davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

For the past year I have been trying to fix my credit record with XXXX  and also XXXX XXXX XXXX ( XXXX ). I am trying to open a checking account or even a savings account so I can stop utilizing XXXX XXXX  to hold my Money. I have tried every bank I can think of to open one up and was even denied by all the Financial Institutions that offer 2nd chance checking accounts. I have paid for all my past charge offs but the only bank that refuses to take my name off for a past mistake which they consider " suspicious fraud '' is Bank of America. They said even after I paid what they claim I owe them they will not report me in good standing or remove the negative report on XXXX or XXXX. My problem isn't that I have close to $ 100k in my safe that I would like to put in a bank but I can't seem to get any bank to allow me to do so because Bank of America is holding me hostage and unwilling to work with me. Please help as I am willing to even pay double what they claim I owe just to be done with Bank of America.
Consumer complaint received 2018-08-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MA)

I opened Citibank Checking and Savings account because of a {$400.00} new-customer signup bonus. 

Citibank Account Package {$400.00} Checking and Savings Offer Promo ID : XXXX On XX/XX/XXXX I got an email stating that unfortunately I did not meet the requirements for the bonus, but it did not say why. Over the next two weeks I tried contacting Citi Support and they kept opening new cases that would be resolved by simply saying " requirements were not met '' but never gave me the official reason why. Finally I got to talking to a supervisor, who informed me that the funds were not deposited within 30 days. If that was the case, they should have told me right after the 30 days, not waiting for 60 more days holding my money for nothing. 

Apparently I opened the account on XX/XX/2018, but because the online system to log into my new account was so hard to use, I could not actually access my account to transfer funds online until XX/XX/XXXX, over a month later. I tried multiple times with customer support and it was very unhelpful. Eventually I found the right button buried in the website to link my ID with my old ID ( I had a Citi Online ID from my credit card ). Eventually I got into the account and immediately transferred the {$15000.00} needed to meet the requirements for the bonus {$400.00}. This took 3 days so the funds entered the account on XX/XX/2018. 

The terms of the offer state that the funds must be into the account by 30 days after the account opening, but I was not able to access my account until XX/XX/XXXX, and as soon as I did I deposited the funds. 

This citi checking bonus offer is not worth the time and the customer service seems purposefully confusing and on multiple occasions made me wait several days before problems were resolved or returned to me unresolved. The terms of the offer are very confusing and it was easy to miss the exact details, some of which are still unclear to me.
Consumer complaint received 2018-03-09
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: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX, while shopping on-line, I was offered {$35.00} credit on a printer that I was considering purchasing from Walmart. I could receive this credit if I agreed to apply for a Synchrony Bank credit card. I filled in the on-line application form thinking there would be an immediate approval and then be presented with a method to make the purchase. That didn't happen so I waited for a response from Synchrony or Walmart. After a few days, Synchrony called me to complete the application. When I asked about the {$35.00} credit I was assured it would appear on my Synchrony Card. On XX/XX/XXXX I  received the card, activated it and went online and purchased the printer from Walmart. I Checked my account and discovered that I had not received a credit. Consequently, I called Synchrony Bank and told them I didnt have the {$35.00} credit on my account. My inquiry was forwarded for resolution. On XX/XX/XXXX I received a form letter stating that my claim was denied for one of the following reasons : 1. The transaction amount does not meet promotional requirements.

2. The transaction amount did not occur during the promotional period.

3. The type of merchandise purchased was not included in promotional offering. 

I called Synchrony Bank for an explanation and was told that my claim had been denied because I had three days to make my purchase after the approval of the card. I responded that I had no Idea that there was a three-day limit and that I wasnt apprised of the three-day limit when I placed my application for the card. Furthermore, it took longer than three days for the card to arrive in the mail after approval. I was then told that I had been contacted and given a password that would allow me to make a purchase without the credit card. NO SUCH CONTACT WAS EVER MADE. My claim was then forwarded for further determination. I was advised that it would take one to two weeks for a determination. Today,  XX/XX/XXXX, I received the same form letter that I had initially received denying my claim. 

I applied for the card in good faith expecting to receive a {$35.00} credit on my purchase but Synchrony has decided to stipulate additional terms to our agreement after the fact and without my consent or knowledge. I am sure that this has happened to others in my situation and Synchrony Bank should be held accountable to me and others whove had the misfortune of doing business with this company.
Consumer complaint received 2017-06-18
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: CITIBANK, N.A. (NY)

On  XXXX / XXXX / XXXX  I made a  purchase through the Citi Travel Rewards website for a flight in the amount of {$310.00} with my Citi Prestige credit ca rd.     According to the stated rewards and benefits of the card, I am entitled to a {$250.00} travel credit per calendar year for purchases made with the credit card. I made a travel related transaction last year in  XXXX  on  XXXX / XXXX / XXXX  for a  XXXX  flight in the amount of {$260.00} and was successfully refunded {$250.00} one week later on  XXXX / XXXX / XXXX .     Citi is not issuing me the travel credit for my  XXXX / XXXX / XXXX  purchase, however. This is especially problematic for me since I had intended to close my car d two mo nths ago, but have been waiting for the travel credit to hit my account. I now have a {$350.00} annual fee on that has hit my account on  XXXX / XXXX / XXXX  as a result of waiting. And because so much time has elapsed, I have now already paid the fee as part of my last closing statement.     I called t he Citi customer service on three separate occasions and reached three different customer service representatives. Each of them told me that my issue is being caused by a bug in their system that does n't recognize purchases through the Citi Travel Rewards website, but i t should be eligible for the {$250.00} travel credit. I was told by all three of the representatives that I just need to wait since there is nothing they can do and the credit will be issued to my account eventually.     I then sent a message to customer service and received a reply on  XXXX / XXXX / XXXX  telling me that the charge was ineligible since it was through the   Citi Travel Rewards website. This is despite all three other customer service reps saying it was actually eligible after checking with their manager. I responded to this message and asked them to please verify and was given a generic response telling me to send a letter to the " Office of the President. '' It has now been over two months and no resolution is in sight and the customer service team says they have no way to help me or is giving me conflicting information and is not confirming what is correct or not. Should I be waiting? Should I not? I feel that I have been wrongfully forced into keeping my card open so that Citi could collect a {$350.00} annual fee while they hold my {$250.00} travel credit hostage so to speak.
Your help here would be greatly appreciated.        XXXX
Consumer complaint received 2023-06-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (VA)

I consolidated my student loans from XXXX to Mohela and all my previous payment history is missing. These payments go back from XXXX XXXX. If these payments are added I will have over 120 payments and be in the loan forgiveness waiver category. I have submitted a complaint with Federal Student Aid which has been pending for months no resolve or movement. I have called numerous times to Mohela and received various answers but still no resolve. XXXX has sent me the payment history but there is nothing they can do.
Consumer complaint received 2024-10-16
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: Experian Information Solutions Inc. (FL)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX experian XXXX XX/XX/XXXX experian XXXX XX/XX/XXXX experian XXXX XXXX XX/XX/XXXX experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX experian XXXX XX/XX/XXXX experian XXXX XXXX XX/XX/XXXX experian Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

I request an immediate investigation of the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I request that they be removed from my credit report. I also request that I be provided with an updated copy of my credit report once any necessary corrections have been made. A copy of my identification is attached to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Consumer complaint received 2018-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I've paid off my balance but I still get charged interest. When I called in on XX/XX/XXXX, both agents told me that in order to avoid interest charges moving forward, I need to pay off my balance which I assured them that I would. I did that and still got charged interest.
Consumer complaint received 2018-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

I apply for a credit card with Chase, I get approved and then they close the account right away then send me a letter saying that I have a previous bad relationship with them. I have no such bad relationship with them. They've closed my accounts in the past ruining my credit. They invite me to apply, once I apply they approve then they cancel my cards. I have no idea why they say I have a previous bad relationship. I've always paid my bills on time, never overdrawn my checking accounts.
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2018, I applied for XXXX as I need XXXX XXXX. I was denied with XXXX saying the information provided to them by Transunion caused a denial. 
The inquiry on my report is XXXX. 

When I contacted Transunion, they had no reason for the negative rating. I reviewed my XXXX XXXX   account which shows Transunion dropped my score 22 pts saying high credit card balance. My balances are not high as I typically payoff the balances in full each month. I have no negative rated accounts whatsoever. I have reduced all major debts significantly ( mortgages, student loans, etc as I pay extra each month ). 

I need XXXX and financing.
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CA)

XXXX credit card company is inaccurately reporting payment date. I began a dispute with XXXX on this account but I noticed something today that was left out. The original account has incorrectly listed a payment date. I can only guess that this is a purposeful made with the intent to extend the date of expiration. I have never made any payment to this bogus account and I would like the company to be held liable for this dishonest business practice. It has been inactive since XX/XX/XXXX not XX/XX/XXXX. One phone call to the creditor will verify this. I would also like XXXX to be made aware of this and I can not notify them when there is an open dispute
Consumer complaint received 2017-06-17
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

I contacted  Capital One  on numerous occasions, regarding the issue of unauthorized inquiries from their company on all three of my credit reports. I faxed my first letter dated     XXXX   XXXX   XXXX       and asked them to remove the inquiries and to also forward any documents that showed I agreed to apply for their credit. I did not apply for their credit and I suspect this is a result of fraud.  <P/> They replied with a letter, dated    XXXX   XXXX   XXXX     , which did not address my issue. Instead, their letter explained the different types of inquiries on credit reports. Capital One did not investigate my issue at all.  <P/> I mailed a second letter dated   XXXX   XXXX   XXXX    . Capital One sent a letter back dated   XXXX   XXXX   XXXX    . Not only did they failed again to address my problem, but they sent an exact copy of the first letter. I highly suspect my letter was not looked over by a reputable representative.  <P/> I finally called  Capital One on    XXXX   XXXX   XXXX     and spoke with an agent. They were able to pull up an application with my information. They told me I had to call in the next day since my application was in their " archives, '' and it could take up to  24 hour s to access the info in order to remove the inquiries from my reports.  <P/> I called back   XXXX   XXXX   XXXX    . I was unable to reach anyone since their lines were busy.
Consumer complaint received 2018-08-20
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)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I believe that this account ( s ) is invalid or contains incorrect information. Please validate this account ( s ) in its entirety or remove this entry from my credit report immediately. Thank you. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX   Account Number : XXXX
Consumer complaint received 2018-03-28
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. (FL)

On XX/XX/XXXX I wrote to all 3 credit bureaus and to the creditor directly, XXXX XXXX. The payment status and the comments line are incorrectly reporting a charge-off and an indication that the account was sold to another company.

On JXX/XX/XXXX I received a letter ( see attached ) indicating that my account was in fact sold and that XXXX no longer had any information on my account.

If XXXX  has no information on my account how can they do a legitimate investigation as to whether my account is correctly still shown by then as Charge-off.. ( see attached excerpt from my XX/XX/XXXX report showing that XXXX  is still showing inaccurate and unverifiable information.

I wanted to send a copy of this complaint also to the creditor XXXX but your form did not provide such an opportunity. See the attached letter previously mentioned for correct mailing address.
Consumer complaint received 2018-03-28
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. (MO)

Last XX/XX/XXXX, I called XXXX XXXX to inquire about the due date of my payment. The agent who answered my call told me that I was pre-approved to get a XXXX XXXX XXXX XXXX a XXXX XXXX  and/or a XXXX XXXX. I told him that I already have a card and it might affect my credit report and credit score if I get another card. He informed me that I can get as any additional card from XXXX XXXX without affecting my credit report, since " they are all in the same family '' ( these are his exact words ). I said, okay as long as it will not affect my credit report and credit score. The agent then applied 3 cards, XXXX, XXXX and XXXX. While checking my inbox on my email, I got credit alert from XXXX  on XX/XX/XXXX stating that XXXX XXXX pulled my credit report and my credit score decreased by 2 points. Again, I received credit alerts on XX/XX/XXXX stating that XXXX XXXX pulled my credit report from XXXX and Equifax. Another report was pulled from XXXX on XX/XX/XXXX and my credit score dropped by 9 points. A total of 4 credit reports were taken from the 3 credit bureaus ( 2 from XXXX and 1 report each from XXXX  and Equifax ). How can XXXX XXXX do this? I called XXXX XXXX right away to inform them about what happened to me. I was misled and made to believe that XXXX XXXX would not do a hard inquiry on my credit report. I was deceived and tricked into agreeing to apply for additional credit cards. On XX/XX/XXXX and XXXX, XXXX, I received two letters from XXXX XXXX stating that the XXXX credit bureaus have been instructed to cancel the credit inquiry. XXXX removed the XXXX XXXX XXXX XXXX XXXX, while XXXX  and Equifax still continues to have the credit inquiry of XXXX XXXX in my credit report. I sent letters to XXXX, Equifax and XXXX XXXX to remove and suppress the credit inquiry, but have been unsuccessful. XXXX XXXX sent me another letter dated XX/XX/XXXX. It stated that they are unable to comply with my request to suppress the inquiry in my credit report. That, under the Fair Credit Reporting Act, they have permissible purpose to order and review my credit report when application was submitted. Again, I sent a letter to XXXX XXXX including the conflicting letters I received from them. I feel cheated, taken advantage of and treated unfairly. I am asking for the Consumer Financial Protection Bureau 's help and intervention to solve my problem, since the hard inquiries have given a negative impact on my credit report. Thank you!
Consumer complaint received 2018-03-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Coinbase, Inc. (TX)

Sometime in XX/XX/XXXX I received an email from Coinbase saying they had accidentally double-charged some customers. At the end of XX/XX/XXXX, my credit card noticed that I had bought the same amount of cryptocurrency {$100.00} dollars twice in a span of 4 days in XX/XX/XXXX ( XX/XX/XXXX and XX/XX/XXXX ). My credit card reversed one of the charges, amount reversed was {$100.00}. I received an email from coinbase on XX/XX/XXXX saying that my account was short of {$100.00} dollars. When I tried to login, it asked me to pay the amount, I paid it via my other back account ( not the credit card that rejected it because coinbase had already removed it ). According to my bank statement, they received this XXXX dollars back on XX/XX/XXXX. Yet my account remains frozen ( for buying ) despite several inquiries into the matter. What is worse is that they have also completely shut down my XXXX account, no explanation has been provided for this. XXXX is a sister company of coinbase, I have XXXX dollars deposited in XXXX and I am unable to access this, this despite not owing them any money. After several phone calls and emails, no explanation has been provided for shutting me out of my money. I can not even open XXXX to check if the money is still there, I am completely unable to open my account. This is unacceptable. No explanation and no recourse, just unanswered phone calls and emails.