davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AMA Advisors, LLC. (FL)

I currently have an open HELOC through XXXX. On XX/XX/year>, I submitted a request for a withdrawal of funds from the HELOC and the website stated that it would take 2-3 business days to receive the funds in my account. On XX/XX/year>, I contacted customer support ( through email only as they do not have a phone number ) as I did not receive funds. I received a reply back ( the same day ) that the designated team was looking into the delay. On XX/XX/year>, I contacted them again as the funds were not in my account and I received a response that it was being investigated with no further explanation. On XX/XX/year>, I did not receive the funds or an email response so I reached out to the company via XXXX XXXX. I received a reply back stating I would receive the funds on XX/XX/year>. On XX/XX/year> I sent another follow up email and a XXXX XXXX message as I did not hear back regarding the delay and funds were still not received. On XX/XX/year>, funds were received but I did not receive an explanation for the delay.
Consumer complaint received 2024-04-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (CO)

I attempted an external transfer through PNCs mobile app. I had a successful message that the transfer processed. However, come to find out there was a hold placed due to fraud triggers and the transfer did not process. There was no notification via email, text, secure message, or call from PNC. Only when I call or go to a specific screen within the mobile app am I advised that there is a hold and that the payment did not process. This is a deceptive and misleading practice to take no proactive measures to notify customers there is an issue and further through the normal process indicate that the transfer is successful.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SG and Associates (PA)

I lost an apartment back in XXXX and the Sherif office seized furniture and items I could not get moved out due to lack of funds and very little to no help moving out. I was at the time making payments for a few items via a company called XXXX XXXX Lost my job and could not pay it back so the account was closed. 6 + years later XXXX XXXXXXXX sold the debt to an agency called STAFFORD GROUP & ASSOCIATES. I contacted XXXX XXXX and was told the debt is charged off and no longer associated with an existing account. I never contacted STAFFORD GROUP & ASSOCIATES nor agreed to pay or schedule payments for the debt. There's no agreement that binds me with this collection company and I'd like the debt to be removed from my credit report on all 3 bureaus. 

I'm NOT liable for this dept with XXXX XXXX, I do NOT have a contract with STAFFORD GROUP AND ASSOC, no paper work signed, no agreement for any amount of payment has historical value or legitimacy, also there has not ever been a COPY of the original contract as requested to prove my debt as this DEBT with XXXX XXXX is a charge off, therefore the account is closed and has been sold to a collection agency STAFFORD GROUP AND ASSOC XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-08-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (FL)

I was banned from Venmo on XX/XX/year>. I was told the funds in my account ( {$470.00} ) would be held for 180 days to make sure there are no company losses. However they have no ground to ban me
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify is accurate. XXXX XXXX XXXX  # XXXXXXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

on XXXX  i sent Transunion a request to block The collection account ending in XXXX an identity theft item which appears on my trans union consumer report, Trans union seems to ignore Federal law, Transunion is really out of compliance, willful non-compliant and reckless. Uses unfair practices, runs a foul when it come to Fair Credit Reporting Act ( FCRA ). CFBP I want this issue resolved.
Consumer complaint received 2024-08-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

I have had multiple CitiBank credit cards for many years. One day I logged into my account and saw that all my accounts had been closed. No reason was give, and when I called into the customer service they were just as unhelpful, as they had no idea of why it had happened. A few days later I received a letter stating that all my accounts had been closed and for more information I should email/fax/mail requesting more info. I sent an email and fax but have not gotten any response. My credit cards were all in good standing and paid each month in full. Now I'll have to spend an endless amount of time trying to get my bills paid in timely order and much heartache. 

When I asked about the rewards the representative advised me that my rewards were forfeited due to the closure of my account. No rhyme, reason, or explanation, just a harmful and reckless theft of rewards that were based on valid purchases during the year So, I have a house full of kids and the XXXX points I was planning on using to take my family on vacation this summer on has evaporated. Its yet another example of a financial company that coldly, unsympathetically, and egregiously takes from those most vulnerable when they want to.
Consumer complaint received 2022-12-09
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. (VA)

XXXX XXXXXXXX bankruptcy XXXX XXXX XXXXXXXX bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Has violated my rights 15 USC 1681 section 602 A, states I have the right to privacy 15 USC 1681 Section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which ante cedes the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I'm upset until now the negative items that i sent to bureaus to investigate and to remove is ignored... Below the items that are misleading until now reported in my credit file. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc (MI)

This dispute is related to accounts through company, Affirm. The accounts have and are reported inaccurately. Affirm has advised the accounts have been charged off inaccurately reporting the status of the accounts. False information has been reported to the consumer file. It is advised upon the Fair debt collection Act that all information pertaining to a consumer report is reported accurately, in accordance with 15 U.S.Code 1692.

It is of truth that the entire transaction was funded by myself when I signed the promissory note. The bank /Affirm has no legal claim to a loan since Affirm did not bring an equity to the transaction. The borrower has superior claim in equity since the bank/Affirm has not taken a loss according to generally accepted accounting principles. 

I am requesting all errors that Affirm has filed to the consumer report be removed and correct reporting is reported.
Consumer complaint received 2024-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Rocket Mortgage, LLC (TX)

On XX/XX/XXXX contacted mortgage servicer, Rocket Mortgage LLC, for a request to remove PMI. Rocket Mortgage was not transparent with PMI removal requirements. After attempt to remove PMI as outlined in initial contract as well as servicer site, Rocket was unable to provide rationale for why PMI could not be removed despite reaching a LTV of 77.35 % in XX/XX/XXXX. Additionally, Rocket account indicated that PMI would be automatically removed XX/XX/XXXX at 78 % LTV. This is also not correct after following up with XXXX XXXX  on XX/XX/XXXX for additional information. 

During contact with XXXX XXXX they provided more details on this requirement and was not sure why the servicer was not transparent with this information. The requirement for a loan within 2-5 years is 75 % LTV which Rocket Mortgage did not communicate, did not have indicated on our account or clarify after contact. Instead they requested we receive an appraisal at an additional cost to manage PMI removal. 

This practice and lack of transparency is quite concerning as information on removal of PMI should be clear and not contradictory between the servicer and XXXXXXXX XXXX
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I mailed a certified letter to Equifax requesting on XX/XX/year> ( METHOD OF VERIFICATION ) that they received, and today I received a letter dated XX/XX/year> that they need a copy of my drivers license /ssn/utility bill, etc to process my request because the information. I sent copies to them already and I feel like they're buying time or Stall Tactic by sending me a letter dated 2 days later this is XXXX letter. 

All the information they are request has been provided in my letter dated XX/XX/year> and no investigation started into the matter.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I WANT ALL INFORMATION AND ACCOUNT REMOVED ASAP AND $ XXXX in lost wages!! I AM NO LONGER RESPONSIBLE FOR THIS ACCOUNT, I HAVE BEEN UNEMPLOYED FOR ALMOST TWO YEARS, NO CAR, NO HOME OR RESOURCES AND UPLIFT HAS CAUSED ME HOMELESSNESS, NO CAR, NO RESOURCES AND NO EMPLOYMENT, ETC. THEY HAVE BEEN WARNED!!!
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (TN)

Unauthorized Loan and Account Opened in My Name Hello, My name is XXXX XXXX, and I recently discovered that a loan has been opened in my name without my knowledge. This unauthorized activity has also appeared on my credit report. I urgently need to discuss the details used to open this account and report it as fraudulent. Please contact me via email or phone at XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my further request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Owed : {$2800.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX Balance Owed : {$870.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX : {$6600.00} XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Please remove the account XXXX from collection agency XXXX XXXX XXXX  from my credit report. I sent a letter to the collection agency XX/XX/2023, and they have failed to validate this account. Furthermore, I am on a payment plan with the original creditor XXXX XXXX so I am confused as to why this collection agency is claiming that I owe them anything. The balance reported is not the same balance that I have with XXXX XXXX. Lastly, Equifax is the only credit bureau reporting this inaccurate information. I informed Equifax of this error in a dispute letter, and via CFPB in complaint XXXX that they were reporting inaccurate information. They failed to remove this account and they also failed to notate that this account was in a dispute on my credit report which is a violation of the FCRA. At this time, I am only asking for the removal of the account above. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.
Consumer complaint received 2023-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit Reporting Act XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-08-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

Dear PayPal, My PayPal got hacked on XX/XX/year> at XXXX XXXX  PDT. I had to report the unauth suspicious activities on XX/XX/year> to one of your fraud department. 

On the same date XX/XX/year>, the dept concluded there investigation & approved the unauth access claim in my favor, confirming that the acitiviites and transaction ( s ) in question were unauthorised. 

Due to these unauth suspicious activities, PayPal 's automated system placed multiple restrictions on my account. I had tried my best of abilities to prove my identity by providing PHOTO ID but still, no positive resolution is yet to be seen. 

Do we have a possibility if my account restriction could be investigated in detail and find possible options so that I can access my funds? 

Please know that I am waiting here for your response!
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$920.00} XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-16
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: Experian Information Solutions Inc. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

I am a Service XXXX XXXX XXXX War Veteran and have been a loyal XXXX member since XXXX. I am filing a formal complaint against XXXX and LexisNexis Consumer Service Center for their improper handling of my auto insurance policy renewal, which I believe involves violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. My auto insurance policy ( Policy Number : XXXX XXXX XXXX ) is currently active, and I have been making monthly payments leading up to its expiration on XX/XX/XXXX. On XX/XX/XXXX, I received a notice indicating that my policy was renewing. However, on XX/XX/XXXX, I unexpectedly received a non-renewal notice dated XX/XX/XXXX, postmarked XX/XX/XXXX, citing O.C.G.A. 33-24-45 ( e ) ( 3 ) ( H ), 33-24-45 ( e ) ( 3 ) ( h ), and 33-24-45 ( e ) ( 3 ) ( I ) related to incidents from XXXX to XXXX. The notice stated that information from LexisNexis Consumer Service Center was used in making this decision. However, I had previously notified LexisNexis Consumer Service Center to cease and desist from reporting any information about me as a third-party. The use of this information by XXXX and the failure of LexisNexis to comply with my cease and desist request may constitute violations of the FCRA, specifically 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ), 15 U.S.C. 1681c ( Requirements Relating to Information Contained in Consumer Reports ), and 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ). My policy includes Accident Forgiveness, which was not considered in this decision, and I had no prior indication that my renewal was at risk. This sudden non-renewal has caused significant financial harm and emotional distress, as I have been left scrambling to secure new insurance under duress. The non-renewal notice did not meet Georgia 's 30-day notice requirement, as it could not have been delivered in time to meet the deadline before the policys expiration on XX/XX/XXXX. Additionally, I had requested XXXX to notify me online of any documents related to my policy, yet the non-renewal notice was not uploaded to the XXXX system as of XX/XX/XXXX, raising concerns about transparency and compliance with federal regulations regarding credit reporting and consumer rights. I am seeking a thorough investigation into whether XXXXXXXX XXXX decision was improperly influenced by information from LexisNexis and whether LexisNexis violated federal law by continuing to report information about me after I had issued a cease and desist request. I am also requesting substantial financial compensation from both XXXX and LexisNexis for the harm caused, including out-of-pocket expenses, emotional distress, and punitive damages. I request that the CFPB take immediate action to investigate these practices and ensure compliance with all relevant consumer protection laws.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX