davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NJ)

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account XXXX XXXXXXXX XXXX XXXX 
Please provide me with the following : ( XXXX ). Full accounting for this account : ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( XXXX ). How you calculated what you claim I owe ( XXXX ). XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( XXXX XXXX XXXX sect. XXXX ) & ( XXXX XXXX  XXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA XXXX ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt XXXX will be on standby waiting for my instructions.
Consumer complaint received 2016-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC (FL)

Ditech Financial along with their attorney XXXX XXXX XXXX, XXXX. have filed foreclosure on XXXX 2014 base on payments not being made for the month of XXXX 2014. I have documents showing that payments were in fact paid but credited to XXXX XXXX. Invoices showing excessive fees which led me to fall behind based on the XXXX 2014 payment. I understand that Ditech Financial was formely Green Tree, however the practice is still the same. The Lawsuit Settlement of XXXX proves how dishonest this company is. I have equity in my home causing me to feel that they are trying to take my house to put towards paying their settlement. I have questioned their accounting method in which it shows over {$26000.00} of misapplied funds still they refuse to answer. I have also filed a Pro Se Motion of Discovery which they have still not completed. XXXX XXXX XXXX, XXXX. has also filed false documentation stating that Greentree/Ditech Financial are in possession of the Original Note and that it is in the Counsel 's office.
Consumer complaint received 2016-01-15
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION (MI)

I had a loan with Regional Acceptance for an auto. On XXXX I filed for bankruptcy. This account has been reported delinquent since XXXX. I have contacted the bank by phone and they directed me to put it in writing. I put my concerns in writing and heard nothing. I then did a follow up phone call and was told to put in writing again. Which I again have done. My account is being reported as a charge off when it was n't a charge off at all it was a bankruptcy. It is also being reported as follows : XXXX reports account opened XXXX/XXXX/XXXX. balance XXXX. Last updated XXXX/XXXX/XXXX. Last payment made XXXX/XXXX/XXXX and account closed XXXX/XXXX/XXXX. How can I make a payment in XXXX and the account close in XXXX? Also no report of late payment from XXXX to present. Regional acceptance reports to XXXX the following. Date opened XXXX/XXXX/XXXX. Last reported XXXX/XXXX/XXXX. Included in bankruptcy. First major delinquency report XXXX. Months reviewed XXXX. First delinquency XXXX. XXXX reports the following from Regional Acceptance. Date opened XXXX. Reported since XXXX. Date of status XXXX. 60 months XXXX payment. balance as of XXXX is XXXX. Shows payment history with 30 day late being XXXX. Regional acceptance is reporting whatever it wants to report and not verifying the information. I have disputed with credit bureaus who do not do thorough investigation and only update information provided by regional acceptance. I have also phoned and written Regional Acceptance and nothing is being resolved. They are also reporting as a charge off. So basically the account is over 7 years delinquent, included in bankruptcy and a charge off.
Consumer complaint received 2015-07-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (GA)

I deposited my pay check ( from local XXXX service ) in the amount of {$600.00} into my Well Fargo Checking Account on XXXX XXXX, 2015 ( I am Account holder for over XXXX years ). I am providing a copy of cashed check from employers XXXX Account showing check cleared his bank on XXXX XXXX. 
Wells Fargo has credited my account with {$200.00} of the {$600.00} amount but are saying that the other {$400.00} will not be available to me until XXXX XXXX, 2015. I get paid XXXX, my next deposit will be on XXXX XXXX, 2015, I can not pay my creditiors on time if Wells Fargo continues to hold my funds for such long periods of time. This should be illegal! Funds should not be held for eleven days when it is cash being transfered from XXXX local bank to another local bank.
Consumer complaint received 2024-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NJ)

TO WHOM IT XXXX CONCERN I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Please provide me with the following : ( XXXX ). Full accounting for this account : ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( XXXX ). How you calculated what you claim I owe ( XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA XXXX ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt XXXX will be on standby waiting for my instructions.
Consumer complaint received 2024-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

Hello, I have been sending in dispute challenges with Experian for several weeks. Action on my behalf has not been taken by the company, despite verifying my identity and what I needed. I have asked them to share their method of procedures when it comes to verifying the inaccurate reporting. I am demanding this account to be removed from my consumer report. I am looking to purchase a home and my underwriting is telling me I have to contact Experian to rectify this issue.
Consumer complaint received 2015-12-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

To Whom It May Concern, I am filing this formal complaint because I feel that Wells Fargo is not honoring their part of the agreement with the government. I have been trying to get a loan modification for over a year and a half. During that time Wells Fargo has put me through a ridiculous ordeal. I have a legitimate reason for hardship. I used to make over $ XXXX a year and now I am making half that. My husband XXXX, so he could not work for many months. We have had to borrow money from family and borrow from our retirement just to make ends meet. I believe that Wells Fargo illegally denied me for the assistance and since I 've read that they have been fined heavily for wrong doing, I was forced to hire a law firm to protect my home. I would have never gotten in this mess had Wells Fargo not told me to get behind on my payments. They told me it was necessary to be able to qualify for the hardship assistance. Then they played games with me. They told me they never received my paperwork even though I faxed it to them multiple times. Even when I got them to admit that they received the paperwork, they said they lost it and told me I had to re-apply. They kept changing relationship managers on me and I could never get the same person on the phone twice. My mortgage is currently 55 % of my gross monthly income. If that is not considered a hardship by Wells Fargo, then what is? I believe I meet every single criteria put forth by the HAMP program. My mortgage was originated in 2003 and I never refi 'd after that. I am hoping that someone will hold these big banks accountable for denying homeowners assistance when they clearly deserve it. I think the main reason that Wells Fargo is not helping me is because I have some positive equity and they want to get that money for themselves. I did not read anything on the HAMP guidelines that if a homeowner has positive equity that the lender does not have to approve them for HAMP, but maybe that is just the banks ' policy to maximize their profits. If I could just get caught back up and into an affordable payment, then I could keep my home, but I am at my wit 's end. There are an obscene amount of foreclosed homes in my neighborhood and I do not want to join them. Please help me save my home. I 'm not asking for charity, I just want what is fair and right. From what I understand Wells Fargo took millions from the government, but they are not helping the people that legitimately deserve it. Please help me save my home. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Consumer complaint received 2024-08-15
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. (MS)

Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX This account was charged off in XX/XX/year>. However, since then, the account has been repeatedly updated as charged off every month. These updates inaccurately reflect the payment history and falsely manipulate the statute of limitations on this account. 
Despite my previous requests to investigate this matter, this issue has not been properly addressed. Your continued neglect to correct this information is unacceptable. Therefore, I am demanding the immediate deletion of this account from my credit report.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2015-07-09
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (NJ)

I BEEN WITH WELLS FARGO BANK FOR XXXX YEARS I NOTICE MONEY BEEN MISSING IN MY ACCOUNT SAYING ITS OVERDRAFT FEES ETC THEY DONT CALL OR ONCE IN A WHILE SEND ME BANK STATEMENTS WARNING ME IF I DID THEY STILL TAKEN MONEY OUT MY I CALL AND BANKERS PUT ME ON HOLD WITH NO ANSWERS I FEEL THEY STEALING FROM ME I CANT TAKEOUT WHAT I DONT HAVE THEY OR SOMEBODY MAKEN A MISTAKE TAKEN MY HARD EARN MONEY I NEED ANSWER I SEE THEY GO LOT COMPLAINTS I DONT THINK ITS XXXXRIGHT TO STEAL IF U DO FROM THEM U GO TO JAIL BUT IS IT LEGAL TO STILL FROM HARD WORKING PEOPLE WITH FEES THEY DONT KNOW NOTHING ABOUT I CALL BUT GET NO ACTIONS
Consumer complaint received 2015-06-01
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY (WI)

My son attended XXXX XXXX and received private loans from Wells Fargo in addition to Federal loans. Wells Fargo carries the majority of his loans. My complaint is the interest rates these banks charge. I am the co-signer on these loans as well. I believe in paying your student loans, however, I have a problem when I am seeing interest rates of 10.74 %, 6.991 %, 6.490 %, and even 4.490 %. The banks are making way too much money on these student loans and make no attempt to lower these interest rates. I understand banks having to make money, but really??? 10.74 % interest rate!! That seems like gauging to me. I am working with my son now to get these all refinanced into XXXX loan with a better interest rate, but again, the interest that he has been charged over the past 4 years is outrages.
Consumer complaint received 2015-04-17
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (FL)

Experienced harassment and unnecessary delays in processing a mortgage from Wells Fargo that resulted in having to walk away from the mortgage. Initially told that I qualified in early meeting XXXX. Provided two years tax statements, paycheck stubs, signed dated gift letters, employment check and credit check info at time of signing early XXXX Had XXXX requests to put gift letter on official form, initial information, provide bank addresses, provide POA letter ( on XXXX different requests weeks apart ) and ALL gifter account numbers ( even though XXXX gifter has already transferred the money ), explain all banking transactions for last 6 months, changed amount personal money required, etc etc. XXXX gifter was told that it was illegal for him to put the gift money into the buyer 's account. Never got a closing date up to less than a week prior to required closing ( XXXX XXXX ) even though every request for information was satisfied within 24hrs of the request. Very Bad experience. Very poor communication. Despite request up front to let us know what was needed, the requests came in piece meal and often several times on the same documents. Never returned calls to elicit the status and requirements. Seemed that since the mortgagee was a single woman, there was indifference to making this process acceptable. Would definitely recommend that individuals seeking mortgages avoid going to Wells Fargo.
Consumer complaint received 2015-04-29
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: ENOVA INTERNATIONAL, INC. (KS)

I had a loan with Cash Net three years ago. My motherinlaw paid the loan in full to Cash net. For three weeks after, Cash Net continued to debit my account for the amount of the payments. Cash Net was contacted, sent copies of the cancelled check, but still refused to quit taking money from my account. I wrote them a letter and included a copy of the cancelled check and they then sent my account to XXXX collection agency. They called me today and their agent, XXXX XXXX, told me if I did not pay them XXXX right then, I would be arrested and could be detained for up to 60 days unless a judge allowed bail. They then said that they would settle for XXXX at XXXX. I tried to explain to them that the debt had been paid, proof had been sent to them, and the agent then said he was a mediator and not a collection agency, yet he refused to listen to what I had to say. I then paid the {$700.00} due to a fear of being arrested. I have proof of payment so now Cash Net has been paid XXXX times for the same debt. I then asked to speak to the supervisor, XXXX XXXX, who said she would look in to what the agent said but that if they debt had been paid, they would not have been contacting me. What are my options now for getting my money back and for being threatened with arrest and detainment since I have since found it was illegal for them to do and illegal for Cash Net to continue to harass me after I provided proof the debt was paid in full? Cash Net needs to be out of business!!
Consumer complaint received 2016-03-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

When I moved out of my previous apartment, I was under the impression that all debts were settled. I never paid a late rent and we left the property in awesome shape. Now I received a bill for XXXX and I do n't even know what it 's for. It is now in collection with a company called I.Q. Data International, Inc. I have received 7 calls today XXXX/XXXX/16 and 2 of the calls were after XXXX XXXX. I am getting really frustrated and it 's borderline harassment. The account rep 's name is XXXX XXXX and their number is XXXX. Please help.
Consumer complaint received 2015-12-19
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NJ)

As a XXXX veteran ( XXXX ) with a XXXX status accorded me by VA, I qualified in 2013 for a VA mortgage, which in New Jersey means that I do not pay property tax. Despite this, my mortgage lender, Wells Fargo, has not only required me to pay property tax as part of my mortgage payment, they have demanded the municipality send my tax refund to them. They have also then held the full amount, over {$4000.00}, claiming it is needed for escrow to pay my homeowners ' insurance, despite the fact that the homeowners ' insurance is under {$1000.00}. Additionally, they have held the refund payment for a full year, despite the fact that the insurance premium was paid on time six months ago. 

Despite several appeals to Wells Fargo and a full-scale effort to get things cleared up by the XXXX, I can not get a coherent answer to why Wells Fargo needs the money I have been exempted from by the government due to my service record. They send me forms that make no sense to me. Their replies to the XXXX inquiry were simply inscrutable. 

I need help. I am unable to work. I am under continuous VA medical care. I was told by VA, the state of New Jersey, and the municipality in which I live that my service record entitles me to not pay property tax. Why should I pay tax to Wells Fargo?
Consumer complaint received 2015-12-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (LA)

XXXX acct approx. XXXX to XXXX. Several attempts with service problems unresolved with repairmen & {$60.00} modem/router XXXX said we needed to fix problems with my opposition stating that was not the problem. The modem/router did not fix the problem ; with multiple unresolved calls to XXXX to return and get reimbursed for the machine..they could not give me any info to send it to and would not remove the {$60.00} charge from my bill. I tried to return the machine to local XXXX store but they had no way to return it nor any info to help me return it either. I do not know what was wrong with XXXX about this issue. Wrote letter with no response..talked to different departments and supervisors without resolve. The last time the internet was out & reporting it for service once again ; the tech did not show up and XXXX had no records of appointment. I then told the agent to disconnect the service that was totally dead again. The acct should have stopped then with the bogus {$60.00} nonreturnable machine ... but att kept billing me and no resolve with the worthless machine. I still have the machine and packaging. I was shocked by this service from XXXX. I then went to comcast with a higher bill for service. I need a disclosure of verification of debt. Plus this debt has been reaged with false information on my credit report.
Consumer complaint received 2016-01-10
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) (AZ)

I do n't even recall applying for a loan or receiving a loan from these people and they 've been emailing me and calling me and my family members harassing us for money. Even going so far as to say I will be arrested if it 's not paid right now over the phone. Emailing me said they will take me to the courthouse to get money from me and make me pay legal fees and every email is for a different amount. Not one of them is for the same loan amount. They try to scare me by emailing me and including my social security number like they know it so I had to have taken a loan out. And the best part is payday loans are illegal in the state I live in! So this makes no sense and I 'm tired of the threats and harassment! They also claim that the US government is placing my social security number on hold.