davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (VA)

I used Synchrony Banks online pay 12 payments in advance on their site. Since XX/XX/2020 they have been charging me a late fee of XXXX each month because my two biweekly payments from their site did not fall on the date XXXX due date. Example I was accessed a XXXX dollar late payment as the automatic draft was taken out on the XXXX. The due date was the XXXX. So from XX/XX/2020 thru XXXX I was getting a late change but was using their online payment system to pay my monthly bill. I was never notified that I was being assessed a late fee either by email or mail. The only reason I discovered it was I logged on to enter 12 more pre payments. I called Synchrony bank and the customer service person stated even though it was in their system it was still late and a fee would be assess. I asked why I did not get a late fee notification and it was stated that it was my responsibility to check. Every other CC or bank loan had notified me if I was late. 

I thought that the bank was required to notify you if they assess a late fee and why. 
Using their system they can see there were two payments per month in their system. I believe Synchrony used unfair banking practices and build up my late fees without notifying me to rectify.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Starting XX/XX/XXXX, out of nowhere my federal student loan started showing as delinquent while we were under a national covid-19 pandemic. Federal student loans are suppose to be in forbearance and protected from wrong reporting and collection activities. I reached out to my student loan servicer XXXX & they informed me that the account payment information will be corrected, they also advised me to reach out the all credit bureaus. It's been months and my credit reports still show delinquent payments from XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2020-04-26
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (TN)

This complaint involves XXXX  ; Experian and XXXX  credit bureaus. I recently have filed several complaints against each of the referenced credit reporting bureaus. 
Each of the agencies is dismissive and claim they will not conduct subsequent investigations even though they have not conducted a reasonable investigation from the start. In each of the cases in which I have alleged fraudulent activity on credit cards, I provided both local and federal law enforcement reports, provided a federal report of a privacy and data breach, and finally that my information was being farmed on the dark web. Each of the credit bureaus, XXXX and XXXX XXXX XXXX XXXX have failed in their duty to me and to others. If CFPB fails as well, there will be no doubt the financial, credit and regulatory organizations are in one accord to defraud the nation.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (TN)

I visited XXXX 's in XXXX, Tennessee on XX/XX/2017. I tried to write a check for {$70.00}. I 've shipped at this store for years. The cashier told me my check was declined. I said there is no way. I work at the credit union the check is drawn on and there is money in that account. I 've never bounced a check in my life. I asked th cashier to run the check again and it was declined again. Another associate tried it again and still declined. I asked for the phone number and called Certegy Check Services. I spoke with a reo that said my check did n't meet the criteria but would n't tell me why. This was a huge embarrassment for me. I have excellent credit, long standing employment and lived at the same place for over 13 years. I would like an answer as to why my check was declined. It is pure discrimination and unfair. Something is very shady about that company.
Consumer complaint received 2021-03-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

In XXXX, XXXX, I was approved a total amount of {$64000.00} by SBA as an XXXX XXXXXXXX ( I am a XXXX XXXX XXXX by profession ). The fund was deposited into my checking account. The fund was initially held and was later released to me after providing all the documents used in applying for the loan. I opened a business account and transfer the funds in the account. In early XXXX without any notice I discovered that my account was held again for the second time and all my address was held. I called severally to find out why all my accounts are closed ; I was finally told that I am under investigation due to my SBA loan received. I was made aware that the fund will be returned to SBA. On XX/XX/XXXX I received a mail stating my account was closed because " it's no longer a good fit ''. I received an invoice for repayment of loan from SBA for the money I did not have access to. I called Capital again today, I was fortunate to speak to someone in the fraud department who told me that it was minute on the computer that my case was closed on XX/XX/XXXX, and the money has been returned to the government via secret service, who then will send the fund back to SBA. She said that is the process capital uses. I called SBA they said the fund has not been returned to them. 
I will be glad if you could use your good office to resolve this concern/problem in a transparent manner so that I will not be paying for the money I do not have. 
Thank you
Consumer complaint received 2019-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (AR)

Credit card account was opened in XXXX of XXXX. My job at the time had me living in another city and my wife was handling all of the bill payments. In late XXXX I discovered that my spouse was not paying the bill for this, which was about the time we began divorce proceedings. In XXXX of XXXX I was able to negotiate an amount with US Bank to settle the account. US Bank then showed the account closed with a balance of {$0.00}. They have not changed the status of the account and continue to show it as " payment after charge off/collection ''.
Consumer complaint received 2020-05-11
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. (FL)

CONTACTED CREDIT REPORTING AGENCY VIA USPS CERTIFIED MAIL ON XX/XX/20 ABOUT INCORRECT INFORMATION ON MY CREDIT REPORT. AND CREDIT REPORTING AGENCY DID NOT REMOVE OR MAKE NECESSARY CORRECTION.
Consumer complaint received 2020-07-17
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA (PA)

I reached out to the number on my credit report about an old student  debt that was paid off In 2015 Im trying to have it removed from my credit report and Im not getting anywhere. The company said that I would have to speak with the default team to have it removed but I dont believe they will remove it this has been on going for about a year to have it removed
Consumer complaint received 2020-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (TX)

Has Discover changed their payment policy since 2017? Are there now holds on payments to prevent thieves from making multiple payments in short period to exceed credit limit? This protects card holders as well as card companies. Discover allowed multiple payments in a very short time by thief who then exceeded credit limit.
Consumer complaint received 2020-05-11
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)

CONTACTED CREDIT REPORTING AGENCY VIA USPS CERTIFIED MAIL ON XX/XX/20 ABOUT INCORRECT INFORMATION ON MY CREDIT REPORT. AND CREDIT REPORTING AGENCY DID NOT REMOVE OR MAKE NECESSARY CORRECTION.
Consumer complaint received 2015-10-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (PA)

I recently graduated from XXXX and as such have close to {$500000.00} of debt. Unfortunately, being a XXXX person from a XXXX class family, the only way to achieve higher education is to borrow. There are no scholarships or grants for the white middle class. My loans were transferred to Navient. The issue is that they consistently send communications via email and also will tell me when I speak to them on the phone, that my payments are up to date. My dad and I started calling to make sure we confirmed with them because we kept getting charged random late fees. There will not be any payments due and suddenly in the same week there is a past due payment with late fee. I received an email on XXXX/XXXX/15 that my account was up to date and my next payment was due XXXX/XXXX/15. The next week I have 20 missed calls from an unknown number and suddenly they are past due for 3 months, and I owe {$1600.00} when I just paid {$3000.00} to stay current up until XX/XX/XXXX. IT MAKES NO SENSE. I 'm tired of being taken advantage of by these loan companies. First XXXX XXXX, now Navient. Now, my payments are suddenly {$3000.00} per month. As a first year physician in training I make {$2300.00} a month. How am I supposed to afford $ 3000 monthly payments now? They offer no assistance or flexibility. I went to XXXX because I was young and naive and wanted to help people. Now I 'm just getting XXXX. I have terrible credit, will never be able to buy a home or have enough money to have children until I 'm XXXX. I had no idea there was a such thing as poor XX/XX/XXXX.
Consumer complaint received 2021-03-01
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: World Omni Financial Corp. (FL)

Upon checking my credit report, I notice an account from SE TOYOTA FIN dba WOFC that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. I even threaten to escalate this violation higher to ensure that my rights were being upheld and still got no respond from them. I also sent certified letters to the three credit bureaus on XX/XX/2020 asking them to verify or remove the negative report on my credit report. I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2020-07-17
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. (VA)

Experian has failed to update credit reporting. Ive requested to have the past due reporting updated to current and never late for my XXXX XXXX account opened XX/XX/2017. They have failed to report accurate information and have violated my consumer rights according to the FCRA.
Consumer complaint received 2020-07-17
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/XXXX, Capitol One financed a vehicle with 8.4 % interest. On XX/XX/XXXX, I went to a Capitol One location and called for a pay off as of XX/XX/XXXX. On XX/XX/XXXX at XXXX am, an electronic payment was received by Capitol One from my XXXX XXXX XXXX account in the amount of {$12000.00} which is the amount both Capitol One representatives advised is needed to pay the account in full as of XX/XX/XXXX. On XX/XX/XXXX, I called Capitol One to make sure payment received, paid off, and no more fees due. The representative told me payment not received, will post to account 3 -5 days, and will back date to date payment received. The representative also told me to hold so she could find out if any other fees are due then the phone disconnected after a few minutes. I called again on XX/XX/XXXX. The automated system advised I owe {$11.00} and payment posted to account on XX/XX/XXXX ( electronic payment received by Capitol One on XXXX at XXXX am ). I selected the number on the phone to speak to a representative to advise payment received by Capitol One on XXXX not XX/XX/XXXX and to inquire why I owe interest from XX/XX/XXXX - XX/XX/XXXX. However, after holding for a few minutes the phone disconnected. I have all calls ( XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX to Capitol One recorded.
Consumer complaint received 2022-09-12
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-07-15
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: WELLS FARGO & COMPANY (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 375 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2020-07-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NV)

Item purchased on a credit was due for full payment in 18 months. However, the full purchase price was paid in six months. Best Buy Credit Cards claims that payment was made too soon in between due dates, therefore late fee is due. I do not believe I owe this company any late fees. They keep Harassing me for late fees. They need to be looked into.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

they reporting XXXX XXXX, i informed them if they can put in remarks sec that this bank took longer then the require time to correct the chg as they are require to.
Consumer complaint received 2022-01-06
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. (IL)

i talked to 5 people at XXXX and asked them to remove themselves from my credit report and they said they would but just tried selling me a loan which i didnt want
Consumer complaint received 2018-02-15
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: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX I called to report that my purse had been stolen 2 days prior. When I spoke to the representative through Wells Fargo Services, I was advised that I would not be held accountable for any transactions made on my account. At the time I called, I was asked if I had made any recent transactions. On XX/XX/XXXX, I was also advised an amount on my card for {$2100.00} was pending and the amount was adjusted and removed. The first card was closed and a new card was issued with a {$0.00} balance. I was sent a letter by the dispute department l, which I signed and dated confirming I did not authorize any charges. On XX/XX/XXXX, I received a letter from the dispute department stating this was a valid charge and my name and address matched for the transaction. I called immediately and spoke to card services again. The agent was rude and kept stating he could not help me and offered a fax number. I requested to speak to a Supervisor and she confirmed they had no notes on my file stating my purse was stolen along with my SS security number, driver 's licence, contact info such as phone number, email, etc. I always carry this type of information in my planner and wallet.
Consumer complaint received 2020-11-13
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: Experian Information Solutions Inc. (AR)

XXXX XXXX XXXX ( Account number XXXX ) is fraudulent. Law Enforcement Report has been filed. Please remove this FRAUD account from my credit file immediately. A FRAUD ALERT has been placed on my file at my request after LATE PAYMENTS from this FRAUD ACCOUNT destroyed my credit.
Consumer complaint received 2018-06-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc. (TN)

Received message about pursuing legal action, called back and spoke to XXXX who was very rude and would not give much detail about debt, I explained I have no knowledge of any loans or debts plus I filed bankruptcy. She kept arguing then said good luck wages will garnished and hung up, called me back and then began harassing me about filing bankruptcy in the past. They called my aunt who lives in another state and also called my elderly parents. All she said was this something to do with XXXX who I have never had a loan with. 

XXXX x XXXX XXXX XXXX
Consumer complaint received 2017-02-10
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MA)

Very difficult to get different payment options through Navient. More or less if you ca n't pay what they set for you, they only give you the option to go into forbearance. If you say that 's not an option, they say " tough luck ''.