davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: KEYCORP (OR)

On XX/XX/2018 my husband and I applied for a joint consolidation loan at the Key Bank, in XXXX, OR. The loan officer was very polite, and engaging. On XX/XX/2018 he called us to inform us that we were denied based on 3 years ago prior late payments on my personal record. At that moment, I told him we would like to apply for just a car refinancing loan only in my husband 's name ( because he has good credit ). The loan officer, XXXX XXXX, then informed me that they do not give loans to XXXX. ( My husband is a legal XXXX XXXX. ) At that point I replied that I felt that this policy was racist, and discriminatory. 

Therefore, I would like to make a discriminatory complaint against Key Bank. I also called the XXXX number and the customer service lady confirmed that whatever the criteria for " underwriting '' for Key bank 's loans policies are, which the loan officer stated, was what Key Bank goes by. Therefore, it is obvious that this bank is discriminating against legal XXXX XXXX. ( My husband has a 10 year XXXX XXXX, Social Security Card, Oregon Drivers License. ) Please submit this discrimination claim. Thank you.
Consumer complaint received 2019-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2019, I made a payment to Capital One Bank for a credit card which I have had in my name for more than 3 years.  Shortly after making the payment in the amount of $XXXX, the credit card was restricted from use.  I was instructed to phone a telephone number owned by Capital One Bank and was told the card account was restricted due to fraud.  I was asked to send in identity documents, resident documents, and a copy of my ssn.  I sent all this information to Capital One Bank and waited for a response.  I received a letter in the mail from Capital One telling me that they had placed a hold on my account due to fraud and again to phone them at the telephone number on the letter.  I made the call to Capital One on Saturday, XX/XX/2019.  I was told that they received my documents however, they wanted my bank statements including my personal bank account number, another copy of my id document front and back blown up 225% and a utility bill with my address upon it.  Until then they would not unrestrict my credit card.  I then asked if they would close my account since I had provided them enough personal information and they have recently suffered a data breach.  They have not closed the account nor have they responded.
Consumer complaint received 2022-10-11
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Nelson Cruz & Associates LLC (GA)

A person from a phone number of XXXX on XX/XX/2022 at about XXXX EST called and asked to speak with me. When I asked who was calling the person gave a personal name and did not identify themselves as calling on behalf of an organization. I refused to confirm my identity, and I asked them why they were calling, and they repeatedly stated in a rude and aggressive manner that the matter they were calling about was a sensitive matter and could only speak to XXXX XXXX. Not once did they give the name of the organization they were affiliated with and the number itself appears to be spoofed number. I looked up the number and it appears to be associated with Nelson Cruz and Associates- and appears to be an " asset recovery '' organization. Their number appears to be XXXX and they appear to be located on XXXX XXXX XXXX, XXXX XXXX in XXXX, Texas XXXX.
Consumer complaint received 2022-09-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CULLEN/FROST BANKERS, INC. (TX)

I received an email XX/XX/XXXX at XXXX XXXX saying my new Frost Bank account has been approved. 
I Bank with XXXX XXXX, and have since XXXX. 
I've contacted the bank this morning and closed the account. 
I was instructed by the bank to file a report with the FTC.
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WV)

I have disputed XXXX/XXXX on all three credit reporting agencies. Company wrote off amount due which cancelled contract. Sold to collection agency XXXX which also cancelled contract. I paid XXXX in XX/XX/2015. I can not submit documents. Loss home to flooding XX/XX/2015.
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I ended service with XXXX XXXX in XX/XX/XXXX and switched to another service provider with no balance owed to XXXX. After switching, XXXX continued to bill my account with no data plan in place, no phone service and no notice of the continued billing. The balance appeared on my credit report over a year later in XXXX as a collection and I have disputed the account several times with the company and received successful deletion, but the account has in turn, been sold to at least 2 different collection agencies and constantly appears on my credit report and affects my score negatively. It is now being reported by XXXX XXXX XXXX with a balance of {$3500.00} reporting as XXXX XX/XX/XXXX as if it is a new debt and has been negativelyaffecting mycredit score. Please investigate this account and provide accurate information that will stop this fromhappening anylonger. I have requested information from XXXX and they have not furnished any proof of the debt owed because I do not owe the debt and the information being reported is inaccurateand illegal.
Consumer complaint received 2022-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act convergent account # 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 XXXXXXXX XXXX XXXX  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 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 2021-12-04
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: Experian Information Solutions Inc. (TX)

i was going to exercise the right to rescind the contract, however, the XXXX major credit bureaus : EXPERIAN, XXXX and XXXX, and any other person, were never given my consent to create XXXX establish XXXX maintain an EXPERIAN, XXXX and XXXX account, profile XXXX XXXX records for the legal person, which is a legal trust of which i am as the beneficiary and not the trustee. therefore, i can not rescind that which has no existence. 

if any such account be created, established XXXX maintained, it makes legal sense to have it set up, by XXXX 's self, on XXXX XXXX XXXX among all of the other legal trusts andor corporations, i.e. all the XXXX, CITIES, COUNTIES, XXXX XXXX, XXXX, and all of the other legal persons of various industries. 

again, i did not consent to contract the legal person, i.e. a trust, i am as a beneficiary and not the trustee, with any of the XXXX major credit bureaus : EXPERIAN, XXXX and XXXX, and any other person to create XXXX establish XXXX maintain an EXPERIAN, XXXX and XXXX account, profile XXXX XXXX records. 

the fraudulently created, established and maintained accounts and accounting records for the legal person, i.e. a trust, i am as a beneficiary and not the trustee, with the credit bureaus need to be nonexistent, stat. : status quo ante. 

who gave the credit bureaus my location information? XXXX XXXX XXXX who gave the credit bureaus direct consent? XXXX XXXX XXXX XXXX XXXX XXXX XXXX and False Statements. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX of rescission. 
https : //XXXX
Consumer complaint received 2023-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2021-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

I closed my American Express account back in XXXX of XXXX after my information was compromised the balance was paid off and was at {$0.00}. 

In XXXX of XXXX when i went to purchase a new car i notice another AMEX account that has been used in my name since XXXX of XXXX and it and a high balance. 


That was the first time I found out about that account. And they been using my bank account to make payments to that credit card. I have an Amex XXXX  account so when I see it on my statement I assumed it was paying the XXXX card.
Consumer complaint received 2021-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (AR)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The Credit Bureaus are reporting inaccurate information on I C SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2019-06-04
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 have had incidents of ID fraud in the past, between the years of XXXX and XXXX. 
Experian : XXXX XXXX XXXX opened XXXX XXXX outstanding balance {$4900.00} XXXX : XXXX XXXX XXXX XXXX opened XX/XX/XXXX outstanding balance : {$8300.00} Both items where included in the police report, which I have attached to this complaint, and included in the FTC affidavit, which is also accompanying this complaint. The creditors requested that I get a police report before they would even speak to me about said accounts. I have produced all documents required to clear this issue and yet these items continue to reflect negatively on my credit rating. These accounts where not opened by me, and most be removed immediately.
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

XXXX and Experian reported to my credit report without the following: hippa release form with my signature, who verified it, how they verified it, how they store their data, did they get the data from the original collector, proof of statue of limitations, the collectors right to collect in my state, license registered agent or agent of service on it from collection agencies(XXXX XXXX XXXX  XXXX)   have sent several rounds of letters disputes to XXXX and Experian they have repeatedly failed to delete these unverified accounts. These unverified accounts they have on file has hurt my ability to obtain credit. Under the FCRA, these unverified accounts must be removed immediately.Attached are responses from the collection agencies showing clearly a HIPPA Violation. They should not possess my medical info unless 100% verified of everything i've repeatedly asked for.XXXX XXXX XXXX sent me a letter, and in the envelope there was a form with my signature on it with no letter head showing it came from the original furnisher. they are clearly violating my rights.Also attached documents from XXXX showing these same accounts deleted.
Consumer complaint received 2018-02-28
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Byrider Franchising, LLC (TX)

XXXX XXXX / XXXX XXXX XXXX , TX XXXX claims that I still owe them {$2100.00} on a loan that has been closed and placed on my XXXX  Credit Report as a Collection-Charge Off. This information is not correct due to the following terms : 1. Had XXXX XXXX / XXXX XXXX in XXXX TX properly maintained the vehicle before selling it to me than this loan would not even have an amount. Had XXXX XXXX and XXXX XXXX provided me with Buyers Guide in which they didnt this would have been better understood. 

2. XXXX XXXX and XXXX XXXX XXXX TX failed to and refused to repair the car without me paying a high price. XXXX XXXX did not at time of purchase accurately disclose the mechanicial condition of the car that led to numerous mechancal failures, XXXX XXXX did not accurately disclose the prior history of the car. 


XXXX XXXX and XXXX XXXX sold me a defective and poor quality vehicle that had numerous mechanical failure issues. XXXX XXXX after receiving the car back the final time ever did the provide me with a solution just a debt that I feel is not valid.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

portfolio recovery is continuing to report inconsistent information between XXXX XXXX  and XXXX making this account to be reporting inaccurately. I have wrote portfolio recovery a letter XX/XX/XXXX based on errors to the address they provided me on a response letter as their disputing address. when I checked too see if they had received my certified letter to their disputing address tracking number XXXX, to my surprise they did not. I am convinced this address they provided is not the valid address they are requesting for me to send my disputes to. I have also tried disputing with the XXXX consumer reporting agencies based on the running of reporting time because all XXXX bureaus are reporting different dates. XXXX reports estimated month and year this item will be removed is XX/XX/XXXX, XXXX  reports on record until XX/XX/XXXX and XXXX reports the date of first deliquency is XX/XX/XXXX. to my understanding the running of reporting time date should not be fluctuating because it manipulates the time frame for this account to be federally removed. I have received my recent results form experian and they had updated this account. they did not fix the error I had previously brought to their attention based on this same error. portfolio recovery is violating the FDCPA and also FCRA by furnishing inaccurate information and denying there are any inaccuracies that they are furnishing on my private consumer report. I have provided proof
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This company refuses to remove this incorrect negative credit reporting. Their was employee fraud from their phone team and this debt is also way too old to be showing, even if it were to be accurate. Furthermore, this case has gone before a XXXX XXXX in XXXX  court and was ruled dismissed. However the company for several years since refuses to remove the debt from all of my credit reports. I am impacted by XXXX, XXXX and now XXXX  so can not speak on the phone anymore. Please remove this debt asap or I will be filing lawsuits against all parties for the inaccurate reporting. Attached is the case information showing the judge ordered it to be dismissed and deleted. Years ago this should of been done. Please also respond in writing once it is removed from all XXXX credit agencies. 

" Case Information : Court System : DISTRICT COURT FOR XXXX XXXX - CIVIL SYSTEM Case Number : XXXX Claim Type : CONTRACT District/Location Codes : XXXX / XXXX Filing XXXX Status : CLOSED Complaint, Judgment, and Related Persons Information ( Each Complaint, Hearing, Judgment is listed separately, along with each Related Person ) Complaint Information Complaint No : XXXX ( CAPITAL ONE BANK ( XXXX ), XXXX. ) XXXX : ( XXXX, XXXX XXXX ) Type : REGULAR CLAIM Complaint Status : DISMISSED ( RULE XXXX ) Status Date : XX/XX/2018 Filing XXXX Amount : {$3600.00} Last Activity XXXX
Consumer complaint received 2021-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

I am getting in touch with you because of unprotected fraudulent activity that occurred to us as long time customers of Chase Bank. I am hoping that you can provide some assistance or guidance with this situation. 

We recently fell victim to fraudulent charges worth thousands of dollars. When the first unauthorized transaction occurred on XXXX XXXX XXXX a purchase of bit coins for XXXX XXXX, the bank called my husband ( we have proof of this call ) to verify whether or not this suspicious transaction was authorized by any of the account holders. My husband confirmed that neither he or I knew about or authorized the transaction. The bank then informed him over the phone that all cards on the account would be closed, new cards will be issued and mailed to us XXXX business cards never arrived ) .. We were under the assumption that the cards would be closed as indicated on that phone call. 

Two days later there were 14 more unauthorized transactions on the account. The bank initially returned the money. And then very soon after, decided to take the money out without providing a reason for their decision. They had apparently decided that the transactions were authorized after all. The problem got bigger after overdraft fees crippled the account more. After multiple attempts by us to discuss the case with local branch staff and customer service representatives, Chase Bank has been very unwavering in their decision and has provided no information about an appeal or how they came to the decision. We have not received any official letter or email. To this day, the bank will not tell us why they changed their mind about these unauthorized transactions totaling {$9800.00} plus other charges and fees. Frankly, we are outraged at the way that Chase Bank is treating this situation. Our money was not protected and they are not being clear with us. The whole transaction has been done in violation of the Account Agreement signed with Chase XXXX see Account Alert and Overdraft Protection provisions ). 

Again, we are reaching out to you because at this point, after trying our options with Chase Bank, my husband and I have run out of options, and we are hoping that you will be able to assist in some way or provide some guidance. We just bought a house. This is not a small amount of money to us. This money was hard-earned. We are hard-working, honest people. As immigrants, we worked hard for years trying to live the American Dream. Being able to finally buy this house and live in this beautiful place has been a dream come true. But now, the way Chase Bank has treated us has left us in a stressful situation again. Its difficult to think about losing this much money after buying a home. I want to live knowing that my money is competently insured by the largest bank in the US. 

We would be willing to answer any questions that you might have pertaining this case. 
We look forward to hearing from you. 
Thank you.
Consumer complaint received 2024-02-03
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 

These are not recognized and non-authorized hard inquiries on my credit report please have them deleted
Consumer complaint received 2021-07-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Student Assist Plus LLC (FL)

XX/XX/21 The Student Assist Plus Team solutions@studentassistplus.com Tel XXXX Fax XXXX www.studentassistplus.com confirmed receiving my personal tax documentation via email. Since then I have been sent multiple emails on XX/XX/21 and XX/XX/21 with conflicting messages. There are multiple voice messages that are conflicting to the emails.