davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (UT)

I filed a complaint against Enhanced Recovery Corp on XXXX XXXX because ERC violated the Fair Debt Collection Practices Act by failing to send me notice as required by the law before putting this account on my credit report. Your case no. is XXXX. ERC 's response to you was as follows : " As a result of this complaint, ERC has updated the account as a disputed item and placed it in an investigatory status to prevent any further collection efforts. In acknowledgement of the dispute, we have requested the account be removed from all credit reporting agencies. Please allow up to 45 days for the credit reporting agencies to process our request. '' I called ERC on XXXX XXXX to confirm that a request had been submitted. XXXX XXXX XXXX (? ) of the Compliance Dept admitted to me on the XXXX that no such request had been sent ; that it would be sent on XXXX XXXX. I called XXXX and asked how the request would be processed and was told that the computer would automatically delete the account with no human processing required. I called all XXXX bureaus on Monday and the account had not been deleted. I called all XXXX bureaus today the XXXX and the account has not been deleted and they told me that no such request was received. I called ERC this morning and was told it sent the request electronically on the XXXX. ERC 's response to CFPB was that it had already sent the deletion request by the XXXX. It also lied to me because it told me it would actually send it on the XXXX. Since the account has not been deleted from any of the bureaus, it means the bureaus have not received such a request. So, as of XXXX XXXX, no such deletion was sent or completed. When I called ERC this morning it told me to wait 45 days. ERC knows as well as I do that if I had filed a dispute with the CB 's it would take 30 days to be investigated. That is not how a request for deletion is handled by the CB 's. ERC has not only been dishonest with me and you, it continues to break the law by leaving it on my report because the courts have ruled that putting that entry on my report constitutes collection activity which is not allowed once the account is disputed. This company operates in blatant disregard for the law.
Consumer complaint received 2015-04-11
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Delbert Services (FL)

I have been getting calls for the last year or so regarding a debt from Western Sky my husband and I took out in XXXX of 2013. I was unaware of the high interest rates on this loan and there came a point to where I could no longer afford to make payments. After getting calls from fraudulent lawyers stating that they were suing me for the debt owed I started doing some research. I was told XXXX different companies had my purchased my debt, when I called all XXXX companies none of them could give me a straight answer as to who now holds my debt and I can make a payment to remove said debt. I got a call this morning from XXXX .... told me that I will be having certified documents sent to my residence and that I had to show XXXX forms of id to receive said documents. I asked if XXXX XXXX XXXX could n't send me a pay off breakdown and a breakdown of my debt. I was sent a settlement letter from XXXX XXXX XXXX a few moments later with the settlement amount for the debt. I asked again for a breakdown of the debt it self and what all the charges were for, I got a voicemail from XXXX stating that he could tell me the amounts over the phone. So I called back and asked for the debt breakdown so that I know this company inst fraud. they would not provide me with this information. So here I am now filing a complaint. I want them to stop harassing me and provide me with the correct information so I can get this debt paid and removed.
Consumer complaint received 2017-02-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (SC)

back on or about XXXX/or XXXX of XXXX XXXX took me to court in lue of {$800.00} in which we agreed that I would pay them off in six months, which I did and to find out that they did n't uphold their end of the agreement by turning my name over to a creditor name Equifax stating that there is a judgement against me which was satifided in XXXX of XXXX, but is still on my credit report.Which should 've been removed and furthermore XXXX XXXX is no longer in business, and was contacted on XXXX XXXX XXXX by BBB. company stated they are out of Business.BBB report on a company that is out of business for three years from the date the company closes its doors or ceases to do business.Why are you as the creditor ( Equifax ) continue to uphold a judgement against me on my credit when I satisfied my debt with XXXX XXXX and I need this judgement removed from my credit and send me something in writing that this matter is settled and removed off my credit, thank you inadvance yours truly XXXX XXXX
Consumer complaint received 2017-02-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX is illegally reporting false information about me on my credit report. They are alleging that I owe a balance but when I attempted to contact them and resolve whatever claim they had, they refused to take any payment from me. I checked my report in XXXX 2017 and XXXX XXXX is still reporting that I owe a balance. I need to have this account removed from my record immediately as it is affecting my credit in an egregious manner. XXXX XXXX appears to have no interest in complying with the Fair Credit Reporting Act or the Fair Debt Collection Practices Act as I have previously contact them requesting proof of this debt numerous times and have not received any documentation or validation to date and they are refusing to accept payment from me but want to report delinquent information about me to the credit bureaus. They are also falsely claiming that I recently paid them {$110.00} which is also completely false and inaccurate.
Consumer complaint received 2016-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (AZ)

On XXXX XXXX, 2015, XXXX XXXX XXXX XXXX XXXX entered into a Consent Order with the CFPB regarding their litigation department collection calling practices, resulting in a refund of payments made as a result of these predatory practices. My account, formally with XXXX was settled in full, however, XXXX XXXX XXXX continues to report this as an active collection account. This false reporting is detrimental to my credit score, and it appears to anyone reviewing my credit report that I still owe money, and the account is in an active collection status.
Consumer complaint received 2022-10-01
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. (AL)

I recently went to XXXX about the account that says XXXX XXXX and I told them it wasnt my account. The address on the account doesnt even match the address on my profile. Considering this is wrong and is hurting my score I would like this item to be removed.
Consumer complaint received 2017-03-14
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: Paypal Holdings, Inc (CA)

I purchased several electronic gift cards on eBay from PayPal Digital Gifts ( part of PayPal ). Despite keeping the codes secure, when I went to use the gift cards I found they had all been used without my authorization. The total dollar value of the gift cards was {$1300.00}, across XXXX cards. 

After a quick search, it turns out that PayPal Digital Gifts had a web site glitch around XX/XX/2016 that allowed private data ( gift card codes, email addresses ) to be viewed publicly with a simple Google search. This problem was quite widespread and has been well documented across many web forums.
Consumer complaint received 2015-07-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (MD)

PayPal enrolled me in their PayPal Credit account with unclear and misleading information with a credit line, like it is a given because of my excellent history of using regular PayPal for online purchase. PayPal XXXX XXXX XXXX did a hard credit inquiry without my authorization ( nor did PayPal ever stated that they will ) so I did not find that out until I applied for mortgage refinancing and was informed the deduction of my credit score, hence the higher interest rate than I was initially informed.
Consumer complaint received 2016-02-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Ditech Financial LLC (IN)

I refinanced my home, my old mortgage company, DiTech, marked my account status as.. Paid/Account delinquent 60 days past due date/Late 60 Days, on my credit report. I have never made a payment 60 days late. I called DiTech and they gave me a fax number to send my dispute to them. The lady also said she does not show that I was ever 60 days late. How do I get this off my credit report?
Consumer complaint received 2016-02-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (DC)

I purchased a tire from Merchants on XXXX/XXXX/XXXX. They attempted to mount the tire and cracked the rim, The rims costs {$1000.00} each. After 3 hours working on the mounting operation they gave me the car. I alerted them that the sensor light was still displayed, they said it would go out. The tire blew out again. I had it towed back to Merchant the next day. They discovered the rim was cracked. They acknowledged it was their fault and welded the rim after telling me they would replace it. I rented a car since I was just out of XXXX and needed transportation. They refused to pay for a rental car. I disputed the payment and PNC decided there was nothing to substantiate my claim. I did not think it was fair to pay for the incompetent services. They cracked the rim using inexperienced workers. For three hours they allowed someone to abuse my car. The supervisor came into the service area saying they were struggling with the tire, and yet allowed this same individual to destroy my rim. After it was repaired I had another blowout and XXXX in XXXX saw the welded job and found additional hairline cracks that they repaired. PNC decided to reverse provisional credit for the third dispute against Merchants '. I received a letter on Tuesday XXXX/XXXX/XXXX that PNC would debit my account {$340.00} for a provisional credit they issued in XXXX XXXX. I told them I was not paying it and I disagree with their findings.
Consumer complaint received 2015-06-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (CA)

I had a catastrophic illness that permanently XXXX me. I lost my job and the bank said they would foreclose on my house in XXXX days. My daughter and I were both on the loan for the house as co-owners. This was our first home. Then we, XXXX at a time we declared bankruptcies and left the home. Never giving us a reason why PNC bank kept delaying the foreclosure for over XXXX years. Then in XXXX we were jointly sued in small claims for the HOA fees of XXXX of the HOA 's. The third HOA was the monthly fees and they filed a lien against the house. We do n't know if they recieved their fees from the final sale of the home on XXXX/XXXX/2014 when the title was finally transferred. We tried for years to get them to do a deed in lieu sign off but they would not do that. The Judge-XXXX at the small claims case, would barely hear our testimony and of course judged in their favor. The HOA did not bring ANY documents to prove the amounts of charged services. The judge said we should trust this lady to send us copies of all the amounts charged since the judge saw her all the time and knows she is reliable. We still have not received a thing and it 's been three weeks. Now the Small Claims court says we owe thousands of dollars on a house for HOA fees on a house that we were told to leave by the bank. We did leave. We would like to to know if this is legal what they did. Can we sue PNC for not foreclosing for over XXXX years because they did n't want to pay the HOA FEES? Should we appeal the small claim judgement?
Consumer complaint received 2016-09-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (MI)

Between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX a {$15.00} per month Service charge was leveled against my checking account for a total of {$180.00} prior to this no service charge was charged. I complainded to the bank on XXXX/XXXX/XXXX and they refunded {$15.00} and said sorry they could not refund the rest. After speaking to bank manager She said " No bank would give back the service charge. '' I wish to file a complaint and recieve all of the service charges returned. The bank offers a free checking for anyone over XXXX with no service charge at all. I am XXXX and very easily quialfy for this account
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (FL)

With Eqifax only i have a problem receiving my free annual credit report. 
When i contact Eqifax they reply by stating they have nothing to do with the website annual credit report.com and can not explain why i cant receive my annual credit report.
Consumer complaint received 2015-08-18
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: PNC Bank N.A. (VA)

My wife & I entered into a ratified contract on XXXX XXXX, 2015 with a seller to purchase our home in a short sale subject to approval of the first XXXX 1st XXXX trust lender, XXXX XXXX and the 2nd trust lender, PNC. 
On XXXX XXXX, 2015 the first ( 1st XXXX trust lender, XXXX XXXX approved the short sale and the 2nd trust lender, PNC, was to be notified of the approval ( see attached " Short Sale Approval by 1st Trust Lender '' ). 
PNC 's approval of the short sale was formally requested shortly thereafter. 
As of today, XXXX XXXX, 2015, XXXX XXXX XXXX XXXX weeks later PNC has not approved the short sale with a {$12000.00} payoff despite the lack of any equity for their 2nd trust loan. 
In fact, PNC has not responded to the calls and emails of the attorney for the seller for over a week ( see attached " Short Sale Status from Law Office of Seller XXXX '' ). 
I believe PNC has an obligation to approve the short sale in an expeditious manner. 
Please help us in any way you can to prod PNC to move forward on the short sale approval.
Consumer complaint received 2017-02-04
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (IL)

PNC Bank is fraudulently claiming a member of XXXX XXXX XXXX XXXX made an intentional unlawful withdrawal on a checking account that never happened. When they were notified on multiple occasions of the erroneous application of the charge for withdrawal to the XXXX checking account. The transaction was in fact executed for the withdrawal of {$500.00} against XXXX XXXX XXXX XXXX 's open business line of credit approved the day of, in person, at the local branch office. PNC was informed the repayment for the withdrawal of {$500.00} would be made as per the terms of the business credit line agreement as historically exercised since its open in 2005 ( at the time the withdrawal was made no notice was given of any denial, changes, extraordinary conditions or requirements, nor subordinate rules or procedures initiating as a result, apart or in addition to the terms of the business line of credit in good standing ). 

We believe, in retaliation, and to harm XXXX XXXX XXXX XXXX financially by refusing to correctly account for the withdrawal being made to our open business line of credit, and to negatively harm our credit standing, PNC bank has elected to communicate a materially fraudulent claim to a third party credit collection service and has refused to correctly account for the true nature of the transaction in dispute. We have stated the amount outstanding will be diligently paid under the credit terms existing at the time of the withdrawal of funds. Furthermore, by deceptive accounting of the transaction, libelous claim and potential sale to the third party credit collection agency, along with the additional claim of fees and penalties accruing, PNC is seeking to fraudulently enrich itself at the expense of XXXX XXXX XXXX XXXX, as well as needlessly harm its reputation and credit worthiness.
Consumer complaint received 2016-07-26
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (OH)

On XXXX XXXX, 2016 my wife and I attended a scheduled closing for the sale of our home in XXXX, Ohio to XXXX and XXXX XXXX. The loan was scheduled at noon to allow my wife and I to travel 2.5 hours from our new residence. Within 20 minutes of arriving, all the paperwork on our end ( sellers ) was completed and the buyers had completed theirs prior to our arrival. The title agency employee stated she had to contact PNC Bank to release the funds before the check could be given to us. She came back into the room numerous times, telling us that they were trying to get the funds released. Finally AFTER TWO ( 2 ) HOURS, funds were released and we received the check. She stated that she had another closing recently where the sellers were forced to wait three ( 3 ) hours before the funds were released. 
My complaint is that there is no reason for anyone to wait 2 or 3 hours for funds to be released when the loan is already approved and the bank scheduled the closing. My wife and I had plans with family before we left XXXX to return 2.5 hours to our home. These plans were forced to be cancelled because of the way PNC Bank does business when closing on the sale of a home.
Consumer complaint received 2016-06-14
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (KS)

We had an equity loan with PNC which was paid off thru a fraudulent foreclosure they put us thru. We were evicted and no longer live in the house this complaint is in regards to. I received today a change of address to our new house. " It states for security reasons we are sending this letter to the old address on file. Please notify us immediately at PNC if you did not request an address change. '' I immediately at the number given on the letter. I was transferred to XXXX different departments. Not one of them could answer my question as to why an address change was generated when I never requested one. I find this deplorable and also wonder what else they are doing. This is wrong is so many ways. One of the departments showed my account inactive but still showed a balance? Copy of the address change attached.
Consumer complaint received 2016-08-19
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (MI)

I am the LEGAL DURABLE POWER OF ATTORNEY for my mother and have this documented with PNC bank where my mom had a revolving equity loan line of credit. My mother had a XXXX last year.I had complained to CFPB about national City/PNC harassing myself and mom with sending statements to her and she was very upset. It was also upsetting me and I am very XXXX. My husband who is a XXXX veteran was also upset. I got a letter stating that they would stop. I, my husband and My mother was not to be upset. She is XXXX & widowed with a XXXX XXXX. I am XXXX XXXX and also have several medical problems and can not be upset. I was hospitalized with XXXX XX/XX/2016 shortly after receiving another statement. The statements continue.
Consumer complaint received 2016-11-23
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: PNC Bank N.A. (TX)

Regarding PNC Acct. No. XXXX. 

The purpose of this complaint is to compel PNC to delete the XX/XX/XXXX payment information currently reported by XXXX and XXXX regarding the above-mentioned account. 

Based upon data provided by PNC Bank, XXXX and XXXX currently report that the XX/XX/XXXX payment of the account greater than 30 days past due ; however, PNC Bank 's website reported a payment was scheduled to be made within 30 days of the XX/XX/XXXX due date. 

By default, PNC 's website displays a false " Next Scheduled Payment, '' which reports a false payment amount and false payment date, each and every month that a balance is due. 
By way of example, the attached Line of Credit Account Statement states that a payment of {$45.00} is due on XX/XX/XXXX. A screenshot of my account on XX/XX/XXXX states " Next Scheduled Payment : {$90.00} XX/XX/XXXX '' However, no payment was made on XX/XX/XXXX. 
I called PNC Bank 's customer service number on XX/XX/XXXX and spoke with a representative named XXXX, who stated that the XX/XX/XXXX payment being reported on PNC Bank 's website was an error. I also spoke to his XXXX, XXXX, who also confirmed that the payment being reported for XX/XX/XXXX was an error, and confirmed that the website contained an error. 

During the month of XX/XX/XXXX the website reported in the " Next Scheduled Payment '' field, that a payment in the amount of {$230.00} was scheduled to be made on XX/XX/XXXX, when in fact NO such payment was scheduled. 

PNC 's website contains an error, which is fraudulent and misleading. I relied upon the information provided on PNC 's website and did not take additional steps to satisfy the payment due in XX/XX/XXXX. As a result, PNC should delete the XX/XX/XXXX payment information with the XXXX and XXXX.
Consumer complaint received 2016-08-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (LA)

I received a letter stating the servicing of my mortgage is being transferred effective XX/XX/2016. My problem with this is I did not receive in writing until XX/XX/2016 ( 19days ) from current servicer and XX/XX/2016 ( 12 days ) from new servicer. I am currently set with biweekly drafts which will be ending XX/XX/XXXX, .... I called new service provider and explained my set up in which I am comfortable with. They informed me that I would have to repeat process of making 2 payments in one month in order to continue the biweekly draft because their system is not set up to collect half payments. This puts a bind on me and my family and undo XXXX. I really need help with this because too stay at the status I 've created will cost more money and that is not fair to a loyal consumers. Who make their payments.