davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BARCLAYS BANK DELAWARE (GA)

Mastercard Assistance Center c/o Program Administrator at XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, OH XXXX This is the company. I put in a valid claim because XXXX XXXX canceled/delayed/interrupted/disrupted my return home causing my family and I miss a connecting flight. XXXX XXXX refuse to refund me, and this is their credit card ( AAdvantage Aviator ) that was used to make the original flight. Well, XXXX XXXX would not find me a flight home. Therefore, I had to purchase flights from XXXX. This situation that occurred is covered under the benefits of this credit card, and they refuse to pay the claim ( XXXX ). They made up some excuse about a pre existing sickness and all I stated was that my breathing was affected by rushing to catch the plane. This event that happened is definitely covered, and they thought I was going to let the decision be. 

Here is the benefit : Trip Interruption If a Covered Loss causes an Eligible Travelers Trip Interruption, we will reimburse you for the nonrefundable amount paid to a Travel Supplier with your Covered Card for the following : The forfeited, non-refundable, pre-paid land, air and sea transportation arrangements that were missed ; and Additional transportation expenses that the Eligible Traveler incurs less any available refunds, not to exceed the cost of an economy-class air ticket by the most direct route for the Eligible Traveler to rejoin his or her Common Carrier Covered Trip or to return to his or her place of origin. 

I want the amount I paid for the XXXX XXXX reimbursed in the amount of {$1100.00}.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (NY)

ON XX/XX/XXXX I FAXED OVER FTC IDENTIFY THEFT REPORT TO TD CUSTOMER SERVICE FRAUD DEPEARTMENT ABOUT ACCOUNT TELLING DEM TO CLOSE THE UNAUTHORIZED ACCOUNT THATS REPORTING TO EWS ( EARLY WARNING SERVICES )
Consumer complaint received 2024-06-12
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: Affirm Holdings, Inc (OH)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-06
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (OH)

My complaint is in regards to this companies refusal to assist me when it comes to trying to resolve an issue concerning fraudulent transactions made using my card after it was stolen from me. In XX/XX/year> I was robbed and was XXXX XXXX XXXX XXXX XXXX as a result of this, they stole my wallet that contiated my prepaid cards along with my ID and social security card. Due to this traumatic experience XXXX XXXX XXXX XXXX XXXX for a XXXX month period and XXXX XXXX XXXX I found there was various fraudulent transaction made using my card that totaled {$5600.00}. I then disputed these transaction with the company directly providing them with police reports, identity theft report, and letters from my attorney regarding this matter.They did not follow FEDERAL REGULATION E and give me a provisional credit and Despite providing them with that information they denied my claim, what made it worse I feel that no living person looked at the claim and it was done through an AI. By them refusing to honor my claim it caused a hardship for me causing me to become homeless. I wish to get this handled.
Consumer complaint received 2024-06-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (PA)

I was contacted by Shellpoint to provide proof of insurance for my mortgaged property for the period between XX/XX/2024, and XX/XX/2024. I was informed that failure to provide this information would result in the mortgage company purchasing XXXX XXXX XXXX ( LPI ). 

I have provided the requested information several times, both online and through physical mail, and I also filed a complaint under 12 CFR 1024.35. 

There was always full coverage, and the documentation was provided on time. Nevertheless, Shellpoint/Newrez refuses to admit their mistake and insists that they had to place XXXX. 

Attached documents show the full coverage for above mentioned timeframe.
Consumer complaint received 2024-06-05
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 (GA)

XXXX XXXX XXXX CAPITAL ONE I XXXX XXXXXXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX  I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes.As such, it is a very serious error in reporting. I never authorized such action, if this constitutes a violation of my rights under The fair Credit reporting act 604 As well As a violation Of my rights to privacy. 
These inquiries were made fraudulent without my Knowledge and or permission. These inquiries were made XX/XX/year>, XX/XX/year> XX/XX/year>, XX/XX/year> If you find that I was not the one who Authorize these inquiries I asked that it would be removed Immediately. Please be so kind as to Forward me documentation That you have had the unauthorized inquiry removed. If you find that I am an error then please send proof of this Your immediate attention To this matter is appreciated.
Consumer complaint received 2024-06-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation (FL)

Bridgcrest customer service keeps telling me misleading information and it cuased them to lie to apoint of no return a XXXX XXXXXXXX that now they clsoed my account so I can not cathc uup on payents, or pay off car. The customer folks will not speak to me saying I do not have an account.of what payment amount is due and how many past days I must go under for them to stop repossession. They said {$350.00} will be due and everything will be okay until next month. Then after paying it they did not stop repossession and caused injury to me as a consumer as a worker XXXX XXXXXXXX XXXX XXXX in Lending Act ( TILA ) include failing to accurately disclose the needed funds then changing the story once the money was received. Unfair or deceptive acts by customer care.
Consumer complaint received 2024-06-05
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)

My credit was ran without authorization. I went through the no credit chick pre-approval process and wasnt offered any credit product so I did not proceed to apply for a credit card that I knew I would get denied.
Consumer complaint received 2024-06-05
Product: Credit 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: SYNCHRONY FINANCIAL (WA)

I was communicating on XXXX with the owner of a physical jewelry retailer, XXXX XXXX of XXXX XXXX XXXX, on the evening of XX/XX/year> regarding the special pricing and purchase of a vintage necklace ( XXXX XXXXXXXX XXXX XXXX XXXX ). After agreement on pricing, he sent me a link to his website that showed the new discounted price of the item- {$5000.00}. The website looked familiar as I had purchased from this retailer before. I went through the same previous steps of checking out and paying with my PayPal account. Upon purchase completion, I received a PayPal confirmation with the name of a merchant that did not look familiar ( XXXX XXXX with e-mail address XXXX - Transaction ID XXXX ). The retailer messaged me today, XX/XX/year> notifying me that they were still waiting on my purchase. It was at this time that it was confirmed that the account was compromised and that this transaction was unauthorized. 

I filed a police report with the XXXX Police Department and disputed this charge with PayPal ( who also issued the XXXX I used for this purchase ). PayPal determined there was no issue and closed this case.
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (IA)

On XX/XX/year> I deposited {$620.00} into the Wells Fargo atm at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. The atm starting glitching and taking forever to count my money I deposited, which it never has done to me before. I started recording the issue then a message eventually popped up saying your deposit is jammed and can not be returned and I took pictures of that error message. I called the Wells Fargo customer service number that was provided on the screen and they told me I had to wait XXXX business days for them to investigate and that stressed me out because its not my fault their machines are not working, but Im a single parent and I needed that money for school fees that I am trying to pay and they were really non chalant about the situation, I even spoke XXXX people and a XXXX person, and they all just carelessly said the same thing and I am needing my money returned back to me that was took.
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SOFI TECHNOLOGIES, INC. (AZ)

Dear CFPB Representative, I'm writing to file a formal complaint against SOFI bank regarding their failure to provide me with the direct deposit bonus promised on their website when opening a new account with them. The requirement was to have direct deposit of more than {$5000.00} in a XXXX days period to qualify for a {$300.00} bonus. I have XXXX XXXX refund from fedral and state gov on XX/XX/XXXX and XX/XX/XXXX, respecitively, with a total of {$5800.00} direct depoit. However, SOFI failed recognize them as direct deposit ( DD ) and SOFI customer service told me it actually should be DD and that they would submit a ticket for me. No ticket number was provided and I was not being told I have to wait until XXXX pay cycles ( XXXX months ) to receive a response. After reaching out to SOFI multiple times after the XXXX pay cycle ends, I was being notified that they will have a coding correction to recognize those XXXX XXXX as direct deposit but they won't go back to correct my transcation. A SOFI representative helped me filed an Bonus Exception inquiry but still gets declined. 

I tried my best to reach out to SOFI every time when they don't reach to me back as they promomised, and I'm truly disappointed on how my case was being solved. I trust that the CFPB, as the governing body overseeing fair and responsible banking practices, will thoroughly investigate this complaint and take approriate action. I would greatly appreciate your assistance in resolving this matter. 

Please feel free to let me know if I can provide more information. Thank you.
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (SC)

I was issued an AMEX card through XXXX XXXX I've used AMEX cs three times to get into the app to pay my bill, then I lose access. Can not use app and I refuse to give my bank info to anyone in a foreign country. 
They keep gaslighting me in a very misogynous way. 
I just want access to the online app to pay my bill without this drama every month. I've changed my password twice already. The problem is AMEX, not me.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I applied for credit and was denied because of non autorized accounts and address 's were assembled /placed on my consumer report which are fraudulent, So I sent a letter to all three CRA 's registered mail in good faith explaining what happened and to delete mentiond accounts/address within the letter/complaint I sent.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (GA)

These XXXX XXXX XXXX XXXX are reporting in accurate amounts and In accurate dates, the balance are consecutively the same amount on some accounts for XXXX months straight have payments that go back to the dates that I established the account have listed negative accounts such as XXXX XXXX was paid off only owned XXXX it says XXXX that was incorrect. These accounts are stating no positive information about the accounts and don't have full details. I'm requesting that they be removed from my file from obtaining the job as well as trying to apply for credit. 

And some of the accounts never owned such as XXXX JP Morgan XXXX i was a voof identity theft a couple of years ago and no one wants to help or reply to my complaints emails anything!! Please assist me with these accounts and Research I have information to provide proof of constantly incorrect input information I am requesting to have these delinquent accounts removed. The data is totally incorrect.
Consumer complaint received 2024-06-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (IL)

A friend I have on XXXX made a post that they had a vehicle for sale. Their grandpa had gone into assisted living, and they were selling his assets. I reached out through messenger and said that I would like to look at the car. The person, who I thought was my friend, said, please send a down payment, several people are interested. I know this person, so I thought it was safe. They sent me a zelle name that I didn't know, to pay them. I said, who is that? They said, it's my cousin, he is helping with the estate sale. I sent XXXX. They asked me for my phone number, they said that had to have it to accept the money. I gave it to them. Then I got a text message, from " zelle '' saying that I had exceeded the limit, and the XXXX would be refunded. I told this to my friend, they said I could just send {$850.00} and {$150.00} and that would cover it. I did. The second I did it, it dawned on me that I was being scammed. It was too late, I had sent my scammers {$2000.00}.
Consumer complaint received 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I had a Capital One Walmart XXXX XXXX XXXX XXXX. The account was in good standing the problem began when I lost the card in XX/XX/2022, I called Capital One to request a new card. I was told I would receive it in 5-7 days. After the seven days I never received the card I immediately called the company back and I was told I wouldnt receive the card until I sent proof of my identity at first I didnt mind initially they wanted my drivers license, ssn card, and copy of my bank statement all the things I had to submit to open the account in the beginning. Which was two months prior to this issue. Needless to say they gave me the runaround I was told they would follow up the never did. I went back and forth with them from XXXX till XX/XX/2022 down to the point I was conferenced in with my bank along with Capital One to verify my address. After that I thought it was finally over and they would send the card. They never did they claimed that I didnt send them the proper documents when I did several times. I was so frustrated their customer service was horrible all the hundred plus people I spoke to there, no one properly notated the account. Constantly repeated myself over and over nothing was resolved. Essentially they closed this account my credit score dropped tremendously. They lied to cover themselves I never have dealt with anything like this ever. They said they put a fraud alert in the account because I hadnt had the card long enough and had already lost it and was requesting a new one. They would change what they wanted me to send in as proof of my identity and address they wanted proof of my salary which was ridiculous. The way they carried on someone would have thought this account had a XXXX credit limit. Because the new person that I would speak to wouldnt look at the other pages in the account they would tell me I hadnt sent in the necessary documents. This was so frustrating, I got to a point where I had ask to escalate my issue to the executive offices and by the way the account was in good standing with a XXXX balance.
Consumer complaint received 2024-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Brown and Joseph, Ltd (NJ)

Can this email be direct to the department that can help with the following issue? XXXX XXXX XXXX XXXX received the following mail which is attached to this email. I sent correspondence at that time in question we had insurance and therefore did not owe the money requesting and in terms we're due a refund. Help needed Several emails were sent to resolve this issue and as of today this company ignored us and kept requesting payments. 

Thank you XXXX XXXX
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days, and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATION!! I Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-07-18
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)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.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
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1682. Account name XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. I looked at both my XXXX and XXXX credit report on XXXX XXXX and noticed some things are incomplete and inaccurate, and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). and according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( a ) in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete the item oof information from the file of the consumer, or modify that item of information as appropriate based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the accounts is inaccurate
Consumer complaint received 2023-06-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend (IN)

Applied for loan XX/XX/ through maxlendXXXX Unfortunately I gave out my personal information and believe the site was a scam. I no longer wish to have this loan.