davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (FL)

I currently have two credit cards with CHASE, of which I am trying to pay off the balance, unfortunately, I lost my employment and income for a few months, and subsequently had to use my available credit. I have made my minimum monthly payments, however, the interest rate fees are extremely high. On one card Chase/XXXX, the monthly interest fees are no less than {$20.00} ( last statement was {$22.00} ). The second card Chase/Freedom, the monthly interest rate is also no less than {$20.00} ( on my last check, {$26.00}. I have attempted to find out if there are any other options than the current one they offer for Covid 19 Financial Relief, however, it does not mak any sense at all, when payments can be differed, but interest rates continue to get charged monthly, and they still report to the credit bureaus. How can charging interest and affecting your credit be of any assistance? -- I was able to get on a payment plan with XXXX XXXX making a minimum monthly payment and no finance charges, in which it gets taken out of my bank account, and I never thought that would be possible with them. 

Below are the terms for which CHASE are willing to offer their " financial relief ' : This COVID-19 payment assistance program may help you delay the monthly payment on your account. 

**By enrolling my account ( s ) in this payment assistance program, I affirm that I'm experiencing a financial hardship related to COVID-19. 
Keep making your payments if you can. We'll continue to charge interest according to the terms of your account, where applicable. Your payment history, including payments deferred under this program, may impact your eligibility for future credit. 

**For credit cards and home equity lines of credit, we'll consider your payment history, including payments deferred under this program, and may cancel or restrict available credit lines consistent with your Cardmember or HELOC Agreement. For example, we may reduce your credit lines. We'll show accounts that are eligible for this program or other forms of assistance. 

**Please note : You must read the program terms and conditions for each account. They're different for each account type. 

HOW IS THIS HELPING THEIR CUSTOMERS IN A PANDEMIC?, they are still making money off their customers/clients, even in the midst of a Pandemic, when a lot of creditors and companies are willing to work with their clients and not lose their business? That is taking advantage of their clients that are trying to save their credit and keep their account status in Good/Fair standing. In my particular case, I'm not looking for a " deferred '' payment, I am looking to make my monthly minimum, in order to try to pay off my card/account. Why are some financial institutions or banks not willing to forego the interest rates for the time being, in this case CHASE? I do not think it is an unreasonable request, given a lot of customers are currently unable to make any payments on their accounts.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP (NY)

Elan Financial Services, XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX, offered me a settlement on my credit card. I was to pay {$1200.00} on XX/XX/XXXX, {$1200.00} on XX/XX/XXXX, and {$1200.00} on XX/XX/XXXX. The agent said when I make the final payment, I would receive a letter saying I satisfied my obligation, and the account would be reported to the credit bureaus as " satisfactory, paid as agreed. " But a credit monitoring agency informed me that Elan reported the account to the credit bureaus as delinquent. When I contact Elan, my call is always transferred to collections, and rude agents refuse to provide any information. In addition, Elan has not sent a letter saying XXXX fulfilled my obligation.
Consumer complaint received 2022-09-16
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: PORTFOLIO RECOVERY ASSOCIATES INC (MT)

I just learned a XXXX credit account was established in my name and using my personal information through XXXX Bank. The balance being reported on my credit report is {$4100.00}. I have never applied for or held a XXXX credit card. 

On XX/XX/2022, I contacted Portfolio Recovery Associates and spoke with XXXX XXXX XXXX. I advised her of the situation over the phone. The Case Number is XXXX. 

In addition, I sent an email to XXXX advising that my identity had been stolen for the purpose of obtaining the XXXX credit card and requesting that they request the credit agencies remove this alleged debt from my credit report. 

On XX/XX/2022, I also contacted the card issuer, XXXX Bank. I was unable to speak with a representative and will be following up with the bank as soon as possible.
Consumer complaint received 2021-10-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-05-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (IL)

Hey so I tried to open a business account onXX/XX/XXXXat a branch in New York. They said that they cant open my account because of a prior situation in 2014. Chase had closed my account in 2014 and I was never sent any documentation as to why. So much was going on at that time that I just used another account I had instead and didnt really investigate further. Fast forward to now, I hold a XXXX XXXX, own several businesses, own property, no criminal record, and I pay my taxes. I am what you consider a model citizen yet I am being denied banking opportunities. Im also XXXX American. I would like this matter investigated because there is no reason I should be denied opening up an account with anyone in the world. 

Name : XXXX XXXX ssn : XXXX Thank you!
Consumer complaint received 2022-09-16
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: SYNCHRONY FINANCIAL (MT)

I just learned a Paypal credit account was established in my name and using my personal information through Synchrony Bank. The balance being reported on my credit report is {$4100.00}. I have never applied for or held a Paypal credit card. 

On XX/XX/2022, I contacted XXXX XXXX XXXX and spoke with XXXX XXXX XXXX. I advised her of the situation over the phone. The Case Number is XXXX. 

In addition, I sent an email to XXXX advising that my identity had been stolen for the purpose of obtaining the Paypal credit card and requesting that they request the credit agencies remove this alleged debt from my credit report. 

On XX/XX/2022, I also contacted the card issuer, Synchrony Bank. I was unable to speak with a representative and will be following up with the bank as soon as possible.
Consumer complaint received 2020-12-03
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: Santander Consumer USA Holdings Inc. (WA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, XXXX  XXXX XXXX add a hard inquiries on my credit reports per XXXX  and XXXX. On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2020, SANTANDER CONSUMER USA add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2016-08-06
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

I would like Midland Funding LLC to provide contract with my authentic signature that begun this alleged debt. I previous requested that they provide contract with my authentic signature, but I never received a response from them. Midland Funding LLC are in violation of FDCPA
Consumer complaint received 2022-09-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (MA)

I have a loan serviced by Aidvantage in the amount of ( balance ) {$52000.00}, Account # XXXX. 

About two months ago, I sent in the required forms and paperwork for discharge because the Department of Veterans Affairs deemed me 100 % XXXX ( Permanent and Total ). Today, I received correspondence that I had to provide evidence of a name change because the name XXXX and Aidvantage has on file do not match. The document states that I need to provide evidence in the form of certain listed acceptable documents for a First Name Change, or other certain listed documents for a last name change. Because the document did not specify the discrepancy, I called Aidvantage and spoke to a Rep who could only note that XXXX had XXXX XXXX XXXX XXXX Aidvantage 's listed name as XXXX XXXX. XXXX is not a first or last name, it is a suffix. 

I loaded the documents into the Aidvantage system, but fear this is a game they are playing to make student loan discharge just that much more difficult. They have accepted over {$50000.00} in loan payments from me with this so-called discrepancy, but now that I've put in the proper paperwork for discharge it's suddenly a problem and they don't know who I am? 

I'm asking that they look deeper into this, let me know what the first or last name discrepancy is, and expedite my discharge. The Adivantage rep saw no discrepancy with the first or last name as seen in their records.
Consumer complaint received 2023-02-04
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (OR)

Fraudulent Loan created on XX/XX/2022. 
Loan Number XXXX Borrower Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX OR XXXX Notified : XXXX XXXX XXXX XXXX XXXX my lender of Fraud Today Saturday XX/XX/2033, when I received their inquiries!
Consumer complaint received 2021-05-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Upgrade, Inc. (CA)

I have a personal loan with Upgrade and can manage that but they have another product called Upgrade Card, which is a line of credit and not a credit card. The payment changes monthly and only increases so is like XXXX and has become egregious and unmanageable with interest at 25.99 %. I called to see if there is a more manageable payment but they could not help me, so I will be paying a payment of {$220.00} for 37 months ( the monthly payment changes daily as I looked earlier this week and payment for XX/XX/XXXX was {$210.00}. This is a very dangerous " card '' as the payments are variable - I was not aware at the time of applying how bad this card is. I have been helping my son and family during COVID-19 and took loans to do this, along with doing all I can. I've asked Upgrade for a lower interest rate and reasonable monthly payment and was told they don't do this. And their COVID-19 " help '' is of no real help and I don't want this. I believe the Upgrade Card is a bad vehicle with very high interest rates. I'm not eligible for any loans at this point and I have cut up the card will pay the debt down with Upgrade. They are like many other on-line loan service companies ( like XXXX, etc. ) but they do not care if one makes payments on-time.
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am reaching out to you so that you will assist me in getting identity theft items and incorrect status items and unknown items removed from my credit file. the following items does not belong to me : XXXX XXXX  - XXXX XXXX XXXX  - {$560.00} Unknown - Acct # XXXX ; Bal {$41.00} Unknown - Acct # XXXX ; Bal : {$41.00} XXXX - {$1300.00} XXXX  - {$390.00} The following items are reporting an inaccurate late status for the following accounts : XXXX  - Bal : XXXX ; incorrect late status of 30 days late in XXXX and XXXX XXXX  XXXX - Bal : {$19000.00} ; incorrect late status of 30 days late in XX/XX/XXXX XXXX XXXX XXXX - Bal : {$200000.00} ; incorrect late status of 30,60, 90, 120 days late in XXXX and XXXX The following Public Record is not mine : Chapter XXXX - Dismissed XXXX
Consumer complaint received 2020-12-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

The charge was in XX/XX/2020, in the amount of {$500.00}. The charge was from XXXX  XXXX. I have no idea who XXXX  XXXX  is. I do not recall ever, giving anyone permission to withdraw that money from my account. I spoke with my bank, Bank of America, and they said the charge was from an electronic check, which is odd because I never pay for anything using the electronic checking method. 
PLEASE HELP!
Consumer complaint received 2020-12-03
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: Fairway Independent Mortgage Corporation (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX/FAIRWAY INDEPENDEN add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX/FAIRWAY INDEPENDEN add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-09-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (SC)

To Whom It May Concern : Ive heard about AFFIRM and tried to do business with them but EVERYTIME Ive applied IVE ALWAYS BEEN DENIED and I can never get a solid explanation even though its been the first time Ive appliedtried NUMEROUS times and been DENIED numerous timesI seriously think theres a problem there because Ive used XXXX, XXXX, and XXXX  ( formerly XXXX ) even XXXX worked with me. An investigation needs to be carried out and I need a response to this so if theres an issue I can proceed with legal options. Thank you for your time
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

There was an address reported on my credit report that I was not familiar with XXXX and XXXX XXXX removed the address but Experian refused to remove the address. I was told that if my creditors did not report the address that Experian would stop reporting the address and this information was not correct.
Consumer complaint received 2017-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been disputing for a while with the credit bureaus and XXXX XXXX XXXX and they will not remove an old account from XXXX XXXX. This account went delinquent in XXXX of XXXX but it is still on my credit report. This is over 6 years and should not be reporting per Georgia Statute of Limitations on Debt Collection. In Georgia, written contracts have a statute of limitations period of 6 years from the time in which the debt becomes due and payable and the period runs from the date of last payment ( XXXX XXXX ). My XXXX and my Transunion credit files are still showing this account despite the multiple disputes.
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Credit report shows an invalid address, called Experian to remove and update with correct address, they state because a credit company has it verified they can not remove the address, however the address is no such address. This is how it is listed on my credit profile in my personal information section. They refuse to fix this address and tell me to contact the credit company to have them fix it. 

XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NV)

My name is XXXX XXXX XXXX am a victim of identity theft the information listed in this email which appears on my credit report does not relate to any account that I have made or open it is the result of identity theft Please block this information from my credit report pursuant to section 605B of the fair credit reporting act and send the required notification to all furnishers of this information enclosing this email or screenshots of the fraudulent accounts a copy of my credit report I received the fraudulent items are as I said in the screenshots attached to this email a copy of my identity theft report and proof of my identity a copy of section 605B of the fair credit reporting act which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days Also attached to this email you will find a copy of my complaint with the cattle retreat commission you will find another complaint to Fbi IC3 crimes unit you would also find an affidavit from the IRS for identity theft you would also find a report from XXXX XXXX XXXX Police Department and you will also find a copy of my lease and you would also find a copy of I am doctors restrictions As you can see from the attachment in this email my Social Security number trays that I searched on XX/XX/XXXX it appears as someone is using my Social Security number located at XXXX XXXX XXXX, XXXX, CA XXXX and the aliens that they are using is XXXX XXXX Furthermore the information that XXXX  has put on my credit report was removed in XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX it is unfortunate that XXXX  has chosen to violate my rights and discriminate against me by expressing depraved deceptive and misleading business practices My hope is that we can resolve this issue quickly this XXXX of my identity has been going on for far too long years and if XXXX  is still not going to follow the laws and rules of the current consumer protection act then I will file my complaint with the United States justice department for discrimination with people XXXX as well as well consumer protection agency Im not sure why XXXX has chosen to re-open claims that or fraudulent accounts they were open on my XXXX XXXX report after I had already disputed it and it was removed XXXX re-opened it for whatever reason it was wrong and it was bad business practice furthermore at the time in XXXX XXXX I was XXXX and in and out of hospitals four weeks and months at a time I have also the hold a complaint with Nevada state attorney generals office in XX/XX/XXXX and I also have a pending complaint of assault with the XXXX XXXX XXXX Police Department dated XX/XX/XXXX as well
Consumer complaint received 2022-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

These accounts are inaccurate and unverifiable. I don't know who they are or why they have my information. I am in North Carolina and the statute of limitations here is 3 years.