davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-30
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 (DC)

( 1 ) I have an existing and active Capital One credit card with a maximum credit of {$400.00}, and on XX/XX/XXXX, XXXX XXXX XXXX transacted an unauthorized amount of {$39.00} on to the card ; ( 2 ) Resolving the issue with XXXX was to no avail, so I contacted Capital One to dispute the transaction on the grounds that XXXX has not provided me with any showing by way of the video, and the amount of the toll ( s ) ; if such occurred ; ( 3 ) In response, Capital One took my rendition of the facts, informed me that they will investigate, and cancelled my card ending in XXXX, and issued a new card ending in XXXX ; ( 4 ) Upon completion of their investigation, Capital One sided with the merchant-as they always do ; yet, failed and refused to provide me with evidence of the basis by which I brought the dispute. In addition, Capital One informed me that if the merchant was to reinitiate the transaction, that Capital One will not allow me to dispute it, and that the reinitiated transaction will stand ; ( 5 ) Capital One has failed and refused to provide me with a video of the car going through a toll multiple times, and the price of the toll ( s ) ; which can only be substantiated as fact via the State 's XXXX website. Without this information, Capital One 's decision is not founded on the facts, but erroneous and baseless assertions by XXXX. In addition, XXXX is charging a {$30.00}, admin fee, a junk fee, that I never agreed to by any showing of my signature; ( 6 ) In addition, Capital One asserts that their reason is due to my having a 'relationship ' with the merchant and that it is not fraud. ( SIDE NOTE : Fraud and unauthorized are two entirely different concepts and Capital One 's dispute structure is designed to place a hidden veil on the latter when it comes to disputes to one 's card transactions. ) ; ( 7 ) Thus, Capital One issued me a new card ; yet, told me that " if '' the merchant chose to reinitiate the ( unauthorized ) transaction that they will allow it to stand. Yet, on XX/XX/XXXX, XXXX reinitiated a new unauthorized transaction. How could this happen unless Capital One provided XXXX with my new card number ; thus, aiding XXXX in the fraud? Lastly, Capital One has not provided me with any documents from XXXX showing by my signature that I specifically, agreed too, or waived any dispute against XXXX for unauthorized charges AGAINST a new card number. Let me repeat that, a New Card number, not the old card number.
Consumer complaint received 2021-10-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (FL)

On XX/XX/2021 my cryptocurrency got transferred to an external wallet without my consent. {$700.00} out of my account was cleared completely. 

I had XXXX SHIBA INU Coins and XXXX DOGE coins. 

I have 3 layers of security on my account so I do not understand how this could happen. 

I told them as soon as I saw the emails and they had me prove my identity only for 6 days later to tell me that there is nothing they could do about it and that I will not get my money back.
Consumer complaint received 2024-02-28
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. (TX)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. PLEASE DELETE THE FOLLOWING ITEMS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year>
Consumer complaint received 2021-10-27
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/2021, I have received some funds on my PayPal account for mutual aid purposes. But for some reason, PayPal made all of my money on hold because they thought my personal account was used for selling stuff. And now for the next few payments, I receive through PayPal, the payments may be temporarily held for up to 21 days. I need PayPal to lift up these pending payments also put my money back on my balance and NOT on hold. The money is from my friends & family for my own personal and daily use. I'm not a seller and ALL my transactions are for mutual aid purposes. Thank you.
Consumer complaint received 2021-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (GA)

The money was in my account. I provided Citibank with the correct routing and account number. An issue on their end caused the payments to be returned. I have provided documentation of the account information and balances at the time. I incurred unnecessary and unfair fees.
Consumer complaint received 2021-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2021 I had a balance of {$2500.00} which includes interest in residual charges at the end of billing cycle which wouldve been XX/XX/2021 this includes six additional days of interest and residual charges I paid the account off in full and carrying a XXXX balance 28 days later on XX/XX/2021 I received a notification of a balance of {$8.00} which is interest charges I immediately call Capital One customer service inquiring about the charges and requesting for them to reverse this charge, the representative indicated that there was nothing she can do to help me in this matter.
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My information was breached by more then one breach XXXX  data, XXXX XXXX, & found on black web since i found UNAUTHORIZED ACCOUNTS & INQUIRIES that need to be DELETED
Consumer complaint received 2019-09-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (CA)

On Thursday XX/XX/, 2019 I attempted to contact my private loan servicer ( FirstMark Services, a division of NelNet ; original Lender : XXXX XXXX  ) about the following issues : 1. Clarity on Why every time the loan switches hands the monthly payment is adjusted lower automatically. I had previously attempted to pay off the loan quicker by increasing my monthly payment amount but this auto-payment is regularly decreased by the loan servicer. It seems to me this is a tactic to just collect more interest over the life of the loan.

2. Requested to lower my interest rate. In the over 13 years since this Law Access Loan was issued, my credit score ( XXXX ) and financial profile has naturally improved dramatically. The interest rate is very high ( 6.2 % ) and I believe I should be able to negotiate with my original lender to lower my interest rate. I was told by the agent and then again by the " supervisor '' the only way to decrease my interest rate is to refinance with another lender. This loan has costed me over 65 % of the original loan value in interest alone and in any other financial sector a lender would allow you to refinance or renegotiate a better interest rate on the same loan/lender. Forcing me to refinance with another lender will affect my credit score due to the length of credit history ( newer account ) and the credit inquiry involved. Also my options are limited with other lenders because I am attempting to lower my interest rate on a small balance left on private loans whereas my balance on federal student loans is still quite large and many of the lenders I have approached are not approving me ( due to the other outstanding federal loans I have on IBR ). 

I have not been contacted by the supervisor 's supervisor as was promised.
Consumer complaint received 2022-11-14
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. (AZ)

For years, I have not been able to login to the Experian website. I have tried multiple times to get this resolved and in the end, I am ignored and so I give up. My most recent escalation case with Experian is XXXX and it has been over a month since the issue was escalated this time. I have emailed Experian using their email address multiple times and now, once again, not getting any response. When I use their link " forgot my XXXX '' I am able to verify my identity and I receive an email with my current XXXX, which has always been my XXXX. When I use their link " forgot my password '' the system asks for my username. When I submit my XXXX, their system says that my XXXX  does not exist. I am able to request a password reset link from Experian 's phone system and reset my password that way but I still can not login, despite resetting it multiple times. I have tried multiple computers and multiple web browsers. I have worked professionally in IT for over 20 years, I think I know how to login to a website and I have NO other issues with XXXX or XXXX. Any help the CFPB could provide to get this resolved would be greatly appreciated.
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: NAVY FEDERAL CREDIT UNION (PA)

I made XXXX purchases using my NavyFed credit card. 
XXXX ) In XXXX for XXXX XXXX pesos or XXXX {$2.00} ) XXXX XXXX for XXXX real or XXXX $ I have provided Navyfed with the original receipts from each company. I have provided Navyfed with XXXX XXXX rate on the day of the transactions. Navyfed refuses to provide me with XXXX XXXX and transaction details. I believe I was over harged by Navyfed almost {$200.00} with these transactions dating back to XX/XX/2023. 
I have made multiple calls, and over a dozen secure banking messages. The bank refuses to provide me the data and refund me the correct amount. I have been with Navyfed for 27 years and never experienced this level of disinformation.
Consumer complaint received 2021-10-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (VA)

This company has 3 different amounts I owe. Ive explained to them that I no knowledge of these amounts and I needed proof. They told me, they are not required to show me proof. I told the woman on the phone. Why couldnt I have proof of something Im required to pay. I was told the only thing they can do is send me an itemized bill. Which is still not proof. And I still havent received that information yet. I never received the bills in the mail before it went to collections. Ive disputed this multiple times. They havent put any of my response on file. I want these removed from account. Please help me.
Consumer complaint received 2021-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (IN)

My current lender is PennyMac. I noticed in XXXX that PennyMac was taking a little over {$5.00} more than the authorized payment each month for about 6 months. I called them on XX/XX/2021 and asked them why they were taking extra. The lady said she could not see any reason. I asked her to stop taking the extra and she responded that the correction would go into affect on XX/XX/XXXX. I put the exact amount that was suppose to be taken out of that account and PennyMac tried to take out the extra AGAIN!

I called PennyMac and told them they owed me the {$58.00} in non-sufficient funds fees that my bank charged me, that they needed to remove all of their charges, and that I would not pay my XXXX payment until they did. They agreed to do so but did not send me the reimbursement until around XX/XX/XXXX. I paid my XXXX payment on notice that the check had been sent out and received the check around the XXXX of XXXX. 

In the midst of all this, I was trying to refinance my home through a different company. Due to my payment being 30 days late they refused to refinance my home when all I had left was to close. They told me that if PennyMac would give me a letter explaining their failures they would refinance my house. PennyMac stated that they would give me a letter in 2-3 days ( by XX/XX/XXXX ) and I have yet to see such a letter. 

I have also requested the transcripts of my phone calls with them from XX/XX/XXXX until XX/XX/XXXX and they have refused to comply with the Freedom of Information Act.

This has cost me much time, headache, a refinance, and the cash back on my equity! I want PennyMac to make it right!
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 45 days later I have not received a response yet. I feel like I'm being ignored of my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.
Consumer complaint received 2021-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2021 More than 30 days ago, I sent the attached letter disputing several items in my credit report. Because they did not advise me of the results of my investigation within 30 days, the Fair Credit Reporting Act requires that they delete these items from my credit report.
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Cascade CISS Holdings, LLC (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 a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I am writing this letter to urgently bring attention to the fraudulent personal information linked to my identity. I noticed certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. Regrettably, I have become a victim of identity theft and have taken immediate action by reporting the incident.
Consumer complaint received 2024-02-28
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. (NY)

I recently reviewed a copy of my credit report.I was shocked to learn that I had been a victim of identity theft.I found numerous account on my credit report that were not open by me.This has been hurting me as I am in the process of buying a home for my family.Please remove these fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2022-10-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (OR)

I received a line of credit of a XXXX dollars so I took out a draw of XXXX around XXXX XXXX  and the other XXXX around XX/XX/2022 on this XXXX dollars I made XXXX payments XXXX dollars XXXX dollars and a pay off of XXXX dollars XXXX left my account with them owing me XXXX cents.then didn't use the line of credit again until XXXX 2022 took out the XXXX dollars then a few days later they tried taking around XXXX dollars out of my account saying it was 195 days of back intrest on the loan that I had paid in full on XX/XX/2022 that left them owing me XXXX cents I have reached out to them lots of times all I get in response is there very sorry and they will escalate the problem to upper management nobody ever calls XXXX ask them what my payment is on the money I actually do owe them and they can't tell me that because it is all been added together. So I don't know what to do because I can't make the payment on the money Iowe because they keep trying to take money out of my account for the loan that I have paid in full on XX/XX/XXXX I'm so frustrated it seems that they are trying to scam me out of money that I do not owe. I am trying to be fair and set up payments on the recent line of credit I took but I will not pay any money on the prior line of credit that I paid off on XX/XX/2022 that left them owing me XXXX cents wich they deposited back into my account on XX/XX/2022 because that was what was owed to me after payoff. So now they keep trying to take money out of my account wich I am not going to let happen until the issue with the last line of credit is resolved. I will start making payments on the draw that I received on XX/XX/XXXX when they fix my account and send me documentation showing me that I am only being charged on the line of credit that I received on XX/XX/XXXX. But all they do is give me the run around every time I call. Don't know what to XXXX recently tried taking almost XXXX dollars they are a tribal line of credit and if I can't get answers out of them I don't know who to turn to to get closure from this matter.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

I have letters from the XXXX XXXX XXXXXXXX informing me that Experian never contacted them by phone or letter even if experian did contact them they would not give any information about me or any cases, I am the victim of ID theft my name, ssi, date of birth and address has been used in a number of fraud accounts. Experian told me they looked up the bankruptcy on a public source or used a third party. here is the correct number to the XXXX XXXXXXXX clerk of courts phone number XXXX this who experian is claiming that is reporting the bankruptcy how is this true when they informed me they are not reporting anything to experian under account or reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts need to be blocked or removed due to ID theft i already filed a police report no need to file a new police report
Consumer complaint received 2021-10-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

I have two XXXX accounts for XXXX XXXX and XXXX. Both accounts were advertised as XXXX interest during the Covid shut down, and were opened in 2020. However, the billing dates are unclear. Each bill has a different due date. All bill notices are sent the day after the due date. Often, I pay the bill twice in one month only to be charged a late fee. Clearly, the goal by Synchrony is to charge fees, by creating confusion about when the bill should be paid, while advertising zero interest. Please address this matter as it creates usurious and predatory billing. Thanks.
Consumer complaint received 2021-10-27
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)

MY NAME IS XXXX XXXX MY DATE OF BIRTH IS XX/XX/XXXX AND TODAYS DATE IS XX/XX/XXXX am filing this complaint myself without any help of a attorney or credit agent I'M WRITING THIS COMPLAINT BECAUSE I previously notified Equifax that I am a victim of identity theft, and requested that Equifax Close the unauthorized account AND Take steps to remove information about this fraudulent account from my credit files AND BLOCK IT FROM RE REPORTING I SENT IN A COPY OF MY FTC REPORT WITH MY POLICE REPORT ( 103 true Identity theft ) I'm a member of the Equifax data breach & have filed my claims accordingly i have been attempting to clear my credit report of these fraudulent items XXXX XXXX XXXX XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX Date opened XXXX XXXX, XXXX IVE BEEN CONTACTING Equifax SINCE XXXX THEY HAVE FAILED TO DO A PROPER INVESTIGATION INTO THIS MATTER These fraudulent debt is hindering my ability to apply for credit or even get a first time credit for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (OK)

I received a notice from the credit bureaus that I am 30 days past due for XXXX by {$110.00}. This isn't correct. I made a payment arrangement with Synchrony Gap last month that lowers the monthly payment to $ XXXXmonth. The first payment was made on time in XXXX. Nontheless GAP reported the account as past due anyway.