davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-11
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MD)

LETTER to Care Credit XXXX XXXX, XXXX. No response from company. 

In reviewing activity on my account, I see that every payment due date ( XXXX ) a late fee is assessed on my account. The late fee increased from {$30.00} in XXXX to {$41.00}. 

Rather than my balance decreasing as expected since I always paid more than the amount due, my balance has remained high due to late fees being assessed ON the due date ( XXXX ) rather than AFTER the due date to confirm a payment being late. 

Additionally, the late fee amount exceeds the maximum late fee allowed in Maryland. 

CareCredit is committing a rip off of consumers as evidenced by my payment history : XX/XX/XXXX late fee 7 days later payment of {$200.00} XX/XX/XXXX late fee 1 day later payment of {$200.00} XX/XX/XXXX late fee 3 days later payment of {$200.00} XXXX XXXX late fee 11 days later payment of {$200.00} XXXX XXXX late fee 7 days later payment of {$200.00}. 
XXXX XXXX late fee 2 days later payment of {$200.00} XXXX XXXX late fee 4 days later payment of {$200.00} I called CareCredit today regarding the XXXX late fee which was refunded by the auto system. I am requesting that CareCredit reviews these late fees charged in respect to state law AND reasonableness. How can a company charge a late fee before the due date has passed? Consequently, CareCredit has preemptively negated my effort to pay more than the amount due each month to reduce my balance as soon as possible! CareCredits policy of charging a late fee irrespective of whether a payment is late ( evidenced by assessing the fee ON the due date ) is FRAUD!! 

I look forward to a response from CareCredit.
Consumer complaint received 2024-01-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION (TX)

In 2018 I was going through financial hardship. My wife was XXXX and I fell behind on my Navy Federal credit card. My wife and I were in the XXXX and we called Navy Federal to see what our options were. I spoke to a representative and my wife was a witness, he told me that I could refinance my car with the collection included, he told me that I would be paying for the car three times over and he recommended that I paid it off sooner but he could add that collection to the car refinancing and add more years onto my payment. I had no other options so I was willing to do that, so I refinanced my credit card collection with the car, and I have been making my payments ever since. Well, my brother was trying to Navy Federal to Navy Federal my sister Money her account wasnt going so he did a test trial with my account to see if it was his account that had issue or hers. Once he transferred the money to my account, Navy Federal took the {$4000.00}, and upon speaking with them, they told me it was for the credit card collection. First of all the funds were not mine second of all, I didnt give Navy Federal permission to take funds from my account third I have been paying a car note for almost 10 years which included that credit card collection. Upon speaking with them, they said that they can not retrieve the phone conversation that was had with the representative because it was too far back so I provided them with a screenshot from my account that says refinance with collateral collection. They still have not gotten back to me. They have not returned the funds that were not mine, this is the only credit card that Ive had with Navy Federal and if there is a different credit card that theyre speaking in reference to I have requested validation and verification of that card because Ive only had this one. At one point there was a breach of XXXX information. I logged into my account and it said that there was a mortgage open in my name through Navy Federal mortgage. I immediately reached out to them, and after three days they had it deleted, but Im not sure whats going on with their systems. All I know is they owe that {$4000.00} back And no one has been responding to help me. I would have never refinanced my car that only had two years left of payments without the credit collection being included. Im attaching proof that my brother was trying to send those funds to another account. This was the message he received, which is why he tried to send it to my account, those funds did not belong to me. The representative was not able to explain to me why my refinance would say refinance with collections yet not include the credit card collection. They said that they dont have the ability to retrieve the phone call as if that is my fault.
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I saw an ad on XXXX about a scooter from XXXX for {$69.00}. 
Thinking this was a great deal, I immediately purchased using my Capital One Walmart rewards credit card. I happened to be texting a friend after making the purchase, informing her that I felt unsure about the purchase, because companies usually send confirmation, but I had not received email confirmation. I proceeded to lock my card, with the expectation that the credit card company would contact me prior to allowing the transaction. She reviewed the information and took some screenshots, showing that the company had no affiliation with XXXX and the numerous complaints reporting the business, XXXX was a scam. I repeatedly checked to see if the purchase showed on my credit card charges and finally, the next day after locking my card, the charges showed. I immediately contacted capital one and tried to resolve the issue. They said that since the purchase was still pending, I would have to wait XXXX business days for the charge to show at which point I could call back to dispute it. 
My issue is that the charges did not show until after I locked the card. The purchase was made the night of XX/XX/2023 after which I had locked the card and the pending charge was placed on XXXX The company acknowledged that I locked the card, however, they refuse to remove the charge even after the lock was put in place. I received no call questioning why the card was locked.
Consumer complaint received 2022-10-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Equifax about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Why dont you actually research my account history this time and see the errors yourselves? After doing so you will see that it is false to report I was late on XX/XX/2020. Please update and correct my account right away. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (TX)

in accordance to the fair credit reporting act, this creditor has violated my rights under 15 usc 1681 sec 602 states ; i have the right to privacy, 15 usc 1681 sec 604a sec 2 ; states consumer reporting agency can not furnish account without my instruction, sec15 usc 1666b states ; creditor may not treat a payment on a credit card account under an open and consumer credit plan as late, for any purpose.
Consumer complaint received 2020-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (AZ)

I CONTACTED WELLS FARGO FOR I DIDN'T RECEIVE THE PRODUCT I PAID FOR FROM MY CHECKING ACCOUNT WELLS FARGO CREDITED ME HALF OF THE DISPUTE THEN REVERSED THE ISSUE AND MADE MA {$6400.00} NEGATIVE IN MY ACCOUNT CLOSED THE ISSUE WITHOUT MY AUTHORIZATION
Consumer complaint received 2023-05-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: American First Finance, Inc. (MI)

Good Afternoon, I am following up based on the information discussed on the phone call today with XXXX. 

During our conversation, I advised XXXX that the information you reporting to XXXX is inaccurate. Since XXXX, the account has been reflecting as a CLOSED CHARGED OFF, witha balance od {$320.00} suddenly ( today ) the account is showing as an OPEN account. Per XXXX, it should NOT have been reporting as a CHARGE OFF or CLOSED as it was only CHARGED OFF internally. XXXX also advised that the account should have always reflected {$760.00}. 

I advised XXXX that 1. I do not owe that amount. I had insurance to cover my purchase, your company applied a damage waiver of {$400.00} for the bed but could not cover the full amount due to XXXX XXXX admitting that the bed was damaged due to their employee not putting the bed together correctly ( please note that I continued to pay while you conducted your investigation ). XXXX XXXX is responsible for the remaining balance not me as the bed could not bed used due to their error. Your company began reflecting the account as a closed charge off with a balance of {$320.00} ( please see below ) and has done so for the last 4 years up until today. This was disputed because I do not owe and your company XXXX XXXX does, your company came back stating the information was verified ( please see below ). 

Today XXXX offers me {$220.00} to close the account, this is laughable because the account has already adversely affect my life. Please see snippets of how your company has been showing on my Credit Report. 

As a resolution, please update the account as paid/closed as soon as possible and send a letter via email confirming that this has been done to ( XXXX ). The information previously reported has negatively impacted my life and was being reported inaccurately ( this was admitted on a recorded conversation ) and I will seek to pursue Montary relief if this issue is not resolved. 

Additionally, this is bad business, also admittedly and proven by the damage waiver payment applied to the account there was damage done to the bed, it was not fully cover due to the issue/damage ( admittedly ) being the fault of the merchant not me. 

Please also be advise this company previously responded to an investigation that the account reporting as closed/charge off for {$320.00} was accurate. 


If you have any questions, please reach out to me at XXXX.
Consumer complaint received 2022-12-12
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: Experian Information Solutions Inc. (GA)

The inquiries listed in my report were unauthorized .I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-15
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: TOYOTA MOTOR CREDIT CORPORATION (CA)

Hey i am a Co-signer for XXXX XXXX and I need help with my credit report there is alot of errors I received a charge off after a total loss I have proof that the creditor/bank sent me a letter stating the account was paid in full and never received anything regarding a remaining balance they keep reporting the charge off every month I tried to dispute multiple times but they will not correct it they are reporting late payment and the charge off every month which is affecting me a lot the amount of the charge off is {$2400.00} Iam now being harrased by 2 collection agency XXXX XXXX  and XXXX XXXX XXXX I refuse to pay a collection that is not mine or had no knowledge of after my total loss accident since they bank sent me a letter saying As of the date of this letter, your account is considered as paid in full subject to a final accounting and receipt of good funds. please help me pleaseeeeee
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: NAVY FEDERAL CREDIT UNION (CA)

My credit score keeps declining due to Navy Federal failing to report that my statement balance of {$2000.00} has not been paid off. My credit score has dropped XXXX points since XX/XX/2024. I have been paying off my balances on time, but the delay on reporting my debts have been paid off has taken away all the work I put into building up my credit.
Consumer complaint received 2021-03-13
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. (NY)

I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2022-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd. (SC)

Collection bureau of a Original creditor XXXX XXXX XXXX. Added to credit reports on XX/XX/2022. Showing collection for XXXX XXXX and XX/XX/2022. Total amount of {$470.00} added to collections. I have called company XXXX XXXXs because this isn't my account. They never call back. I have tried disputing and it's still on my reports. I never had an account with company and they won't remove it from my credit report.
Consumer complaint received 2023-10-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (IL)

I saw this offer from XXXX about used XXXX XXXX pro for {$750.00}, I negotiated with the seller to {$600.00} and he agreed to it, then we exchanged phone numbers so we could communicate easily. I structured XXXX payments, {$350.00} for him to send the phone, {$150.00} after he mailed the phone, and {$100.00} after I got it. He sent me a XXXX XXXX number XXXX and when I saw the status that the package hadn't been handed off, he told me to wait for the next day which was the first time I had my suspicion and the next day when I contacted him, I realized he blocked me. I tried to contact him ( XXXX ) XXXX with another phone number and he responded to me saying I was weird and I need to calm down, he sent me his ID and SSN, his name is XXXX, XXXX XXXX XXXX. I felt more relaxed after he gave me his ID but then he also blocked me on that number and when I tried to contact the number again, his number is gone and a new guy has that phone number.
Consumer complaint received 2021-03-13
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: Meade & Associates, Inc. (OH)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2023-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (VA)

This is the 2nd complaint I am filing against Mohela because the first complaint did not address my concerns whatsoever. 

Mohela literally said " you have zero payments towards PSLF. '' However, that is not true. They say they are waiting on Federal Student Aid to provide them payment counts ; however, anytime I chat FSA on XXXX the Dept. of Education refers me to Mohela and says only they can provide it. 

There is a back-and-forth between the US dept. of ed and Mohela that is absolutely flawed and detrimentally impacting me. I should have reached loan forgiveness already, and now I am having to wait an untold number of weeks or months to have that loan forgiveness completed, and thus my credit score is impacted. 

I will continue to submit complaints until my payment counts are updated in a timely manner. Timely manner is a matter of days, not months.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MECHANICS BANK (KS)

provided a third party ( person ) with my personal and private information. According to 15 U.S. Code 6801, your establishment is to protect my privacy and not share any of my information with any third party ( person ). I was not provided with the necessary documentation you needed to provide to me to sign to grant your establishment to share my information with any third party ( person ). Those documents require three signatures from me, to grant your establishment to share my private and personal information with any third party ( person )..
Consumer complaint received 2017-03-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (NM)

XXXX XXXX XXXX XXXX, North Dakota and Washington Federal ( Share ) A Secured Credit Credit Card with US Bank. XX/XX/XXXX ( Online ) I ' Applied for a Secured Visa for a College Apartment. The Website did not. record the Monthly Income Amount of Social Security XXXX Income, Public Assistance and Personal Income with Washington Federal. XX/XX/XXXXBy, Letter I Received Notice that, I was unable to be. Approved. XXXX XXXX, 2017 By, Phone ) I Updated my Information with XXXX XXXX of the Correct Income that should have been. or should be. recorded in Application for the Secured Credit Card. By,Phone ) I was told that, my my Information was Now Updated and Processing would take ( 2-3 ) Weeks. XX/XX/XXXXBy, ( Phone ) I was told that, the Processing was not. Submitted and a 'New ' Application Transfer must take place in a Reprocessing of Application for a Secured Credit Card.
Consumer complaint received 2024-03-18
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. (CA)

In this carefully orchestrated dance of finance and privacy, my right not to have my-personal information unjustly shared, finds backing in 15 USC 6801 . The clause articulates that every financial institution, ( which, in this case, includes the Furnisher of information to credit agencies ), has an unyielding obligation to maintain the sanctity of their customers ' privacy and to shield their nonpublic personal information. 

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 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 2023-05-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Best Service Co.,Inc (OR)

Collection agency : The Best Service Company, XXXX XXXX XXXX XXXX XXXX, CA XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Account # XXXX My complaint is both against XXXX XXXX XXXX XXXX and The Best Service Company I orginally had a checking account with XXXX XXXX XXXX XXXX. Two overdraft payments were made of behalf ( not authorizied by me ), I was subsequently charged two overdfraft fees. I was paying off this debt to XXXX XXXX XXXX XXXX by electronically depositing funds to my account. XXXX XXXX XXXX XXXX was not charging me any interest or additional fees. I was able to pay most of the debt with the exception of the overdraft fees and approxiametly {$40.00}. XXXX XXXX XXXX XXXX stop accepting my deposits and turned the account over to The Best Service Company and this company proceeds to charge me a 9.00 % annual interest. Also I'm currently in XXXX  XXXX bankruptcy.
Consumer complaint received 2023-05-19
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: SYNCHRONY FINANCIAL (TX)

In Accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose