davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (DC)

I 've been a customer of the  Barclays   XXXX   XXXX  Mastercard for 4 years ( opened  XXXX / XXXX / XXXX  ) and requested a lower interest rate on  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX , and have been denied both times with no explanation as to why my interest rate has continually been the highest.     My first statement with them shows an interest rate of 24.99 %, however the advertised rates online are " 16.74 %, 20.74 % or 25.74 %, based on your creditworthiness. '' I requested a copy of my original agreement, but was told they can not send it to me.     My current interest rate is 25.74 %. Currently, my balance is {$7500.00}. Every time I make a payment, interest is charged shortly after in almost the same amount as the payment ( i.e. Payment in  XXXX  of {$170.00} on  XXXX , Interest Charged on  XXXX  of {$150.00} ; Payment in  XXXX  of {$200.00} on  XXXX , Interest Charged on  XXXX  of {$170.00} ). I was laid off twice in  XXXX , was unemployed from  XXXX  to  XXXX , but still making payments, but the interest just killed whatever progress I was making on paying down the card.     After calling to complain and threatening to close my account, I was told they periodically monitor my account for lower rates. The representative said there was a lower rate available to me of 24.74 %, so 1 % lower was all they could offer me after being a customer since  XXXX . In addition, the benefits that were available when I signed up were discontinued, but I was still paying more in fees that when I star  ted ( i.e. no more companion passes ).
There is no way I can get out of this debt!! This just seems like predatory lending. I get less benefits than when I started, my interest rate always goes up, never down, and I although my credit score a  t the time of application was considered good (  XXXX  range ), I was offered the highest interest rate they offer.
Consumer complaint received 2017-05-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (DE)

I have contacted  Jcpenny  's bank to make them aware, I was not receiving monthly statements. I would receive random emails about payments due. The emails request for payments, which were exceptionally inflated. I ask to be removed from the online billing. So, I can receive my bills in the mail. This was never done. As, a result I do n't get monthly bills and my account is being reported delinquent on my credit. I have been assessed late fees because of the banks error. This has been happening for  awhile.I  requested for the correction but no resolution has been provided.
Consumer complaint received 2017-05-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (CA)

I am filing a complaint agains t LVNV Funding, LLC, for unfa ir/unlawful debt collection practices. This company purchases charged off accounts from creditors then misrepresents themselves in court as  the Judgment Creditor. Apparent ly, they filed a judgment against me in absentia and are now trying to garnish my wages. I work for an employment agency as a long-term temporary employee and barely make enough to live on, so I ca n't afford a garnishment. Although, that is a moot point as this is n't a valid debt to begin with. According to the paperwork I only just received on Friday,  XXXX   XXXX , there was a Judgment filed on  XXXX   XXXX ,  2008 . I was never privy to any information about said court date ; I never had a Summons served, I received neither phone calls nor letters from them - not an absolute thing. I have not been told who the original creditor is, so I have no proof that this debt ever belonged to me, and, finally, all of my old charged off accounts have fallen off my credit report this year.
Consumer complaint received 2017-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelson and Kennard (CA)

I was sent a letter by an attorney  XXXX   XXXX  wi th Nelson & Kennard   XXXX .  XXXX   XXXX ,  XXXX  CA  XXXX . They stated that I owed  XXXX  to  XXXX   XXXX    XXXX     XXXX .  XXXX   XXXX .  XXXX , VA  XXXX , and they were going to obtain judgement against me for that. This letter was dated  XXXX   XXXX ,  2017 , I had 30 days to write them back and dispute the debt. I did so, and asked to see the application for the debt, and to know where the moneys were sent to. Because I never signed such an applicaton nor have I ever recieved any moneys from them.   They wrote me back a letter with reciepts attached from  XXXX   XXXX   XXXX . Not what I requested? Nor was it any help to me.   I am going to reply to both  XXXX   XXXX  and  Nelson & Kennard, b ut have not yet done so as I am requesting help from you.
Consumer complaint received 2017-05-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (KY)

They tell me my loan will be forgiven after  ten y ears and then you talk to another representative and they say  twenty  years. It started out with  eight  years. I 'm so confused. My loan is increasing instead of decreasing, even though I have auto pay. It went from  XXXX  dollars to  XXXX  dollars in  one  year! I wish I had never went into forbearance like they suggested in  XX/XX/XXXX . I have record of paying sinc e  XX/XX/XXXX , i t 's on my loan site, I followed their advice and it only made paying back the loan worse. Still to this day, one person says one thing ( in the same company ) and another representative says another. I think they are trained to do that. I just want to pay my loan off. I was even told one year ago in  XX/XX/XXXX , by someone  XXXX  at   XXXX   XXXX   on  XX/XX/XXXX , that I only had 100 more payments to go, because I had already made  twenty  payments and now I 'm just getting the run around. Not sure what is going on. Something about paying  XXXX  dollars in order to do something, not sure. Bottom line, I should never went into forbearance or try to get help with this forgiveness program. I would have walked to work if I had known all this was going to happen.
Consumer complaint received 2017-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XXXX   XXXX ,  2017  I applied online for  a Khol 's Dep artment store credit card. I answered some fraud information questions and at the end of the application it stated I would receive a letter in 10 days. On  XXXX   XXXX ,  2017  I received a letter from Kohl 's stating " unable to verify fraud information '' and was denied credit. I called the company and asked why was I denied credit because Kohl 's did not make an attempt to telephone me to verify my identity due to a fraud alert on my credit file. The Representative was agitated and stated there was nothing she could do and the decision was final. I re-applied a week after that for credit, answered the identity questions, and once again, I received a letter on  XXXX   XXXX ,  2017  stating " Unable to verify fraud information ''. I never received a telephone call to verify my identity. Kohl 's department  Store  deliberately denied me credit. They have improperly used my credit report and fraud alert information. Kohl 's is refusing to correct this matter.
Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On  XXXX / XXXX / XXXX  I was made aware from   XXXX   XXXX   XXXX   that I had a loss history report on my consumer report, he emailed me a copy. The company that reported it was  XXXX   XXXX ,  XXXX  I called and spoke to  XXXX , she said there was nothing on my repot in regards to this matter. Then I was in the process of buying a used car, when I received several notices from  XXXX ,  XXXX   XXXX ,  XXXX , that I would be denied insurance because  Trans Union  has a vehicle loss from  XXXX / XXXX / XXXX  that states I owned a  XXXX   XXXX   XXXX  & was in a n accident & policy holder was unknown, & the other driver is unknown. It says that I was paid {$3700.0 0}. I do n't know where this information came from because I have not owned a car for over 20 years. I was not driving or in any car that was in an accident. I also contacted  Trans Union they s ent me my credit report not my consumer report, also said there was no history of that. It has to be on my report because all od the denial notices where after notifying them.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-11-01
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 my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$500.00} ; XXXX XXXX XXXX  : {$5500.00} ; XXXX XXXX XXXX XX/XX/2022.
Consumer complaint received 2017-05-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I purchased a    XXXX   XXXX      from  Toyota f inance company around     XX/XX/XXXX - XX/XX/XXXX . In to the loan I ran into financial problem. I was taken to court and I was hit with a Child support bill and back pay. That crippled me for about 6 months. I could make the payment so I called and told toyota to come pick up the  XXXX . They came and got the  XXXX  and sold the  XXXX  at a auction and sent me a bill of  XXXX  to pay for the  XXXX . If i had  XXXX  to pay i would have kept the  XXXX . Now I have this law firm    XXXX   XXXX   XXXX   XXXX    harassing me. After the first time th ey where rude on the phone i blocked their number so I would not get calls from them. Then I went to pay m y Auto lo an online this month and it was denied. I called the bank and they told me that  XXXX   XXXX   XXXX   XXXX  has a lien hold on my bank account and will not let me take out any money. With no access to any money what can I do?
Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

I have disputes with Equifax  three  seperate times  XXXX  tax liens showing on my report. This item was incorrectly assessed at the creditors level. Because the first  two  disputes came back as verified by  XXXX  I did my own research. Verified that this debt was not mine and the issue was resolved at the creditor level.  XXXX   XXXX  did a investigation per my request found the debt to not belong to me and removed it from their files. I started my third dispute with Equifax. This item was removed promptly by   XXXX    and  XXXX . I faxed my   XXXX   XXXX   report to Equifax with my dispute. Equifax stated numerous different things to me such as they verified the debt directly with the lien holder  (  creditor ). Which they did not. I requested in writing how they verified the debt. That statement sent to me by  XXXX  stated it was verified through   XXXX   XXXX  . It was not. Once I received that statement from experian I asked for an updated copy of my file from   XXXX   XXXX   It was still clear of the debt. I have spent well over  20  hours on the phone with  XXXX  to remove this item and they refuse stating that it was verified directly from the source. I called the source of the debt. They stated that they do not communicate with credit agencies directly ever. I asked for verification that the debt was not mine. The creditor stated that it never existed so they could not send me any letter stating that the debt was not mine. Additionally they stated that my record is clear of the debt and should reflect as such. It does reflect correctly with   XXXX   XXXX  . I am in a mortgage closing situation and it is delayed because of this refusal to remove the item. I can not close a mortgage loan with tax liens on my credit. My original close date  was      XX/XX/XXXX . It  is pushed back indefinitely. The owners may recind our contract to purchase. I have been calling actively since the end of     XXXX   2017   but the initial dispute was submitte d two ye ars ago.
Consumer complaint received 2017-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Filing a complaint against Experian :   XXXX  /2017- Sent a letter disputing inaccurate/ unrecognizable information from my credit report Never Received a response  XXXX /2017- Sent another letter to follow up and asking for immediate removal of information as my request was ignored.     Still no response.     To this date,  XXXX   XXXX ,  2017 , I still have not received a response from Experian
Consumer complaint received 2017-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Equifax is in direct violation of section  605B  of the Fair Credit Reporting Act for your continued willful and negligent of noncompliance of secti on 605B of  the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within  four  business days and to promptly notify the furnisher (  s  ) of that information. Here it is the  XXXX  of  XXXX   XXXX  and it still show on my update report on     XXXX   XXXX   XXXX   account.     Now as I rea d 605B th ere are only  XXXX  reasons a CRA can refuse to block :  1. If the request is made in error. ( It 's not ). 2. If the facts were materially misstated. ( how could they possibly know or obtain evidence to prove that or reach that conclusion ( especially within 4 days ). 3. If  they had knowledge the consumer received goods or services with the transaction ( again, how could a CRA have any knowledge to thi s one w ay or the other ).     They have violated me on at le ast 14 separate o ccasions according to you own records ( see attachment previous disputes confirmation number s )  from  XXXX   XXXX ,  XXXX  thru the present. The fact that they have ignored my request to block or verify the disputed account is evidence that they can not and did not verify the disputed account like they said they did or act incompliance with the law. Their failure to delete or block the disputed account aft er three written requests is also evidence of their willful disregard of Federal Law. They say that they have reinvestigated these accounts but you ve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation o f 1681 ( a ) ( 4  ).     Equifax bears grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. If they can not verify this account they are required to promptly DELETE this information. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I  XXXX  be entitled to under Section  616 and Section 617  regarding your continued willful and negligent noncompliance.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I submitted a letter to the XXXX Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them 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 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 2017-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX   XXXX ,    2017 B  ureau of Consumer Protection  Federal Trade Commission  XXXX    XXXX   XXXX   XXXX ,  XXXX    XXXX   DC  XXXX  RE : FAILURE TO RE SPOND TO DELTETION/CORRECTION LETTER To Whom It May C oncern : On  XXXX   XXXX ,  2017,  I received a letter from   XXXX   that they had completed an investigation and deleted the bogus information on my file ( please see attached ), yet as of today it still shows on my credit file and has not been deleted and they have refused to remove it.     The law stipulates that they must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. They also can not add it back to my file per the law.   XXXX   has not followed the law because they have not deleted the information per their own investigation.     I also understand t hat may  suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. This is an apparent disregard for consumer protection laws.     If you have any questions or need additional information, please contact me at the address noted below.       Thank you.     Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NC  XXXX
Consumer complaint received 2017-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (WA)

I was made aware of several fraudulent debts which included  a Home Depot car d with a balance of {$1200.00} on  XXXX   XXXX ,2017. I contacted security operations, filled out the company fraud affidavit online and faxed and sent by mail. I was advised that the account was escalated and would we completed  XXXX / XXXX / 2017 . I phoned in to get the status as this is holding up a mortgage approval and I was told it will take an additional 90 days which is not what they told my loan officer or myself when she submitted all of the documents.
Consumer complaint received 2023-07-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (FL)

Card was purchased for an employee of my company, card was purchased at XXXX and should have had {$100.00} on it. The company that provided this card was XXXX  Product was sealed when given to employee. When it was opened, the card had numbers scratched off the front. When we called the company to try to activate it, they told us the funds had been used already. 

They needed me to submit my drivers license ( front and back ), the gift card ( front and back ), a utility bill (??? ), and the receipt for the card. The company also told me that even after all of this, the funds could be tied up for more than a month. 

This is unacceptable and shady, it seems that they make it as difficult as possible to put in a claim and use the money we loaded onto the card. This should not be how business is done.