davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was provided an offer of credit card issued by Bank of America in XX/XX/XXXX which had an 0 % Promotional APR for a certain period of time.

I accepted the offer and received a credit card soon.

However, I have never received any notification or reminder from Bank of America to specifically let me know when the 0 % Promotional APR ends. 

In XX/XX/XXXX, I accidentally found my credit card was charged of {$88.00} for the interest. 

On XX/XX/XXXX, I went to the BOA branch in XXXX XXXX, NY and paid off all of my existing balance of {$7400.00}. Then I called BOA customer service to see if I can request a reverse of the interest charged, but my request was declined. 

On XX/XX/XXXX, I made another payment for the new balance of {$300.00} online. Then I called BOA customer service again to request a reverse of the interest charged, but my request was again declined. 

I was trying to explain that Bank of America had never sent me any type of notification or reminder to specifically alert me of the date that the 0 % Promotional APR of my credit card ends. If I were notified of the ending date of the 0 % Promotional APR, I would have paid off all the balance in time to avoid high interest rate. 

As a consumer, I feel its unfair for the bank to ignore or fail to notify or alert the consumer about the critical timeline/date that have a dramatic impact on their interest/benefit such as change of the interest rate. Their failure to do so is apparently an action of taking advantage of their consumers. I hope Bank of America can fix their policy to prevent this problem.
Consumer complaint received 2023-03-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (NM)

Me and my father who is deceased now purchased a car back in XXXX from XXXX XXXX XXXX it was a XXXX XXXX XXXX he was my cosigner for the car it was financed threw wells fargo auto loan and since my parents passing I have moved around so my mail hasn't caught up to me I received a letter in mail but it never got to my hands it was addressed to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX of XXXX XXXX XXXX XXXX XXXX nm I would like to know if I am entitled to any part of the lawsuit they had in XXXX XXXX my had been repossessed with a lein and towed by XXXX XXXX of XXXX nm I would like to know if there's anything wrong with what happened in which I never received any letters or phone calls in briefing me about the situation since my parents passing its hard to get the info from wellsfargo since it's been so long they give me no corporation in the account info
Consumer complaint received 2023-03-10
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (NC)

My wife and I are in the last stages of refinancing our home in North Carolina. We are working with United Trust Bank for the refinancing. Back in XXXX of XXXX  we did a loan modification through U.S. Bank, due to XXXX  XXXX and being out of work. Everything was going well with the loan modification until we got to the title. Our loan payoff amount is {$120000.00} and the modification or partial pay is {$41000.00}. The payoff we received from U.S. Bank matched those numbers exactly. When the title company did a search on the title, they found that the VA was also on the title as a possible lien holder, and it looked like a double payment of {$41000.00} plus the {$120000.00} was due. We contacted the VA and were told that they never approved this action. They also commented that U.S. Bank had sent them the paperwork twice, but it was sent back because it was incomplete and never received anything more from U.S. Bank. U. S. Bank anticipated approval from the VA and went ahead with the title recording. We have contacted the bank numerous times with no luck in getting this removed.
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (PA)

Check # XXXX, drawn on the account of XXXX XXXX XXXXXXXX in the amount of {$3500.00} was processed and cleared on XX/XX/2023. 

Check # XXXX was deposited into my PNC account on the same date. 

On XX/XX/2023, PNC withdrew the funds from my account. 

PNC never returned the funds to XXXX XXXX XXXXXXXX. 

Despite numerous telephone calls and in-person visits to PNC, and the passage of 2 months, they have never even reached out to resolve this problem. I am a customer of 40 years with large deposits in my accounts.
Consumer complaint received 2023-03-10
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: BMW Financial Services NA, LLC (TX)

I am a victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX BMW FINANCIAL SERVICES XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2023-03-10
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: WELLS FARGO & COMPANY (TX)

I am a victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX WELLS FARGO DEALER SVC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2023-03-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the validity of several accounts that have been reported on my credit report. The accounts in question are : XXXX XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Collection Account US BKPT CT FL XXXX XXXX U.S. Bankruptcy Court XXXX I believe that the reporting of these accounts is in violation of several laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

According to the FCRA, all information reported on my credit report must be accurate, complete, and verifiable. I have reason to believe that the information reported on these accounts is inaccurate and incomplete. Additionally, the FDCPA requires that all debt collectors treat consumers fairly and prohibits certain practices, such as harassment and misrepresentation. I believe that the reporting of these accounts may be a violation of the FDCPA.

Therefore, I am requesting that you investigate these accounts and provide me with evidence that the reporting is accurate, complete, and verifiable. If you can not provide such evidence, I request that you remove these accounts from my credit report.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-10
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: LAKEVIEW LOAN SERVICING, LLC (NJ)

In accordance with the fair credit reporting act XXXX  Account has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-03-10
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: NAVY FEDERAL CREDIT UNION (AL)

In Accordance with The Fair Credit Reporting Act XXXX  Accounts # XXXX ; # XXXX and XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for purpose.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-02-04
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. (PA)

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 U.S.C 1681 XXXX XXXX XXXX XXXX Credit report Experian XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Consumer complaint received 2022-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX; XXXX XXXX; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX Balance : {$85.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX OF XXXX ( XXXX XXXX : XXXXXXXX XXXX XXXX ) XXXX XXXX : {$1200.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2020-12-30
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. (NC)

Experian RE : XXXX XXXX Dear Experian, This letter is a second request based on new evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. Scott v. the United States, 328 F.3d 132, 139 ( 4th Cir. 2003 ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; a detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, p. 966 ( XXXX XXXX. XX/XX/XXXX ). The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease, reporting inaccurate information about me to any CRA. For your convenience, I have listed the inaccurate items below : Please UPDATE THE PAYMENT HISTORY of the following inaccurate item. XXXX XXXX XXXX XXXX NEVER LATE. THE INFORMATION BEING REPORTED IS OUTDATED AND CONTAINS ERRORS I hereby request you to make the changes within 30 days to avoid any Violation of the FCRA. Please send me a copy of the changed credit report at the earliest convenience. TRW Inc. v. Andrews, 534 U.S. 19 ; 122 S. Ct. 441 ; 151 L. Ed. 2d 339, ( 2001 ). - Under the Fair Credit Reporting Act, the statute of limitations generally begins on the date the liability arises, not when a party knows or has reason to know that he was injured. An exception occurs when the defendant " has materially and willfully misrepresented any information required under this title [ 15 USCS 1681 et seq. ] to be disclosed to an individual and the information so misrepresented is material to the establishment of the defendant 's liability to that individual under this title [ 15 USCS 1681 et seq. ] '' The statute of limitations runs for two years after the discovery of the misrepresentation. 15 USC 1681p Fair Credit Billing Act ( 15 U.S.C. 1601-1666 ) Its purpose is " to protect the consumer against inaccurate and unfair credit billing and credit card practices sincerely, /s/, XXXX XXXX
Consumer complaint received 2023-02-04
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 Key
Consumer complaint received 2021-12-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lewis, McDonnell & Associates (MS)

I have filed numerous disputes against this item that is being reported on my credit report. I have lived in XXXX XXXX  since XXXX of XXXX. Lewis McDonnell & Associates has reported that I opened an account XX/XX/XXXX which is false information. Its states that the company is XXXX XXXX but when I contact Lewis & McDonnell & Associates they provide me with a different date. I have asked for information to mailed to me but the company has not done this at all. They provided me with an old address that I moved away from in XXXX in XXXX XXXXXXXX XXXX  Non of there information correctly matches any of my information but they say I would have to file a police report to dispute. Theyre telling me the account comes from XXXX but its been reported to the credit bureau as XX/XX/XXXX so that can illegally affect my credit score. I would like to receive a copy of the original signature. They have a copy that shows a computer draft signature which clearly doesnt match my signature. This company is a fraud and is trying to rip off people by destroying their credit.
Consumer complaint received 2023-02-04
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. (IL)

On XX/XX/XXXX I submitted a letter to XXXX and EXPERIAN disputing the accuracy of several accounts that showed inaccurate and missing information according to my 3 bureau XXXX report dated XXXX XXXX. On this letter I highlighted several inaccuracies with a XXXX XXXX account # XXXX. This letter highlighted that there were SEVERAL errors on this record that did not match what was being reported on any of my records or even the other bureaus. Their response twice, dated XX/XX/XXXX, and then again on XX/XX/XXXX, was what appears to be a stall tactic. A template letter applauding me for my efforts to correct incorrect information on my report. This letter is circulating all over social media because they send it to everyone in what appears as an effort to discourage and deprive us of our right to have an accurate profile with their company. I have sent a total of 5 separate dispute letters with detailed information about specific accounts on my consumer report and some haven't even so much as been updated to " in dispute ''. I saw where the CFPB released a report on XX/XX/XXXX of XXXX about the three bureaus and in that report you showed that these companies failed to provide substantive responses to consumers.
Consumer complaint received 2023-02-04
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The Experian credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : OK XXXX XXXX XXXX XXXX  Balance {$900.00}
Consumer complaint received 2023-05-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: NAVY FEDERAL CREDIT UNION (FL)

I have a personal secured loan with Navy Federal Credit Union, originated in 2018. Since that point I have been mostly current with the loan, missed a payment or two due to employment or XXXX and had a couple of temporary month or two deferrals during the life of the loan which I was told would extend the loan by that month or two. 
I have a buyer for the RV who has been renting it and has been faithful. I need to get him a purchase price. When I looked at the balance it had not been reduced by much. After 4 + years the loan has only been reduced by approximately XXXX in principal. I have asked the Credit Union multiple times through my online account to please call me to discuss. I had them send an amortization schedule which shows a near two year period of time when payments were being made but nothing was being credited to principal, all was going to interest. I have asked a CPA to look at this and he is confused. Noone has called me, they only have said that 'at the beginning of a loan, payments mostly go to interest, to which I of course agreed BUT please look at the amortization schedule, it makes NO SENSE. An online tool at www.bankrate.come shows if I had made all payments and no deferrals were given would have the balance at approximately XXXX not XXXX.
Consumer complaint received 2023-02-04
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)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance {$660.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance-
Consumer complaint received 2021-12-29
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. (TX)

I had tried to explain to Experian that the Account XXXX XXXX is fraudulent. I have even sent out police reports to Experian as well as cover letters and copy of my personal documents nothing has been done, they have chosen to keep the account. They will not even validate the account with any information given to me. This my 3rd attempt in trying to get this fraudulent item of my report. I have followed all the guidelines and still no support. I need this account deleted as it is having a huge impact in my life emotionally and financially.
Consumer complaint received 2023-02-04
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. (MD)

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-10
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: DISCOVER BANK (TX)

There is a fraudulent Discover credit card on my credit report. I have recently had my personal bank accounts levied with a court ordered judgment by a third party receiver, XXXXXXXX XXXX XXXX attorney at law. My accounts have been wiped out to pay for this fraud. The documents provided to me indicate from XXXX  as to which I was never served these documents of law suit. I am currently at my wits end not knowing what to do to get this resolved.