davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (IN)

This is a very strange situation. My ex husband claims he met a Chase private banker while playing a video game called XXXX. I noticed my banking app had " XXXX XXXX  '' on it and I also received a XXXX XXXX debit card. This also meant when I went into a branch for anything, I could ONLY speak with a XXXX XXXX XXXX. This may all sound petty, however, this is a breach of privacy, as I did NOT authorize this change to my account. 

Qualifications for having a Chase XXXX XXXX  Account : There is a $ XXXX Monthly Service Fee for Chase XXXX XXXX Checking OR {$0.00} when you have at least one of the following each statement period : an average beginning day balance of {$150000.00} or more in any combination of this account and linked qualifying ( a ) deposits/ ( b ) investments OR, a linked Chase XXXX XXXX XXXX account. 

We NEVER had anywhere close to {$150000.00}. I am not sure how/why this change was made... but it is very scary that my account was modified without permission. This instance happened back between XXXX and XXXX, I believe. Chase would not give me any information, as the change was made to my ex husband 's account. Yet my account was still affected, as they were linked some how. This is a huge breach of privacy, and I do believe Chase needs to be held accountable to for this. I am open to providing any additional information you may need. Thank you in advance.
Consumer complaint received 2021-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCD Financial, LLC (CA)

This company is reporting my account late and it is not late in fact I paid it in full last month when I called them to fix it they refused and said I had to wait until next month. This is illegal to report info inaccurately. And they took my XXXX $ then reported my account late my score dropped 75 poults
Consumer complaint received 2024-03-04
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. (MO)

I was overcharged {$340.00} for XXXX XXXX performed on XX/XX/XXXX by XXXX XXXX in XXXX XXXX  MO.After 5 months of XXXX, XXXX XXXX called me and informed me on XXXX XXXX, XXXX that they were sending me a check. No check was ever received. 

I submitted a fraudent charge complaint on XXXX, XXXX to my credit card company Citibank Mastercard . After hearing nothing, on XX/XX/XXXX I contacted Citibank for a status report. They informed me they had lost my electronically filed complaint and I would now required to file a written hardcopy compaint which I did. 
On XX/XX/XXXX I contacted Citibank Mastercard who indicated they had received my hardcopy complaint and would order an expedited response. 
On XX/XX/XXXX I again contacted Citibank Mastercard who stated they have no record of any complaint filed before XXXX XXXX, XXXX which is just outside their 6 month time limit for any action on fraudulent credit card losses. I cancelled my credit card in disgust with Citibank 's fraudulent actions regarding my dispute.
Consumer complaint received 2024-03-04
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (VA)

Dear CFPB, I am writing to inform you of a dispute I have with my credit report. I have identified inaccurate information on my report from ( XXXX, XXXX, and XXXX ). 

Dear JEFFERSON CAPITAL SYSTEMS I, XXXX XXXXXXXX XXXX am disputing all debts owed. I am also writing you this letter to revoke all means of communication with me via email, text, mail, calls. 


JEFFERSON CAPITAL SYSTEMS Collection Agency did not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but they placed a collection on your consumer report.

I have not have not been given the opportunity to dispute account according to law 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is currently violating my consumer rights by using false misleading, misrepresentation and deceptive means. 

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law, JEFFERSON CAPITAL SYSTEMS is in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) Also, I request that this debt be validated by furnishing my original purchase agreement between JEFFERSON CAPITAL SYSTEMS And the original creditor. I am also requesting JEFFERSON CAPITAL SYSTEMS their licensure and bond to collect this debt from me. 

I request that ( XXXX, XXXX, and XXXX ) investigate this dispute and remove or correct the inaccurate information within 30 days. 
Thank you for your time and assistance in this matter. 
Sincerely, XXXX XXXXXXXX XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ZuntaFi Corp (GA)

I am writing to you with great concern regarding a matter that has recently come to my attention. Upon reviewing my credit report, I discovered that there is an entry from your company, ZUNTAFI CORP, which has significantly damaged my credit score. It appears that this entry has been made without any basis or justification, as I have never engaged in any business transactions with ZUNTAFI CORP, nor have I ever had any dealings with your organization. As per the regulations outlined in the Fair Credit Reporting Act ( FCRA ), it is imperative that accurate and verifiable information is reported by credit agencies and companies. However, the entry made by ZUNTAFI CORP on my credit report is entirely erroneous and has had a detrimental impact on my financial standing. I hereby request that ZUNTAFI CORP promptly rectify this error and remove the inaccurate information from my credit report within 72 hours. Failure to do so will leave me with no choice but to pursue further legal action against ZUNTAFI CORP for violating the FCRA and causing undue harm to my creditworthiness. I trust that you will address this matter with the urgency and seriousness it deserves. Please acknowledge receipt of this letter and confirm your actions to rectify the error as soon as possible.
Consumer complaint received 2024-03-04
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Lendmark Financial Services (VA)

In XXXX I opened a personal loan with Lendmark, later that year I got married and my husband joined the XXXX. In XXXX I requested to enact my XXXX benefits, to reduce my interest rate and reimburse me the interest I had been paying. I applied for this twice and was denied both times. 

The first request was denied because our mailing address was Virginia. I explained to the representative who I had been working with on this matter, that our Home of XXXX was North Carolina. Our driver 's licenses were both NC, our cars were registered in NC at the time and more importantly, the loan originated in NC. 

The request was again denied this time because they said I didn't qualify for XXXX and not giving any further explanation. 

I then submitted a complaint with the company and with the XXXX. 

My complaint number with Lendwark was # XXXX. After numerous attempts to speak with someone of importance at Lendmark about this complaint, I finally spoke to XXXX, the Assitant Vice President on XX/XX/XXXX, XXXX Who told me that they would not enact my XXXX benefits and reimburse me because of the XXXX  Lending Act. 

The NC XXXX extends protections to dependents, which I am being a spouse of an XXXX XXXXXXXX XXXX member. Lendmark reduced my interest but they refuse to refund me the overpayment in interest from the start of XXXX XXXX.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Paramount Capital Group, Inc. (IN)

The letter tells the debt collector to stop contacting me unless they can show evidence that I am responsible for this debt. Stopping contact does not cancel the debt. So, if a debt collector still believes I am really responsible for the debt, they could still take other action. For example you still might be sued or have the status of the debt reported to a credit bureau.
Consumer complaint received 2024-03-04
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. (TX)

I was staying 4 days at XXXX XXXX XXXX in XXXX, XXXX. From the moment there we were pushed aside, we have made several complaints of the room and it's location and the grounds outside that look like a junk yard. Everything that was said online that we were supposed to receive we did not. The hotel manager did not give us different room. And he showed he didn't care. Also my sister fell on the walking path of the grounds and was injured. XXXX XXXX XXXX XXXX. And bleeding. They offer no help or assistance. The sidewalks were all uneven and no caution signs anywhere. Nor did they offer medical assistance. And she had to pay {$1500.00}. Doctor and dental visits. We were also treated unfairly and disrespect towards us. I even had one employee said to me on the side the hotel Manager to the staff not give us any hospitality nor and marked us as terrible guest. The whole stay was very uncomfortable and they did nothing to make it better. I have asked and requested for any sum of a refund. They said no and wouldn't allow me to talk the the ones incharge to file a complaint. I called and they never send me over there to file a complaint. I was hung up alot. I disputed the charge with the Citi Advantage credit card, and I gave them all I can of reasons why and they ruled in the hotel favor. Then tells me I have 10 to 15 days to appeal. Not even one day I tried to appeal it. I was mot allow to and they said the case is closed and I'm responsible. I never had an appeal or a fighting chance. I called again to appeal i spoke to another they canceled my card and labeled that charge {$3100.00} as fraudulent. I was told they would take it off. After 30 days they did not and issued me another card. I called and they said they will not take it off and I'm responsible for it, after they lied and said they would take it off and more investigation. They are basically making me pay for services I did not receive or was entitled to. I feel I'm being forced to pay this or the credit card is making me and they disregard my rights. They made it quite clear I am liable for charges made that I disputed. As long as they get there money the consumer has no rights.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (CT)

A fraudulent collections account was placed on my credit report today for XXXX XXXX. I dont own or have ever owned/financed a XXXX or related car. I have filed a dispute with all credit bureaus. It is impossible to get a hold of this " company ''. I called a dozen times and I get put on hold and then eventually it goes to a voicemail. How is it fair for me, someone whos been trying to rebuild my credit and I get my score ruined for a XXXX collections account? Please help me. I don't know what else to do to resolve this matter.
Consumer complaint received 2016-01-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: GOLDMAN SACHS BANK USA (IL)

I purchased my home in XXXX XXXX. In XXXX I experienced economic hardships which caused delay in mortgage payments and eventually my payments were not accepted as of XXXX XXXX. As a result, I received a letter around XXXX of XXXX for the foreclosure of my property. My mortgage was sold multiple times with XXXX being the initial lender in XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX did not give me a fair shot at a home modification. I believe I was treated unfairly with no regard to me losing my home despite of attending several mediations. The attorney for XXXX XXXX XXXX was adamant about pursuing a foreclosure. He was not willing to work with me. 

During mediation, I was given an option to apply for a home modification. My application was denied several times. They denied my first application for making too much money. They denied my second application for making too little money. They denied my third application prior to the date in which they said it was due. As a result of their denials, my case went to trial for a foreclosure judgement against me. 

My house was sold in a judicial auction for $ XXXX. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX suggested I pay $ XXXX. XXXX XXXX, XXXX are claiming to be the new owners of the property. I believe I was discriminated against at the onset of this process. I was told to submit paperwork over and over, I did and to no avail. I attended mediation with legal representation and made numerous efforts to save my home. I was gainfully employed and able to make payments. Despite all of this, they have not budged and continue to pursue foreclosure. This foreclosure process was fraudulent to begin with. The home modification suggestion offered to me was a scam to obtain more money. This has caused so much stress and health related issues. I am a working union tradesman with funds to save my home.
Consumer complaint received 2024-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (SC)

This debt is over ten years old. It is a debt that was written off by XXXX because it was an error on their part after I fulfilled the contract and canceled service. It was disputed and removed from my credit report again last year in XXXX. It has now been purchased and, again, reopened way past the expiration date of the debt. They are fraudulently causing errors and drops on peoples ' credit scores and need to be stopped.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (OH)

Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.
Consumer complaint received 2024-02-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TX)

On XXXX  I did a dispute with i.c. systems through the cfpb report no. XXXX they have removed the debt from my consumer report i.c. systems continues to harass me over an alleged debt that is not mines. I.c systems willfully reinserted this account to my consumer report on XX/XX/XXXX this item has been resolved on XXXX  it is illegal to reinsert a negative item on my consumer report i.c. systems has not sent me any validation of the alleged account or contacted me about reinserting this account back on my consumer report. This has brought my score down tremendously and I am suffering from this item being on my consumer reports. This is considered double jeopardy and it is illegal.
Consumer complaint received 2024-01-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (FL)

I am submitting a complaint against my student loan servicer, Mohela. 

I applied for the IDR program in XX/XX/2023, and Mohela failed to process my paperwork promptly. Despite multiple calls, I was told my paperwork was still being processed. I had to call at least five times to place a forbearance on my loan while waiting for the paperwork. The first bill I received from Mohela in XXXX was just one week before the payment due date. Mohela only allowed me to place a forbearance for one month and continued billing me. I had to keep calling to extend the forbearance while the IDR was being processed. In XXXX, I was informed that the IDR was not sent to the correct department and had to be resubmitted. 

As of XX/XX/XXXX, it still stated that my IDR was being processed. Once again, I had to call Mohela to inquire and ask to put my loan on forbearance, as I received a bill with a XXXX due date. The representative couldn't help, and I was transferred to a supervisor who was supposed to call me back within 24 hours. The call didn't happen as promised. On XX/XX/XXXX at XXXX XXXX, a supervisor called me back, and after a 30-minute conversation, blamed the XXXX Department of Education for not forwarding my income verification. This contradicted my submission of all required information in XX/XX/2023. I was then asked to certify my income over the phone and have the IDR resubmitted for the third time. 

Mohela 's handling of applications and customer service is subpar, exhibiting disorganization, long hold times, delayed form processing, and errors necessitating multiple calls for forbearance due to their mistakes. Not to mention all the issues on them processing the student loan forgiveness applications in a timely manner. Please address this issue promptly. 

Thank you.
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

I attempted to put a credit report freeze with Experian on XXXX/XXXX/XXXX. They sent me a a message that they could not grant the freeze based on the info that I provided. Neither XXXX nor XXXX had any problem granting the freezes with my information. They said I could up-load the XXXX documents required for my identity. I tried to up-load but they said they could not process the up- loads and to mail the documents to them. I mailed them on XXXX/XXXX/XXXX. I have had no response. I tried to call them on XXXX/XXXX/XXXX and went through their menu on my phone. They responded as though I had made another request for a credit freeze which they said was granted and that they would e-mail me the required PIN. It is XXXX/XXXX/XXXX now and I have not received the PIN.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NY)

XXXX of XXXX I joined XXXX XXXX XXXX as despite always paying on time, my credit debt was too high and I just wasn't able to pay down my credit. I was assured that joining this program wouldn't hurt my credit. XX/XX/XXXX XXXX of XXXX took my first payment and paid every single month. Apparently at the time I signed up for the program, Synchrony bank was having issues with their system that accepts the proposals and it took over a month to resolve. At this time, I was told not to worry, Synchrony was resolving it. All of the other Synchrony besides XXXX resolved the issue. 

I noticed my past due continued to go up with Paypal, I contacted XXXX of XXXX who reached out to Synchrony PayPal. Paypal was delayed in response. They finally got an answer and found that Paypal had accepted the agreement of {$84.00} but in their system had the amount that was accepted for the Synchrony XXXX of {$100.00}. In XXXX of XXXX, I was told Synchrony wanted a larger payment per month going forward but they would reverse the negative reporting and late fees as they had accepted the original proposal. In XXXX, my credit report was corrected but I still was showing a past due amount. I contacted XXXX of XXXX about the past due balance. I was told this was Synchrony banks issue and that it wasn't due, therefore I didn't need to pay it. 

In XXXX, the late payments went back on my credit report. I contacted XXXX of XXXX and was told yet again that Synchrony bank would fix it. XX/XX/XXXX Synchrony put my account in Charge off status because the incorrect past due amount was never corrected for the incorrect payment that had in their system. Historically, my credit score had been in the high XXXX, low XXXX due to high debt but I had always paid everything on time. Because of the incorrect serious delinquency and charge off status my credit score went to the mid to high XXXX. 

I contacted all 3 credit bureaus to get this corrected. It took less than a month for XXXX to fix. XXXX XXXX disputes and over 2 months and there is still an incorrect past due payment that shouldn't be there, and XXXX still hasn't fixed the charged off account status. During the time of incorrect reporting, I have gotten notices of getting denied for credit, having my credit revoked or decreased due to the incorrect lower score while I was trying to resolve this. I have since gotten off of the credit program and paid off almost all of my credit card debit. My score is now in low to mid XXXX but I am still getting letters of my revoking, denying, and reducing my credit due to the Synchrony Paypal issue.
Consumer complaint received 2021-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (AZ)

I requested my free annual credit report from Equifax, and they provided me a blank file. When I tried to request another copy, Equifax stated that I had already received my annual free credit report. I contacted Equifax about this concern through and have heard nothing back. It has been over 72 business hours since I made my initial request. Equifax is unlawful withholding my personal financial information and refuses to acknowledge their wrongdoing.