davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

There has been a letter from XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. Sent to Carrington Mortgage Services , LLC . to address the situation at hand on XXXX. 

On XX/XX/2023, I called Carrington Mortgage Services , LLC twice. I was told by more than one representative that Carrington refuses to accept my monthly mortgage payment in the amount of {$1100.00} until I pay the amount that Carrington alleges is delinquent. There are two critical points for consideration : 1 ) I vehemently disagree that I owe any amount to Carrington other than the monthly mortgage amount, and 2 ) Carrington has failed to provide a definite amount that is allegedly owed. There have been several discrepancies in the amounts allegedly owed. For example, ever since Carrington initially informed me that I allegedly owed funds in excess of my monthly mortgage amount, the amount allegedly owed has changed. 

Today, the first Carrington representative that I spoke with indicated that there is {$820.00} in suspension, and we could send a partial payment of {$310.00} which together would equal one payment which meant that only 3 payments were still delinquent. 

During the second call today, the Carrington representative noted various discrepancies in the amounts allegedly owed, namely, the following : 1st amount- {$5200.00}. 
2nd amount- {$4500.00}.

3rd amount- {$3700.00} ( per supervisor- to catch up and excludes the additional fees of {$650.00}. ) If Carrington is unable to provide a reliable and fixed amount owed, then how can I be certain that once I pay the amount allegedly owed that Carrington will not continue to collect additional amounts that they may allege is still unpaid. In summary, due to Carringtons insistence that I pay all delinquent amounts owed, allegedly, it refuses to accept my monthly mortgage payment which will necessarily harm my credit status and be financially costly to me, especially since on yesterday, one of the Carrington representatives mentioned that foreclosure would be evident.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

So basically, I bought a car around XXXX and i couldnt afford it anymore becasue i had financial trouble so i talked to XXXX XXXX XXXX XXXXXXXX about my options and they said i could sell it to get the most out of it and i would be left with a loan amount to pay off. SO i had 2 offers for around {$16000.00} and they said to me that those offeres where too low and they could get more for the car and wouldnt allow me to sell but to give it to them voluntarily to sell it, When i did XXXXXXXX XXXX  marked my credit as a repossesion and i waited a month and called and they had no information and every couple of weeks i would call but they had no answers and i asked about the credit information and they couldnt asmwer that either, so after months and months maybe 3 or 4 i called and they told me they sold the car and i was left with about {$7500.00} to pay off in a loan, i didnt have any money to pay so i havent paid it and i asked more any other options and they said no. I asked about my credit why does it say i have no late payments and a repo on it, and they cant answer my questions and I feel like they took way to long and the processes want handled correctly and the information i have on the account isnt right, please anyhting you can do to help me i would appreciate it so much, i am XXXX and married and im trying my best to start our life and this is really preventing me from getting a house if i am being honest and i really just need some help. my number is XXXX. Thank you for anything you can do for me
Consumer complaint received 2023-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Dear TransUnion you are willfully ignorant to the adverse actions you have yet to update and fix The following 4 accounts need to be updated as Paid and removed immediately XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Department of Education Please do what you were bonded by law in good faith to do in taking care of the private people of the land.
Consumer complaint received 2023-09-25
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LAKEVIEW LOAN SERVICING, LLC (LA)

I have been given a notice of sale 14 days prior to the sale and have been railroaded every time I try to ask for help. I haven't been able to talk to the referenced help on letters I've been receiving and the foreclosure proceedings were done 14 months ago and I went through a covid forbearance since then but a different company is now taking my home and did not allow me to apply for loss mitigation! Do to the timing issue. But I didn't even have 30 days notice of the sale! My home will be lost in 2 days and I need help. My mother offered to purchase the home but they said I had to have that completed first which isn't the truth! I've been researching laws regulations and statues and realize my mortgage company is doing me very wrong
Consumer complaint received 2023-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

I had two cards with Bank of America of 12 year duration and credit history. Rather than pay two fees yearly, I decided to cancel one of the cards. 

Weeks later, I saw my XXXX score had taken a hit. I had anticipated this and the eventual rebound a few months later. As the months unfolded however, my XXXX went from an XXXX to below XXXX. I contacted the Bank of America credit card services and enquired why this might be. I was told by Bank of America that despite my name being on my Bank of America business card, the other card I cancelled contained all my personal information as reported to the 3 credit bureaus. I then tried to have my Bank of America personal card reinstated as I was told it is possible to reopen accounts as this was done on a " case by case '' basis. Despite my decades of never missing a payment and positive history Bank of America refused my request two times. Bank of America also refused to send a letter saying when my personal account was opened and when it was closed as well as any " good standing '' information that could help me rebuild my credit.

I now do not exist with the credit reporting agencies and am no longer able to draw credit or secure a credit card. Bank of America never told, or warned me, that my personal information was tied to the one card that was being cancelled. To me, both cards had my name on them. It was inconceivable that cancelling either card would terminate any and all credit history.
Consumer complaint received 2024-01-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Javitch, Block & Rathbone LLC (KY)

I received a summons from the Sheriffs office that I owe XXXXXXXX XXXX XXXX XXXXXXXX I sent a letter asking for more information because all the account number except the last four were erased with a black marker. The same with the social security. 
I received a lot of statements but again no verification I sent the second letter and I received statements again and somewhere it says verified. 
Who verified it? 
I flip the pages and I see that I have to answer the following interrogatories. 
I never received the purchase agreement and the bill of sale either.
Consumer complaint received 2023-04-26
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. (GA)

I sent in dispute for non compliance back on XX/XX/2023 and I know a reinvestigation nor method of verification was ever completed.This was not sent in error, not a material misrepresentation, and If you feel you have not violated my rights please have a senior executive from your company certify under the penalty of perjury.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ADIR INTERNATIONAL LLC (CA)

icuracao finance illegally reported Financial Transaction to all credit reporting agency resulting in damages to me the consumer and my credit report and violate my privacy according to the Privacy Act of 1974 and faild to report pay as agreed when payment was made in full and wrongfully charge off the account and closed it even when the account is showing open
Consumer complaint received 2023-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MI)

I applied for the new SAVE repayment plan which required I also apply for a loan consolidation - I completed the 2-part application on studentaid.gov on XX/XX/23, choosing Nelnet as my servicer. Two weeks ago, I received an email from Nelnet that my consolidation loan had been originated, so I logged in and saw that I had been placed in a more expensive Standard Repayment plan, where my monthly amount due is double the amount I was expecting ( based on the official payment calculator provided on studentaid.gov ). I have tried calling Nelnet 5 times over the last two weeks and have spent over 6 hours on hold, without ever speaking with a representative. Once, the call dropped after 1 hour and 50 minutes on hold, and their website went down as well. I have also emailed my concerns about my repayment issues to Nelnet but have not yet received a response beyond the generic " we received your message '' email. With payments due so soon, I am extremely anxious and concerned about the mismanagement of customer service and repayment issues, and the lack of clear and accessible information.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Hello let me start by saying this I have been building my credit with the credit cards I do have on file but these inquiries on my XXXX report are not a credit account I have applied for here are the dates and times of those inquiries that is on my report. 
XXXX XX/XX/XXXXXXXX  I have had not contacted this company Capital one XX/XX/XXXXXXXX  Contacted this company XX/XX/XXXXXXXX  Was told to dispute with the credit bureau XXXX XX/XX/XXXXXXXX  Have not contacted this company XXXX XXXX XXXX XX/XX/XXXX Have not contacted this company XXXX XXXX  XXXX XX/XX/XXXX XXXX have a loan with a different finance company through XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Have not contacted this company Capital one XX/XX/XXXX Contacted this company on XX/XX/XXXX Was told to dispute with credit bureau Capital one XX/XX/XXXX Contacted this company on XX/XX/XXXX Was told to dispute with credit bureau XXXX XXXX XXXX XX/XX/XXXXXXXX  Have a loan with a different finance company through XXXX XXXX since XXXX
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Adjusters, LLC (TX)

On XX/XX/XXXX I sent certified letters to XXXX, XXXX and XXXX via physical mail asking them to help validate some inaccurate information I found on my credit reports. Today is now XX/XX/XXXX and I received a corresponding physical letter from a debt collector, National Credit Adjusters. 

According to XXXX  this company does not have a license to collect ANY debt in the state of Texas. 

From this physical letter they sent to me, they are in violation of two laws. 

15 U.S. Code 1692b - Acquisition of location information ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; According to 15 U.S. Code 1692k - Civil liability ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ;
Consumer complaint received 2024-01-16
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Please help me. I am XXXX XXXX XXXX and no longer able to work to take care of myself properly. XXXX XXXX  caused me to leave workforce. I could not afford to take care of myself because of not being able to work. I explained to them the situation that had occurred. I could no longer make timely payments on this account. Their solution would have been to miss a couple of months and go back to payments between of about XXXX XXXX a month.
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (NY)

On XX/XX/XXXX I received an e-mail saying my account was to be immediately closed due to a transaction going against the " Deposit Account Agreement ''. I was receiving an Electronic Funds Transfer from XXXX XXXX which I have through my employer. I have done this dozens of time with this account. I spoke with multiple people on the phone ( to which no one could give a specific reason for the closing ) and through e-mail, every day since then and they keep asking me for new documents to validate the transaction in order to recover my account. I sent my Driver 's License, Car Insurance IDs and screenshot of XXXXXXXX XXXX website with the transaction and the banking info that says " XXXX XXXX  '' which is Chime. Every time I send one, they ask for another type of verification. I also received e-mails that my account would not be refunded and once I replied with saying that on the phone I was told otherwise, they said I must wait 30 days for a refunded check. I'm not sure how this is even legal for them to do without warning. Nothing about my transaction was illegal. I attached articles I found that may be related to what's going on, especially since this happened to me, I have become aware of a friend of mine who is in the same situation with Chime as well so this is not an isolated thing. I clearly am an employed citizen who was not getting a false stimulus check. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: GOLDEN 1 CREDIT UNION, THE (CA)

On or around XX/XX/XXXXXXXX   I applied for a credit card with GOLDEN 1 credit Union. The bank asked me to verify myself by going into the branch with proof of ID, residency and taxes. 

On XX/XX/XXXXXXXX  i did just that. I visited the branch and met with the personal banker ( see attached business card/docs ). The rep XXXX XXXX ( member XXXX XXXX  XXXX ) assisted and verified that the " BACK OFFICE '' received all requested docs. 

Since then the bank closed my acount. I have called repeatedly and I keep getting told my remaining funds will be sent within 7-10 days. This was before XXXX ( the new year ). I called recently about 2-3 days ago and I was told " XXXX XXXX XXXX DECIDED I AM NOT ENTITLED TO THE FUNDS IN MY ACCOUNT '' and told me to contact the people who wrote me the checks to file a claim with theiir bank. HOWEVER< these checks have been cleared and negotiated back in XXXX and XXXX XXXX and one check was a cashiers check which CAN NOT even be claimed once cashed. 

I WANT MY REMAINING FUNDS SENT TO ME ASAP. It is illegal what this bank is doing
Consumer complaint received 2024-01-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Around XX/XX/XXXX of XXXX My XXXX XXXX  was compromised and money were being transferred without my knowledge. I filed a claim with them ( XXXX ) for about XXXX dollars instead of helping me they decided it was not their problem and closed out my account for violating their rules which i did not. so i tried to file a claim with my bank ( Citizens ) for the lost money after XXXX review they said it up to XXXX XXXX to correct the issue decided their decision was final.
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was using my card, and made every payment before the due date, and they flagged me for fraud for making my payments as I used my card. They called my bank to do a three-way call to confirm I wasnt doing anything fraudulent and the money was coming out of my checking account. The bank then confirmed that yes the money was coming out of my checking account. He then told me everything was fine. I could use my card again, then they froze my account for 30 days with no explanation. I feel theyre freezing my account because theyre not collecting enough interest from me
Consumer complaint received 2024-01-11
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (TX)

Could, the company provide, original contract.Original Document means the initially prepared written document or any counterpart intended to have the same effect by the creator.Original Document means the initially prepared written document or any counterpart intended to have the same effect by the creator.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-01-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (CA)

On Thursday, XX/XX/XXXX, I tried to verify a transfer to the " Robinhood Wallet '' app using my Robinhood account. I accidentally submitted the wrong government ID documents and they promptly restricted my account, disabling me from trading. They did not give me the opportunity to correct my mistake before restricting my account. 

They sent me a change of name request form but quickly voided the document before I had time to read through it. 

Since they restricted my account, many actions have been restricted in the default " Robinhood '' app, most notably withdrawing funds back to my original bank account. As a precaution, I attempted to withdraw my funds listed as " Withdrawable '' within the app. However, my account withdrawal has been disabled. 

I have tried to contact Robinhood customer support with no success. They have decided to continue closing my account with little information on what I did wrong. Here is the customer support message I received : " XXXX XXXX, I hope all is well! My name is XXXX with Robinhood Support. Thank you for reaching out!

At this time, we can no longer maintain you

r Robinhood account. ?? We reserve the right to close accounts in our terms and conditi ons. 

All funds will be returned if eligible to either the accounts that deposited the funds or a linked bank account. Youll receive email alerts as these transfers are processed. It may take up to 15 business days to complete this process. 


Thank you for your understanding. 


Sincerely, XXXX XXXX ID : XXXX '' End of email. I am worried that they will label ALL of my {$6800.00} as " non-eligible '' and that I will never be able to withdraw my funds. My {$6800.00} is listed as " Withdrawable cash '' and I receive an error every time I try to withdraw through the app or website. I have since liquidated all my funds out of an abundance of caution. 

I currently have my correct government ID documents and cards with me, however, I have not been given an opportunity to present the correct documents to them. 

The brokerage is listed as " Robinhood Markets Inc '' at XXXX XXXX XXXX, XXXX XXXX, California XXXX.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc. (LA)

I pulled my credit report and noticed some inquires that I did not authorize. On my XXXX report, there were the following inquiries that I did not authorize XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. This showed it was done on XX/XX/2023. 
On my XXXX report, I show the following inquiries ; GM financial, XXXX XXXX, XXXX XXXX, GM financial again, and XXXX XXXX on XX/XX/2023. I did not authorize these. On my XXXX report, I show the following inquires were done on XX/XX/2023 that I did not authorize : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX.
Consumer complaint received 2024-04-24
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)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.