davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-16
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (PA)

good morning< my name is XXXX XXXX, I'm actually trying to fix my credit and currently working with a financial institution that recommended self credit builders, I opened and account but in the website and the way they word it its a savings account witch its because its a cd but they're charging me a XXXX XXXX on my own money that I deposit, so its a cd with the bank lend money to someone else that they charge interest on but they're charging me double or triple on interest on my own money and on top of that they way they reported to the credit bureau its like I have a valance of {$510.00} with it will be the tenth of XXXX  months making a {$25.00} monthly payment. Its a shame that financial institutions take advantage of people with bad credit when literally they work with credit bureau so consumers don't have good credit because how can it be possible you make a payment of {$500.00} 0n your account and you earn XXXX points but you over spend XXXX on your credit card and automatitly drop XXXX points.
Consumer complaint received 2024-09-18
Product: Credit 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: CITIBANK, N.A. (NY)

Dear CFPB representatives, I am writing to bring to your attention an issue I have encountered with City XXXX  and City regarding a misleading booking that was not resolved to my satisfaction. The booking was made in XXXX for a hotel in XXXX, XXXX, costing approximately {$1200.00} per night. The property was advertised with amenities such as Wi-Fi in all rooms, a bar, and a spa, none of which were available during my stay. Additionally, the Wi-Fi service was unreliable, and the establishment was more akin to an Airbnb, contrary to its advertised description as a hotel. Wifi only worked when you were standing by the door at desk. 

Despite expressing my dissatisfaction both during and after my stay, and providing evidence of the lack of amenities, and screenshots of the booking reservation showing the provided amenities, after 100+ emails, City XXXX offered only XXXX loyalty points as compensation. I find this insufficient given the nature of the complaint and the premium nature of the booking. I subsequently requested a refund equating to a third of the booking value, which was denied. 

After escalating the matter, I was informed by City that the booking is nonrefundable, effectively concluding the dispute. I believe this violates consumer protection principles as the services were misrepresented. Moreover, Citys administration of the dispute with City XXXX presents a conflict of interest, compromising the objectivity of the resolution process. 

I am particularly concerned that Citys policies may not align with the Fair Credit Billing Act and other consumer protection laws. This situation has caused me significant inconvenience and confusion due to the ineffective support and lack of clear, consumer-centric resolution procedures. 

I kindly ask for your guidance and intervention to ensure that my complaint is fairly addressed and that appropriate measures are taken to prevent such occurrences from affecting other consumers. Please let me know if any further information is required to support this inquiry. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: eMortgage Funding LLC (NC)

Decided not to use mortgage and requested the appraisal I paid for to be sent to another lender. They have refused to do so. I sent them specific instructions as required and mortgage has ignored my request on numerous occasions.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (LA)

financial: 0% Paid Off, Balance: XXXX XXXX, Updated Balance: XXXX XXXX XXXX  Original Balance: XXXX Account Info: XXXX Open/closed: Open Date Opened: XXXX XXXX XXXX, Account Type: Installment Account.: XXXX Responsibility: Individual Account: Terms: 64 Months, Address: XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX-Ed financial #2; 0% Paid Off, Balance: XXXX, Balanced UpdateXXXX XXXX XXXXXXXX, Original Balance: XXXX  Account Number: XXXX  Open/Closed: Open: Date Opened: XXXX XXXX XXXX: Account Type: Installment Account. Payment Summary: XXXX Status : Paid Or Paying  As Agreed. Status Updated: XXXX XXXX Past Due Amount:: XXXX   Monthly Payment: XXXX: Responsibility: Individual Account: Terms: 64 Months : Contact Info: Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXXXXXX XXXX  Balance Details: 0%  Paid Off: Balance: XXXX, Balanced Updated: XXXX XXXX XXXX Original Balance: XXXX Account Number: XXXX Date Opened XXXX XXXX XXXX XXXX  : Account Type: Open Account. Status Updated: XXXX XXXX Contact Info: XXXX XXXX XXXX: Address: XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NC)

Initially prior to the payments for student loans to start back up after covid I had Federal Student loans. I had my loans consolidated using XXXX which in turn they used Mohela as my servicer!! I've had no billings statements since then sent to me!! Then come to find out my loans went from Federal to Private without my knowledge prior to agreement signed! I wasn't told this before the agreement!!! Had I been told that I wouldn't have agreed to it! Plus since repayments started I believe last fall my balance has only gone down like {$700.00} with payments of {$300.00} a month! Most of my loans were over XXXX XXXX XXXX and the remaining ones were XXXX + years prior to consolidation!!! At a minimum I believe I should be moved to another provider preferably back to where I came from!!!
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In Accordance with the fair credit reporting act. The account under 15 usc 1681. 
XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A.section 2 its also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681 ( A ) ( 1 ) A person shall not furnish any information related to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno (CA)

It's been months now and my money is stuck in Juno account. I can't withdraw my money and as per them they can't do anything as their partner bank has issues with other bank and a court case is filled. 

My hard earned money is stuck and I think I lost the money. This is very painful. 

Would request you please XXXX  in here and help everyone.
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NC)

This is a different/new issue regarding Chase. On XX/XX/year>, Chase did a credit check and approved me for a " XXXX '' credit card. I have attached a screenshot of their approval letter. It was a hard check. 

On XX/XX/year>, Chase oddly closed it for no reason. I hadn't even activated it yet. 

In addition, I believe they have been dishonest in communicating w/ CFPB and me. Regarding a previous matter, they act like I'm not trying to contact them and refuse to cooperate in terms of emailing me back. I have tried now 6 times, using all the emails I can think of. Given the nature of their persistent miscommunications, I would only like to communicate with them in writing, which I think is reasonable. Why do they only want to call, which is recorded anyway? 

Also in regard to my previous complaint, I did try to return a voicemail from someone claiming to be from Chase XXXX XXXX and " we are trying to find a resolution for you '' but no one called me back. So I emailed saying please email me. 6 times I have done that, and no response from Chase. 

It seems they are trying to make it look like they are trying to contact me but aren't. Just email me if you really want to find a resolution, it's not a lot to ask. This shouldn't be their way or the highway, in my opinion.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (GA)

I received a letter dated XX/XX/year> from Barclays, stating that my Banana Republic Rewards XXXX credit line had been reduced based on information it had received from XXXX XXXX. It then listed the factors on the credit report from XXXX XXXX. Of course, this information is false. 
I contacted Barclays to dispute the information listed in its letter was incorrect, and I requested a copy of the report it had received from XXXX. 

Then, I contacted XXXX. After going around in circles with them for XXXX days, I finally got a real person to speak to. I told him the reason for my call. He verified that the only negative information on my credit file with them was a late payment reported by XXXX. Nothing else. I asked him to send a copy of the credit report it had submitted to Barclays. He said it would take approximately XXXX ( XXXX ) business days. To date, I have not received such a report. 

These companies receive millions of dollars selling our personal information to the highest bidders. We get nothing in return. They want us to pay them to obtain our information. They need to be more responsible and held accountable for providing false information that adversely affects consumers ' financial status.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION (NY)

I am writing to file a formal complaint against Sallie Mae for incorrectly reporting late payment for my daughter student loan account that Im a cosigner. This false negative information has significantly impacted my credit score and purchasing ability. 

Details : My daughters have been a responsible borrowers with Sallie Mae and are currently in school and all accounts should be in defermant on student loan. However, I discovered that Sallie Mae falsely reported a late payment to my daugher account to which Im a cosigner to the major credit bureaus. This incorrect information has led to a drop in my credit score.

Impact : This erroneous report has negatively affected my financial standing and purchasing ability. Specifically : I was denied a purchase and decrease to my credit due to the lower credit score. 
I am now facing higher interest rates on loans and credit cards. 
My overall creditworthiness has been unfairly compromised. 

Attempts to Resolve : Upon noticing the false report, I immediately contacted Sallie Mae to rectify the error. Despite providing proof to their error, Sallie Mae has not corrected the false report. I also recently filed disputes with XXXX, but the information remains unchanged. 

Request for Relief : I respectfully request that the CFPB investigate this matter and take the following actions : Ensure Sallie Mae corrects the false late payment report on my credit file. 
Require Sallie Mae to notify all major credit bureaus of the correction. 
Provide compensation for any financial harm caused by this false report, including higher interest rates and denied credit applications. 
Implement measures to prevent future occurrences of such errors by Sallie Mae.
Consumer complaint received 2024-07-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: WELLS FARGO & COMPANY (FL)

In XX/XX/year> I applied for a loan modification review. It was granted in early XX/XX/year>. In late XXXX Wells Fargo 's attorney filed for foreclosure. They neglected to tell the attorney about the modification until our second hearing in XXXX, that the modification was acknowledged in open court. They were sending me communication requests from the underwriter then they stopped. I have not been able to get detailed timely information since. They have also been calling the wrong number to contact me and won't correct the problem. They have also gone out of their way to get XXXX XXXX not to speak to me as well. I need communication with the servicer directly to proceed.
Consumer complaint received 2024-07-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd. (OH)

I received a piece of mail stating Harris & Harris Ltd. was attempting to collect a debt from XXXX XXXX. I called Harris & Harris Ltd the day I received the mail and the customer service representative was unpleasant at best. She stated they didn't have any other information and they could try to get it but it could take 90 days and I needed to check my spam folder each day for an email. This is not helpful! If a debt collector is attempting to collect, wouldn't they have the statement to share with the party involved? Another option would be to send me the statement once they have received ( if they receive ). I'm waiting and checking spam to see if it arrives in 90 days. Again, NOT HELPFUL!
Consumer complaint received 2024-07-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NH)

I would like you to look into the fact that part of my consolidated loans ( there were direct federal loans consolidated into this private student loan consolidation account ) with FirstMark Services are denying to give me a school misconduct discharge application. I asked for the school misconduct application, shared with them that I have BD approval and am part of the post-class applicants for the XXXX XXXX XXXX lawsuit, and my request to receive the application was denied. I went to XXXX XXXX XXXX XXXX XXXX XXXX from XXXX, and filed in time for the post-class action lawsuit, which means I am qualified for a full refund of Direct Federal loan payments made to date, and discharge of the remaining balance. They are currently only allowing me to go into forbearance for 2 months, then I will have to wait 12 months before requesting forbearance again.
Consumer complaint received 2024-07-10
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

I am writing to file a complaint against XXXX 's regarding my credit card account ending in XXXX. Over the past XXXX months, I have made several calls to their customer service line at XXXX. During these calls, I was assured that the interest and late fees would be removed if my card balance was paid in full. 

I have since paid the balance in full, yet the promised removal of the interest and late fees has not been reflected on my account. Despite my repeated attempts to resolve this issue directly with XXXX XXXX XXXX XXXX, no action has been taken. 

I am seeking your assistance to protect my consumer rights and ensure that XXXX XXXX XXXX XXXX fulfills their promise. Enclosed are copies of my account statements, correspondence with XXXX XXXX XXXX XXXX, and any other relevant documentation for your review. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (FL)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX JPMCB CARD SERVICES XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Last 4 of SSN : XXXXXXXX XXXX  : Account Number To whom it may concern, According to my most recent credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization on XX/XX/year>. I do not recall granting you this authorization to review my credit report. 
The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found, please remove the inquiry from the three main credit bureaus. 
The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence, so I would greatly appreciate a response from you within thirty ( 30 ) days. 
Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. 
Best Regards, XXXX XXXX
Consumer complaint received 2024-07-18
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

I deposited a check into my account in which I was told to do so by the program who gave me the the check.My check is being held because the bank cant get in touch with the bank who issued the check.The funds are available but theirs a restriction on my account that I asked to be released in which they havent done!
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (GA)

This account was started fraudulently, Ive asked this company to stop reporting this fraudulent account which was the result of identity yet they continue to violate my rights and reputation by reporting these fraudulent items on my report. This needs to be removed immediately this is a violation of Georgia Consumer Law and the FCRA. Remove this from my credit report immediately and stop destroying and defaming my credibility.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (HI)

I opened an account and followed the steps to receive a {$400.00} bonus but it was never deposited. I have reached out to the company via phone twice and chat twice to resolve this issue and they tell me the money will be in the account the following week and it is never deposited.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (MI)

I leased a vehicle from Kia XXXX XXXX  under duress and the person who usually services leases was not available and the dealer XXXX XXXX insisted I lease the car as he could not make a needed change on the old lease due to my divorce. So I did it. It was not explained to me that at the end of the lease I would incur a charge if I did not purchase or lease a car from them at the end of my lease. At the end of my lease, I was told I had to turn in the car 2 days early since the lease end date was on a Sunday and they were closed. When I turned in the car 2 days early, I was told because I was recently XXXX and had no income, that they could not help me get another car. Shortly after that, I received a bill from Kia Finance. I called and informed them I was not paying a fee that I was never informed about and that I had no income at the time to pay the fee. They said it was due anyway. Since I was never informed about this fee and the dealership refused to help me secure another car, I felt I should not have to be in debt for this fee. They did not respond but eventually sent the bill into collections. They put a chargeback on my credit report without any notice. Eventually due to my XXXX I had to sell my house. I tried to rent an apartment in XXXX MI and I was refused due to the charge back. I contacted Kia finance and they offered me a discounted rate to pay it off. In XXXX of 2024 the entire amount negotiated was payed by me even though the amount was higher than the original amount. I was was told in XXXX of 2024 I would receive a letter showing the account paid in full and closed. They said I needed to write to their credit department to get it off my credit report. That didnt happen so I contacted them again. Still they did not send confirmation. I am still waiting for this to happen. For some reason when I became XXXX, my credit score took a dive. I have a long history of very good credit. This happens to be the only bill I have ever refused to pay in my entire life. How can a XXXX dollar company target people like me and ruin their credit? If it cant be removed, at least report the correct information on the account, please.