davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (CA)

I opened an XXXX XXXX XXXX XXXXXXXX XXXX account with PNC around mid of XX/XX/XXXX. There was a XXXX of {$400.00} when you establish total qualifying direct deposits of {$5000.00} or more to the Spend account. 

On XX/XX/XXXX, there was a DIRECT DEPOSIT from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unemployment account of {$4700.00}. Then other DIRECT DEPOSITS from my employer on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX totaling {$4200.00}. Clearly, it shows that I am well beyond the {$5000.00} deposit requirement PNC is requiring. 

However, after a phone call on XX/XX/XXXX with a rep from PNC, I was informed that the {$4700.00} DIRECT DEPOSIT from my XXXX XXXX XXXX Unemployment account won't count towards the bonus. 

In XXXX, one can't ask the XXXX, the Unemployment agency, to deposit the funds into any random Checking account. Funds are dispensed into an XXXX XXXX XXXX XXXX  account, and from there, it can be transferred to any personal checking/savings accounts. 

Now, PNC doesn't want to recognize the DIRECT DEPOSIT transfer that was made from my Unemployment account as a LEGIT DIRECT DEPOSIT so I can qualify for the {$400.00} Promo. 

These are all very misleading tactics orchestrated by PNC as their fine print shows that a direct deposit from an employer or an outside agency ( Social security, payroll, benefits, etc... ) will suffice as a requirement for their {$400.00} bonus.
Consumer complaint received 2023-01-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

We purchased a vacation home at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$400000.00}. We took the mortgage in the amount of {$320000.00} from Wells Fargo mortgage office in XXXX XXXX  ( no longer here ). Throughout the process we were given a XX/XX/XXXX year mortgage rate somewhere in the XXXX % ( can not recall the details ). A XXXX  of days, right before the closing, we were trapped by the Wells Fargo agent into paying a much higher rate, somewhere in the XXXX % range. We were told that this was what Wells Fargo was willing to offer at that time and could not be changed. We complained verbally trying to get a satisfactory solution to the problem, to no avail. So pressed with the closing deadline we had no choice but to agree to take the higher rate. Since the rate appeared to be still in the " semi reasonable '' rate, we did not press the issue afterwards. Now, I come to find reading the news, that this was a common, '' fraudulent '', practice Wells Fargo was involved in and it has been a subject of federal investigation and consumer settlement. We held and paid the mortgage until XX/XX/XXXX, when we sold the property.There was XXXX rate revision after XXXX years. I am sure the Wells Fargo records will reveal fully support this claim. Any assistance you can render advancing this claim against Wells Fargo will be greatly appreciated. Respectfully submitted. XXXX
Consumer complaint received 2022-04-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (NC)

I opened a checking account with HSBC on XX/XX/2021 under the " {$450.00} Welcome Deposit in your new HSBC Premier checking '' promotion. I qualified for the promotion by receiving over {$5000.00} in direct deposits per month for more than three months ( six months so far ). When I chatted with HSBC this evening I was told that I did not qualify because I did not open the account through the offer page. When I was applying for the account I made sure to save to pdf the offer page from which I opened the account. Please find this evidence attached plus my submitted application, my chat transcript with HSBC, and my account transaction history since XX/XX/2021 which shows that I have met the requirements of the offer.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (VA)

Hi CFPB, Discover bank has reported XXXX missed payments while the account is current, please get them removed as it is causing me low motivation and also my credit score is low due to this I will have trouble will getting another loan. kindly help me in getting the late payments removed. I have attached the screenshot for reference
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

this XXXX XXXX XXXX account is attempting to claim that i owe {$14000.00} debt that i have never even heard of. this account has been furnished on my credit file without my authorization. i XXXX XXXX XXXX have never signed any contract or attended any XXXX XXXX XXXX purchase. i have never given XXXX XXXX XXXX authorization to create an account and start billing me for i have never utilized any services or accomodations by this company and i need this account to be removed from my credit file immediately. i contacted XXXX XXXX  and they told me i needed to contact the credit reporting agency to handle it they can not do anything to verify that the debt belongs to me. being that i did not authorize or use this service i do not authroize this to be reported on m credit file as an account that i agreed on because i didn't. this debt needs to be investigated and removed for fraudulent activity. 

based on Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) you where supposed to XXXX report the results of the investigation to the consumer reporting agency ; i never gotten any verification that this debt is accurate and belongs to me so the result of that action not taken place being that i have not been provided with proof or evidence that the debt belongs to me then XXXX if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do XXXX of the following : a. modify the item of information. 
b. delete the item of information. 
c. permanently block the reporting of that item of information. 

update my credit file immediately
Consumer complaint received 2020-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (VA)

BB & T refused to revoke authorization for an ACH debit to IRS as requested under the Coronavirus Tax Relief - People First Initiative. 

I first sent 2 emails through the online portal and then called in to customer service. They had not heard of the tax relief so I read the information to them from IRS.gov. 

The representative consulted with her supervisor and advised they could not revoke authorization because it was not initiated in their bill pay system and stated the only option was to do a stop payment for {$35.00}. I declined the stop payment and advised I would contact CFPB for assistance. 

The representative proceeded to process the stop payment and charge the {$35.00} fee without my authorization.
Consumer complaint received 2020-05-20
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My prepaid Bank of America debit cash pay card account is unavailable for some reason. I have the app and it says Card unavailable. Please contact us for details. It was working fine I noticed on XX/XX/2020 at XXXX. I can no longer make any type of transaction. Its a hard time for them in costumer service.
Consumer complaint received 2023-01-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TAG Intermediate Holding Company, LLC (CA)

Ganas auto XXXX XXXX has insanely up charged me I put down XXXX for a 2017 XXXX with XXXX miles wich by the way in the contract they put on XXXX the cars value is about XXXX before financing and there charging me in total of XXXX after financing... The car broke down 4 weeks after negotiations and was at the shop for 90 days without stopping my dues.. becouse of this I lost my job and was behind my payments while the car was still at the shop getting worked on I was threaten with reposition of the vehicle due to non payment I managed to give them my savings and didn't reposed. It's been a nightmare of an experience with this car sales company...
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on 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 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 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022, Refunds Solutions XXXX working for XXXX XXXX sent me a refund for XXXX tickets purchased just before COVID shutdown. 

XXXX XXXX refunds, {$140.00} x XXXX = {$440.00} total. 

It said wait XXXX statement cycles to see the credit. In XXXX I still did not see so i called Wells Fargo. My credit card is a Wells Fargo Card. They did some research and could not find the refund and suggested waiting longer. Then XXXX i called again to submit a claim with Wells Fargo. I spent an hour on the phone with them and thought my claim was submitted. Then XXXX weeks later i still didn't hear anything and called Wells Fargo again. There was no claim initiated as they said and they still couldn't find the money. They said i needed to work with the airline. I contacted the airline again and they said Wells Fargo has the money. 

I called Wells Fargo yet again and they said there was nothing they can do. 

I have no idea how to get my money back and who has it. But was very surprised that wells supervisor didn't " see this as an issue and would not help me. 

I emailed the airline again and they said they can not help. 

The airline is refunding back to the original credit card I used from Wells Fargo. Because of XXXX, wells changed my account number. So this is likely why the money is missing. 

I would like my money back and no idea how to get it.
Consumer complaint received 2023-01-29
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: Velocity Portfolio Group (IN)

This letter is in response to your recent claim regarding account # XXXX which you claim I owe {$1300.00}. 
Yet again, you have failed to provide me with a copy of any viable evidence bearing my signature showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name address and telephone numbers of each person who personally verified this alleged account so that I can inquire about how they verified without providing any proof bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the consumer financial protection bureau, and the attorney generals office. Should you continue in your noncompliance of federal law under the fair debt collection practices act, the fair credit reporting act, and the corresponding local state laws. I further remind you that you might be liable for your willful noncompliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : -defamation -negligent enablement of identity fraud -Violation of the fair credit reporting act, ( including but not limited to section 8078 ) -Violation of the fair credit reporting act, ( including but not limited to section 623 b ) You will be required to appear in a court venue local to me in order to formally defend yourself. 
PS please be aware that depending on your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2023-01-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

N the months of XXXX and XXXX of 2022 late payments reported improperly and incorrectly. 


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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

N the months of XXXX and XXXX of 2022 late payments reported improperly and incorrectly. 


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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

On XX/XX/XXXX, I had an XXXX XXXX interview for XXXX employment. During the investigation, I learned that the only derogatory note on my account was a " Charge Off '' from XXXX XXXX XXXX. It was related to a XXXX XXXX XXXX lease. At the end of the lease, I paid the final balance in three ( 3 ) payments. 

On XX/XX/XXXX, I spoke with XXXX XXXX XXXX and learned that a charge off was incorrectly placed on both my wife and I credit. The representative requested that we initiate a dispute even though XXXX placed the derogatory information on our credit in error.
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Sales financing company Contact Information XXXX XXXX XXXX XXXX, FL XXXX BYMAILONLY XXXX/XXXX  XXXX CR Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Sales financing company Contact Information XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Tenant screeners ( reseller ) Contact Information XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2023-01-29
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: Experian Information Solutions Inc. (AL)

I have tried to contact XXXX, XXXX, And Experian concerning my credit report. They have told me there were nothing they can do. I have inquiries and accounts ( listed below ) that are not mines. Under the Fair Credit Reporting every violations ( listed below ) Im guaranteed XXXX per violation. The accounts that need to be removed are Both XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX ( Both XXXX XXXX  ACCOUNTS ) its been passed over due and I paid the accounts in full and its closed I dont need the use of the accounts anymore. I want it to be removed. The XXXX Account should removed its been closed and I no longer use of it and it needs to be removed. I have no knowledge of XXXX XXXX XXXX  account and the XXXX XXXX Account and needs to be removed please. XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX needs to be removed due to no knowledge of my account. If they are closed they need to be removed. The inquires that need to be removed due to no knowledge of them are : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX The violations that happened to me are 1 ) All Credit Bureaus are not updated on credit reporting. 2 ) Refusing to updated and removed false information from credit report. 3 ) Each credit Bureau have different information from one another. 4 ) I provided them with proof and they still refused to remove false information. 5 ) They did not take their time to go over my credit report. I have 5 violations that was done to me by XXXX, XXXX and Experian. Meaning I should be getting a check for {$5000.00}.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One Silver card shows a balance of {$39.00} The same day it was charge and paid it off. Why is it showing a balance on my credit report. 

Acct # XXXX Statement attached
Consumer complaint received 2023-01-27
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

I am writing to request the removal of unauthorized credit inquiry. I did not give permission to this company to do a inquiry on my credit. It is in violation of the fcra and my privacy i have made many attempts to resolve this thru the bureau and contacting the company. Please remove.
Consumer complaint received 2023-01-27
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: EQUIFAX, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2023-01-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

I have been having problems paying my XXXX dollar car payment each month. Due to rising costs for everything and traveling long distance to work paying for gas. Just recently had a large maintenance bill. That really set me back. I have made XXXX aware of my situation several times. I have been pleading with them for a lower payment so I can make the payment each month and not have me behind every month. They refused to lower it. They have given me several extensions but after making a few payments on time. I find myself back in the hole again. The problem is the payment is very high. I feel I can pay this on time every month with a slight decrease.
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX   XXXX {$800.00} XXXX  XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX {$120000.00} XXXX   XXXX XXXX {$120000.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}