davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (TX)

I have recently been scammed on XXXX XXXX out of {$8000.00} on XX/XX/XXXX. I foolishly trusted an individual on their word about a vehicle purchase and they were disguised as a legit car business. They sent over a document of the title with my name and card details so I believe it. They promised that once I send the money they would be delivering the vehicle to my address and sent me a tracking record. Every time I sent a payment they requested more because of certain documents. Once I realize it was a scam, which was too late. I begged for my money back and they keep saying theyre gon na give me a refund, but I havent heard back and then they keep asking me to complete the purchase in order for me to get the vehicle, but I have already sent them so much money and also knowingly. It is a scam. I disputed it to my bank and made police report. However, the bank denied my dispute claims even though I sent them the police report as well. I understand that I authorized this but I Immediately called the bank to try and have some kind of resolution. Please Help!!!
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (IL)

There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to small claims court to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belongs to me without providing proof as requested. This is causing me great stress and if this is not fixed asap, I will be suing ALL.
Consumer complaint received 2024-07-25
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. (DE)

Subject : Dispute Regarding Fraudulent Accounts - Violation of Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, DE XXXX XXXX XXXX Experian, XXXX, and XXXX Dear Sir/Madam, I am writing to dispute the accuracy of several accounts appearing on my credit report, which I believe are fraudulent and violate my rights protected under the Fair Credit Reporting Act ( FCRA ). As a consumer, I value my right to privacy and the accuracy of information reflected in my credit report. Upon reviewing my credit report, I have identified the following fraudulent accounts : XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$53.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$3600.00} XXXX. XXXX XXXX - Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$3800.00} XXXX. XXXX - Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$6500.00} These accounts were opened without my knowledge or consent and are the result of identity theft. I have filed a complaint with the Federal Trade Commission ( FTC ) regarding these discrepancies, and I have attached a copy of the complaint for your reference ( FTC Report Number : XXXX ). 

Under the FCRA, I am entitled to accurate and fair reporting of my credit information. However, I have identified potential violations in the reporting of these accounts : 1. [ ] 15 U.S.C. 1681 Section 602 A : Right to privacy.

2. [ ] 15 U.S.C. 1681 Section 604 A Section 2 : Furnishing of accounts without written instructions.

I request the immediate removal of these disputed accounts from my credit report as they are inaccurate and unfairly represent my credit history. Given the nature of these discrepancies, I believe these accounts to be fraudulent.

Failure to rectify these discrepancies may result in legal action, as provided by the FCRA. I trust that you will conduct a thorough investigation into these matters and provide a prompt resolution. Kindly provide written confirmation of the actions taken regarding this dispute.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX **Attachments : ** XXXX. FTC Identity Theft Report ( Report Number : XXXX ) XXXX. Supporting Documents
Consumer complaint received 2019-01-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC. (AL)

XXXX XXXX XXXX billed me XXXX sometime in XX/XX/2018. I called them to make payment arrangements. They stated that within 2 months I could initiate payment arrangements by sending them {$500.00}. Then I could make monthly payments of XXXX. I mailed them XXXX as a XXXX payment. I called them again to make the payment arrangements. XX/XX/XXXX, I paid them XXXX. They sent me another bill and it stated that if I didn't pay the entire balance it would be sent to a collection agency. I called them again and stated that we had made payment arrangements, that I was to pay XXXX per month for a year. She said okay. In XXXX, I sent them a check for XXXX which they cashed on XX/XX/XXXX. They sent me a statement to pay the balance or they would send it to a collection agency. I called them again and stated that I didn't understand. We had made payment arrangements. I am paying them XXXX, which was the amount they decided ; why would I come up with a number like that? They said, oh ... .it 's because you did not submit a debit or credit card number. I told them I don't give out debit or credit card numbers. I told them that I had a credit score of over 800 and I would faithfully pay them the amount we agreed upon, and she said okay, and she would  make a note of it. On XX/XX/XXXX they cashed a check for XXXX. On XX/XX/XXXX, I received a letter from a collection agency. I could have borrowed the money to pay them off, if I knew they were going to send it to collections. I would prefer to stick to the original interest free payment. It was my understanding we had payment arrangements. I can not afford for them to ruin my credit. I paid them what we had agreed to, but yet they have threatened to ruin my credit score by sending my account to collections because I refused to give them my credit or debit card. This is unfair! 
I pay my bills on time! And I have paid them on time, and they should stick to the original agreement!
Consumer complaint received 2019-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NV)

I AM REQUESTING THE REMOVAL OF MY SECURITY FREEZE FROM MY CREDIT REPORT. THIS IS MY THIRD REQUEST TO HAVE MY ACCOUNT UPDATED PROPERLY. THERE IS AN ACCOUNT ON FILE FROM XXXX   XXXX XXXX. ( XXXX ) NOT SURE HOW THEY GOT THIS ACCOUNT IN THEIR OFFICE IT OBVIOUSLY WAS NEVER VERIFIED BECAUSE THEY WOULD HAVE SEEN IT WAS A FRAUD COMPLAINT ALREADY FILED AGAINST THE ACCOUNTS. PLEASE DELETE BOTH XXXX # XXXX, # XXXX. I have attached a copy of my current and only address from the DMV print out as PROOF of my ID and address. I am addressing this issue to all 3 credit Bureaus.
Consumer complaint received 2018-11-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I agreed to purchase tickets at a set amount of {$300.00} to a seller on XXXX who asked to use XXXX as a method of payment on Thursday XX/XX/2018. The seller mentioned that he has XXXX XXXX, and since I bank with XXXX, it seemed like a safe way to transfer the funds. Thinking XXXX is backed by the banking system, I agreed to transfer the funds to purchase the tickets. Once I transferred the money to the seller 's account, the seller was supposed to transfer the tickets to me online via XXXX accounts. Unfortunately, the seller then proceeded to decline all my phone calls to rectify the situation and now I am at a loss of {$300.00} with no way to reverse the transaction due to fraud and scam. I also have reported the fraudulent ad to XXXX for removal, while saving screenshots of the seller 's fraudulent ad.
Consumer complaint received 2018-10-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: YSA ARM LLC DBA Oxygen XL (CA)

I found a collection on my credit report at XXXX. 
I was never contacted by mail, email or phone to be informed that there is a debt. 
I was not contacted by original creditor that a debt exists, no invoice sent and no details on nature of debt. 
Collector failed to notify me with debt as per act of fair debt collection. 
I was not informed that there is an action to be taken. 
I requested details and provided contacts information. 
I contacted original creditor and they informed me that account is closed and there are no outstanding. 
i didnt receive details and collector offered to pay 40 % and close the debt. 
I Communicated in written email to collection inquiring details of debts and proof of debt. 
Collector failed to deliver details in 30 days after 48 days from sending the request i received bills with the following problems : 1- documents showing my signature as a guarantor to a different company other than the one requesting collection.

2- the bills provided showing as collected from bank and original creditor had blank check and had access to deposit or withdraw 3- summary for months in debt had no support and no bills showing the amounts claimed. 

I raised a dispute at XXXX and they propose to raise a claim at your site. 
collector asking for collection of 50 % without providing evidence of original debt is considered as a harrasment trying to push me to pay any amount to get rid of issue. 
using a different guarantor form other than the legal name shown on original collector is a fraud in using my information and claimig that they followed act of fair debt collection,
Consumer complaint received 2019-02-23
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (FL)

I was approved for Income Driven Repayment plan with a XXXX  a month base on my income and family size but now Im in school. While I was approved for IDR it shows that I was late which I was not because I had a XXXX monthly payment I always reinstate the plan before time so I wouldnt have problems or be late
Consumer complaint received 2024-09-10
Product: Credit reporting 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)

On the months of XX/XX/year> and XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX has reported late payments to my consumer credit report without my written permission and refused to remove it when I informed them about it. In accordance with the Fair Credit Reporting Act XXXX has violated my rights under 15 USC 1681 section 602 states I have the right 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. Under 15 USCS 1666b a creditor may not treat a payment on a credit/loan account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-10-01
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

I received a text message on XXXX XXXXXX/XX/XXXX that there were attempted charges on my card. I responded to the text that I did not make those charges. I then called the number provided to confirm that I did not make XXXX fraudulent charges on my card from the XXXX XXXX location. 

They confirmed that I would not have to worry as these charges were flagged. 

Today, on XX/XX/XXXX, I received an email that my XXXX 's bill was available. Upon checking, I saw that those XXXX fraudulent charges, as well as another fraudulent charge from XXXX was on my bill. 

Upon calling them again to confirm why these were still on the account, they said that they would issue me a new card. There was no resolution about how to dispute the charges, XXXX XXXX as lost/stolen so that I could dispute the charge, or anything to help in this manner. 

The total balance is at {$560.00} and I did not make any of those charges. The card hasn't been used since XX/XX/year>.
Consumer complaint received 2019-01-21
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 (FL)

I HAVE ASK FOR PROF FROM BARCLAY THAT THESE CHARGES WERE MADE BY ME THEY HAVE YET TO SEND ME PROF OF ANY PURCHASE MADE IF THEY CANT SEND PROF I WANT IT REMOVED FROM MY CREDIT REPORT BY LAW THEY MUST SEND PROF
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS (CT)

I am writing in desperation regarding an issue that has been dragging on for about XXXX years now, and I am at a complete loss as to what to do. There are old accounts on my credit report that I know for a fact are not mine. I have tried to resolve this over and over, but it feels like no one is listening to me. I originally disputed these accounts several years ago and requested a response in writingyet, I never received XXXX. I even took the extra step of filing my appeal online, thinking that might help, but I still got no response. Each time I call, Im told a response is on the way. The last time I called was about XXXX months ago, and stillnothing. Ive spoken to multiple representatives, and they all say the same thing, but nothing ever happens. Its like Im caught in an endless loop of promises that lead nowhere. Im old, and I dont understand how this has gone on for so long without any resolution. Im confused, Im frustrated, and frankly, Im starting to feel desperate. How can a company responsible for ensuring the accuracy of reports allow such glaring mistakes to go unresolved for years? Ive done everything I can, and I just dont know what else to do at this point. Please, I need this matter addressed. I am requesting a prompt and clear response in writing as soon as possible. I dont want to feel like Im shouting into the void anymore. 

I am writing in desperation regarding an issue that has been dragging on for about XXXX years now, and I am at a complete loss as to what to do. There are old accounts on my credit report that I know for a fact are not mine. I have tried to resolve this over and over, but it feels like no one is listening to me. I originally disputed these accounts several years ago and requested a response in writingyet, I never received XXXX. I even took the extra step of filing my appeal online, thinking that might help, but I still got no response. Each time I call, Im told a response is on the way. The last time I called was about XXXX months ago, and stillnothing. Ive spoken to multiple representatives, and they all say the same thing, but nothing ever happens. Its like Im caught in an endless loop of promises that lead nowhere. Im old, and I dont understand how this has gone on for so long without any resolution. Im confused, Im frustrated, and frankly, Im starting to feel desperate. How can a company responsible for ensuring the accuracy of reports allow such glaring mistakes to go unresolved for years? Ive done everything I can, and I just dont know what else to do at this point. Please, I need this matter addressed. I am requesting a prompt and clear response in writing as soon as possible. I dont want to feel like Im shouting into the void anymore.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MI)

LexisNexis Risk
Solutions Consumer Center
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX: Urgent CFPB Complaint Filed

RE: INCOMPLETE, INACCURATE, UNVERIFIABLE PUBLIC RECORD! - DELETE!

Dear LexisNexis,

I have recently looked at a copy of my credit report and see that you still provide inaccurate information about a couple of bankruptcies that were filed. It is my understanding that this information has to be reported correctly or else it has to be removed. I think you are aware of this fact as well, which is why I am confused as to why YOU is still reporting this information to the credit bureaus. I have already spoken with the courthouses in which these bankruptcies were filed. I know that they did not provide you with this information as they explicitly stated that they don't report information to anyone. But I guess you use XXXX  to obtain your inaccurate information from public files. Well if you did your due diligence and obtained the correct information, you would see that the information that you are reporting in regards to these bankruptcies is extremely inaccurate. They were both DISMISSED and never DISCHARGED! My credit is being negatively impacted due to your neglectful reporting and I would appreciate it if you removed these bankruptcies from your system. It is not fair that you can simply snoop around and report only half-truths and cause so much distress.

Bankruptcy - XXXX  
The bankruptcy information in my credit file is a result of the unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission (FTC) is currently investigating the matter. Additionally, the information on my report does not comply with Metro 2 credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information, and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer: 15 USC 1681 Section 602 A: Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2: Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c(a)(5): States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s2(A)(1): Prohibits furnishing information known to be inaccurate.
Consumer complaint received 2024-10-01
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: TD BANK US HOLDING COMPANY (SC)

XX/XX/XXXX, I had unknown and unauthorize charges on my account. The company " TD Bank '' removed XXXX charge for the lesser amount of {$11.00}, the XXXX charge for higher amount of {$100.00}, TD Bank refused to remove. TD Bank close the card that was compromised and issued me new cards. The XXXX charged happen on the compromised card, TD Bank transferred the {$100.00} charge to the new card. TD Bank stated to me, the XXXX charge can not be disputed because is it XXXX 's policy : since I had done business ( XXXX prior ) and approved charges with this company " XXXX '', that I was not able to dispute the charge. I contacted XXXX, they keep telling me that they have refunded the amount to the same card. In XX/XX/XXXX I paid the original amount of {$100.00}. XX/XX/XXXX TD Bank refuses to remove the late fees and interest charges in the amount of {$200.00}. I have fully paid this account now. This XXXX account has caused my credit score to drop, it has caused my interest rates on my loans to go up. I have had this account with TD Bank since XXXX, never have I missed a payment, nor have I carried a balance.
Consumer complaint received 2024-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (FL)

I have contacted Experian and notified them dispute INCORRECT late payment ENTRIES on my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. I had asked them to investigate the following information and correct the inaccuracies at their earliest convenience as these account has never been late. 

Details of Disputed Accounts Entry : 1. XXXX XXXXXXXX XXXX Account Number : XXXX Date reported late : XX/XX/year> XXXX. XXXX XXXX XXXX  Account # XXXX Date reported late : XX/XX/year> I have reviewed my records and confirmed that this payment was made on time. I appreciate your PROMPT attention to this matter and look forward to your response within the XXXX-day period required by law.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CT)

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 3 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 Balance : {$13000.00}