davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (WI)

While attending XXXX I began with a guest pass, but after using up the days of it I transitioned to a $ XXXX membership that was used for weight training. For nearly 2 months I went into the gym 4-5 days a week at about XXXX checking in at the desk each and everyday. Until XXXX day I tried to sign in and they said that they didn't have a card on file for me. When I asked how is that possible if I've been checking in for weeks, being charged, and NEVER stopped by anyone they had no explanation and gave me a number to call. The number was no help, so after nobody having answers for this weird situation I stopped attending the gym. Fast forward a couple months later and there's no a collections balance. Either A staffing did a terrible job or B something funny happened within the system on their end, because I was never stopped and being charged monthly. To top it all off nobody could give me an explanation on what I was paying, why I'm paying it, how this happened, or how I know it won't happen again. This is ridiculous.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A. (NY)

This relationship of fraud pertains to PNC Bank and XXXX XXXX  services. On or around XX/XX/XXXX XXXX XXXX XXXX XXXX did contact Stripe support to cancel a subscription. I specifically and explicitly made clear that there were some type of internal fraud issues with Stripe giving rise to the subscription termination issue. Stripe did not terminate the subscription despite confirmation that they would do so. On or around XX/XX/XXXX, after noticing that XXXX was still fraudulently making debits or attempting to make debits from my personal PNC bank checking account I contacted Stripe again to address the extremely egregious acts of fraud knowing that XXXX was previously instructed to terminate the subscription and to stop debiting my personal PNC bank account. Stripe did not do so. As of today XX/XX/XXXX, XXXX is still engaging in extremely fragrant fraud, likely embezzlement of epic proportions with are not only civilly egregious by also of a criminal nature. This behavior of XXXX  must be addressed.
Consumer complaint received 2024-10-02
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: NAVY FEDERAL CREDIT UNION (IN)

On XX/XX/year>2024 a representative at Navy Federal Credit fraudulently and without my permission attempted to withdraw XXXX out of my XXXX  XXXX XXXX account. I noticed the Fraud on XX/XX/XXXX of 2024 and contacted Navy Federal Immediately. Navy Federal did not want to admit that their employee took funds out of my account but agreed to reverse the fraudulent activity and return the funds. On XX/XX/scrub> 2024 Navy federal was paid XXXX out of my XXXX  XXXX XXXX account for my personal loan. That transaction was done with my permission however Navy Federal did not take the money and apply it to my personal loan. I never authorize Navy Federal to take any money out of my account except to pay on my personal loan. I requested for at least 15-20 XXXX  to call me back and not one have. Navy Federal is in Violation of the Fair Credit Reporting Act and I need you all to help me stop this unfair debt collection practices
Consumer complaint received 2024-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: PNC Bank N.A. (MA)

I received correspondence from PNC Bank Executive Client Relations. They sent me a letter in XXXX. They marked the letter with the wrong date : XX/XX/XXXX. 

PNC Bank and XXXX refuse to acknowledge a payment history of {$6600.00}. They stated " we have no knowledge of {$6000.00} payment. '' I told them that more than XXXX XXXX  dollars have been paid to XXXXPNC Bank collaborative . 

XXXX XXXX  said that they erased all the accounting history from previous loans, and have data for the only remaining loan. 

They wrote : " PNC reviewed your assertions in this matter and determined that XXXX has no record of receiving a {$6000.00} payment. If you have proof of a payment that has not been credited to the Loans, pleasecontact XXXX at XXXX. '' This is financial misconduct by PNC Bank. I understand they get tired and frustrated because of multiple calls by consumer for this issue. The CFPB complaint was : XXXX. 

I am attaching a picture from XXXX, showing that I paid a principal balance of {$5000.00}. And total interest paid : {$1300.00}. The total payment is {$6000.00} plus dollars. 


I am attaching the financial misconduct document from PNC Bank, showing they responded on XXXX, from a letter from XXXX, saying I still owe money. The outdated letter cam from XXXX XXXX. 

Please provide certification of a total payment of {$6600.00} to XXXX as of todays present date. And please provide a letter showing all the interest that has been accumulated over the lifetime of this loan. The correspondence had computer viruses, which is felony computer hacking, under USC Criminal Code.
Consumer complaint received 2024-10-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (CA)

I have an auto loan through Westlake Financial and I recently noticed that for atleast the last few months of 2023, my payments were not going towards the principal balance. They didnt apply payments to the balance but applied interest to it and my loan amount never decreased during those months. I've tried calling several times and it's difficult to get a live person on the phone. When I do, they transfer me around and I always get sent back to an automated call or hung up on. I have the statement for proof. They refuse to speak to me about this matter and get it resolved.
Consumer complaint received 2024-10-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

XX/XX/2024 I woke up to money out my XXXX  account a total of {$800.00}. I never be served any paperwork or court orders. I called the collection company and politely ask them Will you verify that the information reported is 100 % accurate and that you can fully verify it. Otherwise will you please remove from my credit?
Consumer complaint received 2016-05-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (MI)

I was looking to open a new bank account so I could save for specific things in different accounts. I XXXX good banks with promotional offers now, because I figured if I was going to open a new account I might as well get extra money to kick start my saving! I found two reputable banks with good promotional offers that I could meet the requirements. One of these was PNC. They offered a {$400.00} bonus for opening a checking account and making direct deposits plus paying a bill online. It sounded good, but I wanted to check that I met requirements so I called a rep who assured me I did, and to apply through the link. I met the requirements within 60 days and even did a web chat with a representative to check I met the requirements. When I still did n't get the bonus I called and they said they had no record of this offer on my account and to take a printed copy of the offer to the bank in person. I did this and the manager of the branch submitted an escalation request because she confirmed I had the offer in-hand and met the requirements. The escalation was denied, because they said this was for existing PNC customers, and this was my first PNC account. I can understand this ; however, what I can not understand is that I called/web chatted/went in person not one, but 3 different times to ensure that I 1 ) met requirements prior to opening account 2 ) met the direct deposit and bill pay requirements after account was opened and requirements met 3 ) took offer into the bank who again confirmed I met the requirements and met the offer and read through offer multiple times. If 3 of your staff members assured me that I met all requirements, then I do n't understand how you ca n't honor the bonus payment. Also, I recommend you retrain staff on requirements.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: I.C. System, Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear I C SYSTEM, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri state identity theft and credit reporting laws, specifically Section 570.223 of the Missouri Revised Statutes. 

It has unequivocally come to my attention that I C SYSTEM has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consumers consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouris identity theft statutes, particularly Section 570.223, criminalize the unauthorized use of personal identifying information, including the illegal access, use, or dissemination of personal data for fraudulent purposes. This includes unauthorized credit reporting that impacts a consumers financial standing. 

I assert with unwavering certainty that I have not provided consent for I C SYSTEM to report any information to my credit report. This undeniable lack of explicit permission constitutes a clear violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and Missouri state laws. 

I demand, with the utmost certainty, that I C SYSTEM immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state law under Section 570.223. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Missouris identity theft statutes. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that I C SYSTEM will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2016-09-28
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I contacted Capital One on XXXX/XXXX/16 to settle my account which was past due. I informed them that I could pay my balance if they could remove some past due fees in order to keep the account current and active. I mentioned that I had problems paying because I was recently laid off. They agreed and I paid my full balance. 

However, they did n't inform me that my account was already closed and that there was no way to re-open it. Had I known this, I 'd have agreed to a payment plan instead. I relied on my Capital One account to be active and in good standing since I was still recovering financially. Now, I have a closed account that only reflects my past due balance on my credit report. Plus, they refuse to open a new account with me even if I agreed to another security deposit.
Consumer complaint received 2024-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I recently discovered that my identity has been compromised, leading to the fraudulent creation of XXXX accounts in my name. These accounts were opened without my knowledge or consent, and I have no association with them. I became aware of this identity theft after noticing unusual activity on my credit report and receiving communications regarding accounts I did not open. 
I am taking the necessary steps to address this issue, including reporting the theft to the FTC, contacting the companies involved, and taking measures to protect my personal information from further misuse.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

I sent an initial complaint dated XX/XX/2024 with the inaccuracies that are being reported differently across XXXX, XXXX and XXXX. They ( JPMCB ) received that letter with certified returned receipt on XX/XX/2024. Their response was a " canned '' response that all is well and they are reporting EVERYTHING accurately. A second letter was sent today ( XX/XX/2024 ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.
Consumer complaint received 2024-09-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: ATLANTIC UNION BANKSHARES CORPORATION (VA)

Name : XXXX XXXX XXXX ; Address : XXXX XXXX XXXX XXXX, XXXX VA XXXX ; Phone Number : XXXX ; Email : XXXX ; Mortgage Servicer : Atlantic Union Bank ; Loan Number : XXXX ; Date : XX/XX/XXXX ; Subject : Complaint Regarding Unjust Late Fee Due to AutoPay Issue ; To Whom It May Concern, I am writing to file a formal complaint against Atlantic Union Bank regarding an unjust late fees that were charged to my mortgage account. Despite having autopay set up, I was recently charged a late fee because my mortgage payment amount changed, and the autopay amount was not automatically adjusted. Details of the Issue : 1. Autopay Setup : I set up autopay for my mortgage payments through the online portal provided by Atlantic Union Bank. The online form I was instructed to fill out auto-populated the amount of my mortgage payment at that time, which I authorized for automatic withdrawal each month. 2. Escrow Adjustment and Payment Change : On XX/XX/XXXX, my mortgage payment amount changed due to an adjustment in my escrow account. While this change was communicated to me by Atlantic Union Bank, the autopay amount was not updated automatically to reflect the new payment amount. 3. Servicers Position : When I contacted Atlantic Union Bank regarding the late fee, they stated that I had only authorized the original mortgage amount to be deducted and that I was responsible for manually adjusting the autopay amount whenever there is a change. This expectation was neither made clear when I set up autopay, nor does it seem reasonable given the autopay system was set up to handle payments automatically. 4. Late Fee Charged : Due to the unadjusted autopay amount, my payment was considered insufficient, and I have been charged monthly late fees of {$260.00}, e.g., on XX/XX/XXXX, XX/XX/XXXX. 5. Communication with Servicer : Despite my explanation and the fact that I relied on their autopay system to ensure timely payments, Atlantic Union Bank refused to remove the late fee. My Request : I believe the late fee is unjust because I set up autopay specifically to avoid such issues. The servicers expectation that I manually adjust the autopay amount each time there is a change in my mortgage payment contradicts the purpose of setting up autopay. I respectfully request the CFPBs assistance in resolving this issue. Thank you for your attention to this matter.
Consumer complaint received 2016-09-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On several occasions I submitted a letter to the credit bureau Transunion and XXXX regarding incorrect information on my credit file. Both of these Credit Brewers continues to respond by saying that said information has been Verified. This is incorrect and impossible as the information in question does NOT belong to me! I have asked each credit Breuer on numerous occasions to please send me information on how the information was verified, whom was the point on of contact and to provide me with legal documents that contains my signature. I have yet to receive proof of said obligations and this incorrect information is ruining my life!
Consumer complaint received 2024-11-14
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. (NC)

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating 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 2016-09-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

An account on my credit file is not of my own doing. Unbeknownst to me XXXX XXXX placed me onto her credit cad with XXXX XXXX as an authorized user in which she opened XXXX XXXX, 2016 with a credit line of {$3000.00}. I contacted XXXX XXXX and had myself removed and advised I need this information removed from my credit file and was advised it would not be reported if I wee removed immediately. I explained to them I never asked for this and was not aware of this. I also contacted Equifax, XXXX and XXXX and was advised to contact the creditor. I am being told by the credit bureau to contact the creditor while the creditor says contact the credit bureaus. I want this removed from my credit report immediately.
Consumer complaint received 2016-08-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PlusFour, Inc (CA)

I received emergency medical service in XXXX, Nevada. I am a resident of XXXX and have medical insurance I receive medi-cal and I am covered on all emergency visit inside the USA. My medical insurer, XXXX XXXX XXXX contacted the XXXX XXXX XXXX and informed them they could send the bill to XXXX. A XXXX XXXX representative agreed over the phone and still have not billed XXXX. XXXX XXXX XXXX has sent my account to collection.
Consumer complaint received 2016-09-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion, XXXX, and XXXX are reporting a judgement on my credit reports from the XXXX district court. This judgement is inaccurate and should be deleted from my credit reports. Please site me the law that requires credit reporting agencies to add this to my report. I did not request to have it added nor did the bank. There is no legitimate reason for this judgement to appear on my credit reports. I feel like I 'm being treated unfairly and abused by these credit agencies because they are severely damaging my chances of finding employment. I have been denied credit, bank accounts, housing, and employment because of this superfluous account on my credit reports
Consumer complaint received 2018-10-04
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FORD MOTOR CREDIT CO. (AZ)

To whom it may concern, On XXXX I utilized XXXX XXXX. I've attached confirmation provided to me by XXXX XXXX confirming that my vehicle had been picked up from the location it was disabled. 

For the next three weeks a " XXXX XXXX '' maintained that they had picked up the vehicle and delivered it to XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX AZ XXXX ). During this time I contacted Ford several times which turned me away stating " we have nothing to do with XXXX XXXX. '' I was eventually directed to 'XXXX XXXX ' from a Ford supervisor stating my vehicle was " probably dropped off there by the tow company. '' I contacted them and spoke to XXXX. She felt so bad that we are people with XXXX being refused any type of help from Ford or XXXX XXXX. XXXX contacted XXXX XXXX  ( contracted through XXXX XXXX ) who suddenly changed thier story. The company stated that vehicle was dropped off directly at XXXX XXXX. After days of searching XXXX was unable to locate my vehicle. Once again she contacted the Tow company whom suddenly changed the story to now my vehicle was never picked up. 

Almost a month has gone before I was forced to file a stolen vehicle report with my insurance company. Because of the dereliction of duties and knowingly falsifying information on behalf of XXXX XXXX and XXXX XXXX  my vehicle was privately towed by another company on XXXX. My vehicle was left abandoned and we were left in the dark. 

It is now over two months later and we still do not have our vehicle. We lost so much time playing hot potatoe with Ford and XXXX XXXX that even to this date the vehicle is still not back to us. 

I've made several complaints to Ford, XXXX XXXX. Reference XXXX XXXX no. ( XXXX ) and XXXX XXXX complaint no. ( XXXX ), and a third party company ( unkown name ) that handles the dispatching of contracted tow partners. I've complained to Ford Credit for voiding the contract agreement that we had reasonable expectation as Ford customers that Ford would deliver assistance in time of need. Ford Credit has failed to meet that obligation. 

There is an unfair treatment against myself as a customer with XXXX. I have my rights and I am federally protected from companies like Ford who fail to meet their contractual obligations. The way we have been treated frankly is disgusting. Ford Credit has the nerve to still expect payment for the months that I have not had my vehicle due to their error. This is customer abuse. This is abuse of XXXX American 's.
Consumer complaint received 2018-10-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Quality Asset Recovery LLC (NJ)

I have a medical bill from the bureau name Qual Ast Rec for the amount of {$890.00}. I don't recall this debt. I don't have the date but the age of the account is 4 years and 6 months.