davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A. (CA)

Today I transferred {$800.00} from my business to my personal account. I then XXXX a payment out for {$300.00} which would have left me {$500.00} in my account. {$56.00} was missing from my account and the bank keeps that my account was overdrawn today, in which thats a lie. Because this morning at XXXX California time I was able to buy me some food for {$11.00}. All debit transactions are put on hold til the merchant pulls their money. Citi bank is steeling money and lyning about it saying the account was overdrawn. I have photo to show my trans action. On XXXX transactions they say my account was overdrawn, but it dont show on my end. Ive sent in screen shot of my account look at the time of the Transaction, remember Im in California, they are XXXX hour ahead of us. So if the account was overdrawn I couldnt have made the purchase this morning @ XXXX ; XXXX XXXX because I did not deposit my funds XXXX XXXX
Consumer complaint received 2023-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (HI)

I received electronic communication from Nelnet on XX/XX/XXXX  that I had been approved for the SAVE program, which stated that my payments would be {$0.00}. In attempts to keep my account from accruing interest under the SAVE plan, I wanted to start making payments and enroll in auto-pay to take advantage of the lower interest rate. Instead, I found that my account has been placed in Administrative Forbearance, with no notice from Nelnet and no explanation as to why. 

I attempted to contact Nelnet on XX/XX/XXXX  and XX/XX/XXXX  via email on the web site, as I have done with past communications, but have not received a reply other than an auto reply telling me to look at the FAQs for my answer or to call. 

Many others in my position say they spend hours on hold only to get a response from customer service that they dont know why theyve been placed in administrative forbearance or whether or not the interest accruing on their balance will be waived.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (TX)

I made formal requests to close my XXXX XXXX XXXX with Barclay 's Bank after numerous problems with customer service plus their frequent false positive fraud notifications which included freezing my card. The fraud notifications were almost universally wrong wasting my time on the phone with them to resolve. 

I started these requests online then by wet signature letter delivered to them by XXXX XXXX mail. These requests started on XX/XX/year> with the Certified letter then continued with repeated follow up requests through their online secure messaging center. I also blocked both cards. 

They continued to allow charges from automated payments with several companies even though the cards were blocked and my requests to close the account had been filed. 

I provided numerous documents below which include the Certified Letter and screenshots of their online secure messages I sent them. 

They have also charged me a new annual fee of {$1200.00} well after my requests to cancel the account and cards.
Consumer complaint received 2023-06-12
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: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX Account XXXX : XXXX
Consumer complaint received 2023-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (KY)

In XXXX of 2023, I received three letters from a debit collector Jefferson Capital that stated I used a service called XXXX which I did not. The first collection notice is Account # XXXX {$200.00} dated XX/XX/2023. The second collection notice Account # XXXX dated XX/XX/2023 in the amount of {$120.00}. The third collection notice Account # XXXX dated XX/XX/2023 in the amount of {$170.00}. I called Jefferson Capital on XXXX XXXX and explained that the charges are not mine, they stated that they would raise a dispute for me concerning theses charges. I then waited 30 days and checked my credit report and the three charges were still being reported as delinquent and in collections. I then called Jefferson Capital again in late XXXX and explained that the charges were still showing on my credit report, and again they said they would take care of this. XXXX I checked my credit report again and the charges were still being reported. I then Called XXXX they stated that they could not find any accounts for my name or even with the account numbers I provided from Jefferson Capital. Today I filed a Police report with the XXXX XXXX Police Department.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I contacted Equifax on behalf of my credit file merging with someone else 's credit file. I contacted them around XX/XX/XXXX and again in XX/XX/XXXX. In Both times I contacted Equifax I have undergone an extensive identification process by answering security questions, spelling the correct spelling of my name, and also sending in verified bills, driver 's license, and social security card. On the phone each time I contacted Equifax, I was told that the information was either requested to be removed or removed from my file. I asked Equifax to send a corrected Credit Report to my home address which I never received. About 30-60 days later around XXXX or XXXX of XXXX, I tried to pull my credit file via online at XXXX XXXX XXXXXXXX , Upon inserting my information to check the updated information on my credit file. I was unable to obtain my credit report and advised me to contact Equifax. On XX/XX/XXXX I reached out to Equifax via phone to verify myself via Drivers License and photo evaluation verification and was told the same information was still showing on the credit file, Again I disputed the information throughout the waiting process I was not contacted by Equifax no updated credit report was sent and I still had no access to pulling credit report from Equifax and either XXXX or XXXX. On XX/XX/XXXX I contacted Equifax via phone and spoke to yet another representative verifying myself as such, my Drivers License and picture verification process where the representative stated she saw in the system where I sent in the proof of identity and requested the merged name be removed from credit file and request to update the name on my credit file. She confirmed bill and social security card were in the system yet she could not update the address or remove/ dispute any other items on the credit file until I sent yet another bill/ proof of address i asked to speak to a supervisor and the telephone line was disconnected. 

I am very irritated and frustrated I have XXXX children and this circumstance is causing severe hardship i have done all I can do on my part by providing Equifax with all the information requested so this issue can be fixed and yet has to be fixed. Per FCRA Equifax has violated the Fair Credit Reporting Act by mixing my credit file with someone else 's, refusing my rights as a victim by not updating the inaccurate information on the credit file, still reporting wrong and misleading information on my report, and failing to correct or remove errors.
Consumer complaint received 2024-06-23
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: BARCLAYS BANK DELAWARE (FL)

This complaint is about Barclays XXXX XXXX and the JetBlue Plus credit card. 
The problem began because I had virtually no income from XX/XX/XXXX to XXXX XXXX due to the XXXX XXXX hacking. I work as a rXXXX XXXX XXXX XXXX XXXX XXXX and payments from insurance companies comprise most of my income from this position. Insurance did not pay for almost 2 months due to the XXXX XXXX hacking and I received payments of 10 % of my earnings or less from my job from XX/XX/XXXX to XX/XX/XXXX ( I can demonstrate this with bank statements if necessary ). 

Until XX/XX/XXXX, my maximum monthly payment had been {$210.00} and I sometimes paid more, like my last payment of {$230.00} on XX/XX/XXXX. I acknowledge that this payment was late and that's because, like I said, I had not gotten paid since XXXX. I called Barclays to let them know I was going to have problems making my payment due to the XXXX XXXX hack and all they said was that they hadn't heard of it and they hoped I could make my payment in time. 

Instead of helping me, in XX/XX/XXXX they doubled my minimum payment to over {$440.00}. 
The same month they lowered my credit limit from XXXX to XXXX. My credit card usage was at XXXX so what I understand from this is that they did it on purpose to make sure I would go over my limit. 

I was not able to pay the {$440.00} and I became late on my payment. Now, on XX/XX/XXXX, my monthly payment is up to {$820.00} and I can not afford that either. 

Barclays keeps sending me emails saying to log in to their site to set up a payment plan but then when I log in it says Im not eligible ( see screenshots ). 

It is my understanding that Barclays has acted unfairly by lowering my credit limit when they saw I was close to it and simultaneously doubling my monthly payment. 

What I want from them is for them to give me the fair chance to set up a payment plan at my previous payment of {$250.00} or less. 

On XX/XX/XXXX the Barclays Document Center no longer shows the letter where they lowered my credit limit. Looks like they erased it so I wouldnt be able to access it any longer.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending letters over 30 days ago, I have not received a response, nor have they provided satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-11-16
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. (FL)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX  Balance Owed : {$22000.00}.
Consumer complaint received 2024-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-17
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. (TX)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-05-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Maintaining timely payments for this account has been a consistent practice, making it distressing to encounter issues that are not of my making. Urgent rectification of my account and removal of any erroneous information causing undue stress are strongly requested.
Consumer complaint received 2023-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2024-05-05
Product: Debt collection — Auto debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Exeter Finance, LLC. (LA)

The amount is XXXX I traded in my car in 2015 and The new company paid off the old loan so I could have a new loan for my new car in years Later the company exeter finance Told me I owed XXXX
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts :
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely omitted : 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 2023-11-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Markoff Law LLC (OH)

Today, XX/XX/, I received an e-mail from a former employer with an attachment of a wage garnishment form stating " It appears I am supposed to forward a copy of this to you. I have attached a copy of the completed form accordingly. '' First off, I was embarrassed as a wage garnishment form was sent to my old employer. Second, I had no idea why someone was garnishing my wages so I researched the information provided on the attachment. I found a huge amount of information regarding a whole lawsuit had been filed against me by a plaintiff I had never heard of and a default judgement was awarded. 

Not only was all communication being sent to an address I had lived at more than XXXX years prior, the lawsuit was filed in a jurisdiction I no longer lived. I've never received any communication from this plaintiff regarding an amount owed, and now I have a default judgement entered against me. 

Not only is this public record now, this will also affect my credit. I didn't even have the opportunity to request validation of this amount as I have no information on it. If my former employer hadn't reached out and provided the wage garnishment affidavit I would have not known about any of this. I feel embarrassed and feel like I had the right to defend myself properly taken away from me.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
I earnestly request the removal of this entry from my credit report as it is not mine and appears to be fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about its impact on my creditworthiness. I implore you to conduct a thorough investigation and promptly rectify this error by removing this inaccurate information from my credit profile.
Consumer complaint received 2023-11-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kirschenbaum & Phillips P.C (NY)

Received a letter in the mail for a hearing and never got the opportunity to dispute and information regarding the debt was provided to a third party. This company has practiced deceptive debt collection and has not provided any evidence that the debt is owed by me.