davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (UT)

I 'm having trouble removing PMI from my mortgage. I have met the conditions that were provided to me by my mortgage company ( 20 % equity based on most recent appraisal as well as not late payments ).
On XX/XX/XXXX I received a letter stating the criteria for removing PMI ( which I meet ) and then they state that they were unable to approve my request because I do not meet the two-year seasoning guidelines. The letter provided no explanation about what this meant. When I called the rep said that I needed to have had the loan for 24 months in order to remove PMI. I 've had the home for three years now and refinanced a little over a year ago. Until my request to remove PMI I had not ever heard of a 24-month requirement in order to remove PMI.
I 'm frustrated with this decision to not remove my PMI. I feel that I 've met all the criteria that were presented to me when I refinanced and when I asked freedom mortgage how to remove PMI. When I asked what I could do they told me that PMI would be removed in XX/XX/XXXX. I find this unacceptable and deceiving.
Consumer complaint received 2015-11-30
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UMB FINANCIAL CORPORATION (WA)

I have an Health Savings Account which I learned was managed by UMB Bank. 

In XXXX, I wanted to use the remaining balance in my HSA fund. 
I pulled up my HSA account website to verify the amount, which was {$18.00}. 
I used that exact amount for a medical bill. 
Afterwards, I received an overdraft bill from UMB Bank stating that my balance was below {$18.00} and applied a {$25.00} NSF fee. 
I called to inquire why my balance was below {$18.00} and why it was different from what the HSA account website displayed. 
UMB Bank told me that there was a monthly service fee that they incurred, which I was unaware of. I do not recall receiving any document regarding this " monthly service fee. " This monthly service fee is what reduced my balance below {$18.00}, thus generating the overdraft scenario. 
At that time, my balance from UMB was negative {$33.00} and still incurring monthly service fees until I close the account. 
This started around mid XXXX and now my balance is - {$36.00} due to add'l monthly service fees until I close the account. 

As a consumer, I feel like this is terribly unreasonable as the information I had always used to verify my balance was inaccurate and I was not aware of the monthly service charge which caused the overdraft scenario. 
UMB Bank has been unhelpful and dismissive when I try to contact them to fairly resolve this issue. They 've just demanded payment or else they will keep incurring the monthly service charge. 

XXXX
Consumer complaint received 2021-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/21 a fraudulent charge of {$190.00} was made on XXXX using my Chase Freedom credit card, I contacted Chase the same day the charge was made and was assured the charge would be removed. The {$190.00} was removed the same day and I was issued a new credit card with a new number ; however, this same charge from XXXX appeared on my statement almost 3 months later on XX/XX/21 and I was not notified by Chase of this recharge nor did they agree to remove the charge based on my statements. 

Further attempts to contact Chase to resolve this charge have been time-consuming and frustrating, they do not seem interested in removing the charge and the agents that handled my calls seemed more interested in getting me off the line as quick as possible. The case is clear : the charge was NOT made by me, the charge had already been removed and the old card had already been closed, there is absolutely NO reason why someone should expect a 3-month old FRAUDULENT charge from a credit card they already closed. I want this charge removed as soon as possible and Chase needs to take better care of its customers.
Consumer complaint received 2020-08-21
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 HAVE REVIEWED MY CREDIT REPORT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-07-20
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. (MO)

I disputed XXXX XXXX on XXXX XXXX as this was an account that was included in my bankruptcy. XXXX sold this to the collection agency after I had already had a XXXX collection agency removed in XX/XX/2020. This is not owed. I have disputed with XXXX and both collection agencies and they still reported it.
Consumer complaint received 2017-06-02
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. (MO)

XXXX   refused to honor my request to delete the fraudulent information after I supplied all of the documents that they required.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX       XXXX   XXXX    XXXX  PLEASE DELETE    XXXX   XXXX    XXXX  PLEASE DELETE    XXXX   XXXX   XXXX    XXXX  PLEASE DELETE    XXXX   XXXX    XXXX -PLEASE DELETE   XXXX   XXXX    XXXX  DELETE  XXXX   XXXX   XXXX PLEASE DELETE  XXXX   XXXX  &  XXXX PLEASE DELETE   XXXX   XXXX     XXXX PLEASE DELETE   XXXX   XXXX   XXXX    XXXX  DELETE  XXXX    XXXX    XXXX -PLEASE DELETE   XXXX   XXXX  PLEASE DELETE  XXXX   XXXX  DELETE  XXXX   XXXX  PLEASE DELETE EQUIFAX  XXXX    XXXX   XXXX     XXXX  PLEASE DELETE   XXXX   XXXX    XXXX -PLEASE DELETE   XXXX   XXXX     XXXX  PLEASE DELETE
Consumer complaint received 2022-09-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Fidelity National Information Services, Inc. (FNIS) (NV)

Several weeks ago I applied for a credit union checking/savings account which caused them to check my credit with Chxsystems. Chxsystems reported a problem with a XXXX XXXX  account which had returned a check for {$1400.00} because it was fraudulent. My account was declined. I called Chxsystems to report that I don't have an account with that bank and am unaware of this transaction. They investigated and subsequently reported they removed the incorrect information however it is still being reported. Subsequently I received a notice from XXXX XXXX  ( result of merger with XXXXXXXX XXXX in XXXX ) reporting this {$1400.00} transaction was " charged back '' + {$10.00} for handling and they included an image of the returned check with the return reason as altered/fictitious. The image is of what appears to be a check for {$1400.00} from the Treasury Department and it is noted to be an " Economic Impact Payment. '' I spoke with XXXX Bank who referred me to XXXX XXXX  who referred me to some entity called XXXX XXXX Bank. Today, I received a second notice from XXXX XXXX  for a charge back for {$4800.00} plus a {$10.00} handling fee for a check from XXXX XXXX XXXX. None of these banks would offer any assistance with how to close an account I never opened or how these fraudulent transactions can be removed from my credit report.
Consumer complaint received 2020-08-21
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NC)

Comenity Bank closed my XXXX XXXX Credit Card on XX/XX/2020 without pre-notification and without notifying me of the closure after the fact. The reason they gave was inactivity. I was only notified of the closure when I received an alert that my credit score had dropped due to the account closure. I am in the process of selling my home and purchasing a new one and this drop in credit score will severely affect the rate I am able to receive on my next mortgage. 
I spoke with two individuals at XXXX credit agency that told me there is nothing they can do to reverse the adverse impact on my credit score. They are simply on the receiving end of the account closure. 
I then reached out to Comenity Bank. My issue was escalated to senior customer service representative XXXX ( ID # XXXX ). He confirmed that they did not notify me via email or mail before closure or after closure. He also confirmed that there was nothing that they could do to reopen the account or provide anything in writing to me or the credit agencies about this account. I was clear with him that my next step would be to file a complaint with the CFPB.
Consumer complaint received 2018-06-29
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. (IN)

My identity was compromised while on XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX. There are several items of fraudulent accounts that are being reported on my Experian file. Please see the attached ftc reports. I need the items on the report removed immediately.
Consumer complaint received 2022-09-13
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. (FL)

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX and XXXX. 
This has caused me tremendous XXXX XXXX, and financial hardship.
Consumer complaint received 2022-01-06
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To : Transunion, XXXX and XXXX I am writing this formal letter to inform you that there are a few medical collections accounts on my report that have inaccuracies. And not only does it contain inaccuracies but the accounts and the Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX and Third Party Creditor XXXX XXXX have violated several consumer laws which I will disclose what statute has been violated. Transunion, XXXX and XXXX has also violated several consumer laws. 

But this will be a notorized document and this will be the final notice to request These accounts numbered XXXX and XXXX attached to this letter to be deleted from the file. If these accounts are not deleted a lawsuite will be filed against you.
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-11-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (TX)

I have no idea what this collection is regarding. They called me and said they had a PO Box and I told them that I have never owned a PO Box . Then they asked me for my mailing address and I told them if that debt was mine they should have it. I believe that this is not my debt and would like this removed. I asked them to validate it and I have yet to get validation.
Consumer complaint received 2021-11-03
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. (TX)

This account is reflecting on my consumer report as a " collection '' for {$1300.00} as well as a " charge-off '' with a {$0.00} balance. This information is inaccurate and I would like it removed from my report.
Consumer complaint received 2020-08-21
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. (TX)

CFPB, regulators, national law offices and consumer advocacy groupsplease help!! 

I have given Experian a current copy of my credit report, that can be opened, that specifies what items I am disputing. 

Experian is claiming they can not open that file given to them. They response by saying they will be instead be mailing me a new report so I can start a new complaint with that report and that I should specify what items I am disputing. 

There is no need to do that because I already have my most recent credit report, I have already specified which items I am disputing, and the complaint totality has already been assembly. 

Experian, according many consumer online boards complaints, is being difficult in starting a dispute, outright refuses to start one or is simple ignoring a complaint by providing a bogus reasons such as the one given to me on my closed CFPB complaints. 

XX/XX/2020 CLOSED BY EXPERIANNO ACTION TAKEN Complaint No. XXXX and XXXX XX/XX/2020 CLOSED BY EXPERIANNO ACTION TAKEN Complaint No. XXXX and XXXX EXPERIAN IS NOT BEING PROPERLY REGULATED TO ENSURE CONSUMER PROTECTION, AS SUCH, THEY HAVE SUCH A XXXX RESPONSE ON CONSUMER COMPLAINTS. 

Please help. 

Thank you XXXX XXXX
Consumer complaint received 2018-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

There is a wrong address on my personal file. Which I had contacted Equifax to have removed back in XX/XX/XXXX. The address is XXXX XXXX XXXX, XXXX, OH XXXX I have never lived there at all. I would appreciate it to have it removed.
Consumer complaint received 2017-01-26
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

This debt is not mine. I 've been disputing this since it was with Springleaf in XXXX of 2009. 7 years later it 's been sold off and has restarted. Please remove.
Consumer complaint received 2018-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On XX/XX/2018, I was victim of fraudulent activity on my account. 
I will take you through what happened, what the process has been, and why I am sending this complaint to you. 
I received a phone call from a Huntington representitive asking if I had made some large purchases at XXXX and XXXX XXXX ( in another state ). I told him no, I do not shop there/live there and did not approve or make those charges. 
He told me he would close my debit card, and that the charges were still pending and would not go through. Later that night, I checked my bank account, and I had {$0.00} in my checking account. More charges had been made and not caught, or my account was never shut down like the rep said on the phone. 

The charges are the following : XXXX XXXX XXXX XXXX XXXX - {$490.00} XXXX XXXX XXXX XXXX XXXX - {$670.00} XXXX XXXX # XXXX XXXX - XXXX None of these purchases were made or approved by me. These purchases drained my checking account entirely, and started drawing money from my savings account. 

From XX/XX/XXXX, to XX/XX/XXXX, I have been calling/chatting online daily with Huntington to try to track progress of this fraudulent activity, and to find out when I could expect my refund. I was initially told 5-10 days. When I called last Thursday ( XX/XX/XXXX ), I was told the money should be in my account on Friday, XX/XX/XXXX. It was never deposited on Friday. So I called again on Friday, and I was told to look out for the refund on Monday, XX/XX/XXXX. When I got in touch with a representitive today ( XX/XX/XXXX ), I was told the case was denied and closed ... that a letter was sent to me explaining the reasonings. 

This is absolutely unacceptable. I have been a loyal customer at Huntington Bank for over 10 years. 

I had to switch over a bunch of money from my savings to my checking to cover my bills and rent. I go on a big vacation in a few days and now I am out {$2500.00} that is rightfully mine and am being refused. I now have serious doubts about your internal research team and their efficiency. 
If they were to really look at my account, they would obviously see I am cautious with my money and have no prior history of randomly spending large amounts, or draining my own checking account, or even overdrawing. 

Huntington has apparently re-opened the case and they are investigating it again. But this could take up to 90 days and I have a feeling nothing is going to change with the case so I am taking every action I can to get my money that I worked very hard for, refunded back to me.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MicroBilt / PRBC (formerly CL Verify) (VA)

I recently became aware of the PRBC / MicrobiltConnect credit reporting agency, and attempted to request my credit report and issue a freeze. 

Accessing my credit report required me to create an account, which automatically subscribed me to credit offers that I did not want. 

Contrary to the FCRA and the 2018 Public Law 115174, MicrobiltConnect has not established a website where a consumer may establish a security freeze ( Title III, Sec 301, 6-A-i ). This was confirmed both by support and by phone call ( see attached audio recording ).
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

XXXX ; Experian and XXXX  should not be reporting that I am ( 120-150 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report, as well as a copy of my Drivers License and SSN card for identification purposes to proceed with investigating this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2017-07-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

I recently reviewed my credit report and say that Commonwealth Financial Systems is negatively reporting a debt that was previously removed by the credit bureaus for the past year. Now Common Wealth Financial Systems is reporting the {$200.00} debt again stating that it was just opened on XXXX XXXX, 2017. This is a common illegal practice of to try to re-age old or removed debts and I have become their victim again. I was not properly notified by mail five days before Commonwealth Financial Systems about the debt before reinserting this onto my credit report and I would like it removed immediately. My XXXX credit score has been drastically reduced because of their ill practices and its all because Commonwealth Finanical Systems is practicing unjust collection attempts. This is not fair that I have had to send countless of letters to the bureaus and even recently to remove this erroneous dent and I decided to use my consumers rights and ask for the assistance of the CFPB.
Consumer complaint received 2017-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

i have been disputing these accounts reporting on my credit report since i pulled my credit report on XXXX 2016. i have submitted several disputes to the credit bureau about these accounts do not belong to me. They keep submitting response back that they have validate these accounts. I have requested over Several times for them to send me verification as to how they validated these accounts were mine and accurately? I have requested documentation of my signature on these inaccurate accounts, if they can not provide that then to delete these accounts from my credit report. The FCRA requires that all credit reporting bureaus are supposed to verify before this information is added to your credit file. I have asked on numerous attempts for them to provide me documentation showing i signed and agreed and they have not provided me these methods of verification saying they have verified these accounts as accurate.