davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

While visiting a Citibank branch on XX/XX/XXXX, I opened a new checking and savings account in the Citi Account Package. According to the personal banker who  opened my account and Citibank website, I was eligible to receive a {$400.00} sign up bonus if I ensured the following conditions were met : 1. Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
2. Maintain a minimum balance of {$15000.00} in your linked checking and savings accounts for 60 days. 

I have met all of the aforementioned conditions to be eligible to receive the sign up bonus. Below is a chronological order of events which illustrate that I in fact met all of the conditions required by Citibank : 1. On XX/XX/XXXX I deposited {$15000.00} new to Citibank funds into my checking account and subsequently transferred {$250.00} to my linked savings account. 
2. As stipulated by Citibank, I funded the accounts within 7 days ( requirement is within 30 days ).

3. As stipulated by Citibank, I maintained a minimum of {$1500.00} in my linked checking account.

4. As stipulated by Citibank, I maintained a minimum of {$100.00} in my linked savings account.

5. As stipulated by Citibank, I maintained a minimum balance of {$15000.00} in my linked checking and savings accounts for a period of 72 days through XX/XX/XXXX ( Citibank requirement is 60 days ). 

On XX/XX/XXXX, I received an email from Citibank advising me that I am not eligible to receive the {$400.00} sign up bonus because I did not meet the required conditions. I have attached/uploaded the email with this complaint submission. 

I immediately called Citibank to try and resolve the issue, but after 4 telephone calls, 3 hours on the telephone, and numerous transfers, my issue remains unresolved. 

I am 100 % confident that I have met the required conditions and am eligible to receive the {$400.00} sign up bonus. 

I am hoping your organization can help me. 

Thank you.
Consumer complaint received 2022-08-10
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. (AR)

I declare under pentalty of perjury, that the foregoing is true and correct to the best of my knowledge.Further i certify that i am permitted by Federal and state law to file this dispute.These items that are found on my credit report are not related to any transaction that i made or been apart of.These credit reporting agencies are in a clear violation of the United States Code Law 15 U.S. CODE 1681 1B- Permissible purposes of consumer reports they are reporting unknown accounts without my authorization. I never gave XXXX, XXXX, experian written consent to report anything to my consumer report. On XX/XX/2022 i sent a dispute to XXXX XXXXXXXX and experian certified mail letting them know of this violation and requiring proof of my of my written consent. As a consumer by law these accounts on this letter must be deleted immediately from my consumer report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2022-08-10
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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (TX)

1st complaint I have late payments on all 3 credit brureaus from Creditor = Comenity Capital bank/Ulta in 2020 I lost my job due to COVID- I explained to the creditor the hardship that I was going through, they stated late payment were going to be forgiven, but I recently started to monitor my credit and I noticed my late payments were reported to the credit Bureaus, I called ulta and they directed me to dispute it to the credit bureaus I submitted dispute letters and explained that I went through a national disaster and I checked the status of my dispute letter and they were not deleted so I am asking for help about this.
Consumer complaint received 2022-08-10
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. (NJ)

n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX Account 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 2019-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: FIRST NATIONAL BANK OF OMAHA (CA)

I have a Travel Elite Card with First National Bank of Omaha ( FNBO ) which is serviced through XXXX XXXX. The Travel Elite credit card has a travel benefit that reimburses {$100.00} for discretionary airline spending ( airline upgrades, food, airport lounges, itinerary changes ) for every calendar year. In XX/XX/XXXX I paid for a seat upgrade on a common airline carrier and expected that I would receive a reimbursement for the remaining discretionary airline spending that I still had left in my account. I first called FNBO in mid-XX/XX/XXXX and was told that I would be receiving the reimbursement in two weeks, then I called again in early XX/XX/XXXX and the same thing was said. I finally made a formal complaint on XX/XX/XXXX or XX/XX/XXXX after MANY customer service calls to FNBO and XXXX XXXX. The last customer representative I have been emailing is XXXX XXXX with XXXX XXXX XXXX XXXX ( XXXX XXXX ) and he informed me that I would get the credit " soon ''. The story is the same, after many calls to customer service on both ends I still have not received a dime. It has been almost or about three months since this issue began. I just want to move on and put this issue behind me. I hope I have provided enough information. Thank you very much to the CFPB and your agents for your help and your continued service. Please have a good day!
Consumer complaint received 2022-08-10
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. (OK)

My personal information was used to open accounts in my name. Those accounts do not belong to me and i would like to have the credit bureaus remove the fraudulent information. I have sent them letters and reports explaining this information. I have reach to the companies involved and now I am reaching out to you. 

TRANSUNION-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 DEPT OF EDUCATION XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Designed Receivable Solutions, Inc. (CA)

Designed Receivable Solution XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX has placed XXXX collections on my XXXX credit file, one under the amount of {$500.00} in the amount of {$130.00}. Two others that are a duplicate of what's already been reported on my credit file. They are just different amounts. This company never sent me any communication stating that I owe them for any new collections. This action has caused my credit score to decrease XXXX points.
Consumer complaint received 2019-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (OR)

I have been dealing with this situation for many years and I have spoken to the ombudsman who basically did nothing after Navient responded with no explanation. I have received multiple letters from Navient with different balances and no proof of how the balances were created. Currently Navient states on the website that I owe them XXXX. However they just sent me a letter via mail that I owe XXXX. I have been dealing with this situation since I was in school at XXXX. I had to stop attending because I ran out of money, that is the 1st time I was aware of a problem. Besides the fraudulent activity of the school which I also have a claim on, Navient is changing the amounts constantly. When I got a lawyer to handle the situation, suddenly Navient makes up that I had loans from another servicer and they have now been added to the loans. I never had loans from XXXX, this is what Navient is now claiming. 
When I started XXXX I had XXXX is student loans from Sallie Mae This was for going to the previous XXXX XXXX College, and I also have made many payments under the IBR program. Now I somehow have accumulated XXXX in student loans even though with a revised letter from Navient that now says I owe {$23000.00} from the XXXX, that creates an unexplained amount of debt in question. My debts before XXXX were paid. And while I attended the college, I was also making payments. The amount of money XXXX University said that I borrowed is {$29000.00}. You can see from the math there is around $ 30K in interest accrued in less than 5 years. Of that amount, only {$1800.00} dollars is accrued interest on the XXXX loans which I attended earlier then XXXX. None of this is adding up correctly, and I have had an accountant look at it and tell me this is not correct. Navient will not provide any evidence that I owe this money accept a promissory note that could have been to any school. A master promissary note does not mean I owe every bit of debt that is tacked on from different people who have my name or from miscalculations from Navient. I do not owe this amount of money. I begin making payments in XXXX, and I want it to get allocated to the right accounts. I'm not going to make payments on someone elses bills. I was not sent any payment coupons and it says there is nothing due on their website. However I have a letter that says when I begin my repayment. I want to have the correct balance on the XXXX loans. I want them to take responsibility and explain their calculations.
Consumer complaint received 2019-01-18
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. (TX)

I am a victim of identity theft. In which I have supplied all three credit reporting agencies with a copy of my police report as well as proof of my identity. I have requested for unauthorized inquiries to be removed from my credit profile. My request has been ignored. Therefore, I continue to have unauthorized inquiries reported into my credit profile. I am requesting for Equifax Credit reporting agency to be investigated for not honoring my request. After I have submitted legal documentation to them from law authorities, in reference to my identity being stolen. Please reference to the following inquiry request as listed below. 

XXXX XXXX XXXX XXXX XXXX-17 XXXX XXXX XXXX-17 XXXX XXXX XXXX XXXX-17 XXXX  XXXX XXXX XXXX XXXX-17 XXXX XXXX XXXX XXXX XXXX-17 XXXX XXXX XXXX  XXXX-17 XXXX XXXX XXXX XXXX-17 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX-17 XXXX XXXX XXXX-17 XXXX  XXXX  XXXX-17 XXXX XXXX XXXX-17
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

In XX/XX/XXXX, I opened an auto loan account with Santander. During XXXX, I was not able to maintain the loan and the vehicle was repossessed. I believe my last payment was made in XX/XX/XXXX (? ). The account has apparently been sold to XXXX who appear to be reporting this account as new and delinquent, which is having a significant impact on my credit report.
Consumer complaint received 2022-08-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MN)

I have asked Paypal repeatedly to send a check to my confirmed and verified address. They have refused to do so. 
XXXX XXXXMultiple emails, phone calls, and online messages with Paypals customer service alternated between saying I need to add a linked bank account in order to receive a check ( I did so, but was still not able to receive a check ) ; and saying that there was a " known issue '' with check requests that they would look into resolving as quickly as possible XXXX XXXX-I contacted the Minnesota state attorney general 's office for assistance. They sent a letter to paypal, and I received a response from " XXXX XXXX  in escalations '' stating that I needed to link a bank account to my paypal account in order to be issued a check. She ignored the fact that I had already completed this step, and was still not getting my funds via check. 
We responded to XXXX XXXX 's email with this information, and have heard nothing further from paypal since XX/XX/2021. My funds remain online with no way of accessing them.
Consumer complaint received 2022-08-10
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. (MI)

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Equifax Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
XXXX XXXX CO XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$230.00} US DEPARTMENT OF EDU XXXX Balance {$650.00} US DEPARTMENT OF EDU XXXX Balance {$4200.00} US DEPT. OF EDUCATIO XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2200.00}
Consumer complaint received 2022-08-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

XXXX and Equifax both have posted on my credit reports that companies XXXX, XXXX, 2 XXXX XXXX  accounts have been paid late or not paid, as well as, closed on the creditors choice which is incorrect. I closed the accounts and have worked with XXXX XXXX XXXX since 2019. I have paid all accounts on time through XXXX. I have sent documentation and distributed to both credit bureaus more than once. Also, these accounts are ALL paid in full at this time. These accounts need to finally be corrected or removed due to the inaccuracies and refusal to correct.
Consumer complaint received 2022-08-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (CA)

During covid lockdown after XX/XX/2020, I requested the closure of this account. the physical branches were closed during this time and I was unable to visit branch to request closure of the account. I had to close it over the phone with Customer service department. Whoever was helping me when I requested to close this account, apparently did not close the account and I was being charged monthly service fees that I was unaware of. The company put this account into XXXX XXXX  that I owe a balance and it is in collections. I tried several times disputing with XXXX XXXX  and US bank both are refusing to help me in removing this from my report.
Consumer complaint received 2022-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (SC)

I have been contacting the following companies for 5 years and they have refused to remove the debt. They insist that the debt was verified but has not shown proof. I have provided a police report and disclosed my full identity. My home was broken into year XXXX, where all of my personal information was stolen, and a police report was filed. My car was broken into XXXX where my purse was stolen. A police report was filed. I filed another police report in South Carolina when I discovered my personal information on the deep dark web. I have filed a police report in both the state of Georgia and South Carolina. No one has assisted me. I was advised to file a police report in every single state that I found fraud activity which I believe is unnecessary. I have been dealing with identity theft for 5 years now with no solution. I demand all information to be removed immediately. This is affecting my life, personal and business development. 

I do not know anything about the people or person who stole my identity. I also found my personal information such as address, credit score, D.O.B, and full name on a website called " XXXX XXXX' I have emails and screenshots of this information that I will also provide if requested. 

Company : XXXX XXXX : {$15000.00} XXXX XXXX  {$11000.00} TXXXX XXXX XXXXXXXX XXXX : {$2200.00} Collection Agency : XXXX XXXX XXXX XXXX : bought debt from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : bought debt from XXXX XXXX Georgia Police # XXXX ( XX/XX/XXXX ) Geogia Police # XXXX ( XX/XX/XXXX ) South Carolina Police # XXXX ( XX/XX/XXXX )
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

There is an account listed on my credit report by Credit Acceptance Corp. It is listed as open when in fact it is closed. Furthermore this account is damaging my scores horrifically! They ( credit acceptance corp ) continue to report to the bureaus that this account is open and 120 days past due every month for years! That is not possible!!! - it is not open! It has been closed for years. If you look at the Monthly Payment there is no monthly payment because it is closed! This account has been marked late 120 days for the last few years and it's closed! this should not be on my report at all.
Consumer complaint received 2022-08-10
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. (NJ)

A EX-SIGNIFICANT OTHER USED MY PERSONAL INFORMATION TO CO SIGN A LOAN ON HER BEHALF WITHOUT MY UNDERSTANDING OR CONSENT. I WAS TOLD THAT MY ONLY RESPONSIBILITY WOULD BE PAYING EVERY MONTH USING MY CREDIT CARD WHICH AFTER WE BROKE UP I DISPUTED AND TOLD I WAS NO LONGER PAYING. NEVER DID I AUTHORIZE ANYONE INCLUDING THIS COMPANY TO USE MY PERSONAL CREDIT TO SIGN FOR THIS LOAN. I ONLY AUTHORIZED MY EX XXXX XXXX TO USE MY CARD MONTHLY FOR PAYMENTS ON A MONTH TO MONTH BASIS UNTIL I SAW FIT. ONCE WE WERE NO LONGER A COUPLE I NO LONGER HAD OBLIGATION TO THIS MONTHLY OBLIGATION NOR DID I EVER HAVE KNOWLEDGE OR UNDERSTANDING THAT THIS WOULD BE REPORTED ON MY CREDIT AS I NEVER SIGNED ANYTHING WHATSOEVER, ENTERED ANY ESTABLISHMENT GIVING PERMISSION, ONLY VERBAL WITH MY EX SIGNIFICANT OTHER THAT I WOULD HELP HER.
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (PA)

I received notification that all my account with Chase will be closed. Including checking and XXXX credit cards. I have never been late on any of my payments, and do not have any idea why they closed my accounts. Mostly pay off the card in full each month. When I call the bank they will not provide a reason and just read off a generic message. I do not understand how Chase gets away with closing accounts for no reason, destroying peoples credit and don't provide an opportunity to explain whatever their algorithm deemed dangerous or whatever. 

I completely understand if there was something illegal done, but I have not done anything wrong or illegal. I demand an explanation! And CFPB needs to investigate Chase for their practices that harm peoples credit. Just in my circle of people I know at least XXXX other people that this has happened too. That's way to many people for this to be a random act. As one of the biggest credit providers in USA, Chase can not and should not be able to have a say in just closing down accounts for whatever reason they see fit.