davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (CA)

I paid {$30.00} on this account, which was the amount due every month, before the due date.i was promised a increased, for no apparent reason, in addition to being charged {$99.00} a year and {$10.00} a month.Well after I made the payment, of $ XXXX.I decided to close this account. I never received a bill for {$37.00}, which they say was due and not the {$30.00}, which sound suspicious. I received a call stating you should have paid {$37.00}, not {$30.00}, and we are going to charge you {$29.00} late fee.I have been billed {$71.00} for the month of XX/XX/XXXXI am not going to pay, these people are scammers and take advantage of people with less than perfect credit.There was no description of a {$71.00} charge.
Consumer complaint received 2022-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (LA)

Spoke XXXX XXXX @ XXXX on XXXX. She is doing an escrow analysis and will get back w me in a day or 2 after completed. Informed her that there will be a shortage, not to increase payments above what was previous, I would catch the account back up. Also told her to apply extra payments to escrow as it was applied to principal. Payment was sent and the difference was supposed to be applied to escrow - This still hasn't been done as of XXXX Received a voicemail from XXXX to call back. Spoke w XXXX at XXXX on XXXX. Made a payment of {$1300.00}. {$480.00} is needed to catch the escrow account up by XXXX for property taxes. Sent payment to escrow and changed monthly payment to be corrected. - Payment received and STILL showing a negative balance in the escrow account. Even after our conversation and payment was sent! Still showing a negative balance ... Looks like it was applied to principal. No one EVER fulfills what they say they are going to do when I speak to this company...
Consumer complaint received 2019-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

USAA HAD COME TO A RESOLUTION WITH CFPB TO PAY ITS CLIENTS A LUMP SETTLEMENT IF {$180.00}. HOWEVER, THEY HAVE NOT PAID THEIR CLIENTS PER THE SETTLEMENT AGREEMENT. I PERSONALLY HAVE NOT RECEIVED ANY PAYMENT.
Consumer complaint received 2018-02-26
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One is reporting on my credit report as derogatory, has been since XXXX. This was a car loan with 72 monthly payments with one 30 day late payment. Loan was open in XXXX. The primary owner my XXXX spouse XXXX passed in XX/XX/XXXX. I just recently started to have errors on all three of my credit reports updated. I have been trying to get this account removed because it is over 7 years. I called XXXX, in XXXX, they said it is set to be removed in XX/XX/XXXX. Instead of removing the account or updating the information. Capital One is now reporting to all three credit reports ( XXXX, XXXX   XXXX  ) as 2- 30 day late payments. I thought after seven years it has to be removed and why are they doing any update or reporting on a paid as agreed CLOSED account??? They just updated the account to the credit bureaus in XXXX and XXXX, are they allowed to report or update on a closed account?? The account was paid off in full XXXX. It is also reporting twice on my XXXX credit report.
Consumer complaint received 2021-12-03
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: Bridgecrest Acceptance Corporation (GA)

I filed a dispute in regards to incorrect items listed on my credit report. It has been well over 30 days and I have not received any investigation results. I demand that these items be deleted from my credit report.
Consumer complaint received 2021-12-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: KEYCORP (OH)

On XX/XX/XXXX I applied for a checking account with Key Bank that required an on-line application. I was unable to complete the application on-line. I called their tech support XXXX. They could not provide a solution that would work but said I could NOT get the {$200.00} sign up bonus if I went into their branch office which was a XXXX drive away. 
I waited XXXX days and tried with XXXX different browsers just in case they had fixed their problem to no avail. I do qualify for the {$200.00} sign-up bonus based on their written offer.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BCI FINANCIAL (CT)

XXXX XX/XX/2020 no response XXXX XXXX XX/XX/2020 no response XXXX XXXX XX/XX/2020 on report twice no response XXXX XXXX XXXX XX/XX/2020 no response I would like these off my credit due to me not given permission nor having accounts with these.
Consumer complaint received 2021-05-06
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. (CA)

on XX/XX/2021 I sent out a formal letter informing the agency of the violations that I found on my credit report. After sending out the letters to the bureaus about the invalid information on my credit report, I still have not heard back in over 60 days! I feel like my rights are being violated and I am seeking that these incorrect items are removed immediately. I will also be seeking litigation on this matter as well if it is not resolved in a timely fashion.
Consumer complaint received 2022-10-11
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY (MD)

On XXXX XXXX I opened an XXXX XXXX with Wells Fargo. On XX/XX/XXXX I called them to inform them that the loan was not reported to my credit. They informed me that it will be on my credit on XX/XX/XXXX XXXX is now XX/XX/XXXX & it still has not been reported to any credit bureaus. Since then I have reached out to them multiple times & they have not helped me solve this problem
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

They also have neglected to list the creditors on my XXXX report for XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-12-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO. (IL)

XX/XX/XXXX I opened additional checking account with Chase Bank. Banker told me due to my relationship and balances it was free checking account no monthly fees. Everything was fine then in XX/XX/XXXX I move money out of account. I never got any email or text even though I'm set up for alerts that Chase Bank begin charging my checking account $ XXXX  monthly fee. I called XX/XX/XXXX th when I noticed charge and they would only reverse XXXX fee. I tried going to different branches at different times but there was always long wait for banker and usually only XXXX banker working. I finally went to branch today and banker said they don't have authority to reverse no more than XXXX charge. I think it's very shady of original banker who set up account to tell me it's free and now Chase Bank does not want to waive these fees even though I'm long time customer. I wonder how many other people this questionable business practice this is happening to??
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN HONDA FINANCE CORP (CT)

XXXX XX/XX/2020 no response XXXX XXXX XX/XX/2020 no response XXXX XXXX XX/XX/2020 on report twice no response XXXX XXXX XXXX XX/XX/2020 no response I would like these off my credit due to me not given permission nor having accounts with these creditors. I have no loan with them.
Consumer complaint received 2020-09-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FORD MOTOR CREDIT CO. (AP)

In XX/XX/XXXX I pulled my XXXX and XXXX XXXX credit reports because I needed to verify that the status of this account is current. I'm XXXX XXXX military and because I had some missed payments in the past, my security profile was flagged for financial discrepancies, which in turn could affect my security clearance to do my job if I didn't provide justification or proof that everything is good. 
My XXXX report showed that this account status was good and current, but my XXXX XXXX report showed status unknown or something like that. It didn't match the information that was showing in my eXXXX report. So I disputed it, thinking that they would be matching afterwards and maybe something got missed or overlooked and wasn't updated. Instead the exact opposite happened, after the dispute, XXXX XXXX said that my account was charged off back in XX/XX/XXXX, because they didn't received any payments and had unsuccessful collection attempts. I'm not understanding how or why this account got charged off, and for them to say that it was charged off ( apparently 36 times according to my credit report ) because of unsuccesful collections attempts and they have record of this. If they have records of this then what happend to the money that was sent and collected by them over the past 3 years. How come none of this was recorded?? Now my account that was in good status was passed onto a collection agency ( XXXX XXXX XXXX ) and its for the amount of {$20000.00}. I know this is not correct because this is what was owed according to my XXXX Credit Report, but my bank records show that from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX received {$4000.00} in payment for this debt. The last payment I sent was in XX/XX/XXXX and I only stopped paying because something is not right with this situation and I want it resolved before I resume payment on this debt. I definitely do not want to go thru with the collection agency especially if they're trying to collect $ XXXX from me? I know I don't owe that.
Consumer complaint received 2021-05-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (FL)

On XX/XX/2021 I called PNC Bank to report a checking account opened under my name that I did not open. My name and social was used to open an account on the internet without my knowledge. The bank rep told me she would report to the fraud department. On XX/XX/2021 I received a statement for this checking account. I called PNC again and requested them to close these accounts as they could potentially expose myself and the bank to a loss if these accounts go into the negative. They said they would fill out a form and submit it to the fraud department, which they told me the same thing on XX/XX/XXXX and nothing happened. I said close the account and they told me they could not because I did not open them, THE FRAUDSTER DID therefore I am not the account owner. This is either a training issue or PNC has some bad policies regarding new accounts opened.
Consumer complaint received 2021-05-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TD BANK US HOLDING COMPANY (FL)

After dealing with TD Bank over this issue I did some research and discovered they tried a similar game last year. 

We are am existing business checking customer with TD. TD suggested we open 2 additional FREE checking accounts. 

We opened the accounts and got charged a {$13.00} maintenance fee and a {$3.00} paper statement fee. 
We were told explicitly the accounts were free. We were even opted out of paper statements on our existing account. 

TD opened these new accounts and automatically began charging us for paper statements without giving us the option to choose. This is some predatory nonsense. 

We contacted our local branch a week ago and they are still working on it. 
After reading about situation with TD misrepresentation if fees in 2020 I realized this is a similar gambit. 
Banks are out of their mind for pulling these tricks in modern times. We're not going to stand for it.
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I had a Capital One credit card that required {$600.00} cash deposit at opening. 

XX/XX/2024 I had a balance due and I made a payment of {$610.00} but there was a mistake on my part, I gave them a bank account number that had been closed, to charge from. 
XX/XX/2024 The charge was denied obviously, then I realized I gave the wrong account number. 
XX/XX/2024 I paid again {$780.00}, this time on the right bank account, so it went through. 

Apparently because the mistake I made, they closed my account. That's fine by me. 
Now they owe me the deposit minus some balance due which comes to {$540.00} ( credit balance ). 

It has been 47 days and I haven't received my money back. The automated phone service said it'll take XXXX days to get the check in the mail. 

My complaint is, that is my money they're holding for no reason, I paid my balance due. I'm sure it does not take more than a week at most to process a closing account. It's all in the computer. 

I was never late on payments and on a single mistake they closed my account with no warning. But they can be as late as they want to refund my deposit?
Consumer complaint received 2022-04-27
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: CLGF Holdco 1, LLC (TX)

My account was on automated pay. My banking account was deemed closed by their systems but was not the case. I wasn't notified that my account was pasted due. A late payment was placed on my credit report due to their mistake. I spoke with countless account managers at least six times over the last month. First contact was made on XX/XX/2022 and no action has been made. I still have a negative item on my credit report and I need it removed due the company 's negligence and it is deemed illegal to report late payments one 's credit report, stated from XXXX.
Consumer complaint received 2022-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tate and Kirlin Assoc (VA)

Please reference previous complaint ID XXXX against XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX continues to engage in deceptive business practices, as they have apparently sold our " debt '' to another agency, Tate & Kirlin Associates , Inc. Tate & Kirlin Associates , Inc. is the subject of this new complaint, as they are now engaging in harassing techniques to collect a " debt '' we DO NOT OWE. A letter was sent to the home of my parents on XX/XX/XXXX stating that we owe {$1300.00} for an account with XXXX XXXX XXXX It was already established with XXXX and XXXX XXXX XXXX, XXXX. that there is no debt and we do not owe anything to anyone. 

Today ( XX/XX/XXXX ) I called Tate & Kirlin Associates , Inc. to let them know, and they easily located the account and verified my full name. They then refused to help me unless I provided my date of birth and new mailing address. I am obviously not going to give this information to anyone I don't know over the phone who is engaging in false debt collection practices against me. The man I was speaking to stated if I was not willing to give this info, he would not help me and hung up. I'm certain they will continue to harass my extended family for debt we do not owe. I can only assume this is just the beginning of a harassment journey with Tate & Kirlin and I am not going to put up with this again. 

At what point will this false debt stop following us?! Is it illegal for XXXX XXXX XXXX to pass " debt '' on to Tate & Kirlin knowing the case was closed and we don't owe anything? Is it illegal for Tate & Kirlin to attempt to collect on a debt they know we don't owe? I'm assuming they are in possession of our contract with XXXX  that shows a very clear {$0.00} BALANCE.

Letter from Tate & Kirlin is attached. I don't know who I spoke to there today, but it was a man at XXXX at XXXX XXXX.
Consumer complaint received 2021-12-03
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. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Transunion Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-02-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/21 my XXXX  loan from the XXXX  was ACH transferred to my personal account with Wells Fargo. My lender along with the XXXX  confirmed there would be no problem with this because i am the owner of the business, my social not the business ein number was used and i am a sole prop with a valid XXXX  meaning i am doing business as my business. Wells Fargo accepted this ach and then a day later placed a hold on my account and submitted a request for closure on my account. I called several times every agent i spoke with was extremely rude and continuously hung up in my face. I submitted all requested documents showing this was my business and i authorized these funds to go into my account with Wells Fargo. I provided Wells Fargo with my SBA contract my lender contract, ein issued by the irs and my XXXX  showing i am the sole owner of this business. I was initially told i once i submitted the documents showing this was business and these where my funds the hold would be released. I was then told the hold would not be released and they are holding my funds for 14 days then sending a check through the mail for the balance in the account. Wells Fargo has every right to close the account and do as they please with the closing of the account but they have no right to illegally hold my funds when i have provided all documentation it is a national pademic i was finally able to get assistance and now they are illegally holding funds. I will lose my business due to this those funds where to pay for the renting of my business space for which i was already behind in payments due to loss of income i will not be evicted and incur more fees due to the holding of These funds illegally. NEVER BANK WITH WELLS FARGO they have terrible customer service they do things illegally they discriminate against you and try to make you feel like a criminal and even after submitting all valid documentation they still feel they have the right to hold my funds. I should be allowed to get my funds and then they can close their sorry little accounts with their terrible customer service now i see why they where always in the news for doing so many illegal things!
Consumer complaint received 2022-04-27
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)

Transunion is reporting inaccurate information on my credit report. 

The following information is the inaccurate information. 

XXXX XXXX XXXX  Loan 2 late payments, when there is no late payments. 

The following closed accounts are showing incorrect data on my credit report. 

XXXXXXXX XXXX XXXX shows as a charge off as well as a balance at the same time. How can a charge off have a balance delete this inacuracy. 

XXXX XXXX XXXX shows as a charge off as well as a balance at the same time. How can a charge off have a balance delete this inacuracy. 

XXXX  XXXX XXXX shows as charge off with a balance how can a charge off have a balance please delete this. 

XXXX  XXXX XXXX shows as charge off with a balance how can a charge off have a balance please delete this. 
XXXX XXXX XXXX  shows as charge off with a balance how can a charge off have a balance please delete this. 

XXXX  XXXX XXXX shows as charge off yet it has a balance how can a charge off have a balance please delete this. 

The following names on my profile are not my name XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXX XXXX hasn't answered me in regards to a debt that is being reported incorrectly on my credit report. I have asked them to send me documents for this account including payments, letters of increases in interest. They only reply with the dates it was open, closed, and when it when into charge off. The credit bureaus are reporting different delinquency dates, one shows XX/XX/XXXX and the other XX/XX/XXXX.