davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NY)

I was refused my forbearance request for an extension of forbearance due to Covid related hardship currently in place until XX/XX/2021. ( See attached ) On or around XX/XX/2021, I was contacted by Chase that there are payments due on mortgage loan as I and my family were severely affected by coronavirus with emergency hospitalisations. On or around XX/XX/2021, I contacted all creditors/debt collectors seeking their payments including Chase and requested a Covid related forbearance. Chase granted my request on XX/XX/2021. 

I have requested an extension with my last request made and approved on XX/XX/2021 for the forbearance to be extended to XX/XX/2021. 

Despite of my numerous requests to extend the forbearance due to my Covid related hardship, I was refused further extensions and continuously transferred to incompetent agents abroad ( Presumably XXXX ) who repeatedly told me that they can not assist me. 

I am entitled up to 18 months of Covid hardship forbearance in accordance with the XXXX regulations. Yet, all my requests to extend the forbearance and discuss available options were purposefully ignored by Chase. 

I am respectfully seeking your intervention in obtaining additional 3 months Covid related forbearance to be provided by Chase in addition to your kind review of Chase current policies so that they would not ignore valid Covid related requests from XXXX XXXX like myself and would timely assist with any and all ( including forbearance ) Covid related hardships.
Consumer complaint received 2022-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (TN)

I had a spend {$250.00} and get {$25.00} by XX/XX/XXXX and spend {$200.00} by XX/XX/XXXX and get {$10.00}. I have not received these bonuses.
Consumer complaint received 2022-10-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (CA)

I have a monthly recurring transfer set up. I received an email notification on XX/XX/22 at XXXX XXXX XXXX XXXXndicating my scheduled transfer would take place in three business days and that the funds would be withdrawn on XX/XX/22 and deposited on XX/XX/22. On XX/XX/22 I received an email notification my transfer had been submitted ( in two business days not three ). I logged into my account on XX/XX/22 and attempted to cancel the transaction, but a different transfer was cancelled by mistake. When I contacted the bank to have them stop the transfer I was told it goes into pending status the business day prior to funds being withdrawn and there was nothing they could do to cancel or modify the transfer. I also requested they reverse the transfer once it was processed and I was told again, nothing could be done. I intended to review and modify the transfer over the weekend and submit any changes ahead of the XX/XX/22 transaction start, but because it was submitted early I was not afforded the opportunity and now I have to correct it with additional transfers and effort on my own.
Consumer complaint received 2021-01-12
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (MD)

PNC Bank is charging us {$3000.00} to open an escrow account to put the {$100000.00} we borrowed from PNC through the PPP loan program. The reason for the escrow account, were in the process of selling XXXX XXXX XXXX. On the SBA website it states that lending institutions are not allowed to charge fees associated with PPP loans, but Corporate PNC executives were emphatic that they will not establish an account without payment. I feel that the fee is illegal according to the SBA rules, and predatory. Im XXXX and Ive never been charged to open an account with any lending institution before. Deposit money to open an account, yes, but never a {$3000.00} fee to basically move money from one account to another! If I dont open the escrow account and sell XXXX XXXX, I could be in default of the loan. I feel PNC has me over a barrel and I have no good option. There should be no fee per the SBA. When I called the SBA, they said they have no control over what the banks do.
Consumer complaint received 2021-12-20
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)

Unverified accounts on my credit report The credit agencies Never verified or complied with the rules of the FCRA ( XXXX XXXX  XXXX # XXXX ) AND ( XXXX XXXX  XXXX ) it's been way pass 30 days Please have them delete the unverified accounts. 
Thank you see enclosed proof
Consumer complaint received 2021-10-12
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (OK)

On XX/XX/21, I called Transworld Systems to see if I could settle a debt with them. The debt outstanding is {$510.00}, and I told them I wanted to settle for 50 % or less, seeing as though the debt is 5 years old now. XXXX was the woman I spoke to, and she told me that the debt had to be paid in full. I tried again to get them to settle for less. The agent then told me that if I didnt pay the account in full, that it would stay on my credit report for the rest of my life. I confirmed this information with her to make sure I heard her correctly, but I know this isnt the case. There is a statute of limitations to credit inquiries that lasts 7 years. So she flat out lied to my face about it and I find that revolting. I wonder how many people she has scared into paying more than they actually have to.
Consumer complaint received 2022-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NY)

Someone stole a $ XXXX check from the mail that was meant to go to the IRS for estimated tax payment. This person washed all of the writing on the check and replaced it with a new recipient, memo, forged the signature and deposited the forged check into their bank account. I filed a police report and sent a ton of evidence to the bank showing the fraud but the bank is saying that since it's been more than 30 days they can not do anything about it.
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The credit bureaus have ceased to uphold their legal obligations and have ignored my written requests for the disputed accounts in my file to be corrected. I already asked the Credit Bureaus to reexamine the disputed accounts from my credit record and temporarily update these accounts from my report throughout the investigation time in a letter that I sent on XX/XX/2022. The Credit Bureaus have not responded to my request as of this date. The Credit Bureaus are required by law to conduct their inquiry within 30 days of receiving my letter and to provide a response within 5 days of the conclusion of their investigation. The requirements of the law have not been upheld by the Credit Reporting Agencies. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accounts as unverified information without offering any justification within the legally required time range. The following accounts must be immediately corrected : XXXX : XXXX XXXX {$230.00} XXXX : XXXX XXXXXXXX XXXX {$280.00} TransUnion : XXXX XXXX {$230.00}
Consumer complaint received 2022-10-15
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. (SC)

In accordance with fair credit reporting XXXX XXXX XXXX account # XXXX, has violated my rights 15 u.s.c 1681 section 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 2021-12-20
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: JPMORGAN CHASE & CO. (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on JPMCB CARD. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( JPMCB CARD XXXX XXXX
Consumer complaint received 2021-12-20
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: Affirm Holdings, Inc (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AFFIRM INC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( AFFIRM INC XXXX )
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, Please investigate these matters and remove the disputed items as soon as possible. 


Inquiries XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 2021
Consumer complaint received 2021-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (CA)

Loan was opened under my name without authorization. I already contacted the company twice and had fill out ( unauthorized activity ) twice. Company isn't doing any investigation other than communication with Merchant ( which obviously ) won't lose money/merchandise and will provide valid information that for them ( it's valid ) but for me ( the victim ) is inaccurate/unauthorized/not valid. 

Latest communication to company attached. 

" I received an email that a loan was approved but I didn't read it right away. I read it after I found out an unauthorized loan was opened under my name. Changed password and contacted Customer Service while at the same time a notification that a package was on its way was received, but never reached my doorstep. I was at work when the ( address used ) was not the correct address ( missing information ) and I have proof of that or you can simply read the tracking history. Someone around 5 PM I believe picked up a package under my name when I was still at work, and I have proof of that as well. Your job should be to pull the video from the store or drug store the package was picked up from and analyze it thoroughly, NOT to deny my claim because you have too many claims for the day. Do your job and this is the second time I had to filled this report out for y'all. Also, I'm filling a XXXX  report on the wrongfully negative trademark sent to credit bureaus and another XXXX thru CFPB and others ''.
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX , FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX Potentially negative Date XXXX Balance {$800.00} StatusAccount charged off. {$800.00} written off. {$800.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date XXXX Balance {$2400.00} StatusAccount charged off. {$2400.00} written off. {$2400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date openedXX/XX/XXXX Balance {$2500.00} StatusAccount charged off. {$2500.00} written off. {$2500.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX MORTGAGE Potentially negative Date openedXX/XX/XXXX Balance {$230000.00} StatusOpen. 
XXXX XXXX XXXX Potentially negative Date openedXX/XX/XXXX Balance {$0.00} StatusClosed. {$20000.00} written off. 
XXXX XXXX XXXX Potentially negative Date openedXX/XX/XXXX Balance {$1700.00} StatusOpen. 
XXXX XXXX XXXX Potentially negative Date openedXX/XX/XXXX Balance {$960.00} StatusCollection account. {$960.00} past due as of XX/XX/XXXX. 

The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX , FL XXXX
Consumer complaint received 2022-08-24
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. (NY)

In accordance with the Fair Credit Reporting act Department of Education Account # XXXXXXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX  Bank Account # XXXX, XXXX XXXXXXXX XXXX  Card Account # XXXX and # XXXX, XXXX Bank Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-24
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: Experian Information Solutions Inc. (TN)

in accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-12-19
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (MI)

A company by the name of Hunter Warfield continues has a collection entry on my credit report that does not belong to me. My report shows this collection is for an apartment complex, XXXX XXXX, from debt owed in 2018. It is not my debt.
Consumer complaint received 2021-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (TX)

I applied for a CIticard on XXXX XXXX. They could not verify some information so they did not approved me but called me from two different numbers with instructions to call them back. The first number they gave me was XXXX and they gave me access code end in XXXX. When I called back the automated system could not connect me to anyone despite waiting a long time and then told me no one was available and disconnected me. They called another time from a different number and also left a message for me to call XXXX with my application ID and a security code. When I tried to call them the recorded message said they could not approve me, which was why I was calling, told me they were sending a letter and then disconnected me. At no time on either call did I get the chance to speak with a human to clear up the issue. This is horrible customer service and may be a great reason not to use Citicard for anything in the future. However they have now put an inquiry on my credit which will reduce my score and the reason they couldn't approve me is because they are confused about something. Clearly confusion reigns supreme at Citicard! This was likely due to a recent move so they wanted to confirm my address but I can't do that unless I speak to someone! This company is misleading the public and has terrible customer service.
Consumer complaint received 2022-10-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Carter-Young, Inc. (GA)

Carter-Young Inc sent a debt collection in XXXX of 2021 in the amount of {$390.00}. I've never heard from this company and they never reached out me about such a debt collection matter. The worse part about the situation is they reported to the credit agency without my knowledge and it was just as I was about to close escrow on my new build house. This credit reporting severely affected my credit score and costed me thousands with a higher interest rate from mortgage company. I've still not heard from them to this day.
Consumer complaint received 2021-12-19
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. (PA)

To whom it may concern, Under 15 U.S Code 1618B - Permissible purpose of consumer reports ( 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 relate. 

I, XXXX XXXX XXXX XXXX never gave XXXX any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX XX/XX/XXXX, Informative XX/XX/XXXX, Informative XX/XX/XXXX, Informative XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is my XXXX letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following accounts need to be removed as they are fraudulent. 

XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$40000.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter
Consumer complaint received 2022-08-24
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)

in accordance with the fair credit reporting act ... the account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681, XXXX XXXX XXXX  XXXX section 602 A, right to privacy 15 USC 1681 604 A section 2, a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-12-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (NY)

I had called XXXX XXXX to setup a different payment plan /forebrance. I was under the impression the plan was approved and ready to go after we load connection on the phone. A month later they put on my credit report that I was late on payments. I called them up and they said when we lost connection it didnt go through. I asked them nicely to re set everything up and take the negative remarks off my credit report. They set up the new payments but refused to take off the negative comments on my credit. We are currently going through a pandemic and hurting peoples credit especially when it was an honest mistake, shouldnt be the way to do business. I am asking for the negative comments/ reporting to be taken off my credit since it was an honest mistake and given the circumstances.