davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-09
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. (AL)

In acordance with the Fair Credit Reporting Act ( XXXX XXXX XXXXXXXX XXXX ) ( XXXXXXXX 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 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 ) has violated my rights. 

15 U.S.C 1679 a, states i have the right to dispute inaccurate information in my credit report.

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, also states, a consumer reporting agency can not furnish my account without my written instructions. 

I DISPUTED THESE ACCOUNTS WITH ALL XXXX BUREAUS AND INFORMED THEM THESE ACCOUNT WHERE REPORTING INNACURATE INFORMATION AND THAT THE ABOVE ACCOUNTS WERE VIOLATING MY RIGHTS, AND SOME MAY HAVE BEEN THE RESULTS OF IDENTITY THEFT. HOWEVER, I WAS UNABLE TO GET ANY SATISFYING RESULTS.
Consumer complaint received 2017-09-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NM)

Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint regarding the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).

The lender has stated multiple reasons for a denial of this loan, including, but not limited to : denied for affordability, or not being able to create an affordable pmt for the loan, and that the client has multiple properties. The lenders reviews have not been consistent with the reason for the denial. the lender has also failed to provide detailed denial letters to the client or our office.
Consumer complaint received 2021-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (NC)

The Wyndham Rewards Earner Card was offered to me with 15 months interest free APR on balance transfers and all purchases. After several months, now this company is not honoring the interest free account on purchases as agreed. 
Also, they are attempting to rip me off the XXXX points I am due for listening to a Wyndham XXXX XXXX presentation last month. I was told the points would automatically be placed on my Wyndham Reward account. It was not. Now I am on online and there is no location in my account to " enter the 10 -digit Points Pack activation code. This is a rip off. There is no place in my account to place this code. This company is really corrupt. I regret the fact that Wyndham is so dishonest and many of their hotels are filthy. I want the XXXX rewards points added to my Wyndham Rewards account and for the interest I was charged returned by to me in the form of a check as soon as possible. I got this account to charge purchases interest free for 15 months. A very dishonest company!!!!!

I have called and called and no one from the Corporate Office will call me back.
Consumer complaint received 2018-01-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PROVIDENT FUNDING ASSOCIATES (VA)

On XXXX/XXXX/XXXX I received a loan application rejection notice from Provident Funding Associates ( PFA ), XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX, Va XXXX. The loan was requested for {$110000.00} though the house was appraised at {$160000.00}. My credit score was reported at XXXX. 

I was rejected due to roof conditions of the house as the only reason although a roofer repaired minor work to the roof for {$6500.00}. The repairs were paid for from my available cash funds though the licensed roofer 's report and the appraisal report said these repairs were minor and could wait. I had proposed an escrow arrangement with PFA as this HUD home purchase would not allow any work before closing, but PFA rejected that too. I would have waited to fix the roof as it was not necessary at this time, but did fix the roof after closing with a new lender. 

I pursued and obtained a loan through another company and was approved though repair of the roof was not a pre-condition.
Consumer complaint received 2021-08-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc. (GA)

On XX/XX/2021, I sent Franklin Collection Service, INC a letter requesting that they validate a second debt that they have reported to the credit bureau as belonging to me. 

Here is some information about the debt they claim I owe : Date Placed for Collection : XX/XX/2021 Total Amount : XXXX FCSI Case # : XXXX This letter was sent as certified mail. Here is the tracking information : Tracking number XXXX Delivered XX/XX/XXXX, XXXX XXXX XXXX, XXXX Instead of providing documentation proving the debt belongs to me and showing how the amount I owed was calculated, or an obligation to pay, Franklin Collection Service, INC. sent back a bill, attempting to use the bill that they created as proof that the debt belongs to me. 

Not only that, but they also furnished and sent ANOTHER document, placing the name of the original hospital they say I owe close to the center, in order to create the false belief that valid documents were sent by or with the assistance of the XXXX XXXX when in reality it was only sent by them which is in direct violation of 15 U.S. Code 1692j - Furnishing certain deceptive forms.
Consumer complaint received 2018-03-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NH)

On or about XX/XX/XXXX I received a letter stating that XXXX XXXX XXXX XXXX ( PRA, LLC '' ) had purchased an account and stated that I owed {$2400.00}. 

On XX/XX/XXXX I sent PRA, LLC a Debt Validation letter. 

On or about XX/XX/XXXX, I received a letter from PRA, LLC stating that they had purchased an electronic file from XXXX XXXX XXXX ( USA ) XXXX that contained information regarding an account belonging to me. 

On XX/XX/XXXX I sent a letter to PRA, LLC stating that I had no knowledge of them and the electronic file they claimed to have purchased, and asked them to produce all documents pertaining to this account. 

On or about XX/XX/XXXX I received a letter from PRA, LLC stating that more documents were enclosed. Documents enclosed were incomplete statements from XXXX XXXX, which I had never seen before. 

On XX/XX/XXXX I sent PRA, LLC another certified letter regarding their XX/XX/XXXX response. In this letter I stated that the incomplete statements appear to be from XXXX XXXX and not from PRA, LLC, and I had not seen them before. I also stated that if they are claiming that this account was established between myself and XXXX XXXX, and now they are claiming ownership, I asked them to provide the following documentation : A copy of the original contract agreement with my name and signature. 

Proof of ownership of the alleged account ( purchase agreement/bill of sale, purchase amount, and all documents that demonstrate clear ownership ). 

Detailed accounting beginning with XXXX  ( XXXX ) balance and ending with the alleged amount of {$2400.00}.

On or about XX/XX/XXXX PRA, LLC responded with another letter stating that additional documents were enclosed, but there were no documents enclosed, and that they had completed their investigation.
Consumer complaint received 2017-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

I received a letter from Helvey & Associates , Inc. for an alleged debt that I do not owe. When I called Helvey & Associates they were rude and hostile towards me in flagrant violation of the Fair Debt Collections Practices Act. I do not want any further communication from Helvey & Associates in any form. I do not owe them any alleged debt. They have flagrantly violated the Fair Debt Collections Practices Act with their abusive and hostile debt collection practices.
Consumer complaint received 2020-08-19
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: Experian Information Solutions Inc. (MD)

In late Fall XXXX there were fraudulent charges to my XXXX 's credit card. I reported the fraud to XXXX XXXX and was told not to pay the balance, that XXXX XXXX would take care of it. XXXX XXXX did not take care of it. When I received my next statement my account was marked as late with the charges remaining. I called XXXX 's again and was told not to pay, everything would be removed from my account. The charges were still on my next statement with additional late fees. This cycle happened ( call, be promised everything would be taken care of, find out things were not taken care of ) until late XX/XX/XXXX when I finally got someone to remove the charges. The charges were finally removed and XXXX 's sent me a letter saying they would remove all charges and fees and report the situation to all 3 credit reporting agencies. I should have stayed on top of my credit report, but I did not. Looking at my credit report in XX/XX/XXXX I noticed that the late notices are still on my credit report from XXXX XXXX. I filed a dispute with all 3 credit reporting agencies, uploading a copy of the letter XXXX 's sent me. I called XXXX 's to inquire as well. XXXX 's performed " an investigation '' and told me " the charges were made in XX/XX/XXXX and weren't paid until XX/XX/XXXX ''. I told them what actually happened, and was asked to fax them the letter that they sent me, because they did not have a copy of it. To reiterate : I had to fax XXXX 's the letter they sent me, because they did not have a copy even after their " investigation ''. I never heard from them again after sending a copy of the letter they sent me. My disputes with the credit reporting agencies came back " verified the information on the credit report is accurate '' even though the letter I attached to my dispute directly proves that it is not.
Consumer complaint received 2018-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Recovery One, LLC (FL)

On XX/XX/XXXX I used XXXX XXXX XXXX XXXX XXXX as a moving company. After moving, the movers quoted me {$460.00} the moving services including a {$20.00} tip. I provided them a credit card which they authorized and then they proceeded to write a receipt showing {$0.00} balance due. Fast forward XX/XX/XXXX, I checked my credit report and found that Recovery One LLC has placed that debt on my credit report. I immediately contacted Recovery One LLC by phone and was told to submit the receipt via email. I called back and confirmed that the email with the receipt was received, but will not be honored. When inquired why, the collector became argumentative and verbally abusive and finally threatening that the debt will stay on credit report no matter what.
Consumer complaint received 2020-05-31
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. (NY)

I am looking at my XXXX XXXX on XX/XX/XXXX. I noticed 2 inaccurate things one from the other day which is how I noticed it and another thing. This was 100 % not authorized by me. the first thing was a inquiry or something with XXXX  XXXX XX/XX/XXXX which i never applied anything for and another one on XX/XX/XXXX which i never applied for and is also never authorized by me. I have reached out to both companies and told them this is fraud and they said they will look into it. This is all unauthorized by me and i feel this should be off my credit profile as soon as possible under the fair credit act.
Consumer complaint received 2017-04-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

My  XXXX   XXXX   XXXX  mother requested a modification of a mortgage being serviced by Ocwen in   XXXX  , shortly after my father passed away. The tenants in the property were taking advantage of the situation where my father was  XXXX    XXXX    XXXX  and they would not pay rent. We tried to evict them for non-payment, but they used a local renters free legal aid program to take us to court, costing us thousands. Needless to say, this caused my poor mother much grief during a period where she just lot her husband of 53 years, and she was advised by a n Ocwen representative to stop making mortgage payments, so they could modify the loan. They then declined the modification request and advised my mother to sell the property on a short sale, which caused her much financial duress.The loan amount was approximately {$480000.00}.
Consumer complaint received 2017-07-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (SD)

On XX/XX/XXXX, I discussed with a PayPal representative about connecting our two PayPal business accounts. I told her I wanted to set up a 1-way automatic payment from the newer PayPal account to our primary PayPal balance, to which she said she would look into it and make that connection.
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Instead, and without our expressed permission, On XX/XX/XXXX PayPal automatically transferred the entire balance of our primary PayPal business account into a XXXX XXXX XXXX bank account that neither the business or its owners have access to. The PayPal staff member incorrectly, and I believe illegally, established a recurring daily transfer of the total PayPal account balance to that same XXXX XXXX XXXX account to which we did not give them permission.
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On XX/XX/XXXX I called and told them to turn off this " auto sweep '' function so no more funds would be withdrawn. The employee said he turned it off and we would n't have any issues. I also escalated the issue to a supervisor ( XXXX ) and asked to be reimbursed the funds that they unlawfully took out of our account. He told me that he would contact me no later than XX/XX/XXXX with a resolution, and I have yet to receive a response.
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Today, XX/XX/XXXX, a second " auto sweep '' payment left our primary PayPal account, but this time it went to a connected bank account that the business does control. Again, we did not give them permission to make any automatic deposits, we did not give them permission to send them to the bank account the funds were deposited into, and they said they cancelled the " auto sweep '' function two days before, so this should not have happened.
Consumer complaint received 2019-05-11
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. (WA)

Please Know that I have sent certified mail letters to all three major credit bureaus for a consistent 18 months ; XXXX, Equifax and XXXX. 

Incorrect and erroneous information continues to appear. I continue to be denied for housing to basic additional credit. Specifically : * A paid-off car that I haven't owned for over four years * Collections which are not mine and were proven that I have experienced identity theft * All credit cards have been paid-off * All car debt from the past year has been paid-off * All student loans have been paid consistently for over two years, despite incorrectly showing 'default ' and loans which were clearly consolidated.

Do know that I have sent final notices to all the bureaus with the intent to sue them in small claims court due to all the problems that they have wrought! I have followed the procedures, yet continue to be ignored. Further information includes incorrect names and addresses.

Why do these entities have no recourse from the government? Why aren't they held liable for the damages they due to people by continuing erroneous and incorrect information? Penalties and fines must be imposed with further accountability. People should NOT have to be subject to the games they are playing!
Consumer complaint received 2017-09-25
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. (GA)

I believe that Equifax are handing out randomly-assigned answers from their Potential Impact website : https : XXXX Entering both mine and my wife 's information twice, we both got different answers each time. As I am a semi-recent XXXX  to the US I do not even show up on their site, yet I still received two different answers from this " Potential Impact '' site.
I believe Equifax are attempting to appear competent in dealing with the backlash from this situation, but in reality, they are not.
Consumer complaint received 2024-02-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: PNC Bank N.A. (SC)

Opened up a virtual wallet account through PNC XX/XX/XXXX. I was told that there would be a service fee of XXXX dollars, which can be waived at least one of the following was met : XXXX average monthly balance in your account OR XXXX combined average monthly balance in other accounts at PNC to include checking, savings CD, loans, mortgage, or other investments. My lowest monthly balance on my checking account for this period of time was XXXX and XXXX for my savings. 

I was not charged a XXXX service fee in XXXX, XX/XX/XXXX and XXXX. Starting in XX/XX/XXXX I was charged {$15.00} per month. I did not realize these charges were occurring until today, XX/XX/XXXX. I was doing my taxes and checked interest earned and saw the fees. So my {$300.00} initial account balance is now {$130.00}. To add insult to injury they inactivated my account ( because of lack of fund balances ) but continued to charge me. 

I contacted the bank regarding this and asked why given my balances was I charged a fee? They said my virtual wallet account was never linked to my other PNC accounts. I explained that this issue was addressed when I opened the account and was specifically told I would not be charged the service fee. 

I requested a refund of these fees because of their failure to actually link the accounts and to close my account. The account was closed and they said they would give me a credit of {$30.00}, toward the fees.
Consumer complaint received 2024-02-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (WA)

I have already been hit with XXXX overdraft fees of {$36.00} each this year. Due to these fees it has put me in a position where this is going to continue to happen and only get worse. Any person with a shred of decency and understanding of what this does to people would do the right thing to help their customer to avoid this ongoing issue. Instead my bank, PNC, is showing that they are reliant on charging fees to pad thier annual profits to the tune of more than {$200.00} XXXX in XXXX. I have had this issue with them each of the past 4 years.
Consumer complaint received 2022-08-10
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: EQUIFAX, INC. (MN)

I have a couple things going on. 

I went to a car XXXX dealership and was already approved by my bank and had the cashier check to pay for my car. XXXX said that can give me a better rate with XXXX if I finance with them. I was informed that they would only pull my credit once with XXXX and I was approved for a loan through XXXX but I realized that I had a lot more inquires on my report that I did not authorize or didn't know about. I called my sales rep and asked about the inquires and I was advised that they were looking the best rate even without my permission and they would consolidate into one inquire. I has been over a year and they are still there. 

Equifax Credit Report XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX Chr XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX fin XX/XX/2021
Consumer complaint received 2018-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (NC)

company is attempting debt that does not belong to me which is causing a tremendous decrease in my credit score. I value my credit and have put blood, sweat and tears and achieving the positive score that I have. The agency is collecting for XXXX XXXX XXXX whom i currently have auto insure with.
Consumer complaint received 2018-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am writing presently in wish to gain your help. At the present time I am working on going over my credit, paying down my balances, and pursuing greater credit worthiness. You play a significant part in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX, XXXX and XXXX ) on XX/XX/2016 and I am submitting this in order to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX - attempted to place credit freeze on experian account. Received a reply to provide information to verify identity. XX/XX/XXXX - attempted to upload ( XXXX ) the information that they requested, and there system will not accept the information. I have frozen my report with XXXX and XXXX XXXX with out any problems This company is very difficult to deal with, and you cant talk to anyone