davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pressler & Pressler, LLP (NY)

I had complained about this previously in complaint number XXXX. I have now paid in FULL the entire about of the judgement filed against me, which by the way was three time the original debt, which they purchased for pennies on the dollar. I called the court yesterday to find out the status of getting my bank account hold released since I completed the payment of this judgement in XXXX. And I received a statement from the court showing a ZERO balance due, listing all the payments made and the amounts. I was told that the collection agency is looking for MORE money. {$47.00} to be exact. And the woman from the court was going to make a second call to them to find out the status. And would call me back if she made any headway. Needless to say I did not hear back from her. I also went on the website NJ courts to see the status of the docket. The case status shows as closed. The Proceed status shows as completed. And there is a Document type of " Wage Exec Iss '' that shows as ACTIVE. My wages were never garnished. And I would like to know why this is active. And how I can get a COMPLETE release from Pressler and Pressler stating  I have COMPLETELY and TOTALLY satisfied any and all judgement and dealing with them. XXXX XXXX XXXX ( the account they levied on in XXXX XXXX ) will not allow me to close that account as they are saying they have received NO paper work stating they can remove the levy. Meanwhile they handed over the {$2400.00} or so dollars to the court and charged their {$120.00} in legal fees. I have now paid close to {$4000.00} for a debt that was originally {$1300.00} and I am still Being EXTORTED by this company. Their behavior is criminal and their tactics are shady. I want this done. I want a complete release from them and I will not pay them one more penny. As this is unfair and unethical treatment. They are taking advantage because they know where I work and how detrimental a problem like this could potentially be. This is the worst form of legal extortion I have ever encountered. Pressler and Pressler and XXXX XXXX ( another arm of their corrupt marginalization ) should be disbarred. Who ever heard of lawyers collecting debts for THEIR own profit. There should be so legality against this. I want the wage garnisment closed, erased, destroyed, however it is done and this docket closed. The docket number is XXXX. Everyone should know what a fraud this firm is. I am SURE I am not the first nor the last to complain about their unethical practices.
Consumer complaint received 2021-09-08
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (MD)

I opened a credit card account with Victoria secret. At the beginning of the year i paid it off and requested to close but it proceeded to charge and also add on additional fees that Ive more than gladly paid for but i shouldnt have to because i tried closing the account. Why am i paying XXXX when i havent use the card in like a year
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

experian IN ITS CONTINUOS VIOLATION OF MY GUARANTEED RIGHTS UNDER THE FCRA GUIDELINES HAS REFUSED TO REMOVE A STATEMENT FROM MY CREDIT REPORT WHICH IS UNAUTHORIZED BY ME EVEN AFTER SEVERAL REQUESTS BY MYSELF FOR THIS UNAUTHORIZED STATEMENT TO BE REMOVED BY experian. THE STATEMENT IS STATED AS FOLLOWS " Notices The issue date of the Social Security number that you gave us when you contacted us is not verified by the Social Security Administration., '' I DEMAND THIS STATEMENT BE IMMEDIATELY REMOVED FROM MY CONSUMER CREDIT PROFILE IMMEDIATELY. attached is a copy of my credit report and a screen short of the part in question highlighted
Consumer complaint received 2017-10-19
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Big Picture Loans, LLC (MS)

filed for Bankruptcy in XXXX. Still getting call from collection agency attempting to collect on castle payday loan. Have a XXXX form sent from castle Payday for cancellation of this debt. Received a call from XXXX Service.wanting me to pay this. spoke with XXXX XXXX XXXX, phone XXXX they called XXXX. Then on XXXX received a call from XXXX XXXX with XXXX XXXX saying I was being sued for check fraud by castle Payday. Explained to this person that this has been canceled in bankruptcy, also faxed the dept cancellation form from castle Payday. What can I do to stop these call. Every XXXX XXXX months I get these calls. XXXX phone XXXX. Your help is appreciated.
Consumer complaint received 2017-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX, XXXX : Initially, had pulled a cash advance of {$2500.00} amount from a physical branch location. The next day made the exact payment of {$2500.00} to clear the cash advance after not needing it. 

XXXX XXXX, XXXX : Reached out to Wells Fargo over the phone, was told they would issue a check then I would have to physically go into a branch, make the {$2500.00} payment and tell them I wanted to pay off the cash advance. 

XXXX XXXX, XXXX : I had a banker sit down with me at a branch location after being told that the amount cant be applied directly to the cash advance, it would be split between two separate interest rates ( purchases and cash advance ). The representative on the phone advised me that I should still make the {$2500.00} payment in the branch, in addition I would make a {$7.00} payment and that would clear the cash advance amount. I did everything they had told me to do. 

XXXX XXXX, XXXX : I received my billing statement and the cash advance amount is still on my statement and I have reached out to Wells Fargo once again, to no resolve. A supervisor told me they will reach out to me after I asked her to pull audio recordings of the representative that told me the cash advance would be cleared on my account with the payments made in the branch that day, however when I asked for her direct line she gave me an incorrect direct line phone number when I tried to contact her the next day to follow up and she has not contacted me. Im very disappointed in these banking practices by Wells Fargo they have told me to do all this running around to no avail and Im continuously lied too just to get me to go away and be another respresentatives problem.
Consumer complaint received 2017-10-19
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NAM National Arbitration and Mediation (MS)

filed for Bankruptcy in XXXX. Still getting call from collection agency attempting to collect on XXXX XXXX loan. Have a XXXX form sent from XXXX XXXX for cancellation of this debt. Received a call from XXXX Service.wanting me to pay this. spoke with XXXX XXXX XXXX, phone XXXX they called XXXX. Then on XXXX received a call from XXXX XXXX with XXXX XXXX saying I was being sued for check fraud by XXXX XXXX. Explained to this person that this has been canceled in bankruptcy, also faxed the dept cancellation form from XXXX XXXX. What can I do to stop these call. Every XXXX XXXX months I get these calls. XXXX phone XXXX. Your help is appreciated.
Consumer complaint received 2017-08-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Blue Brick Financial LLC (UT)

Received an advertisement in the mail from this lender that is obviously not true and not in compliance with full disclosure. They are advertising NO CLOSING COSTS. This advertisement is misleading and false, because the closing costs are built in to a higher interest rate. The consumer is still paying closing costs.
Consumer complaint received 2017-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (NV)

XXXX months ago my lease was up, paid every month perfect, when I left I made sure everything was clean, cleaner then when I moved in. This complex is trying to charge me XXXX for paint. When a tenant moves out it is not required to paint the unit. This is ridiculous. I need help. I 'm being taken advantage of and it is not fair.
Consumer complaint received 2017-10-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (NC)

I have been struggling to make my student loan payments for the last XXXX years since XXXX of XXXX. Since then my interest had added over XXXX to the debt to date. It took XXXX years before I was informed of the rate reduction program, that none of the employees seemed to know about, instead they offered forbearance and loan payment deferments, which kept the interest building. I am currently unable to make payments and they are unwilling to help. My current debt to date is XXXX on the private loans and XXXX on the federal loans through Navient.
Consumer complaint received 2017-10-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC (IL)

Received a call from XXXX if United Recovery Systems on XXXX and XXXX between XXXX. The call was for someone else within the household. When it was told to the caller that that individual was not available I was asked several questions as to what time she is to be home. Give another number to contact her on. Who is this that I am speaking with. I offered to take a message by which I did. I did not volunteer no further information. Received the call again. The person of interest is not in. I presented with more question give me a time that she is due to come in. Guess what time you should be expecting them. You dont have a time frame ruffly. Did you give them the message I left on yesterday? Whatever the case may be as why this company is looking for this individual when the person is not available no one should be subject to that type of questioning unless its the police. I see that as harassment and would like for the calls to stop.
Consumer complaint received 2022-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

I received a cashiers check dated of XXXX XX/XX/XXXX and that funds was debited after a stop payment was issued. The letter states since the account was closed with a negative balance owed a check was enclosed. I havent banked with Wells Fargo since XXXX and havent received or heard anything in years. I dont know if this cashiers is fraudulent or not, Ill like to declare if it is or not. However I did just call the number on back of the disclosed letter, XXXX and states it is a collection agency attempting to collect a debt.
Consumer complaint received 2023-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (TN)

I initially made a purchase from XXXX XXXX on XX/XX/2022. The items were too small and I returned them to be exchanged for larger sizes. The company didn't have the products and the cost of the order was {$160.00}. XXXX issued a credit for their site on XXXX, XXXX, XXXX at this time there were no items available on the site. XXXX over month there was a lack of merchandise on the site so the credit couldn't be honored. I then requested through US bank to dispute the original charges approximately XX/XX/2022. The original dispute was closed stating I didn't return proper documentation. However, when I called they had received the documents and were supposed to reopen the case on XXXX XXXX. They failed to do so I called again in XXXX to have this issue re-evaluated. The case was mishandled with little regard, because they continued to fail to update their notes that the documents were received and would only find them once I clearly stated they were sent and your co-workers verified these documents were sent. This case needs to be reopened and my refund needs to be issued.
Consumer complaint received 2024-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is so annoying & frustrating. Ive sent TransUnion multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In TransUnion 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX  XX/XX/2023, and XXXX XXXXXXXX XX/XX/2023.
Consumer complaint received 2017-10-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CT)

XX/XX/XXXX - Tried to apply for a loan consolidation of both federal and private student loans to hopefully lower my monthly payments between the XXXX ( currently paying {$420.00} for My Federal Loans and {$300.00} for Navient Loans ) ; was ultimately denied because debt to income, too little in the savings ( recent 1st time homeowner and I am a mother to a XXXX XXXX XXXX that I will have to start paying to put her in a preschool ) XX/XX/XXXX - called Navient to request information as to why my student loan payments continue to go up during the 2017 year. This XX/XX/XXXX payment will be the 8th time since XX/XX/XXXX that my monthly payments have increased for Navient student loans. They never send me any email correspondence or anything in writing indicating that my monthly payment is increasing. ( the only time I find out is when it is pulled out of my account ) XX/XX/XXXX/XX/XX/XXXX - applied to release my cosigner on my Navient student loans ; was denied because my " debt to income '' was too high. Also during this time period I tried to discuss with Navient to reduce the percentage of interest that keeps getting increased on my student loans and they informed me that they would need my cosigners information. My cosigner is my mother who will be XXXX XXXX XXXX in XX/XX/XXXX, she works maybe XXXX hours a week at a supermarket for {$10.00} an hour and the rest of the time she is generously helping us by watching my daughter because we can not afford to put her in a daycare program with my student loan payments/ mortgage payment/ household expenses/ credit cards/ medical expenses ( LIFE ). 

XX/XX/XXXX - spoke with them about why the interest rate increased on my student loans and Navient was very vague when discussing with me that I have a variable loan interest rate. NEVER once did they send me confirmation in the mail that changes to my account were going to happen.
Consumer complaint received 2017-10-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P. (TX)

I submitted letters of verification to the credit bureaus to validate collection and negative accounts on my credit report by requesting and sending me a copy of my signature on contracts with all companies on my credit reports that are showing negative or collections i.e. paramount recovery systems I sent certified letters off to all three credit bureaus on XXXX XXXX, XXXX. I heard back from the credit bureaus stating the account was valid but did not produce a copy of my signature on a contract. I.e. paramount recovery solutions. 

I received a letter in the mail on XXXX XXXX, XXXX from paramount recovery solutions stating they received notification for validation and attached documents with contained a break down of services I received at a hospital which includes : my name, social security number, date of birth, diagnosis, diagnosis codes, and insurance information. I was not aware that my very personal and private information was contain in these documents that were addressed to me in an erroneous address that could have been sent to the wrong address ( the document had the wrong city ) and my information could have been compromised and may have been comprised.
Consumer complaint received 2017-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

INACCURATE INFOMATION ON CREDIT REPORT SO I SENT IN A POLICE REPORT THE BREACH TOTALLY XXXX MY ACCOUNTS UP NOT REPORTING XXXX STATED BY LAW
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have reached out to the following credit bureaus, XXXX XXXX   and Transunion to dispute the Hard Inquiries on my credit profile that I did not approve and had no knowledge. The items below was unauthorized and was asked to be removed from each credit report and the credit bureaus failed to provide any evidence that these inquiries were accurate and have not removed the items. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX   XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX   XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX   Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2017-10-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (CA)

XXXX XXXX XXXX is reporting a collection account on my credit report that they have made absolutely no attempt to validate the debt before placing on my credit. I have never heard from them and when I went to apply for a loan I learned that they were reporting an account that Progressive Insurance charged off 4 years ago. Not only did they not validate the debt before reporting it they are now re-aging the debt. They show the account opened in XXXX when it charged off at the end of XXXX. I complained to XXXX about a charge and they did n't respond and it led to a charge off. The account is also duplicated. That means there are XXXX violations due to a single trade line.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX XXXX XXXX, CT XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$8900.00}.