davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
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: EQUIFAX, INC. (TN)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX 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 2021-03-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Prince Parker & Associates (FL)

Please see below, this is what is appearing on my credit report. I have disputed it with XXXX  a couple of times without luck. 


PRINCE PARKER AND ASSOCA Last reported XX/XX/2021 {$160.00} Open balance 11 XXXX XXXX Original creditor Report info Take a look at some options to help your score Average score improvement if you take care of a collection in the first 2 years Removed +23 pt Paid in full +25 pt Settled for less +21 pt
Consumer complaint received 2017-10-01
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. (SC)

There were multiple inquires on my credit report that were not authorized by me. I had a Freeze and fraud alert put on my credit report due to identity theft along with a police report and my credit report was still being pulled without my consent. I have contacted all 3 credit bureaus about this matter and not one representative has seem to help me. 

Also I was a victim of the XXXX XXXX computer glitch that resulted in my inquires being deleted and later XXXX XXXX add them back onto my credit report without giving me the legally required written notice of 5 days prior to them re adding them. I contacted them in faith asking them to delete the inquires that they had illegally re-added. 

These unauthorized inquires add a hardship and that my rights were violated by not only TransUnion but as well as XXXX and XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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
Consumer complaint received 2021-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American First Finance, Inc. (FL)

I received notification on my credit report that a new account was opened in my name at American First Finance for {$3900.00} on XX/XX/2021. After reviewing, I noticed I was a victim of identity theft as several other unsuccessful attempts were made to open credit using my name and information. I immediately called American First Finance and spoke to an associate who advised me to fill out a fraud package on their website. I completed the package and submitted along with a police report on XX/XX/2021 to American First Finance. I was then notified a week later that the American First Finance account was now reported delinquent and now is negatively affecting my credit score. I'm in the process of buying a home and this has caused an issue with my lender therefore, I called American First Finance on XX/XX/2021 to see if I could get any additional information on the matter and the customer service representative ( XXXX in Kansas ) wasn't able to help me. When I asked for a supervisor, I was told she wouldn't speak with me ( XXXX  ) as I am not a customer and I just needed to wait. So I'm unable to speak with anyone and now my mortgage loan is on hold.
Consumer complaint received 2017-10-01
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: NAVY FEDERAL CREDIT UNION (CA)

on XX/XX/XXXX opened account with, navy federal credit union. they started running hard inquiries they did three in one a month, two on same day XX/XX/XXXX and shared my information with XXXX XXXX that ran a hard inquiry with out my permission contacted navy federal to get them to stop.had to close account with them to get it to stop now I have 4 hard inquiries on my credit report and my score has been lowered need this removed.
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (PA)

Affidavit Of Truth To Update Information XXXX XXXX NOTICE AND DEMAND TO UPDATE INFORMATION From : XXXX XXXX XXXX XXXXcation : XXXX XXXX XXXX XXXX City & State : XXXX XXXX PA XXXX To : TD BANK USA/TARGETCRED Address : XXXX XXXX XXXX City & State : XXXX, MN Zip Code : XXXX REF : Your correspondence purporting to allege LATE PAYMENT TD BANK USA/TARGETCRED Account # XXXX NOTICE OF CLAIM UPDATE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS *******SILENCE IS ACQUIESCENCE******* _____________________________________________________________________ I XXXXXXXX XXXX XXXXXXXX, A WOMEN, non-adverse , non-belligerent, non- combatant party and Executor with FULL LIFE am in possession of your recent voluntary submission of evidentiary documents.

TD BANK USA/TARGETCRED is in violation of 15 U.S. Code 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.

TD BANK USA/TARGETCRED have reported to XXXX a late payment on XX/XX/2016. 

Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : 1. Update all payments to exceptional 2. Apologies to me in writing Failure to comply will result in a violation 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Consumer complaint received 2017-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

VERY SIMPLE IN REGARDS TO MY OTHER COMPLAINTS AGAINST XXXX NOW XXXX AND TRANSUNION ALL BC OF XXXX. PLEASE REMOVE ANY SECURITY FREEZES AND FRAUD ALERTS FROM MY ACCOUNT I DID NOT ASK FOR THEM TO PLACED ONT HERE THIS IS MY 18TH TIME REQUESTING THIS. I APPLIED FOR A BUSINESS ACCOUNT WITH A CERTAIN COMPANY AND IT REJECTED IT BC IT SAID XXXX HAS PLACED A FRAUD ALERT ON MY ACCOUNT. REMOVE ALL FRAUD ALERTS AND SECURITY FREEZES FROM ALL 3 BUREAUS HOW HARD IS THIS TO DO. REMOVE THE FRAUD ALERTS AND OR SECURITY FREEZES FROM MY ACCOUNTS ITS AFFECTING MY ABILITY TO APPLY FOR CREDIT. I NEVER ASKED FOR THEM TO BE PLACED ON THERE FROM THE GET GO. REMOVE FROM XXXX XXXX AND TRANSUNION AND I 'D LIKE AN UPDATED COPY OF THE REPORT STATING IT WAS REMOVED. GEEEEEEEEEEEEEEEEEEEEEEEEESHHHHHHHHHHHHHHHHHHHHHHHHHHHHHH.
Consumer complaint received 2021-07-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (FL)

On XX/XX/XXXX I purchased a transact XXXX netspend prepaid debit card at XXXX. I loaded {$250.00} on card and paid the {$4.00} fee. I was unable to activate card. After speaking with a representative they said I would not be able to activate and would send me a check for {$250.00}. They refused to reimburse me the cost of card, even though I purchased it 10 minutes prior. I received the check but it is fir {$240.00}. They charged me to send a check after all this. It's only {$11.00} I'm out, but why should they keep funds when they declined to let me use card. Thank you any help.
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX  XXXX showing i was 30 days late in XXXX and XX/XX/2020. I traded the car in and purchased a new one on XX/XX/2020. The XXXX was paid off upon new purchase so how can I be late two months later when I no longer had the vehicle? Please help me resolve this issue.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

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 USC 1681. 
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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (CA)

On XXXX XXXX the company reported to my credit report when I have never done business with this company and I have no idea who they are. The amount is XXXX I do not owe this company any money.
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION (GA)

Truist unreasonably assessed me a late fee on a credit card that was requested to be closed early XXXX, late XXXX in conjunction with my requests for closure of my checking and deposit accounts. Today, I learned that there was a balance on this credit card that I didn't even know was active- it was only two weeks prior did I receive a card in the mail from Truist - requesting for me to activate a newly issued card. I didn't think much of it, because as expressed with the Truist agent earlier, I have my regular cards I use for daily/weekly expenditures and thought this issuance was a mistake. However, I was wrong, collections called me asking to collect {$75.00} for charges that accrued two months prior from XXXX. I wasn't aware that XXXX was using my old credit card to charge trips on it, because again, I had already submitted a request to Truist for this card to be closed, AND because it would be unreasonable for me to know ALL of the accounts in which a singular card would be tied to, instead of just canceling the payment source; hence this card. 

Also, I find it troubling that I wasn't made aware of these charges until they fell into delinquency and late fees have been assessed. The agent said that I had enrolled into email statements, but I have no emails from Truist indicating a statement OR balance, nothing but servicing/promotional communications. I expressed this to the agent, but was constantly deferred to the Truist platform to update preferences and for some odd reason the XXXX XXXX XXXX - The XXXX & XXXX - but again, how would I know this, and again, why wouldn't Truist make me aware of an obligation to pay nevertheless. I have nothing but servicing and promotional communications from Truist, but no payment due, or no charges notifications in my email. 

After testing the Truist website, i found a screen to update alerts. It is all but confusing and there are one too many preferences to choose from, with no clear definitions of what the options entail OR an visual example for that preference to help ensure intent of selection. How would a reasonable or a vulnerable person be able to intelligibly navigate Truists ' platform and update alerts to get a simple communication letting a cardholder know that they have purchases on their credit card AND that they have a bill due and when AND if applicable, that they are subjected to late fees if they do not pay their bill by X date.

I would also like to know why are Truist 's fees so high and excessive. Truist charged me close to XXXX of the balance owed in late fees and interests. Excessive much? 

Given all of the facts and circumstances above, I wish to have my late fees waived and for my credit card to be closed ASAP as previously expressed. AND for Truist to revisit its opt in/communication preferences platform. Simplicity might be More.
Consumer complaint received 2021-07-10
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: EQUIFAX, INC. (CA)

I did not consent to, authorize, nor benefit from any of the following inquiries. Block and remove them. 
1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX- XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4XXXX / XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-10-01
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

1. I provided the credit card company FIRST XXXX, and all 3 credit bureaus a copy of the receipt of the credit card being paid in full. The credit bureaus keeps sending me a response from the credit card company FIRST XXXX, stating, " I did not state what I 'm disputing ''. 2. Also, some credit inquiries are being reported more than 1 time. Also, I did not authorize all of the inquiries on my credit report.
Consumer complaint received 2017-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

On XX/XX/XXXX I was laid off of my job of twenty two years. I am now unable to receive my XXXX from social security. Because Experian have allowed my history of all my employers to be deleted. 

ExperIan is denying me my credit report, yet they 've given others access to my credit report. Someone had an address on XXXX for Michigan and I have never lived there, nor have I visited there. 
I am a senior citizen and am being denied freedom of information by Experian. This credit agency is violating all of my rights, by also denying me freedom of information. That belongs to me. 

Someone robbed me, XXXX XXXX in XX/XX/XXXX and stole my drivers license and social security card. XXXX XXXX XXXX XXXX XXXX, I 'm denied health care. My health is deteriorating as a result of this credit agency. 
And is pretending to be me. If Experian trace the wage earner courts they will be able to determine it 's me. My payments were payroll deducted by my former employer and paid to the courts. I 've reported all credit agencies to the Supreme Court in the state of Tennessee. Since you feel as though you it 's alright to deprive me of the fair credit act/freedom of information. You 've given my information to others. I 've mailed everything you requested on XX/XX/XXXX. Someone changed the name on loan number that belongs to XXXX XXXX XXXX. The name was changed to XXXX. 

The loan was discharged twice through the courts, once on XX/XX/XXXX and XX/XX/XXXX. I 'm sure the Supreme Court will be interested in this information. If this agency contact XXXX they will learn my identity have been stolen. Social Security also. This agency have allowed people to get houses using my personal information.
Consumer complaint received 2021-07-10
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. (IL)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2017-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XXXX XXXX XXXX issues in Colorado XXXX XXXX, XXXX XXXX, handled my account, I ran up a bill totaling around XXXX and could not pay it on time because I was hurt somehow in the Town of XXXX and XXXX to leave. 
Ended up changing address this happened in XXXX. 
XXXX XXXX could not reach me and by the time they did it had already gone to collections. We tried to settle but they gave us a very hard time. 
I also had Issues with Bank of America and XXXX with a girl named XXXX XXXX from XXXX XXXX XXXX Florida. 
XXXX XXXX who works for the XXXX XXXX XXXX in NY. may also be involved in something. XXXX XXXX of Bank of America might know something t
Consumer complaint received 2021-09-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Green & Sons Agency, Inc. (UT)

I have been going back and forth with Outsource Receivables Management about a debt they have attempted to charge me with. As we continue to go back and forth about us not having any association with the car being abandoned and towed. We sold the car in XXXX of XXXX. We have absolutely no ties with this car. I have been told that we are tired because we are listed on the registration then we proceed documentation that shows we removed the registration on XX/XX/2020. However, I was then told well I was towed to the VIN number because the people we had sold the car never registered the car. First off, no where does it state in the Utah Code for Motor vehicle that we have to have the new owners register the car. 41-1A-702 of Motor vehicle act states once you sign the title that the ownership is transferred.Once the car title was signed by XXXX and the new owner that was it. As well as when the car was found the police officer that came down reported that there was no further action required. We went above and beyond just signing the title, we removed the registration, removed the insurance, removed the plates before they took it, as well as reported the car as sold. Here is the documentation from the Utah State tax commission- Division of Motor Vehicles stating that we reported the car as sold.
Consumer complaint received 2021-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX I sent a Certified letter via USPS to XXXX XXXX that are reporting my Transunion Credit report as a XXXX XXXX default in the amount {$8000.00} as of XX/XX/XXXX. 

I requested validation of debt including contract, signatures, ledgers etc. As off today no response. Also a copy of the Certified letter REFUSED TO BE RECEIVED. ( SEE ATTACHED ). 

I have disputed via USPS 2 times with Transunion with copies of all proof. 

TRANSUNION REFUSES TO DELETE THIS UN-VERIFIED ACCOUNT BY THE INFORMATION PROVIDER.
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have a forthwith judgement with XXXX XXXX XXXXXXXX to pay the defaulted auto loan and have been paying to the law office on behalf of XXXX XXXX 
XXXX XXXX is not reporting the payment 's I am making every month and has not adjusted the balance owed as of today I filled out the dispute form from XXXX XXXX and they said its reporting accurately this was in XX/XX/2021 I have disputed with the bureau and they said it was verified and accurate I have a letter from XX/XX/XXXX from the lawyer office with a payment breakdown and balance that is inaccurate from what's on my credit reports.
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a forthwith judgement with XXXX XXXX XXXXXXXX to pay the defaulted auto loan and have been paying to the law office on behalf of XXXX XXXX 
XXXX XXXX is not reporting the payment 's I am making every month and has not adjusted the balance owed as of today I filled out the dispute form from XXXX XXXX and they said its reporting accurately this was in XX/XX/2021 I have disputed with the bureau and they said it was verified and accurate I have a letter from XX/XX/XXXX from the lawyer office with a payment breakdown and balance that is inaccurate from what's on my credit reports.