davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/XXXX, I successfully linked my Paypal account to my landlord 's online payment portal. On XX/XX/XXXX, I submitted the payment on the online portal for {$270.00} using my Paypal account. The account had been linked using the account number and routing number provided by Paypal. On XX/XX/XXXX, I was notified by Paypal that the payment had been rejected because the Paypal account was not set up for external transfers. As a result, I incurred {$250.00} of late fees charged by my landlord even though there were sufficient funds in the Paypal account for the rental payment. I called Paypal and submitted a case on XX/XX/XXXX, XXXX Paypal representative that I spoke with told me that my Paypal account was not set up for transfers, which is why the transfer was rejected. I told the representative that I was not notified of that and was confused as to why I was able to link my Paypal to my landlord 's account if the transfer would just be rejected. The representative told me to send proof of the late fees and that the case would be reviewed for compensation. I did not hear anything back and called on XX/XX/2024, to inquire about the status. The Paypal representative said that there was no record of the case, and I requested to speak with a supervisor. The supervisor was very rude and said that they would not compensate me because my account was not set up correctly and it is not their fault. I explained that it was in fact their fault because I used their technology assuming that it would work correctly due to the availability of my routing number and account number. As a result, I incurred late fees due to the failure of their technology. There was no evidence that the account was not set up correctly. This is blatantly poor business practice and consumer abuse.
Consumer complaint received 2020-09-29
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PROVIDENT FUNDING ASSOCIATES (OR)

In 2017 we purchased a home for my aunt and cousin to live in. My aunt is on XXXX   XXXX  and her daughter is her full-time XXXX. We went with a reputable local mortgage company there in XXXX Oregon that recommended a product that we felt comfortable with ; we did not read the fine print and so did not understand that our mortgage could be sold to a company like Provident. 

Under COVID we lost one of our businesses but our bike business took off. Additionally I work as a XXXX at a XXXX  college in XXXX. We make plenty of money and have not paid any of our monthly debts late. My credit score took a hit due to my debt to income ratio only. We have never paid our mortgage with Provident late and we have never declared bankruptcy. 

When my husband lost his farming business we contacted Provident to refinance the home we have my aunt and cousin living in so as to better manage our overall costs. Provident customer service folks told me that I did not qualify for the refinance because of my debt to income ratio. Provident customer service folks never asked about our situation or other assets we have. They did not care about our spotless payment history or have 2 minutes to discuss options with us. And ye, like everyone else in that industry, they received stimulus money and funding to keep folks housed. They were not concerned with my aunts fragile health or in learning about the other assets we have. Owning a home is a privilege but being housed is a human right. We are ready to deal with this so that others might not have to in the future. 

We have consulted an attorney and are following their suggestions by registering complaints with he Fair Housing Council of Oregon ; the Consumer Financial Protection Bureau with the Federal Government ; and the XXXX XXXX XXXX  in every state except for Alaska, Alabama, Arkansas, Delaware, District of Columbia, Hawaii, Idaho, Iowa, Kansas, Louisiana, Maine, Mississippi, Montana, Nebraska, Nevada, New Hampshire, New Mexico, New York, North Dakota, Oklahoma, Rhode Island, South Dakota, Vermont, West Virginia, Wisconsin and Wyoming. 

We also sent a formal written complaint to Provident where they only receive written complaints at to their XXXX XXXX XXXX XXXX XXXX, CA. XXXX. They can take our money and we have a portal for sending payments, but the only way you can submit a complaint is in writing.
Consumer complaint received 2024-04-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (GA)

On approximately XX/XX/2024 I mailed a certified letter that was notarized, in the form of an Affidavit to a debt collector requesting " Validation '' of an alleged debt and not the standard Verification.

This is my right as a consumer : 1006.34 Notice for validation of debts ( CFPB ) 15 U.S. Code 1692g - Validation of debts ( US TITLE 15 ) About 3 weeks later, this same debt collector did not respond with an Affidavit. They responded with a regular standard mail with a computer-generated Verification form. I need help from the CFPB because they are ignoring congressional laws.
Consumer complaint received 2022-11-06
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: EQUIFAX, INC. (HI)

I have tried on several occasions since XXXX of 2022 and filed several complaints with you to have Equifax fix their website so I can access my XXXX SCORE AND CRDIT REPORT. They have repeatedly said they fixed the problem but I still can not access my report. Again this is what the website says when I logon : " Please give us a call and give this code to the XXXX : XXXX  Your Equifax credit report and score are not available at this time due to a technical error. Please call Customer Care at XXXX ( XXXX ). 
Our call center hours are : XXXX XXXX  to XXXX XXXX XXXX XXXX  ), Monday through Friday, and XXXX XXXX  to XXXX XXXX  ( ET ) Saturday and Sunday. '' I tried calling them and you can not connect to a live person. You can not even file a dispute on the website because nothing applies to this problem to get your XXXX SCORE AND CREDIT REPORT. This repository is the worst of the worst and clearly engaged in illegal activities as it relates to consumers rights. I WANT THIS FIXED so I can log onto the website and get my XXXX SCORE AND CREDIT REPORT. I don't want the report mailed to me I WANT TO ACCESS IT ONLINE ON EQUIFAXXXXX 's WEBSITE.
Consumer complaint received 2020-09-29
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY (VA)

Received a bill from Target Red Card XX/XX/XXXX. Was paid in full XX/XX/XXXX. Have confirmation number and name of person I spoke to. Target continues to bill for an account thats been paid.
Consumer complaint received 2022-11-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC. (MO)

XX/XX/2019 someone requested a loan from Cashnetusa.com in the amount of {$1500.00} which I didn't requested but my information was used to deposit it into my account. I tried to contact customer support and have them stop the loan but it had already been transferred to my bank account. I was put in poor credit status because of not paying that loan back that I didn't request.
Consumer complaint received 2020-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (NC)

In XXXX I called XXXX XXXX XXXX to cancel my membership. 
After them not canceling it for 3 months and I contacted them every month about it I called my credit card company and disputed the charges saying they were charging me illegally. 

In the XXXX XXXX XXXX contract there is a section where you can check agree or disagree to continuing your membership on a month to month basis after the duration of your contract. I checked disagree. This would mean after my year membership I would 1. no longer be a member and 2. not pay anymore. They continued to charge me after a year violating the contract. 

I was working at XXXX XXXX XXXX at the time and my job was to sell memberships. I completed my own contract and specifically checked disagree. 

I tried to call Aldous & Associates on XX/XX/XXXX to discuss this. After telling one of their employees my situation they got rude and hung up the phone on me. I am sending them a written letter of formal disagreement today.
Consumer complaint received 2023-06-30
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: CITIBANK, N.A. (TX)

XXXX XXXX Book preordered from XXXX XXXX XXXX XXXX XXXX Advised XXXX XXXX XXXX I am moving to XXXX  and to send it to my new address XXXX  - Follow up with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acknowledges, has been dealing with family issues XXXX - Shipping confirmation with old address received. Asked XXXX XXXX XXXX to confirm they will correct mailing address. 
XXXX - USPS confirms package delivered to old XXXX XXXXddress XXXX - Reached out to XXXX XXXX XXXX to send me a replacement or refund XXXX  - Opened Dispute with CitXXXX XXXX - Citi closes dispute with no investigation and says " Customer Responsible '' XXXX - I provide communications and proof that address change was confirmed and book still sent to wrong location XXXX  - Citi reopens dispute XXXX - Citi contacts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX responds. Their answer is simply, " XXXX shows delivered. '' To the incorrect address. 
XXXX  - Citi closes dispute as " Customer Responsible ''
Consumer complaint received 2022-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

XXXX I called usaa to notify them my card was stolen as well as my car with my cell phone inside.I was XXXX XXXX XXXX XXXXXXXXCovid is still going on so they requested we not bring anything inside the XXXX..I filed a police report and immediatley sent it to usaa, I didnt use this account much .On XXXX i checked my balance and my acccout had not been shut off and XXXX dollars was gone .Usaa said this wasnt fraud and said my account was overdrawn this amount, Who ever took this had acess to my cell phone so they spent the provisinial credit and transferred money from my other usaa account where my paychecks were deposited.Im out all this money and then my tax refunds hits and usaa keeps it on a closed account, Now usaa has sent several letters stating they need my social security number id and adress because they dont have it for my other account, How can they not have it? how have they been veryfyig anything without that info? Im out all this money and they have no clue who i am.
Consumer complaint received 2023-03-16
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital One requested a hard copy of my credit report without my authorization. 
Based on their privacy notice they must request a hard credit inquiry and based on the noticed I received from XXXX is that they received a hard copy of my credit report. This had a negative effect on my credit score.
Consumer complaint received 2020-09-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I made additional payments, additional to the monthly payments, to Bank of America and apparently if you do not have a checking account with them, then the additional payments do not get applied to principal only. They said add'l principal only payments are not available on the website, it would come across as a regular payment with a portion of it being allocated to interest. Nothing on the website indicates this and still doesn't. They said this option is only available if you call in to make the payment. Therefore I requested for all my add'l payments to be readjusted and applied to principal. I contacted BofA to request my payment history ( with a breakdown of each payment and how it is allocated - principal v. interest ) on separate occasions and was told that they could only mail or fax. I do not understand why there is a secure messaging system if they do not utilize it. three requests for fax and it has not been rec 'd 2 requests via mail and it's still not rec 'd. It baffles me that as a consumer, I am unable to access this payment history on their website. I was told to look on previous statements for this information. However, any recent adjustments would take a month before I could review and validate that past payments were properly reallocated.
Consumer complaint received 2020-09-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (AZ)

The company continually fails to address the reason for my complaints with them. 
Upon filing my first complaint against PennyMac, XXXX quickly called to address. She overly apologized on behalf of the company, implied suggestions of sweeping changes, however nothing was followed up. She simply is there to defer the situation and sweep their failures under the rug. In the process of an open application, should it take 6 attempts to reach someone??? Why will XXXX not acknowledge or address this??? She has listened to all calls and reviewed all emails. Is it negligent to have passed not properly reviewed my financials and double counting a mortgage and auto payment. XXXX calls this a " Complex '' review? She stressed it as she used " Complex '' twice to explain how the PennyMac team works. Why is it that the first negligent loan officer finds my debt to income to be 77 %, after a week of trying to reach someone to understand what they were reviewing, another finds 55 % ( see my retaliation Complaint against PennyMac ), but all others find it to be 35 %??? 
XXXX 's only position is to defer the situation and pretend she is to make changes in the company. It appears that she has no control of this and didn't even know if the initial loan officer still worked there. Doubt he was reprimanded even.
Consumer complaint received 2020-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (FL)

Customer care persons are refusing to provide me a separate itemized billing statements for the pay over time balances and fees interest charges which they are denying my rights to that information as which those charges was applied to my regular monthly charges. I ask on several occasions to review a separate itemized pay overtime and pay overtime direct balances fees and interest charges they refuse to provide me this information, because the numbers are not adding up. On today to my amazement I did get a return call from a supervisor stated her name was XXXX she also refused to provide me with the above information and refused to entertain another inquiry which only 2 dispute was done and she stated the reason why another inquiry wont be done is because 3 been disputed, which is not true only 2 was disputed and before I could respond the disputed inquiry was closed  out both times. Therefore I was not given a chance to be heard. XXXX still refusing to take my inquiry and dispute, she stated to me didnt XXXX tell you we was not going to do another inquiry? And she is teaming with XXXX the same information that she stated to me, No inquiry!! The minimum payment is due today which most of that bill payment is pay over time fees and interest charges all which Im disputing. Also she stated that they only report late payment to the credit bureau if a person is 60 days late, that is not true because they reported me 30 days late back in XX/XX/2020 to the credit bureau and I was not 30 days late at all, even though they corrected the error but did not change it with the credit bureau causing my credit score to dropped 21 points, and they refusing to change and correct the error with the credit bureau. CFPB please report this to the compliance/ complaint department to XXXX XXXX XXXX Vice Chairman. Email address is XXXX, I was given this information from the secretary at XXXX Head Quarter office the telephone number is XXXX
Consumer complaint received 2020-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

Received a promotional email offer to upgrade my Amex everyday card to Amex everyday Preferred with a XXXX bonus Amex reward points after {$2000.00} spend. Applied through the link in email in end of XXXX, met minimum spend and inquired through Amex App chat regarding the bonus status on XX/XX/XXXX and was informed there was not any upgrade bonus offer linked to the card. Agent opened an investigation same day on XX/XX/XXXX. 

XX/XX/XXXX - Chat via Amex app to inquire investigation status and was told the same - no offer was attached to the account. I then told the agent I have the email as proof and was told to provide the POID code - POID : GF0A:0001. Agent checked the code and opened another investigation with the code XX/XX/XXXX -Chat agin via Amex app. Agent asked if I have uploaded email image which I have never been told. eventually I pasted the whole email body with the code again to the agent. Then was told I need to wait. I asked to talk to a manager but was just repeatedly told there was no offer attached and my request was denied. Manager further claimed that it looked like I didn't use the offer code when I upgraded. I'm sure I used the link in my email to upgrade - without the offer I would not have done the upgrade. 

XX/XX/XXXX - Again Chat via Amex App. This time was told investigation revealed no offer was attached and there was no document uploaded - so investigation was closed and request denied. I did paste the whole email once and provided the code a few times already. Transfer to supervisor who basically said there is nothing they can do.
Consumer complaint received 2022-11-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (VA)

Please Need Help With my Problem Hello, i reported that my account has been not working from a few months ago after i lost my phone device. 

i sent many email to XXXX about the problem with my account when i try to send money. 
They ask me for several information about verification processes for help me to reinstate my account. 
The main problem is that i reported many time that the website upload.wu.com is not working for send document. 

I sent my document to the email but all agents looks like they really do not read my email and always sent me the same answer about sent the document to the link upload.wu.com. I feel really tire because i sent many email with the explanation, ( that link is not working for send Documents ). 

Other problem is that customer service cant help with my actually problem because they said i have to contact to XXXX. 

I have been using western union services for several year and its important to me to fix any problem with associate with my account. 

Western Union [ ref : XXXX : ref ] Western Union Case Verify my Id ref : XXXX : XXXX Western Union XXXX XXXX XXXX : ref XXXX XXXX XXXX XX/XX/1988 XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX zip XXXX XXXX
Consumer complaint received 2022-11-06
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. (NV)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX 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.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 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.