davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021 I applied and was approved for Chase Bonvoy Boundless credit card. On my application, I gave my Marriott XXXX  account number.

Upon meeting minimum spend, I should receive sign-up bonus of 125,000 Marriott XXXX  points and 1 free night certificate redeemable at any hotel night stay of up to 50,000 Marriott Bonvoy points I met the minimum spend on XX/XX/2021, but I did not see any points deposited into my Marriott XXXX  account I reached out to Chase through Secure Messaging on XX/XX/2021. On XX/XX/XXXX, I heard back from Chase through Secure Messaging that a new Marriott XXXX number has been created for me, and that I should reach out to Marriott to combine the two different Marriott accounts. 
I do not understand why Chase had created a new Marriot
t XXXX  account for me. Taht is not what I had asked for. Nonetheless, I reached out to Marriott to have the two accounts combined.

Marriott claims that the name on my original account is not the same as the account Chase had opened for me. Marriott also asked for name change documentation. There has been no name change on my end. I do not know what Chase has done and why Chase had opened a new account that is not under my name.

Since Chase did not deposit the 125,000 Marriott XXXX  points and 1 free night certificate into a Marriott account that is available to me, this is effectively the same as denying me the sign-up bonus.

I had been given the runaround by Chase and Marriott people many times. I have no recourse but to file this complaint hoping CFBP can help me. 

Thank you for your kind attention. I look forward to seeing Chase rectify the situation and deposit XXXX points and the free night certificate into my Marriott account.

Attached you will find communication from Marriott claiming that the two Marriott accounts have different names even though you can see that they are not different.
Consumer complaint received 2020-01-09
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. (CA)

-- OPEN ACCOUNT -- 1. XXXX  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4400.00} -This is not my account. 

3. XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6000.00} -This is not my account. 

4. XXXXXXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

9. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2100.00} -This is not my account.
Consumer complaint received 2015-04-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The credit reporting agencies are incorrectly reporting my current account status as 60-120 days past due. I paid the accounts and have a zero balance. I want the credit agencies to report the current status correctly as " Paid as Agreed ''.
Consumer complaint received 2017-10-11
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: OPORTUN FINANCIAL CORPORATION (NV)

We are very upset this company is checking my credit every month and I think it is also sharing this information with other companies in the last XXXX years I checked my credit 8 times and they send me letters every month up to XXXX letters with a credit that I I 'm not asked and they call me at night
Consumer complaint received 2016-11-18
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

There is this woman that calls all night and all day from Capital One. It sounds like a recorded message. She blocks her calls but I was able to find a weird address XXXX She calls at all hours, Once, I tried to pick up the phone but no one is there
Consumer complaint received 2015-08-27
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc. (CA)

Today I received a call from EOS-CCA, a collection agency regarding a student loan in my daughter 's name. I am not a party to this transaction. I filed a complaint regarding XXXX XXXX XXXX continued calls ( XXXX calls to me ) after I informed them I am not a party to the transaction and to stop calling me - see complaint # XXXX. 

In XXXX response they stated the turned the transaction/collection back over to the bank, now I am getting calls from this company! 

I told them the same thing, and asked them to stop calling me which they said they would. 

My problem with these tactics is that the bank/lender is shopping this around to new collection agencies and we start anew each time and I get harassed over and over. 

Should the bank be responsible to notify the collection firm that I am NOT the debtor and not to contact me. Likewise, is the bank responsible for my ongoing harassment as they are providing my contact information to these firms and I have NO relationship with this bank. 
SincerelyXXXX XXXX
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: MoneyLion Inc. (CA)

I have received an email saying that I have created a profile money lion. I have never even heard of the this company. I called to speak with customer service which they were not helpful at all. They kept trying to get me to disclose information XXXX. full name and last 4 I did not provide any info because I felt it was a scam. The service rep said that the account was created and the only way for me to stop the account was to provide Information to stop the account. It did not sit well with me so now Im here trying to stop fraudulent activity.
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

Between XXXX XXXX XXXX XXXX, Hurricane Ian impacted Florida. I called my credit company " Chase '' for Hurricane Relief. I asked for my minimum balance for the month of XXXX to be pushed until XXXX. They were able to removed my payment however, I was charged for the month of XXXX. I ended up paying them with money I dd not have. We then have a major tropical storm/Hurricane in XXXX. I called Chase once again for Hurricane Relief for the month of XXXX. I informed them that I did not received the relief I had asked for in XXXX as I paid for it. A supervisor went ahead and " Refunded '' me back the amount to my checking account and placed me on the relief program in the month of XXXX. Shortly after, I started receiving credit report alerts that I am " 39 days '' past due on my credit card with chase. As of today, my credit score has decreased badly because of this issue chase has caused and I need this issue to be fixed immediately.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Please delete this XXXX  XXXX XXXX account of my report. It has been on my credit way too long. XXXX, XXXX already deleted it. As u will see in the documentation provided by your own company it should be off already. Please fix this. Thank you.
Consumer complaint received 2020-01-09
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MI)

DOES ANYONE AT XXXX ACTUALLY READ THESE COMPLAINTS?? OR JUST SEND OUT " CANNED '' RESPONSES? I HAVE ASKED SEVERAL TIMES FOR XXXX TO REMOVE A CHAPTER XXXX BANKRUPTCY FROM MY CREDIT REPORT. 

I HAVE NOT ASKED FOR IT TO BE " VERIFIED '' I AM ASKING FOR IT TO BE REMOVED. 

According to the Fair Credit Reporting Act ( FCRA ) a Chapter XXXX bankruptcy CAN remain on your credit history for up to 10-years from the filing date. the filing date was XX/XX/XXXX. 

There are some KEY PHRASES in that statement that need to be clarified : 1. " Can '' - The FCRA does not require that a bankruptcy remains on your credit report a full decade. 
2. " Up to '' - Again, 10 years is not a legal minimum, it is the maximum. So, legally, bankruptcy CAN BE REMOVED from a credit report before that limit is reached. 

Since the filing date was XX/XX/XXXX it will be REMOVED XX/XX/XXXX. 
I am requesting it to be removed now according to the FCRA. 

XXXX stated in their last response the following : Mr. XXXX   name, previous address XXXX XXXX XXXX XXXX, MI XXXX and full social security number reported to XXXX by the nationwide consumer reporting agencies. 

In this above statement, again XXXX is " VERIFYING '' the info and that is NOT what I question. WHAT I AM ASKING THEM TO " VERIFY " IN THEIR STATEMENT ARE, THEY INDICATE THEY RECEIVED MY INFORMATION BY THE " NATIONWIDE CONSUMER REPORTING AGENCIES '' WHO? WHICH ONES? 

This statement contradicts what they state in their canned responses in the past that they get the information from XXXX. I have attached a letter that the bankruptcy court has sent to me that they do not report to credit reporting agencies. 

As I stated in this letter I want the bankruptcy removed and if XXXX XXXX can not remove it than I ask WHO has to remove it or WHO do I have to call to have it removed as it has 99. % reached the MAXIMUM time limit from the filing date of XX/XX/XXXX.
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (OH)

As of XX/XX/XXXX I hired a debt consolidation company called XXXXXXXX XXXX XXXX to handle the credit card that I have with GoodYear Citibank. I hired a debit consolidation company because I have been going through a divorce since XX/XX/XXXX. I also have a court order showing that I have a trial date on XX/XX/XXXX and this is a joint responsibility to be divided or paid fully by my soon to be Ex-Husband. 

I have attached a copy of my court order and the summons they sent me. I will also be reaching out to the court house and send another copy of the court order to them. I am not able to settle this debt until my divorce is finalized and I know what I will be awarded.
Consumer complaint received 2022-08-27
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. (IN)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-07
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. (OH)

I HAVE MULTIPLE ACCOUNTS REPORTING ON MY CREDIT REPORT THAT I DO NOT OWN. I DEMAND ALL ACCOUNTS BE REMOVED IMMEDIATELY FROM ALL MY CREDIT REPORTS, IT WAS ADDED DURING A CYBER THREAT DATA BREACH.
Consumer complaint received 2017-01-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AL)

There are numerous inconsistencies and discrepancies with Nissan Motor Acceptance Corporation 's reporting to the XXXX major credit bureaus. I have never made a late payment and have spoken with customer service on numerous occasions to correct this matter. I have been assured numerous times that it will be corrected and updated but it has been months with no results. I request the following corrections be made : 1. XXXX - update payment information to CURRENT, NOT LATE for the months of XXXX XXXX, XXXX XXXX, and XXXX XXXX 2. XXXX - there is no account being reported and the account needs to be updated, reflecting ALL PAYMENTS CURRENT. 
3. XXXX - update payment information to CURRENT, NOT LATE for the months of XXXX XXXX, XXXX XXXX, and XXXX XXXX.
Consumer complaint received 2022-11-20
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (GA)

I, the consumer and natural person, was denied an account by PNC BANK when I applied for a XXXXbalance account and my documents, including a security instrument, were supposedly destroyed and not returned to me which is required by law. 
On XX/XX/2022 I made a deposit into the XXXX  XXXX XXXX in the outside deposit drawer of PNC at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Please see attached deposit items ). 

On XX/XX/2022, PNC assistant branch manager XXXX XXXX called to confirm my request and refused to open my XXXX balance account per the instructions in the deposit envelope. 

I, then requested on the same date that she have the legal department to review my documents and open the account as requested. As of XX/XX/XXXX, XXXX claims they ( the legal department ) rejected the documents ( message via another banker who answered the phone as she was busy ) and she never called me back as requested the week prior with an update, nor has she returned my documents. 

On XX/XX/2022 I sent a complaint via email and fax. 

On XX/XX/2022, XXXX XXXX, Vice President PNC Bank, XXXX  Client Relations XXXX XXXX, called to enlighten me that PNC does not offer this type of service despite it being on their website. She stated that she did not know what I was talking about. A very unfruitful conversation that ended in me requesting my documents back and her agreeing to do so. Here is the link : https : //www.pnc.comXXXX  As of XX/XX/2022, XXXX XXXX XXXX Vice President PNC Bank XXXX XXXX Client Relations XXXX XXXX, called to inform me that the documents were destroyed by XXXX XXXX at the XXXX XXXX  XXXX XXXX 

I am requesting my XXXX-balance account be opened per my instructions along under your treasury measurement services immediately upon receiving this request. I also would appreciate her returning my documentation asap that is identity theft because they scanned these documents and continue using them without my knowledge. All banks have the right to use my information as they see fit since I agreed to be a member of this bank and I would like to be able to benefit from my instruments and data being used without my authorization just like them. 

I would greatly like to have someone return a response to my request at your earliest convenience. If this transaction is not possible, I need in writing as to why I am not allowed to open this type of account although its blatantly advertised on their website. This is false misrepresentation and identity theft. Thank you XXXX XXXX Governs this transaction as all debts are pre-paid and access to my treasury account is granted by me extending credit to PNC via the instrument they claim was destroyed, but once accepted they must honor it. XXXX XXXX is another law/statute that states once a negotiable instrument is presented it must be honored.
Consumer complaint received 2022-01-28
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. (IL)

Hi I am submitting this XXXX XXXX without 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 XXXX has me at a score around XXXX. 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 transunion 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
Consumer complaint received 2017-10-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (TN)

I have requested a modification on my XXXX and XXXX mortgage which are interest only loan with Caliber Home Loan and they are refusing to give me mortgage assistance.I have submitted financials and the modification request several times and they refused to work with me, my loans are interest only loans and the interest rate is adjusting increasing my monthly mortgage payment.
Consumer complaint received 2022-11-20
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 (WA)

My paypal account is XXXX, My paypal account is permanently restricted, but I don't know why, I didn't violate any paypal company 's rules, but they just restricted my account permanently, this caused me a lot of damage, they shouldn't make arbitrary decisions like this, every arbitrary decision they make will cause me a lot of damage, I need to continue using paypal to pay online I am an XXXX XXXX  and I need to use paypal to buy goods from other sites, I don't understand why paypal would restrict my account because I didn't violate paypal 's rules
Consumer complaint received 2022-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (NY)

Barclays Bank XXXX XXXX XXXX XXXX, DE XXXX On XX/XX/2022 I used my credit card as defined under the 15 USC 1602 ( a ) ( l ) to extend myself credit through Barclay Bank for JetBlue Card. I do not understand why a denial occurred because I act on good faith and good credit.

I believe this is discriminatory and unlawful pursuant to 25 USC 1691 ( a ) ( 3 ). As a consumer and creditor, I extended my credit, you did not ask me for my credit report as the one with first hand knowledge of my credit worthiness. I DID NOT benefit from extending my credit to you as the consumer and cardholder.

I believe that this is an error Barclay Bank can fix. To preserve the judicial economy and save us both time and money in court. Barclay will remedy this error by : Issuing a credit card for {$20000.00} Barclay Bank JetBlue Card sent to the contact information/address stated on the credit card application. 

I look forward to hearing from you within 30 days, pursuant to federal law.
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SCA Collections, Inc. (GA)

I was not given the opportunity to opt-out under 15 USC6509 of the third-party reporting and I have not provided written consent for this third party to report anything on my report and with the negative information, has caused harm to my well-being stopping me from providing for my family or providing a way of life for my family according to the privacy act of 1974 XXXX information should not have been sold or given to this agency and this is also a HIPPA violation providing my personal medical information. XXXX and XXXX have allowed this agency to report negative information on my report and medical bills are no longer to be reported. I do not consent to any written or verbal agreement in the past and in the future.
Consumer complaint received 2020-01-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (OR)

In XX/XX/2019, we contacted PNC Bank to inquire about refinancing our home mortgage. The loan officer, XXXX XXXX, assisted us with the application. During the process we questioned Mr. XXXX regarding the need for an appraisal ( an additional {$910.00} free ), since the loan amount was less than 50 % of the value of our home and we had been advised by other lenders, that it wasnt necessary under those circumstances. 
There were errors and omissions on the first application, dated XX/XX/2019, so we contacted Mr. XXXX and asked him to make the corrections. Again, we questioned Mr. XXXX regarding the need for an appraisal informing him that the two other mortgage lenders we had contacted told us that an appraisal would not be necessary. Mr. XXXX continued to insisted that an appraisal was necessary. On XX/XX/2019, we agreed to pay the appraisal fee after Mr. XXXX proposed that PNC would refund {$500.00} when the loan was completed. 
On XX/XX/2019, we were contacted by XXXX XXXX, regarding the errors and omissions on the loan application. He assured us that the errors would be corrected and that the omission of my wifes federal pension ( {$2200.00} ) would be included. We also questioned Mr. XXXX about the PNC Bank requirement for an appraisal. 
After speaking with Mr. XXXX, some corrections to the application were later made, while others were not. The most important omission, the federal pension income was added, but the problem of transposing my wifes and my phone numbers was not. This meant that each time we tried to use XXXX we had to exchange phones. Another error, the over estimated that value of our home, was not changed even after we made the request to do so.