davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/year>, I received an adverse action letter from American Express regarding my consumer credit application. The rejection was primarily based on a XXXX score retrieved from XXXX, according to the attached adverse action letter. However, I have reason to believe that crucial information was not considered in the decision-making process. 

The rejection seems inconsistent with the details provided in American Express ' SEC filings. Particularly, the prospectus related to the American Express Credit Account XXXX XXXX XXXX, " XXXX scores are derived from independent, third-party data, the accuracy of which we can not independently verify. '' This implies that they relied on information they can not confirm the accuracy of to deny my credit rights. If this is not the case, I request further clarification on the accuracy of the data utilized in my application assessment. Furthermore, American Express explicitly states that it " does not rely solely on standardized credit scores, like XXXX scores, to assess the appropriate credit card account charges. '' Moreover, American Express ' SEC filings reveal that the corporation maintains accounts for consumers across a broad spectrum of credit scores, including those below XXXX. This observation raises concerns about potential discriminatory practices, particularly given the credit score utilized by American Express in my case. It suggests that other consumers have been afforded equal opportunities to engage in commerce, while my application may have been treated differently.

I am seeking further clarification on the additional criteria utilized by the Treasury Department of American Express National Bank for the Underwriting and Authorization Process. Given my non-existent history of engagement with the company, such clarification is pivotal.

It is evident that American Express engages in the asset securitization process, as mentioned under the terminology Asset Securitization in their most recent XXXX filing with the SEC. This process affords a level of credit risk protection among other benefits to all involved parties. 

Also Considering that the credit application was likely sold, pledged, or transformed into another financial asset and some form of consideration was received for such application, directly or indirectly, I am entitled to receive equal consideration in the form of the no preset limit charge card applied for. 

The inconsistencies in the denial letter, banking regulations and the information disclosed in American Express ' SEC filings raise concerns regarding potential violations of my rights to equal credit opportunities and other violations.
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (GA)

In accordance with the Fair Credit Reporting Act Regional Acceptance Corp, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-09-05
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Nelnet, Inc. (NY)

In XXXX of 2018 a loan from DEPTEDNELNET was opened in my name. This loan was opened without my authorization. I have disputed this issue and I am still waiting for this to be resolved. This is now on all three of my bureaus and has greatly lowered my score.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: U.S. BANCORP (CA)

Exhibit 1 - U.S. Bank Consumer Bureau Dispute handling ( XXXX ) letter dated XX/XX/XXXX, states - " The Vehicle was sold on XX/XX/XXXX. 

Exhibit 2 - XXXX XXXX XXXX declined my ( customer ) loan application XX/XX/XXXX. Charged off balance due {$9500.00} due to the delinquent trade of the XXXX. 

Exhibit 3 - Credit report balance due {$13000.00}, XX/XX/XXXX. 

If US Bank sold the boat on XX/XX/XXXX, How did US Bank report delinquency XX/XX/XXXX? 

Why the delinquent amount is different on XX/XX/XXXX, balance XXXX, today the balance is {$13000.00}?
Consumer complaint received 2024-05-05
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint Regarding Debt Collection Practices Dear Sir/Madam, I am writing to file a formal complaint against CBE GROUP. I believe that their actions have violated several laws and regulations, including those outlined under 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-s 2 ( 7 ) ( A ).

Under 12 CFR 1006.34 ( b ) ( 5 ), debt collectors are prohibited from making false or misleading representations. However, CBE GROUP has repeatedly provided inaccurate information and made misleading statements regarding the debt I dont owe.

Furthermore, under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), debt collectors are required to provide consumers with written notification of their rights. I have not received any such notification from CBE GROUP, which is a clear violation of this regulation.

Additionally, under 12 CFR 1006.34 ( d ), debt collectors are prohibited from engaging in unfair practices. CBE GROUP has employed aggressive and harassing tactics in their attempts to collect the debt, which I believe constitutes unfair practices.

Lastly, under 15 USC 1681-s 2 ( 7 ) ( A ), debt collectors are required to provide accurate and complete information to credit reporting agencies. However, CBE GROUP has inaccurately reported information about my debt, which has negatively impacted my credit score.

I am requesting that CBE GROUP provides me with the purchase agreement between them and the original creditor, I will also need CBE GROUP furnish proof that theyre licensed to collect a debt in state of Texas .

I request that the Consumer Financial Protection Bureau investigate the actions of CBE GROUP and take appropriate action to ensure they comply with the laws and regulations governing debt collection practices. I also request that any incorrect information reported to credit agencies be removed immediately. 


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

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act ( FCRA ) ; XXXX has violated my rights. On XX/XX/2022 there was an unauthorized inquiry. 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 an account without my written instructions 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 an account without my written instructions.
Consumer complaint received 2024-05-04
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (OH)

Hello, I have already retained a lawyer for the following complaint but am hoping to avoid lengthy issues and have it be resolved through here. On XX/XX/year> I received a call at XXXX from Affirm requesting a payment on an account that has gone past due. I explicitly said I do not consent to further calls ( this recording is attached ), I recently have had a health emergency and found I have XXXX and often times they call in the morning waking me up, call multiple times a day and on weekends. I am extremely fatigued and need rest. I am unable to pay due to this and due to taking time off work. However, despite being told to stop calling, Affirm has continued to call over and over again utilizing an automatic dialer to harass me. This is a direct violation of my rights under the TCPA and I am now owed a minimum of {$500.00} per violation. The TCPA provides that " It shall be unlawful for any person within the United States, or any person outside the United States if the recipient is within the United States... to make any call ( other than a call made for emergency purposes or made with the prior express consent of the called party ) using any automatic telephone dialing system or an artificial or prerecorded voice... to any telephone number assigned to a ... cellular telephone service... '' Furthermore, I have not provided any form of consent, neither explicit nor implicit, for your company to call my number, let alone for the purposes of solicitation.
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (TN)

Barclay 's is not reporting accurate information about my settled account ( acct : XXXX ). The account balance is incorrectly being reported as {$1200.00}. The balance should report {$0.00}.
Consumer complaint received 2024-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I found out in XXXXXXXX XXXX XXXXXXXX that I was being sued in XXXX XXXX, Ohio XXXX XXXX, Case # XXXX by Portfolio Recovery Associates for an account that I have absolutely no knowledge of what so ever. I contacted Portfolio Recovery Associates and requested that they send me a validation of the debt and an affidavit of fraud. I requested that they investigate this account as fraudulent. As of todays date, XX/XX/XXXX I have yet to receive anything from Portfolio Recovery Associates regarding my request to investigate this as fraud. Instead of responding to my requests, they have bombarded the XXXX XXXX Ohio XXXX XXXX with different motions, including a motion for Summary Judgment. They are clearly using the legal system in an attempt to force me to pay this account despite my requests that they investigate this account as fraudulent. They refuse to cooperate with any of my attempts to prove that this debt is invalid and fraudulent. They simply do not care that I am the victim of Identity Theft. They will use any means possible to force me into paying this fraudulent debt that I do not owe. I have filed a complaint with the identity theft.gov website regarding this account. That reference number is XXXX.
Consumer complaint received 2024-05-04
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have disputed this debt. Multiple times, with the original credit company. And with this debt collection company Portfolio Recovery. This card was closes by the original creditor when asked for covid pause and exemption. 

Since then I have repeatedly disputed the validity of the additional fees, interest, and tactics used by both the original creditor and Portfolio Recovery. 

Just recently phone calls outside of normal hours include : XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( at work can not take personal calls during work hours ) XX/XX/XXXX XXXX XXXX  I also have repeated phone calls from unknown numbers that call XXXX times in a row and leave no message. At all hours. 
Most recently : Monday XX/XX/XXXX XXXX XXXX  and XXXX XXXX  Today, I received a message from my soon to be ex-wife. That a certified letter had been sent and accidentally signed for at her parents residence ( my in-laws ). From the court house in XXXX XXXX Ohio. A quick court search showed that Portfolio Recovery has filed a suit against me. But listed an address I haven't lived at in 15 years at least. 

To say this harassment has gone over the top at this point is an understatement. I have answered the calls one time and asked thene to cease and desist because the original creditor needs to fix the issue instead of selling the debt. 

All of this to no avail, to the point that my XXXX XXXX XXXX in-laws are now being drug into this. 

This is blatant harassment.
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (KY)

I received a copy of my credit report and noticed some hard inquiries I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-04
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: GOLDMAN SACHS BANK USA (AZ)

Order placed XX/XX/2023 on XXXX ( {$150.00} ) for device that wasn't delivered the next day. I did contact the merchant ( XXXX  ) regarding no delivery, if delivered a proof of delivery. XXXX provided a picture of a random door that wasn't mind as proof that it was delivered in the right place. Then was proceeded to file a police complaint if I never got the package. Police deemed that if proof of delivery doesn't show my door as delivered, this can not be marked as a stolen package. Proceeding to file a dispute with my credit card provider ( Apple Card ) I gave all details and showed lack of delivery proof ). To which I got denied 3 times ( siding with merchant ) with no documentation from Apple showing what they found out that led to the decision!
Consumer complaint received 2024-05-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (FL)

This organization has previously published defamatory and false information in relation to a prior complaint. So XXXX as the ethical party to set the record straight ; Affirm was advised pursuant to the Fair Debt Collections Practices Act ( 15 USC 1692g ) that they were too cease and desist their collection efforts until.my dispute of validity of the alleged debt was answered. Not.my fault this organization assumed facts not in evidence and took this as a cease and desist 2hich pursuant to federal law a verbal is only good for 10 days until such time as a written can be furnished to be considered valid and legal.

Now, this organization is in blantant violation of federal.law and I am giving it one final opportunity to revise this XXXX prior to seeking legal remedies thru civil court ( which I will also file FDCPA violation complaint and ask for fines to be levied ) n will seek damages
Consumer complaint received 2024-05-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (CO)

In XX/XX/2023 my SoFi bank account ending in XXXX was used to make XXXX fraudulent transactions in the amounts of {$290.00} on XX/XX/XXXX and {$3200.00} on XX/XX/XXXX. I immediately contacted SoFi to dispute the charge and filed a police report. Almost immediately SoFi/XXXX refunded me the {$290.00} but has since refused to refund the {$3200.00}. The purchases were from the same company and the past XXXX months have been a back and forth with SoFi Escalations and Ive gotten absolutely nowhere. My claim keeps getting denied due to no new evidence despite me providing plenty of new evidence. Everything that I have attached to this complaint, listed below, Ive also provided to SoFi Escalations. I need someone to help me because I do not know what to do at this point. I feel like my only option is filing a claim in small claims court against SoFi which I would rather not do. 

These charges were fraud and Ive provided enough proof of this and I am beyond frustrated with the lack of assistance from SoFi.

The SoFi website states the following under the What is SoFi Moneys Fraud Policy? 

If you find fraudulent activity on your cash management account, youre also covered by the XXXX XXXX XXXX policy ( XXXX XXXX XXXX XXXX XXXX  ). See our Debit Card Agreement and Error Resolution Disclosure which secures our commitment that you wont be held responsible for unauthorized or erroneous card transactions as long as you report them to us no later than XXXX  ( XXXX ) days after the XXXX  statement on which the problem or error occurred was made available. Lost or stolen debit cards must be reported within XXXX business days. 

My account was later closed for violating SoFis money services TOS. How is a fraudulent charge violating the TOS? I did nothing to violate the TOS. 

Ive included all of the information in this complaint including the following : Police report IP Address tracking XXXX tracking Email from company ALSO : I originally filed this complaint with the CFPB in 2023 but was told I needed to file it with the OCC so I did. In XXXX I received a letter from the OCC stating that in fact I needed to file with the CFPB so I have attached that letter as well.
Consumer complaint received 2024-05-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (LA)

CFPB Complaint about Midland Credit Consumer Financial Protection Bureau ( CFPB ) : XXXX XXXX XXXX XXXX XXXX. 
XXXX, LA. XXXX XXXX Complaint about : Midland Credit Management I am filing a complaint because : Midland Credit Management has placed a debt on my credit report that I believe is inaccurate. 
I was not given the opportunit to dispute this information before it was placed on my report. 
I did not receive a five-day notice before the debt was reported. 
Additionally : I request proof of proper notification, including a certifid receipt with my signature. 
I believe Midland Credit Management has violated my rights under the Fair Credit Reporting Act ( FCRA ). 
Furthermore : I would like to know if Midland Credit Management is licensed and bonded in the state of Louisiana. 
Request : I requset that Midland Credit Management investigate this matter and remove the inaccurate informatio from my credit report. 
Please respond to this complaint within 15 days. My silence regarding your response will be considered my acceptance of your position on the matter. 

Signature XXXX XXXX XXXX
Consumer complaint received 2016-05-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

We submitted a RMA on XXXX XXXX, 2016 via email and received confirmation of our submission. On XXXX XXXX, 2016 I called to check on the status and I was told to submit everything again with updated information. I submitted an updated application on XXXX XXXX, 2016. I called on XXXX XXXX, 2016 and was told they had everything they needed and were going to expedite the process. I called on XXXX XXXX because I had not heard anything yet and was told that the file has been referred to an attorney but to go online and submit another application. I submitted the updated information today. I thought that I would have a decision within 30 days from submission. This company has lost or ignored my paperwork twice and I would like to have the file expedited so we can begin the modification process and stop the foreclosure.
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (VA)

To Whom It May Concern, I am writing to complain about my experience and service of how fraudulent charges on my credit card were handled. On XX/XX/XXXX, I received a phone call from TDBANK about fraudulent charges on my account. When I spoke to the agent, we reviewed charges and discovered there were multiple unauthorized charges from XXXX, FLORIDA. I reside in XXXX, VA and have never been to Florida. This was also under my business credit card, which I only use for business purchases. The charges were transactions for a total of {$980.00}. The Agent informed me that charges would be investigated and not to worry. I was informed that my card was likely compromised through airports, or gas stations etc. I was told that they will close the account and send me a new credit card within XXXX business days. On XX/XX/XXXX - XX/XX/XXXX, I was on a business trip to XXXX, CA. This trip requires for me to be IN PERSON as a vendor. Upon coming home, I noticed that my account had not been closed and that I had yet to receive my new credit card. I contacted TDBANK again on XX/XX/XXXX to prevent these pending fraudulent charges from accruing. On XX/XX/XXXX, I received a letter that after reviewing and investigating available information and documentation that I my claim of {$590.00} was denied due to the information that I had my chip card in possession. I did however, received partial credit for {$390.00} of the charges despite it coming from the same occurrences. I asked to speak to the appeals department or someone in a higher position, however, every agent would lead to another of the same tier. After countless calls with TDBANK trying to appeal and refile my claims, on XX/XX/XXXX, I went through with my local branch where I was informed to FAX documentation proving that I was NOT in XXXX, Florida when these charges occurred. I was also advised to write a formal letter to TDBANK to help further escalate the situation. On XX/XX/XXXX, my claim was once again denied for the same reasons. I have made the payment on my XXXX statement to these fraudulent charges to prevent interest from occurring as well as my credit score. To this day, I am still owed {$590.00} of the charges that was wrongfully burdened on my account and I am still in a constant loop with TDBANK. Please help me with this situation.
Consumer complaint received 2024-05-02
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (NY)

On XX/XX/year>, I filed a complaint # XXXX against Affirm for unauthorized purchases. Affirm refused to accept my fraudulent purchases claim. After further review by the CFPB and Affirm, my claim against Affirm was upheld. The case was closed in my favor. I have since still received emails saying I can get my new statements if I sign in to my account. I called the company so I could close my account and stop receiving harassing emails. The company responded by saying I could not close my account and I would still receive emails.