davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-25
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (GA)

In mid-XXXX. '18, I opened a Citi checking + savings account combo under the following guidelines in return for a {$400.00} bonus. Also note at the time of opening the account, I inquired and double-checked that only funding 1 of the accounts ( not both ) as also stated in the requirements of the offer was adequate to meet the guidelines and was again reaffirmed. 

-Within 30 days of opening your account deposit XXXX new-to-Citibank funds into the checking and/or savings account. 
-Maintain a minimum balance of XXXX in your eligible linked checking and/or savings account for 60 days. 
-Get {$400.00} deposited to your account! 

After fulfilling all of the above requirements, I expected to see the bonus deposited into my account ; I even received an email stating " You've Earned Your Citibank Award '' with the details mentioning I had earned the {$400.00} bonus. After inquiring why I hadn't received the bonus, I discovered THEY had closed my checking account ( at some point ) without my consent ( saying it had not been funded ) and also stated they would not pay-out the bonus since it no longer qualified due to THEM closing it. Again, note that nowhere in the above requirements does it state both accounts need to be funded at all. After 3 unsuccessful rounds of direct appeals/reviews with Citi and even another attempt via XXXX ( in a disguised attempt to  appear to be helpful and solve my problem only to waste my afternoon and provide the same too bad response ), I have decided to report their big bank shady practices to scam and bait-n-switch customers.
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

I believe that BestBuy/Citi Bank has violated the General Disclosure Requirements as outline in Regulation Z, 1026.9 ( c ) ( 2 ) ( ii ). I recently made a instore purchase using my BestBuy/Citi Bank credit  card on XX/XX/20 But I received a credit alert yesterday that my credit score drop over 30points directly affected by going over the limit on my Citi Bank credit card. With review of my credit I noticed that Citi Bank is reporting my credit limit as {$2000.00} but my current balance was {$2700.00}. I contacted Citi Bank today to inform them of the error and to request them to correct my credit limit accordingly they then informed me that my credit limit was the {$2000.00} but that they " sometimes allow consumers to go over the limit to help them complete their purchases ''? I explained that I was not informed verbally or in writing acknowledging that I wanted or even requested to exceed my credit limit. Citi Bank stated because of limited share  data Best Buy can not see what the consumer credit limit is so they dont know if going over or not, so its on Citi Bank approving the transaction on their end. I advised again that I was not informed and asked where in my credit card agreement that I accepted the terms that Citi Bank can " sometimes allow to exceed over the limit charges '' Citi Bank was unable to identify where it was in my agreement. Citi Banks failure to follow the Reg Z disclosure statement requirement has negatively affected my credit score and my credit reputation. This approval practice by Citi Bank is unbelievable and unacceptable and is damaging consumers credit reputations and must be stopped!!!
Consumer complaint received 2019-03-26
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. (MO)

There are five student loans showing up on my credit bureau as delinquent. However, all of my student loans transitioned to XXXX and are in repayment with a good standing. Some of the delinquent loans have the same date or date range as my XXXX loans. I did not take out separate loans from the ones I already have that originated at XXXXXXXX XXXX University - XXXX. For example, there are two loans dated XX/XX/2007. Did someone take out a separate loan after I did on the same day? I do not understand why this would show up under the XXXX XXXX XXXX in addition to the XXXX loan in repayment with the same dates. XXXX is the service provider for all of my student loans including my only private loan. Additionally, the XXXX XXXX XXXX XXXX has sent a letter to garnish my check at my job. The principal amount is {$27000.00} ( see attached ), which is close to the same amount I am still paying. Please help me clear this up so this no longer shows up on my credit bureau doubled up with additional fees.
Consumer complaint received 2019-09-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (CA)

On XXXX, 2019 i used my NetSpend prepaid debit card to purchase a cell phone from XXXX wireless in the amount of {$53.00} that was taken out of my NetSpend account the same day but the following day the order was cancelled due to the fact that the cell phone was not in stock. I contacted XXXX and advised them that I have not received any refund and was advised by a supervisor at XXXX to file a dispute with my bank or card co. I then called NetSpend and filled a dispute. On XXXX XXXX, 2019 I was informed by sprint byway of email that the refund was approved and was sent back to NetSpend. On XXXX XXXX, 2019. Today is XXXX XXXX, 2019 and the money is not credited back to my account nor made available for me yet. The Policy at NetSpend for refunds is that any money refunded would Post to the account and made available within 3 to 5 days after receiving the refund. NetSpend has advised me that the money will not be available to me until XXXX XXXX 2019 completely against the policy and procedure written by NetSpend.
Consumer complaint received 2019-09-23
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NY)

( SYNCB/BP  DC ) XX/XX/2019 XXXX, FL XXXX I arrived to a BP gas station in XXXX NY where I saw a advertisement on the pump saying " Receive 25 cents off per gallon. '' I went inside the store and asked the cashier for details on the card. All the representative said was " sign up '' handing me a pamphlet. I followed the details provided in it. A month later I received a hard Inquiry. I wanted the rewards. I was unaware that this was based off approval. 

I would truly appreciate help on this concerning matter as I am a lifetime customer at the gas station. 

Its my favorite gas.
Consumer complaint received 2019-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

My complaint is against Barclays bank. What happen here is that Barclays bank is reporting a 30-day late payment this happen in XX/XX/XXXX-XX/XX/2019. The 30-day late payment is for annual fee which I was not aware I had to pay. Months back we tried to use the C.C and it did not work therefore I assumed that the account was closed. I was aware of this incident because I was informed my mortgage company telling me that I was no longer approved for a $ XXXX home loan, which is to close next week. Otherwise I will lose my {$10000.00} deposit for the property.
Consumer complaint received 2019-03-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO. (CA)

JP Morgan Chase erroneously charged me for end of lease. Even more I traded my XXXX XXXX XXXX XXXX in on a pull ahead program with XXXX XXXX at the dealer. No one at the dealer advised me of damage or the opportunity to have a pre inspection. Therefore I disputed this transaction immediately after receiving a XXXX statement. I heard nothing from them until XX/XX/XXXX which was a reduced bill for lease liability. I then sent another lease dispute letter for I wanted pictures and when I made a lease deal for my new XXXX   XXXX XXXX XXXX, the dealer stated this was a total deal and I took advantage of the manufacturer 's Pull Ahead Program. 

The monthly payments were to be absorbed and the excess wear and tear was not documented. Once again, I asked for pictures and did not receive them and on top of that I was told by XXXX XXXX that this was a clean all inclusive transaction. This is very shady. 

However, the most damaging thing is that it has been reported to my credit as I attempted to pre-qualify for a home. This is insane! 

I was on the phone with Chase and spoke to two reps and the credit counselor there and they said there is nothing I can do. They can not remove the credit ding even if I paid in full although I know I don't owe the money. 

I asked for a letter to show to the Mortgage company from Chase to show that this is in dispute and it has been reduced and still they won't help me. They said that I had to pay it in full to stay off my credit! What a hoax and an awful way to treat a current customer. 

Please aid me in this and I know Chase has had complaints. They provide no remedy or supervisor to speak to. Meanwhile I can not get a loan. 

Thank You! 


XXXX XXXX
Consumer complaint received 2019-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/19 at XXXX I received an email stating that I requested new credit and debit card, because mine were damaged. I did not make such a request. 
On XX/XX/2019 I went to the Chase branch and informed that I did not make such activities. Chase employee suggested closing the old accounts and opening a new one. I agreed. As of XX/XX/2019 my accounts were closed and I do have a written confirmation. 
On XX/XX/XXXX I received a temporary ATM card. I asked chase employees if my previous accounts were closed for sure, they confirmed. I asked if them if its safe to deposit money to my new account. They stated that my accounts are safe and secured. On XX/XX/XXXX I deposited XXXX $ on my new ATM card. 
I received a new debit card in a week of XXXX of XXXX. I activated but never used it. On XX/XX/XXXX there was ATM withdraw for {$500.00} and XXXX $ dollars that I did not make it. Also i never shared by debit card pin or I never asked anyone to withdraw money for me. 
On XX/XX/XXXX I called chase and I made a claim. 
On XX/XX/XXXX I was informed that my claim was declined because whoever used my card knew my pin. They also informed me that the money where withdraw using my old debit card that supposed to be shredded on XX/XX/XXXX by Chase employees. 
On XX/XX/XXXX Chase representative informed me that they wont proceed with an investigation and that I wont be able to get my money back from Chase.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX  Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021
Consumer complaint received 2019-12-19
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (PA)

If a card issuer decreases your credit limit, the card issuer can not charge you over-the-limit fees or a penalty rate for exceeding your new, lower credit limit, until 45 days after it has given you notice of the decreased credit limit. A card issuer can not charge you over-the-limit fees if it didnt give you notice of the decreased credit limit or if you havent opted in to the payment of over-the-limit transactions. 

Synchrony bank decreased my credit limit, based on information they said they received from XXXX. I have just spoken with XXXX   and one of the factors is " Not enough balance paid down over time on real estate secured loans '' They gave me this card when my mortgage was new and I have made all payments on time and in the proper amount. How can they possibly use this as a factor when it is not. I have more paid down today on my mortgage than I had when I opened the two cards which they did this reduction on. It is a form of deceit. When they reduce your available credit on a card, it looks like a reflection on your ability to pay. It lowers your score and perpetuates the as the second factor that they use which now says, You have Too many revolving accounts with high balance compared to credit limit. A direct result of them lowering my available credit on three accounts- a very poor reflection on me as though I am at the top of my credit limit, which I was nowhere near and which I have been paying with payments they establish. I have now made a decision based on their false credit reporting, I will not continue to be responsible due to their deceitful credit practices. This bank should not be permitted to randomly do this and by the way I was not given the proper notice ( 45 days ) to address, these reductions. Its all well and good that they give you credit, but if youre fulfilling your part of the contract, it seems unreal that they can affect your life and financial well being in such a negative way, because they want to make a different decision now. All my factors are the same as when I got the card. I make more money now, I have been in my house with a mortgage for much longer now. I have been paying on these balances for much longer now. Why does that warrant a reduction.
Consumer complaint received 2024-10-29
Product: Credit reporting 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)

This CFPB complaint has been filed to request pursuant to FRA 605B ( 15 U.S.C. 1681c-2 ) that the Experian, TransUnion and Equifax credit reporting agencies, block information appearing on my consumer credit report that is the result of suspected identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of accounts on my credit reports that need to be deleted immediately. 
XXXX : XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX OPENED XX/XX/XXXX HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED 06/17/2024 these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit reports. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2016-11-05
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (MA)

I bought a watch for {$8900.00} plus tax 0f {$550.00} for a total of {$9500.00} from XXXX XXXX in XXXX of XXXX. I was given 12 months to pay the monies back without interest of XXXX percent as I filled out a credit card application through XXXX XXXX XXXX and Wells Fargo financed the transaction. I made {$800.00} dollar payments for 11 months and mailed my last payment of {$920.00} for a total of {$9700.00} on XXXX XXXX, XXXX but it was not posted till XXXX XXXX by Wells Fargo. 
Wells Fargo is now charging me XXXX percent on the original amount owed of {$9500.00}. 
Although I substantially paid down the amount owed they say I now owe them an additional {$1900.00}. They are acting as if I did not make payments. They are basically saying that if borrowed {$10000.00} on day 1 and on day 365 I paid them back {$9900.00} then I owe them an additional {$2700.00} because I owed them a dollar. 
Please help me. The true interest rate on this loan since I made payments to reduce it is more than XXXX percent. 
I have now received a statement saying I owe them {$1900.00}. Pathetic.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Navient Solutions, LLC. (OH)

My Name is XXXX XXXX XXXX. 
XXXX is my middle name and NONE of my credit uses my middle name. 

Please correct this ASAP. The company response to the dispute is not acceptable.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2016-05-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NJ)

In complaint XXXX, Equifax wrote that they verified the date the XXXX credit card accounts ending in XXXX and XXXX were opened. I have received official correspondence from XXXX XXXX executive offices stating otherwise. Equifax has repeatedly indicated they verified the XXXX credit card accounts, WHICH THEY HAVE NOT. See the attached letter from XXXX. These inaccurately XXXX credit accounts were not investigated properly.. I have asked for full proof of Equifax 's investigations in the past and the letter from XXXX XXXX XXXX offices confirms they did not verify the accounts. the account open dates are wrong.
Consumer complaint received 2021-03-25
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. (NV)

On XX/XX/2021 I initiated a dispute with XXXX. One creditor shows incorrect dates as my first date of delinquency. I included billing statements and a receipt of payment validating my claim. When I disputed with XXXX it was instantly removed but after repeated attempts with XXXX and Equifax no change has been made. This was a joint account with my spouse and was removed last year from her XXXX and Equifax but not XXXX.
Consumer complaint received 2019-07-26
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. (TX)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2016-11-05
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Items are being removed from my credit report but it is not impacting my score in a positive way. I just had a big thing as a collection item from XXXX removed and transunion decreased my score by XXXX????? XXXX increased the number as it should be. 
There is disparity with their numbers and XXXX by XXXX points and they have the same number of accounts. I try to dispute and their customer service is rude and never listens. When I report to you, i did once before i feel like they take adverse action on my account.This has been going on since I reported them to you. All they have done is decrease my numbers no matter what is removed. 
I need them to just do the right thing and not be mad. its not personal to them it is to me.
Consumer complaint received 2016-11-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Trans Union is reporting information that was submitted with an identity theft report and police report. These fraudulent accounts/debts should no longer report on my credit file. 

If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B )