davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

We have repeatedly contacted Bank of America and have received zero help. They will not provide a fax number for us to fax in our statement to prove they have unfairly billed us, and refuse to give anything but a mailing address which does not allow us to prove they received something. In addition, they realize the delay is causing my family financial harm and do not care. I have attached the statement where you can see they charged us two {$35.00} overdraft fees when the balance was over XXXX XXXX dollars, then two more on the following Monday where they cleared items in an order to maximize fees to them. They have already settled a suit years ago for this very thing. The remaining is a paste outlining my husbands details of this item. 

Bank of America has refused to resolve overdraft fee issue that is their fault. Reference the attached statement for my account. and you will see they have stolen from me, and also have repeatedly over the course of four days and five reps as well as two supervisors been dishonest. On XXXX/XXXX/XXXX my balance was {$4800.00} On that day I was charged 2 overdraft fees. One was reversed. I should n't have  even been charged an overdraft given my balance was well over the amount required to cover any transactions that day. On XXXX there was a charge for 1 {$0.00}, {$9.00}, {$5000.00} and {$90.00} They overdrafted my account again for the {$90.00} charge, and again for the {$5000.00} dollar charge. If they had put all the other charges through, I would have had only one overdraft fee, which would have been waived. Instead they charged me two overdraft fees on XXXX and two on XXXX/XXXX/XXXX. As a result I will not be able to pay other bills, which will result in approximately {$250.00} dollars in additional late fees for my mortgage and other bills. I have a copy of the printout showing that I am correct, and there should have maybe been one overdraft. The reps have repeatedly been dishonest with me when I can see the statement in front of me. Call me at the phone number I provide in this complaint with a fax number, I will send it to you and show you the statement. Further, their website repeatedly changes as to balances and fees, forcing me to make printouts to have proof, which I do have, and again, contact me, I 'll fax it to you. I also have screen print. These fees need to be reversed and I need to be compensated for my time and financial hardship. I would have made a deposit to cover, however due to the way they displayed my balances I was given zero opportunity. In effect, they did not display pending charges at any point, and instead changed balances at midnight without my knowledge. This is a shockingly overt dishonest way to do business.
Consumer complaint received 2017-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (RI)

I called USAA consumer service on XXXX XXXX XXXX to question the continued interest on a XXXX cash advance and was told nothing could be done to rectify to matter. 

I 'm a veteran and I feel I am being cheated and was misled in regards to the use of a USAA credit Cash advance feature. I took out XXXX as a XXXXash advance in XXXX. I was told that the repayment of the XXXX would be applied first from my monthly payment and that I would have to pay interest on the advance until it was paid off. This is acceptable, but now I 'm find out I have to pay interest on the XXXX until the total credit card balance is paid off. USAA is charging interest on the credit card balance and plus charging interest for a XXXX  cash advance that has been paid in full for the life of the card. DOUBLE INTEREST! 

If USAA disclaimer was made clear, I would not have accepted those terms. Who would? 

They said that they read the terms explaining the interest on the advance continues until the Purchases on the card was paid off, I disagree, it was ( the cash advance ) until advance balance, not the full card balance.
Consumer complaint received 2024-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (AL)

I am writing to dispute a fraudulent account that is being reported by National Credit Adjusters for XXXX XXXX on my credit report. I have no knowledge of this account, and I did not open or authorize it. I believe this account is the result of identity theft. I request that National Credit Adjusters for XXXX XXXX cease reporting this account and remove it from my credit report as soon as possible.
Consumer complaint received 2017-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (GA)

Starting in XXXX of XXXX, Citibank began charging me a penalty interest rate of 29.99 %. 
It is now XXXX XXXX, XXXX and I have never had any notification from Citibank that they have reviewed or made any effort to review my payments being on time. I have just recently become aware of the passage of the Credit Card Accountability, Responsibility and Disclosure, or Credit CARD, Act of 2009. The law seems to require that after 6 payments are made on time, the credit card issuer must review the penalty interest rate and return the interest rate to its original rate. 
I called Citibank customer service on XXXX XXXX XXXX and asked about having the penalty interest rate lowered. The person I spoke with said that I am required to make 6 payments on time AND each of those payments must pay the balance in full. 
Is this correct under the law? 
I then called again on XXXX XXXX, XXXX and the person I spoke with said he had checked with a supervisor and that the interest rate can not be lowered " because of the performance of the account ''. I do not have any idea what that means. That person told me they would send me a letter in 5-7 days explaining. I have not received any letter explaining.
Consumer complaint received 2017-11-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I open a checking account with Bank of America. I had received an bonus offer via mail. I used the allowed option to open account via an internet portal supplied in said offer. The offered had stated stated I 'd receive a {$150.00} bonus after making two qualifying deposits. The bonus would be applied 60 days after completion of the second deposit. As a regular consumer ... My thoughts were any deposit made that 's alerted by there system to me as direct deposit is considered the acceptable qualifying deposit. If it was n't acceptable the system should n't alerts the consumer that a direct deposit was made. The bank associates I talked to state that I did n't make deposits that 's considered direct deposits. This issue could have easily been avoided if their own system was n't sending out misleading alerts and notifications. I politely waited the 60 days to only find out that I technically did n't meet the requirements. I asked for an extension due to their system error. I 'm definitely not trying to get over that why I 1st asked for an extension. I then asked for an exception to be considered and made since it was their systems error and I would have been able to correct beforehand had I not received misleading alerts. I 've called several times and filed multiple complaints. Complaints not fully reviewed or lost or not even really considered. With the supporting documents it would be nice that Bank of America took some accountability for their misleading notification and alert system.
Consumer complaint received 2017-11-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (PA)

XXXX, The amount is {$70.00} I called the utility company and told them there was a reporting error on there end and it was effecting my credit. The utility company told me, it was the credit bureau job to fix it. so I called the credit bureau and it still is showing on my credit even thou the utility company send them a letter stating that, there was no debut and it should be removed. This was going on for XXXX now, I 'm trying to buy a home. It is still on my credit. The credit bureau said there was nothing they can do, but put a zero balance.
Consumer complaint received 2017-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (AZ)

Sampler points XXXX {$2900.00} Down payment : {$0.00} Used three nights so far. 

We purchased a Sampler packageXX/XX/XXXX A Barclaycard was used to make the purchase. The card is only in my name but XXXX and I are both on the purchase agreement. We agreed to this purchase only because we had the agent XXXX XXXX at XXXX XXXX XXXX XXXX XXXX in XXXX. We turned down XXXX XXXX. They brought in a second agent. 
They brought in a third agent, XXXX XXXX, who offered us the Sampler for {$30.00} dollars a month for 18 months and said there would be no down payment required. 
We repeatedly verified with XXXX that we would have NO down payment and would pay only $ XXXX for the 18-month period. The agents specifically asked us, What if it was just {$30.00} a month for 18 months and no down payment. 
This would mean our total purchase would be {$540.00}. They checked boxes on the agreement underneath the {$2900.00} that stated 1. No down payment due and 2. No balance due - so we felt assured this was a promotional package that would cost us only {$30.00} per month for 18 months. 
The first payment of {$30.00} was in XXXX XXXX. I noticed in XXXX XXXX the minimum payment increased from {$30.00} per month to over $ 75 month. 
I contacted Barclaycard. After reviewing the contract they explained no down payment means XXXX was paid in full by XXXX. In other words, it was a loan but no terms were stated. 
My balance is {$2800.00} as of XXXX. 
Because of our personal income and expenses I would have not purchased this product had I known or been informed of the actual terms. 
XXXX XXXX has been issued an Assurance of Discontinuance by the Arizona Attorney General accused of violating Arizonas Consumer Fraud Act. I understand that in Arizona alone there have been over 900 complaints from XXXX members about predatory sales and lending practices. In addition a lawsuit has been filed in federal in Nevada against XXXX for a XXXX dollars. 
This predatory lending needs to stop. I am hoping the Consumer Financial Protection Bureau will help us resolve this situation as I am not able to afford this product after being deceived into buying it.
Consumer complaint received 2017-11-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (NJ)

We ran into problems 2014 when my husband was laid off. Industry did away with XXXX XXXX. We tried to get a loan modification but XXXX XXXX XXXX advised us to go with an interest only Home line of credit. At the time real estate was booming so we were given a much higher loan based on the value at the time. I cant begin to explain the sequence of events that took place after that! My mother was XXXX I couldnt put the house up for sale while she was Ill. I  became XXXX unable to work and so on. XXXX promised to help but only made matters worse! I only wish I understood the importance of paying the mortgage at the time but now it is escalated beyond my capacity. Please please help us Im begging you help us save our home!!!
Consumer complaint received 2017-11-28
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: Bread Financial Holdings, Inc. (NC)

I went into a XXXX location in North Carolina the day that they released a store credit card ( 2014 I believe ) and was told I wouldnt have to make a payment on the card for 6 months by the sales associate if I put my purchase on the card, I could take my time to pay it back and plus I received an extra 10 % discount for using it. The card was through XXXX XXXX. I made an initial purchase of about {$70.00} on the card and thought I had plenty of time to pay it back. I received no notices from comenity regarding missed payments until I owed over {$100.00} in late fees. To sum up the story, I ended up paying nearly {$500.00} for a {$70.00} purchase and took an enormous hit on my credit score. XXXX XXXX uses predatory methods to get credit card applications and their contact methods are shady at best. It is ridiculous to receive over 75 phone calls from blocked numbers in one weekend. I never have and never will answer a call from a  blocked number.
Consumer complaint received 2017-11-28
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. (GA)

On XX/XX/XXXX, I pulled my Equifax credit report and noticed several ( 37 ) unauthorized credit inquiries on the Equifax report and ( 21 ) on the XXXX report. I mailed a multiple inquiry removal letter to both agencies the following day requesting that the inquiries be removed as I did not authorize them. On XX/XX/XXXX, I received a generic letter from both Equifax and XXXX basically stating what inquiries are and what they contain..They failed to remove the inquiries which is why I have decided to file this complaint. I am fully aware of my consumer rights and have every right to dispute inaccurate and unauthorized information on my credit. Please investigate this as quickly as possible as these inquiries are preventing me from obtaining credit with new creditors. Thank you.
Consumer complaint received 2017-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (SC)

Please do not block the name XXXX XXXX because ultimately, this complaint about Barclaycards involves both parties. On XX/X/17 A payment posted to our credit card for XXXX XXXX Plus Membership totaling {$49.00}. The credit card previously did not have a balance but with this was a {$25.00} late fee that we did not understand either. We immediately called the cc company because we have been trying to break our ties with the timeshare pyramid. For about 15 min I tolerated the representative telling me that there was no way she could reverse the charges and how I would have to get in touch with XXXX and find out why those charges were made. REALLY??? How I would have to submit some form regarding a charge dispute that could take up to 45 days. No Way I 'm not paying and if i didnt, I get late charges and interest and who pays that? You do ma'am. After the second demand to let me speak to a manager I finally spoke to XXXX. She too insisted that she could not refund the money. So I informed her that I was aware of the scam that was running between them and XXXX. It starts from the sales pitch when the strongly encourage you to get the c with Barclaycards to take adv of the reward points to use towards maint. fees. You guys work together and when XXXX cant get money from people that refuse to pay another fee for something they ca n't use you guys provide them a way to get it. Then, just like that my money was refunded, the {$25.00} late fee was waived and the acct was closed like we asked. I then asked for documentation that the fees were reversed and that all of it would be forwarded to the fraud department. There /was no way she could provide any documentation.
Consumer complaint received 2017-11-28
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: DISCOVER BANK (FL)

I opened my XXXX saving account in XXXX 2017.They said if I deposit XXXX, I 'll get {$150.00} bonus. But I did n't. I called them, sent them messages. They replied me as below : ''Upon review of your XXXX XXXX account, I see that you have met all of the necessary requirements for the promotion offer of XXXX. Therefore, I have forwarded the information to the appropriate department for research and resolution. '' But today I got a letter saying I did n't meet all of the promotional criteria. That 's it. NO REASON! Just ''did n't meet all of the promotional criteria ''. 
They said the bonus will be credited by XXXX/XXXX/XXXX. But what weird is they failed to give me the statement of XXXX! It 's already XXXX/XXXX/XXXX, but I ca n't view my statement of XXXX! 

I love discover! They offer great deals and cashback for credit card holders. But it 's so frustrating this time! 

I 'll attach some screenshots as proof of my deposit and their response.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
ACCOUNT NAME : 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  these list of accounts has violated my rights. 15 U.S.C 1681 SECTION 602 ( a ) states that I have the right to privacy. 15 U.S.C 1681 SECTION 604 ( a ) SECTION 2. States a consumer reporting agency can not furnish an account without my written consent and instruction. 15 U.S.C 1681 ( c ). ( a ) ( 5 ) SECTION, states that No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions and crimes which antedates the report by 7 years. 15 U.S.C 1681s-2 ( a ) ( 1 ) states that a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2017-11-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TD BANK US HOLDING COMPANY (TX)

XXXX XXXX reorganized in XXXX for financial reasons and my loan was not accessible to maintain online payments and an online request was made to payoff the loan for approximately {$3000.00} via the XXXX XXXX XXXX website. 7 years later, XXXX 's attorney XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX garnished my pay for more than the remaining balance due on the loan totaling {$4400.00} as of pay period endingXX/XX/XXXX. I filed an Exemption with the Court system on XX/XX/XXXX because I am a Single Mother of XXXX children, whose eldest is XXXX XXXX and my income is the only means of support for my children. If XXXX XXXX received a bailout, restructured, making my account inaccessible for payoff, how is it legal for them to gouge in access of the balance due several years later jeopardizing the welfare of my children and negatively impacting my credit?
Consumer complaint received 2024-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Foris DAX, Inc. (CA)

I received 20+ charges each between XXXX and {$60.00} at the same exact time on the same exact day. Not only did this happen on one card but two cards of mine I had previously made purchases at the company, Crypto.com in exchange for crypto, but I did not make these charges. More importantly, none of these were delivered to me the company, as well as one of the managers responded, but failed to respond with receipts, transaction numbers, proof of delivery, etc.. This is sketchy and suspicious because Ive encountered the same situation before with the similar company. Currently one of my banks successfully disputed the transactions and they were resolved for that particular card. ( $ XXXX ). While this took quite awhileit was rwsolved. As for One Bank through XXXX employees, i submitted the disputes almost immediately after charge notifications were received. They have declined to process any of them and fail to provide reasons. This is insane. XXXX been 3 months now, and support wont even acknowledge anymore. I submitted all documents. Dociments from my crypto account showing nothing was deliverednor charged from my end. Upon more investigating these charges were found to correspond directly to pass charges that were declined by the merchant. So the merchant declined the charges due to a glitch, then charge my card at the end of the month that it did delivered what I purchased so Im left with over {$1000.00} in charges from a company that wont respond. Bank who wants to speed the charges the whole thing smells. I dont know where to turn. Ive tried everything.
Consumer complaint received 2024-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (OH)

I received a notice that a mortgage payment to Shellpoint Mortgage had been returned. When I checked my bank, they had no sign of the return. I let the mortgage company know that. they told me I needed proof. My bank provided a screen shot of the payment coming out. I waited weeks for a response and got none. I called again and was told to provide a statement within the timeframe of the return. I did so and then called back to verify that it is sufficient. I was told the screenshot is not, so I asked about the pdf statement from the bank. The operator, XXXX XXXX who identified as a team lead told me that she couldn't provide that information and that a manager would not be there for over a week that could. She then told me that if I didn't pay the previous month 's mortgage by the XXXX it would hit my credit. I have been unable to get response for weeks and not I'm in danger of having my credit affected unless I make a payment with no assurance of where that payment will end up.
Consumer complaint received 2017-11-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (FL)

Spoke with agency today collection person : XXXX XXXX Account open : XXXX XXXX, XXXX Account closed : XXXX XXXX, XXXX cell phone numbers : XXXX / XXXX collection company has account since : XXXX XXXX, XXXX Balance : {$1200.00} called on XXXX XXXX, XXXX - no follow up manager stated I ca n't help you and ca n't send this account back to original creditor