davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STERLING JEWELERS, INC. (LA)

As a result of COVID-19 I was unable to pay on my credit card because the place where I paid the card from the first time I used the credit card was closed due to the pandemic so I was given a 30 day late on my credit card. The company is Kay 's and the bank is XXXX XXXX XXXX. I have always paid my bill from the day I made the debt. I reached out to the company explaining my disposition but no matter what they stated they had no good will program therefore they could not or would not help me. A 30 day late payment decreases the credit score significantly and I was in the process of closing on my first home. I explained that I attempted to pay by other means but due to the hours I work I was only able to call on my break and at that time I was unable to get through or when I attempted to pay on the website it would take me halfway through then kick me out. This situation was brought to my attention on XX/XX/2020. I could and would understand this if I was frequently late but this is nor was the case, so now my family will not be able to purchase our home. The pandemic has totally taken everything from me. All I'm asking is for understanding and help so that I can better me, my family and our future because if this 30 day late payment is not removed it will be a year or more before I can raise my score back to where it needs to be to purchase a home.
Consumer complaint received 2020-08-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (SC)

Citibank has been holding my funds and release my funds from my account. Unauthorized charges were charged to my account, I disputed the charges and then Citibank recommended my account for closure and will not release my funds or credit unauthorized charges. I have been calling daily since XX/XX/2020 and still have not received funds. Citibank is holding {$3500.00} of my money and will not give an update or help in anyway to release funds. I have read many comments with Citibank holding customers funds. This ridiculous and unacceptable.
Consumer complaint received 2020-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.
Consumer complaint received 2020-08-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (LA)

I saw this account come up in my credit report for a XXXX that I never have had, never. I tried to dispute it and it came back as a legitimate account which can't be possible because I have never had a card with them ever. I need this off of my credit report, it's doing great damage to my score.
Consumer complaint received 2020-06-28
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. (NY)

XXXX  or Equifax didn't fix error, they ask me to send documents that I already sent. I will resend AGAIN FOR THE SECOND TIME, my social security card I lost it a few years ago please see passport and photo id
Consumer complaint received 2022-11-28
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: LEXISNEXIS (MO)

In XX/XX/2022 I began mailing letters to the major credit bureaus in regard to my credit report. While some of the items were removed, the following still remain. 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 XXXX5 USC 1681. Account name : XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX, has violated my rights. XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 or 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 2019-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (NV)

I had purchased an item in may couple months ago. I did not receive the item. I have been trying to fight this for months. I have email proof with the merchant which they knew i didnt. I think the package got lost. They could not even locate it. My credit card company has been so unhelpful. Barclaycard services. I dont think i should pay for something i DID NOT receive. Please help. They are scammers
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : 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 2020-06-28
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. (OH)

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.
Consumer complaint received 2020-06-28
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. (FL)

I was car shopping but couldnt make a purchase because I do not have a valid license. I submitted an inquiry to speak to someone about the car buying process because I have never bought a car before. I have to wait until XXXX to get my license due to covid. This morning I randomly get an email from XXXX XXXX with rates for a car but I have never talked to anyone. 
I checked my credit and saw six inquiries from multiple banks that I Did not authorize at all.
Consumer complaint received 2020-08-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently obtained a copy of my credit report from the bureaus and found INACCURATE, ERRONEOUS, NEGATIVE, UNVERIFIED information listed on my credit. I disputed these accounts and information with the credit bureaus. I believe the bureaus may be in violation of the laws put in place by the Fair Credit Reporting Act ( FCRA ) ; to protect my information and the validity of all information and accounts listed on my credit report.
Consumer complaint received 2020-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

XXXX XXXX XXXX XXXX {$240.00}. This account has caused me financial ruin. I have asked this account to be removed. XXXX XXXX XXXX said this will be removed. which didn't happen they have only closed the account. because it was open in error
Consumer complaint received 2015-12-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Adjusters, LLC (CA)

( XXXX ) XXXX is the number that calls and last contact person said his name was XXXX XXXX with National Credit XXXX. Caller starts off by saying his name then immediately asks for me to confirm my DOB, he does n't state he 's attempting to collect a debt. Before confirming any questions asked I again ask for his name and company info, which causes him to go into a rage saying he 's spoken to me before, that I owe money and he will not help me unless I confirm my DOB. He proceeds to tell me I 'm a dead beat and that the next call he will make will be to my employer. He has also called my parents house as well demanding my personal information.
Consumer complaint received 2020-08-08
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. (OH)

I disputed the account # XXXX XXXX XXXX XXXX / XXXX XXXX XXXX {$810.00} with XXXX Experian and XXXX  and the incorrect information is still there. 
I do not know who account # XXXX XXXX XXXX XXXX / XXXX XXXX XXXX {$810.00} is. 
I have never signed an agreement with account # XXXX XXXX XXXX XXXX / XXXX XXXX XXXX   {$810.00}. 
They should NOT be on my credit profile. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2020
Consumer complaint received 2020-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AR)

XXXX XXXX XXXX XXXX  {$240.00}. This account has caused me financial ruin. I have asked this account to be removed. XXXX XXXX XXXX  said this will be removed. which didn't happen they have only closed the account. because it was open in error
Consumer complaint received 2020-06-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stenger & Stenger, P.C (MI)

Hi there! Back in XXXX I found out I was pregnant. When I notified my job ( warehouse position ) they didn't seem too happy. Things eventually got worse and I was fired from my position. I was able to collect unemployment ( due to being fired for being pregnant ) because my firing wasn't reasonable. At the time, I had 6 open credit cards, utilities and bills. I choose utilities and bills over credit card payments. I informed my creditors that I had experienced job loss. XXXX  XXXX  was supposed to cancel out my account, I would be responsible for the balance and the annual fee only. It is now XXXX and the creditor has since sold the account to a collection agency XXXX XXXX XXXX. They did not once try to call me to collect on this debt. They apparently sent mail to my mother 's address to collect on this debt. My credit limit was {$800.00}. They have now escalated the matter to XXXX and XXXX law firm where they are currently suing me for {$1200.00}. I asked for validity of the debt, I also asked why I was charged {$400.00} in fees and interest on an {$800.00} account. They are unwilling to workout reasonable payments on the debt owed. They want the entire {$1200.00} but im only responsible for {$800.00}. I have tried multiple times to request documentation on this account to see why im being held accountable for the {$1200.00} and not {$800.00} and I'm being told they dont have access to that information. I called XXXX  XXXX, they said they dont have access to that information because they sold the debt to the law firm. I called the original creditor ( XXXX  XXXX ) for a statement balance, he made me aware that my balance was only {$800.00} as of XXXX of XXXX. When I asked why my balance had increased to {$1200.00} when the account should've been cancelled he apologized and stated that the account wasn't closed until several months later and it must've been a glitch in the system. There is nothing he could do about the fees, as the debt had been sold off to XXXX XXXX XXXX who sent it off to STENGER and STENGER lawfirm after not attempting to contact me via phone or email. I would also like to add that Stenger and Stenger law firm offered me a settlement on my first XXXX  XXXX account and allowed me to make payments on the SETTLEMENT amount, not the full balance. I made every {$300.00} payment on time without an issue. They have stated they can not do that now with my other account due to financial hardship of covid. Everyone is experiencing financial hardship due to covid.. Not just big companies. This is just disgraceful and unprofessional.
Consumer complaint received 2020-08-08
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. (OH)

I disputed the account # XXXX XXXX XXXX XXXX / XXXX XXXX XXXX {$810.00} with Equifax, XXXX and XXXX and the incorrect information is still there. 
I do not know who account # XXXX XXXX XXXX XXXX / XXXX XXXX XXXX {$810.00} is. 
I have never signed an agreement with account # XXXX XXXX XXXX XXXX / XXXX XXXX XXXX   {$810.00}. 
They should NOT be on my credit profile. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

MY IDENTITY WAS STOLEN. I DID NOT AUTHORIZE ANY OF THESE ACCOUNTS. PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT. MY CREDIT SHOULDNT SUFER BECAUSE THESE COMPANIES ALLOWED FRAUDULENT ACCOUNTS TO BE OPENED WITHOUT MY PERMISSION.
Consumer complaint received 2020-06-29
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)

To Whom it may concern. I have a few unauthorized things I would like to be removed from my credit report and all credit reporting companies as I am being hit with hard pulls I never applied for. The dates are XX/XX/2020, XXXX, XXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XXXX XX/XX/2020. I recently applied for a XXXX  card and that's it all this other stuff is bogus or fraud. I never signed any papers. If they can show validation I'd love to see it because I never tried to do any business with above. XXXX XXXX  that's another inaccurate thing on my credit file in marks section. I will show you pictures of everything.
Consumer complaint received 2020-06-28
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX  illegally and continues to break all fair crediting acts they were served with the season desist to where they couldn't sell my credit to anyone they couldn't sell the debt to anyone this car was not mine to begin with I was authorized user and I never use the card and they know it it was from my deceased Aunt the account was opened up XX/XX/XXXX of 2024 that's the first time that it showed up on my credit report with XXXX we are now in XXXX of 2024 by the Fair crediting act they can not have this on my credit history and 2024 this is over XXXX years old this is illegal and they know it they've been contacting more than a hundred times in the last 10 years to remove this from my credit report and I want all negative remarks from this company removed from my credit report now
Consumer complaint received 2020-06-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

On XX/XX/2017, I was contacted by Procollect INC on Behalf of XXXX XXXX XXXX, stating that I owe a balance of {$970.00} which was later reported on my credit. I made a full payment to the collection company with the promise that it would be removed from my credit report once the debt is paid off, which I paid. However they didn't keep to their promise! The collection still shows on my credit report and due to that my credit has been impacted negatively.
Consumer complaint received 2020-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A. (CA)

On or about XX/XX/2020 Sears/Citi Bank charged ( my personal checking ) XXXX XXXX for a fee of {$2.00} Please note that this account is set up on the auto reoccurring payments. I have verified this fact and it has been in place before the account was ledgered for the {$2.00} debit originating from XXXX grocer. The fact remains that the deferred amount was deducted by  SEARS /CITI and a positive remark was recorded on the ledger. However, shortly there after and for reasons unknown this charge would be returned, reflecting a negative remark? This must be a technical glitch which resulted in this creditors failure to insure solvency and continuing to bill my bank!

Today I pulled my credit report and the negative 20 points that resulted from this billing glitch is behind my complaint today. I took steps to contact the Banks representative ( s ) and was informed ( By the auto attendent ) that the bank could not understand my request
Consumer complaint received 2020-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

I had a XXXX account which went into collections years ago. I filed for chapter XXXX bankruptcy and had that account as well as others discharged XX/XX/XXXX under case number XXXX. While the bankruptcy was listed separately. Most accounts discharged under the bankruptcy including the XXXX account was still showing up individually, some showing it was discharged under chapter XXXX and others not. On XX/XX/XXXX Experian dropped my credit score by 26 points for updating that the XXXX account was included in the bankruptcy over a year ago which had already taken a hit because of the bankruptcy at the time when it was posted to all 3 credit bureaus. This is like double jeopardy and 26 points was a lot for an account previously included in a bankruptcy which has been reported for almost two years so far.
Consumer complaint received 2020-06-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

This email is being sent because of the undue burden placed upon me in an attempt to repay a student loan. 


SUMMARY In XXXX my student loan was consolidated with Navient in the amount of {$21000.00}. To date, I have paid {$74000.00} and STILL have a balance due of {$52000.00}. In addition, I will end up paying back an estimated {$160000.00} in total with the Income Based Repayment Plan currently being offered by Navient. This would be {$140000.00} in interest on a {$21000.00} loan. 


DETAILED INFORMATION On XX/XX/1996 the original principle on my consolidated FFELP Student Loan was {$21000.00}. 

Over the last 29 years, I have managed to stay out of defaulting on this loan by making payments totaling XXXX XXXX XXXX XXXX XXXX XXXX  Dollars and XXXX Cents ( {$74000.00} ). 

During this time, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dollars and XXXX XXXX Cents ( {$37000.00} ) in interest has been CAPITALIZED, converted into principle. 

To pay off this balance using the Income Based Payment Plan, Navient has provided an estimated pay off date ofXX/XX/XXXX. This entails XXXX @ $ XXXX = {$87000.00}, which when added to the {$74000.00} I have already paid would be a total of {$160000.00}. This is an estimated {$140000.00} in addition to the {$21000.00} loan, nearly 7 times what was borrowed! 

With {$74000.00} already paid, this debt poses an undue financial burden on me and my family.
Consumer complaint received 2020-06-26
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. (GA)

I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, police report and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.