davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (MI)

XXXX XXXX , Inc. has repeatly tried to collect money on an old debt that was discharged over 8 years ago with XXXX Bank. The amount is more than doubel the amount that was discharged and written off. 

I tried to call and explain to them they are doing something that is illegal rying to collect on a debt that was closed out over 8 years ago, but they were unreasonable andwoudl onlt accept payment. 

They sent me a offer letter to collect 60 %. Their letter states that they do not have legal recourse against me because it is an old debt and said they will continue to report an upaid balance to the credit rpeorting agencies. To me, this is extortion. They are reporting this a as a recent default and are ruining my credit. This is true text book backmail to get moeny out of me. I have contacted the attorney general 's office in California, the reporting agencies to dispute their claims and if need be, I will retain an attorney and sue them. Their parent company, XXXX XXXX XXXX has had numerous lawsuites against them for using illegal collection tactics, committing fraud by signing on behalf of the defendants they are trying to sue in court and filing false clains of having served leagl documenst on these ppeople they are trying to collect. 

I have a copy of the consent order file # 2015-CFPB-XXXX with United Stated of America Consumer Financial Protection Bureau where they were fined and had to pay damages for breaking many collection laws and unlawfully collecting fees from ovrstated interest rates, more than doubling and tripling the original debt and using extortion tactics to collect. They falsley filed with courts by deceiving the courts with inaccurate records. 

I am requesting that your agency look into this matter and do whatever is in yor power to penalize these crooked people who have ruined my credit and are tryingt o balckmail me to pay them for a debt that was over 8 years old, discjarged and amount more than tripled the orginal debt.
Consumer complaint received 2018-06-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

This bank is engaging in unethical and misleading business practices. Providing the information they provided in response to my initial complaint is AFTER the fact. First of all, it took DAYS to get any sort of response regarding where my money was. By that time, I had decided to no longer do business with them and transferred the money back to my original account with another bank. At that time, I discovered that I was charged a FEE of {$3.00} to transfer MY MONEY ... which left me with a NEGATIVE balance. So I immediately transferred {$10.00} in to cover that. Which brought me to a {$7.00} balance. They will not allow me to close the account unless the balance is {$0.00} and they will only do transfers of a minimum of {$10.00}. Their nearest branch is over an hour away from my residence. As far as I'm concerned, they can keep the {$7.00}. I do not want to do business with them at all, ever again. Meanwhile ... I see now ... again, after the fact, that they will charge me a monthly service fee for this account. Something I was not aware of prior to opening the account. Again ... all I want is to close the account and be done with them and not have to drive two hours to do it. They can have the {$7.00}. Is that really all that unreasonable a request?
Consumer complaint received 2018-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (TN)

Paid this account off with ZALES in XX/XX/2018. The rep told me that once i paid it off they will delete it from my credit report. I paid it off and i gave them 30 days to delete it ( thats what they said it would take for them to remove it ) i recently pulled my credit report and it still shows up on there. this is holding my back and hurting my FICO score.
Consumer complaint received 2018-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Credit Report drawn for mortgage loan. 
XXXX, XXXX, Equifax IMPOSSIBLE to talk to a human..on and on recordings but can not get help with simple question All three sources listed 08- Too many inquiries last 12 months with no backup as to who, what, where.

Since I haven't applied for additional credit in last year except this one instance when report drawn..I know this false but can not talk to anyone from these " services? ''
Consumer complaint received 2018-05-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TD BANK US HOLDING COMPANY (NV)

TD Bank adjusted account to bill for paper statement fees without my consent. I contacted the bank multiple times via secure online messaging, customer service telephone and certified letter to branch location. I directed TD Bank staff members to refund all unauthorized fees, close my account and mail a check to the address listed on the account. TD Bank failed to close the account as directed and continued to bill for paper statement fees. After a third certified letter to the branch office, the bank did mail a check for the remaining account balance, but failed to close the account and only refund one of several dozen paper statement fees. 

Today the account remains open and TD Bank continues to bill for overdraft fees without my consent. In a letter dated XXXX XX/XX/2018 TD Bank Senior Vice President XXXX. XXXX promises that my account will be referred for further collection action if additional deposits are not made to clear the overdraft. 

TD Bank Branch Location : TD Bank XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Consumer complaint received 2018-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Credit bureau was notified about incorrect information on XXXX XXXX XXXX   credit report on XX/XX/XXXX as well as XX/XX/XXXX. The incorrect information is a result of a mistaken identity, collections in negative from a company called XXXX XXXX. XXXX XXXX has forwarded deletion requests of these items to both XXXX and Transunion. These negative items with pending deletion requests still remain as of XX/XX/XXXX. Deletion requests forwarded to the credit bureaus on XX/XX/XXXX according to the collections company.
Consumer complaint received 2018-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Credit Report drawn for mortgage loan. 
Experian, XX/XX/XXXX IMPOSSIBLE to talk to a human..on and on recordings but can not get help with simple question All three sources listed 08- Too many inquiries last 12 months with no backup as to who, what, where. 
Since I haven't applied for additional credit in last year except this one instance when report drawn..I know this false but can not talk to anyone from these " services? ''
Consumer complaint received 2018-05-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mendelson Law Firm (TN)

I paid off a court ordered judgement that included fees and interest for {$3500.00} ( original amount was {$3100.00} ). They are claiming I now owe 5.25 % in accruing post judgement interest of {$850.00}. I have no had no notification that an amount  beyond the judgement has been allowed by the court.
Consumer complaint received 2016-08-17
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: World Recovery Service, LLC (NH)

I received a call from someone saying they were near my house and about to drop off court papers that I should 've been made aware of a week ago. I told the person I was not aware of the papers and she gave me a phone number and a case number as well as a reference number which was the last XXXX digits of my social security number. I called and the person I spoke with said I owed money to " XXXX '' and that I 'd made payments and stopped making payments and now they were attempting to collect the debt. She grew increasingly combative and then hung up on me saying my recorded conversation would be presented in court. 

No one showed up at my house. 

I 've never had an account with XXXX. I called XXXX 's card services department and they do not have an account for me. This seems like an obvious attempt to scam me out of money. 

I also called my police non-emergency and they agreed that it was probably a scam. 

The company 's name is WRS. It looks like they have a legit website under World Recovery Services ( http : //www.worldwiderecovery.net/ ). The number I was given is XXXX. 

I did not give these people any money or personal information.
Consumer complaint received 2018-05-07
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: First Data Corporation (VA)

On XX/XX/XXXX I went to my local XXXX to load some money on my XXXX XXXX card for an online purchase. I would like to note that Ive done this countless times and never had a problem. I asked the cashier to load {$90.00} to my card and I was charged a {$4.00} service fee. The cashier took my money and I received a receipt for the transaction which shows the last 4 digits of my card as the card the money was loaded to. The money never showed up in my account. I have contacted XXXX XXXX more times than I can count and they keep telling me I need to wait longer for the issue to be resolved.
Consumer complaint received 2018-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

What happened? 
two of my XXXX cards, were compromised by a person i did business with that had all my personal information. They were issues cards on my account without my knowledge, they evidently changed my address to a fraudulent address in XXXX NY. ( A ) I have relentlessly tried to get XXXX card to removed the fraudulent address from my credit report and they refused to. ( B ) I have also tried to resolve these fraudulent unauthorized charges off my profile and it continues to be a very impossible task. The facts are even verified by XXXX bank president office from letters they have sent to me. I have called them and left messages for the representative by the name XXXX XXXX XXXX ext XXXX and no call back. The fact is all the charges were made after XX/XX/XXXX, here reply letter stated the fraud unauthorize user taken off the account, why do they continue to give me a hard time to correct this problem? The account was carrying a - {$200.00} balance for 4 months and in XX/XX/XXXX they even sent me the credit for the {$200.00}. Then in XX/XX/XXXX 7 months after the issue was resolved XXXX opened another account in my name with a different account number and sent me statement that i owed them XXXX, then by XX/XX/XXXX it was a {$33000.00} balance, i have not did any transaction with them since the account was closed in XX/XX/XXXX, they are still reporting these fraudulent numbers on my account, i need them to fix their errors and clear my account.
Consumer complaint received 2018-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I already submitted a cfpb complaint pertaining to this issue. The issue is reporting and how much inaccuracies there are. As a creditor you have an obligation to report accurate information that is 100 percent verifiable. This is not the case. Instead of saying you have to report accurate information and can not remove. You should read the Fair Credit Reporting Act it clearly lays out that if information is not 100 percent verifiable it has to be removed. The irony of your company saying it has to report accurate information when clearly you can see in the credit reports that is not the case. Just look at the attachments. XX/XX/XXXX has a MAXIMUM DELINQUENCY of 120 days between XX/XX/XXXX and XX/XX/XXXX, but on Experian the delinquency are 180 days between XX/XX/XXXX and XX/XX/XXXX. If my elementary school taught me anything 180-120=60. That is a 60 day difference in the reporting also know as two months. Also the original charge off was {$3600.00}, then your company updated it to {$2800.00}. Why did you update the number to a dollar amount that no statement has. XXXX settled with me for {$1500.00} dollars as you can see on the settlement papers I already paid {$1000.00} so back to elementary school XXXX. Which is one more payment which I will not be making till this is resolved. Removal of your account from my credit report is not an option its an obligation you have inaccurate reporting and which ever way you try to spin it doesn't change. I have all the documentation i just want this resolved. The CRA will remove this account one way or the other, it doesn't take a banker to figure out that your company was negligentful in the reporting. You can either remove this account after an " investigation '' a child could do, or I will be mailing you guys ligation papers, and will be seeing you in court. The law is quite clear on your obligations. Also I have documentation of your company having a system error on XX/XX/XXXX. XXXX has confirmed this and your customer service has confirmed this. How does a XXXX dollar company not keep a small credit card account in order? I am not going to waste my time going back and forth with your company so either this is removed at your own accord or through a court ruling.Just take a look at the attachments and you will clearly see your company is in the wrong. This is no ambiguity in this case, just clear cut.
Consumer complaint received 2018-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX I placed a security freeze and file suppression on my consumer file with XXXX. On XX/XX/XXXX I received credit reports from Trans Union, XXXX, and XXXX  that contained inaccurate information about a bankruptcy. XX/XX/XXXX I sent all bureaus dispute information for the inaccurate information on my reports as well as a letter to the court that the bankruptcy was listed under.XX/XX/XXXX I received response from BK court stating they do not verify bankruptcies and have no information on file for me with the given information from my credit reports. I also received credit reports from all 3 bureaus stating in writing that the information reported about the BK was verified by XXXX. XX/XX/XXXX I called XXXX  who verified I had placed said freeze and suppression of consumer fileXX/XX/XXXX and that they DID NOT provide verification information to any of the credit bureaus. I now believe that there was no verification at all and theses bureaus are purposely reporting inaccurate information on consumer files.
Consumer complaint received 2017-09-15
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: Experian Information Solutions Inc. (TX)

I did not authorize any of the inquiries listed below please remove immediately XXXX XXXX Co Inquiry from XXXX XXXX XXXX + XXXX XXXX XXXX 
XXXX Inquiry from XXXX XXXX XXXX + Bankcard XXXX 's XXXX Inquiry from XXXX XXXX XXXX + Miscellaneous XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + XXXX XXXX  XXXX XXXX Inquiry from XXXX XXXX XXXX + Mail Order XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + XXXX XXXX XXXX XXXX Bank XXXX Inquiry from XXXX XXXX XXXX + All Banks XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + XXXX XXXX XXXXl XXXX, XXXX. 
Inquiry from XXXX XXXX XXXX + All Banks XXXX XXXX Inquiry from XXXX XXXX XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + Credit Unions XXXX Inquiry from XXXX XXXX XXXX + Specialty - XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX from XXXX XXXX XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + Complete Dept. Stores XXXX Inquiry from XXXX XXXX XXXX + Specialty - XXXX XXXX XXXX 
XXXX 's XXXX Inquiry from XXXX XXXX XXXX + Miscellaneous XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + Auto XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + Auto XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX from XXXX XXXX XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX from XXXX XXXX XXXX + XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX + Automobile Dealers, New XXXX 's XXXX XXXX from XXXX XXXX XXXX + Miscellaneous XXXX XXXX XXXX from XXXX XXXX XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XXXX XXXX XXXX +
Consumer complaint received 2018-05-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Select Financial Services, Inc. (MD)

Submitted a loan modification on 3XX/XX/XXXX and XX/XX/XXXX ( with a change of circumstance ). After calling several times about the status of the application and getting the run arounds. I will told it was in review with the underwriter. I asked could the foreclosure date ( XXXX ) be suspended while in review because of dual tracking ; which I was told no. 
A day or so later I was told the application got denied and a letter would be mailed to me. 
I never got the letter and called back and asked could it be faxed to my counselor and email to me. They said they would but as of this day still never received anything. XXXX XXXX is not trying to work with me to save my house but is trying to move forward to foreclosing and taking my home when I have the income. They dont want to acknowledge my increase of income.
Consumer complaint received 2018-04-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (GA)

Received my Early Warning Report. Stated that on XX/XX/XXXX I attempted a transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. Not sure what the allegations are. I never made any such transactions of any kind that would lead to me compromising my bank account. I identity was compromised in early of part of XXXX. I was once homeless for 20 years and people befriended me. I strongly believe someone stole my identity and opened a bank account in my name. 

Due to these senseless acts i can no longer have a bank account. I currently get a XXXX check which i'm having a hard time receiving due to the fact that i'am in the XXXX XXXX XXXX. I don't have people i trust to have my check deposited into anyone account due to what happen to me in XXXX and XXXX. Someone has been applying for credit in my name. I just ask that help be the bridge in helping me clear my name out of XXXX XXXX XXXX
Consumer complaint received 2018-05-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TX)

I am contacting you today due to the collections from Hunter Warfield IncXXXX that is reporting to my credit report. XX/XX/XXXX, I mailed Hunter Warfield Inc. a debt validation letter to validate the alleged debt. They could not properly validate in the tine given. They sent back a signed contract that is obviously not from the company of Hunter Warfield Inc. The contract states another companies name. Therefore that contract would be cancelled. In the US law encyclopedia, American Jurisprudence, 73 Am Jur 2d. Sections 90-93 ; it says that " one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. '' Thus, Hunter Warfield Inc. can not act as a substitute for the original creditor. They are a 3rd party collector claiming that I owe them a debt, and by law, that is not true. 

When trying to resolve this matter with one of the representatives of Hunter Warfield, via email. I was asked a very uncomfortable question. The representative replied " Thank you for your response. 
I have reviewed your account including the recent form letters you sent to us. In the letter dated XX/XX/XXXX, you state My attorney before we proceed I need to verify whether you have an attorney representing you in this matter. 
Thank you. '' I am uncertain and appalled as to why this is acceptable. My main purpose is to resolve this as it is weighing heavily on my future as my credit report is being misused. 
I have marked out all personal information for the privacy reasons. I have attached evidence of the debt validation, as well as the certified mail receipt that proves it was sent. I also attached the letter Hunter Warfield provided and the email stated above.
Consumer complaint received 2018-05-07
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. (NY)

I HAVE SENT EQUIFAX AT LEAST 4 CERTIFIED LETTERS ASKING THEM TO VERIFY 2 ACCOUNTS ON MY CREDIT REPORT, ONE IS FROM XXXX XXXX I HAVE SENT THEM 2 LETTERS CERTIFIED MAIL AND THEY DID NOT RESPOND. HOW IS IT THEN THAT EQUIFAX IS STILL REPORTING AN UNVERIFIED ACCOUNT. THAT IS AGAINST THE LAW I HAVE ALSO SENT XXXX XXXX 2 SEPARATE CERTIFIED LETTERS TO VERIFY THIS ACCOUNT. THEY HAVE NEVER RESPONDED. YET STILL EQUIFAX CONTINUES TO REPORT IT AS VERIFIED. THEY HAVE SENT ME NO PROOF OF THIS DEBT AND THE LAW SAYS IT MUST BE REMOVED. EQUIFAX REFUSES TO REMOVE IT AND INSTEAD KEEPS VERIFYING IT. THAT IS WRONG AND AGAINST THE LAW. I HAVE KEPT METICULOUS RECEIPTS FOR THE PAST 60 DAYS AND THEY HAVE BROKEN THE FAIR CREDIT REPORTING ACT BY CONTINUING TO REPORT THESE TWO ACCOUNTS THAT HAVE NOT BEEN VERIFIED. WHAT IS THERE PROOF OF VERIFICATION. IT NEEDS TO BE REMOVED IMMEDIATELY.