davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I went to Bank of America in XXXX, CA  to cash a check for {$500.00}. I was told that they could release {$200.00} cash and out a hold on the remaining amount. The money that was on hold was never received. I contacted the branch on several occasions and was told that I took the check back and that they didn't have a record. I was directed to the fraud department and was advised that they could see that a transaction did take place, but they were unsure as to what it was. I spoke to the branch again, and they even told me that they didn't give me {$200.00} from the check. I contacted the owner of the check and received a copy that the check had been cashed. I took a copy of the cleared check to the bank and mysteriously, the branch manager XXXX XXXX said he sees 3 transactions but can not confirm how much money was released from the check. The same check, that he denied me cashing, prior to me showing a copy of the check clearing the check owner 's account. He also stated that he has the transaction history, but could not release that to me He did confirm that there was a hold on the funds in transaction # 2 that there was a {$300.00} hold. But on transaction # 3 they gave money but doesn't know how much but he is assuming it was the whole {$500.00}. At this point, they can not prove they money they gave me and the are refusing to provide me with the transaction details. What the bank has is not what is available online or what their fraud department is available.
Consumer complaint received 2023-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

I am writing to formally complain and claim about the denial of my request for the removal of Private Mortgage Insurance ( PMI ) on my mortgage account with LOANCARE As a responsible borrower, I have diligently met all the necessary criteria for PMI removal, as outlined in the Homeowners Protection Act ( HPA ) and the terms of my mortgage agreement. Despite this, I was informed on XX/XX/XXXX  that my request for PMI removal has been denied AGAIN after 6 years in a row demanding this removal on the grounds of late payment last 6 months and XXXX 80 % due to XXXX stop payment this company raised mortgage payment and loan without notice, agreement or any legal reason to do so.. 

However, I strongly believe that this denial is unjustified for the following reasons : Meeting Loan-to-Value ( XXXX ) Requirement : According to the terms of my mortgage agreement and the HPA guidelines, I am eligible to have PMI removed once my loan-to-value ( XXXX ) ratio reaches 80 % or less XXXX As of XX/XX/, my XXXX ratio is LOWERS 70 %, which satisfies the requirement for PMI removal. 

Timely Payment History : I have consistently made on-time mortgage payments for. My timely payments have contributed significantly to the reduction of my outstanding principal balance and subsequently, my XXXX ratio. 

No History of Default : There is no history of default, or any other significant negative events related to my mortgage account. I have demonstrated financial responsibility and commitment to fulfilling my obligations as a borrower. 

Home Value Appreciation : The value of my property has appreciated considerably since I obtained the mortgage. This appreciation, coupled with my regular mortgage payments, has contributed to the reduction in my XXXX ratio. 

Given these reasons, I am confident that I have met all the criteria necessary for PMI removal, and I request that LOANCARE reconsiders its decision and promptly removes the PMI from my mortgage payments. 

In accordance with the HPA, I expect a written response to this complaint within 30 days from the date of receipt of this letter. Your response should provide a detailed explanation for the initial denial and the steps taken to rectify this situation. Additionally, I expect a clear timeline for the PMI removal and the subsequent adjustment of my mortgage payments. 

Please direct all communication related to this complaint to the address provided. I am prepared to provide any additional documentation or information necessary to support my claim for PMI removal. 

Failure to address this complaint in a timely and satisfactory manner may prompt me to seek appropriate legal recourse and report this matter to the relevant regulatory authorities. 

Thank you for your immediate attention to this matter. I trust that you will uphold your commitment to fair and responsible lending practices by resolving this issue promptly. 

Sincerely,
Consumer complaint received 2020-06-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (OH)

I was having financial trouble and a loan company placed a levy on my PayPal Account. Once I paid the loan company off, their attorney and I have made several attempts to have my PayPal account freed of any restrictions or limitations. We both have provided copies of the attorney 's statement to release the levy ; we have done this TWICE! PayPal has still refused to acknowledge it. The attorney, XXXX XXXX, has has tried calling the PayPal legal department on different occasions and can not get through or a return call. i have money in my PayPal account that I can not access, as well as I need to access other things with it. I have went through the Resolution Center so many times and each time I get someone who gives me a phone number to call to resolve the issue. That phone number is for XXXX XXXX, the attorney who is trying to get them to abide by his release, it's not even with PayPal! They also refused to email me a transcript of the messages. They don't listen, and I am frustrated!!! Please help! 

Thank you, XXXX XXXX XXXX PayPal username : XXXX XXXX : XXXX
Consumer complaint received 2019-06-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc. (OH)

I applied for a loan, which I already have a loan with, and they told me it would not affect my credit score and offered me a low rate after I entered my income of XXXX. I have a XXXX and a XXXX and they told me after they approved my loan that they could only count one of  my income, therefore dopping my income down to XXXX, XXXX therefore forcing me to take a higher interest rate, mush higher than the one ai current ly have with them. and my credit report was dinged for nothing. This is a bate and switch. These are illegal sales practices.
Consumer complaint received 2022-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

1. XXXX XXXX XXXX Account Number : XXXX Bal : {$1500.00} 2. XXXX XXXX XXXX Account Number : XXXX Bal : {$79.00} 3. XXXX XXXX XXXX Account Number : XXXX Bal : {$54.00} 4. XXXX XXXX XXXX Account Number : XXXX Bal : {$200.00} 5. XXXX XXXX Account XXXX : XXXX Bal : {$150.00}
Consumer complaint received 2019-06-07
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. (MA)

I was offered a 0 % balance transfer from my XXXX XXXX XXXX. I replied to transfer my XXXX  card balance of {$730.00} on XX/XX/2019. My XXXX  account was charged the {$730.00} on XX/XX/19. My XXXX account was never paid the {$730.00}. I sent a message on XX/XX/19, and received a reply on XX/XX/19 that it takes 14-21 days to transfer. I sent another message on XX/XX/19 asking where the money was since I was charged on my XXXX for the {$730.00} transfer but it was never paid to XXXX   yet. I sent another message on XX/XX/19 asking again where is the money? I then called their Comenity Capital Bank consumer care department on XX/XX/19 spoke to XXXX  and was told they will look into it. I received a message on XX/XX/19 saying they are working on it. I just sent another message on XX/XX/19 asking where the money is ... .... I just checked my XXXX account XX/XX/19 and it has never been paid. The XXXX  statement on XX/XX/19 came in and I got charged interest of {$15.00} which should never have happened. It should have been paid by XXXX in the balance transfer request from XX/XX/19. Someone needs to be accountable.
Consumer complaint received 2022-08-04
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2019-06-07
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: EQUIFAX, INC. (MN)

I have disputed the late payment status reported on XXXX XXXX XXXX, XXXX XXXX ', XXXX XXXX with the credit bureaus for several attempts, to no avail.. They did not give me evidence or verification as to why they will not overturn the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2020-06-17
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 (MN)

On XX/XX/2016 my paid off balance of {$180.00} dollars did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. The company never notified me of the rejection and gave me this late payment. I now can not get a Bridge Loan for my business because of this mark on my credit and the company will not help me with this unfair situation!
Consumer complaint received 2019-06-07
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: Experian Information Solutions Inc. (KY)

I have disputed the late payment status reported on XXXX  XXXX, XXXX   XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX with the credit bureaus for several attempts, to no avail.. They did not give me evidence or verification as to why they will not overturn the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2019-06-07
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: Experian Information Solutions Inc. (ID)

Please reverse the late payments reported on the following accounts : DPT ED/XXXX XXXX, DPT ED/XXXX XXXXXXXX, DPT ED/XXXX XXXX, DPT ED/XXXX  XXXX, DPT ED/XXXX, DPT ED/XXXX  XXXX, DPT ED/XXXX XXXX, XXXX XXXX XXXX XXXX. Accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2020-06-17
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: REVERSE MORTGAGE INVESTMENT TR (NC)

To Whom It May Concern : My name is XXXX XXXX, I am the daughter-in-law of the late XXXX XXXX XXXX and XXXX XXXX XXXX. I would like to file a complaint against Reverse Mortgage Funding. This company is supposed to help senior who need help with their mortgage, not in my book. Yes, my in-laws did take out this loan. My complaint is not about the issue of the loan, but is that I don't understand how they were told to pay homeowner 's insurance and property, which they did. When Mrs. XXXX receives her monthly statement, it has where Reverse Mortgage have been paying the homeowner 's insurance and property taxes. 
We are aware of the federal privacy laws, and that Reverse Mortgage Funding could not provide information regarding this account. On XX/XX/XXXX, my mother-in-law wrote a letter on my behalf to allow me to talk to them regarding her account. She also gave me permission to speak with someone with Reverse Mortgage, and as of today, XX/XX/XXXX, no one has yet to call her regarding this account. When my mother-in-law receives her statement there is {$14000.00} in an escrow account. When my husband, XXXX called and spoke to a representative regarding the account, they told him the {$14000.00} was like a ghost! Well, we do see it! It is on the statement, then someone should have called and spoke to my mother-in-law about the situation. It's like they are waiting for her to die, and take her home. Is this truly the American way of living! 
My problem with Reverse Mortgage Funding is that this company is not doing what the commercial is advertising. As I have stated to the XXXX XXXX XXXX, I am willing to go to XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX with my complaint.
Consumer complaint received 2019-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

What in the world is happening here that my concern was not attended by Transunion!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX,
Consumer complaint received 2019-06-07
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. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-08-15
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: EQUIFAX, INC. (AL)

accordance with the Fair Credit Reporting act Bankruptcy, 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 I submitted a dispute on XX/XX/2022, the company responded with statement of inaccuracy, my dispute was not about accurate it was my right to privacy and furnish account without my written instruction.
Consumer complaint received 2019-06-07
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: Experian Information Solutions Inc. (TX)

I have disputed the late payment status reported on XXXX XXXX XXXX   XXXX***** with the credit bureaus for several attempts, to no avail.. They did not give me evidence or verification as to why they will not overturn the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2019-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Opened Citizens Checking account on XX/XX/XXXX. 
Offer on Citizen 's website said {$400.00} bonus if deposited {$1000.00} within 60 days. 
{$1000.00} deposited on XX/XX/XXXX ( 59 days ). 
Offer said {$400.00} bonus paid within 90 days of deposit, which means {$400.00} should be paid by XX/XX/XXXX. 

As of XX/XX/XXXX bonus still has not been paid. 

Plus, they've charged {$25.00} in monthly fees ( I can not downgrade the account until they pay the bonus ). 

Requesting {$50.00} credit for monthly fees, plus {$400.00} bonus paid.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

XXXX XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.
Consumer complaint received 2024-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (KY)

Why is this on my credit report i cant locate it..based on my research, XXXX-XXXX  sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. Chapter XXXX Bankruptcy Discharged XXXX
Consumer complaint received 2019-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have sent notices to XXXX, Transunion, XXXX about reporting a collection without no proper validation that it belongs to me or that I have a legal obligation to pay this money to this collection company. I have requested from all 3 Bureaus valid documentation that I am legally responsible to pay said collection company which they all have not furnished or obliged my request but still continue to report this on my credit report.
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Carvana Group, LLC (GA)

I never authorized this company to do a hard pull on my credit. I was told there would be a soft pull on my credit by a third party but I never spoke to a representative of this company myself.
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please remove the security alert. ( Fraud Alert ). I need to buy a car but there is an alert on my credit report that makes me difficulty to the buy a car or open credit card. please remove this. thank you.