davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-08
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: BARCLAYS BANK DELAWARE (NY)

On XX/XX/2020 I received from Barclays Bank a promotional offer for my XXXX XXXX credit card. ( Email of the offer is attached as a file : ATTENTION : Upload function does not work on your website. ) It offered to transfer up to 90 % of the customer 's available credit line either as a balance transfer or as a deposit directly into the customer 's bank account. 

I subsequently set up a transfer from the card to my checking account on the Barclays/XXXX  XXXX website. 

Shortly after making the transfer, I realized that I had transferred into my non-preferred checking account. 

I called customer service and asked if I could cancel the transfer and re-institute the transfer to my preferred checking account. The customer service representative assured me that that would be no problem. I only had to wait 24 hours to re-do the transfer. I asked several times for her to reconfirm that I could subsequently make the transfer and was assured that it would be no problem after 24 hours elapsed. 

I waited 24 hours and then attempted to make the transfer on the Barclays/XXXX XXXX website but it blocked me from making the offered transaction. 

I called customer service for the account and was told that because I had cancelled the first transfer that the offer was no longer valid. They told me that the customer service representative had given me incorrect information. 

This situation is no fault of my own. If I had known this would be the result I would not have cancelled the initial transfer and let the funds go into my non-preferred checking account. 

Please ask Barclays/XXXX XXXX to correct this unfair situation.
Consumer complaint received 2020-12-08
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: DISCOVER BANK (FL)

This is my second time making a complaint about Discover XXXX Card. I was approved in XX/XX/XXXX and they decided to freeze the account until a copy of my bank statement was sent so finally in XXXX after the wait time was over the card was unblocked. During the time Discover allowed me to have the account I experienced fraudulent transactions who I had explained that my roommate who lived with me from XXXX to XXXX must have been the one who had been using the account and even made a few erroneous payments. Discover XXXX card advertised zero fraudulent liability. I explained what was fraudulent and then they mailed me out new cards. After they were done with the dispute Discover closed my account and there reason for closing was a retaliation against me for disputing the fraud. Why offer your customers 0 % for liability and advertise it if youre going to you yes take the purchases are but then close the accounts I know Credit Attorney grantors have the right to close the account for any reason but during the COVID-19 crisis this is just abuse. Banks like discovered need to remember XXXX and how the government bailed most of them out now the American people are struggling and the banking system could care less.
Consumer complaint received 2020-12-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NC)

I initially refinanced with XXXX XXXX  on XX/XX/2020. During the loan process they added {$2000.00} in closing fees to the mortgage making my LTV ratio 80.29 percent. When I inquired about just paying the closing fees to avoid PMI they added additional fees in the way of point to my loan. Not wanting to restructure my whole mortgage and lose thousands of dollars I told XXXX XXXX  to go ahead and just add the closing costs to the original loan. The services informed me that once the loan was processed I could pay the {$2000.00} in a principal payment to reduce my LTV ratio below 80 percent and have the PMI removed. After completion of the refinance my loan was transferred to WellsFargo. I added that principal payment on XX/XX/2020 prior to my first scheduled payment. I then called WellsFargo to inquire about taking off my PMI. I have received several denial letters from them stating I need my house to be re-appraised. The cost is another XXXX dollars. I think this unfair as my house was just appraised by XXXX XXXX  and the loan is less than 2 months old. I am writing because I am out of options and dont know how to proceed as WellsFargo is being unreasonable.
Consumer complaint received 2016-09-28
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (NC)

I have XXXX complaints, the first is that I believe I was discriminated against, with an XXXX credit score I received an interest rate at 5.64 %. I am unable to disclose the names of individuals in my same situation with a credit score less than mine at 3.88 % and one less than that.. My second complaint is, my daughter had a XXXX in 2015, in an attempt to assist her while she was out of work I agreed to co-sign for a refinance auto loan ( same as above ). The documents were sent with both our names, we completed the forms and sent them back. According to a auto finance rep, there was an error and documents were reset to my home, labeled with where I should sign. My daughter went to trade in this vehicle for a lease and this is when we found put that she was not on the loan contract. We also discovered that this is an issue because I am not on the title or vehicle registration. They told us I just needed to be on her insurance. The dealership could not get title from Wellsfargo, Wellsfargo said that the title is " not perfected ''. We called the original loan company, XXXX XXXX XXXX and they explained that they did not release the title to Wellsfargo, but they will send the title to my daughter. We are confused and hurt. My daughter has not gotten any credit for her excellent payment of the loan, because her name is not listed on the loan docs ( they were originally, she initiated the loan ). We are in a bind and want to know if this is legal. Also they neglected to tell us that this loan was for 72 months at XXXX. My daughter has already payed XXXX for this honda accord as she had it for three years ... Now she 'll be paying XXXX over 6 years for a car that is 5 years old. At the end of the term she will have paid XXXX for a XXXX car. What have they done? 

We called to refinance yesterday and they now say that there is something wrong with my social security number. Well I have had this social security number for XXXX years, It is the same ss # they used to approve the auto loan last year and I have been a customer for over 20 years with wells fargo, so why now is my ss # a problem, again discrimination.
Consumer complaint received 2020-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLIANT CREDIT UNION (CA)

I have a checking and savings account with Alliant Credit Union that I am very happy with. However, this past summer until very recently, due to XXXX XXXX XXXX I was not able to take specific medications for a registered XXXX. This affected me adversely as not being medicated forced me to accidentally overdraw the account and they have put an NSF warning on my account which means they hold my checks for 7 business days and this can sometimes extend to ten regular days. I have never deposited a bad check and until this time I had not had any NSF activity. I have provided medical documentation to corroborate this but the credit union has refused to reduce hold times for checks, but they did tell me verbally that i could call customer service and request that holds be released and that they would be accommodating. Recently, after depositing a bank closure check from another bank for {$400.00} I called customer service to request that the hold be released and I was told they required a letter from the other bank, which I then provided. But I was told it was insufficient. I feel that I am being treated differently possibly due to my XXXX and I feel that the credit union is not being fair to me about this. I have never deposited a bad check, I have provided proof that the check will clear with two separate emails from the third party bank to no avail.I feel that I have provided fair medical documentation that supports my contention that any prior NSF was accidental and the condition that caused it has been remedied by being medicated again. I feel I am being punished for something that was out of my control and i do not think this is fair. I have asked that 'courtesy pay ' be removed as an option going forward. I ask that Alliant once again assess this with my medical documentation and return my account to the state it would have been in had my medication for my XXXX not been suspended, which means removal of NSF warning, reduced or no hold times for checks, and removal of holds on any current pending checks. I do not think Alliant is doing this maliciously, but I do not think they are considering the medical documentation I have provided properly, and therefore, are inadvertently discrimination against me by doing so. I am currently temporarily unemployed and living pay check to pay check so this is causing me great difficulty.
Consumer complaint received 2020-12-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management (NJ)

In XXXX of 2019, I went to the hospital for a XXXXXXXX XXXX XXXX. I was treated and discharged. Months later, I noticed that my credit score significantly dropped and saw a collections on there, specifically from the hospital. XXXX is acting as the debt collection agency. However, I was NEVER contacted by the debt collection company themselves. They have never established a connection with me personally. I was never sent the hospital bill to my current address and especially not sent any notices of debt collection from XXXX themselves. I am speculating they have sent the information to any of my previous address ( es ), since I have lived at two previous locations before my current one.
Consumer complaint received 2016-09-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

This is not a one-time or rare occurrence. As a retiree living on a fixed income, I try very hard to manage my online bill pay accounts from XXXX different banks, without incurring overdraft fees from my Bank of America account. They are gouging their customers with overdraft fees. When I use my online bill pay account with just B of A, their practice is to show my Availabe Balance as staying the same regardless of how many bills I authorize to be paid. This practice incurs multiple overdraft fees if I lose track of my real balance. I have incurred hundreds of dollars in overdraft fees from Bank of America. My XXXX and XXXX XXXX accounts immediately subtract a bill paid from the available funds in real time so I know exactly how much money I have at all times. B of A does not do as these other banks do. I believe B of A does this on purpose to earn as many fees, of {$35.00} each, as they can. Do I purposely authorize bill payments when I know my available balance is XXXX? Of course not. Should I keep better records? Yes, But I sometimes fail to remember the auto drafts for my home, auto, and health insurance companies. Does B of A know when I have direct deposits coming in? Yes they do. Should I close my B of A accounts? You betcha!
Consumer complaint received 2020-12-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (MS)

They started around the first of XXXX. They call saying they are from Discover Card and want to offer a savings rate for paying debts. I have told them I am already on a payment plan with Discover Card. I also tell them not to call again or add me to their do not call list. They continue to call several times a day. When I try to repeat that I am already on a payment plan and not to call again they hang up. They also try calling under another number.
Consumer complaint received 2020-12-08
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: ALLIANT CREDIT UNION (TN)

I am a victim of identity theft. Because of the identity theft I ordered my XXXX report and found the following inquiries that were not authorized by me : Alliant Credit Union XX/XX/2018 XX/XX/2018
Consumer complaint received 2020-12-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paypal Holdings, Inc (CA)

Hello I have sent PayPal all conversations and a video conversation that the person I sold my XXXX account to did receive the product, however PayPal favored in his side and now charging me the {$770.00} and wont give me the banking info or any other info to me I have all the records showing this person ended me a fraud and a scammer and I do not owe the money to Paypal
Consumer complaint received 2016-09-28
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My name is XXXX XXXX and I filed a debit card claim on XXXX/XXXX/2016. On XXXX XXXX I noticed that my driver 's license, credit cards, debit card, social security and pin was stolen from dorm. I also discovered that a substantial amount of money was stolen out of my bank. I immediately notified the authorities. It has been determined that my room and other student 's rooms have been broken into. My money was taken from XXXX while I was in XXXX in class. My professors have testified that I was in class when some of the charges were being done and my swipe card and survellienance cameras also prove that I was not in XXXX at the time and in fact on campus. Bank of America has refused to acknowledge my findings, police reports and statements. My bills are being shut off as we speak and this is my only source of income. I just want my funds back.
Consumer complaint received 2020-12-08
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 (AZ)

Transaction Dispute filed with PayPal : I ordered merchandise from the internet on XX/XX/2020 which was a WiFi Booster, I never got a confirmation via email and the number provided on my card # ending in XXXX isnt reachable. I went on the website and it says its for Charcoal packages, that is not what I ordered I ordered a Wifi booster. So I found out the company is in XXXX somewhere and they are a scam. Can you please refund my card. The transaction is for {$58.00} on XXXX XXXX. I still have not received the merchandise but my debit card company is still charging me. I attempted to dispute it but was declined to receive a permanent credit.
Consumer complaint received 2020-12-08
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. (TX)

I HAVE SEND IT PAPER WORK AFTER PAPER WORK AND THEY WONT REMOVE THESE ACCOUNTS OR INQUIRES OFF MY REPORT THESE ITEMS ARE NOT MINE I HAVE BEEN A VICTUM OF MAJOR ID THEFT ... PLEASE HELP ME GET THESE ITEMS OFF MY REPORT.
Consumer complaint received 2020-12-08
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. (CT)

For the past 2-3 years I have tried to get 4 student loan accounts that should have aged off my report 6 years ago. XXXX XXXX and equifax disputes has always resulted in saying the creditor has deemed the information accurate and therefore will stay on my report, despite all evidence I show otherwise. I have tried disputing with XXXX as that is the company both XXXX  and equifax tells me is the company reporting the items. I filed two complaints against XXXX through CFPB. The second complaint resulted in XXXX reiterating they are not the ones who are reporting, XXXX  is. XXXX also instructed to call the number XXXX, listed on my credit report, for any concerns specifically for the credit reporting in question. That line connects directly to XXXX. I also contacted XXXX and as I have said over and over again, they have checked the national credit bureaus and there zero records of any reporting is being made. I showed them the items in question and they instructed me to contact XXXX. So if XXXX  claims they are not the ones reporting, and XXXX says there are no records of any reporting being made, why are these accounts that are negatively impacting my score still on my report??? Why do both credit bureaus refuse to delete these marks off my credit report if both companies claim they are making no such reports to them. I have contacted XXXX, XXXX, XXXX XXXX, Even XXXX  XXXX XXXX - they all claim they are no records of them ever reporting to credit bureaus.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2020-12-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2024-10-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (GA)

Under law 15 USC 1666 sets forth the reasons for the obligor 's belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX. 
I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.
Consumer complaint received 2020-12-07
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: ERC (NY)

On XX/XX/2020, ENHANCED RECOVERY CO L add a derogatory mark on my credit report per XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ENHANCED RECOVERY CO L has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2018-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

In XXXX, I received a $ XXXX personal loan from USAA that offered a low interest loan to new XXXX XXXX. I paid on time every month however got behind around XX/XX/XXXX however still made small payments ( less than monthly minimum of about {$450.00} ). Without warning or negotiation, my loan was closed or charged off with an approximate balance of $ XXXX in XX/XX/XXXX. I communicated with the collection company USAA has sold my loan to and have made a couple payments. 

My issue is, I had an XXXX card with a $ XXXX limit, {$500.00} balance as of XX/XX/XXXX, also with USAA ; including countless other accounts such as multiple checking, savings, auto insurance, and stocks. I have also paid the XXXX card on time, and was about to pay off in full as I was attempting to clean up my credit. 

XX/XX/XXXX, I discovered USAA had used the Service members Civil Relief Act ( SCRA ) to " credit '' the remaining ~ {$500.00} balance and close the XXXX credit card! Mind you, I have been in the military the entire duration of the utilization of the card and that was never offered to me or explained. When speaking to multiple reps on the phone of USAA, I was told, my XXXX credit card was closed because it was a " business decision '' based on my loan that had recently closed - even though I was never late on that credit card. The USAA representative told me there were forms sent to my account inbox stating the closure of each account. I never received any of those documents. 

I am a fan of USAA and have been a member for close to 10 years. I am attempting to rebuild my credit and can not afford another negative account. I Please help!