davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NY)

On approximately Thursday Saturday XXXX XXXX, I tried to access my JP Chase mobile app with my username and password. Once I put in my user name and password, a screen popped with a screen message called Disclosures and Agreements. Apparently chase bank will not allow you to access your accounts on the app on my phone and desk top unless I sign the Disclosure and Agreements. I did not discover this until that Thursday morning  when I was running off to work and I needed to get gas. So the choice was to check off that I was going to sign this agreement without reading it just so i can see what's in my account to pay for gas. And the agreement is in extra fine print and full of legal terminology that only an attorney can truly understand. So I went back home got cash from my wife returned to the gas station, got gas and got to work late. My question is why doesn't chase give you the option to bypass this screen so you can see your money and be able to go back to this screen and read these Disclosures and Agreement when you are not under pressure to sign which amounts to signing something you may not fully understand or under duress. It's almost of form of coercion. So later that day I stopped at a branch to ask for some help or clarification. They explained to me that this Disclosure and Agreement is made available to new account users or those people who recently opened an account with Chase and online. I have been with Chase for over twenty years ( I actually can not wait to be done with this bank ) and I have been using the mobile app for years now. So this Disclosure and Agreement shouldn't apply to me. But somehow right now, It's  affecting me. This past Wednesday XX/XX/2020, I had to leave home and drive to a nearby branch to access and transfer money to pay my daughter 's college tuition. This is a serious inconvenience. You're at an atm dealing with money and you're conducting your banking which is very dangerous because you're dealing with money and your attention is divided between account transactions and your surrounding. Who knows who's watching you. Why do I need to sign this Disclosure and Agreement before I can access my account? Are they allowed to do this? And why don't they give users the option to bypass this agreement until they have time to settle down and properly in their convenience review and sign or opt out or not sign this Disclosure and Agreement?
Consumer complaint received 2020-08-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC (AZ)

XXXX XXXX inaccurately reported information to a Consumer Financial Protection Bureau called Early Warning ( Address : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX : ( XXXX ) XXXX ). XXXX XXXX wrongfully reported that I committed banking fraud when I have never written a bad check, nor have I ever conducted any unlawful or illegal activity with any bank. I reached out to XXXX XXXX XXXX  quality assurance department on XX/XX/20 by calling XXXX. I spoke to XXXX who aggressively attacked me. She made a very racist joke about the political organization, Black Lives Matter. She stated " well all bank accounts matter '' when I asked for a supervisor. XXXX XXXX  has a long history of racism and hostility toward their clients and hit is very well documented online. I will list a few links in this complaint : ( XXXX XXXX XXXX 
XXXX & XXXX & XXXX ) ( XXXX XXXX XXXX  ) ( XXXX XXXX XXXX )
Consumer complaint received 2020-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: DISCOVER BANK (MA)

I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumerto dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. 

If you wish to send me documentation that you will remove this account from my credit report, that is all I will require. 

Otherwise, please provide me with your documentation showing that this account does indeed belong to me. 

Please send me copies of the contract used to establish the account with my signature on it. 

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe.
Consumer complaint received 2020-08-23
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Valor Intelligent Processing, LLC (WA)

I cancelled serve and paid my bill, also I have returned the equipment they are charging me fore. when I called to cancel I was told because they could not get me service at my new address there would not be any extra chargers just my last months bill. I have called numerous times and they keep on giving me new excuse. please remove this charge of my credit report
Consumer complaint received 2020-08-24
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: EQUIFAX, INC. (IL)

I filed a dispute with Equifax for a public record on my credit report that had inaccuracies. They did their investigation and verified the information was correct. I then submitted another dispute and provided supporting documents to show the inaccuracies and with those inaccuracies that account is not mine. Equifax after verifying the information to be true has now just modified the account instead of removing it as I have asked. Equifax verified this information was correct from the court but was not and has been on my credit report since XXXX and Ive disputed this account in XXXX. I ask that Equifax remove the account and not modify it because they verified an inaccurate account at accurate twice from the court house/ XXXX and it was incorrect. I ask that they provide the account as listed before the modifications as proof that those inaccuracies I reported were in fact true.
Consumer complaint received 2020-08-23
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 — Investigation took more than 30 days
Company: Lincoln Educational Services Corporation (CT)

My Daughters private Student loan was paid off in full a year or so ago. There was a late XXXX payment possible 3 years ago. I asked all three bureaus to update my report to close my account as paid in full and satisfied. 
Well trying to better my credit and this sneaks back up on all my there reports stating I was 60 days past due. They keep reporting that monthly while my loan is now paid in full and closed. 
They need to remove that remark off my 3 credit bureaus as its looks like my parent student loan is still active as of this date and its still 60 days past due. There reporting this monthly and its hurting my credit score. They need to stop reporting my paid and closed account with a  high rank I loan paid and satisfied only. 
Please look into this and have then straighten this out as they certainly must think I am still active.
Consumer complaint received 2022-02-05
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (VA)

On XX/XX/XXXX I was notified through XXXX that changes had been made to several of my accounts. When I logged into XXXX to view the changes I discovered that three department store credit cards that I had through Comenity Bank , Lane Bryant, XXXX XXXX, and Torrid had been closed unexpectedly. Ive had these cards for 13 years, always paid on time, never late with payments, and saved enough money to pay all three cards off towards the end of XXXX. I havent been using the cards, Ive been making purchases at the stores using cash because I was working on reducing my credit card debt as Im in the process of reducing debt for another home purchase. It brought me to tears to see that my credit score dropped by XXXX points due to Comenity closing all three of my accounts. Despite me being a long time, paying as agreed customer, they chose to close my accounts without warning or notification. I called Comenity and spoke to XXXX who first advised that I should have received a warning that my account was going to close due to inactivity but when he searched the records he didnt see where any letters were sent to me. My email, address, phone number were all correct and up to date. XXXX escalated to a Manager or 2nd voice who advised him that a warning was sent to me then later came back and said that only California residents receive warnings, all other states do not. I requested reactivation but I was advised that couldnt be done, I would have to reapply. So the companys actions of closing my account already resulted in a XXXX pt reduction in my credit score and now they want me to take another hit by applying for new credit- that doesnt make sense to me. I think its unfair and deceptive to take a good customer and penalize them without notice. Had I been notified I would have used the cards to prevent deactivation since they are saying it was closed due to inactivity. The actions of this company should be investigated to ensure they are not targeting specific demographic classes and causing credit harm.
Consumer complaint received 2020-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

My credit report states that there is a Wells Cargo credit line in my name opened on, XX/XX/XXXX then reported delinquent on XX/XX/XXXX. 

As this is an account that I have paid off with certainty and with an organization that is notorious for the mistreatment of its customers, I would like to request all applicable paper work, transfers of debt, collection agency actions, and other relevant information in order to dispute and ultimately remove this off of my credit report.
Consumer complaint received 2020-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services LLC. XXXX. XXXX XXXX. XXXX, GA XXXX. 
ATTN : EQUIFAX dispute department RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently  conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that is problematic. The inquiry in question was apparently made by XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. Please investigate this inquiry at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing inaccurate depiction of my creditworthiness. Please update me with a full report on your endings within the next two weeks. I look forward to having this situation resolved as soon as possible. Thanks for your prompt attention to this mater, XXXX XXXX
Consumer complaint received 2022-09-10
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: CITIBANK, N.A. (NY)

I had Home Depot, and Best Buy cards both issued by Citibank CBNA. 
At the beginning of the Covid Pandemic, I received phone calls. 
I explained due to the pandemic I am unable to pay, and I also had a XXXX XXXX. 
While waiting for XXXX, and that I would pay in full once I received XXXX. 
They agreed, and put me on a deferred payment, all the while reporting me for non payment. 
When I received the XXXX, I paid both cards in full. 
Now that I looked at my credit score they got me with all kinds of late payments etc This destroyed my credit rating, and I would like both a letter of satisfaction from their debt collectors. 
I would also like to have that false reporting removed. 
Thank you.
Consumer complaint received 2022-10-07
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: FIFTH THIRD FINANCIAL CORPORATION (NC)

On Friday XX/XX/2022, I contacted Fifth Third Bank at XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX regarding a personal loan. Before I applied, I inquired about the qualifications for the loan with personal banker XXXX XXXX. She stated that Fifth Third uses XXXX Credit Bureau to assess scores, the minimum credit score required is XXXX, and the APR ranges from XXXX % with loan terms of XXXX months. 
On Monday XX/XX/2022, I went into the branch to apply for the loan. At the time of the application my credit score was XXXX on XXXX. The banker stated she would be in contact within 24-48 hours. She did not follow up within that timeframe, so I had to reach out to her myself on Wednesday XX/XX/XXXX. At that time, she informed me that my loan was denied because my XXXX XXXX was a XXXX, which is demonstrably false. 
On XX/XX/2022 I reached out to XXXX to obtain documentation stating that my credit score is not XXXX, nor was it at the time of the loan application. I have proof that my credit score was NOT XXXX when I came in to apply. My credit score has suffered a hard inquiry, a XXXX drop, and is currently XXXX. 
On XX/XX/2022, a representative, in the resolutions department named XXXX reached out to me requesting that I submit documentation showing my credit score from XXXX. I provided all the evidence I had via email. 
On Monday, XX/XX/2022 I contacted XXXX ( Resolutions Dept ) regarding the matter, in which she stated it may take up to three business days to hear something from underwriting. On Wednesday XX/XX/XXXX, I attempted to reach out and was unable to contact her. She later left a voicemail stating the same information that had already been provided to me, instructing me to contact XXXX again. Since then, I have not been able to contact this representative and her number is now going straight to voicemail. 
Fifth Third Bank has discriminated against me based off of erroneous information, violated the Equal Credit Opportunity Act & has caused damage to my Credit Score in the process.
Consumer complaint received 2020-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau of the South, Inc. (LA)

I have excessively tried to dispute a collection with them. They claim I owe them money from filling out an application to live there. Why would I fill out an application to live there when I was already a current resident for 2 years and was still living there when the application was submitted. That makes no sense. They refuse to send me any letters of verification or communication. I want the debt ceased and the negative reporting removed from my credit report. How can I be charged for something I never asked for, wanted, or needed?
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On Monday, XX/XX/2020 at approximately XXXX CST I made a call to Bank of America about the current APR on my cash rewards card ( 16.99 % ). The advertised APR range for the card is 13.99 % -23.99 %. During the call I explained that I was looking to receive a lower interest rate on the card as I have been a customer for a number of years with perfect payment history. 

The customer service representative indicated that the interest rate available was consistent with the national average, rather than based on my current customer and payment history. He indicated multiple times that the rate was 'fair and consistent '. I asked if that meant my current interest rate was fair and consistent with others who had the same card for a similar length of time with a perfect payment history. He indicated he was not a computer and could not confirm this. If this can not be confirmed why would this be communicated multiple times to the customer. 

What was most alarming during the conversation was that the customer service suggested having my account sent to a collections agency to help with my goal of paying off the debt. I was outraged. Why would a financial institution suggest a customer have their account sent to collections? A customer who has never missed a payment or never made a late payment. When I called the agent to the carpet for suggesting a practice that would negatively impact my FICO score and credit he shrugged the suggestion off as if it were no big deal that he would suggest this option as a viable means to paying off debt when I called to inquire about a lower interest rate. 

When you search the Bank of America Cash Rewards card 13.99 % APR is the lowest interest rate listed in advertisements, it is also the lowest APR listed on all credit card statements and card details for current customers. This rate should not be listed if it is not available for customers. I say this because when asked what a person has to do to qualify for this lowest rate, there were no there were no answers available, no tangible factors for receiving the 13.99 rate.
Consumer complaint received 2023-01-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc. (FL)

On XX/XX/2023 my Google Pay account registered under the email XXXX was suspended for " suspicious activitiy ''. I was instructed to upload my ID and most recent payment method used on my account. I uploaded my ID multiple times, a phyiscal picture of both the debit cards on my account, and XXXX bank statements for the checking account on my account. Each time I was informed the documents could not be verified. 

I then recieved word from the XXXX team that my accould would have to remain suspended due to terms of service violation. I have had this account for years and not a single issue like dispute so I am not sure what terms of service they are refering to that I violated. 

Regardless I decided to withdraw the {$1800.00} in my Google Pay balance since they would no longer allow me to use my account. I was then prompted with a message saying " Something went wrong. Your account was suspended. Go to the payments page for more info ''. 

Since then I have had this same message every time I try to withdraw my money. Google pay closed my account for no reason and is trying to steal {$1800.00} from me. This is very upsetting. Please make this right.
Consumer complaint received 2020-08-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAVALRY INVESTMENTS, LLC (TX)

I received a letter XX/XX/2020 from CALVARY SPV 1, LLC XXXX XXXX XXXX. 
The letter stated that unless I contacted the office XXXX and XXXX XXXX. within 30 days of receiving notice that I dispute the validity of this debt or any portion thereof, this office will assume debt is valid. If i notify this office in writing within 30 days after receiving the notice that i dispute the validity of this debt or any portion of it, the office will obtain verification of debt or copy if a judgement and mail copy or verification. This tactic is a deceptive way for CALVARY SPV 1 to restart the debt collection clock. I notified them I disputed the debts validity and asked for proof. I received a letter dated XX/XX/2020 that XXXX and XXXX XXXX. had received and reviewed my letter and now advising you of denial of inaccuracy regarding my account. They included documents that do not establish how debt was assumed or specific to me. I disagree with the accuracy of the information associated with my name. The letter threatens I have been put on notice in big bold letter. CALVALRY takes advantage of unsophisticated person not knowing Consumer Standard. The documents do not support a factual bases for collection of debt. The documents provided are vague and misleading with inaccurate information. There is a failure to make a connection on how the debt can be valid and associated with me. I was not given any information about steps to take if information provided was incorrect. CALVALRY seeks to provide abusive collection tactics threatening YOU ARE PUT ON NOTICE. The claims made my CALVALRY are unfounded and documentation provided does not establish the dent in question to be mine. The letter does not establish a follow up of communication once documents are reviewed. This letter gives me a impression that a lawsuit is going to be issued or they be suing me. They are misleading clients and violate FDCP debt collection laws.