davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-15
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: ENCORE CAPITAL GROUP INC. (GA)

threatened a state guy would charge me. Called several times after I asked them not to. Calls made after XXXX XXXX. Threatened to sue me, said I would have to pay more fees to attorney. Refused to send me verification the debt is mine.
Consumer complaint received 2016-01-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (MD)

Our loan was with XXXX and was current The servicing was then taken over by XXXX XXXX XXXX. We were immediately notified that there was an escrow shortage and if not paid, would result in additional fees. Then the load was sold to Caliber for {$50000.00} more than what was owed. A load modification has been denied.
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2016-01-11
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (KS)

When buying furniture for our new house, we got a nice 60 month no-interest loan with Wells Fargo through the store. After setting up automatic payments, which for some reason took months to start, a representative told me that it was set to pay the full amount of the loan instead of the monthly balance so we cancelled it and I set up a new automatic payment for the monthly balance instead. 

The next month, after making manual payments the whole time, I called in to check if the automatic payments were in place. The representative told me they would start the following month. Because I had spent HOURS on the phone with Wells Fargo, I asked, " So if I make XXXX final manual payment, I will never have to worry about it again? '' The representative assured me that was the case. 

Two months later. My manual payment took care of the month in between but when I logged in to see how it was going I was charged a {$25.00} late fee because the automatic payment was STILL not in place. It was unbelievable! A Wells Fargo representative assured me this would not happen. I called in, escalated the call, and the manager did not care. He told me it was my responsibility to ensure payments were being made and that he would not refund the fee. 

Knowing that troubles like this would continue, I just paid off the loan. It set back some financial plans I had over half a year, but I knew I did not want to maintain that kind of relationship with Wells Fargo.
Consumer complaint received 2015-12-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (VA)

When we moved from XXXX to XXXX, and transferred our service, XXXX charged a {$68.00} equipment fee even though equipment was returned to XXXX. We continued to have XXXX service in XXXX. On several occasions when I called XXXX they said they would waive the {$68.00} fee, but they had apparently turned it over to a collection agency. To date XXXX has not corrected the problem. Poor customer service on XXXX 's part by not following up on their commitment.
Consumer complaint received 2016-01-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

XXXX and XXXX XXXX are both included in Barkruptcy Chapter # XXXX. Which was Discharged on XX/XX/XXXX, Case No # XXXX Both accounts should be reported as closed, with XXXX balance.
Consumer complaint received 2015-07-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (FL)

The complaint I am filing is against the debt collection agency Midland Credit Management. I have been corresponding with Midland Credit Management regarding the fraudulent information they are reporting on my credit reports, regarding the claim by them that I owe {$1500.00}. 
I have sent correspondence to Midland Credit Management on XXXX XXXX, 2015, XXXX XXXX, 2015, XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015 asking them to Provide me the following documents ( see 1 and 2 below ) to substantiate their claim and they have failed to do so. I know they are required to follow the law and that law is the Fair Credit Reporting Act. I have never contracted with this company and I do not believe they can provide a contract with my signature on it naming them a party that I have contracted with. 
In all the correspondence that I have received from Midland Credit Management they say they need more information to identify the basis of my dispute. I believe all my correspondence has been clear and concise regarding my dispute of the fraudulent information they are reporting to the credit agencies. 
I believe they are attempting to intimidate and entice me to honor their presentment through fraud by omission ( failure to state a material fact - that we have no nexus nor am I obligated to contract with you ) and misrepresentation of the character and legal status of the debt in question ( which is a violation of federal law ). 

1. A certified copy ( not a copy of a copy but a notarized certified copy ) of the original paper contract from the originating creditor SIGNED BY ME specifically naming your company as a person entitled to enforce a commercial claim against me. 

2. Copies of any and all documents that assign or legally transfer ownership of the alleged debt in question from the originating creditor ( or a different collection agency or debt collector ) to your company. 

I wish for all the accounts and/or references they have placed on my credit report ( s ) to be removed immediately. I can provide all correspondence, I have sent by U.S. Certified Mail, if necessary.
Consumer complaint received 2015-11-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (VA)

I submitted a comlaint XXXX XXXX, # XXXX. I did receive a call the next day from the mortgage co. They promised to follow-up, but have not. In the mean time they have listed our property for foreclosure. We have not been given a clear reason as to why the loan modification was declined. The loan servicer who called was unsure why the underwritter dnied modification. We were told that a conference cll would be set up for us to speak with the underwritters. This has not happened. If foreclosure is the only option, then ok. But we have not been given an adequate explanation for denial or explained the appeal process or allowed to seek other options, i.e. short sale. It seems as if the mortgage company is delioberately not returning our calls.
Consumer complaint received 2016-02-13
Product: Credit card — 
Issue: Billing statement — 
Company: TD BANK US HOLDING COMPANY (MT)

We ( XXXX and XXXX XXXX have a Target Red Card, which we pay off each month, usually paid via auto-pay. Our XXXX/XXXX/XXXX statement ( attached ), disclosed a {$540.00} auto pay due XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, XXXX made a return of {$42.00}, reducing the balance to {$500.00}. I did not trust the auto pay function to only deduct {$500.00} ( I 've had trouble with it before when returns have been made ), so I logged in XXXX, set up a one-time payment of {$500.00} to occur XXXX/XXXX/XXXX, and turned off auto pay ( so I thought ). 
On XXXX/XXXX/XXXX, the one-time payment of {$500.00} deducted ( as authorized ), but an auto-payment of {$240.00} ALSO was deducted! This amount was for ALL charges NOT YET BILLED on the statement that did n't drop until XXXX/XXXX/XXXX ( also attached ). In short, Target auto deducted charges which had not yet been billed, thereby denying us a minimum 21 day grace period before the due date. This auto deduction was entirely a surprise, and caused a real pinch in our finances. Thankfully, we had funds to cover it, otherwise an overdraft would have occurred. 
All correspondence with Target ( which occurred through their " contact us '' feature on the website ) is attached. They do not understand that they took immediate payment without having first billed us for the purchases, causing us to have no grace period before payment was due! This is in violation of the CCARD Act of XX/XX/XXXX, the the Federal TILA, as well as being an unfair practice under UDAAP. 
Even if I erred in turning off the auto payment properly, there is no way it should have deducted charges that had not been billed ( and in fact, had just posted that very same day XXXX/XXXX/XXXX )! Target 's auto pay function caused us harm we could not avoid, and I imagine the same thing has occurred to other consumers too.
Consumer complaint received 2016-01-08
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Complaint Details I was looking on XXXX for an apartment. Someone named XXXX had her own place for rent while she was 'out of town ' and 'sick. ' She was also telling me she 's in XXXX XXXX. So I never met her or took a tour of the place. She put it up for rent on XXXX and they said they would mail me the key once I transferred the security deposit ( {$800.00} ) and the first month of rent ( {$1000.00} ) to the bank in XXXX. I never got the key. Their email is XXXXXXXXXXXX. I think maybe XXXX stole my money too, her number is ( XXXX ) XXXX. Her email is XXXXXXXXXXXX. The address to this apartment is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX asked me for more money to pay her ER bill, I just said no I do n't want the apartment, so they said they would refund me and never did. I went to Wells Fargo to send them a request to give me back the money, and it turns out XXXX closed the account and have stolen the {$1800.00}. I 've contacted XXXX customer service, the police, XXXX, my bank, XXXX, XXXX and noone can help me. I did file a business dispute with them but I do n't know if that 'll work either
Consumer complaint received 2015-11-10
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: TRANSWORLD SYSTEMS INC (DE)

They call before XXXX XXXX and frequently during a day without leaving any messages. I asked several times to not call me but it did not work. 
They claim that they are debt collector but their information is wrong. When called back operator asked me for my personal information ; I hang up without disclosing anything. 
Their numer on caller ID is ( XXXX ) XXXX, and the displayed name is " Maryland ''. 
Automated voice does not pronounce company name clearly enough : " ... World system Incorporated ''.
Consumer complaint received 2024-08-14
Product: Credit reporting 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: Experian Information Solutions Inc. (GA)

Around XX/XX/2024 i called XXXX and Experian about me not being able to view my credit Reports and Scores. i was asked to upload or send in a copy of my Drivers license, Social Security card, and a utility bill -paystub -insurance with the same address.I still never received any updates.
Consumer complaint received 2024-08-14
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. (NC)

I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2016-02-16
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (WA)

Retrieval-Masters Creditors Bureau, Inc calling from ( XXXX ) XXXX is calling my cell a minimum of twice every single day including weekends. If I answer there is no person or message, I have no idea what these calls are referring to as my current credit report does not list them.
Consumer complaint received 2015-11-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: First Investors Servicing Corporation, Atlanta, GA Branch (TX)

I refinanced our truck loan with 1st Investors Servicing Corp and never paid a late payment. Our truck value was almost a loss compared to the amount of my auto loan. I entered into a settlement ( XXXX 2012 ) to payoff off the loan at a lower amount with out impacting my credit. I worked with XXXX XXXX ( Settlement Dept ) and he even had an appraiser come to our house to value the truck. I provided the payment that was agreed and my credit was not to be impacted. I have a written letter from 1st Investors with the details. Now almost 3 years later 1st Investors just started to report to the credit bureaus late payment and a charge off status, prior to this the credit reporting was not negative. They have breached their written settlement agreement. I 'm trying to refinance my current auto loan and this has impacted my credit ratings with all XXXX agencies.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MA)

I'm concerned about an unfamiliar inquiry on my credit report. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of XXXX and XXXX.
Consumer complaint received 2016-01-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (AR)

Have contacted all XXXX reporting agencies on an XXXX XXXX issue where the account was settled in XXXX 2011. Part of the settlement, which they agreed to, was that they would not report negative information on my credit file. The Cause No was XXXX. Have provided this documentation to the reporting agencies and yet they continue to report negative information on my file.
Consumer complaint received 2016-03-18
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX XXXX XXXX contacted me disguised as a third-party under the name of " XXXX XXXX XXXX '' stating they had a court summons in hand and that they would be at my home and place of work in 24 to 48 hours to serve this summons. This is a violation of sections 806 and 807 of the Fair Debt Collection Practices Act. I have attached the voicemail as well, as evidence. If sound files are not allowed as attachments, I have attached a transcribed message of the original voicemail received on XXXX/XXXX/16 @ XXXX PST.
Consumer complaint received 2016-01-07
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Nationwide Biweekly Administration, Inc. (PA)

Company debits my checking account to pay my mortgage. Now I 'm on " temporary suspension '' doe to government involvement for fraud. I have to make my own mortgage payments. I no longer want to work with this company and due to a break in contract I want my set-up fee refunded.
Consumer complaint received 2015-12-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (OH)

I receive repeated ( sometimes twice a day ) harassing, unending " robo '' collection calls, which I do not answer and then my voice mail records their message. Their first recorded message states that if I am not ( then another recorded message states my last name first, then my first name ), I should hang up the phone. However, I suspect if I did answer, I would not receive such a message and be forwarded on to ( per their recorded voice mail message ) XXXX XXXX, Reference No. XXXX. 

I have checked their phone number on the web and the people responding call it bogus, that no verifiable proof of their claim ( s ) is provided. 

My credit history and rating at the XXXX bureaus is flawless and good. 

Please get these people to cease and desist calling me.
Consumer complaint received 2016-01-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Trident Asset Management, L.L.C. (NJ)

Trident Asset Managment Company XXXX XXXX XXXX, XXXX, XXXX XXXX. Has placed a collection account on my credit report for an outstanding electric bill at a service location XXXX XXXX XXXX XXXX XXXX. I have never lived at nor had electric service at this address
Consumer complaint received 2015-07-16
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: WESTERN UNION COMPANY, THE (TX)

I 've been trying without success to talk to Western Union About my inconsistent attempts to send money by using their website. I 've been a customer of theirs for many years. Over the years I 've probably sent XXXX of dollars in money transfers over the Internet. The website will not handle my information. I get error messages it wo n't allow me to even complete the transfer. Transfer is not declined the website simply will not work to let me place it.
Consumer complaint received 2015-11-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (OR)

Rushmore tried to sell our home on XXXX XXXX, 2015 and we were forced to file a bankruptcy to stop the sale. We have been trying to get help from them since the loan was transferred from XXXX XXXX XXXX to Rushmore. However, they will not open a review for assistance because they claim that they have reviewed us for assistance XXXX times already and they wo n't do it any more, but they have NEVER reviewed our loan for assistance. Unless they did it on their own. We are now in a situation where they are going to take our home away, even though we qualify for assistance through government programs. Our bankruptcy will time out at some point and Rushmore is unfairly trying to take our home away. Even if we did go through the process years ago, our finances have changed and we are in dire need of getting our loan back on track. Rushmore is not even allowing us to send in a package for assistance review because they say that our loan has been reviewed three times. We do n't think so. I am XXXX and my wife works, but does not make that much money to keep us from assistance. Please help us get into a negotiation with them. Thank you.
Consumer complaint received 2015-07-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Management Services, LP (NY)

I received XXXX calls from Capitol Management in XXXX Ny all within a 3 week period asking for XXXX different debtors who have absolutely no relation to me. When my husband called them back after the XXXX call he was told that my number appeared on XXXX different accounts there all in the same department & that was not an unusual thing to happen. I let it go, thinking that might be true until my XXXX year old daughter received a call on her cell phone ( under my name ) asking for another different name. I then decided to call myself and was told that her number and my number would be removed. The man stated that he could not tell me how my number or my daughters number got on all of those accounts but clearly one of there employees intentionally placed the numbers there to harass me. It was completely swept under the rug to cover up there illegal practices. I was told that I would need to call back and talk to there compliance department. If adding peoples number to an account to harass someone you just do n't like is a common practice for them then they should be out of business. I will be filing an attorney general complaint
Consumer complaint received 2015-11-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: WELLS FARGO & COMPANY (CO)

I had an SBA loan with Wells Fargo that has been discharged. They prompted the bankruptcy and have been notified by the court, my attorney and me. In XX/XX/XXXX I sent a letter again asking for the statements to cease along with a copy of the discharge. I continue to receive statements.
Consumer complaint received 2016-01-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have disputed this information as being fraudulent and not mine, or opened by me. They have disregarded some of my disputed and then some they have said the accounts were verified which could not be because the credit grantor could not provide me with proof the accounts were opened by me.
Consumer complaint received 2016-01-28
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: LAND HOME FINANCIAL SERVICES (CA)

several issues. 
forced me into FHA after forcibly holding up a refi which finalyl closed after my purchase. 
due to teh holdup-my debt/income ratio forced me out of conventional and into FHA ( or I would have lost the new home purchase ) second issue-they are holding over $ XXXX TOO much out for escrow account. 
third-they have on at least XXXX occasions admitedly recieved my payment on time but still charged me a late fee until i called them on it. 
they stated clearly they got payment on time but didnt post the payment until after it was late..
Consumer complaint received 2016-02-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

I had submitted a payment on XX/XX/XXXX for XX/XX/XXXX mortgage payment to Wells Fargo branch, which then cleared my XXXX XXXX XXXX account on XX/XX/XXXX. I clearly stated in the memo field for XX/XX/XXXX payment. I happen to check my account XX/XX/XXXX to ensure that Wells Fargo applied the payment to XX/XX/XXXX mortgage, but sure enough it was not applied. In fact, it was showing my account is delinquent and there are late fees accrued. I called Wells Fargo customer service in XX/XX/XXXX and XX/XX/XXXX to notify for this issue and late fees and to this date there has been no correction made to the account. 
The other issue is how my previous mortgage payments have been applied to the account, which should be reducing the principal balance gradually and it is not reflecting that. 
I have been very unhappy with their service, diligence to get the issues to get them resolved. I 've made my mortgage on time ever since I 've had my loan with them in spite of my income reduction and they have been absolutely frustrating to deal with.