davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I opened a new account XX/XX/2016 on a Saturday with Bank of America. The account representative used misinformation to fraudulently and deceptively sale me the idea of opening the account that day. At the time of the {$10000.00} deposit I inquired about the availability of the funds then asked if there would be ANY funds made available. She told me not to worry because {$200.00} would be made available to me that same day after I mentioned that I needed to pay a credit card bill and provide an earnest down payment to a personal seller of a vehicle that I desired to purchase. The arrangement for a small cash payment would be a security deposit while the remainder of the funds cleared. I told the account representative who opened the account that I would just open the account at XXXX XXXX if there would be an issue with providing at least {$200.00} that same day. She again told me not to worry then escorted me to the teller to complete the processing activation of the temporary debit card. The teller then restated that the {$200.00} would be made available the same day on XXXX XXXX that Saturday. To my shocking surprise, I was not able to make a withdrawal until the following Tuesday XXXX XXXX. Unacceptable. I doubt Bank of America makes it a point to train employees to blatantly lie in order to open new accounts with {$10000.00} check deposits. 

I suffered an XXXX due to the fraudulent and deceptive unfair trade practice. I have a XXXX of XXXX & XXXX XXXX XXXX. My symptoms were aggravated as a result of the misinformation causing personal injury.
Consumer complaint received 2024-10-11
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. (FL)

I have previously submitted disputes to the major credit bureaus regarding multiple fraudulent accounts that were reported on my credit file. These accounts are as follows : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number XXXX XXXX These accounts were disputed on the grounds of identity theft following a widespread data breach impacting millions of consumers. Despite my efforts to correct these inaccuracies through disputes under Section 1681i of the Fair Credit Reporting Act ( FCRA ), the responses from the credit bureaus have been unsatisfactory. The fraudulent accounts have not been removed, impacting my credit score and causing significant financial and emotional distress. 

I have attached all relevant correspondence with the credit bureaus, including my dispute letters and the supporting documentation provided to prove my identity and to substantiate the claim of fraud. 

This unresolved issue has compelled me to seek intervention from the Consumer Financial Protection Bureau to ensure a just resolution.
Consumer complaint received 2016-08-23
Product: Credit card — 
Issue: Transaction issue — 
Company: BBVA FINANCIAL CORPORATION (AZ)

I had {$11000.00}. transferred to my credit card with Compass Bank, as a credit overage. On XXXX XXXX, 2016 I requested {$10000.00}. be mailed to me. As of XX/XX/XXXX the money had not been revcd. I called & was told they would do something better and transferred it to my checking acct - ( approx. within 3 days ) - On XX/XX/XXXX still not recvd. Talked to a supervisor who was not very helpful as to my urgency, but said it would be in my acct the next day which would have been a Saturday, and I questioned that. Well today is Tuesday XX/XX/XXXX and the money is still not in my chck acct. I feel at this point they have made me incur some addtl charges on money I had to pay a worker ( {$56.00} ), ATM fee to XXXX ( XXXX ) to withdraw {$400.00} on XX/XX/XXXX, and a late fee on my water bill ( not yet known, but maybe about {$2.00}. I feel they should reimburse me for these expenses which were incurred to their not returning my money, and maybe even pay me interest same as they would have charged had it been a debit. Also some kind of reprimand so this does not happen to anyone else. Thank you very much.
Consumer complaint received 2017-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (CA)

Most recent report of inability to use past payment activity feature of online account management occurred on  XXXX / XXXX /  XXXX  . I requested a past payment activity report of ( 2 ) YTD.
Consumer complaint received 2017-06-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (GA)

MEDICAL DATA SYSTEMS INC is t rying to collect a medical debt amount of {$520.00} and they have placed the debt on my credit report. I had a procedure done a  XXXX   XXXX   XXXX  and I have medical insurance and paid my deductible as well as a bill that arrived at my home. On  XXXX   XXXX ,    2017  I checked my credit report and see that MEDICAL DATA SY STEMS INC is trying to collect a debt I do not owe and they have placed this information on my credit report.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I just look at my credit report with Experian on XX/XX/XXXX. I identified some hard inquires that did not have permissible purpose according to the Fair Credit Reporting Act. Anything furnished on my consumer report must permissible purpose according to15 USC 1681b. I have also attached evidence. 


XXXX. [ XXXX XXXX XXXX XXXX, XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX XXXX XXXX XXXXXXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. [ XXXX XXXX XXXX XXXX, XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. [ XXXX XXXX XXXX, XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. [ XXXXXXXX XXXX XXXX  XXXX, XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b.
Consumer complaint received 2017-06-14
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. (MO)

I have reached out several times to the court and each credit agency. I tried not to mail sensitive information and I think sending it this was is much safer. The chapter  XXXX  bankruptcy reporting on my credit report does not reflect my correct date of birth. The date of birth on the reports is  XXXX / XXXX /  XXXX   and my date of birth is  XXXX / XXXX /  XXXX  . I have now included my actual live birth certificate as well as my social security card.
Consumer complaint received 2017-06-14
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. (IL)

XXXX   XXXX  had a note with  XXXX , the balloon payment was coming due  XXXX   XXXX ,   XXXX  .  XXXX   XXXX  contacted  XXXX  in  XXXX  of   XXXX  .  XXXX  advised  XXXX   XXXX  to continue making his monthly payment and  XXXX  would work with him on getting the balloon payment refinanced.      XXXX   XXXX  continued to send in his monthly payments and work with  XXXX  on a refinance.  XXXX   XXXX  made payments in  XXXX ,  XXXX ,  XXXX , and  XXXX . In  XXXX ,  XXXX  returned the  XXXX  and  XXXX  payment and advised  XXXX   XXXX  that he was in default and  XXXX  would no longer accept additional payments.      XXXX   XXXX  was ultimately able to pay off the balloon payment in  XXXX  but  XXXX  continues to report to the Credit agencies that  XXXX   XXXX  failed to make his  XXXX ,  XXXX  and  XXXX  payments. This is making him in excess of 120 delinquent, even though  XXXX   XXXX  made the payments.     We contacted  XXXX  and attempted to resolve but they are stating that he was in default because he did not make the balloon payment. However,  XXXX  made an oral agreement to accept the payments and then accepted some of the payments but is reporting  XXXX   XXXX  did not make a payment in  XXXX  when he did make the payment and  XXXX  accepted the payment.  XXXX  is also reporting  XXXX  and  XXXX  payments not made when they were made, but returned.     We have disputed the information with  XXXX ,  XXXX ,  XXXX , and Equifax.  XXXX  continues to insist that the credit reporting is correct, despite having received payments in  XXXX ,  XXXX  and  XXXX .      XXXX   XXXX  has been denied credit because of the negative reporting.
Consumer complaint received 2018-04-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (IN)

I received this email at XXXX  on Tuesday, XX/XX/2018. I called the Customer Service number as instructed. I know it was early in the morning, but regardless of what time this number is called there is no option to speak to a person unless you go through a fraud claim and continually not push buttons so it will send you to a real person. Even if you get to an actual person, youre often disconnected when they try to transfer you to the correct department. This makes the caller have to go through the entire process all over again. There was no option for me to leave amessage, no number to text, or email address to message about this issue of a card being activated that was not me. Its an inconvenience to have to report card stolen or lost and then have to wait 7 to 10 business days to receive a new card with a new deposit on it. I am XXXX and I dont have time to mess with these unprofessional behaviors. There should be a way I can talk to a real person to find out what the situation is and if I do have to close this credit card number and receive a new card, get the process expedited.
Consumer complaint received 2017-06-14
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL (VA)

I was  denied a Synchrony BP Gas ca rd in  XXXX   XXXX . I applied a second time and they pulled multiple credit reports against my credit, The fraud department removed  XXXX  inquiry but would n't remove the other inquiries from  XXXX  and  XXXX  credi t Reports. Synchrony Bank had all   XXXX   credit bureaus notified that I committed fraud by applying for BP credit account. How can I commit fraud when it was me the consumer applying for credit? I still have fraud alerts on my credit reports with   XXXX   XXXX   XXXX   XXXX   to this day all because I asked them to remove those excessive credit pulls! It gets even better now that I provided some history with applying for BP Card with Synchrony Bank. Received an preapproval for BP Gas card via em ail around  XXXX   XXXX . Like a fool I applied again since I was preapproved. I ended up again getting declined. It gets even better. I received an letter from Synchrony Bank dated  XXXX   XXXX ,  XXXX . This letter stated that I was declined in error for BP Gas card I applied for back in  XXXX   XXXX . There was an attached letter stating all I had to do was sign the letter and send it in and I would received the card as long as it was sent in 30 days. I mailed letter twice because there was  XXXX  different post office box address for  XXXX  Florida where I was suppose to return the signed letter in order to receive my BP Gas Card, I have been a customer with this bank for many years. I currently  have a Walmart, Amazon and American Outfitters accounts with this bank, I find this banks behavior totally unprofessional and will be filing additional complaints.
Consumer complaint received 2024-10-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (FL)

Subject : Incorrect Reporting of Debt Collecti

on by Aargon Agency Inc. in Violation of FCRA/FDCPA Description of the issue : I am submitting this complaint concerning the improper reporting of a collection account from Aargon Agency Inc. on my credit report. I have disputed this debt several times through both the credit reporting agencies and directly with Aargon Agency Inc. without resolution. Despite my disputes, Aargon Agency Inc. continues to report the debt inaccurately. Below are the account details from my most recent credit reports f
rom XXXX and other sources : Original Creditor : XXXX XXXX XXXX XXXX XXXX. 

Account Balance : {$390.00} Date Opened : XX/XX/year> Date Last Reported : XX/XX/year> Status : Open Collection Account, Past Due Amount : {$390.00} Even after I disputed this debt multiple times, Aargon Agency Inc. failed to provide proper validation and continues to report the account incorrectly.

Details of the dispute : 1. Incomplete Debt Validation : Aargon Agency Inc. provided a debt validation letter, but the letter lacked sufficient documentation proving that the debt is valid or belongs to me. The documents provided did not explain how the debt amount was calculated and failed to include the original signed contract from the original creditor, XXXX XXXX XXXX XXXX XXXX. 



XXXX. Inconsistent and Inaccurate Reporting : The details reported by Aargon Agency Inc. are inconsistent across credit reporting agencies. There are discrepancies in the reported dates and amounts that show a failure to ensure accurate information. This violates the Fair Credit Reporting Act ( FCRA ) requirement for accurate and fair reporting. 



XXXX. Failure to Conduct a Reasonable Investigation : Under the FCRA, data furnishers such as Aargon Agency Inc. are required to investigate consumer disputes properly. Despite my multiple disputes, no reasonable investigation appears to have taken place. The account continues to be reported without corrections or explanations for the discrepancies, violating my rights under the FCRA. 



4. Negative Impact on My Creditworthiness : The erroneous collection account has significantly impacted my credit score and financial opportunities. The continued presence of this account on my report has caused undue harm to my creditworthiness, which is particularly concerning given the unresolved nature of this debt.
Consumer complaint received 2024-10-10
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)

I am disputing the inclusion of incorrect personal information on my credit report. The following details are not related to me, and I have no connection to them. I kindly request that this information be promptly removed from my credit report. 


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 2017-06-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (MN)

US Bank in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX  LOCKED my XXXX Pension Plan. XXXX  Electronic Deposit XXXX Pension Plan {$2500.00}.
<P/>
Please investigate as the sane " HOLD PATTERN '' has developed involving our Bank account and our daughters separate Bank account ( XXXX XXXX ) at the US Bank in XXXX XXXX Wi.
<P/>
Problem : We treated our family to Dinner at XXXX XXXX my Visa Card and My Wife 's Visa Card were DECLINED! We called the US Bank Main Headquarters and they said that they could n't HELP us at that time ... needless to say we were embarrassed while waiters, waitresses circled us and customers ogled us until we figured out a way to pay the bill in cash!!.
<P/>
We talked to the US Bank Manager on XXXX XXXX ... she said something to the effect, " it was on hold for a short time like ... no big deal '' [ A very SUPERIOR acting Person and Arrogant at the same time ] It is a Big Deal ... We trust the Bank to be professional when we trust them with our hard earned money ... we do n't trust US Bank anymore!! USB needs a better training training program on handling money and interacting with customers!! ... FINANCIAL MISTAKES are unacceptable.
<P/>
It makes me wonder if US Bank is a little short on cash??
<P/>
My wife and I are both XXXX and Elderly ... now we 'll have to travel an extra 20 Miles to do business at a more friendly US Bank .... is this, " Financial Elder Abuse or Racial Abuse ''.??
<P/>
Strike out racial abuse from comment. I was very upset at the time and didnt mean to say that.
Consumer complaint received 2016-08-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AmerAssist A/R Solutions, Inc. (PA)

They are trying to collect a debt that is my mother not mine. 

I have called them since XXXX to supply me the details for the debt and every month they state that they did n't get a response from the person they are collecting. 

The debt is co-payment for my mother drugs from a XXXX XXXX that missed billed her and I told them that they missed billed. 

I have the invoices that they are trying to collect it is clearly for my mother and nothing to do with me. I think if they ca n't show how this debt is mine after 60 days then they should know they are in the wrong. 

The woman from the collector told me that they do n't care and it is my debt.
Consumer complaint received 2016-08-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

I have sent financials and request for modification to my mortgage co. SPS Several time over the last 2 years. Select Port Folio has been rude and not willing to help me. I want to keep my house. I received a letter from XXXX XXXX XXXX stating that my property will be sold XXXX XXXX, 2016. The property foreclosure letter was received 15 days prior to the property foreclosure sale. See Attachments In Tennessee it is the law notice of property foreclosure sale has to be sent to the Homeowner 30 days prior to the sale They have the paper work to modify my mortgage. Please HELP
Consumer complaint received 2016-08-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (GA)

Due to an extreme hardship & divorce I fell behind with the mortgage. Caliber Home Loans who has just recently purchased my home from XXXX XXXX has a foreclosure and sale date of XXXX XXXX on my home even though I was working with their loss mitigation Dept to try to modify the payment they accelerated the foreclosure and I have n't even been given the chance to work out options with them. I have n't even been given options! I received the application & a letter of approval to submit a modification application from them dated XX/XX/XXXX then got a letter dated XX/XX/XXXX that my application was denied cause I did n't turn in documents. Really a day later. That seems deceptive & misleading if you ask me. And they are n't honoring the chance I was given to Try to modify before I got the accelerated foreclosure letter from attorney sent XX/XX/XXXX. I had already turned in an application because I did n't wait for the one dated XX/XX/XXXX to come in the mail, I printed one off their website. But now the sale date is so close & I am still trying to modify. It 's a race against the clock & see which comes first. But they are dragging their heels. I turned in all documents they requested. And everytime I call to make sure they got it I 'm told I need to send something else!! And it takes up to 5 days for them to upload it.
Consumer complaint received 2016-08-23
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is requiring that I default on my loan for two months before they will consider a loan modification. One of the reason I was denied in the past is because I have not missed payments on loan. At the present moment, I am getting assistance from someone else to help pay my loans so it does n't default. I do not feel it is fair to require a customer to default on their loan payments before they can be given a loan modification.
Consumer complaint received 2016-08-23
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is requiring that I default on my loan for two months before they will consider a loan modification. XXXX of the reason I was denied in the past is because I have not missed payments on loan. At the present moment, I am getting assistance from someone else to help pay my loans so it does n't default. I do not feel it is fair to require a customer to default on their loan payments before they can be given a loan modification.
Consumer complaint received 2016-08-23
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Harpeth Financial Services, LLC (TN)

Got a loan at Advance XXXX in XXXX, TN. was under the impression like every place you go you get a one time fee not a fee everytime you make a payment, been paying on this loan since XX/XX/2016 and has not got down not even a couple hundred have been paying {$200.00} e/o week and statements show i pay a customary fee of {$170.00} each time this is ridiculous how can they do business this way I 've paid more of customary fees than interest at this point, I also asked them about the installment loan which i thought that is what i got into looks like they did n't even do what I requested because they are just out to get people that dont know any better, I 've never had this happen to me before its really ridiculous that I owe more than what I actually borrowed 4 months later
Consumer complaint received 2016-08-23
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY (FL)

My Wells Fargo credit card was a promotional interest rate card ( deferred interest ) where no interest would be incurred if the balance was paid in full within 12 months. I missed the expiration date of the promotion period on the statement as it was on the second page of the statement. I understand from a question and answer segment on your website " Your credit card company must tell you the date by which you must pay off your balance to avoid being charged deferred interest. That information must appear on the front page of your bill. '' I was charged almost {$600.00} of interest at a 28 % annual rate.