consumer report. These accounts are hurting my reputation and hindering me from getting a second job and going back to school to support my family. Im stressed because my consumer profile is vital in todays world, I cant get a second job to support my family due to these fraudulent accounts and unauthorized inquiries. I filled out an Identity Thief report see enclosed.
Consumer complaint received 2022-03-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NJ)

I used to be a user of Paypal and they just suspend my account without any reason from XX/XX/2021 and freeze my balance to withdraw. Per their message, they will keep my balance up to 180 days. So far, I didn't get any notice how to restore my account or get back my money in account.
Consumer complaint received 2022-03-30
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. (DE)

I XXXX XXXX XXXX XXXX received a copy of my consumer report and noticed unauthorized inquiries and fraudulent accounts on my consumer report. These accounts are hurting my reputation and hindering me from getting a second job and going back to school to support my family. Im stressed because my consumer profile is vital in todays world, I cant get a second job to support my family due to these fraudulent accounts and unauthorized inquiries. I filled out an Identity Thief report see enclosed.
Consumer complaint received 2022-03-30
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-03-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (AZ)

On XXXX I was checking my credit score and noticed a steep decline in my score. When I looked further I noticed a collections account that I was not aware of. Upon further review through experian, I saw that the collections account was from XXXX that was opened on XX/XX/2021 in the amount of {$660.00}. I have never received notification via mail of any balance due to XXXX. I have never received a phone call regarding a balance due to XXXX. I have never received any written or verbal communication from CREDIT COLLECTION SVCS regarding a collections balance. This debt has tarnished my credit score and has future negative implications on any future financial purchases. Prior to this, my credit score was well above XXXX and it currently is showing below XXXX. I am formally requesting assistance in clearing the collection and ensuring that all laws with respect to fair debt collection practices ( FDCP ) were followed by XXXX and Credit Collection SVCS.
Consumer complaint received 2022-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

The Credit Union 's information : SchoolsFirst Federal Credit Union - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX On XX/XX/22, I contacted SchoolsFirst Credit Union regarding unauthorized transactions totaling {$5700.00} of over 20 transactions of a few hundred from XXXX and appealed for a fraud claim. 

On XX/XX/22, I was contacted by XXXX from the fraud department and was asked questions if I was involved in an online scam where I had given away my information, but I told her I was not involved in anything XXXX. I told her I lost my wallet at work before, but that it happened over 1-2 years ago and the charges just came recently from XXXX which I had never used. I was then told I would receive provisional credit in the meantime as the investigation was ongoing. 

On XX/XX/22, I had to contact them again because they haven't replied back in over 10 business days regarding my fraud claim either by phone, email, or physical letter. I was told the fraud claim was denied on the basis that I logged into my online checking account and saw the transactions, but did not report them in a timely manner. 

However, when I pressed them if they had received contact or received any information with the XXXX company, they told me that the process takes time and they had not received anything regarding the unauthorized transactions that went through. 

I believe this Credit Union is under violation of Regulation E as they were pressing me in the interview about my negligence, but I did not do anything stated under Regulation E. 12 CFR 1005.6 ; Comment 6 ( b ) -2. I told them several times they were unauthorized online transactions, but they had closed my claim on the basis of not reporting in a timely manner and for having logged in to my account even though my account is protected and I am signed up for fraud alerts ( which all of these transactions were never flagged as being suspicious ). 

They did not give a reasonable investigation and closed the case prematurely having never worked with the company to solve the issues and also did not formally update me either email or physical letter. Provisional credit was also denied as a result.
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (UT)

I received a letter from Chase Bank that they are closing my checking account and also closing all of my credit cards associated with them. The exact words in the letter state that Chase Bank " decided to close your account because of unexpected activity on these or another Chase account. '' I called their support number and they would not give me any information as to why they are closing the accounts. They would not tell me what the " unexpected activity '' was and they would not give me the option to work with them to resolve the issue that they have. There has not been any unusual activity on the credit cards or with checking account itself. The account they are closing belongs to a business that I have used through them for many years and it is going to cause huge turmoil to move to a different bank. The customer service rep told me that their system flagged me and that I will not be able to open another account with them for myself, my business, or with any other businesses that I have for an indefinite period of time.
Consumer complaint received 2022-03-22
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. (NM)

XX/XX/XXXX XXXX notified me that I had changed my address. I had NOT XX/XX/XXXX received credit card in the mail I had NOT applied for XX/XX/XXXX Credit card company resolved this XX/XX/XXXX Mail is still being returned and forwarded to incorrect address XX/XX/XXXX to present Credit card companies are changing my mailing address to the FRADULENT XXXX XX/XX/XXXX credit reporting agency notified me that a new address is associated with my SS # XX/XX/XXXX credit reporting agency notified me that a new address is associated with my SS #
Consumer complaint received 2022-03-22
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. (VA)

In 2021, I began requesting the validity of my consumer report be investigated by TransUnion as I noticed MULTIPLE inaccuracies being reported. After TransUnion decided to close their " investigation '', they began updating the comments on the report to say and I quote " Account information disputed by consumer, meets FCRA requirements ''. Let 's expand on this, according to 15 USC 1681 which are the " requirements '' TransUnion claims to " meet '', consumer reporting agencies are to exercise their grave responsibilities with fairness and accuracy, if TransUnion was in fact doing this, there would be no discrepancies as far as what is true and what is not by me as the consumer. Unfortunately, while checking my consumer report, TransUnion 's information does not match the information listed on other consumer reporting agencies. This alone, verifies that TransUnion, not only has violated the very act that it claims to have 'met ' but also is demonstrating being willfully uncompliant. I, as the consumer have the right to hold TransUnion liable for each violation listed in their report on me in accordance to 15 USC 1681n ( a ) ( 1 ) ( A ). I am seeking damages for each violation as the inaccuracies listed on my consumer report has prevent me from being able to obtain the necessary funding to take care of my financial responsibilities and the embarrassment I have faced being denied in public for various accounts. I am demanding full reparations for the trouble caused. How can you as the consumer reporting agency state that the accounts that were disputed met the FCRA when they are inaccurate? This proves that you are not in compliance and you do not understand what " meets the requirements '' mean. In the exhibits, you will see that there are duplicate accounts as well ( another violation ). Since 2021, TransUnion has also deleted quite a bit of these items which is also admittance that they were violating the FCRA.
Consumer complaint received 2022-03-30
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX I did not receive any answer from the credit bureau about my disputes. They failed to notate those accounts within 30 days now those accounts are in violation not reporting 100 % accurate. Did not consent to unauthorized inquiry.
Consumer complaint received 2022-03-29
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. (NY)

Im complaint about Experian for having inaccurate information on my credit report I sent XXXX letters to Experian to remove the inaccurate information from my credit report and Experian ignored my disputes and Experian dont want to send me the reports of my disputes or to remove the inaccurate information from my credit report I request to Experian to remove the inaccurate names and addresses form my credit report and Experian is violating the law This XXXX XXXX XXXX company dont want to remove any of the inaccurate information from my credit report they have an inaccurate addresses on my credit report I sent prove and documents of my addresses and even like that they are violating the law ignoring my disputes this abusers of Experian Im tired of sending disputes to this XXXX 
and Experian is saying that this inaccurate information is accurate lying and violating the law I sent my ID and bills with prove of my personal information and this XXXX dont wan to do anything about it Stop XXXX  my credit All this information is inaccurate must be remove it How many XXXX XXXX I have to dispute and dispute my legal right XXXX
Consumer complaint received 2022-06-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: FinCo Services Inc DBA Current (IA)

I was out of state from the XXXX to the XXXX of XXXX. All of the fraudulant transactions happened on the XXXX of XXXX and one shortly before that. I'm reporting it to the ftc cause my bank didn't do anything about it. My account was compromised and the individual logged in and change my admins information and transfered my money to that account then too that persons account and then they transfered my money back.
Consumer complaint received 2022-03-30
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.