davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.Q. DATA INTERNATIONAL, INC. (MA)

I co-signed for an extended family member to get an apartment for he and his XXXX small children. He did not pay the rent. He was evicted. The debt to the apartment complex was put in to collections with IQ Data Collection and I have been harassed by them for two years. Yesterday I contacted them to get payoff information and I was told they would settle for {$.00} on a dollar but would not remove it from my credit report, unless I paid them {$.00} on a dollar. That does not seem legal to me. That is blackmail or extortion. Help, I want to settle this debt and get my good credit back.
Consumer complaint received 2016-03-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC (AL)

I asked if I could get the debt validated and the customer service representative refused. Told me that this was my debt and it was my phone number. She stated that it was ashame that I took so long to pay it.
Consumer complaint received 2016-03-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (PA)

I disputed debt that is not mine with Equifax. It 's currently not being reported or has come back verified with any of the other XXXX credit reporting agencies. I 've asked Equifax to provide me with the verification that they are receiving from the company XXXX XXXX XXXX and they refuse to honor my request. 

they have replied by saying Equifax has reviewed the complaint and its records. We show that you have previously disputed the same items listed on this complaint and Equifax has verified the information three times within the past 90 days as being accurately reporting in accordance with the FCRA. XXXX XXXX XXXX account 2000 has been verified by the data furnisher with the same name and former address as reporting on the credit file. Equifax is unable to take further action on the items that you have listed on this complaint. 

I 'm asking that Equifax provide me with the former address that they are alleging is being verified by this company. So far this debt has been deleted from all CRA 's except Equifax who are now refusing to dispute this incorrect reporting on my file. 

I 'm including my id which has my address and has been for the past 10 years. I 'm also including a copy of my current credit file which shows my current and former addresses being reported. Please Equifax provide me the proof that this company is validating this account by also showing me the former address you are stating that is verifying
Consumer complaint received 2016-03-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (MI)

The debt collector seeks to collect on a " Re-aged '' debt from the early 2000 's greater than 7 years old. The debt collector violates the consent agreement Cfpb file XXXX. XXXX and seeks to collect on debt alleged to have been purchased from XXXX, and failed to validate such debt as under statute of Fair debt collections Act. The debt collector has no legal right to collect debt alleged as third party showing no right to collect in place of " Creditor ''. The debt collector also called third party XXXX XXXX XXXX by robo call
Consumer complaint received 2016-03-16
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I recently got married and requested a card for my spouse on my account. The credit card company requested proof, XXXX documents. Drivers License, Passport, Social Security Card ... Some reason, they did n't trust the documents that were emailed to them. The put my account on fraud hold. After waiting for a week, I told them to close the account. Now they think it was all fraud. I had and account in good standing over 20 years with them, but I will not be treated like a criminal. They will not close the account at my request.
Consumer complaint received 2016-03-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Halsted Financial Services, LLC. (IA)

XXXX XXXX from Halstead financial has continued to call me repeatedly, he has stated multiple times that they are taking legal action against me when I told him my situation and offered to give them what I could he told me it was n't good enough.
Consumer complaint received 2016-03-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

We had a home loan with XXXX that got taken over by Wells Fargo Loan Servicing LOAN # XXXX Within few months of default XXXX ( hardship arising out of reduced income for me and a job loss for my spouse and not being paid for another contract as the middle party went bankrupt and further unemployment ), I got on a forbearance agreement with WF which I paid all the payments on time overnight with return receipts but they indicated otherwise and then later sent the funds for the last check amount back saying they made an error and misapplied the payment ( INTENTIONAL? NEGLIGENCE? ). It threw us into foreclosure proceedings by XXXX trustee, we filed Chapter XXXX XX/XX/XXXX, worked a loan modification review for 6 months paying a hefty monthly fee to attorneys for loss mitigation and they did not do anything! After refreshing documents over and over the bank 's attorney showed up at the time of job change and denied the modification without any fair review or chance. This created more XXXX and affected us and our family in many negative ways. Finally after years of XXXX. I came out of it and started earning but the loan is much higher than what the home is worth and the interest rate is close to 7 %. There is no accountability and response to QUALIFIED WRITTEN REQUEST we sent, A notarized mailing of PROOF OF CLAIM we sent out to the bank and the attorneys, There are numerous issues identified in the mortgage investigation, immense mortgage fraud and issues related to assignment, robosigning, errors in the loan, etc. that questions the standing but we did not raise foreclosure defense in time in the hopes that the bank was going to provide us the loan modification and now we are cornered into a sale date railroaded by the big powers. We need answers and there is no help to obtain them - the banks are doing whatever and are getting away with lies and theft. No one is holding them accountable for the various accounting errors, misapplication of the forbearance, obligations to respond, etc. We need the bank to respond to our QWR for information and Proof of Claim. The employee of the law firm doing the foreclosure has signed on behalf of the bank to endorse the paperwork as a bank employee? They are playing games and we are losing our family home in the process when we have tried everything with them in good faith. They have forced insurance and piled up enormous amounts of penalties and fees and charges to make matters worse. We hear all these settlements and amounts Wells Fargo and XXXX are fined and will pay or be applied towards principal reduction, etc. in the news as recent as the last few months but do not know the path to seeking those funds.
Consumer complaint received 2016-03-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Numerous requests over the years to remove credit card information from my profile with no results. I have a Superior Court Judge judgement from 1989 attached, showing I 'm not responsible for this account and they will not remove and impacts my ability to get the best rates.
Consumer complaint received 2016-03-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Professional Debt Mediation, Inc. (FL)

I received a voicemail from the woman I had been dealing with about my case and she stated for me to call her back. I called the office with the extension she gave me to reach her and a lady answered, never gave her name and I told her who I needed to speak with. She said hold on and transferred me to some man that I do not recall his name. I stated that I missed a call and needed to speak with the lady that I had dealt with prior and he just continued on asking for my information. He then proceeded to tell me my card had been declined and he needed to process it again and asked for my card info. I told him the money would not be there until later tonight because my husband gets paid today. He got rude with me and I said that they were unorganized and he went off sayin " how are we unorganized when you 're the one who 's card got declined '' I then asked to speak to a manager because he was getting loud with me and he told some one in the background that " she said were the unorganized ones but she 's the one who 's card got declined '' making me feel very stupid and talked down upon. When I spoke with the manager I explained what was going on and that I did not know who this man was and I wanted to speak with the lady I have dealt with prior. She said that the woman was off today although I had received a voicemail from her 20 minutes prior to calling them back. I did not feel comfortable giving them my information. No One deserves to be talked to like this when it comes to money. I am struggling at the moment and his rude remarks definitely do not help my situation.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2016-03-16
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank Of America took my hard earned tax paying dollars as well as everyone else 's in the bailout and then did absolutely nothing to help me with my underwater property in FL which is what the money was designated for. I have been trying to speak with someone at Bank of America since 2008 to gain access to principal forgiveness or principal reduction and continuously am ignored. I filed a complaint with the District Attorneys office which lead only to a single letter from BofA indicating more time was needed and have never heard from BofA again. They think this is a joke. They lined the pockets of their XXXX 's and whomever else is in the upper positions whilst those of us, including myself continue to suffer with underwater properties if we have n't had to walk away already. I ca n't count how many times I asked for help whether it be principal reduction of forgiveness or asked to simply refi and was denied indicating the property value is upside down and this is denied - hello .... what the XXXX do you think the bail out money was meant to be used for?!!!! I was not able for a period of time to pay my second mortgage and instead of helping me they started the foreclosure process. I had to borrow money yet from someone else to become current on an upside down property - I have to ask myself why I continue to keep paying and not just walk away - this property cost XXXX and has had since 2008 a value between XXXX-XXXX. Oh by the way BofA never included the appraisal with the loan docs - how convenient. How do I know this loan was n't unfairly processed, that some form of unethical practice was used to have the appraisal match the loan amount to justify the approval? I have read public information available online which clearly indicates BofA is in hot water and I am not alone in my situation. What I want to know is why are these large companies bailed out when its us middle class folks who pay for this country and why are n't these CEO 's etc ... rotting in prison where they belong?
Consumer complaint received 2016-03-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WI)

We are trying to get a satisfaction/release from a mortage institute from the time they were switching names. My court house shows that I still owe the company that the now mortage comany use to be under. It is still the same loan and the company says its one of the same of the 3 different names it was listed under. I tell them the court house needs a statisfactory from the old name showing that they are paid and We only owe to the company under the new name. They keep giving me the run around stating they ca n't do it and are getting no where.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2016-03-16
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (TN)

I have a lease agreement with GM Financial. It started in XXXX 2015. In XXXX 2015-GM Financial claimed they did n't receive my XXXX payment. I mailed my payment as I normally did in their provided envelope and with their provided statement. They claimed from XXXX XXXX thru the end of the month -- they did n't receive it and harassed me by calling me at my job and at my home 3 times a day. In XXXX, I made both the XXXX and XXXX payments. My problem is I do n't believe GM Financial did n't get the payment. I genuinely believe they disposed of the payment to illustrate their point that I should acquiesce to their repeated insistence that I sign up for direct debit. The reason this is so important is now they are again claiming they have n't received my XXXX payment mailed to them on XXXX XXXX, XXXX. I have been mailing payments for the last 30 years without any problem. I do n't believe it is statistically possible for XXXX mailed payments not to arrive at their destination with the same creditor. It 's simply not possible. GM FinanciaI has a problem. They are intentionally disposing of the payment, or their quotas for processing payments are so impossibly high that employees are throwing away payments just to keep their jobs. In either case, I am sending my payment in the envelope provided with the payment slip included. In addition, this situation is impacting my credit. I believe this situation would be considered deceptive, abusive, snd unfair.
Consumer complaint received 2016-03-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harvard Collections, LLC (KY)

Harvard Collection Services ( possible owner XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX and XXXX ( XXXX XXXX ) Fax : ( XXXX ) XXXX they are calling my ( XXXX ) place of employment.
Consumer complaint received 2016-03-16
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: TD BANK US HOLDING COMPANY (DC)

In 2011 we refinanced our home with TD Bank. They paid off the old mortgage company loans we had with XXXX and I have proof of satisfaction from XXXX. Recently we started a VA loan refinance but a few day before closing the new mortgage company informed us that TD Bank never filed the deed with the city of DC so they can not close until TD Bank fixes the original loan and files it with the city. When I call TD Bank I can not get any answers as to why the TD Bank refinance did not close with a Deed filed. We are now past our lock date with the new company and we had a really good interest rate VA load approved. I can not seem to get to anyone high enough at TD Bank to fix the problem so we can continue our current plans and the longer it take the more money it 's costing us due to TD Bank 's original error in 2011.
Consumer complaint received 2016-03-16
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FRESNO CREDIT BUREAU (CA)

I never received any notification from Fresno Credit Bureau about this debt. The address they have is an old XXXX that I did live at in 2012, so I should have received something if they did send it. 

As we lived in XXXX, CA, I am confused as to why we would be billed from a company, according to the internet is, located in XXXX XXXX, CA ( 60+ miles away ). At this point, I would require proof of the debt, as I have no knowledge of it. Please send me a copy of a signed contract and proof that Fresno Credit Bureau was assigned this debt and has a legal right to collect on it. My email address is XXXXXXXXXXXX. 

Thank you, XXXX XXXX
Consumer complaint received 2015-06-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I  started loan modification XX/XX/2015 wells fargo ln XXXX  XX/XX/2015 received loan mode papers XX/XX/2015 wells fargo acknowledge that received my loan mode papers papers, XX/XX/2015 wells fargo send me letter that not received my papers so taking to foreclosure XX/XX/2015 wells fargo refunded my extra funds XX/XX/2015 new SPC XXXX assigned for Loan Mode XX/XX/2015 I called wells fargo   gave all financial info XX/XX/2015  XXXX  acknowledge that they received information  , XX/XX/2015 XXXX new SPC  ,XX/XX/2015 I raise objections needed answered  still not received  any reply from wells fargo ,  XX/XX/2015 & XX/XX/2015  wells fargo send letter to me that they need more time to answer my objection  letterXX/XX/2015 recorded foreclosure on house while I was in process of loan mode & correspondence , XX/XX/2015 & XX/XX/2015   I  received call to submit my  complete loan mode  XX/XX/2015 & also XX/XX/2015 I I fax over XXXX pages  complete loan mode package as requested,  XX/XX/2015  fax all  corespondence sequential papers to wells fargo , Till now , I did not received there reply but I am in foreclosure without Notification of Denial loan mode  and appeal   . My objection letter dated XX/XX/2015 reg mail to Wells Fargo Mortgage &  also to XXXX ., I requested them to answered with in XXXX days . Instead of reply / answering  they put my house in Foreclosure.
My Foreclosure sale date XX/XX/2015 . I give Wells fargo remedy and  solution which help XXXX parties .
   In the past wells fargo approved me for  forbearance plan than for HAMP , I paid XXXX agreement more than a year and then suddenly they stop taking my payments my all payments during agreement was in time .Now I am requesting  to give me previous HAMP deal= XXXX./ month including every thing.
Other wise XXXX parties will waste time & litigation money.
My Address is  XXXX Ca XXXX  TelXXXX / XXXX
  I can fax you all recent  sequence correspondence letters , so you can convince Wells Fargo,  and I authorize you to talk on my behalf  and do legal investigation to stop , cancel, resend  about illegal Foreclosure Sale on   XX/XX/2015.   I can provide all proof as needed  ,
all my statement is true to the best of my knowledge  Thank you. end.
Consumer complaint received 2015-06-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX I deposited a check in the amount of {$11000.00} to my personal account in Chase Manhattan Bank. It was my own check from my other own personal account in XXXX XXXX XXXX. 
On XXXX XXXX ( XXXX days later ) I receive a letter stating that the funds were withheld because " this deposit is not consistent with the account 's normal deposit activity ''. The letter also says that the money will be held until XXXX/XXXX/2015. 
I do n't understand why the operation takes XXXX days to perform. Especially considering that the money is not in my XXXX XXXX XXXX 's " origin '' account since XXXX XXXX. 
Plus : 1. It is an operation from my account in XXXX bank to my account in another bank. 
2. I do n't think the reason about my " not normal deposit patterns '' is valid ( if it was my " withdrawal '' patterns, I can understand, but making a deposit into my own account? ).
Consumer complaint received 2015-06-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NE)

XXXX of my many complaints to date from XXXX XXXX use of fraund, many round a rounds that i trust would not be the end to date that was and continues. Laws FHA but only home owners protect agfter a certain date? Added wrongs..i have a huge list, documents, proof and people..but no rights..then or to date to all that no one would or was welling to assist myself and children. Extreme damage added..along with never avoice, right to defend, ,all and still no right to my overage? Who is responsible if not this office to help..none of many to stop what is and believe to be void anyway dio to some steps but with out rights..to show proof..all that could of saved not only our home but my family. WHO is there?? No one. Missed XXXX payment..single parent..good credit..now still asking who..why? SAD..guess crime pays not honest hard working people..even when Laws SET? say different. Doing time for others crimes..says it all. People who walked asway from there homes recieved money in the claims..less work for the offices..who get paid to do a job ..then assist in the rights and proof to what continues to go on. BANKS RUN OUR COUNTY..only answer there is! Laws..and my huge file to no ones importance but myself and kids..sad! YEP..loss due to XXXX payment..oh until the ones the took, never returned or applied until the said " we will apply those to pay your loan in full. ". fine print..our loss.. 
my complaint may be off but all true but why step by step..been there done that and todate..venting..knowing my complaint does not matter. all below apply but i will pick XXXX so at least my words will go through.. 

I will continue until someone helps me understand..but there no under standing.
Consumer complaint received 2015-06-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

The company charges an overdraft fee then waits for you direct deposit to post before it pays the merchant. i borrowed money from a lender and once payed back you can borrow XXXX days later. The company " payed '' the lender my account went negative as a result they charged me the insufficient fund fee but XXXX days later i was n't able to borrow again. i had to wait XXXX days after my payroll deposited. They essentially claimed they paid, charged a fee but waited until my direct deposit posted until they payed the merchant,