davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-09
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A. (MD)

I am writing this in regards to my loan application that was declined by PNC bank. They already gave me the {$81000.00} in 2006. In XXXX i submitted an application to convert the load from a HELOC to a XXXX mort. as they had contacted me telling me the loan was coming due and needed to be renegotiated., so i complied and submitted all my information. 
When i initially applied i wanted to be sure they knew what had happened on my first mortgage, that i had been contacted by XXXX and they had offered to modifty my loan by {$120000.00}. In the decline note from XXXX XXXX she stated " that i had a modification on the HELOC which is incorrect ''. I was startled and amazed to the point that when XXXX offered the modification that i sent the documents to my attorney to review to be sure this was not a scam. She told me to sign and return them immediately and that they were one of the banks that had their hand slapped and " lucky me '' I was one of the lucky ones to benefit. It does not feel as much like a benefit now. 
I am a XXXX old, single woman, and I want to retire but i need this in place so i may but now that PNC has declined my app due to the modification I will be in a very difficult position. 

Why would a bank that has already given me the money 10 yrs ago turn me down now, my credit score is XXXX, i am making double payments to them and have not had a late payment in many years anywhere. 
I need help, how can i get a loan for XXXX when the bank that already gave me the money turns me down. Why would a modification that i did not apply for affect my situation? 
Please help me any way you are able. Thank you XXXX XXXX
Consumer complaint received 2017-02-11
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (MD)

Over the years I have enjoyed doing my banking. However, over the years when I walk into a bank, I am constantly being solicted for products. It seems as though the employees are even uncomfortabel trying to push sales on customers. The retail banking environment has completely changed.
Consumer complaint received 2016-09-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (PA)

On XXXX XXXX, 2016, I deposited XXXX checks totaling more than {$15000.00} in an ATM machine at a PNC branch during business hours. The checks jammed. The PNC employees were able to retrieve the checks and they sent them in to be processed. They filed a " dispute '' report even though it was their fault. A few weeks later they issued a provisional credit that was {$5.00} less than the amount that was originally supposed to be deposited to my account while they investigated. I noticed that the original checks had cleared but that they were not in my checking account. Note : XXXX of the checks was drawn from PNC (! ). XXXX would think it would be easy to trace for PNC. I received a letter saying to send copies of the cancelled checks in to PNC. I sent them by certified mail to the address that they mentioned in the letter and received the US Postal confirmation to show that PNC received them. I received a letter dated XXXX XXXX, 2016 saying they would be withdrawing the provisional credit on XXXX XXXX, 2016 and that they had found no errors. I went to my local bank branch to complain about this. The PNC employee that I spoke with, sent copies of the cancelled checks and receipt from US Postal Service into the PNC XXXX XXXX. She said that she could not prevent the bank from taking out the provisional credit out of my account right away. It would take several days. My husband had to write a check to prevent any checks from bouncing since we would be leaving for XXXX in a couple days. Finally, on XXXX/XXXX/16 the provisional credit was issued to my account for the full amount. But as of today, XXXX/XXXX/16, they are still investigating it and the checks have not been deposited. I received a letter from PNC dated XXXX/XXXX/16 stating that they need copies of the cancelled checks. If they do n't received them by XXXX/XXXX/16, they will " base our decision on the information available ''. I take this to mean they will reverse the provisional credit again. 
I told the PNC employee at my local branch on yesterday XXXX XXXX/XXXX/16 XXXX and she recent the cancelled checks once again.
Consumer complaint received 2016-05-07
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (DE)

I was a recipient of a UDAAP violation wit PNC Bank. I received XXXX overdraft fees due to a deception with account information in the contract. I currently have overdraft protection on my checking account. but when I switched too XXXX checking accounts and a savings account my overdraft protection only covered my main checking account. This information was not shared with me in my initial contract or when a similar situation happened last year. I received my overdraft fees on Thursday XXXX XXXX and my direct deposit was received on Friday XXXX XXXX. I had XXXX transactions on XXXX XXXX and I was fine letting the transaction go through because my overdraft protection would pull the additional funds from my savings account. I had plenty of money to cover the overdraft in my savings account. I tried to resolve the issue directly with PNC Bank but they are refusing to further investigate the call that was done exactly a hear ago and if the representative explained the limitations of my second checking account. As I first stated this is a UDAAP violation of my protective rights as a consumer. The contact was deceptive t explain my account limitations of overdraft protection and the representative was deceptive by not explaining the detail of my contract when the situation happened a year ago. I was only informed about this on Friday XXXX XXXX in detail and now understand.
Consumer complaint received 2016-03-28
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CT)

Over the past couple of years I 've been contacting Champion Mortgage to apply for a repayment plan in order to catch up on my back taxes. I sent hardship applications on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and never received a response from Champion. I also sent letters to Champion in XXXX and XXXX XXXX, and more recently on XXXX XXXX, XXXX to try to arrive at an arrangement. Champion never replied to the letters.
Consumer complaint received 2015-09-12
Product: Credit card — 
Issue: Payoff process — 
Company: Paypal Holdings, Inc (TX)

I used paypal credit to purchase some plane tickets. I received a promotion that said I would n't be charged interest for 6 months. If I paid the total amount before 6 months were up, no interest would be charged. I have no idea when my 6 months are up because I was n't able to access the billing statement on paypal.com. I 'm assuming that since I bought the tickets last month, I have till XXXX 2016. I tried to go in today to make a payment but I could n't. Paypal faqs state that the link to make a payment is under the " Money '' category. There was nothing there. I tried logging in through BillMeLater and it directed me to the same paypal page with the same instructions. No matter what I did, I could not find a way to make a payment. Finally, I remembered receiving an email saying that my statement was online. I clicked on the link in the email and it took me to the right place. I should n't have to resort to last ditch efforts like this. If paypal is going to be issuing credit then it needs to stop hiding the payment page.
Consumer complaint received 2015-07-08
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TN)

I sent an email to the office that is trying to collect from me. After they received my email they proceeded to call my phone XXXX times in a row while I am work. I can not answer the phone and could lose my job over that. I did leave a message with the lady that answered the phone at your office. Since I can not take calls at work and your office is closed when I get off I asked her if I could email you. These people are relentless and have told me that they call the law office today and the trustee and was told that your office has no idea who I am. I made an offer to pay this account and they did n't take my offer the man ( Director @ XXXX XXXX will answer that number ) advised me that he would see me in court and slammed the phone in my ear. Please advise me on what I can do at this point, I am not refusing to pay they are just really rude and abusive when I talk to them. XXXX, XXXX XXXX, NY XXXX Phone No. : XXXXXXXXXXXX Fax No. : XXXX
Consumer complaint received 2021-03-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc (MO)

on XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX stating that acct # XXXX XXXX Ref # XXXX Debt Description : PAYPAL ACCOUNT Amount of Debt {$61.00} needs to be paid & the options I have to settle this debt. 
I contacted Papal at XXXX & was transferred to the collection department when I supplied the account # on the letter. They stated this was a fee for a transfer deposit totaling over {$2500.00} to this PayPal account from XXXX XXXX for some sort of custom knives in XX/XX/XXXX. She suggested that maybe I sell things like on XXXX, which is incorrect. I have never used Paypal to sell things. There is a charge of {$61.00} fee to receive the funds. I inquired what bank account this PayPal account was linked to as it is separate from the legitimate PayPal account that I actively use. She stated this account was never linked to a bank account & she asked me to verify my email address. I gave her my email address XXXX. She said that does not match the account but she would be unable to provide any more details regarding this account because it was sold to XXXX XXXX. I requested to close the account so it may not have further use & she stated that XXXX XXXX would assist me with that. If I want details & proof of the debt/transactions I have to contact XXXX XXXX. She gave me the # to contact them at XXXX. 
I contacted XXXX XXXX at the number provided PayPal per their instruction. XXXX XXXX required I give them my personal information which I did not feel comfortable doing just to talk to them regarding the debt. Then stated they do not have any details regarding the debt, nor can they close the account. They just know the balance & are seeking payment of the debt. They can not provide proof of the debt. The notice I received in the mail says I can request proof of debt from XXXX XXXX. He then stated he would be marking this as a disputed account & no further action would be taken until the investigations team could take a look at the account. I requested to speak to someone on investigations or anyone that could give me more information & he just reiterated that they do not have details regarding the debt & said this will be referred back to PayPal for payment & resolution. I should receive a letter from the Investigations team around 60-90 days from now detailing the outcome of the investigation that I apparently don't need to play a role in according to PayPal & XXXX XXXX.
Consumer complaint received 2017-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (NC)

I financed the purchase of   XXXX    XXXX  through CARECREDIT / SYNCHRONY BANK for {$2100.00}. Apparently, when I enrolled in autopay, I selected the option to have the Statement Balance deducted instead of the Minimum Payment Due. I discovered the issue when my checking account was overdrawn. I reported the issue to CARECREDIT / SYNCHRONY BANK in an  18 minute 3-second phone call  on  XXXX   XXXX ,  2017. Thre  e  weeks after reporting the issue I have not received a refund. I called two more times and filed a written complaint to   XXXX   XXXX   XXXX  .     I was originally told it would ta ke 8-15 da ys to process a refund. Most recently I was told the check had been mailed and that I could report it as missing and they would process the refund again after they verified the check had not been cashed. In other words, the process would begin again. It is inconceivable to me that a financial services company would send a check for more than {$2000.00} without any tracking.     In short, CARECREDIT / SYNCHRONY BANK has been inordinately slow, irresponsible and negligent in processing a refund. In the meantime, I am paying interest for {$2100.00} overdraft protection through my bank. I would greatly appreciate it if you could persuade CARECREDIT / SYNCHRONY BANK to expedite the refund process and send the check with overnight delivery and tracking.
Consumer complaint received 2016-12-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (SC)

Sent my personal information to third party without my approval and havent reached out to me personally about any debt i owe. Its not my debt i paid what was due for cancellation when i cant elled my sercvices but on my credit report it shows that i owe XXXX different collection agency.
Consumer complaint received 2015-08-04
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc (VA)

I had a balance left over from XXXX university which I could n't pay because a loan I applied for did n't get approved XX/XX/XXXX. After graduating and securing a job I was able to pay the balance in full to the collection agency William and Fudge XX/XX/XXXX. I received an email confirming that the balance was {$0.00} and subsequently sent an email to the school to confirm payment was received. " XXXX '' from XXXX XXXX 's bursar office confirmed receipt of full payment. I called William and fudge to let them know that I had paid and to report the account as paid to the credit bureaus, to which they said It would show as closed in about a week. Fast forward couple months, they still did n't update the account status with the credit bureaus and the account shows as open. I am unable to apply for loans and this issue has been causing damages to my credit score.
Consumer complaint received 2016-06-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (CA)

I was told by a XXXX agent that I do n't ow them anything and the next months I received a bill I told them that it was not possible since I was already told not to pay. Then I started receiving calls from ERC and I did tell them about the issue I thought they were going to talk to XXXX and next thing I know they place it on my credit report.
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CT)

THERE ARE XXXX BANKRUPTCIES REPORTING ON MY CREDIT STATING DISMISSED IN XXXX & XXXX THAT DO NOT BELONG TO ME. THE CREDIT REPORTING AGENCIES HAVE REFUSED TO DELETE, NOR PROVIDE PROOF THAT THESE ITEMS BELONG TO ME. THEY ARE HURTING MY CREDIT AND WONT ALLOW ME TO QUALIFY FOR A MORTGAGE. THEY SHOULD NOT BE ALLOWED TO REPORT INACCURATE INFORMATION THAT CAN CAUSE DAMAGE TO A PERSONS CREDIT.
Consumer complaint received 2017-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (DE)

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 These address do not belong to me my address is XXXX XXXX XXXX XXXX XXXX XXXX just like it is listed on my credit report. Anything else other then what I stated above do not belong to me and is not my address.
Consumer complaint received 2016-06-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (KS)

I have disputed with Experian already and still they do not have the correct social on file, I even gave them a copy of my card. Please help, there are also items listed that I have never seen before I am thinking they are attached to this social. Please help the social they have on file XXXX which this is not my last XXXX.
Consumer complaint received 2016-04-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NY)

I have an illegally obtained judgment from XXXX on my Experian credit report. I have disputed this multiple times with no success. XXXX has reached a settlement based on these judgements and is no longer allowed to pursue them. The law firm XXXX who obtained the judgement for XXXX no longer exists and stated the account is closed. This judgement is removed from my Equifax and Transunion Credit reports. Despite this judgment I have submitted documents from XXXX including the agreement with the government, and have recieved a mortgage in the amount of {$800000.00} to purchase my current home. This has gone on long enough and I really need help to rectify this situation. This illegally obtained judgment is seriously impacting my financial well being.
Consumer complaint received 2015-10-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (WV)

According to the Fair Credit Reporting Act ( FCRA ) the consumer reporting companies role is to review the accuracy and completeness of any dispute by contacting the source ( creditor/s ) and to inform the creditor/s of all relevant information regarding consumer 's dispute. For over XXXX year I have asked why the XXXX XXXX Account is being reported as an adverse account or an account that may be considered negative. The credit agencies have failed to address this very issue. The only responses received from the credit agencies are that the XXXX XXXX account is being reported accurately. 
I have written letters to XXXX XXXX asking why account is being reported as an adverse account or an account that may be considered negative. XXXX XXXX concluded that they have certified that account is reported accurately as open/current with no delinquencies. 
A letter from XXXX XXXX stated that their responsibility to their customers is to report accurate payment history and that they have no control over how the information is interpreted by the credit agencies. 
Why are the credit agencies insist on reporting XXXX XXXX Account as an adverse account or an account that may be considered negative? These credit agencies have yet to address why account is being reported in this manner. Reporting account as an adverse/account that may be considered negative is having a negative impact on credit scores.Items found under accounts that may be considered negative include late payments, charged off or sent to collections, bankruptcies, liens and judgments or account that are not necessarily negative, but that a potential creditor might want to review more closely. XXXX XXXX account does not fit any of these categories.
Consumer complaint received 2016-03-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

I am formally requesting that the CFPB investing this matter. I do not feel that Experian 's XXXX system is sufficient enough to handle this matter. Please note that I am a XXXX Veteran XXXX This item does not belong on my credit report.
Consumer complaint received 2021-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CT)

On XXXX I noticed several charges to my Wells Fargo XXXX  XXXX XXXX XXXX with a description of " ONLINE PAYMENT ''. For example a charge of {$52.00} was made on XXXX. I contacted the customer support team at ( XXXX ) XXXX on XXXX at XXXX XXXX  Eastern time to determine what had happened. 

The customer service rep advised that there was a bug in online banking and it was crediting online transfers from my checking accounts to my credit card multiple times in error. She believed the bug had been fixed and the corrections had all posted. 

Later that day more corrections began appearing some with transaction dates going back six weeks before the posting date. For example a " BANK ADJUSTMENT '' of {$87.00} posted on XXXX with a transaction date of XXXX.
Consumer complaint received 2016-12-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (NJ)

In regards to Experian, I disputed unauthorized hard inquiries that was sent via Certified Mail and Return Receipt on XX/XX/2016. On XX/XX/2016, the letter was delivered and signed for but to date, no response from Experian.
Consumer complaint received 2016-05-23
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OH)

I recieved a payday loan to help pay for bills while i was out of work from a car wreck in 2014. I was out of work for 5 months and a settlement against the man that hit me is being processed. I couldnt be homeless with my daughter. I have made some payments to them but they said it doesnt count. Since then, I have been Receiving threatening emails saying they are sueing me and making an arrest warrant for me. A few months ago I tried settling with them and the yelled at me and harassed me and my work place.
Consumer complaint received 2017-01-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (ND)

I am a victim of identity theft and have been a victim of identity theft for over XXXX. I have some unauthorized and fraudulent credit inquiries listed on my Equifax Credit Report do n't belong to me. The following credit inquiries are unauthorized and fraudulent : XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX. The following address do n't belong to me : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX and XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX
Consumer complaint received 2016-03-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NH)

XX/XX/2015 I recieved results from Equifax stating XXXX-XXXX was not reporting on credit file XXXX not reporting on credit file XXXX XXXX not reporting on credit file XXXX not reporting on credit file. 
I have attached the Equifax Results from XX/XX/XXXX with Equifax stating that. 
After a couple Equifax has let the items come back on my credit report without proper notification of the 5 days per FCRA 611 15 U.S.C 1681I. 
You have clearly violated my rights and I am being denyed credit.