davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (PA)

The BJs Mastercard Commenity website and phone lines have been down for over a week. The monthly automated payment did not deduct from my checking account. I can not see my balance and there is no one answering phones on several occasions this week ( there is even no option to reach them if you want to repost your card lost ). There is no way to see transactions to ensure no unauthorized transactions have been made. No time estimate is given to this supposed system maintenance and no guarantee fees will not be assessed even though there was an attempt at a payment.
Consumer complaint received 2021-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This is a continuance from a complaint I have already filed. More happened after I made the original complaint. The file number is # XXXX. 
I received an email on XX/XX/2021 stating there has been unusual activity on my account and they are restricting it. I called and they advised me that I need to open a new one and transfer my money into that one since this current one was compromised. She ( the employee ) walked me through opening a new account and I was able to transfer what I had in the old account into the new account. 
2 days later, I receive the same email on my new account and they locked it down and restricted it. Only saying they denied my claim and will not be doing business with me again. I drove over an hour to withdraw my money in person. I have been with Capital one for many years and I have always bragged on them and told people what a good company they were and how easy they were to work with. 
I have 1 issue ( and a major one ) and they deny it and try and get rid of the problem. After much research, I found where there has been XXXX fraud with Capital One before not long ago. I will not let this issue go. I have lost a lot of money with this and I won't be quiet about it.
Consumer complaint received 2022-06-28
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (OH)

I have a XXXX XXXX card through Comenity Bank. Their system has been down for several days with no ability to communicate with anyone. No explanation is being given for the extended outage aside from generic responses. No answers given about making payments, unable to access my information to check for possible fraudulent purchases. No estimated time is being given for service restoration. Very concerned there was some sort of breach and it is being hid from customers. They are giving everyone until XX/XX/XXXX before late fees, which is only a few days away.
Consumer complaint received 2021-11-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEAD MERCANTILE CO., INC. (MS)

this is my 2nd attempt for MERCHANTS ADJUSTMENT SERVICE, INC, I sent my last letters on XX/XX/2021 for the alleged debts of XXXX, and XXXX that I do not owe.my first set of letters requesting the validity of the debts were on XX/XX/2021 and I never gotten a response from them which is a violation of 15 USC 1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. also violated 15 USC 1692e ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt, as well as 15 USC 1692e ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization because they usees the names of SOS GROUP and HEAD MERCANTILE CO I, which is not the original legal name
Consumer complaint received 2021-09-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NJ)

ON XX/XX/2022, I TRIED TO MAKE MY ONLINE CC PAYMENT TO Victoria 's Secret CREDIT CARD WHICH IS SERVICED BY COMENITY BANK. BUT, I KEPT GETTING AN ERROR MESSAGE OF " We are currently undergoing a planned system update that has taken longer than expected. We are working to restore service as quickly as possible, and your account information will remain secure through this update. We apologize for any inconvenience caused by this disruption. '' SO I TRIED AGAIN ON XX/XX/2022, AND THE SYSTEM IS STILL DOWN. MY PAYMENT WILL BE LATE. I WANT TO MAKE SURE THIS DOES NOT AFFECT MY CREDIT SCORE, NOR SHOULD I BE CHARGED A LATE FEE.
Consumer complaint received 2021-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On Friday XX/XX/XXXX I made a purchase through the Bank of America XXXX XXXX for a flight on XXXX XXXX to XXXX  on Saturday XX/XX/XXXX with Flight XXXX. My confirmation number was XXXX and it was a one-way flight. I was not able to make the flight and immediately called XXXX XXXXXXXX onXX/XX/XXXX to have the flight cancelled and the refund processed. Immediately I received a " refund received '' confirmation email and soon after on Saturday, XX/XX/XXXX at XXXX AM I received a refund confirmation email. 
After the 7 business days suggested that I would receive the refund to my account I called Bank of America to inquire about the refund status and when it would be processed. I was told that they do not see a refund started by this merchant and to call them. I called XXXX XXXX to confirm the refund and was told it was processed and it is up to my bank to release the funds. I proceeded on to the airlines website to also check the refund status and it said completed. This went on for XXXX  months as I proceeded to call Bank of America every month to inquire why my refund was taking so long to process then they would tell me to call the airline. Both of which I repeatedly did. 
I understood refunds can take some time so I was patient for the first XXXX months as the airline said it could take as long as 30-90  days. However, with no success I am still without my refund. So I then proceeded to call back in XXXX to further inquire about the refund at which point I opted to file a claim hoping to expedite the process. This was all after I was told not to file a dispute in XXXX since the refund was already processed and should be showing on my account soon. 
After filing the dispute I receive an email that my claim status has changed on Friday XX/XX/XXXX only to be told that I have waited too long to file the dispute and the dispute fell outside the timeframes to retrieve the funds. I find this very unacceptable as I have been contacting your institution since the date the refund was processed by the airline and have received no help as a new user of the XXXX XXXX This was my first time using thisXX/XX/XXXXXX/XX/XXXX and ever disputing a claim with Bank of America and it has been the most difficult experience. I hope to get this issue resolved before the end of the year.
Consumer complaint received 2021-09-27
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: CITIBANK, N.A. (IL)

I have a fraud alert on my credit report and multiple times a Macys account continues to report. All credit bureaus remove the account from my report but XXXX added it back on. They already investigated this matter and removed it but added it back on.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MN)

I tried to log onto my account online for over a week now to check my account and ensure that I have a payment scheduled for the due date. For this entire time the site has been down. There is a current note on the site that reads, " We are currently undergoing a planned system update that has taken longer than expected, thank you for your patience as we work to restore service as quickly as possible. In the meantime, your account information remains secure through this update. We apologize for any inconvenience caused by this disruption. '' Please tell me how someone is supposed to verify that a payment has been schedule. Or tell me how someone is supposed to pay when they can not access the site. 

There is an option on the site to " Pay Faster Without Signing In ''. I tied to log in via that link with my information and it did not work. 

This seems like the company is trying to make it harder for people to pay their bill in hopes that they miss a payment so they can charge late fees and interest. This needs to be resolved. There has been nothing but problems every since this new company took over this credit card and it really seems like some shady business practices. 

Fix the issues and do better.
Consumer complaint received 2021-11-27
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (SC)

Citi bank sent me a cash bonus offer for opening a Citi checkings/savings account and failed to reward me the bonus even after I completed all the activities. According to the offer terms, I will earn a total {$500.00} account opening bonus for completing the following activities. 

- {$400.00} bonus for depositing {$15000.00} or more in New-to-Citibank funds into the new Eligible Checking Account and/or the new Eligible Savings Account within XXXX ( XXXX ) days from account opening and maintain a minimum balance of {$15000.00} in the eligible account ( s ) for XXXX ( XXXX ) consecutive calendar days following the date when you made the {$15000.00} deposit ( " Minimum Balance '' ). 

- additional {$100.00} bonus ( total {$500.00} ) for when I complete the required activities above AND, within XXXX days of account opening, you also complete XXXX Qualifying Direct Deposit into the Eligible Checking Account each month for XXXX consecutive months. 

Based on above offer terms, I opened a Citi account back in XX/XX/2020 and completed all the required activities for receiving bonus within the time frame. But, citi didn't deposit the bonus. I contacted Citi customer care and also sent out the W9 as requested. Even after multiple follow-ups, Citi failed to deposit the bonus offer of {$500.00}. Even Citi representative stated that this matter was escalated within their system but I didn't hear back from Citi for months. I have already spent hours with Citi 's customer care on this matter without a resolution. Citi didn't provide any details on why the offer is not yet deposited in my account even after more than 1 and half years. 

This is a deceiving practice from Citi to make customers to open an account.
Consumer complaint received 2022-06-28
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. (NV)

I sent my letter on XX/XX/XXXX XXXX i told the credit Bureaus to investigate the Inaccurate information on the accounts i have listed below. I Also have the letter attached with the tracking number. 

According to the FCRA the term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified as accurate how is that possible if i have proof they did not do a proper investigation according to the law. Also these accounts are still reporting inaccurate information. According to the FRCA 15 USC 1681 everything must be 100 % accurate. the reseller determines that the item of information is incomplete or inaccurate as a result of an act or omission of the reseller, not later than 20 days after receiving the notice, correct the information in the consumer report or delete it
Consumer complaint received 2021-11-27
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Blackhawk Network Holdings Inc. (CA)

I was supposed to receive a refund in the amount of {$570.00} on my gift card and they blocked my card. I am supposed to send proof of purchase so they can unblock the card. I made many tries to contact amd they are rude, some do not help. They said they would send me a email so i can submit the purchase so they can release the money. They never sent me anything. I spoke with the cardholder bank, XXXX XXXX XXXX XXXX and they do not bother to help fast. My card is about to expire and they are not helping
Consumer complaint received 2021-11-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants Adjustment Service, Inc. (MS)

on XX/XX/2021, i sent MERCHANTS ADJUSTMENT SERVICE, INC a letter requesting the validity of the alleged debt of XXXX that I don't owe.They haven't responded to my request thus far and I am seeking this inaccurate tradeline be deleted from my credit report.they also have violated 15 USC 1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Consumer complaint received 2021-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, my wife went online and used my credit card to enroll our kids in a swimming school called XXXX in XXXX XXXX, CA. She paid {$230.00}. The next day, on XX/XX/XXXX, she decided to enroll them in a different swimming facility so she used the XXXX chat system to unenroll them and get a refund. She was told via chat that they would unenroll our kids, but that the charges might have gone through and they would contact the elk grove location about getting a refund. The school and the franchise both have the same policy about getting a full refund if we canceled within XXXX hours. XXXX called my wife and she was told that the owner would not give us a refund and that she would only be given credit because our kids took up a spot that could have been reserved for someone else. However, they had immediately withdrawn our kids from the classes and those spots were filled. They admitted that was a mistake on their part, but they would still not give us our money. She tried working with them for about a week, but they would not return the money. There are no chat transcripts and she did not record the calls. She decided to call citi, with my permission, to dispute the charge. She called multiple times and provided screenshots of the policy. They did reverse the charge at XXXX point but then decided to charge my wife again and agreed with the merchant. She was really confused on why they had agreed with them ; the citi representative had even told my wife that the merchant had told citi that she had canceled the next day and that would be more proof that she followed the policy. Another representative said that my wife should have written an email saying that we didn't want the credit even though it wasn't made clear at all that she had to do that. Why would we dispute it if we wanted the credit? They eventually kept " opening '' and refusing the refund until they said it was " too late '' to do anything even though my wife contacted them a week after it had occurred. The representatives even said themselves that my wife should get the refund. My wife and I have no problem/give permission to let citi release the recordings of all our phonecalls. My wife has not stepped foot in the safesplash facility ( she hasn't even seen it in person ) so this place has taken off with our money. There are several complaints on this company about their billing practices and that they charge people without letting them know and refusing refunds. We just want them to follow their policy. If their policy had stated from the beginning that there was no refund, we would have had no problem.
Consumer complaint received 2022-06-28
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. (VA)

I have asked the credit repair companies to do multiple checks on my credit report for errors. They stated that everything was accurate and after another check of my credit report I still see that they were not verified correctly or at all. Even after providing the bureaus letters from the creditors themselves they still refuse to make the necessary changes. These accounts are as follows : XXXX XXXX, XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have many inaccuracies including : Account Status, Date Opened, Payment History, Account Status, Date last reported, Date last active, Date of last payment..etc. 

In accordance with the Fair Credit act XXXX  All of these accounts have 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-11-27
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: CITIBANK, N.A. (IL)

I responded to the credit card offer sent to me by the Citibank and received an appropriate level of Thank You points due to it. 
The card # XXXX XXXX XXXX XXXX The established XXXX XXXX account is XXXX I redeemed the points for the {$170.00} worth of the XXXX Gift ecards which were to be delivered instantly on XX/XX/2021 to my email account. However the cards never arrived and the Citibank 's own customer service running the XXXX XXXX  based in XXXX was unable/unwilling to offer any assistance while putting me on a long hold. As of now the order is not received and I closed the credit card account in protest of extremely poor customer service the Citibank provides. I will also shortly close a financial product I have with the Citibank XXXX as result of this situation. 

As of now I still do not have any info regarding the order placed on XX/XX/2021 as the points are showing redeemed however the cards are not received. I also have an outstanding balance of XXXX XXXX XXXX which I expect to have credited back to me in form of the check for {$12.00} since Citibank is unable to process the order for the whole amount of the XXXX XXXX I have accrued. 
The way Citibank is handling this matter is outrageous and unacceptable and it reflects on an absolute lack of any quality control at its overseas call centers handling the matter.