davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-28
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CLGF Holdco 1, LLC (IN)

There was financial system conversion for XXXX XXXX XXXX in which they changed to become Concora Credit. I paid off the last invoice I had with XXXX XXXX XXXX  on time and they received the last payment amount of {$150.00} on XX/XX/XXXX leaving a XXXX balance for account XXXX regarding a store account at XXXX XXXX XXXX in XXXX, IN in which they could not charge me the interest that would be billed in XX/XX/XXXX. While I can not log into the XXXX XXXX XXXX website to obtain the XXXX invoice, I do have a screenshot showing the XXXX balance amount. Since XXXX XXXX XXXX has now become Concora Credit, they have been billing small increments of interest and I have called them XXXX times to tell them to make sure their financial system is no longer charging me interest. Each time they have stated that they will make sure I will not be charged the credit. I do not think my handling this via phone with Concora Credit will resolve the issue any further.
Consumer complaint received 2017-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NJ)

In    2016 I  received several invitations via   XXXX   XXXX    and email to apply for a  Citibank AAdvantage  Platinum credit card. The invitations were address ed specifically to me and listed my current AA miles and what my mileage would be if I fulfilled the spending requirement. I was urged to apply before  XXXX  o f 2016. I called  the number on the invitation, informed the agent that I had previously held a  Citibank AAdvantage  card, and asked if I would qualify for the promotion - and I WAS TOLD YES. I applied in  XXXX , fulfilled the spending requirement and paid my bills in full and on time. When the miles did not appear in my account I began making inquiries via fax and phone.   Many phone calls and many hours later I have been informed that ( unfortunately, sorry for any inconvenience ) because I had closed an account within the past 2 years I would not get the bonus miles AS PROMISED. I am not debating the " fine print ''. I was not sure when I had last possessed a  CITIbank  AAdvantage card. Thats why I called and asked. I relied on their response when I decided to apply for this card.     I feel I was both targeted and lied to.       1. I was baited into applying for this card and making charges to fulfill a fraudulent offer.
2  . Instead of awarding bonus miles, the timing of this offer actually PREVENTS me from earning bonus miles .... If I had waited 6 months more to apply I would have been past the 2 year window allowing me to re-apply for card and earn bonus miles in  XXXX .
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I requested that the incorrect information on my credit reports be deleted. They can not find record of my loan because the original creditor ( XXXX XXXX XXXX ) has sold to a new company ( XXXX ). The new company ( XXXX ) requested that I fax the complaint to them after stating that the do not have the records. I complied with this request and faxed it on XX/XX/XXXX. They will not respond. I have since disputed with Experian and XXXX XXXX but they say the information is accurate and do nothing to resolve the situation.
Consumer complaint received 2024-10-31
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. (WA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human Trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. SUNRISECRED bal. {$520.00}, POSSIBLEFINA bal. {$170.00}, XXXX XXXX XXXX. {$1800.00}, XXXX XXXX XXXX. {$7000.00}. 

INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

KINDLY HELP ME. THERE IS AN ITEM OF INFORMATION BEING REPORTED WITHIN MY CREDIT REPORT THAT IS INCORRECT. THIS ITEM OF INFORMATION HAS PLACED ME IN THE WRONG LIGHT WITH NEW CREDITORS WHO ARE REVIEWING MY CREDIT APPLICATION AND NOTICING CONTRADICTIONS IN THE DATA REPORTED IN MY CREDIT REPORT. THEREFORE, I AM ASKING THAT YOU CORRECT THIS ITEM OF INFORMATION AND REMOVE THE INCORRECT INFORMATION.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts 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/updated.

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.

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 XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-31
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. (AZ)

Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX BANK XXXX XXXX, XXXXXXXX XXXX XXXX XXXX FOR {$1500.00}, XXXX XXXX XXXX, XXXX XXXX, Charges filed XXXX XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA XXXX XXXX has relisted XXXX fraudulent inquiries.
Consumer complaint received 2024-10-31
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. (AZ)

Hello, I am writting this letter to inform a fraudulent account that was opened under my good name. I have no idea what this company is. XXXX XXXX XXXX has added a account to my consumer report opened XXXX XXXX. I am not liable for. Please delete this account immediately is not mine.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXXXXXX 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 in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX 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 XXXXXXXX XXXX XXXX XXXX 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 2024-10-31
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. (NY)

My credit report has items that have resulted from fraud which I never benefitted from. 
This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  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/updated.

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. 

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 XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-31
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. (LA)

A secured credit card with XXXX opened on XX/XX/XXXX was charged off in XX/XX/XXXX. Charges on credit card were fraudulently added by XXXX XXXX XXXX XXXX, who I later sued and won a settlement against. 

Credit card was successfully deleted from my credit reports in XX/XX/XXXX, but later reappeared in XX/XX/XXXX. By law, I should have been notified in writing by the creditor that the account will be added back to my credit report within XXXX days of account reappearing. I was never notified.
Consumer complaint received 2024-10-31
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. (OH)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX  Account # : XXXX HC XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MS)

Ever since I moved from XXXX to XXXX I've had nothing but straight hail from the credit of reporting agencies they say I got fraud they say they put freezes on my credit report that is not doing me any justice I worked hard for my for my good credit that I have I have outstanding excellent credit and now all my cards are being turned down for identity theft nobody has stole my identity I me I would appreciate you I'll get this off of all three of my credit report agencies so I can maintain my credit card use cuz I'm a upstanding citizen I fought for us in the war I demand accuracy and I'm who I say I am nobody else is me pretending to me nobody stole anything and there's no fraudulent things on my charge card straighten it all out XXXX XXXX XXXX XXXX all them cars have been put under review because of this XXXX this is XXXX  fix it now I live in XXXX  I no longer live in XXXX  my telephone number has changed I no longer have XXXX  numbers thank you so much
Consumer complaint received 2024-07-14
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: Experian Information Solutions Inc. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

My credit report had an inaccurate case number and inaccurate contact information for the court my bankruptcy was filed with. I provided proof that it was inaccurate on XX/XX/year> and they came back to say the information was accurate on my account and that they verify this information via a third party.
Consumer complaint received 2017-03-28
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

When I used the ATM at the Bank of America XXXX branch on XX/XX/2017 I asked for {$50.00}. The teller assist told me they did not have the denominations I asked for but could press a button and the machine would send out what it had to make the {$50.00}. I said that was fine and the machine sent out XXXX {$20.00} bills = {$1000.00}. I had my kids in the car and did not go in to the branch to fix it. On XX/XX/XXXX, my account was debited {$3000.00}. I called immediately when I saw the transaction on line and XXXX in the ATM fraud department claimed I had a stack of {$100.00} 's on the camera, which is not true. I told her I received a stack of {$20.00} 's. She was very rude to me and told me to go to the branch where I could " see footage ''. I made an appointment to go in the next day. I went in and met with XXXX who was extremely sympathetic, professional and did what she could to help. However, she said they do n't have the footage there and that is not what I should have been instructed to do. On Wednesday XX/XX/XXXX I received a notice from B of A that my claim had been closed and that no credit could be given. I was told to call a number to receive the documentation. I called and asked for the documents so I could file a police report. I spoke to XXXX in Arizona who escalated to her manager, XXXX. They told me I should hear back in XXXX hours - that should be today. I did not hear back and called again and spoke to XXXX in Florida. XXXX told me they were escalating the claim and I should hear back in XXXX business hours. I feel like Bank of America is giving me the run around. Surely I was not the only person who used that machine on XX/XX/XXXX. No one can tell me where the {$3000.00} came from - when according to my calculations I owed Bank of America {$950.00}. Now I 'm at a deficit of {$2000.00}. I 'd like to hear from someone at the Bank who can show me proof that I received {$3000.00} and otherwise I want my money back. This began as a Bank of America error with whoever loaded the machine. I need someone who can give me an answer. I keep getting the XXXX hour runaround and no one who will give me an answer.
Consumer complaint received 2024-10-31
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. (PA)

I recently submitted a request for an investigation of the noted accounts, which they denied. I submitted substantial information to do a thorough and reasonable investigation. Unfortunately, Experian failed to do so. If Experian investigated properly they would have found the items being disputed are being reporting inaccurately on my consumer report.
Consumer complaint received 2024-10-31
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. (MO)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-31
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. (CT)

I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed.