davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-12
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: JPMORGAN CHASE & CO. (CA)

On or about XX/XX/2024, I had an appointment with Chase Bank at XXXX branch in XXXX, NY. I went to the appointment with an associate who accompanied me to handle the same small business request. My appointment was regarding putting in an application for a no doc small business loan as Chase is listed on the SBA website that assists small business with obtaining funding. However, when we went to the branch, we met with XXXX XXXX who stated that he does not work with business customers. He then brought over one of his associates who stated that he was the " Business Financial Specialist ''. He asked what we were looking to do and we explained that we wanted to apply for the no doc loan for our respective businesses. He then went on to explain that it was a " very long process '' and we needed a long list of documents. The tone of the explanation was very discouraging so much so that my associate said, " Are you trying to scare us off from applying? '' He then said no but that he wanted to let us know how long the process was. We then stated that we didn't care how long the process was and just wanted to submit the application and let the underwriters make the decision on what else may or may not be needed. He then stated that he has been in the business for a number of years and he knew what the underwriters wanted. We then said let him know that his tenor and demeanor was very discouraging and that we just wanted the paperwork to proceed to which he replied that he had never actually done this process himself but he would call his branch manager to see what was needed. We waited 30 minutes and he still had not returned. XXXX did his best to make small talk during the wait. We decided to leave because it was blatantly apparent that we were being discriminated against. We watched and heard two other customers who were XXXX XXXX come in, be serviced by other Chase employees and be offered other business banking products which they completed online. There was no lengthy mention of " long processes '' or " a lot of paperwork '' required BEFORE they applied. 
As we departed the bank, the man who introduced himself as " Business Financial Specialist '' was in the corridor on his cell phone. He turned around and asked if we were leaving and we said yes. He then said that he was on the phone with his Branch Manager and was getting all of the information from him. He then asked if we could give him 5 more minutes, but by this point, we were already waiting for close to an hour. We then said ok, we only have 5 literal minutes and asked if he had any paperwork for us. He then said he would get everything together and give us a call the next day. To date, we have not heard anything back from him or anyone else at Chase Bank. This experience was a blatant violation of EEOC.
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (NV)

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 : {$200.00} Amazon Gift card I purchase with Reward points XXXX XX/XX/XXXX Order Number : XXXX. 
The last time I talked with you ( XXXX XXXX XX/XX/XXXX ) I was assured that my Gift Card would be canceled and my points restored to my account. In fact the agent guaranteed that would be the case but to wait at least 10 days for the result. 
That was simply a lie intended to just make me go away and stop bothering you. Your recent letter ( XX/XX/XXXX ) clearly states that a gift card can not be canceled, refunded or returned, proving the lie. However, I want to keep and use the gift card, but you have not provided a way for me to access it, since XX/XX/XXXX. 
The Gift card is digital and I was supposed to receive an email with a link to get access to the gift card. I never received the email and it is now clear that you have a problem with your email. Another recent attempt at your email also failed. I still have a {$200.00} Amazon Gift card that I can not access. I am very disturbed at the possibility that Card Member Service is intending to use my gift card for their own purchases.

Since your emails do not work, I have a solution to our problem. Simply print a copy of the alleged email and send it to me by USPS hard mail. Be sure the link is visible so I can connect to whatever is next to retrieve my digital gift card. I received another letter ( XX/XX/XXXX ) in which you claim you can do nothing to help me. So, I expect you to comply with my request for a paper copy of the email that continues to fail. If you refuse to comply with this request I will be forced to file a complaint with CFPB and/or FTC. 

Sincerely, XXXX XXXX NOTE we contacted customer service several times and they " claim '' they sent an email with link to access the gift card but no such email was ever received. They have sent 4 separate letters claiming the email was sent but it was never received in either of my two email accounts.
Consumer complaint received 2024-02-20
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (CA)

I've been shopping for a loan - personal loan, debt consolidation, major purchase loan. Several companies or lenders I applied for but most of those applications were declined because of my poor credit score. This particular lender Lendumo offered me this loan but it has high fees and expensive terms. I did not approve this loan. I know I did not signed for this loan. But the company already had my bank information through the application process. Without my knowledge the company sent {$1400.00} check wired transfered to my bank on XXXX XXXX then starting on XX/XX/2023, they started drafting or charging my bank account {$610.00}. When I called the company what is that for, they said that's the payback of the loan in installments. Then XX/XX/2023, they drafted/charged my bank account another {$610.00}. Then I decided to pay off this loan. The company ref told me that the payoff amount is {$2300.00}. Huh, I was shocked. Why the payoff amount is that high for a {$1400.00} loan they lend me. It's because of the fees they are charging me. The installment payment is $ XXXX/month for 12 months. That is ridiculous. I placed a stop payment with my bank to stop drafting my account {$610.00} every month. I argued with the company that I did not signed up for this loan. They said I e-signed the documents but they can't show any proof that I reviewed and approved this loan with my e-signature. They referred my account to a collection agency.
Consumer complaint received 2020-10-09
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. (FL)

Florida Department of Revenue is reporting two closed accounts on my XXXX  credit report, one closed account on my Equifax credit report and two closed accounts on my XXXX  credit file. These accounts are inaccurate, reporting inaccurate balances and inaccurate case statuses. I have made contact with Florida Department of Revenue on many occasions to request that this information is corrected. I have also disputed this information through the credit reporting agencies with no resolution only a return of information verified, but with no documentation provided to confirm the accuracy of the information provided.
Consumer complaint received 2024-01-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: DISCOVER BANK (MO)

On XX/XX/2024 at XXXX pm XXXX, I called Discover and I inquired about a Student Loan Debt Consolidation loan and was asked if I wanted to apply over the phone. They ran my credit and I was denied due to " borrower income insufficient in relation to the debt. '' After they ran my credit, they informed me that I was unable to apply with a cosigner, even though my current loans have a cosigner. Prior to running my credit, I was not informed what " passing a credit check '' meant. 

Following this call, I reached out to a friend of the family who is knowledgeable in the financial industry. I asked why I could not apply for a Debt Consolidation Loan with a cosigner. 

On XX/XX/2024 at XXXX XXXX XXXXXXXX, we called Discover and XXXX at Discover transferred us to XXXX in the Consolidation Department in XXXX. He did not verify any of my personal information prior to disclosing any information on the phone call, nor did he ask if it was okay to disclose any confidential/nonpublic personal information with the family friend who was on the line. 

We asked for clarification as to why I was unable to apply with a cosigner. 
We were informed that I needed to pass a credit check. We inquired what " passing a credit check '' meant. At that time, we were told that I had to qualify independently. This information was not disclosed to me on my first call prior to running my credit. On the second phone call, we were told on www.Discover.com/student-loans/consolidation.html under that section, there is a common consolidation loan question- Am I eligible for a Discover XXXXrivate Consolidation Loan? It says " Pass a credit check. '' Nowhere on the website does it say I had to pass it independently. 

After further questioning with XXXX, he stated that Discover 's policy is if you can not qualify independently, you can not qualify with a cosigner. 

I feel I have been discriminated against. Had I been able to qualify with a cosigner, I could have potentially had one loan at a fixed rate of 5.99 % XXXX % according to the website. Due to not qualifying on my own and not being allowed to qualify with a cosigner, I have five loans with variable rates between 6.340 % XXXX % which results in a higher monthly payment and therefore, more interest paid over the life of the loan. 

I feel it is discriminatory to allow those who qualify on their own to get a lower interest rate with a cosigner while not allowing cosigners for those who do not qualify on their own. This puts undue burden on borrowers who need a cosigner by keeping them in higher interest rate loans. I pay more on my loans because I do not qualify on my own but would possibly qualify with a cosigner, which would allow me to pay less.
Consumer complaint received 2022-08-05
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)

It has been a battle going through this and I am submitting this commplaint to delete the following fraudulent information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Under the provisions of the FCRA section 605b, I need the following items removed as soon as possible ; XXXX XXXX XXXX XXXX CT XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX THE XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Date opened XX/XX/2018 -late
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc (CO)

Checkr has provided information on several reports that violates reportable information laws in Colorado, where I live. Informed several times of their mistake, the support refuses to correct my reports to include only legally reportable information. Currently I have an outstanding bgc that is over 30 days old and checkr continues to lie to me about a state being responsible when they have successfully started and completed XXXX other XXXX  since this one was initiated. They provide me false answers each time I inquire. This company needs punitive fines.
Consumer complaint received 2024-02-18
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reel Time Capital LLC (TX)

There was an old debt on my credit report ( amount {$2700.00} ) managed by " Reel Time Capital LLC '' and now shows as " XXXX XXXX. '' Internet research shows that " XXXX ... '' likely purchased " Reel Time ... '' but that's not the problem. The account shows an " Opening Date '' of XX/XX/2023 and this debt is far older than that. Therefore, this account was RE-AGED and is in violation of FCRA Section 623 ( 5 ) ( A ). Disputes have been sent to XXXX and XXXX.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

After reviewing my credit report I found that there were numerous significant errors. This has been badly affecting my mental health and in turn is affecting my everyday life. This is a gross misrepresentation of my credit and it is having an incredibly significant impact on me monetarily, on top of these errors there is the misrepresentation of my identity which is causing verification issues and fear of fraud.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX  This company is reporting fraudulent inaccurate information on my credit report. 

This company is not authorized to conduct business in my state first of all. 

XXXX XXXX XXXX Also I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me. They have not provided this and have not done a proper investigation.
Consumer complaint received 2024-02-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Upstart Holdings, Inc. (NC)

On Saturday, XX/XX/XXXX, I sent a letter by certified mail ( USPS tracking XXXX ) to Upstark Network Inc in an effort to validate a negative item, pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). The negative item is a charge-off in the amount of {$2500.00} that was later purchased by a collection agency. The letter that was sent to this provided specific requests for debt validation. Upstart received the letter on XX/XX/XXXX yet I did not get a response from Upstart Network Inc. I sent a 2nd letter on XX/XX/XXXX and Upstart Network Inc received the letter on XX/XX/XXXX ( USPS tracking # XXXX ). I recently received a letter from Upstart dated XX/XX/XXXX. The letter stated that Upstart did not see a need to investigate my request because I did not provide the necessary information needed to investigate my request. This is a blatant refusal to investigate and a direct violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2016-07-03
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: ESCALLATE, LLC (GA)

XXXX of New York charged me for a service that was utterly fraudulent. They claimed to have to have done a XXXX, when in fact they did virtually nothing. The description of the procedure was absolutely false. Clearly they were trying to justify a large charge to my insurance company.
Consumer complaint received 2015-11-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (CA)

I did not owe this amount, the Convergent agency lied on the report to say the account was opened on XXXX XXXX 2015. There is no balance on this account and I have requested this entry to be removed from my credit report with them several times including call on XXXX XXXX and then again on XXXX XXXX.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I sent a letter on XX/XX/XXXX to removethe listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX PL XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX TER XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$7400.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$2800.00} XXXX  XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX Balance Owed : {$370.00} RESIDENT VERIFY XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2015-06-03
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: ZWICKER & ASSOCIATES (AZ)

I made contact with Zwicker and Associates on XXXX/XXXX/15 to discuss the XXXX XXXX bill they are handling to see what our options were. We were served with a summons in XX/XX/XXXX and sent in our answer and instead of going through the courts we wanted to see if we can rectify the matter outside the courts. We talked to a collector I believe his name was XXXX and when I proceeded to tell him our income situation ( primary holder got laid off in XX/XX/XXXX at the time the payments stopped and hes now on unemployment, spouse works part time and expressed we get help from family to keep a roof over our head ) we offered we can do {$50.00} a month till our situation gets better. He said he can do the balance in XXXX parts over XXXX months, I advised we are not able to raise that kind of money due to our current situation. When we told him that he proceeded to tell us that they will collect this with a involuntary payment and when I asked him what that meant he said " I dont know how your state works '' he kept referencing " involuntary payment '' and I kept asking him what that meant because we offered payments and they refused to set up any arrangement on the payments we offered, so what is the involuntary payment mean? He said " I dont know how that works in your state again ''. We asked to speak to someone who knew what that meant and a XXXX XXXX a manager, we asked him what they meant by " involuntary payments '' he said the courts will determine what that is..and said he didnt know the laws in our state. They currently do not have a judgment against us and we have not been to court so referencing any legal action, involuntary payments and not accepting what we offered this is illegal. Thank you for your time in this matter.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

The following accounts were used unauthorized. It affects my credit file and lifestyle. I need help to remove the following accounts from my credit report. 
XXXX. XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX The Inquiry was reported on XX/XX/XXXXXXXX XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX XXXX The Inquiry was reported on XXXX, XXXX XXXX. XXXX XXXX XXXX The Inquiry was reported on XXXX, XXXX XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX XXXX XXXX The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX XXXX  The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX XXXX  The Inquiry was reported on XX/XX/XXXX XXXX. EQUIFAX MORTAGE SER The Inquiry was reported on XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on 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
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I was looking into my credit report the other day and what I found made me very anxious then I was overwhelmed with helplessness. During my investigation I found evidence that the agencies did not their job of verifying the accuracy of their reportings and this is causing me a lot of stress and XXXX, because what they are reporting is entirely inaccurate.
Consumer complaint received 2018-05-30
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Firstsource Business Process Services, LLC (TX)

I been having alot of problems with FIRST SOURCE but i want to report that they are proving personal information about me to others, they keep calling my work and have actually told 3 of my manager of my debt and now people know im in collections with them bc they provided that information to 3 of my managers. We also not suppose to received personal calls at work.