davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

On or about XX/XX/XXXX I had my credit report file from all tree bureaus ( XXXX, XXXX, and XXXX ) printed. To my surprise, I see that my mortgage bank ( Loancare Servicing Center ) had me being late 2 payments ( XX/XX/XXXX& XX/XX/XXXX ). 
First, I disputed this erroneous information with the credit buraus with no success. 
Second, I disputed it with the bank ( Loancare ), who not only told me I was 2 months late, but that I am 1 month behind. After verifying with my banks ( XXXX XXXX electronic payments report and my bank statements, both, support my dispute, that I have never missed a single payment. Ive sent them all the information theyve asked for, but I have not success. 

Loancare has failed to update my mortgage payment information ( DATA ) on all 3 Credit Bureaus. It did not update data for XX/XX/XXXX. It did not update data for XX/XX/XXXX& XX/XX/XXXX. And, it did not update data from XX/XX/XXXXto XX/XX/XXXX ( 8 months ). All 3 credit report files have discrepancies. 
Till this day : 16 payments of {$1600.00} ( {$26000.00} ) were made from XX/XX/XXXX to XX/XX/XXXX21 payments of {$1500.00} ( {$32000.00} ) ( including this month ( XX/XX/XXXX ) have been made from XX/XX/XXXX to XX/XX/XXXX. 
A payment of {$500.00} sent to on XXXX XX/XX/XXXX to be added to the principal. 
They owe me {$2000.00}. 

I have attached the following documents that support my dispute & my complaint. 
1. Mortgage Payments XXXX XXXX Report with Transaction Numbers. 
2. XXXX credit report file with notes & discrepancies.

3. XXXX credit report file with notes & discrepancies.

4. XXXX credit report file with notes & discrepancies.

5. My XXXX XXXX Statements ( XX/XX/XXXX - XX/XX/XXXX ). 

Ive been fighting them for more than a month now and all I have got is frustrations and tears. I dont know what to do anymore!
Consumer complaint received 2019-07-02
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Capital Accounts, LLC (CA)

The first letter I received was back in XX/XX/2019 Amount : {$1000.00} I immediately contacted Capital Accounts and worked on making arrangements which I made a payment for {$80.00} soon to realize that it was the wrong Clinic I have never had nor seeked treatment from XXXX XXXX XXXX XXXX XXXX. 
I had an ankle injury and had treatment at another clinic in XXXX and I never bothered looking into it since I never been to the above mentioned place I assumed it was the clinic where I had treatment for my XXXX. 
I tried to talk to Capital Accounts, the Reps. Name is XXXX and she is very rude and unethical and I have gotten no were with them and now I have a Medical collection when I had perfect credit, this is so wrong in every way.
Consumer complaint received 2019-07-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Telerecovery Corporation (LA)

On XX/XX/XXXX at approximately XXXX pm I called Telerecovery of Louisiana and spoke with a collection agent by the name of XXXX. I informed her that I have not received and correspondents in regards to the disputes I submitted through the credit bureaus. XXXX confirmed that they revived my disputes and request for validation of the debt from the bureaus on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX But she had no idea why the collection agency never followed up with my disputes. I then informed the agent that I requested debt validation and she stated to me that she could only send a generic form and had nothing in writing nor any legal documentation showing that I owed the debt. After being unable to help me, The agent, XXXX transferred me over to her supervisors voicemail to leave a message. I left a message but have yet to receive a call back not any legal documents verifying the debt that is being reported by their agency on my credit report.
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX  and Transunion are reporting incorrectly lates in XX/XX/XXXX and XX/XX/XXXX on the XXXX XXXX account number XXXX. ( Please see page 4 of the attached credit report. ) I spoke to a representative in XX/XX/XXXX from XXXX and I was told that if I made ( 10 ) consecutive payments without ever being late that they would remove the lates from being reported on my credit report. I honored this agreement ; I was never late, however they are still reporting the lates on my report from XX/XX/XXXX. This incorrect reporting is harming my credit score.  Please delete these items from my credit report.
Consumer complaint received 2019-07-02
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc (TX)

I used paypal normally to sell my personal item on XXXX and have a good feed back and receive and send funds to family/friend and suddenly today this XXXX i received an email from paypal say i can no longer used my paypal account anymore and they decided to permanently limit my account as they found potential risk associated with it. and paypal told me if i have money in my paypal balance they will hold the money for up to 180 days which i had {$900.00} in there and that's all my money in it i can not wait for 180 days that long to get my money.
Consumer complaint received 2019-07-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

I logged onto the Capital One mobile app on XX/XX/XXXX to transfer money from my external checking account to my Capital One money market account, as I do each time I get paid. I authorized one transaction of {$1000.00} and immediately received a confirmation email ( confirm # 134 ). The next day, I noticed 2 pending withdrawals on my external account and it also showed this way on Capital One 's app as well. Again, I only completed one transfer and received one confirmation email. I called Capital One  the morning of XX/XX/19 and explained what happened. They initiated a transfer to put back the unauthorized payment. I asked for an explanation of why this happened ... was it a system glitch, did someone access my account, etc. The rep could not provide me an answer. I asked that it be escalated and I be called back with an explanation. He would not do so for me.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On or about XX/XX/XXXX, I inquired with XXXX by providing a letter, asking if they would remove derogatory information from my credit profile which is reported to the three credit agencies. The attached letter will provide the background information for my request to remove the derogatory information, but I will provide some brief context. 

I submitted a few request to the credit agencies disputing the accuracy of what was being reported to my credit report as I believe it was not accurate. 

I purchased a vehicle in XXXX, which XXXX financed. In XXXX, XXXX took repossession of the vehicle because I was unable to payment. I received notification the vehicle would be repossessed. The vehicle was sold for more than what it was worth ; thus, I received a check for the excess. XXXX did not follow Georgia 's O.C.G.A. 10-1-36 law as it relates to notification where the the creditor must notify you of the time and place your car has been sold. 

I reached out to XXXX in XX/XX/XXXX to ask if they would be willing to remove the derogatory information from my credit report and after speaking with a representative of the CEO of XXXX, the young lady stated that would not be possible. She said by law they are required to report to the credit agency which I indicated was not the case, but a choice. A choice that I signed allowing XXXX to conduct when I signed the vehicle purchase agreement. The young lady also stated that the derogatory information would fall off my report in XXXX of XXXX. 

I take full accountability for not paying my obligation ; however, had I known there was a possibility of me retrieving my vehicle back, then I would have taken that option rather than damage my credit for 7 years. 

My dispute is in accordance to Georgia 's O.C.G.A. 10-1-36 law, the repossession process was not followed completely by XXXX ; especially since they were unable to provide the letter indicating the date/time/location of the sale to me.
Consumer complaint received 2018-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (CA)

A XXXX XXXX XXXX XXXX notice was sent to me late last year ( the notice was undated ) declaring that my 8.49 % Chase freedom card interest rate would be raised to 13.49 % as of XX/XX/18. The notice gave the reason for this sudden increase, which I view as an illegal penalty increase that disregards my FICO score of XXXX and excellent payment history, as solely due to " my APRs are below the lowest APRs we currently offer on similar accounts. We also took into account your other Chase relationships when making this change. '' What does consistency with other products mean? The last vague and opportuniistic reference is particularly disconcerting as I have a long standing relationship with Chase, including my home mortgage and have refinanced my mortgage with them several times over the years. My unfavorable rate increase is based on vague, arbitrary standards and corporate favoritism, and amounts to price gouging! It is not based on my timely payment history, excellent FICO score or my risk to the lender - Chase Bank. The notice also declared that if I do not accept the new and much higher interst rate, my rejection will result in the closing of my account!
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (MI)

Approved for Citi card XX/XX/XXXX Received email XX/XX/XXXX saying card was on the way and would arrive my XX/XX/XXXX On XX/XX/XXXX I received an email saying a replacement card was ordered and wouldnt arrive until XX/XX/XXXX I called Citi and they said someone changed my address, which I did not do Transferred to fraud department because what happened to the first card and why/how was my address changed and why did they send a replacement that I did not order Eventually they closed my account and made a new one. Not happy with Citi. They did not answer how this happened nor did they offer any assistance in making it up.
Consumer complaint received 2022-12-14
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: Southwest Credit Systems, L.P. (FL)

I am writing to dispute fraudulent charges on my account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft, and did not make these charges nor did I authorize or approve these accounts to be opened. I am requesting for these accounts to be removed immediately.
Consumer complaint received 2019-07-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

Paypal closed my account XX/XX/2018 and they said my money is blocked for 180 days. 

After 180 days i cant get my money back. It is only XXXX euros but its my money and they are no responding mails. By phone everytime they invent somthing. Amazing!
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my Third 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 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXX XXXX : {$3500.00} ; XXXX XXXX XXXX XXXX  Balance : {$730.00}.
Consumer complaint received 2018-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX my husband and I financed a car with XXXX XXXX XXXX. We searched for a car dealer that reports to all 3 credit bureaus and chose XXXX XXXX XXXX for their advertising statements that they report to all 3 credit bureaus. For 1 year and 2 months this company reported our on time payments/never late to all 3 credit bureaus. InXX/XX/XXXX they stopped reporting to any credit bureaus. We contacted the owner XXXX XXXX who advised us that for his business needs he has stopped reporting. We advised him that we only went through his company because he reported to all credit bureaus. We insisted that we were never notified in advance of a change to his business practices and reporting processes. He said there was nothing he can do. We feel like we were mislead with false and misleading business practices to get a loan with his company. This has now ruined our opportunity to purchase a home and has now stalled our credit report.
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

Hello, This morning, I noticed an unauthorized transaction on my Wells Fargo checking account. The vendor is XXXX XXXX XXXX and the amount of {$560.00} is in the pending state ready to be taken out of my checking account. 

I immediately around XXXX XXXX this morning called the Wells Fargo dispute department. They told me that someone has done an ACH transaction using my bank routing and account number. I told them that I don't do business with XXXX XXXX XXXX and that someone is trying to take funds out of my account without my authorization. Please see the screenshot as the that particular transaction is still in " pending '' state and has been received for processing. 

They further told me this ACH transaction of {$560.00} has been pre-authorized. I asked Wells Fargo that who had authorized this transaction and they were not able to tell me an answer because I certainly did not. Since this unauthorized transaction has happened today and still in pending state, I requested them to give me full credit ( {$560.00} ) back which they refused. I request CFPB to help me recover these funds as soon as possible as I need to pay my end of the month bills. 

Thank you
Consumer complaint received 2018-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (MO)

Nordstrom lied to me, the CFPB ( ref Complaint Number XXXX ) and the Kansas Attorney General in order to conceal a fraudulent conspiracy resulting in a {$10000.00} taking from XXXX XXXX, an innocent 3rd party, by knowingly issuing a fraudulent XXXX. 

Additionally, Nordstrom 's maintains " The notes confirm that in XXXX of 2007, XXXX XXXX requested to take over ownership of the account. '' No reasonable person would have " faxed '' a request to assume a {$33000.00} debt, especially from their ex-wife. No law abiding bank would accept such a fax.
Consumer complaint received 2024-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/24 wells fargo closed my checking account after I disputed multiple fraudulent transactions that were made by a previous roommate that stole my information and card and went on a spree of ATM withdraws with purchases that I did not approve. After going over my statements and showing them that there were XXXX transactions made in two separate county 's at the same time proving that I wasn't responsible for both since I cant be at XXXX places at the same time. I've also asked them to check the video footage of the ATM transactions to show it wasn't me but instead they closed my account and failed to refund a total of XXXX dollars that was stolen from me.
Consumer complaint received 2023-02-10
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: American Credit Acceptance, LLC (FL)

Dear American Credit Acceptance, I, XXXX XXXX, applicant, received your letter dated XX/XX/2023. Please explain your reasons for denying my application. In addition, the car dealership XXXX XXXX XXXX XXXX stated verbally, including in CFPB Complaint ID XXXX response dated on XX/XX/2023, that " the bank '' ( American CrediXXXX Acceptance ) are " requiring '' a cash down payment. Is it true you are requiring a cash down payment? I am demanding that American Credit Acceptance provide verification of XXXX XXXX, XXXX, statements that American Credit Acceptance are requiring a " Cash Down Payment '' to proceed with the transaction I issued with XXXX XXXX XXXX XXXX, dated on XX/XX/2023. Please see attachments. Thank you! XXXX XXXX ALL RIGHTS RESERVED UCC 1-308.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I had an address XXXX XXXX XXXX XXXX Florida XXXX and an employer named XXXX XXXX XXXX  that I never lived or worked for someone else has gained access to my credit report back in XX/XX/2022 and it wasn't me the only person I know lives in XXXX is my ex husband and his girlfriend I have been in Georgia for four years
Consumer complaint received 2018-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (NC)

Hello my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX My credit file with XXXX is showing 2 charges with a company by the name of Trident Asset Management, LLC, Checks they are saying was written by me one for {$170.00} account number XXXX on XX/XX/XXXX and one for {$120.00} on XX/XX/XXXX account number XXXX these account does not belong to me I have try 10 times to disputie them and its still coming back its belong to me XXXX and XXXX are not reporting it the phone number for them is XXXX there address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX I have been disable since XXXX never have such account so I am asking for your help thanks.
Consumer complaint received 2024-03-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC (CA)

I am writing to file a complaint against Carvana LLC regarding a recent transaction I had with them. I am a customer who recently purchased a vehicle from Carvana. XX/XX/XXXX, I have contacted Carvana 's customer service department approximately 4-5 times since my purchase, primarily inquiring about the excessive down payment that I made. During my initial call, the representative acknowledged that there was indeed a mistake, and the down payment should have been around {$2600.00}, significantly less than what I paid. 

Despite being assured of a refund, subsequent calls to Carvana have left me frustrated and without resolution. Furthermore, upon further review of the contract with my accountant, it has come to my attention that there are several discrepancies and incomplete sections within the contract. 

One concerning aspect is that the contract was signed electronically via XXXX, a platform that restricts consumers from entering responses in fields other than those required. This limitation leads consumers like myself in the wrong direction and leaves significant room for error or misunderstanding. 

I believe that Carvana 's practices in handling this transaction are not only unethical but also potentially in violation of consumer protection laws. I request that the Consumer Financial Protection Bureau investigates this matter thoroughly and takes appropriate action to rectify the situation. 

Thank you for your attention to this matter. I look forward to a prompt resolution and appropriate action against Carvana LLC.
Consumer complaint received 2024-03-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I send two payments to a XXXX XXXX in XXXX via PayPal Friends and Family method. The XXXX XXXX did not send product as described. I reached out to PayPal and they did not help recover the money even though they know it's a scam. If PayPal charged me service fees for sending money via their service, then they should have protection for its customers. PayPal can not allow these scammers to continue to scam people. When PayPal doesn't take action to protect consumers, they fail as a company and should not charge us service fees. I ask that CFPB work with PayPal to help recover my money lost to the scammer XXXX XXXX. Thank you very much for your time.
Consumer complaint received 2024-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: AmeriHome Mortgage Company, LLC (MI)

I called the mortgage company and asked them to remove the PMI. They said they were going to send me authorization for an appraiser to come out and appraise my house. They ended up sending me someone elses mortgage in a different state. And now they dont want to help