davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (PA)

XXXX XXXX has a promotion that states " Pay Today : {$250.00} '' It then states " Card statement credit : {$250.00} '' and then underneath " Total after statement credit : {$2.00} ''. However, after speaking to XXXX different people through CITI card I was finally told I could not purchase the ticket today. XXXX of them told me I would have to wait XXXX hours for a temporary credit card number emailed to me and XXXX of the people said I should have seen a link on the online application page for the temp number after I was approved. No one seems to know when this temporary card number is supposed to be given. I did not see a temporary link for a card number once approved on the website and it was not identified this would be the only time I could get a temp card number to purchase a ticket. They then said I must wait XXXX business days for the physical card to purchase the ticket. This does not align with the promotion of " Pay Today : {$250.00} '' since I can't buy a ticket with that credit card that same day. I wouldn't have applied for the card if I knew they wouldn't allow me to purchase the ticket TODAY to get the statement credit later. This now negatively affects my XXXX XXXX by opening a credit card I don't want and is false advertising. I would like to press any legal action against CITI Bank so they do not create false advertising and manipulate people in the future. The representative I spoke to on the phone who confirmed the promotion was wrong and I couldn't purchase a ticket " today '' is ID # XXXX. A recording of the conversation can be requested for XXXX at XXXX XXXX. This promotion is on XXXX XXXX website when purchasing XXXX of their airfare tickets. 

Picture show at the bottom the promotion I explain above
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC. (UT)

On XX/XX/year>, I made a purchase at the merchant XXXX XXXX in XXXX, Wyoming, for a total of {$27.00}. During the transaction, I tapped my card at the first cash register, but the system froze. The cashier then processed my purchase at a second register, and that transaction went through successfully. 

However, when I reviewed my billing statement, I noticed that both transactions had gone through, resulting in a duplicate charge. I immediately returned to the merchant, provided them with all the necessary information, and they acknowledged the duplicate transaction. The merchant informed me that they were unable to issue a refund and advised me to file a dispute with my bank, SoFi.

I followed their instructions and filed a dispute with SoFi. I was provided with provisional credit for the duplicate charge. However, on XX/XX/year>, I received an email from SoFi stating that my dispute had been denied and that they would be withdrawing the provisional credit from my account. No proof or explanation for the denial was provided. I contacted SoFi for clarification, but they informed me that there was nothing further they could do.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NJ)

On XX/XX/XXXX of 2023 I sent Lexis Nexis a letter described as " Method of Verification '' to see who furnished my information about a Bankruptcy without my consent and the culprit was XXXX. I had not given XXXX my consent or permission to furnish any type of personal information. As a consumer I have a right to privacy and the right was violated. This information has also damaged my character, reputation and credit worthiness by not being able to obtain additional lines credit due to this Bankruptcy.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken (NV)

I am compelled to lodge a formal complaint against Kraken due to their continual mishandling of transactions, including a recent incident involving an {$800.00} payment on XX/XX/2024, which was improperly managed and led to significant personal distress and financial inconvenience. 

Detailed Account of Recent Incident : On the specified date, I attempted a transaction of {$800.00}, which my bank, XXXX XXXX, authorized. However, the transaction was never completed due to it being refused, according to Kraken. Despite multiple requests, Kraken has failed to provide a refusal code or sufficient details from their payment processor, only offering a screenshot as alleged proof without context or authentication. 

Additional Concerns : XXXX. Lack of Transparency and Accountability : Kraken has repeatedly failed to provide essential details such as refusal codes, which are critical in resolving transaction disputes. Their unwillingness to disclose this information prevents any possibility of understanding or resolving such disputes transparently. 
XXXX. Misleading Communication : Krakens communication has been minimal and unhelpful, repeatedly failing to address my queries adequately. This pattern of communication has not only wasted extensive time but has also led to unnecessary stress as I spent three hours on the phone with a bank manager trying to resolve an issue that, as it turned out, stemmed from Krakens actions. 
XXXX. Recurring Issues with Transaction Handling : This is not an isolated incident. Kraken frequently leaves card charges idle, even when authorized, allowing them to expire and then processing them days later without timely notification to customers. This practice is unacceptable and indicates a systemic problem with how Kraken manages customer transactions. 

This ongoing issue has tied up {$800.00} of my funds, causing financial strain and considerable distress. The time and effort spent attempting to resolve this, only to discover Krakens culpability, has been exasperating and unacceptable.
Consumer complaint received 2024-02-19
Product: Prepaid card — Gift card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Around XXXX months ago, I referred my a friend to capital one shopping portal amidst an elevated bonus period. He placed XXXX orders and received a {$200.00} bonus. I have provided them a screenshot detailing this to capital one. I have attached that screenshot below, proving they saw fit to reward my referred. 

However, I never received a bonus for referring him in parallel, delivering a customer to their platform. 

I then contacted customer service many times between XX/XX/XXXX and XXXX and was told that I did not meet criteria despite having delivered him to Capital One. They were unable to provide me with specifics as to why, after he received his bonus, I did not qualify for mine. I was unable to speak to both a supervisor and any agent by phone. I contacted executives ( XXXX, XXXX, XXXX, XXXX ) there, as well, on XX/XX/XXXX and have received no response. 

Capital One promised me {$200.00}. I did my part and they have opted out of doing theirs in the interest of improving their bottom line.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

Something on my credit report does not look right and I would like to have the account investigated. I understand that you would investigate for accuracy and i would like the account looked at. could you investigate the account listed for complete accuracy. 

XXXX XXXX, Acct # XXXX
Consumer complaint received 2024-07-08
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX, I purchased XXXX for my daughter for {$4700.00} from XXXX XXXX XXXX, XXXX XXXX, XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. The orthodontist sent me to the financial manager of the facility to help me with a financial plan. 
The dental manager steered me to Care Credit, assuring me I could use their no-interest installment plan. I accepted Care Credits financing and have diligently made monthly payments since XX/XX/XXXX. 
On XX/XX/XXXX, my remaining balance was {$700.00}, indicating that I had paid them XXXX. Since XX/XX/XXXX, I have paid an additional {$1100.00} for a total payout to Care Credit of {$5200.00}. However, I have just been told by Care Credit that on XX/XX/XXXX, without my notice, the balance due increased to {$2600.00} and I have been assessed a 26.99 % annual interest rate and my balance due is now {$2100.00}. 
When I spoke with Care Credits representative earlier today, I was informed that the interest-free period was promotional and lasted only XXXX years, after which interest charges applied. This crucial detail was not communicated to me by the dental manager, who only mentioned the interest-free aspect. In short, I was defrauded into Care Credits financing scheme. 
I would like the CFBP to compel XXXX XXXX XXXX  and their doctors, as well as Care Credit to recognize my debt to them has been fully paid, to refund the overcharges Care Credit has assessed me, to close my account with them without any additional payments from me, and finally, to stop these predatory loans and the deceptive practice of selling them to unsuspecting dental patients.
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

on XX/XX/XXXX, I received a notification regarding a possible fraudulent check. I spoke with customer service at BOA and acknowledged the fraudulent check. Money to return in 2 business days. Customer service said they froze the account because they may try to attempt cashing check again ( for XXXX ). I called the fraud department on XX/XX/XXXX to verify what we needed to do as they suspected they would try again and with my routing and account number compromised, what could we do to protect ourselves. On XX/XX/XXXX, they tried again. The account was frozen ( or so I was told ), however BOA cashed it. Fraud line said they would return the money on XX/XX/XXXX even though the account was frozen and the amount was flagged. Money was not returned on XX/XX/XXXX and the account wasn't frozen ( which my husband was told when he went into branch on XX/XX/XXXX ). Now my money is locked in a claim for up to 90 days to return when THEY didn't freeze the account, or didn't flag that exact amount they cashed ( despite what I was told on the phone ). I spoke with the fraud and customer service depts on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and twice on XX/XX/XXXX, XXXX of which was my husband in a branch where they said nothing was done, despite the phone calls and long discussions. Only the XX/XX/XXXX resulted in " a claim '' after I was told the amount was flagged and the account was frozen
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to file a formal complaint regarding the numerous and unsuccessful attempts I have made to remove fraudulent items from my credit file. These fraudulent entries are severely impacting my financial standing, and I am seeking your immediate assistance to address and rectify this matter. 

I discovered that my credit report issued by Credit Bureaus contained multiple fraudulent entries that are not connected to my financial activities. These fraudulent entries are causing significant damage to my creditworthiness and are a result of identity theft or unauthorized actions. I have made numerous attempts to have these fraudulent items removed from my credit file, but they persist, hindering my access to financial opportunities. 

I kindly request that you take the following actions to address this issue : Conduct a thorough review of the fraudulent items and remove them from my credit file immediately upon confirming their fraudulent nature.

Investigate the origin of these fraudulent items and take necessary steps to ensure that they do not reappear on my credit report.

Provide me with written confirmation once these fraudulent items have been removed from my credit file.

Ensure that no further negative impacts occur on my credit report due to these fraudulent entries.

I understand the seriousness of maintaining accurate credit reporting, and I trust that 3 Credit Bureaus takes these matters seriously and will work diligently to rectify this situation promptly.

Please consider this letter as a formal notice of my complaint. I expect a response within the exact timeframe from the date of this letter. If these fraudulent items are not removed from my credit file and the issues not resolved within this time frame, I may be forced to escalate this matter by seeking legal remedies or contacting the appropriate regulatory authorities. I am asking for your assistance to remove the following fraud items in my credit file : XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX XXXX, XXXX XXXX Balance Owed : {$73.00} ; XXXX XXXX XXXX Balance Owed : {$340.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX XXXX Balance Owed : {$340.00} ; XXXX XXXX XXXX Balance Owed : {$340.00} ; XXXX XXXX  XXXX Balance Owed : {$170.00} ; 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
Consumer complaint received 2024-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Onity Group Inc. (GA)

My complaint is that my home mortgage with PHH Mortgage Services is being transferred to a company that the Better Business Bureau revoked their accreditation and gave a F ( ailing ) rating ( specifically XXXX XXXX XXXX ). I believe that consumers should have a right to prevent transfers to mortgage companies who have violated law enforcement orders regarding their data practices. PHH notified me of the transfer on XX/XX/XXXX24 and stated that the transfer would occur XX/XX/XXXX24 or later. 

XXXX site shows : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX : Government Action : XXXX  reports on known government actions involving business marketplace conduct : Consumer Financial Protection Bureau, vs XXXX XXXX  XXXX XXXX XXXX As of XXXX XXXX, 2023 BBB also shows that : Freedom violated a XXXX  law enforcement order : Freedom was ordered in XXXX to clean up its deficient data practices, but failed to do so. Instead, it continued to provide federal regulators with error-ridden data. 

I phoned PHH Mortgage Services yesterday ( XX/XX/XXXX24 ) morning to try and avoid this transfer ( I do not object to them transferring my mortgage to another mortgager that have decent business practices ). The Customer Service Representative ( XXXX XXXX XXXX informed me that it was the investor that I should make a complaint to and transferred to her supervisor ( XXXX XXXX XXXX ). XXXX promised to email me the investors information to file a complaint with, but I have yet to receive the email.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was notified by another company that my social security number was compromised. I went into all 3 credit reporting agencies to put a freeze on my credit report. XXXX and XXXX were no problem. Trans Union is a disaster. I've tried for 3 days to talk to someone at Trans Union. I just get caught up on hold for hours at a time, click to have someone call me back but no one ever calls back, been online with Bots for 3 hours who just say they are learning and don't know how to help me or they send me to a real person who never materializes, they send they will send me a code to get into the account but no code is sent by mail, text or telephone... NOTHING
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights per 15USC-1681-602-604A SEC 2 : I have a right to privacy thus a consumer report agency can not furnish an account without my written instructions.

In accordance with 15USC 0 1666B : A creditor may not treat a payment/Credit Card account under and open ended consumer plan as late for any purpose. 

XXXX. XXXX {$3400.00} DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX  {$1600.00} XX/XX/XXXX XXXX. XXXX XXXX {$430.00}. XX/XX/XXXX XXXX XXXX. {$3300.00}. XX/XX/XXXX, XX/XX/XXXX XXXX. Barclays Bank Delaware {$8400.00}. Charged off {$6700.00} XXXX XX/XX/XXXX XXXX. XXXX. {$98000.00} Charged off XX/XX/XXXX
Consumer complaint received 2019-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

select portfolio servicicng took over after my bankruptcy in XX/XX/XXXX ... ..trying to do a mortage assist with them since XX/XX/XXXX ... ..recievin different information that was needed by the mortage company ( select port servcing ) Now, XX/XX/XXXX, asking for more paperwork, that submitted in XX/XX/XXXX, again ... ..since XXXX????
Consumer complaint received 2023-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (NM)

got a balance transfer in XXXX. periodically when i pay large sums they post those amounts to the balance transfer rather than the balance running at the regular interest rate. i contacted them in XXXX about it, and they adjusted a couple of the interest charges, but didn't change the proportion of balances at the transfer rate vs not. for my XXXX statement they have again put over XXXX XXXXXXXX of my payments improperly onto the balance transfer rather than my regular purchases. their customer service seems clueless ( repeatedly saying " I hope you understand my limitation '' without actually clarifying their limitation ) unwilling to help, and keeps referring back to " the system does it '' and " that's the policy '' even when they didn't even follow their own policy. as with last time, they offer to refer my complaints to " the team '' but that resulted in nothing. i had to actually pick up the phone to get even the interest charges changed last time, which doesn't address the fact that the wrong balances are getting paid off.
Consumer complaint received 2024-08-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: The Law Offices of Jennifer McCoy, PC (TN)

Please pull the following back logs from compliant. As of XX/XX/XXXX. Law Offices of Jennifer Mccoy had a servicer come to my home to serve me a court date after making attempts online to pay the portion of the debt that was owed and not provided me full details over the Original Creditor and not identifying themselves as first/third party with XXXX. I submitted over a recording of the interaction with XXXX XXXX with Rebel as the Debt Controller. I have asked multiple times for a wet signature along with the break down of the charges from a paragraph that doesn't show what the service charge is for along with products that have been charge. I have a post card as well from certified mail where there is a sense of Urgency that I will provide in Court that has been set for XX/XX/XXXX. Also, XXXX XXXX has allowed a legal fee charge this more than almost 30 percent of the original bill that I believe could be an arbitrary legal fee charge. The other complaint numbers are as follow : XXXX on XX/XX/XXXXXXXX  and another compliant with recording attached with XXXX  at XXXX XXXX with complaint XXXX XX/XX/XXXX. All this is unfair/deceptive and shouldn't of been taken an action as I have tried multiple times to work with all parties as long as they follow guidelines and FDCPA regulations.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (IL)

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.They were not in compliance with Us 1637b I would like this late payment Removed immediately
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

Couple of months ago I found out a bankruptcy on my credit reports dating back to XX/XX/2010 which is falls/fraudulent information. I did report about this to the Federal Trade Commission and have sent all the copies to the credit bureaus with a request to block the fraudulent / incorrect reporting on my credit reports, but they didn't bother to do a proper investigation and they continued to report the incorrect/fraudulent information on my reports.
Consumer complaint received 2024-08-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

i fell for a discord scam. which involved sending {$300.00} dollars usd to them for " verification. '' I stopped before they were able to take {$800.00} usd from me, but now they have my old discord account. their name on paypal was XXXX XXXX ( XXXX ), transaction ID XXXX. i tried to report that it was a problem through official channels, but XXXX XXXX sent it through the " friends and family '' option it closed on me.