davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing to file a complaint against Bank of America regarding my XXXX debit card account and my claim for fraudulent charges totaling approximately {$4000.00} due to becoming a victim of identity theft. Please reference my previous complaint # XXXX. 

I provided Bank of America with all the necessary information, including a police report detailing the fraudulent activity. However, after almost a month and without receiving any provisional credit, Bank of America denied my fraud claim without even looking at the police report. 

It is important to note that my claim was due to identity theft, and that on XX/XX/2023, I faxed Bank of America the police report. I was not aware that it had not been received until yesterday, XX/XX/2023, the day before my claim was denied. As soon as I found this out, I faxed it again and included my confirmation that said it was delivered on XX/XX/2023. 

Additionally, I would like to bring to your attention that I did not receive provisional credit, nor did I receive a written notice as per Regulation XXXX, which requires banks to provide customers with a notice of the results of their investigation within 10 business days. 

I find it unacceptable that Bank of America has failed to comply with the requirements of Regulation XXXX, and that I have not received the protection I am entitled to as a consumer. 

I am requesting that the CFPB investigate this matter and ensure that Bank of America complies with its obligations under Regulation XXXX and other applicable laws and regulations. 

Having my identity stolen has left me and my children homeless and counting on the return of these funds. Only a handful of the many Bank of America employees showed any compassion or empathy for my situation and I find that disheartening. Many thanks to those few employees who did try to help me and give me some hope. 

I requested that Bank of amercia reconsiser my claim. I would like a prompt resolution to this matter and my funds returned to me before i am forced to file a complaint in court. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-03-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONLINE Information Services, Inc. (NJ)

I contacted the debt collection agency via phone on Monday XX/XX/XXXX to dispute the debt in collection, since I was misled and unable to file a dispute on Saturday XX/XX/XXXX and Sunday XX/XX/XXXX online as was indicated on their letter. I mailed a letter on Sunday, XX/XX/XXXX, in addition to calling, and followed up with a letter via over-night courier on Monday ( so I had proof of mailing ) following my conversation with a representative that threatened to damage my credit if I did not pay this debt. The rep 's behavior was extremely harassing, threatening, and unlawful. 

Please note both in my letter ( s ) and on the phone I asked for detailed information regarding the debt to be forwarded for review noting the home was sold and all utilities were transferred to new owners. There should not have been any balance due. This was met with a refusal to take action and a threatening rebuttal to damage my credit if the amount was not satisfied immediately! 

I was never forwarded any information. An unlawful submission was made to the credit bureaus and is now damaging my credit ( which I work hard to keep over XXXX ). 

The actions taken by the debt collection agency are unlawful and legal action must be taken against this firm and the representative who willfully took action to report me to credit agencies without taking any action to send me the information I requested to research the debt.
Consumer complaint received 2023-03-01
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 (CA)

Hello, I hope this message finds you well. On the XXXX XXXX XXXXXX/XX/2023, I opened a PayPal account for my Business in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I messaged customer care asking them that I'll like to verify my account. Which I got a link where I uploaded all my personal documents for my business which includes, proof of address, utility bill, certificate of incorporation. After uploading this information on the PayPal website. I got an email later saying my identity has been confirmed. Upon confirmation of my identity, few minutes later I got another email asking me to upload my ID and proof of address which I did, then the next thing my account got limited permanently. After uploading all my personal details. I didn't even make any transactions on the app PayPal email : XXXX XXXX
Consumer complaint received 2020-05-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (CA)

On XX/XX/XXXX I was scammed on a pup adoption website ( XXXX ) for a good amount of money. The money transfer was done through XXXX and the day of the purchase ( XXXX ) I found it was a scam and submitted a report to my bank ( Navy Federal ) with emails of the transactions that had occurred immediately. After emailing and calling the other party for the rest of the day with no response the bank was not able to get my money back through my fraud claim. I have tried requesting the money back through XXXX and everything else but I still have not gotten my money back and my bank refuses to help.
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

TransUnion was sent a dispute on several hard inquiries on my credit report via certified mail on XXXX. They didn't respond with the 30 days required by federal law. I contacted them on XXXX and they stated that they had 30 days from the time they processed the claim which is not true. And that they can't process thousands of letter per day because of covid 19. They actually sent the response to the wrong address. in the certified letter a copy of my DL and power bill was submitted.
Consumer complaint received 2023-03-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (NJ)

On XX/XX/2023, my husband and I decided to refinance our home in Florida. The address is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Florida, XXXX. We submitted many documents and thought we had completed the process. Our loan officer continued to ask about our student loan information, which we provided. During his conversation, he stated that because we didn't have a clear picture of how much we would pay to these loans, our interest rate would have to increase to 7.48 %. We only pay 3 % on our mortgage, so we decided to cancel the application on XX/XX/XXXX. However, we kept getting emails from the company to provide more documents. Once again, we called and informed the agent that we were not going forward with the refi. On XXXX we received a letter of incompleteness, and on XX/XX/XXXX, we received a letter for Payoff demand. We called again to express our concern for these letters. The representative at PennyMac told us to disregard these letters. Yesterday, XX/XX/2023, we received an email, which was the final annoyance. It was a statement of credit denial, termination letter. I called PennyMac, and the representative stated this will not go against my credit report, I disagree. It's a denial letter from a mortgage company.She stated this is the policy of PennyMac to send these letters. This is a bad policy, especially if the consumer has cancelled the application to refinance their loan.She stated she would pass this information over to the Loan officer, but, don't believe they will call.
Consumer complaint received 2020-05-28
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: Experian Information Solutions Inc. (TX)

I have had a PAID membership with Experian since 2016 and, have recently been running into problems with the billing department. They have been charging 5-6-7 times in a single cycle. When I call them to confront the situation they say it's my fault but, they will refund the money. Well, it just happened again. And, I'm sick of it. This time when i called they hung up on me several times. Didn't refund all of the money they took without authorization. And, they cancelled my credit membership without my permission. They are rude, incompetent and frankly shouldn't be in business.They are STEALING my money. And, I plan to press criminal charges and file a civil lawsuit, if this is not fixed immediately. They are also failing to respond to my disputes in the time permitted by FEDERAL LAW. They are letting inaccurate information be reported to my credit. Also, a violation of the FCRA.
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/XXXX, I had a statement balance with Comenity Wayfair of {$1900.00}. On XX/XX/XXXX I made a payment of {$1900.00} and requested a {$41.00} late fee to be removed since my payment was only 4 days late. In theory, my balance should have been {$17.00}. Since that time, I have not made any purchases from this company. Nevertheless, each month they have been adding an additional {$41.00} plus interest to the amount owed each month since. 
On XX/XX/XXXX, I sent a letter stating that my online statement showed a balance of XXXX due. However, the printed statement sent via USPS indicated a balance of {$210.00}. In response, the merchant sent me a letter instructing me to call their customer service, who refused to help and only wanted to collect the full amount. 
I refuse to pay {$41.00} per month for a balance that should not have been anywhere close to {$210.00}. 
On XX/XX/XXXX I sent another letter to the merchant with the same dispute. This time I received no reply. 
My balance is now on the XX/XX/XXXX statement reported as {$410.00} and I am shown as being over 180 days late with my payments to the three credit bureaus. 
I am unhappy that this merchant is stating I owe {$410.00} despite having paid {$1900.00} of my total balance of {$1900.00}. And have made no additional purchase from them since XX/XX/XXXX. Charging me {$41.00} per month on a small balance is unacceptable and now has caused my credit scores to drop over XXXX points. I am hoping for resolution and the removal of negative reporting to the credit bureaus.
Consumer complaint received 2023-03-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

on XXXX/XXXX/22 i have sent letters to all three bureaus stating the company who is contacting me for money i have no knowledge on who they are nor owe them any money. I also sent letters out on XX/XX/22. The attachment below is the most recent letter that i am sending out.
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion, XXXX, and XXXX  all have incorrect personal information. Including my middle name wasn't there. So I changed my name and address. Also my job title i have been employed for over 8 years. Once i tried to dispute changes, they're saying not available to process my dispute. im deeply sadden by this, especially through this pandemic.
Consumer complaint received 2020-05-28
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. (NV)

TransUnion is under a lawsuit for us education everyone school loan that falls under the cares act TransUnion made mine and everyone score drop due to our school loans being out on hold for covid-19 and there is no way to speak with TransUnion to fix this I spoke with XXXX XXXX school loans and they told me TransUnion has to fix this error
Consumer complaint received 2023-03-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WA)

I opened a paypal account in XXXX of this year and linked it to my checking account. unfortunately, before I could even use the account for what I intended... someone fraudulently took money from my account through paypal XXXX. On XX/XX/XXXX " XXXX '' took {$500.00} and then {$200.00}. The name of the recipient was listed as XXXX XXXX XXXX and the listed email is XXXX. I attempted to request the money back by messaging through paypal telling him that the fbi  would get him if the money was not returned and the reply I received was " Hello, good afternoon. I hope you are well. I will tell you that your payment was for technological items and the shipment was made the day after payment. If you have any major problem, tell me and we can come up with a solution, since your payment was directly from your Mind you, can you tell me what happened in more detail? '' which was very untrue, I never received anything from this person or website. Now when I tried to respond to this message, it says I am no longer able to message them... very suspect. I have attempted to dispute these transactions twice with paypal and on both occasions, my dispute was closed without satisfactory explanation. The first dispute was closed stating a " history of similar transactions. '' The account was just opened and there were no transactions prior to or after these XXXX fraudulent charges. I then had the dispute reopened, only to have to contact paypal a week after their deadline for resolution and find out the dispute was closed without any notification. After contacting paypal, I was told that I could request the documents used to determine their decision, which have done, but don't expect much help from paypal. I'm at a loss of what to do with this grossly fraudulent situation. I will definitely no longer give anyone access to my account but being a poor college student, {$700.00} is a lot of money... thank you for any help I can get with this fraud.
Consumer complaint received 2020-05-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (TX)

After reviewing my credit profile on XX/XX/2020, I identified several discrepancies with 10 accounts that appear to be duplicated and listed under RMP Services LLC. I requested a validation on XX/XX/2020 as these medical accounts if correct and not duplicated have been paid for by my insurance. Credit report was reviewed again on XX/XX/2020 and the accounts are still reflecting on my report and I sent a 2nd follow up letter requesting validation for the debt. Finally, on XX/XX/2020 I reviewed my credit report again and there have been no changes with the discrepant accounts still reflecting on my report and I believe that they are trying to collect on accounts that have been fully paid for and I believe that the creditor does not have authorization to legally access my medical records and to attempt to collect on these accounts. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that all 10 accounts are not duplicated and were not paid for in full by my insurance and that all information is correct and valid.
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MA)

Dear COMENITYCAPITALBANKXXXX XXXX XXXX XXXX XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX for 30-120 days.

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXX, being XXXX  with XXXX, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (WA)

I emailed the XXXX team in XXXX XXXX to ask about this XXXX XXXX XXXX Credit Card account, received the letter notifying me that a have a new credit card that I didnt approve. Awaiting their response before I start down the path of XXXX reporting for fraud and damages. Im not contacting or registering with Comenity as Im unsure if touching their website then confirms/acknowledges the unauthorized account. 

I have a copy of the email to XXXX that I can share.
Consumer complaint received 2023-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CO)

My loan is being serviced by United Wholesale Mortgage. I closed on my mortgage with a temporary buydown that cost about $ XXXX paid by the seller of the property. My first mortgage payment was due XX/XX/2023, but UWM will only accept the full payment and not the temporary buydown payment. I have called multiple times and they confirm I am right, but they don't fix the problem. I don't know what else to do. I would like to make my mortgage payment but UWM has essentially pocketed money that doesn't belong to them, that instead should be used to supplement my mortgage payment for the first 2 years. Please help me!
Consumer complaint received 2020-05-29
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. (CA)

Within 30 days these credit bureaus have not responded to my attached letters on items that are not supposed to be listed on my accounts. Please remove listed items. This is impacting my ability to buy a home for my sons.
Consumer complaint received 2023-03-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (LA)

My name is XXXX XXXX a federally protected consumer, and I am making this complaint against LVNV FUNDING LLC for committing identity theft. I have never given LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt Pursuant to 1692c ( c ). Iam demanding u Cease and Desist of all illegal activity, of this and any alleged debts until LVNV Funding LLC can provide me with sufficient documentary evidence, such as a trilateral contract, that i have any legal obligation to pay them. If this documentary evidence, can not be produce and LVNV Funding LLC continues its collections efforts, I will file for litigation for actual damages caused and LVNV Funding LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. And also do you have a sign Authorization SSA - 89 form from the SOCIAL security administration about my SSN #. Please tell me you have this on file. Form SSA - 89. Upon the receipt of the documents herein and of this Notice, you are here by notified Pursuant UUC 1 - 202f. Your prompt Attention and Response are both requested and required. Account # XXXX
Consumer complaint received 2023-03-14
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: SYNCHRONY FINANCIAL (TN)

In accordance with the fair credit Reporting act XXXX Account # 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 2023-03-01
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: Global Lending Services LLC (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # 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 written consent.
Consumer complaint received 2023-03-14
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (FL)

Your " choices '' in the other category did not apply to me. I filed a complaint with the Comptroller of the Currency who referred me to file a complaint here. 

I am a XXXX XXXX XXXX and have been certified in the state of Florida for 30 years this XXXX. Approximately 15 years ago, Citibank , N.A . audited an appraisal and removed me from their list of appraisers. Essentially, I was blacklisted. This impacts my avenue of work as many mortgage firms sell their mortgages to Citi and their subsidiaries. 

I asked Citibank through the years about how I might be able to repair this problem ~ asking if I could take additional course work and the like. They have never responded to my requests. It is my understanding based on conversations with peers that I am not alone in this dilemma. 

At some point, shouldn't this " list '' be expunged or something? Am I to be held hostage for the rest of my working career by this company? I have no problems with any other lenders, and in 30 years of appraising, isn't that saying something? 

I really hope you can help, or direct me to someone who can. 

Respectfully, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX