davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (MI)

XXXX XXXX XXXX ( a unlicensed debt collection agency ) on behalf of Transworld Systems and XXXX XXXX XXXX XXXX XXXX filed several lawsuits that resulted in default judgements between XXXX-XXXX and one lawsuit in XXXX/XXXX where I was provided with incomplete information showing ownership and chain of custody. This deceptive information included an affidavit stating that XXXX owned the loan in question along with a promissory note and other documents. I have never been given the requested chain of custody/assignment that shows XXXX owns the loans in question per y numerous requests. I have filed unsuccessfully motions to set aside these default judgments. I have since been garnished of both my state income refunds and paychecks. I have received debt collection letters dated XX/XX/XXXX & XX/XX/XXXX from Transworld Systems and XX/XX/XXXX from XXXX XXXX XXXX XXXX regarding these loans. XXXX is a servicer who is reporting these loans on my credit report as of date that included incorrect information. XXXX stated in a prior complaint filed with CFPB that they only have information from when they obtained these loans in question in the years XXXX-XXXX, however, upon calling XXXX they were the servicer on all loans upon date of origination on all loans in question. XXXX is reporting on my credit report to contact current furnisher, without knowing who truly own these loans its impossible to do so.
Consumer complaint received 2018-10-03
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: CITIZENS FINANCIAL GROUP, INC. (IL)

I attempted to get a loan for an XXXX. There was a system a error an app did not go through. I went to the highest office in the company to get Inq removed. Because I never Authorized. The company has not record of my personal information, I was never sent and Adverse action letter. They are supposed to keep for 2 years. Yet they still use their power to obstruct me from getting INQ removed from the XXXX credit report.

The CEO asst told me specifically they could not find an application or any information but in the same breathe refuse to remove the INQ. They either are lying or committing fraud. Or they are not keeping proper records which is against the law. 


This is the email I sent to the company : Good Morning, I am writing because i am getting no where with your company. I am prepared to write the CFPB and possibly get a lawyer involved here. I would rather deal with you. 

And Inquiry was placed on my credit report after you had a system error which caused an application to not be processed. I have all this information. Plus you have record of an error. I want the inquiry removed. Your system produced and error. No credit should have been pulled. I attached all the proof no application was processed. 

This is a simple fix but XXXX  says i need to go through you. All you have to do i fill out an credit bureau alter. 
I am asking that you do the right thing a remove the inquiry. 

But most of your customer service people have been rude and dismissive. I am willing to take any action within my legal authority to make sure under the laws of FCRA my credit is reported accurately. Your system made a mistake. If there is an error no app was processed no credit should have been pulled. Please respond a.s.a.p.
Consumer complaint received 2018-10-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The Cherrington Firm PLLC (UT)

The XXXX XXXX- Law Firm has made several calls to my personal phone asking e to pay a debt that is no longer valid under the FDCPA statue of limitations for the State of Utah . 
Account # on their behalf is XXXX. 

This is for XXXX XXXXXXXX XXXX from XX/XX/XXXX/XX/XX/XXXX. 

I have advised them that I was in communication with counsel on this as was worried that they may be in breach of the FDCPA. 
I received another call today. 

How can I relay to them to stop?
Consumer complaint received 2018-10-03
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MI)

" XXXX XXXX XXXX '' at XXXX has contacted my wife as well as my former roommate regarding a debt matter originating from XXXX XXXX XXXX. One " XXXX XXXX '' given as the caller, automated call. I called back and received a voicemail repeatedly with an unconfigured box. When I finally spoke to a person, " XXXX '' or " XXXX '' she explained that this was a debt from Ace and they were seeking resolution. I confirmed they had my new address and correct phone number, and was informed that the case was being filed in XXXX County, OH ( where I used to live ). She asked several times if I was seeking to resolve the issue, but that they were not debt collectors, merely legal processors for Ace  's claim. I stated that all I was trying to do with this call was to get them to stop calling people who are not me about this matter, and she hung up on me.
Consumer complaint received 2018-10-04
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: Fidelity National Information Services, Inc. (FNIS) (IN)

I recently found out that my name was attached and associated with 3 consumer reporting agencies, XXXX XXXX, Chex Systems, and certegy. I have called certegy they have a check in the amount of XXXX that was wrote on XX/XX/2014, associated with my ID found this out while I went to XXXX to cash a check as I have been doing many years they cant verify an address on file NONE of the addresses i have given them is tied to me, I called early warnings they gave a bank account that was opened in 2014 with XXXX XXXX, I wasnt even in XXXX yet, I disputed this issue with them and they are saying its accurate and its not, I want my signature to be verified, and what ID and address was used, the same for Chex systems its so frustrating all of a sudden I cant cash checks at XXXX or XXXX due to fraudulent accounts Ive never wrote a check in my life and Ive NEVER had a XXXX XXXX account. I want this removed from my name, how is it even possible I got 2 different fraudulent items in 2 different cities I can ONLY be at one place at ONE time! I just want them to detach these accounts from reporting against me because they are NOT mines and I do not write checks let alone shop at target and never have I ever been declined to cash a check until recently. I want this fixed, its a negative on me and I do not like it especially since these accounts have nothing to do with me.
Consumer complaint received 2018-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC (OR)

On XX/XX/XXXX, I was served a summons to appear in court on XX/XX/XXXX ( a court date that was more than 2 months prior to being served ) as I was being sued by Cavalry SPV I , LLC. I was  going through a divorce at the time, not knowing my rights as a consumer, & not wanting my pay checks to get garnished, I made payment arrangements on their website to begin paying off the debt. After my divorce was final, I began trying to clear up my credit. I realized that this debt was originally from XXXX & I had already paid them for it. However, I didn't realize at the time it was the one who received a judgement through the courts. I tried to dispute this debt & when they came back with the full copy of the judgement, I sent a check along with a letter agreeing to delete the derogatory amount from my credit report with the 3 credit bureaus. As you will see from the documents I am enclosing, I made the check payable for the FULL amount allegedly owed. Per their account statement to me, I allegedly owe {$2500.00} after previously submitting five payments of {$180.00} & one payment of {$180.00}. I wrote the letter & check on XX/XX/XXXX & sent it certified mail, which they received & signed for on XX/XX/XXXX.They have yet to cash it or contact me, all the while continuing to report over {$3200.00} ( see attached photo document ) on my credit report, with the amount rising each month. This is the only collection on my report & it is keeping me from buying a house. 
I am not sure what the hold up is, but I believe they are just holding on to it to keep reporting the derogatory amount. Just as they failed to give me notice to be in court, this company has shown complete lack of integrity.
Consumer complaint received 2018-10-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OH)

PayPal sent me a check payable to my XXXX username. The username was close enough to my real name to deposit. The check came back as a chargeback! I contacted PayPal months ago and they refuse to get back to me ( either reissue the check or respond in any manner ). This cost me {$25.00} in chargeback fees as well as an account closure due to their fraud. 

The {$1500.00} I deposited with them is shown as withdrawn via check, a check they stopped payment on and purposefully made out to an XXXX username, despite instructions given to them on their website. My money is in limbo.
Consumer complaint received 2018-10-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I recently found out that my name was attached and associated with 3 consumer reporting agencies, XXXX XXXX, XXXX XXXX, and XXXX. I have called XXXX they have a check in the amount of XXXX that was wrote on XX/XX/2014, associated with my ID found this out while I went to XXXX to cash a check as I have been doing many years they cant verify an address on file NONE of the addresses i have given them is tied to me, I called XXXX XXXX they gave a bank account that was opened in 2014 with fifth third, I wasnt even in XXXX yet, I disputed this issue with them and they are saying its accurate and its not, I want my signature to be verified, and what ID and address was used, the same for XXXX XXXX its so frustrating all of a sudden I cant cash checks at XXXX or XXXX due to fraudulent accounts Ive never wrote a check in my life and Ive NEVER had a fifth third account. I want this removed from my name, how is it even possible I got 2 different fraudulent items in 2 different cities I can ONLY be at one place at ONE time! I just want them to detach these accounts from reporting against me because they are NOT mines and I do not write checks let alone shop at XXXX and never have I ever been declined to cash a check until recently. I want this fixed, its a negative on me and I do not like it especially since these accounts have nothing to do with me.
Consumer complaint received 2018-10-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (NY)

In XX/XX/2017, I made a late payment on my mortgage to M & T Bank. It was not yet past 30 days, but it was late. I paid via my online checking account from XXXX. I entered the wrong address for M & T, and the check was sent to their office in Texas. The money immediately left my checking account, so I figured they received it. They never did, so I had to cancel the check from XXXX, and I re-sent the payment online, this time on M & T 's MyMortgage website. At this point it must have been past 30 days late. When I spoke to customer service, they said they'd charge the late fee but it would not show up on my credit report. 

Now, almost a year later, a mortgage broker pulled my credit and it's showing up as a negative mark on my credit report. M & T says they can not remove the negative mark, that I have to file a dispute with the credit bureaus.
Consumer complaint received 2018-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

This company has a number of accounts they have been contacting me about. The accounts have my name but I have contacted the banks who issued these credit accounts but the banks verified the social security number does not match my social security number. I have contacted this collection company via email, fax and US mail alerting them to this. The company responded to two of the accounts after I filed disputes with the three major credit bureaus and closed those collections because the credit bureaus were able to match the social security did not match. This collection company has four additional accounts open in collections that are not mine. After alerting this company of this they refuse to verify the social security number and continue to contact me via numerous phone calls and mail. XXXX XXXX XXXX have contacted me from thirty-two different phone numbers over the past four months. Even after being contacted that these accounts do not belong to me and to please verify the social number they have refused to listen to me and continue to harass me. They have also filed two civil actions in court under my name but wrong social security number.
Consumer complaint received 2018-09-27
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: EQUIFAX, INC. (FL)

I believe that I am a victim of Identity theft. I have contacted the three credit bureaus ; and tried to dispute the unauthorized inquires. All I have been told by Equidfax is that " the inquires were factual information '' ; that I would need to contact the companies to have them send a letter to Equifax and advise the to delete them. I contacted all of the companies ; most states that " you don't have any accounts, and they could not delete the inquires ''. Even though I advised them that my identity was stole. I was able to get letters from " XXXX XXXX XXXX, and XXXX ''. They stated that they found no accounts for me ; and that they would send correspondence to Equifax to have the inquires removed. i also contacted Equifax ; and was advised that they will not delete the inquiry ; and I have to wait until it fails off ; although I faxed over the letters that the company sent me ; stating that the inquires were indeed fraud and unauthorized. May you please help me in having these fraudulent inquires deleted? I placed a fraud alert on my credit report ; and am trying to rebuild after this. XXXX, is listed FIVE different times on my report. I don't have an account with them ; nor have I personally applied for anything with them. XXXX XXXX, XXXX XXXX, are also not authorized ; I contacted XXXX, and they also stated that I have no account with them ; and that they did not see an inquiry ; but I explained that it's on my credit report. I was a victim of FRAUD. Someone stole my info ; as you see I have no accounts with any of those companies. Please help me in deleting these unauthorized fraudulent inquires from my report. I contacted XXXX   and Equifax ; and they helped me with out a problem. 

Thank you,
Consumer complaint received 2018-09-27
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: EQUIFAX, INC. (AR)

Re : CFPB # XXXX Dated : XX/XX/2018 CFPB # XXXX Dated : XX/XX/2018 You stated that you obtained my information from XXXX. 

Which I find it extremely difficult if not impossible. Because I have a security freeze on my XXXX account dated XX/XX/2018. But assuming you managed to get my credit report from XXXX which is a direct violation of the FCRA then, XXXX does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. Please provide me the method of verification as required under Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract. Therefore, in accordance with s.1629e ( 8 ) of the Fair Debt Collection Practices Act, That clearly states that any information know to be false, can not be reported to any credit bureau , In the event that you can not verify the item pursuant to the FCRA , and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Please send me a copy of my updated credit report as soon as the above has been completed. Thank you.
Consumer complaint received 2018-10-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (IL)

I opened a Citi checking account under advertised terms and under a promotion which was not honored.

Earn {$600.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements - Within 30 days of opening your account deposit {$50000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$5000.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
- Maintain a minimum balance of {$50000.00} in your eligible linked checking and savings account for 60 days XX/XX/18 - Citi accounts opened online XX/XX/18 - {$50000.00} deposited to checking and {$150.00} to savings XX/XX/18 - Requirements met XX/XX/18 - Confirmed via Citi chat that requirements met. OK to move funds out. 

XX/XX/18 - {$40000.00} transferred out of Savings XX/XX/18 - Bonus should have posted per Citi 's terms XX/XX/18 - Confirmed via phone that promotion have been met. Case opened for " back office '' to investigate. Investigation reference number : XXXX. Need 2-3 days to confirm and post bonus XX/XX/18 - No updates on investigation
Consumer complaint received 2016-05-08
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Protection Association, L.P. (TX)

I have asked Credit Protection Assoc. to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2018-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc. (TX)

I have contacted CONNS over 10 times for this matter and spoke with XXXX ( Employee # XXXX ) and have even spoke with XXXX ( Employee # XXXX ) on XX/XX/2018 and XXXX XXXX on XX/XX/2018 at the corporate office that said they would take care of this account # XXXX before.I want to speak to someone within the next 48 hours because this is too XXXX after knowing that I have paid for this account in full. This has stopped me from getting my very first new home with my XXXX child. I have given my now landlord notice to vacate to move out. We will be homeless in less then 15 days. How does it feel to get an approval as a single mother trying to make my XXXX daughter happy and to give her her own room to being denied because of an account that has already been taking care of. Not only that it is paid but it is now showing on your credit report multiple times inaccurately.
Consumer complaint received 2018-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF THE WEST (CA)

This complaint relates to my complaint # XXXX. 

As of today, XX/XX/2018, Bank of the West still has not returned my personal check to me. To recap, Bank of the West refused to cash a check I deposited in the ATM that was made out to my minor child and properly endorsed by me her parent. Then, Bank of the West lost the check. 

They claimed to have mailed a " legal tender '' check to me - whatever that means. Allegedly, a copy of my check. But I have not received it. They claim to have sent this " legal tender '' check to me on XX/XX/2018, but here it is XX/XX/2018 and I still have not received it. 

I don't believe they have mailed the check. I think they are so incompetent that they don't know where my check is. 

This is a check drawn on XXXX XXXX XXXX XXXX and made out to my minor child. 

They are hands down the worst bank I've ever dealt with.
Consumer complaint received 2018-10-03
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. (TX)

I had an account with XXXX XXXX but closed the account and XXXX XXXX sent information to a collection company for un-returned equipment that was later determined to have been returned. When I contacted XXXX XXXX they informed me that they would have the information retracted from the collection company which is named XXXX XXXX XXXX.but the company never made the adjustment. 

In addition, the amount that is listed as owed is XXXX and is NOT an amount that XXXX XXXX listed as being owed. 

XXXX XXXX sent me an email stating that I have a credit of XXXX and one for XXXX. There is no balance on the account with XXXX XXXX and the collection company refuses to make the corrections on either of the 3 credit reporting agencies. 

Please help me to correct this issue and have it removed from all 3 CRAs I am attaching a copy of the correspondence from XXXX XXXX with the above stated information listed.