davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-24
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 (TX)

On XX/XX/XXXX, I filed CFPB complaint # XXXX. In XX/XX/XXXX, my contract hours were reduced to XXXX before the contract ended on XX/XX/XXXX. Since then, I've made monthly payments of $ XXXX. In XX/XX/XXXX, I made the XXXX  of XXXX unsuccessful attempts to request financial assistance from Capital One. Each time, they offered a payment plan of $ XXXX for XXXX months, which exceeded my usual monthly payment. Despite suggesting closing my account and lowering my rate to manage my credit, they did not assist. Now, with no income, they still refuse financial assistance. My minimum payment is {$230.00} at XXXX % APR, with a monthly finance charge of {$170.00}. 

A Capital One representative called me on XX/XX/XXXX, offering no new solutions, and the CFPB closed my complaint. I stated in my feedback that the representative only reiterated the same terms and offered to waive late fees, which didn't help as I was paying on time. Given the CFPB 's ineffectiveness and allowance for companies to delay responses, what other actions can I take? Should I file with the FCC or AG Consumer Affairs division? What is the CFPB 's purpose? I filed a complaint with the Office of the Comptroller of the Currency
Consumer complaint received 2024-05-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-07-24
Product: Credit 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: AMERICAN EXPRESS COMPANY (WA)

A account was opened up under my name at amex under a fraudulent name using my social security number with a address on the other side of the XXXX. There were multiple accounts opened up using my social security number which I will add screen shots for. I discovered this issue when trying to verify my credit to rent a apartment. I called amex to cancel all accounts on XX/XX/XXXX and to report the fraud opening of an account with them. It took amex till XX/XX/XXXX tp actually close out the account and the person committing the fraud was able to post payments during this time. After 33 days amex said they are still working on this but can not provide me any updates or documentation around where they are in the process. I provided them my address and information several times but despite that they cancelled the initial investigation stating the addess of payments received came from the fraud address which matched their records and past their checks resulting in a new case at XXXX being opened for the same original issue. They have been providing me incorrect information and conflicting information over the XXXX times that I called them despite having all of our conversations recorded. I need this issue resolved ASAP so I can rent a apartment and recover my credit score. I don't have the card number or account number at amex since I never actually opened the account or filed for the new cars and amex will not provide me this information.
Consumer complaint received 2024-07-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (TX)

On XX/XX/2024, XXXX reached out to Affirm for assistance regarding a refund for a canceled order with the vendor " XXXX XXXX '' associated with a loan ID XXXX for {$1500.00}. The vendor canceled the order, but failed to communicate the cancellation to Affirm, resulting in XXXX being continuously charged despite the cancellation. 

Key details and actions taken : Date : XX/XX/2024 Loan ID : XXXX Loan Amount : {$1500.00} Issue : Vendor canceled the order but did not inform Affirm, leading to ongoing charges. 

Actions Taken : Initial Contact : XXXX initiated a chat with Affirm 's assistant at XXXX XXXX  to request assistance with a refund. 
XXXX Involvement : Thalia P from Affirm joined the chat at XXXX XXXX to assist XXXX. 
Refund Issue : XXXX explained that the vendor canceled the order but did not communicate this to Affirm. Affirm continued to charge XXXX despite the cancellation. 
XXXX XXXX : XXXX confirmed that there was no refund reflected on XXXX loan from the merchant, and requested the exact date when the merchant processed the cancellation. 
Dispute Initiation : XXXX informed XXXX that Affirm has a process for disputing a loan and initiated this process. 
Timeframe for XXXX : XXXX mentioned a XXXX business days timeframe for Affirm to receive the refund from the merchant. 
Proof Requirement : XXXX noted that Affirm 's relevant department required more proof from XXXX regarding the refund processed by the merchant. 
Existing Dispute : XXXX acknowledged that XXXX had already filed a dispute, but it was beyond the XXXX eligibility window for Affirm to open a new dispute. 
Final Recommendation : XXXX advised XXXX to work directly with the merchant to resolve the issue since it was beyond Affirm 's eligibility window for dispute resolution. 

XXXX expressed dissatisfaction with the situation and indicated an intention to file a complaint with the Consumer Financial Protection Bureau due to the lack of resolution and continued charges by Affirm.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

XXXX, XXXX I have never been associated with this name. I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. Current Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX I have never been associated with this address.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. Employers : XXXX I have never worked for this company.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint. Employers : XXXX XXXX XXXX I have never worked for this company.I am a victim of identity theft this is not my name. I have already provided my police report and my ftc complaint
Consumer complaint received 2024-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (FL)

on XX/XX/year> I used my XXXX XXXX debit card to access a mountain America credit union ( Macu ) atm to deposit cash. Not knowing that I was no a credit union member, the atm machine accepted my cash deposit of {$470.00}. 
I was in Utah on vacation skiing, and to make things worse I lost my XXXX XXXX debit card and the deposit receipt the next day. 
On XX/XX/XXXX while in Utah I went back to the Macu branch to inquire abt my mistake in depositing cash with a non member back and the teller at Macu told me that I had to wait 1 week so that Macu could collect & reconcile activity at the branch atm.

By then I had returned to florida, and I called Macu on XX/XX/XXXX I called the Macu branch and they confirmed they found deposited money equal to my {$470.00} from a non member but they told me I needed to contact my bank XXXX XXXX and their fraud department to coordinate with Macu.

After several months with several departments, on several calls, with both weeks XXXX and Macu neither could agree to reconcile my errant deposit.

In our last call with Macu, they said it was wells responsibility to reconcile. On our last call with XXXX XXXX in early XXXX XXXX XXXX said Macus request would not conform with their compliance and suspended supporting me. 
Lastly, despite a strip and computer chip XXXX XXXX do not have any record of my debit card accessing Macus atm. 
Lastly, we contacted visa as well but they refused to support as they said it was a banking issue and not merchandising.
Consumer complaint received 2024-08-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: PLAZA HOME MORTGAGE, INC. (IN)

Plaza home mortgage is refusing to remove Private Mortgage Insurance. Constantly directing me to other departments, simply hang-up. Purposely calculating XXXX % with wrong values and refusing to make corrections. I purchased a home using a renovation loan ( XXXX ) that you can finance your home purchase price and renovation cost. 

Home purchase value in XXXX {$150000.00} Renovation Cost ~ {$30000.00} My Original Loan Amount in XXXX {$180000.00} My Current Loan Amount in XX/XX/XXXX : XXXX My Current Home Value Based on official Appraisal done in XXXX ( Lender Requested ) : {$250000.00} Based on this number, XXXX % = XXXX = 72.29 %. In Other words I have Equity of 27.78 % They are purposely dividing $ XXXX = XXXX 118 %, claiming I have negative equity, they are refusing to correct the mistake they made, and purposely harassing me by giving the wrong call number to call, telling me to find people names who no longer works at their company to call. 

I really need help. please call me XXXX. This is absolutely discriminating and I feel harassed by the lender I can even hear people laughing in the background of the phone call.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Mercury Technologies, Inc. (FL)

On XX/XX/year>, XXXX Bank ( on behalf of XXXX XXXX XXXX ) requested information from our company, XXXX XXXX XXXX ( XXXX XXXX ), regarding XXXX fund transfers of {$50000.00} each that were deposited into our account, related to a client ( The XXXX XXXX XXXX ). 

In response to this request, we replied via email on the same date, providing the requested information regarding these transfers. These funds corresponded to the payment of invoice number XXXX, dated XX/XX/year> ( see attached file ). Additionally, we provided the driver 's license of our client 's legal representative, along with a note addressed to our company confirming that these transfers were indeed the payment for the mentioned invoice. 

On XX/XX/year>, XXXX Bank ( on behalf of XXXX XXXX XXXX ) notified us via email that our checking account had been closed due to a breach of their Terms and Conditions and/or the Deposit Account Agreement. They also informed us that the funds deposited in the checking account are being held by XXXX Bank and that XXXX Bank would notify our company if there is any change in the circumstances surrounding this closure. 

It is very important to mention that the withheld fund belongs to the collections of another invoices related to IT consultancy and development services. 

On the same date, we communicated to XXXX Bank that, despite the account closure, we urgently need information on how and when the withheld funds will be returned to us ( since we no longer have access to them, which is causing us severe economic and financial harm ). However, we received another entirely ambiguous response, repeating that our money is being held without addressing our inquiry on how and when we will be able to recover our funds.
Consumer complaint received 2024-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

To Whom It May Concern, After reviewing my consumer credit report, it is clear your agency is in multiple violations, and I am entitled to monetary compensation under FCRA 15 U.S. Code 1681s-2 and 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Your agency has furnished reports in connection with credit or insurance transactions not initiated by me, the consumer. The law is explicit : ( A ) The consumer must authorize the agency to provide such a report. 
( B ) ( i ) The transaction must consist of a firm offer of credit or insurance. 
( 3 ) A consumer reporting agency shall not furnish a record of inquiries in connection with a credit or insurance transaction not initiated by a consumer. 

Under FCRA 15 U.S. Code 1681n ( b ) ( 2 ), any person obtaining a consumer report under pretenses or knowingly without a permissible purpose is liable for actual damages or {$1000.00}, whichever is greater, plus punitive damages as the court may allow. I did not initiate any of these inquiries. If you believe otherwise, provide me with copies of my written consent. The following items must be removed from my consumer report immediately under 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) : XXXX - XX/XX/XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you cant provide this proof, DELETE THE INQUIRY IMMEDIATELY because its hurting my ability to get credit. Under the Fair Credit Reporting Act ( FCRA ), the only acceptable reasons for accessing my credit report are A. Firm Offer of Credit B. Insurance. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report.15 U.S.C . 1681b : Permissible Purpose of Credit Report. I demand that you DELETE this unauthorized inquiry from my credit file right now! 

XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report. 

XXXX XXXX XXXXXX/XX/XXXX Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report.
Consumer complaint received 2024-08-15
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Consumer Financial Services Solutions, Inc. ()

I enrolled in this predatory program without fully understanding what I was getting into. I was rushed though a multi-page document online which I did not fully understand. After making XXXX payments into my account of {$440.00} totaling {$1300.00}. Beyond Financial took {$1100.00} of that money in upfront fees. They only made XXXX payment on a XXXX XXXX XXXX. They said they would start debt settlements and making payments once enough money was accrued in my account. That means all credit card accounts with them go into default and accrue more interest. This company charges the large sum of XXXX per-cent of the original debt to service their fees. Fees must be paid before anything else starts to get even paid. This program used a slick sales agent ( XXXX ) to sell me something I did not fully understand, and would have never agreed to. This is a predatory program that once you get into you will be in worse shape than when you stated it. I lost {$1100.00} in FEES with them and now have to deal with all the debts they deceptively said they would settle.
Consumer complaint received 2021-01-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NC)

I have a cash app account under $ XXXX  - I paid for products that I never received and I believe I was scammed. I contacted the company and they did nothing. I want my money refunded for the following : XXXX XXXX XXXX XX/XX/2020 {$1000.00} XXXX XXXX XXXX XX/XX/2020 {$1500.00} XXXX XXXX XXXX XX/XX/2020 {$50.00} XXXX XXXX XXXX XX/XX/2020 {$800.00} XXXX XXXX XXXX XX/XX/2020 {$500.00} XXXX XXXX XXXX XX/XX/2020 {$500.00} XXXX XXXX XXXX XX/XX/2020 {$500.00} XXXX XXXX XX/XX/2020 {$150.00}
Consumer complaint received 2024-08-04
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (KS)

Ive been an American Express customer since 2006. I received an email from them saying that my preset spending limit has been reduced to {$2800.00} on my Platinum card. My previous preset spending limit was {$25000.00}. There have been no major changes to my credit report ( my FICO scores are over XXXX ), Ive never missed a payment on my American Express card or any of my other credit accounts so I dont understand why they would do this. I called and tried to resolve this but have not been successful. I pay this account in full every month and have done so since this account was opened.
Consumer complaint received 2024-08-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (CA)

on XXXX XX/XX/year>, I received an email and phone notification that the account was placed on restriction. Both XXXX XXXX XXXX XXXX XXXX, I received unsoliced calls that claimed to be from Robinhood ( could have been spam but the app said they did try to call ). 

On XXXX XXXX, @ XXXX, I had a XXXX minute XXXX second call where the callback " Agent '' said they could not advance my account for review to remove the system-generated restriction unless I answered a sequence of question. We got stuck on the second question which was " Why did you first come to Robinhood? ". I am refusing to answer marketing-survey style of questions that are unrelated to the account. The agent also stated that they have no information as to the nature of the " restriction '' and would not escillate to a supervisor. 

I sold all the crypto in the account and attempted to close the account and was blocked from the transfer of funds from this company becuase the account was " restricted ''. 

XXXX XXXX, @ XXXX, initiated a chat with " deactivations '' at Robinhood who said they could not process the closing of my account and I needed to contact the first team through the app. 

At this moment, I no longer wish to have any business relationship with " Robinhood.com '' as I find their processes to be unreliable and there is no escillation path to get account issues resolved. 

I have not started a small-claims court process to recover these funds. Please advise if this is the best path to ensure my account gets closed.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # : XXXX Account # : XXXX has violated my rights. 

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
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I just opened this card in XXXX, but never received the card in the mail. I called the credit card company to request a new card be sent because I never received the first XXXX. The credit card company said they were sending me a new card and were waiving all late fees. Once I got my credit card in the mail, I then made a credit card payment of my full balance minus the late fees because they said they were waiving the late fees. I even called a second time to make sure all of the late fees were being waived because it had been a couple months since I opened the account. They assured me they were waiving all late fees. Yet, then they reported a {$55.00} late fee as a missed payment to the credit bureau. Its the first missed payment that Ive had reported to the credit bureau in my 17 years of having a credit card. This late payment reporting reduced my credit score overnight by over XXXX points. I called the credit card company again after I saw this late payment posting, and they removed that late fee, but refused to remove the late payment reporting to the credit bureau.
Consumer complaint received 2024-05-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ensuring timely payments on this account has always been my priority, never allowing them to become overdue. I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.