davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BB&T CORPORATION (FL)

I was offered via mail checking account promotion by BB & T for XXXX rewards if I had certain amount of direct deposits. The deposits requirement have been met and continue to be deposited. Account was opened back in mid XX/XX/2018. I asked about my rewards and I was told it takes certain amount of time which has been far past at this time. 

The offer code was XXXX sent to me via mail and I have visited the branch as well pertaining to the issue. I also had email conversation with a bank rep few times with no solution as their marketing is still researching it. I sent my first email on XX/XX/2018 after I had visited the branch and not getting the promised contact with the resolution. Got a response on XX/XX/2018 but no solution. I emailed again on XX/XX/2018 and got a response on the same day stating the market marketing is researching it and I will be informed on the status. I have not received any updates since then so I emailed again on XX/XX/2018 and to this day I have no updates on the issue.
Consumer complaint received 2024-03-23
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (FL)

I recently received a Visa gift card for {$100.00}. The expiration date isn't until XX/XX/31. When I tried to go online to XXXX to register it and entered the XXXX digit code on the front of the code, as well as the XXXX digit code on the back, the website said there was an error. When I called the number on the card, an automated voice told me a card could not be found with the information I provided. I attempted this several times. This is the second {$100.00} card I have had this problem with recently. It is a Visa Gift Card issued by U.S. Bank National Association.
Consumer complaint received 2018-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XXXX, I sent in a complaint against Transunion. On XXXX ; I receive a score that has low my credit score. They are saying that the 5 late payment is what is doing it. That is wrong because I was caught up in XXXX and current now for the last four month. My Redin score has been going up send XXXX and now they are saying it doing down due to that. I feel that I am been retaliate cause of my complain in XXXX with theXXXX How can I be going up and now Down for something that happen four month ago. I am current with XXXX and has the receipt to show itLook into them you been over 30 late in giving me an response to file # XXXX investigate plus my update was not suppose to have been until XXXX. Why the XXXX. Secondly, I want all of the there are three closed account that need to be take off XXXX and XXXX it been over 10 years. XXXX need to Showa balance of XXXX paid it off on XXXX. Fact they are 30 Days overupdate me on my complaint.
Consumer complaint received 2023-08-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (CA)

For the last week or so, I have been receiving welcome emails from Chime. I deleted them because I believed them to be a phishing scam. I believed this because I have not opened an account with Chime. 
Today, Saturday, XX/XX/XXXX, I received a Chime ATM card in the mail with a routing and account number. I called the Chime help line and received a recording. It said that it was able to pull up my account from my phone number and asked if I would like a call back or to wait on hold. I opted for the call back. A recorded voiced called me and asked if I wanted to call about my account or another account. There is no way to honestly answer that question without agreeing to ownership of an account I did not open and do not want, so I hung up. 
How do I extricate myself from this fraud?
Consumer complaint received 2018-07-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc. (CA)

I received a preapproved offer in the mail for a personal loan to be used for debt consolidation. I called the number on the letter to apply and was again pre approved. They asked me to send in several documents for identification and income verification purposes ( which I did ). Without any call or explanation they closed my account. This has been very frustrating for me as I am an elderly woman and live in an XXXX XXXX XXXX and have to rely on my daughter to come and help me fill out applications and upload forms. This marketing was very misleading and now it has resulted on a closing of my account with no reason and a hard inquiry on my credit report.
Consumer complaint received 2023-08-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (MO)

On XX/XX/2023 I purchased PayPal PREPAID Mastercard from XXXX in XXXX XXXX. I loaded {$40.00} on at the time of purchase. When I went to activate the card I was told that I was not approved for the card and that I am not able to use the card. I have been dealing with this issue since XXXX, the customer service now just places me on long holds and do not return the phone call. They are rude to me and will not help me in anyway. I have read the cardholder service agreement and there is no reasoning on why I should not be able to activate and use card. it says nothing about being Approved to use card anywhere in the service agreement or advertisement. I want a full refund of the {$40.00} plus the {$2.00} activation FEE in cash. The same way I gave it to them.
Consumer complaint received 2022-03-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Arcadia Holdings, LLC (PA)

I sent Arcadia an Accord and Satisfaction letter in XXXX and also in XXXX along with a {$150.00} money order to settle the debt being showing on my credit report. Along with the check was an agreement that if they cashed the check they agreed to remove the account from my credit report and report that I owe them nothing. I also wrote on the back of the check under the endorsement line the agreement. The check was cashed XX/XX/XXXX and I am still seeing this account reported on my credit report and stating I owe them {$390.00}. They have violated my rights and have violated our agreement.
Consumer complaint received 2022-04-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$4000.00} / XX/XX/2022 XXXX / {$6500.00} / XX/XX/2022
Consumer complaint received 2024-03-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Prosper Marketplace, Inc. (CA)

I took out a loan from this merchant to pay off credit card debt. I paid it off in late XX/XX/year>. Since then, they have debited over {$2500.00} from my account in various installments. When I put a stop payment on, they change the name of their company slightly and run another payment.
Consumer complaint received 2019-01-13
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: AMERICAN EXPRESS COMPANY (GA)

Bank : American Express Issue : False information about Balance Transfer amount while applying credit card I was looking for Balance Transfer of {$20000.00} and as I was already a customer of American Express, I spoke with the balance transfer department. They suggest me to apply American Express Blue card where there is promotion to get 0 % balance transfer for 15 month and If my credit card is approved, they will honor my request to do balance transfer of {$20000.00}. I applied and card got approved. Once I receive my card, I called the customer service and request to do balance transfer of {$20000.00}. I was surprise to see that they can not honor as they max limit of balance transfer for American Express is {$7500.00}. I request to escalate the false promises for {$20000.00} balance transfer and they file the escalation and assured that if it is an issue from customer service, they may consider my request of balance transfer of {$20000.00}. They file the escalation on XX/XX/XXXX After waiting for few days, I called again on XX/XX/XXXX to see any outcome. I spoke to Ms. XXXX ( ID : XXXX ) a supervisor and she told that it was wrong information provided by the customer service representative and they inform the customer service about it but they can not help me to provide more that {$7500.00} and will compensate {$100.00} if I do not report this case to Consumer service department. 

It was such a cheap service by American Express where they misguide the customer with there false promises and try to bribe customer to avoid complain. 

Most of the customer service representative does not know how to convey the balance transfer limit including Ms XXXX who consider to be a supervise and not serious about language confirming the request. 

I would request to take a serious action on American Express so they stop misguiding the customer by providing false promises.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AZ)

My XXXX card is appearing on my credit report but not on the " Personel Finances '' section of my Experian membership. 
I called and a XXXXr named XXXX said I had the wrong information on my credit card. I asked him to hold while I confirmed on my XXXX account that the information was correct. He sounded frustrated and like he wanted to go ... then he hung up on me. I had been on the phone for about XXXX an hour before I finally was able to get a supervisor. 
He never called back. 
When I opened my profile on the XXXX account, my information was correct. So why is it now showing on my finances section? 
I tried to " Connect '' the account manually but the experian system does not recognize XXXX ... the bank for XXXX cards.
Consumer complaint received 2022-03-13
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: Experian Information Solutions Inc. (MD)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in 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 that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

Student Loan had been in " OK '' standing since XX/XX/XXXX As of XX/XX/XXXX,  my account was 90 days past due. I called and corrected the issue, however, that report after six years of " good standing '' dropped my credit score 178 points. That point drop seems excessive after six years of good standing.
Consumer complaint received 2022-07-27
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. (TX)

I am appalled by the ability of the Credit Bureaus to ignore my request of correction on my Credit report despite the multiple letters I have been sending to them. The last letter I sent to the Credit Bureaus was XX/XX/XXXX with complete attachments of my personal information but I see here that the Credit Bureaus have been ignoring my letters. I am submitting this complaint in response to the recent " investigation '' done by the Credit Bureaus. I do not agree with the result they present and I am requesting for the complete accuracy. I am not satisfied that enough was done to truly contact the creditors that report these information on my Credit file. I am submitting this complaint to ask that more information from the Credit Bureaus with regards with the the matter I am disputing. I need the following items in question to be COMPLETELY INVESTIGATED AND CORRECTED FROM ERRONEOUS REPORTING : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1100.00}
Consumer complaint received 2023-09-04
Product: Credit 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 (GA)

Early XX/XX/XXXX I saw a {$4100.00} interest charge on my account, I contacted CareCredit/Synchrony Bank Customer service representative XXXX who said I signed a contract for a " Promotion '' in XXXX to allow a final balloon interest payment of almost {$4100.00}. I requested a copy of this final promotional disclosure. I waited but I never received statements or the charge disclosure outlining the promotion. I faxed this request as well Later in XX/XX/XXXX I called CareCredit again. Spoke to a very rude customer service representative named XXXX. She told me the Doctor who completed the procedure would have a copy of the promotional disclosure I signed, not CareCredit. She informed me the interest on the balloon must be paid in full in two days or additional charges would be assessed to my account. XXXX also instructed me to please stop calling for the same issue. 
I spoke to the Doctor 's office. They said they never offered a " Promotion '' nor have a copy of the promotion disclosure. 

I am XXXX XXXX XXXX and on a fixed income. I would never sign a disclosure with a balloon payment of almost {$4100.00} interest due immediately. 

CareCredit never gave me even the opportunity to decide on the promotion nor explained anything to me at the time of charge at the doctors office. 

I requested a copy of my statements as well as a copy of the signed disclosure from CareCredit/Synchrony Bank XXXX I requested my statements for beginning XXXX to present as well as a signed copy of the " Promotional '' disclosure in XXXX 

This is now my fifth ( 5th ) request for a copy of my statements beginning XXXX to present & a copy of the signed disclosure which discloses the " Promotional '' for services in XXXX. Please note, I had a XXXX balance on my account prior to XXXX. My payments were and are always on time or before the due date. Prior to the Doctor service in XXXX no balance was due.
Consumer complaint received 2022-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX Phone : XXXX RE : PNC Bank Freezing my account for 30 days I was notified on XX/XX/2022, that my account was frozen for suspected scam. I was ask by a friend to accept XXXX funds and then buy bit coin and send it on to her. I have know this person for 4 years and trust her. One of the people that sent funds contacted me and said they had been scammed. I offered to return their money, but she must have filed a complaint. 

The major problem of this situation is the uncaring inhumane policy of PNC Bank. In freezing my account they will not let me access any funds from an ATM. They also will not let me pay my bills such as utilities, taxes, credit cards, and buy medication such as XXXX XXXX until after XX/XX/XXXX. 

I contacted PNC Bank by phone and was told the above and I would just have to wait until XX/XX/XXXX to do anything. They said an investigator would be contacting me but I have not heard from anyone in the last 16 days. Each person I talked to said nothing could be done to unfreeze my account until XX/XX/XXXX and it could even take 90 days. I feel this is totally unfair when I made an honest mistake thinking I was helping someone. I now have {$34.00} in my pocket to last me until XX/XX/XXXX or beyond to buy food, gas, necessities and mediation. I have been out of XXXX XXXX medication for almost a week. 

On Friday, XX/XX/2022, I was told PNC was closing my account. I ask when I would be able to get my funds and the branch manager told me he had no idea. That another department would take care of that. The manager has filed complaints on my behalf but still no one has contacted me. 

I would like to have PNC Bank to remove the freeze on my account since I provided one representative all the information of how this situation came about. I take full responsibility for my mistake and will be glad to make restitution to many one that was harmed in this situation. At this point I would like to have my {$8000.00} plus money as soon as possible since this has become a medical emergency and they do not care about me.
Consumer complaint received 2022-07-27
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: Experian Information Solutions Inc. (TX)

I am appalled by the ability of the Credit Bureaus to ignore my request of correction on my Credit report despite the multiple letters I have been sending to them. The last letter I sent to the Credit Bureaus was XX/XX/XXXX with complete attachments of my personal information but I see here that the Credit Bureaus have been ignoring my letters. I am submitting this complaint in response to the recent " investigation '' done by the Credit Bureaus. I do not agree with the result they present and I am requesting for the complete accuracy. I am not satisfied that enough was done to truly contact the creditors that report these information on my Credit file. I am submitting this complaint to ask that more information from the Credit Bureaus with regards with the the matter I am disputing. I need the following items in question to be COMPLETELY INVESTIGATED AND CORRECTED FROM ERRONEOUS REPORTING : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1100.00}
Consumer complaint received 2022-07-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX XXXX Case Fraud number : XXXX Bank of America Fraud Case number : Claim # XXXX and Claim # XXXX I was involved ( the buyer ) in a real estate transaction where XXXX XXXX called my title company and said they wouldn't release the funds to the seller because they were running a deed fraud scam and the name on the account did not match the account number. Today has marked 7 weeks. This was not able to be recorded obviously because it was flagged as fraud. A wire recall was supposedly requested by Bank of America as requested by XXXX XXXX over 6 weeks ago. I cant get any information at all. The title insurance wont pay out because its fraud and XXXX XXXX said theyd return the funds. Bank of America won't answer any questions regarding this case either. Both are pointing the finger and saying the other bank isn't responding. If XXXX XXXX is looking to make sure the case was fraud before returning the funds my title company sent hold harmless over two weeks ago, but also if you need proof that it is fraudulent ( and it's the first thing I noticed that the title company should have caught ) is that the notary stamp on page 6 ( below ) you can look up commission ID 's on Pennsylvania 's department of State website and can see that the name does not match the commission number. If you call the notary with this commission number ( her number is in the department of state directory ) she confirms she did not notarize this transaction. The Driver 's license provided as ID to the closer the DL number does not exist according to the records. I can't get any answers from anyone on this they keep telling me to speak to my bank, but my bank has said XXXX XXXX and Bank of America aren't responding. Thank you for your attention to this matter, XXXX XXXX ( XXXX XXXX XXXX XXXX )
Consumer complaint received 2019-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

This is the worst company they find ways to make you late to charge fees and ruin your credit. I had XXXX but I contacted company and they assured me that they will work out a payment arrangement to avoid me from being late. They lied they then said I could establish a automatic pay out of my checking account to avoid late fees and late report. I want to close this account but don't want this bad history on my credit report. This is the only card that I have that are very misleading to their customers. I just don't want this visa card anymore because this is the worst credit card to have.
Consumer complaint received 2022-07-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I lost my wallet with state id and social security card in side I recently start trying to fix my credit and I see that Im not able to open a bank account for a fraudulent account open under my name XXXX with Bank of America and also other I havent been able to have my own bank account in years because of this .. please can I receive some help or steps to clear this off my name I even reported to irs because someone filed taxes in my name on XXXX