davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: United PanAm Financial Corp. (FL)

I recently noticed that I am a victim of identity theft, and I am requesting an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit information or applications will be approved or issued until the lender first verified my identity.Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS
Consumer complaint received 2023-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (CA)

I applied for the Barclays luxury black card and received a letter for me to call and confirm that I have applied for the card. I called them, and confirmed that it was me, and they told me that there is a block on my account, and that some other department will call me back and resolve this issue. I get no call back after waiting for more than 2 weeks, so then I call back, and I know there is an annual yearly fee of XXXX dollars, which I tried to make a payment and they said that there is still a block on my account and that I wouldn't be able to pay it. Mind that I still haven't received my card and have absolutely no information or access to this account, the least I thought I could do was pay the yearly fee. The reason of my complaint is that they reported my credit report/ credit bureaus as 30 days late. After seeing this 30 days late I called them, and they tried to resolve this issue because it wasn't my fault that this happened. At this point I am very upset and i told them to close the account because I don't want anything to do with them. They said they closed the account and will remove the annual fee and also said they'll notify the credit bureaus, and that I have nothing to worry about and how this is their fault, as well as reverting that late and all will go back to normal. The whole point in which why a late was put was because it was their fault claiming I couldn't pay the fee. As I said once already, I HAVE NO ACCESS TO THIS ACCOUNT. After speaking with them ( XX/XX/XXXX ) and thinking this issue would be resolved, I check my reports on XX/XX/XXXX and see that they put 60 days late on my report. So, I call them again thinking they would stop this nonsense, but they claim that it will take 2 months or so to get it resolved. I'm not trying to wait another 2 months and see my credit score go even more low than it already has, and my credit limits decreasing on all the other accounts, ruining the perfect credit score that I did have!!! Please if there is any hope to get this resolved within a good time frame that would be great. Thank you.
Consumer complaint received 2024-03-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (TX)

At approximately XXXX XXXX XXXXt on XXXX XXXX my security arrived at the proper location, set to attention to XXXX XXXX XXXX the trustee of the account holder receiving my security. I was instructed that the right personnel would be sure that my property get to XXXX XXXX. 

On XX/XX/2024 at XXXX XXXX XXXXt I made a phone call to XXXX  and there was no answer so I left a voicemail, simply to make sure she in fact received my property safely. I called a second time to try and reach her on the line but nothing again, so I left a second of voicemail. I called every other day following to double check the arrival of my registered security with no answers. I then proceeded to email someone who I could potentially get help from. I emailed the XXXX  XXXX  department as well as XXXX 's email starting on XX/XX/XXXX. Then again on the XXXX with calls made in the mean time as well. All of which I received no responses to. The only reply I at some point on XXXX, XXXXXXXX XXXX  received was an email from XXXX XXXX stating that she would be out of the office and to email any correspondence to her colleague XXXX XXXX. I followed the request and reached out to XXXX and still no replies no responses no answers, I sent two letters as well. Due to these avoidances I am led to believe there is potential securites fraud being committed against me. I am seeking resolution in this matter immediately. I did my due dilligence to get in contact with the XXXX XXXX, specifically XXXX XXXX, but have failed to do so. I can provide the necessary documents timed stamped and or tracking. I simply need help upholding the justice due me in regards to my registered security, Thank you.
Consumer complaint received 2024-06-03
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. (MI)

For the last three years, I have disputed a bankruptcy reported on all three credit reports ( Experian, XXXX, and XXXX ). I haven't received any correspondence from the reporting agencies about why it can't be removed. I understand it is a public record, but I did not permit for the credit reporting agencies to place it on my credit report. I have a letter from the United States Bankruptcy XXXX XXXX XXXX of Tennessee stating they did not permit the bankruptcy to be reported to all three credit reporting agencies.
Consumer complaint received 2024-05-02
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. (GA)

I have disputed several accounts with Experian, most of the accounts stem from the XXXX XXXX. A lot of these accounts were charged off and paid via XXXX XXXX XXXX. I have disputed them several times with Experian and their updates yield no results after their investigation. They say that they have updated the accounts, but there is actually no exchange, except maybe the wording that says I disputed it. These accounts say there are closed and written off, when they are in fact paid in full or settled. Also, some have payment amounts that appear to be inaccurate.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (CA)

1099 REQUESTED WITH NO RESPONSE. BILL CAN NOT BE PAID. MEDICALLY UNABLE.

ACCOUNT NUMBERS DONT EVEN MATCH AND INFO IS INCORRECT.

\ 15 U.S. Code 1692c 15 USC 1681 e ( b ) Accuracy of report 15 USC 1681 1i ( 5 ) Treatment of inaccurate or unverifiable information 15 USC 1681 i ( 7 ) Method of verification 15 USC 1681 B permissible purpose Since fraud has picked up so much I will only reply bye email or if I am in an office in XXXX
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (MI)

Every time I log in to Experian 's website, a " free '' trial that requires payment information is offered right after login. This is a tactic known as " dark patterns '' where a website will trick you into signing up for paid service you may not want or need. 

This is extremely unethical behavior and can cause consumers who simply want to put a federally mandated free fraud alert or credit freeze on their report to pay for an identity theft service. 

When opening up a bank account or credit card, you typically have no choice but to have your personal information sent to the credit bureaus. These credit bureaus have a responsibility to not deceive consumers when it comes to viewing their credit report or controlling their credit freeze. 

To add on to this, Experian 's mobile site makes it difficult to locate where you can submit a credit freeze but makes it very easy to find their " XXXX '' program which requires a paid subscription. 

These Dark Patterns hurts the standard consumer as well as victims of identity theft. While I am sure that these paid services can provide value, Experian is deliberately hiding free tools and services that are federally required to be free.
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I applied for an XXXX XXXX Credit card. My intention was merely to improve my credit score score. XXXX XXXX required that the initial contract was that pay monies that would be in escrow and returned back to me after a certain length of time. As time progressed, it got close to me collect my XXXX or more ( escrow ) along XXXX  Sent mailed me a check for {$160.00}. THEY STATED THAT MY ACCOUNT WAS SATISFACTORY PAID. XXXX XXXX SOLD MY INFORMATION TO ANOTHER BANK UNDER THE SAME NAME. I BEGIN TO SEE ON MY CREDIT REPORT WITH ANOTHER XXXX ACCOUNT I HAVE NO KNOWLEDGE ABOUT NOR DID I SIGN A CONTRACT WITH THIS BANK. I DISPUTED ON XXXX NUMEROUS OF TIMES. XXXX REFUSE TO REMOVE THIS DEROGATORY CHARGE. XXXX
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (NJ)

Upon further investigation I have discovered the creditor is claiming to have charged-off this account. Considering it is almost tax season and I would be committing tax fraud if I did not claim this charge off on my taxes. I am writing this correspondence to request my 1099-C that is associated with this charge off that is in your books. This has been owed to me because the debt that you charged off was more than $ XXXXBecause the 1099-c becomes taxable income for me and income does not belong on credit report, this account must be removed from my credit reports or updated as paid in full immediately after my receipt of the 1099C for this charged off debt. Charged off debts means the debt has been forgiven or paid by insured bond.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Experian claims that by creating an account a user has ability to Freeze or UnFreeze their credit report inquiries for FREE. However, as a long time paying customer, they recently increased my membership and listed top of the list, that if I downgrade to Basic Free membership, I would loose this : Experian XXXXXXXX XXXX XXXX credit file will be unlocked, leaving you more vulnerable to fraud. 

That is FALSE misleading information or their other page listing that Freeze/UnFreeze is FREE is FALSE misleading. https : //www.experian.com/freeze/center.html Of the 3 credit controlling companies, XXXX, XXXX and Experian, Experian is the ONLY account that appears to mislead customers into thinking they may have to pay for this basic free service. 

See this page as well is then Misleading vs. the XXXX Here : XXXX XXXX XXXX
Consumer complaint received 2018-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

Please remove the following fraudulent inquires from my Equifax credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-16
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. (KY)

XXXX Account Number - XXXXTo Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Consumer complaint received 2024-06-03
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)

I wish to dispute the following information found on my Experian credit report. I was a victim of ID Theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I've already filed an FTC report.The inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I consistently make on-time payments. I'm confident about this. What I'm unsure about is why this company is reporting me as late in certain months, which shouldn't happen. According to USC 1666b, any billing errors should be corrected, otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-05-02
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: CITIZENS FINANCIAL GROUP, INC. (SC)

Citizen Pay reported my account XXXX, 120 days delinquent to the Credit Bureau in XX/XX/XXXX - XX/XX/XXXX for some extra equipment received from XXXX XXXX XXXX. I did not receive any additional equipment from XXXX. After numerous calls to Citizen Pay and XXXX XXXX XXXX Management, XXXX sent me a credit letter via email for the billing delinquent error from Citizen Pay. I forwarded this credit letter from XXXX XXXX to Citizen Pay and requested for them to stop reporting me delinquent to the credit bureaus. My verbal contract with Citizen Pay is to pay {$62.00} dollars per month for financing of the alarm equipment and I have been forwarding the payments via XXXX XXXX from my bank for 12 months. I need CFPB to reverse these XXXX erroneous delinquency off my credit report from Citizen Pay. The erroneous reporting from Citizen Pay and XXXX XXXX system affected my credit ratings at the XXXX Credit Bureaus and the negative reporting has affected me in obtaining favorable mortgage refinancing.
Consumer complaint received 2024-05-02
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. (GA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts contain inaccurate information. I am entitled to receive {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2019-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (NC)

I am having trouble with Fedloan Servicing and its reporting of fair, accurate and complete information per guildlines of FACTA/FCRRA to the credit reporting agencies XXXX, XXXX  and XXXX, regarding the six ( 6 ) student loan accounts. I have submitted multiple disputes with the said credit reporting agencies, only for the information in question to return back verified, from the agencies. In the attachments you can see that they are reporting multiple late payments in excess 120 days in addition to comments designed to further hurt my credit score. Furthermore, Fedloan Servicing has also taken steps designed to further damage my credit by submitting that there is a Freeze, on my credit file. It is in my strongest opinion that I believe Fedloan Servicing to be in multiple violations of FACTA/FCRA. I am submitting proof that my account at that time, beginning XX/XX/2016, was in forbearance/deferment which would show that the negative reporting in fact are incorrect. Once forbearance/deferment is granted, it is good for twelve ( 12 ) months. At the end of the twelve ( 12 ) month period if one chooses to remain in the program, an addition application is to be submitted. In addition, as evident in my attached credit reports, Fedloan Servicing is failing in its reporting of complete information, as there is a number of months of unavailable account information, being reported. The failure of the company to report fair, accurate and complete information per the FCRA has severely impacted my ability to build relationships and obtain credit from other lenders/financial institutions. I have tried on mulitple occasions to have the XXXX, XXXX  and XXXX remedy these errors
Consumer complaint received 2024-05-02
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. (FL)

15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S.Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!
Consumer complaint received 2024-05-02
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. (GA)

I am writing to dispute the accuracy of account information regarding Account Number XXXX, reported on XXXX. XXXX, 2024. 

Key discrepancies : 1. Monthly Payment : Incorrectly reported as {$0.00}.

2. Payment History : Details on last payment date, current payment status, and worst payment status need clarification.

3. Account Status : Derogatory status and remarks about repossession require validation.

Please conduct a thorough investigation and provide documented proof supporting the reported information. I expect a written response within 30 days, as per the Fair Credit Reporting Act ( FCRA ).

Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-02
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)

It's required by FCRA XXXX that we remove any incorrect accounts from my credit report. Would you please review the documents? Some of the listed accounts are inaccurate in terms of reporting. I should receive XXXX for each inaccurately reported item on my credit file.