davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (TX)

Hello, I had an old account with compass bank. When PNC bank bought compass I decided that was the best time to finally close that account. We moved all our bill pay to a new bank. I went into the branch, and closed all my accounts. There was an overdraft protection line of credit for the checking account. Somehow that didn't get closed and somehow a auto draft for a life insurance policy over drew the account by a few dollars and hung the loan out there. The bank called and said I owed {$25.00} or {$50.00} but could not tell me why. I went back and forth with the bank for months and 3-4 different people to get to a manger that could actually tell me what the fee was related to. At that point I was done being harassed so I agreed to pay {$50.00} to resolve it. They said I could only do it in person at a branch. So eventually went by a branch to resolve and they said they couldn't find the information and didn't know much to charge or how to resolve it. I continued to receive phone calls regarding this and finally I was able to make a payment over the phone to resolve the issue. It was a painful runaround that was complicated by PNC 's takeover of BBVA. It is an absolute outlier situation complicated by big business, new employees and and wasted thousands of dollars of people 's time. 
Over such a small amount. 
Info below from my bank. 

I need PNC Bank to have the late payments removed from my credit report. The charge off was {$3.00} Here is the information that PNC reported on your check line reserve. 
Per our conversation, you had closed out the checking account at PNC and the auto draft for {$25.00} for life insurance continued to debit which then pulled from your check line reserve. 

o Explanation for the late payments on check line reserve ( 2x30 days, 2x60 days, and 6x90 days ) for PNC Bank loan ( acct ending in XXXX )
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

The following accounts currently listed and showing on my Equifax credit report has an incorrect balance XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX The correct balance on my XXXX, XXXX XXXX  and XXXX XXXX  credit card account is {$0.00}. The following credit card listed and showing on my Equifax credit report is lost/stolen : XXXX XXXX XXXX XXXX XXXX {$410.00}. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX  is lost/stolen and the current balance of {$410.00} is all fraudulent transactions. The following hard inquiries currently listed and showing on my Equifax credit report are all fraudulent and not my hard inquiries : XXXX XXXX XXXX XX/XX/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 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (NV)

Purchased XXXX XXXXXXXX XXXX XXXX  XXXX from XXXX, XXXX CA XXXX XXXX. XXXX financed through Exeter Finance, LLC. I have been battling with XXXX over title documents. The dealership has failed to provide necessary title documents to transfer title and lein holder. In XX/XX/XXXX Exeter sold loan back to XXXX. I never missed a payment, or been late. Exeter has reported this account as derogatory. The account is closed paid as agreed. The transfer of this loan has nothing to do with me or my standing under the contract. I have disputed 3 times with XXXX and twice with XXXX XXXX. The payment schedule in my report remains inaccurate as well as remarks and account status. I am on the verge of financial ruin due to Exeters false reporting.
Consumer complaint received 2023-05-19
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. (IL)

XXXX XXXX Account XXXX XXXX has never been 60days late. Transunion is reporting this account inaccurately & failed to remove this tradeline.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX  XXXX XXXX.
Consumer complaint received 2023-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Dear PayPal Customer Support, I hope this letter finds you well. I am writing to formally appeal the permanent limitation that has been placed on my PayPal account. I strongly believe that this limitation was imposed in error, as I have not violated any PayPal policies or engaged in any activities that would warrant such action. 

Firstly, I want to emphasize that I have been a loyal and active PayPal user for several years, conducting numerous transactions without any issues. It has come as a great surprise and disappointment to me to receive the notification about the permanent limitation on my account. I am confident that this is a mistake, and I kindly request you to reconsider and re-investigate my case thoroughly. 

As a responsible PayPal account holder, I have always strived to adhere to your terms of service and policies. I have conducted all my transactions in a legitimate manner, both as a buyer and a seller. I have never engaged in any fraudulent activities, nor have I violated any of the policies outlined in the PayPal user agreement. Therefore, I am confident that there has been a misunderstanding or an error in the assessment of my account activity. 

Considering the aforementioned points, I kindly request that you conduct a comprehensive review of my account history and transactions. I urge you to take into account my previous exemplary record as a PayPal user. I firmly believe that upon a thorough investigation, you will find no evidence of any policy violations on my part. 

In light of the above, I kindly request that you lift the permanent limitation on my PayPal account and restore it to its previous unrestricted state. I value the convenience and security that PayPal offers, and losing access to my account has caused significant inconvenience and disruption to my financial activities. 

For your reference, the email address associated with my PayPal account is XXXX I kindly ask that you communicate with me through this email address regarding any updates or additional information required for the re-evaluation of my case. 

I appreciate your attention to this matter and hope for a prompt and fair resolution. I trust in PayPal 's commitment to ensuring a safe and reliable platform for its users, and I am confident that upon further examination, my account will be reinstated. Thank you for your time and understanding. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2023-05-19
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)

This is my fourth attempts to tell you that I am a victim of identity theft and I complain some records with such an error, for that i am expected from you to help me remove these inaccurate items. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. It seems no one care, remove the noteworthy of any information in my credit record that came about due to an alleged fraud. The following items are such an erroneous on my file that needs to remove : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX, XXXX, XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX ; XXXX XXXXXXXX Balance Owed XXXX {$2000.00} XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hello : My name is XXXX XXXX XXXX. I currently reside at : XXXX XXXX XXXX XXXX, XXXX, NC XXXX. My Birthdate is : XX/XX/1979. My Social is : XXXX. 
I have been recently made aware that my credit profile has been marked as me being deceased. 
This is 100 % inaccurate. 

XXXX, XXXX and Transunion have ruined my credit rating and standing by removing my score and listing me as non-scoreable. 
Due to this grave error by your systems, you have caused me irreparable damage to many of the active trade lines that I currently hold. I have well over XXXX XXXX dollars in active credit that you have caused the credit issuers to decrease or close my accounts. 
I have included a copy of my current XXXX XXXX XXXX cellular billing statement and a copy of my Driver License that shows I am an active customer, paying bills and very much still alive. 
This is a demand to remove the deceased marker off of my credit report at once and restore my XXXX credit score. 

Thank you, XXXX
Consumer complaint received 2023-09-07
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: EQUIFAX, INC. (OK)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY (GA)

I got a couch from XXXX XXXX almost 3 years ago. They financed through Wells Fargo, Ive been consistently paying however, the balance hasnt changed. I reached out to them because for years I wasnt receiving any statements. They had a email on file that wasnt familiar, they claimed they tried to email me but never were able. I asked about the high interest. They said they told me it was 0 % for 12 months. Ive looked on credit report and I still see the same balance. Customer service, were very dismissive and I never got an answer as to this loan that hasnt moved. Wells Fargo has been managing and doing what ever they want in customers accounts
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DC)

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. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 2023-05-18
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: TEXAS CAPITAL BANCSHARES, INC. (FL)

I tried to open a savings account online, XXXX XXXX  took photos of my license and myself, then DENIED me an account. So I telephoned bank and they said the license was blurry and asked me to RETAKE the photos, So I did that. Then it got denied again. The drivers license has a watermark on it that shades the writing, but it is still readable. But the computer still said no and the man on the phone could not overwrite that decision. So I ask the bank to delete all my photos, my birthdate, my SS number. The Bank Rep sent me to a link for that request. HOWEVER. after completing that request I was sent to this website : XXXX XXXX XXXX The website replied : '' We are unable to process your request at this time. Only California residents are granted additional privacy rights under the California Consumer Privacy Act. For more information, see our Online Privacy Policy and Privacy Notice. '' This is unacceptable. They REFUSED TO DELETE MY PERSONAL DATA. This is IDENTITY THEFT! I am a CPA, have a credit rating of over 800 and am debt free. I am really upset by this banking entity 's invasive proceedures.
Consumer complaint received 2023-05-18
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: EQUIFAX, INC. (TX)

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. 

XXXX : XXXX, XXXX XXXX XXXX XXXX : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 2023-05-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (OH)

I opened a smart checking account with US Bank in XX/XX/2022. I opened the account online using their promo code XXXX. I read all the terms and conditions including the fine print before opening the account. The bank promised that I would be paid a bonus of {$500.00} if i open the account and meet some conditions like setting up a direct deposit and a cumulative deposits of {$5000.00} by 60 days of setting up the direct deposit and that my account should be in good standing. 

I met all those conditions within the first 45 days of my account opening. I then started to enquire about my account opening bonus by visiting XXXX XXXX in XXXX, calling up US Bank customer care at least 3 times and also had two on-phone appointments with XXXX XXXX XXXXXXXX XXXX XXXX. Every time I call them, they verify my details, validate the promo code and say that I met all the criteria and they are not sure why the bonus amount was not credited. They raise a Research Request with their back office and then say they will get back to me in a week or I would get an email response back from their team. But nothing happened. Its been close to three months my follow ups  are going in vain. 

I am now concerned and my confidence of getting my bonus of {$500.00} is fading. I would request your help in this regard. I am happy to provide more details like checking account number, name etc if you need them.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

I am writing to dispute the accuracy of the information on my credit report. After reviewing my credit report from your agency, I have identified several accounts listed with incorrect account numbers. I kindly request your assistance in investigating and rectifying these discrepancies. Below, I have listed the inaccurate account information : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX XXXX ) Account # XXXX reporting to Experian and XXXX and Account # XXXX to XXXX. 
Please note that these incorrect account numbers are not associated with my credit history or any accounts I have opened. I believe this misinformation could potentially affect my creditworthiness and financial standing, which is a matter of great concern to me. 

Also, the company that operates as a business under XXXX XXXX XXXX is not licensed to collect in the State of Missouri where I am a resident. I have attached their state licenses in the attachments. 

I request that you conduct a thorough investigation into these discrepancies and take the necessary steps to rectify the inaccuracies promptly. As per the Fair Credit Reporting Act, I kindly request that you complete the investigation within 30 days and provide me with a written response of deletion for violation of reporting inaccurate information regarding the findings. 

Furthermore, I also request that you update my credit report to reflect the accurate account information. Please ensure that any associated negative remarks or impact on my credit score resulting from these incorrect accounts and account numbers are deleted accordingly.

Enclosed with this letter are copies of relevant documentation, including my credit report highlighting the inaccuracies and any supporting evidence, such as account statements or correspondence.

I understand that it is your responsibility to communicate this dispute to the furnishing creditor ( s ) promptly. I expect that you will fulfill your obligations in accordance with federal regulations to ensure the accuracy and integrity of my credit report. 

I kindly request written confirmation of the receipt of this dispute letter and your acknowledgment of the investigation process.
Consumer complaint received 2023-05-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Army and Air Force Exchange Service (HI)

In regards to complaint number, XXXX, XXXX XXXX provided false information in a feedback response letter. That specific complaint was filed because the payment was tried again, even after I alerted the CFPB alleging potential check fraud/ that I disputed the transaction attempt. 

The company did not provide a response to this specific complaint. I will be in communication with AAFES to question their business with federal contracts in regards to AAFES. This needs to be made public and hopefully AAFES will cancel their contract with XXXX. 

Furthermore, I am posting this current complaint so XXXX does not attempt to send another check through at the end of this month, which I will not authorize. 

Again, as XXXX has stated they " take these matters seriously '', I dont think a FTC complaint is enough and I feel they do not take these matters seriously.
Consumer complaint received 2023-05-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CHARLES SCHWAB CORPORATION, THE (TX)

I received a bill for {$13000.00} from XXXX XXXX due XX/XX/2023. On XX/XX/2023 I submited to Charles Schwab bank to pay the amount in full by XX/XX/2023. On XX/XX/2023 XXXX XXXX cashed the check charging me {$340.00} in interest + {$29.00} fee. 

In talking with XXXX XXXX they state they cash checks on the day they receive them so they are not responsible. 

In talking with Charles Schwab they say that they mailed the check on or around XX/XX/2023 and it is not their responsibilty. They have provided me a letter to that effect. Also for some reason it is their policy to mail a check when the amount is over {$10000.00} instead of doing a transfer. Charles Schwab states they are not responsible because they mailed the check in plenty of time to get to XXXX XXXX. 

I have requested from both banks that they provide the postmark date. Both banks say they are not willing/able to do that. I requested from Schwab to pay XXXX XXXX in a timely manor. I followed all of the rules outlined and made the request in a timely manor. Neither bank is willing to take responsibility for this error, and I can not determine who is at fault. Did XXXX XXXX misplace the check and cash it late or did Schwab send the check late.
Consumer complaint received 2023-05-19
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: Experian Information Solutions Inc. (CA)

I Sent multiple letters off to dispute inaccurate accounts on my report. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 
ACCOUNTS : XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX ( original creditor:XXXX XXXX ) XXXX According to the FRCA, The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's 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, They stated my accounts were verified, but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate and according to the FRCA 15 USC 1681 everything has to be 100 % Accurate.