Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive advertised or promotional terms

I have a PNC Bank Rewards credit card. I called their customer service department to request a lower APR interest rate. I was told by the agent on a recorded call that my APR would be reduced 6 %, effective my next statement. 

Upon receiving my next statement there was not the promised APR reduction. I called in to PNC back asked to speak to a supervisor to lodge a complaint. I spoke to a supervisor who said they would pull the call, listen to the call and see if they could help me. 

Today I received notification from PNC bank that they were unable to offer me the 6 % APR reduction that I was promised on a recorded call. I asked for a copy of the call with the agent and was denied. 

I am filing this complaint as this is very deceptive and dishonest. I was promised a 6 % APR reduction by the PNC bank agent, and come to find out this will not be the case .... 

Please help me with this matter, Very truly yours, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have been waiting for Equifax to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the account 's information below : XXXX XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

The company handling my student loan is XXXX XXXX. On XX/XX/XXXX I decided to pay the debt in full. This amount of XXXX was verified by two separate people at the company. One of the representatives was XXXX XXXX. I did not catch the other representatives name. I was also assured this account would be closed and I would be receiving a letter that the debt was paid in full. I never received that letter and actually received a bill for XXXX. I contacted Ms. XXXX on XX/XX/XXXX at XXXX ( PST ). During this conversation she assured me that amount would fall off and it had only accumulated because they were waiting for the Department of Education to close the account. I was told she would follow up and I would be contacted by XXXX. I never heard from Mrs. XXXX and then tried to contact her XX/XX/XXXX and XX/XX/XXXX with no response. On XX/XX/XXXX I contacted her again. She answered and referred me to her supervisor XXXX XXXX. I explained the situation to Ms. XXXX. She claimed that amount had not caught up to the system when I was given the final payment amount. I told her that amount of XXXX was verified by two different people at her company. She apologized and stated I still owed the XXXX. I told her I wanted to pay it as long as that was the remainder of the loan and it would then be paid in full. She offered to take off the {$10.00} in fees and put it through as a settlement. I told her I did NOT want to do this, as I had already paid almost {$17000.00} and did not want it go through as a settlement and negatively affect my credit score.  She told me the amount showing in their system had a XXXX cent discrepancy with what was showing on the Department of Education and that she needed to get it adjusted, otherwise if it were not the exact amount it would not close the account. She assured me I would hear back from her by the end of the day. I did not hear from her. I made multiple attempts to contact her to resolve this matter on XX/XX/XXXX. I spoke with XXXX XXXX ( another supervisor ) who told me he could close out the account, even with the discrepancy. I explained Ms. XXXX stated that would not be possible and I would like to speak with her directly. He told me she was at lunch and assured me she would contact me. I have yet to be contacted. I keep getting the run around and all I want to do is pay the amount and close the account. It seems as though they would like to keep the account open to collect more money in interest in fees.
Complaint sub-issue: Overdrafts and overdraft fees

On XX/XX/2020 and numerous other occasions, PNC Bank has aggressively charged our business checking account overdraft fees of {$72.00} on XX/XX/2020, when as of XXXX yesterday XX/XX/2020 our account balance was {$8.00}, and we were charged the 2 overdraft fees this morning, yet there were no transactions that should have made the account go under the {$8.00}. PNC has done this on a continuous basis, and it seems that if the account balance is low, their computer systems are programmed to aggressively set up the opportunity to charge the overdraft fees. We have been charge upwards of {$1000.00} in overdraft fees, and we feel at this point it is because of their system. I reached out to retail escalation rep XXXX XXXX, who has offered to give some of previous funds back, but has failed to do so. At this point we are going to terminate our business relationship with PNC and are searching for an attorney to look into this matter.
Complaint sub-issue: Information is not mine

Filing a complaint against equifax regarding a credit card account from regions which does not belong to me. Regions states the account does not belong to me and should not show on my credit history because I am just an authorized user for which I have never even authorized to begin with. I have request this removal at least 4 or more times through exqifax and they continue to nelegect it. I had no issues with XXXX or XXXX on this removal. I will also attach a document provided by XXXX manager showing that the account is closed and I was only listed as and authorized user and should not appear on my credit history report. Also attached are my credit history reports from all 3 bureaus. Please this is on going issue for 2 or more years I would really appreciate if this was removed indefinitely from my credit history.
Complaint sub-issue: Was not notified of investigation status or results

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. 
Company Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX.
Complaint sub-issue: Account information incorrect

i do not have any car lone showed on my credit
Complaint sub-issue: Was not notified of investigation status or results

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Complaint sub-issue: Old information reappears or never goes away

I had a XXXX XXXX card back in XXXX. I set up the account via their phone service after starting the card in store. When I went to pay a bill, the sum initially showed deducted from my checking account and then reappeared after a few weeks. It turned out, the XXXX XXXX  representative. Seeing as this was their error, they corrected the information and removed the late fee. 

Now, just over 2 years later, I am attempting to by a home and that error ( which XXXX XXXX  said was being removed ) is still on my credit record. I even closed that account over a year ago. 

I would like this error removed from my credit history, not just a late fee removed.
Complaint sub-issue: Was not notified of investigation status or results

XXXX XXXX, I have been a victim of identity theft. A XXXX  XXXX XXXX account was created using my information. I contacted XXXX and they resolved this issue. I was told my social security number was used to create the account, which forced me to do a deep dive into my credit report. I requested an investigation with the credit bureau because XXXX XXXX was reporting inconsistent balances I remember paying this credit card off. All three credit bureau 's are reporting inconsistent credit limits, balances, high credit, and dates of last payment. I believe the credit bureau failed to properly validate this debt. I mailed a letter to this XXXX XXXX, but I received no response. All three credit bureau 's are reporting different information. It is unfair that there are so many inconsistencies on my report. If this creditor is unable to provide the original documents of this debt along with validating I owe them this debt I would like it removed from credit report.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX XXXX XXXX has not reported to credit agencies since XXXX. My last reported balance was nearly {$1200.00} and my current balance is XXXX. This is negatively impacting my credit score.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair reporting act XXXX account number XXXX has violated my rights 15 US C1681 section 602 states I have the right to privacy. 15 UC 1681 section 604 a section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 15 USC 1666B : A creditor may not treat a payment credit card account under an open and consumer credit plan as late for any purpose.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX CREDIT - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am requesting that you please delete the inquiries listed here from my credit report. I have not authorized any of the companies listed to view my credit information, and so their inquiries are in violation of the Fair Credit Reporting Act, Section 1681b ( c ). I would appreciate if you could remove them immediately. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Account information incorrect

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX is reporting two accounts they can not validate I owe them money. They have failed to provide name and address of the alleged creditor, alleged debtor, alleged account number, address on file for the alleged debtor, the alleged debt amount, date alleged debt became payable, date of original charge off or delinquency. They have not advised if the debt was assigned to the XXXX XXXX, XXXX, or purchased. They have not provided the amount of debt was purchased. 

They are reporting to the three reporting agencies the accounts as recently opened when they have reported the two accounts for years.
Complaint sub-issue: Problem with rewards from credit card

I tried to redeem my US Bank business credit card cash rewards to my US Bank personal checking account. The system keeps telling me " an unexpected error has occurred. '' I called the number on back of my biz credit card. The agent told me I have the wrong routing number and/or checking account number. I told her that I checked XXXX times already and am 100 % certain I provided the correct info. The agent told me she could not help me and made me contact the checking accounts team. I called them and that agent also told me they could not help me and transferred me back to the biz credit card team. US Bank is giving me the complete runaround here and I am tired of this back and forth nonsense. I have the correct account information, unless US Bank changed this without my knowledge, nor consent.
Complaint sub-issue: Debt is not yours

I am filing to dispute the inaccuracies on my credit report with Equifax.
Complaint sub-issue: Their investigation did not fix an error on your report

i reviewed my credit on all 3 credit bureaus. and found a input stating that i supposedly had an account ( furniture ) W/ XXXX XXXX ( XX/XX/2014 ) that i hadnt paid and ended up owing in the amount of {$620.00} and it was reported to be ( charged off ). I contacted all 3 credit bureaus disputing said item. they supposedly did their investigation and said account was verified. i did this twice with all 3 bureaus. I then contacted XXXX XXXX wanting verification of debt. I have enclosed the letter that they sent me. stating that : Due to lack of information, we were unable to research/verify the account in question. and in the same letter they asked for me to furnish them my info. I dont believe that i should help them mock up something against me. So i ask how is this validation of a debt. I also spoke with them over the phone, i asked for the them to remove, this from my credit profile, they said they wouldnt and that i should fight it out with the credit reporting agencies. So i in turn sent the credit bureaus a copy of this letter. and for them to delete incorrect / unvalidated info from my report. 30 days later all 3 of them reported that this account was verified and correct. So to summarize things i feel exhausted in trying to correct this. each one of them creditor/ crdit bureaus dont care, and are kicking the can to each other, and im stuck. im trying to get a mortgage, but some lenders tell me to fix this item before they can proceed. please help!!! i feel that if there isnt evedience, then its probably false, or not my account. i have a very common XXXX name. so they should remove it. thank you for your time
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/XXXX I contacted Flagship Credit Acceptance to request a legal contract bearing my wet signature and a deficiency letter. Flagship could not produce the information I was requesting, because I had no legal contract with them. They have been reporting a negative balance to the credit bureaus since XX/XX/XXXX. 

I recently mailed an affidavit indicating their violations of the statute of limitations for the state of Alabama. I have not received any correspondence back from them, other than a returned signature, to indicate they have receipt of my letter. I was made aware that a vehicle I surrendered was sold for {$5600.00} and they have been reporting a negative balance of {$7700.00} ; which is why I requested a deficiency letter that I never received after the sale of the vehicle in XXXX. I made many attempts in disputing this error, but nothing on the company 's end was ever resolved.
Complaint sub-issue: Deposits and withdrawals

I had deposited  XXXX  checks into my us bank account on  XX/XX/XXXX   XXXX  for  XXXX  and  XXXX  for  XXXX . The funds cleared and showed available on  XX/XX/XXXX . I tried to use my debit card and it did not work even though there was over  XXXX  in my accounts. My employees were also turned away and not allowed to cash their paychecks again the accounts showed over  XXXX  available but the bank refused to allow me access to it. On  XX/XX/XXXX  they requested a copy of the customers bank account where the checks were from. I got my customers bank statement showing the  XXXX  was out of his account. Then on  XX/XX/XXXX   XXXX  at  XXXX  us bank location manager said they are closing my accounts and she is sending it to their fraud department. Then after several calls back and forth from fraud to the branch, I have been given so many different stories about when they will give me my money. They wrote me a letter on  XX/XX/XXXX  stating the account closure and my funds would be mailed in 15 days. That would have made the date around the  XX/XX/XXXX . When I called again after not receiving my money they said they are still reviewing my accounts and waiting to verify checks that had already been verified. Another story, then I called at the  XX/XX/XXXX  be still being reviewed by fraud, my branch manager said I should n't call them any more I should call fraud, when I called fraud they said the funds are with my branch manager.  XX/XX/XXXX  the fraud department said they released the funds to my branch. My branch said it hey do n't have them yet. I have lost my employees, I have lost my customer, I could n't pay my bills or my daughters   XXXX  school while us bank is playing games with my money I worked for over a month ago. How can I stay in business. This has been so   XXXX   and I have even had to seek medical treatment  for all of he overwhelming amount of pain this has caused me and my family. Please help me get my money from this dishonest bank.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My information was used by an individual in XXXX Washington that tried to get a auto loan XX/XX/22. The dealership ran the credit app againts 5+ different institutions. I have locked all my credit bureaus.
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX XXXX XXXX XXXX is currently showing on my credit report. I have never been contacted by this company either by phone or mail in any attempt to collect a debt. This company is not licensed in the state of Florida to collect a debt. I've tried to contact this company with no response. I also sent a certified letter for them to validate or provide proof of debt with my signature ... I would like this company removed from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection in the amount of {$7200.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) Pursuant to the letter attached, I contacted the apartment manager and asked to schedule a time to meet and discuss the items listed on the Move-out Statement. I was never contacted by anyone either by telephone or email. The amount of the collection they are reporting is totally false. I am also disputing all charges outlined on the Move-out Statement, specifically the items that follow : missing garage remote ( the remote was left on the counter when I vacated the premises ) ; full apartment trash-out ( I left the apartment in better condition than when I moved in, this charge is completely made-up ) ; one bedroom no attempt to clean ( again, I left the apartment in better condition than when I moved in, this charge is completely made-up ) ; Worn Countertops needs resurfaced ( this was a result of NORMAL wear and tear I should not be charged for upgrading the unit ) ; Missing Refrigerator ( the refrigerator was in the unit when I vacated ) ; Missing washer/dryer ( the washer and dryer were rentals and returned they were not property of the apartment complex ). The collection being reported is completely bogus and needs to be removed from my credit report. This false reporting is seriously harming my credit score. I have contacted the bureaus to remove these line items however, I have not been successful.
Complaint sub-issue: Denied request to lower payments

Purchased XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XX/XX/XXXX with my score was XXXX Flagship Credit Acceptance LLC got me paying {$570.00} WITH NO CHANCE OF REFINANCE or lowering my XXXXXXXX XXXX XXXX interest. After I had a XXXX XXXX XXXX from XXXX XXXX XXXX ( no money down ) for $ XXXX month that was never approved for XXXX  months because I'm XXXX XXXX
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

XX/XX/, Several charges were made to my card from the Cash App company in the amounts of XXXX XXXX XXXX XXXX XXXX XXXX to a company called XXXX XXXX which I never authorized and only XXXX of the fraudulent charges was reveresed and all other denied several times, without any resolution. I've called support several times for help and still am left without any of my money returned.
Complaint sub-issue: Was not notified of investigation status or results

They will not respond back after several notices of me wanting the signed contract. This has gone on for over XXXX years fraudulently. 
XXXX XXXX XXXX, XXXX XXXX. I do not know who they are but they are fraudulently continuing with practices that are illegal and posing as the education department. A fraud report was filed on this company.