davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (WY)

The Attorney for my mortgage company ( XXXX XXXX XXXX XXXX XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass-Through Certificates, XXXX XXXX ) failed to send crucial and extremely important documents to my husband and myself. This despicable tactic took place both in XXXX and XXXX of this year. While in the middle of a judicial court battle, this attorney certified that on XX/XX/2019, a true and correct copy of the Memorandum of Opposition was served by U.S. Mail, first-class postage prepaid, to my husband and myself at our address. These documents NEVER arrived in the mail. When we inquired of this attorney, she claimed she was not required to send these documents as certified mail, which would have the ability to be tracked. She stated in an email, the following, " The package gets prepared and then sent to our clerk to mail out. It goes out via regular mail. It is not anything I can track. I do have the pkg I scanned in and sent for mailing, along with my signed certification that it was mailed out. There wouldnt be anything else I can provide youas it is not certified mail, nor is it required to be. '' This despicable tactic again took place on XX/XX/2019, as this attorney certified that a true and correct copy of the Motion for Summary Judgment was served by U.S. Mail, first-class postage prepaid to both my husband and myself. Once again, these documents NEVER arrived in the mail. When we again contacted this attorney as to why she never sent these documents to my husband and myself, she stated in an email, the following, " Here is a copy of the Motion for Summary Judgment we filed, mailing certificate on page 78. Certified mail is not required, only regular mail is. I dont have tracking I can provide you, all that is required is the certificate of mailing. '' Ironically, these documents arrived to our local court with no issue. It would be literally impossible for all 4 of these mailings to have been lost in the mail which were SUPPOSEDLY sent separately to my husband and myself. The XXXX mailings were 79 pages. The type of packaging these 79 pages would have required should have a bar code and should be very easy to track through the postal service if they had in fact been mailed.
Consumer complaint received 2020-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a Bk Chap XXXX thats was discharged on XXXX XXXX that a few accounts have reappeared on my credit as NEGATIVE and reporting as Late over 120 days, and over 150 days and Collections. Ive contacted the companys and I was told there look into it can take 30 to 35 days and XXXX  and XXXX can take up to 90 days to update my credit reports. These companys are putting it was in BK then on time there saying LATE,. COLLECTION etc, and there showing all the months I was late 1. Capital One Bank there reporting in Status as ( Late over 120 days ). As of XXXX. 2. Kevin Jewelers there reporting in XXXX status as ( Collections ) as of XXXX. 3.  XXXX XXXX got cleared up BUT XXXX  still reporting ithis account as NEGATIVE when it was discharged in BK 2 years ago 4. XXXX   XXXX XXXX is on my XXXX  report as a Negative account on my credit report when they were discharged in BK Ch XXXX two years ago 5. XXXX XXXX  is being reported as Over 150 days late with a late balance of {$1200.00} When it was changed to Current With nothing Past Due 6. XXXX XXXX XXXX  is being reported as NEGATIVE when they were Included in BK and discharged Two years ago
Consumer complaint received 2020-01-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pendrick Capital Partners Holding, LLC (MO)

XX/XX/19 I received a letter in the mail from Affiliate Asset Solutions LLC stating that this was an attempt to collect a debt. The amount due was {$1000.00} and that the original creditor was XXXX XXXX XXXX. The first sentence in the letter says Pendrick Capital Partners II LLC has purchased the account referenced in this letter. Yet the letter is from Affiliate Asset Solutions. 
XX/XX/19 I recieved a letter in the mail that stated it was a debt and that I owed {$460.00} and that the original creditor was Pendrick Capital Partners LLC. Why is this company using 3 different names referencing them all back to each other. 
I mailed a letter back to Affiliate Asset Solutions which I am attaching requesting them to verify the debt. The back of the letter they sent me specifically states what I was allowed to request within 30 days. And I requested exactly that so I could verify this was even a valid debt that I owed it. I received a letter back which looks to be a scanned copy of a bill. Which seems to be fake. 
# 1 I should have also received this bill. It is clearly addressed to me and my address. No such bill ever came to me. 
# 2 This is supposed to be a itemized bill as their letter says that is included with the bill, the bill is for {$1000.00} and only 1 thing is listed for the charge. If this was a real bill there would be more than 1 line item billed for. 
This is not a real bill nor enough for me to verify I am connected to this debt alleged. 
# 3 the address on the bill is from a place in XXXX XXXX Nevada ( I live in MIssouri ) but it has printed in caps letters THIS IS FOR SERVICE AT XXXX. I do not feel any of this is acceptable.
Consumer complaint received 2019-12-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

I had a minor account at Wells Fargo with my XXXX XXXX XXXX niece and there were fraudulent deposits in the thousands of dollars and fraudulent charges as well on her Wells Fargo account. My niece did not make these deposits or charges which should have been obvious to the bank if they had caught on to her usual charges which are average for a teenager and her previous months history. 
The bank was negligent in picking up this activity and contacting my niece to verify the activity. Additionally, when we disputed the charges by letter ( including a police report we filed ) they denied the claim because according to them the card was in her possession and that cards with chips can not be duplicated! This goes to show how out of touch they are and behind the criminals moves. 
The bank has not returned the {$190.00} that is the balance when we deducted the fraudulent charges and deposits.
Consumer complaint received 2021-12-17
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: ASSOCIATED BANC-CORP (OH)

I went into a company to purchase a car with a check in my hand from my credit union I dont know why the other company are on my report. I made Several attempt to have them removed off my credit report they told me I had to write a letter and then write to the credit bureau to have it remove why I have to write to credit bureaus when they did this without my permission.
Consumer complaint received 2020-01-06
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc. (MA)

I bought a {$500.00} visa gift card issued by BlackHawk Network , Inc on XX/XX/XXXX. 
One week later, I didn't receive it and I asked customer service for help. They told me to wait for 15 business days. 
On XX/XX/XXXX, I still didn't receive the card and I asked customer service to open a case to reissue the card to me. 
On XX/XX/XXXX, they told me the card has been registered and used and the only way I could do is to start a dispute process. 
On XX/XX/XXXX, I called their dispute team and tried to open a dispute case. However, their dispute team told me since I didn't receive the card and they can not honor a dispute process. 
There are several questions : 1 ) They said the card is activated under my name. However, the information needed for registration is card number, expiration date, 3-digit code on the back of the card, cardholder 's name and address. All these are either directly on the card or on the envelope. They can not prove it is me who registered the card since they didn't verify through a phone call, text or pin. 
2 ) Since it is impossible to prove it is me that registered the card, all the transaction made via the card is not authorized by me. 
3 ) They refused to dispute and reissue the card and thus I believe this is a fraud company.
Consumer complaint received 2022-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (IN)

I was contacted by PNC via a letter. I was notified that I needed to sign a new signature card as my spouse had passed away over three years ago and the joint account needed to be modified. PNC requested I come into the branch and bring the death certificate and sign a new signature card. The letter warned that I needed to rectify the matter else the FDIC couldn't adequately insure the account. 

I scheduled an appointment with PNC on three ( 3 ) different occasions. With each appointment, the PNC Banker, was not present as scheduled. On at least two ( 2 ) occasions the PNC Banker was XXXX XXXX XXXX ( " XXXX XXXX '' ). She argued that with one appointment, there was a misunderstanding as to the day. I don't have any mental impairments and wrote down the date of the appointment as it was scheduled. On the last appointment, I went on XX/XX/2022, at XXXX and was told again, she was not present. In fact, no banker was present. The teller present contacted XXXX XXXX and she asked that I wait another hour until she could arrive. I was not told why she was even late. There was no weather issue on the date of my appointmt. Additionally, the teller was not even aware that I was even coming in for an appointment with XXXX XXXX. Later, XXXX XXXX told me that she was late because " life happens ''. 

I am an older woman who does not drive. With each trip to the bank, I had to take time out of my busy schedule and contact someone to take me to the bank over an issue that should not prevent me from losing my account or insurability of my account. 

With my numerous trips to the bank, XXXX XXXX should have proposed another way to resolve this matter, be it me proving the needed information to another individual at the bank and then sending me the signature page to sign or requesting I send in the documentation needed. 

I was not happy that in my conversation with XXXX XXXX, she lied that there was a misunderstanding on the date of one of our initial appointments. She simply was not present at the bank on the date of the scheduled appointments. She also lied after the most recent appointment and said she told the teller that I could leave the necessary death certificate with the teller. The teller never communicated that to me or my daughter who I called for assistance once I learned once again that XXXX XXXX was not present. 

PNC needs to ensure there is adequate staffing to resolve issues. Also, PNC needs to have employees that are solution oriented. I have banked with PNC for well over 40 + years. It was already hard to lose my spouse of well over 40 years but to have to continue to go to the bank and not be able to remove his name from our account ( which should be a minor inconvenience ) only adds to the stress of his loss. I need the PNC located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX to do better in serving its customers.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

Due to the change in the New York Statute of Limitations bill signed by Gov. Kathy Hochul into legislation in XX/XX/2021 as a provision of the Consumer Credit Fairness Act which states the statute of limitations of been cut to three years from date of last activity.
Consumer complaint received 2020-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MD)

I REQUESTED A COPY OF MY CREDIT FILE WITH EQUIFAX IN XX/XX/2019. AND I RECEIVED A LETTER FROM THEM SAYING THAT I DONT HAVE A FILE. HOW I THIS POSSIBLE WHEN I SEE A FILE ON XXXX XXXX?
Consumer complaint received 2020-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

In XX/XX/2019 I applied for a savings account with XXXX XXXX XXXX. I was rejected because of a credit freeze I paid for adding a credit freeze and then I paid again to take off the credit freeze with Equifax about 5 years ago ... because of problems like this. In XXXX Equifax told me there was no freeze on my account. 
I just applied for a savings account with XXXX. I was rejected because of a credit freeze. 
I called Equifax and told them they had to fix their records and I can not conduct any financial business with Equifax reporting a freeze on my account. I spoke to XXXX, a manager at Equifax ( XXXX ) and he refused to help because his system was down at XXXX PT in the morning on a XXXX. I told him to take down my info and fix it later. He refused. 
Equifax needs to delete any freeze on my account. They are materially impacting my financial stability by denying me the ability to open and close accounts.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Due to the change in the New York Statute of Limitations bill signed by Gov. XXXX XXXX  into legislation in XX/XX/2021 as a provision of the Consumer Credit Fairness Act which states the statute of limitations of been cut to three years from date of last activity.
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My auto loan is showing late payments when it is not actually late. As well as the balance is incorrect. I have checked all three credit bureaus and all three information is inaccurate and show different information. From the comments, to date of last activity, to months reviewed. As well as I saw a recent article from the CFPB in regards to XXXX XXXX reporting incorrect information on auto loans. My auto loans is with : XXXX XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2022-12-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX are in violation of the following Debt Collection Rules by the Fair Debt Collection Practices Act ( FDCPA ) that became effective on XX/XX/2021. 
Failure to provide a statement that the communication is from a debt collector. 
Failure to provide an account number associated with the debt. 
Failure to provide an itemization of the current amount of the debt that reflects interest, fees, payments and credits since a particular date, the itemization date. 
Failure to provide the current amount of the debt as of when the validation information is provided. 
Failure to provide me with information about your debt collection rights. 
Failure to provide me information on how to dispute the debt. 
Failure to send a notice that include a tear-off form that you can send back to the debt collector to dispute the debt or take other actions.
Consumer complaint received 2019-02-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (TX)

I was contacted by ProCollect regarding an apartment that I gave early notice to due to health and safety reasons among many others. I told ProCollect I didn't agree with the charges and they told me to fax them a letter of denial/appeal, which I did. I faxed this letter of appeal on XX/XX/XXXX. I called to check on the status of my appeal and was told by Ms. XXXX at extension XXXX that she didn't see my letter in the system yet but not to worry as it takes time to get put into their system for the collection agents to see that. She said they would call me back. Next call I get from Pro-Collect was from an agent that knew nothing of my appeal letter and didn't seem to be interested in looking for it so I asked to be transferred to Ms XXXX but was hung up on instead. I tried calling back but was rudely put on hold till I finally hung up as i had no more time that day to hold. The very next day I get an alert from XXXX XXXX that a collection was put on my credit. This company denied me my right to appeal this debt before damaging my credit. I am a good steward of my credit, and this is the only blemish I have and it was put there in denial of my rights. I am outraged that these companies are allowed to operate as if they make the laws, and people have no rights. I am sure that my rights have been violated. My appeal was never heard before damaging my credit for the next 7 year of my life. I can provide the appeal letter sent to them as well as proof of fax that I received showing it went through to them. As I am writing this, Pro Collect called again and care nothing of the fact that I sent them a letter of appeal. They are like robots that read a script and threaten you without actually listening to anything you say. Shame on these people, and shame on a system that allows people to be treated so poorly. I have excellent credit and have never defaulted on anything in my life. These collection calls are new to me, and I am now realizing how people are treated as if they have no rights. This is barbaric and has got to stop.
Consumer complaint received 2024-04-10
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (NC)

I was in a tight spot and needed a car. The only place I could get approved for the down payment I had was US Auto. I paid every payment on time but that was basically just so they wouldn't shut my car off apparently because my balance barely decreased. After a year and a half to 2 years of paying them consistently and the balance barely moving, I told them they could come pick up the car. Shortly after this conversation, they shut down all of their auto lots and went out of business, selling all the accounts to West Lake Portfolio ( West Lake Financial Services ). West Lake started calling me immediately about payments and I explained to them they were suppose to come pick up the car. They tried telling me I still had to pay for the car even though they were coming to pick it up. I informed them this information was incorrect and refused to pay. They finally came and picked up the car a month later, and the repo company they used informed us there were a lot of customers from US Auto doing the same thing. West Lake then continued to call, even after they had possesion of the car, telling me I had to pay for the car still. I told them that's not how this works. They have possesion of the car, they are suppose to sell the car, and charge me the difference in what is owed and what it sells for. They continue to call until I inform them I will get a lawyer if they continue and the phone calls finally stop. I receive a letter a few months later saying they will be selling the car in XX/XX/2023. I'm not sure if the sale ever happened or not because I have received no information since then but they continue reporting on my credit as if I owe over {$16000.00} to them ( I didn't owe that much when they picked the car up ) and continue to add interest to an account that is no longer an active contract. From my understanding, I am just one of many consumers they are trying to pull this with. They can't get double paid for a car that wasn't even worth the sell amount when it was originally sold.
Consumer complaint received 2023-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Firstsource Business Process Services, LLC (AZ)

My Identity was stolen. A XXXX XXXX Credit Card was opened fraudulently in my name. I did not open the account or make the charges. I have contacted XXXX XXXX several times. I have sent a certified letter with information they requested. I have followed up with company by phone. XXXX XXXX will not give me any information about charges or how the account was opened. The information XXXX XXXX says is there proof is ; my information that was stolen, an old phone number not belonging to me for several years and a bogus email address that I am sure goes to the person who stole my Identity. 
The first idication that my Identity was stolen was a fraudulent change of address that the post office has record of being fraud XXXX XXXX of XXXX information is with the XXXX XXXX XXXX. I then started a file on Identitytheft.gov. I have closed several accounts opened online, every bank was helpful and understanding until XXXX XXXX. After countless hours spent on the phone and submitting all the information they have asked for they have turned me over to collections with Firstsource advantage LLC. I let First source know these were fraudulent charges and sent over to them the information needed to prove fraud.
Consumer complaint received 2024-01-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (GA)

Cavalry Portfolio alleges I owe them a debt of approximately {$1200.00}. Since XX/XX/year>, I have called and sent a certified letter requesting validation of this debt. XX/XX/year>, Cavalry responded with a letter essentially stating they are unable to investigate my dispute but failing to provide validation of the debt that I specifically requested. Furthermore, they are still reporting this collection account to the major credit bureaus despite not proving a debt is even owed nor that I am responsible for it.
Consumer complaint received 2024-01-25
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: Experian Information Solutions Inc. (MO)

Within seconds experian closed XXXX complaints with XXXX different explanations for the same problem, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX