davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

Hello. I have been a customer since 2004. I was XXXX XXXX XXXX. I got a job and opened up my bank account at the XXXX XXXX  XXXX. Through the years of being with the bank its changed a few times. The most recent, current bank is now peoples United bank. I never have issues with anything ; Im always a very understanding person when it comes to issues. But this issue Im having is making me loose sleep. Since having this bank I been feed for having money in my savings. Im trying really hard to save money. Even just a little bit : and been charge XXXX dollars in total for a service charge. I dont know how to save money if it the bank keeps taking it out. I plan on closing the savings account and saving money a different way. But thats not the Issue. The real issue is I most recently been charge 12 over draft fees in less then two weeks totaling XXXX Dollars. I lost my job of ten years and gave birth to my XXXX  child during the beginning of the pandemic. My husband also lost his job last year and all financial security had gone right out of the window. Since having to stay home with XXXX children, homeschooling XXXX of them I am forced to collect unemployment until I can afford to find a child care and school is back in normal session. Our lives have completely turned upside and as a mother of XXXX children I want the best for them. I dont mean for this to turn into another sob story but its very gutrenching this much money has been takin from my account. 3 weeks ago my wallet was stolen and the person used my credit cards and debit card. They used XXXX at a smokers shop and XXXX at a gas station. I had budgeted enough for the week but the money they taken from my account put me behind for a few weeks until my account was credited the fraud amount. During this time I was charged 12 overdraft fees. I called the bank hoping I can get them refunded but after talking with the customer rep they said I already had a curtesy refund this year. They also suggest I have a sweep on my account so this doesnt happen again in the future. I feel abused and absolutely discriminated against as a low income individual. I was charged an excessive amount of with drawl fees and this practice seems predatory.
Consumer complaint received 2022-04-08
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. (CT)

I have attached the document that reflects an inaccurate amount that is placed under my name. This clearly states that you have violated the abovementioned rules and I would like for you to act on it by deleting this account that you have inaccurately tagged under me.
Consumer complaint received 2021-05-12
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: Harvard Collections, LLC (GA)

There is a collection that came on my report by the Dept of Illinois for {$600.00} in XXXX of 2021, this debt belongs to my sister XXXX XXXX, I have never had an account with the state of this nature, they even associated and incorrect social security number with the account. I spoke with my sister and it is on her report as it should be but should not be on mine. Never once was a validation of debt sent, or an opportunity to provide proof that it belonged to me, my rights are being violated and I want damages if not removed, it dropped my score down 36 pts when it posted to my account last month, and has since posted on all 3 credit bureaus.
Consumer complaint received 2021-05-12
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: NAVY FEDERAL CREDIT UNION (CA)

I have been a victim of identity theft. I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately! 

. The following personal information is incorrect Account Number : Name : XXXX XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX 4. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX XXXX 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

10.  The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

12. Validate Account NAVY FCU Account Number : XXXX Please investigate and delete from my credit report. 

13. Validate Account XXXX Account XXXX : XXXX Please ensure that all information is accurate 14. Validate Account XXXX XXXX Account XXXX : XXXX Please ensure that all information is accurate
Consumer complaint received 2022-01-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: International Computer Systems, Inc. (VA)

After sending the FTC report of identity theft in XXXX, XXXX, XX/XX/2021 FIRST COLLECTION SERVICES sent me a letter on XXXX XX/XX/2021 saying that they are refusing to remove the collection for XXXX XXXX Gas and Electric. They then threatened to extort me. This is a racketeering activity and conspiracy to commit racketeering activity carries a sentence of imprisonment of 20 to life. Telling me that I must pay this amount or we will violate your right to privacy by reporting late payments to the credit reporting agencies without your written permission to ruin your financial reputation which equals extortion.
Consumer complaint received 2022-01-22
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. (PA)

XXXX XXXX, consumer, natural person and original creditor of an open end credit plan. I received a copy of my consumer credit report and I am now aware of some negative payment history that is being furnished without my written consent. Pursing to the FCRA 15 USC 1681b ( a ) ( 2 ) you may not furnish a consumer report without the written consent to report anything on my consumer report. No consent is identity theft. However, under 15 USC 1681a ( 2 ) ( i ) Exclusions from a consumer report include information solely as to transactions or experiences between the consumer. By law you can not furnish transaction history. Transactions are late payments, this needs to be removed now. According to 15 U.S.Code 1681 ( a ) ( 4 ). The information being reported is false, misleading and fraud. All in which so has caused many damages over time. Pursing to the FCRA15 USC 1692d a debt collector may not engage in the use of criminal means to harm the physical person consumer or my reputation. These late payments are damaging my reputation. They have also caused me great harm, mentally and physically. Pursing to 15 USC 1692e ( 2 ) ( a ) a debt collector may not use the false representation of the character of a consumer. Late payments are character damaging. It states you cant report the character of any debt meaning its in my character to pay late based on my consumer report. This is tarnishing my character. I am demanding that you remove every late payment. According to 15 USC 1681a ( q ) ( 3 ), identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. The term " Person '' in this section 15 USC 1681a ( b ) means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. In this case this corporation ( Equifax ) is in violation. This is identity theft and as a result, the late payments must be deleted and blocked from my file.To conclude, under 15 USC 1681c you must block any information in my file from an alleged identity theft, no later than 4 business days after the date I provide the details to you.
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account US XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I am demanding deletion of all personally identifiable information from my consumer credit report with the exception of : 1. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
This is a demand that my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-12
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. (NC)

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$4000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX A XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I am demanding deletion of all personally identifiable information from my consumer credit report with the exception of : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX, TX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
This is a demand that my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-12
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. (CA)

The credit bureaus continue to verify accounts in my credit report that are not accurate. They have ignored multiple requests of proof of verification and continue to report inaccurate information that is hurting my credit report and chances of obtaining future credit. I began disputing with the credit bureaus since XX/XX/XXXX and not once have they provided any proof of verification. 

The following accounts have been verified but maintain discrepancies in reporting : XXXX XXXX XXXX XXXX XXXX The following inquiries were not authorized : XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX Mortgage Reporters : XXXX XXXX ( TransUnion ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX/XXXX  XXXX  XXXX ( XXXX  ) XX/XX/XXXX XXXX  XXXX ( TransUnion ) XX/XX/XXXX XXXX XXXX XXXX  ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX ( TransUnon ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX/XXXX XXXX I ( XXXX  ) XX/XX/XXXX XXXX/XXXX  XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX ( TransUnion ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX ( TransUnion ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX  XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX  XXXX ( TransUnion ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX/XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX  XXXX ( TransUnion ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( XXXX  ) XX/XX/XXXX XXXX  XXXX ( TransUnion ) XX/XX/XXXX I have disputed these accounts and the credit bureaus can not furnish proof as requested in my letters that I sent to them via certified mail. I have attached copies of my most recent letters along with the tracking number.
Consumer complaint received 2022-04-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (LA)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX  / {$400.00} / XX/XX/XXXX XXXX / {$0.00} / XX/XX/XXXX
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

XXXX XXXX reported medical bills on my credit report which is a violation of my HIPPA rights. Reported to all 3 credit bureaus, Experian, XXXX, and XXXX.
Consumer complaint received 2022-01-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commercial Acceptance Company (PA)

They represented XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX while I was a first-year student at XXXX XXXX XXXX XXXX The apartment promised all students who were, like me, applying at the time believing that you could sublet apartments through their help. They 'promised ' that they would help with the sublet process " until a substitute tenant is found for you ''. I asked for their help for 3 months before my departure and they did not find any substitute tenants, because the apartment management is absolutely horrible. 

It is common for students to transfer out from that campus in the middle of the lease, and knew it up front, yet 'sweet talk ' while obscuring information about the sublet process and convince most of us to stay with them. 

Not only that, after I departed, they sent debt collectors who threatened legal action when I failed to provide the rent because I already moved out, which caused emotional trauma. I could find other students who can support my statement. 

Anyone who demands primary evidence against such establishment can find numerous people who left comlaints on XXXX Review/XXXX  Reviews. If they decide to not settle for a resolution, all of us can stand and make sure they answer to their practices, at least to those in the recent past.
Consumer complaint received 2022-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

XX/XX/XXXX The XXXX XXXX XXXX company was removed off my Credit report and as of XX/XX/XXXX it was added back on my credit report. As they were negligent in responding back to my letter and requests. In addition, this debt is older than 5 years of the Statue of Limitations for Florida. The total amount for the Repossession was for {$24000.00}. However, this debt was removed from all of my credit reports. I would like this matter resolved immediately as this a huge impact to my personal credit.
Consumer complaint received 2022-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (GA)

XXXX XXXX XXXX and IQ International Data is falsely trying to collect {$880.00} after move out. I was a former tenant of XXXX XXXX XXXX as a sublet to a previous tenant, XXXX XXXX, from XX/XX/XXXX to XX/XX/XXXX. After move out, we did not receive our deposit of {$590.00} back from the property that was previously managed by XXXX XXXX. Per California civil code 1950.5 ; Landlords will need to provide an itemized statement of any additional fees and/or the security deposit within 21 days of move out ( https : //leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml? lawCode=CIV & sectionNum=1950.5 ). We did not receive either information. I sent out a certified letter requesting said information to XXXX XXXX XXXX but could not get a response as the manager did not check the mail and the letter was returned back to me. I am now, in XXXX receiving a mark on my credit report indicating there is a left over balance of {$880.00} from IQ International debt collection agency, exclaiming I am the sole leasee and only responsible for this debt. Can you please confirm whether or not previous management sent out a full letter explaining all extra charges and deposit allocation addressed to me, XXXX XXXX. The information I received from IQ was a charge of {$790.00} but does not include the deposit of {$590.00} that should have been used had there been any additional charges. Furthermore, the debt collector IQ Data on a recorded call in XX/XX/XXXX, told me that my address was not updated with the United States Postal Service but I am attaching proof that I did update my address for XX/XX/XXXX, and all my other mail was correctly forwarded except the letter from XXXX which I believe a move out statement was never created or even mailed. I reached out to XXXX XXXX in XX/XX/XXXX and was told by XXXX they don't see any info on my account. 

Attached is proof of the updated address and proof of my letter to XXXX XXXX XXXX and the letter that was sent to XXXX XXXX XXXXXXXX with dates attached.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have recently applied for credit and was denied based on the information provided by XXXX and TransUnion to the company I was interested in attaining a credit from. It was reported the following : Derogatory public record or collection filed Ratio of balance to limit on bank revolving or other rev accounts too high Length of time accounts have been established Time since delinquency is too recent or unknown Our credit decision was based in whole or in part on information obtained in a report from one or more of the consumer reporting agencies listed below. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX TransUnion Dispute Request XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX XXXXXXXX http : //www.transunion.com XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX We also obtained your credit score from the consumer reporting agency and used it in making our credit decision.

I DO NOT have a delinquency or a derogatory public record. These credit reporting companies have violated my right to obtain credit and provided inaccurate information on my behalf.

I request this to be corrected, in addition to monetary compensation for lost time and lost financial opportunities. 

Sincerely, XXXX XXXX