davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Re : Bank of America XXXX XXXX XXXX XXXX, 0 % Promotional XXXX on balance transfers or cash advances. 
XXXX. I have been a BOA card holder for many years, and have always paid my statement balance to avoid interest charges. 
XXXX. BOA kept promoting to me a 0 % XXXX on cash advances for 11 months and I decided to take advantage of the offer for a remodel. 
XXXX. I called BOA to better understand how the promotional APR would work since I have other balances on the card and how the payments would be applied so that I may take advantage of the advertised 0 % APR for the entire term. I was told, as long as other balances are paid, above and beyond the promotional APR balance, there would be no issue. 
XXXX. My first statement after accepting the promotion, I received interest charges, despite paying the balance of the prior month. 
XXXX. BOA did a 1-time courtesy credit for the interest fees. 
XXXX. My new statement balance was {$18000.00}. I called BOA to find out and confirm what amount do I need to pay to avoid interest charges and still take advantage of my promotional APR, I was told {$13000.00}, how does the math work??? 
XXXX. These are scams and deceiving practices by the bank! I would have never taken advantage of the " offer '' if I knew it was just a way for the bank to start charging me XXXXR on my other transactions.

8. There should be a clear distinction between the APR balance and the balance subject to interest and your CC statement should reflect the minimum payment required to avoid finance charges. Otherwise, this is false advertising and a scam. 
XXXX. As a consumer, I should not have to perform mental and mathematical gymnastics to avoid interest fees. 
XXXX. I have been a responsible consumer, paying my XXXX statement balance in full each month only to be scammed by the bank to start paying more interest. 
XXXX. I have called, have been hung up on, have been told I did not understand the stipulations of the promotion, etc., and so on by multiple reps. But that's just like throwing words into the ether, pointless. 

What recourse or protections do I have as a consumer?
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-06-24
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. (TX)

XXXXXXXX XXXX XXXX XXXX on my Experian report. This account is a verified fraudulent account by XXXX. I disputed and Experian did not remove the account after I provided proof from XXXX and the police report
Consumer complaint received 2024-06-18
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. (NV)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 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 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

My account with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian, XXXX and XXXX will investigate this account for me to ensure accuracy Here is the account I have asked you to asking you to verify as accurate : Account Name : XXXX XXXX  Account Number : XXXX The Date Last Active for this account on XXXX XXXX XXXX Date Last Active for this account on Experian is XX/XX/XXXX. The Date Last Active for this account on Experian is XX/XX/XXXX. This account isn't reporting at all on XXXX. This account is reporting in collections since XX/XX/XXXX on Experian. This account is also reporting good payment history from XX/XX/XXXX to XX/XX/XXXX on XXXX. Then XXXX months XXXX past due on XXXX, XXXX XXXX XXXX Then good payment XXXX XXXX XXXX followed by XXXX past due for 4 months on XXXX again XXXX This is inaccurate history reporting. If this item is from the same creditor, the information should be the same from all three bureaus. This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. XXXX, XXXX and Experian failed to investigate this account properly after I repeatedly asked via written request to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following account : Account Name : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received a copy of my credit report and am writing to dispute the following information that appears on my Credit Report ( XXXX and XXXX ). 
The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from Capital One Bank Usa Na on XX/XX/XXXX and XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
In additional to that please correct the address, since the address which is under my personal information is incorrect - XXXX XXXX XXXX XXXX, CA XXXX never associated with me. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (MA)

I am writing to express my deep concern and frustration regarding an error with my credit card report. All three major credit bureaus have incorrectly reported a significant issue on my credit card account, which has drastically hurt my credit scores. This mistake has caused me emotional distress, as I have always been diligent about managing my finances. I am worried about the impact this error is having on my ability to secure loans and other financial opportunities. I kindly request your immediate assistance in correcting this error to restore my credit score and bring peace of mind back into my life.
Consumer complaint received 2023-08-29
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: Experian Information Solutions Inc. (MA)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I am submitting this Complaint to delete the following fraudulent information in my Credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that the Credit Bureaus immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete these items as soon as possible : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-18
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. (FL)

I am filing my report to challenge and scrutinize these accounts that are incorrectly listed on my credit file. Under the Fair Credit Report Act, I am entitled to {$1000.00} per inaccurate report. I understand that FCRA 605B obliges us to report any erroneous accounts on a consumer 's report.
Consumer complaint received 2024-06-18
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: Experian Information Solutions Inc. (FL)

I would like to express my deep concern and frustration regarding the ongoing issues with late account openings, despite our repeated attempts to rectify these matters. The persistent occurrence of late accounts opening not only disrupts our operational efficiency but also reflects poorly on our organization 's commitment to providing timely and reliable service to our customers. I urge you to conduct a thorough review of our account opening procedures and systems to identify any underlying issues or deficiencies that may be contributing to the persistent delays. It is essential that we implement robust controls and enhanced monitoring mechanisms to ensure that accounts are opened in a timely manner and in accordance with regulatory requirements. Additionally, I encourage you to prioritize customer communication and support throughout this process, providing clear guidance and assistance to those who have been impacted by late accounts opening. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 information is inaccurate.
Consumer complaint received 2024-07-19
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (TX)

I took a personal loan on my vehicle in XX/XX/year> where the amount was XXXX. Two years passed by and I only paid about XXXX and my monthly payment is {$780.00}. I pay like XXXX in every month towards the interest and my principal does not go down. I have over 4 years more to pay. I pay daily interest even in my grace period even if I pay a day later than the XXXX. They can not offer any solution. I stuck with this loan and my car has no gap insurance as no one offer it to me. One Main Financial just make the situation worse than it is and not offer any long term solution just to pay the loan by the XXXX in each month. I am in a situation where I have no place to turn and get assistance to see myself out from this loan. My car worth half if I wish to trade in than the loan on it which is XXXX. I am trying to see if I can lower my payments on the car around {$500.00} would be manageable but in our current financial situation I am having a really hard time to manage the whole thing. I was warned if I do not pay by the XXXX the car is not secured. The title is with them and they can get it from me if that is the case. If I late and out of the grace period they made me pay the daily interest as well. I am not sure how longer I can pay this loan with this conditions and I am seeking assistance from a higher level and to investigate how One Main Financial manage its operation. 
My name has changed since I created the account it is XXXX XXXX.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I have reported a case of identity theft regarding the disputed account the account was removed and the put back onto my credit report. I have request that all XXXX credit bureaus investigate the matter, and the account was deleted from my credit report by Experian and then it was put back. Recently the account was found to be incorrect and removed by XXXX, who deleted the account in question from my credit report. How is Experian not removing the incorrect account from my credit report, I have brought this matter to Experian 's attention numerous times, they are unwilling to remedy my grievance. I need your help. I am including a copy of the deleted account from XXXX.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally dispute an address that is erroneously associated with my name and accounts. The address in question is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never resided at this address and have no connection to it. Despite this, several companies have reported that this address is linked to my accounts. I have contacted these companies to correct this misinformation, but they have directed me to contact the credit bureaus. However, when I contact the credit bureaus, they advise me to reach out to the companies reporting the address. 

This situation has caused significant confusion and frustration as I am unable to resolve this issue. I am providing the following documents to verify my identity and my actual residence : A copy of your passport or your driver licsence. I recommend you use a passport if you have one, because if your driver lisence has the same address that is being shown connected to the accounts it may be difficult to get them remove A copy of my social security card. 
Proof of lease with my correct address. 
A copy of my auto insurance declaration page showing my correct address. 

I kindly request that you update your records to reflect my correct address and disassociate me from the incorrect address listed above. Please confirm receipt of this letter and the resolution of this issue at your earliest convenience. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/XXXX I filed a complaint with the CFPB against chase. They falsely provided statements that were not complete after an unwarranted account closure. I am formally requesting that any and all financial statement from XXXX XXXX be provided immediately. What was provided is not complete and online access to these statements has been denied by the website. Chase is trying to limit liability when it knows this account was not fairly closed without consumer warning or notification in any capacity. Furthermore I need to now begin a dispute process for several transactions in those date ranges as I have discovered fraudulent activity currently being investigated by the state of California against the XXXX XXXX XXXX XXXX and XXXX starting with the transaction on XX/XX/XXXX for {$5600.00} dollars.
Consumer complaint received 2024-06-18
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: Experian Information Solutions Inc. (OH)

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 XXXX 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 Owed : {$150000.00} XXXX XXXX Balance Owed : {$740.00}