davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-02
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: EGL US, LLC (MI)

On the date of XX/XX/year> BMG Money Loan and their affiliates practiced discriminatory and fraudulent business behavior knowingly with willful intent deprived me of my right to credit as a result to intentionally directly discriminate against me based on race, disability, familiar status, employment status, and economic status during the refinancing of a consumer credit transaction applied for in the amount of {$3000.00}. They also further knowingly with willful intent deprived me of my right to credit while in good faith exercising my rights under the proper federal laws and Acts of Congress by them acquiescing to the emailed written noticed of me properly exercising my rights under federal law. This consumer credit transaction was in regards to refinancing current loan ( consumer credit transactions ). BMG Money Loans needs to practice better business and ensure that their business policies are legally and lawfully in compliance with the Federal Laws of the United States and all Acts of Congress. BMG Money Loans failed to provide the proper applicable federal laws within their denial Adverse Action letter emailed on XX/XX/year>. The Constitution and 15 USC 1691a but not limited to enforces my lawful right to credit and to exercise my rights to credit. BMG Money Loans are practicing abusive business tactics against the consumers of this nation. This business has not tried to resolve this problem. As a living breathing natural person of the living people of this nation Im totally convinced that these business practices are intentional. It is a fact that a " credit score does not legally nor lawfully apply to a Consumer/Natural person defined pursuant to 15 USC 1692a ( 3 ) ,1 USC 8 . The term person in regards to a " credit score '' can be found pursuant to 15 USC 1681g ( f ) ( 2 ) ( A ) the term " person '' highlighted within that law is defined pursuant to 15 USC 1681a ( b ) which does not describe a living breathing natural person. They have also stated in their site that I wouldnt be eligible to apply for the refinance again until 08/17/2024 which is unlawful restraint of trade and commerce pursuant to 15 USC 1 and a deprivation of rights under color of law pursuant to 18 USC 241, 18 USC 242.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I reviewed my consumer reports and I noticed that I had late payments on 3 accounts I was in fact never late on. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots of inside this complaint, on dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also account number XXXX showing late XX/XX/XXXX and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I DEMAND these payments to be updated to paid as agreed on time as they should be due to the fact I was never late. Even in the screenshots you can see the inaccuracy of the reporting. Thanks! Please see screenshot attached :
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Upstart Holdings, Inc. (CA)

I am writing to formally request the immediate deletion of the account referenced below from my credit report due to violations of the Fair Credit Reporting Act ( FCRA ) : Account Name : UPSTART NETW Account Number : XXXX  The basis for this request is that the information you have furnished to the credit reporting agencies is inaccurate and/or unverifiable, and as such, it should not be included in my credit report in accordance with the FCRA. Specifically, the following violations have occurred : 1. **Failure to Provide Accurate Information ( 15 U.S.C . 1681s-2 ( a ) ) ** : The information you reported is inaccurate and has not been corrected despite my previous disputes. 
2. **Failure to Reinvestigate Disputed Information ( 15 U.S.C . 1681s-2 ( b ) ) ** : You did not properly reinvestigate the disputed information as required by the FCRA.

I am formally notify you of several serious issues regarding my account, specifically your failure to provide the required Form 1099-C, as well as violations of both tax regulations and the Fair Credit Reporting Act ( FCRA ).

**Failure to Provide Form 1099-C** Under 26 U.S. Code 6050P, you are required to file a Form 1099-C with the Internal Revenue Service ( IRS ) and provide a copy to me when you cancel a debt of {$600.00} or more. Despite the cancellation of my debt, I have not received this form from your company. This failure to comply with IRS regulations constitutes a serious violation and can be considered tax fraud. 
**Violation of Tax Regulations** Your failure to issue a Form 1099-C as mandated by 26 U.S. Code 6050P is a violation of federal tax law. This omission prevents me from properly reporting my income to the IRS, which may expose me to potential penalties and interest for underreporting income. Additionally, it constitutes tax fraud under 26 U.S. Code 7206, which addresses fraud and false statements. 
**Violation of the Fair Credit Reporting Act ( FCRA ) ** Furthermore, your actions are in violation of the Fair Credit Reporting Act, codified at 15 U.S. Code 1681s- 2. This section requires furnishers of information to provide accurate information to credit reporting agencies and to correct any inaccuracies. Your failure to provide accurate information, including the status of my debt, has caused inaccuracies on my credit report, which negatively affects my creditworthiness.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OZK (AR)

Im XXXX /was charged overdraft protections every month or twice. I recently maybe XX/XX/XXXX had to open a new account do to overdraft petition mistake bank ozk closed my old account. They let a scam company charge my account then found out I didnt ow them.new accout XXXX around XX/XX/XXXX or somewhere in there, there were no proper explanation as why they came up with overdraft fees when I always been negative XXXX even starting my new account charged XXXX $ every month an. I sign for overdraft pertection not to let companies overdraft my account again. I usually pay XXXX dollar for my full amount covaged payment check ssi to receive the full amount .well I was not notified XXXX XXXX why my account was closed an all my information was erased so I moved I thought bank of ozk would have known since different location do to I signs for a new Acount XXXX XXXX or somewhere In there with XXXX XXXX  banking ozk . They fell to send information to my new address XXXX XXXX XXXX XXXX I have a temporary Acount with a temporary bank in which they let u overdraft XXXX XXXX overdraft fee but they do not charged take enclosure harass you aboutXXXX more dollar jest to overdraft. I been a loyal customer with bank ozk since XXXX XXXX an they have been charging me overdraft fees consecutively XXXX dollars every a month once or twice since I open Acount Question what happen to both my account since law enclosure pain an sufferin craul an unusual humane punishment. citizens residing in the state of Georgia who, on or before XX/XX/XXXX, were charged [ overdraft fees ] by [ OZK ] on items that did not overdraw their accounts, or who were charged multiple [ overdraft fees ] by [ OZK ] on the same item from an account held with [ OZK ], or who were charged ATM Fees In which I was charged ATM fees for overdraft as well by [ OZK ] for balance inquires that preceded a cash withdraw. Just like Georgia this has been goin on since XXXX.
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: U.S. BANCORP (NY)

I AM A VICTIM OF IDENTITY THEFT, THE FRAUDULENT INFORMATION LISTED BELOW IS SHOWING ON MY CREDIT FILE BUT IS NOT MINE. 


ACCOUNTS XXXX XXXX US BANK XXXX XXXX US BANK
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Reinvestigation of Inaccurate Information on Credit Report Dear Sir/Madam, I am writing to request a investigation of the following item ( XXXX ) on my credit report. I believe that the information listed below is inaccurate and would appreciate your prompt attention to this matter. 
Disputed Item ( XXXX ) : Account Name : Capital One Account Number : XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting 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)

Regions has been reporting my transaction history to credit agencies since i opened my account with them. The Law says it is illegal to report transaction history. This is a violation of my rights acourding to the FCRA and the Privacy Act of XXXX. There is a [ {$1000.00} } fine for every transaction reported. Ive also sent a letter and email several times.
Consumer complaint received 2024-09-06
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (CA)

PLEASE SEE ATTACHED CFPB COMPLAINT dated XXXX -- -- We dispute any purported debt. Answers submitted on this site through the steps to get to this point where made to submit the attached claim and plea for help. A ). ISSUE : Fraud from inception. B ). MISSED PAYMENTS : " Debt '' not validated. Don't believe payments are owed. It is not to be construed that we have any obligation or agree there ever was a valid " loan ' or " debt ''. This complaint is based fully on fraud committed against us. No proof of claim or validation has been provided to us even after lawful request which they failed to make required response.
Consumer complaint received 2024-08-14
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: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OR)

I am reaching out to request your assistance with an issue on my credit report. The challenges brought on by the XXXX XXXX XXXX caused significant personal and financial difficulties for me, which have unfortunately impacted my credit history. 
During the height of the pandemic, I XXXX  XXXX and XXXX XXXX XXXX XXXX that left me unable to manage my financial responsibilities for an extended period. 
As I understand, the CARES Act, which amended the Fair Credit Reporting Act ( FCRA ), provides accommodations for consumers affected by XXXX. These accommodations include relief for those impacted between XX/XX/year>, and 120 days after the end of the XXXX national emergency. 
During this period, my vehicle was totaled, and the responsibility for the associated loan was transferred to my expartner as part of our separation agreement. Unfortunately, there was a delay in the insurance payout for the vehicle, and the loan servicer did not communicate this to the credit bureaus. Although the loan was ultimately paid off by the insurance company, the lack of communication during the process resulted in late payment entries on my credit report. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

I have a credit card that has been paid off and closed that equifax is still reporting as open with a balance. i have a dispute thru equifax showing said card paid off and closed but they are still reporting it as open and with a balance, i want this corrected immediatley as this is going on 90 days
Consumer complaint received 2024-08-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (OR)

Ally Financial ( Ally Auto ) ( Ally Bank ) ( Ally ) provided me with an address to send my refinance check and then claimed to have never received it after repossessing my vehicle on or near XX/XX/XXXX. Two months later I was able to receive a second refinance check from XXXX XXXX XXXX XXXX ( XXXX ) and was provided a different address to send it to by Ally, Ally refused to cash it, I then received a third refinance letter from XXXX and Ally cashed the third check and proceeded to tell me that I owed {$5000.00} for the repossession charges. On or near XX/XX/XXXXI was able to have Ally fully paid off and requested my title and paid in full letter. A month went by and I saw nothing so I called Ally at which time Ally informed me that they had no record of me ever having a loan through them ( this has happened multiple times ). It has been 6 months since Ally was paid in full and I do not have my title nor my paid in full letter and as such XXXX has converted my auto loan to a signature loan and raised my interest rate
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MO)

I applied for a credit card with my bank. It was denied, with the reason being " insufficient credit file. '' It said I could get a free credit report from Experian , Inc. 
Then the HELLISH NIGHTMARE began. Over the next week, I could not open an account on Experian 's website. I tried everything. It was a maddening, insane experience. The next week I started calling their toll free number. I would wait upwards to a half hour each time I called. All during each call a voice would say that it was only a " XXXX minute wait. '' That, of course, was complete nonsense and BS. After a week of calling, I finally reached someone. She was extraordinarily unhelpful. She did say, finally, that I could use the U.S. Mail and mail in proof that I exist ( for the record, I do ). 
I mailed Experian the following documents and information : Missouri drivers license XXXX XXXX utility bill Missouri Bar license Kansas Bar license Department of Veterans Affairs identification card XXXX XXXXXXXXXXXX XXXX statement XXXX XXXX XXXX statement Full legal name : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX ( please note XXXX Ive lived XXXX this address continuously for XXXX XXXX & Ive never missed or was late for any monthly rental payment ) Phone No. : ( XXXX ) XXXX Experian 's Report Nos. are XXXX and XXXX I eventually received in the mail a nonsensical response. It stated, in part, " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary matter, we have not taken any action.... ). 
Please note. Experian 's website has a prominent section stating how to send this dispute by mail to them, and stated to send in the documents and information I listed herein. Also, the most unhelpful lady I spoke to on the phone told me to do this too. It was a completely futile undertaking. 
This company should not be in business. It is in complete violation of federal law, making it short of impossible to request anything from them, and does nothing but respond in nonsensical ways. I ask that their credit issuing license, or whatever, be suspended. The company engages in outrageous and unconscionable behavior as a matter of established practice.
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (TX)

I am submitting this formal complaint regarding a credit card application I submitted to American Express ( AMEX ) for the Blue Cash Everyday Credit Card, which was denied in violation of my rights under federal law, specifically 15 U.S.C. 1602 and the Equal Credit Opportunity Act ( ECOA ). 

Upon submitting my Social Security Number on the AMEX credit card application, I initiated a consumer credit transaction, which legally grants me the right to access credit under the terms of 15 U.S.C. 1602. AMEXs denial of my application, and their subsequent adverse action notice, does not cite any provision under federal law that would allow them to deny my right to credit. The adverse action letter sent by AMEX did not offer a valid legal reason for this denial in accordance with ECOA or any other relevant law.

Furthermore, AMEX has an arbitration clause stating that attempts should be made to resolve disputes directly with them before proceeding to arbitration. I followed this process by contacting AMEXs financial and consumer lending departments, but neither department was able to understand or address my concerns adequately. As such, this complaint also serves as a pre-arbitration notice, in line with the dispute resolution procedures outlined by AMEX.

If my benefit is not granted as part of this complaint process, I intend to proceed with arbitration to receive the credit benefit that I am entitled to under federal law.

I respectfully request that the CFPB investigate this matter and take action to ensure AMEX complies with applicable federal laws, including ensuring that consumers are not improperly denied their right to credit. 

Thank you for your attention to this issue, and I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-04
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (UT)

I am writing to file a formal complaint against American Express regarding the non-receipt of bonus points promised for adding authorized user cards and meeting the required spending threshold. 

On XX/XX/year>, I received XXXX XXXX XXXX points for XXXX authorized user card after meeting the required spending threshold. Subsequently, I added XXXX additional authorized user cards under the same promotion and met the spending thresholds for each card. According to the terms of the promotion, I should have received a total of XXXX points ( XXXX points for each of the XXXX cards ). However, to date, I have only received XXXX points, leaving a balance of XXXX points that have not been credited to my account. 

I contacted American Express customer service via their chat platform twice to inquire about the missing points. Below is XXXX of the transcript of my conversation with their representative : Chat Transcript : Me : I got XXXX [ authorized user card ] on XX/XX/XXXX for XXXX points and hit the spend on XXXX others with a new promotion this year that have not been rewarded. 

American Express Representative : I can see that for XXXX additional cards, the spending has not updated yet. The new or unbilled charges are updated after the statement is closed. So, if the spending is met, please don't worry. You'll surely see the points. Also, I'll once check the timeframe for the points. It is mentioned in the terms of the offer that " The XXXX Membership Rewards points will be applied to the Basic Card Member 's Account within XXXX weeks after the Threshold Amount is met by an Employee Card Member added through the promotional offer page. '' Me : But the statement has closed and I am on the new month so it should have hit by now. When will they be rewarded? 

American Express Representative : So, you'll surely see the points soon on your account. 

Me : I am confused that it was added to XXXX already but I have to wait on the other XXXX? 

American Express Representative : I do understand that. However, it must be possible that the spending for that card was met before the spending on the others. But, please be assured, the points will reflect on your account. 

Despite this assurance, the additional XXXX points have not been credited to my account. I have met all the promotional requirements and am entitled to these points. The delay in crediting these points is causing significant frustration and inconvenience. 

I request your assistance in resolving this matter promptly. American Express owes me XXXX Membership Rewards points as per the promotional terms. Your intervention in this matter would be greatly appreciated. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-14
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Tried to make purchase XX/XX/23 electronically from what turned out to be a spoofed website of a fishing tackle retailer ( I got this information of the actual business the " scammer '' purported to be. ) Who confirmed there was a fake website created to imitate them. 
I got a XXXX reciept in XXXX writing. I notified my bank USAA immediately that I tried to make a purchase and got a very strange reciept. They classified it as fraud dispute somehow, I never once said I did not try to make the transaction in question myself. I have been trying to get refunded on basis of never receiving a product for nearly 7 months, and they refuse to process as no product received dispute. I sent emails to " vendor email '' never getting a response, and have made 15+ calls to USAA trying to resolve this dispute and get my money for a product I never received. They have not provided me any clear direction as to what, I need to resolve this issue. I sent them all information via their online document submittal portal for bank disputes. Last conversation I had ( after 5 or 6 previous ) with their member problem resolution team stated, I would recieve further feed back I have not received anything since then. I somehow got refunded for a very similar transaction attempted tge day before the one on question on XX/XX/23.