davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST CITIZENS BANCSHARES, INC. (SC)

I mailed payments for my VISA and over draft protection on XX/XX/2021 via USPS Priority Mail, tracking number : XXXX. Tracking indicates it was picked up from the Post Office on XX/XX/2021 but not posted to my credit card balance until XX/XX/2021. 

I contacted First Citizens and was told I had to allow the time to sort, etc. This is incorrect as XXXX Payments clearly states. 

( a ) General rule. A creditor shall credit a payment to the consumer 's account as of the date of receipt, except when a delay in crediting does not result in a finance or other charge or except as provided in paragraph ( b ) of this section. 

I have also requested them to close my account which they have refused to do.
Consumer complaint received 2021-08-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over sixty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed.

I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!
Consumer complaint received 2021-08-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC (OH)

I bought this car with my ex husband back in XX/XX/XXXX. 2 years later we got a divorce and the car was rewarded to me in the divorce leaving my solely Responsible for the debt thereon to prestige and or any payments which may Become due for the use operation and maintenance or financing of said vehicle and shell hold her husband harmless from any of the cost there on. That statement was directly quoted from the divorce papers. That statement has never happened. I have tried many times to make it possible to make me and only me solely responsible for the vehicle even though I have been the only one to pay the payments, maintenance and tag renewal of the car. 

The current situation I am in is I have moved stages, from XXXX  to XXXX, where I am currently trying to get the car titled. The issue that I am having is that the state is stating that he has to be present or sign a power of attorney paper, which he is refusing, for me to be able to transfer the vehicle. Due to the information in the divorce decree, this statement should not apply to my situation. The car company i.e. the loan company, has stated to me that not only is the divorce decree invalid in regards to getting this information changed but will not be changed even if the car is paid off. With this being said I am now unable to get the car licensed tagged and or updated in regards to the tags for the state of XXXX. I am unable to do this because of them being unwilling to follow the divorce decree which has been filed and processed to the state of XXXX. Along with the information stating that I am financially responsible there is also information in divorce decree that states, the husband shell execute any title or transfer documents, if necessary, pursuant to this agreement.. Based off of the last bit of information that I was informed of, my ex-husband is still getting information from this company, prestige, about every payment I have made from the time of the divorce thats up until the most current. 

I have recently tried to contact the car company to ask for any and every advice they might have. I have called on : XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XXXX. I have received no responses from the attempts I have made to the loan company. I now have expired tags that I can not update due to him having to be present, or sign the paper he refuses to sign, and has me unable to XXXX by state laws. I would just like the car to be solely mine like the court order states so I can transfer the car and move on with my life.
Consumer complaint received 2021-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

This Mortgage account was paid on time and never late. I was made aware the mortgage was sold to a new lender via USPS and did exactly what both lenders advised me to do. I assume this was reported as late due to an admin error. They reported a payment as late.
Consumer complaint received 2021-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have inquiries on Transunion that are not recognized. I contacted Transunion customer service and they did not delete the negative inquiries. Below I have listed these inquiries.

1 ) XXXX  2 ) XXXX/ XXXX XXXX 3 ) XXXX/ XXXX  4 ) XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX
Consumer complaint received 2021-08-15
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: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, after reviewing my consumer report, I was made aware that Inquires that do not belong to me are on my consumer report : After Finding I Do Not Consent To, Authorize, Nor Benefit From Any Of The Following Inquiries. I also filed an Ftc Identity Theft Report To Have Them Blocked & Removed. 

This report has been sent to Experian over 30 days ago, and the inquires have not been removed. 

This information was sent via certified mail along with a green return receipt. An employee of Experian accepted my dispute package by XXXX XXXX. 

The inquires in question are : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX US SMALL BUSINESS ADMIN ODA- XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-08-15
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: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

Within XXXX of XXXX, SCHOOLSFIRST FEDERAL CREDIT UNION reported to XXXX  that this writer made a payment 60 days late and reported to XXXX  and XXXX  that this writer made a payment 30 days late within the same month without this writers knowledge and written consent. This communication to XXXX XXXX and XXXX  without this writers knowledge and written consent is a violation of 15 U.S.C. 1681a ( 2 ) ( iii ), 15 U.S.C. 1681 ( a ) ( 4 ) ( b ), 15 U.S.C. 1681b ( a ) ( 2 ) ( i ) ( ii ) ( iii ), 15 U.S.C. 1681a ( 3 ) ( e ), 15 U.S.C. 1681b ( 2 ) ( a ), 15 U.S.C. 1681a ( 2 ) ( b ), 15 U.S.C. 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ). When I obtained knowledge of the communication I sent SCHOOLSFIRST FEDERAL CREDIT UNION a Cease and Desist Letter which they received on XX/XX/XXXX. This writer discovered on XX/XX/XXXX that the communication made by SCHOOLSFIRST FEDERAL CREDIT UNION regarding this writers payment status was deleted from XXXX XXXX  and XXXX. However, this writer never received the remedy communicated for the above violations.
Consumer complaint received 2021-08-16
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: Penn Credit Corporation (MI)

I noticed that I had a medical collection on my credit report so I sent a letter to the collections agency asking to validate my debt, as the law mandates. I sent the certified letter on XX/XX/2021 which was received and signed by one of their agents. They failed to validate my debt in the allotted and have not removed the debt from my credit report as the law stipulates.
Consumer complaint received 2021-08-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XXXX  you caused me.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

The following variation are inaccuracies of my proper name " XXXX XXXX XXXX XXXX '' and any improper spelling of my actual name is a crime and a federal offense pursuant to Title 18 U.S. Code 1342 - Fictitious name or address and imposes a penalty where one " shall be fined under this title or imprisoned not more than five years, or both. '' The following names are a violation of Title 18 U.S. Code 1342 and I demand their immediate removal from my Consumer Report and Consumer File XXXX XXXX Name identification number : XXXX ; XXXX XXXX XXXX Name identification number : XXXX ; XXXX XXXX XXXX Name identification number : XXXX ; XXXX XXXX XXXX Name identification number : XXXX ; XXXX XXXX XXXX Name identification number : XXXX ; XXXX XXXX XXXX Name identification number : XXXX ; XXXX XXXX Name identification number : XXXX ; XXXX XXXX Name identification number : XXXX ; XXXX XXXX Name identification number : XXXX ; XXXX XXXX XXXX Name identification number : XXXX ; XXXX XXXX XXXX Name identification number : XXXX ; XXXX XXXX XXXX Name identification number : XXXX ; XXXX XXXX Name identification number : XXXX ; The following Addresses are also a result of federal law violation pursuant to 18 U.S. Code 1342 - Fictitious name or address and 18 U.S. Code 1341 - Frauds and swindles I demand the following address be removed from both my consumer report and consumer file as they pertain to fraud and identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX note XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Apartment complex XXXX Important note XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Single family XXXX Important note XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Apartment complex XXXX Important note XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Multifamily XXXX Important note XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-16
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (CA)

I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.
Consumer complaint received 2021-07-29
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. (MA)

This letter is about the following accounts : XXXX/XXXX : # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ], XXXX XXXX XXXX XXXX XXXX # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ]. XXXX XXXX XXXX : # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ]. COLLECTION : # XXXX, which you claim, I owe [ {$220.00} or my account was charged off {$220.00} ] .This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry.

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 











Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2021-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (HI)

Was contacted by Monroe and Main by mail in XXXX or XXXX about an amount owed. I contacted the company and explained I have never purchased or had any transactions with the company. They continued sending mail stating that the amount needs to be paid or debt collectors will be sent along with my credit score dropping. Monroe and Main also started harassing my Mother with phone calls about the debt. My mother and I put in complaints to the company along with XXXX and State agencies. She stopped receiving calls in XXXX and we thought it had been resolved until recently I found out my credit score is very low due to Monroe and Main submitting and falsifying that I owe them payment. I don't have the records but will continue to file complaints as necessary.
Consumer complaint received 2023-03-14
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX XXXX Balance Owed : {$140000.00} XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX Balance Owed : {$7100.00}.
Consumer complaint received 2021-08-14
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: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 ORIGINAL CREDITORS : EQUIFAX INFORMATION SERVICES LLC XXXX. XXXX  XXXX XXXX, GA XXXX ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled The items I dispute on the attached copy of the report I received.The information on EQUIFAX INFORMATION SERVICES LLC Original Creditor : EQUIFAX INFORMATION SERVICES LLC account number ISNT DISPLAYED with a CREDIT SCORE OF XXXX which is inaccurate because I've been contacted by MANY companies about a debt you allege I owe several times. You also have my name listed wrong, it is, XXXX XXXX XXXX. What you have listed is XXXX XXXX XXXX XXXX XXXX! I also never lived at XXXX Whispering XXXX XXXX, XXXX XXXX, FL XXXX XXXX I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item XXXX XXXX ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Consumer complaint received 2023-06-04
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: Bread Financial Holdings, Inc. (KY)

In According to the fair credit reporting act this creditors has violated my rights under 15 usc 1681 section 602 ( a ) states that i have the right to privacy and under 15 usc 1681 section 604 ( a ) section2 also, states a consumer reporting agency can not fervish account information without my written instructions. And us 15 code1666 ( b ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Consumer complaint received 2021-08-16
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. (VA)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX Last 4 Digits of SSN : XXXX While looking over my yearly credit report I see that there is some incorrect information regarding my personal information. There are addresses reporting to my credit report that are not associated with me. It seems as though you or the creditors have mixed my file with someone else that is in my family which is understandable being that our names are similar. I have included my license and proof of address to assist with the handling of this dispute. I am asking that you please remove any and all addresses that do not reflect the address that is on my license and/or proof of address so that the information on my credit report is accurate. 

Thank you so much for your time in assisting me with this matter. Please send me correspondence that shows that these changes have been implemented.
Consumer complaint received 2021-08-16
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: EQUIFAX, INC. (VA)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX Last 4 Digits of SSN : XXXX While looking over my yearly credit report I see that there is some incorrect information regarding my personal information. There are addresses reporting to my credit report that are not associated with me. It seems as though you or the creditors have mixed my file with someone else that is in my family which is understandable being that our names are similar. I have included my license and proof of address to assist with the handling of this dispute. I am asking that you please remove any and all addresses that do not reflect the address that is on my license and/or proof of address so that the information on my credit report is accurate. 

Thank you so much for your time in assisting me with this matter. Please send me correspondence that shows that these changes have been implemented.
Consumer complaint received 2021-08-16
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: EQUIFAX, INC. (VA)

I am filling a complaint because Equifax has ignored my request to provide me with documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-45 days mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thanks!