davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (MN)

I'm writing regarding a private student loan taken out through XXXX XXXX XXXX XXXX XXXX in XXXX that went into default and then became a judgement against my co-signor and myself. The Consumer Financial Protection Bureau brought a claim against XXXX which became a judgement in XXXX stating that XXXX and it's servicers practiced illegal collection activities and falsified court documents to collect judgements against loan holders that they were not entitled to. 
I believe my loan is part of the class of loans that were fraudulently filed and had falsified documents to procure judgments against the loan holders. In my complaint you will find documents that prove my loan is part of the class of loans that are to be audited for accuracy, as well as additional information supporting my claim. 
I'm requesting that my loan be audited and have all collection activity ceased on our behalf until it can be proved that it is either legitimate and has the right to be collected on, or that it was filed with falsified information and indeed unlawful. I would like the outcome to follow the description in the judgement filed against the XXXX  ( court case number : XXXX ) I would also like my information to be updated as a lawsuit class member. 
In XXXX my co-signor and I took out a private student loan in the amount of {$20000.00}. It defaulted later that year as I was no longer in college and unable to make payments. Collection activities began immediately and by XXXX I was receiving threatening and unrealistic debt collection attempts from TransWorld Systems. In XXXX I was told if I didn't pay them {$2500.00} upfront and {$450.00} a month they would take me to court. I offered {$200.00} upfront and {$100.00} a month and they refused to work with me. 
The paperwork filed with the courthouse, ( Plaintiff ) states that we were served in XXXX for a judgement hearing against the defaulted loan, in which the court granted a default judgement in the plaintiffs name. A few things I would like to point out about this court paperwork and process : - The name on the complaint : Plaintiff : XXXX XXXX XXXX XXXX XXXX XXXX ; a XXXX Statutory Trust ( please see documents - shows that our loan is part of the lawsuit ) - The paperwork filed with the courthouse states that ( Plaintiff ) " lost '' original paperwork that was served to us ( Defendent ) but to the best of their knowledge the information was correct. ( see documents ) - I don't believe that the dates that we were served are true and correct on the court paperwork, but as the they stated that they lost the original paperwork, there is no way to be certain. 
-They also stated that the loan principal balance was {$29000.00} - we took out a loan for {$20000.00}, Interest in the amount of {$6100.00} from and before XX/XX/XXXX, as well as fees for a total of {$36000.00} This amount is almost double the total we took out 7 years earlier.
Consumer complaint received 2021-03-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I have been laid-off for eight-month and I'm really struggling financially. My wife has an issue with PayPal. PayPal decided to hold -off her money for 180 days without any reason or notifications. Her friends advised her to take this issue to a Congressman in order to solve it. My family really needs this money, the money amount not that great but due to my situation still means a lot to us. Please advise.
Consumer complaint received 2019-12-14
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. (WI)

I was notified through my credit monitoring service about 3 hard inquiries on my credit report. The dates were XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of 2019. These were not authorized by me. The inquiries were all from XXXX XXXX  for a XXXX credit account. I called this company on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX and XX/XX/XXXX. I also received letters from XXXX XXXX  for each incident stating " we regret that we are unable to approve you for the service at this time for the following reason, Risk of Invalid Identity ''. I put a fraud alert on my credit XX/XX/XXXX. I attempted to dispute these inquiries on line with the credit reporting agency EQUIFAX. Within 48 hours EQUIFAX replied with " inquiries are a factual record and they can not change that ''. I had detailed the above in my dispute. I had asked XXXX XXXX  to send letters to the credit bureau which they said they would and it would take 30-60 days. I asked for a copy of the letter and was told they would not send me a copy. These inquiries have affected my credit score and I would greatly appreciate some help resolving this. I have spent 7 hours on the phone with this bank and time with Equifax and am tired of getting the run around.
Consumer complaint received 2019-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Company at fault : Shellpoint ( Mortgage Servicing ) My mortgage was recently transferred from XXXX to Shellpoint XX/XX/2019. In the first billing statement Shellpoint applied a {$15.00} surcharge. According to the company it was a house inspection verifying the existence of property. I did not receive advance notice, consent to this charge and it is not a part of Mortgage Servicing standard agreement. This charge is unlawful.
Consumer complaint received 2021-07-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

After formal letters and calls to the three credit reporting agencies of Experian, XXXX and XXXX they continue to report inaccuracies and have violated my rights as a consumer. This has caused me great financial harm as a consumer and my ability to contribute to the economy. There was not sufficient information nor proper information in response and lacked validity of debt. I have tried to work out with them directly but automated answering services and failed responses from the US mail now well over 90 days have continued to cause me harm and violate me as a consumer. 

First letter was mailed on XX/XX/XXXX and failed to comply with investigated results within the 30 day time frame. I then sent a follow up letter on XX/XX/XXXX via certified mail. 

THIS IS XXXX XXXX. XXXX!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY!
Consumer complaint received 2021-07-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After formal letters and calls to the three credit reporting agencies of XXXX XXXX and Transunion they continue to report inaccuracies and have violated my rights as a consumer. This has caused me great financial harm as a consumer and my ability to contribute to the economy. There was not sufficient information nor proper information in response and lacked validity of debt. I have tried to work out with them directly but automated answering services and failed responses from the US mail now well over 90 days have continued to cause me harm and violate me as a consumer. 

First letter was mailed on XX/XX/XXXX and failed to comply with investigated results within the 30 day time frame. I then sent a follow up letter on XX/XX/XXXX via certified mail. 

THIS IS XXXX XXXX. XXXX!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY!
Consumer complaint received 2021-07-27
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TN)

Well what happened is during a hardship that all my creditors were notified of the former job loss on XX/XX/XXXX of XXXX and then again after that job loss that was due directly to positive XXXX test that my son and I hand and also medical concerns and while trying to work with my mortgage company to modify my home loan with the energy efficient refinance plan as I have requested for permission back in XXXX of this year from my home loan service provider to rent out my property instead of selling my home as we are moving and that rental income is needed due to this hardship I had went to Home Depot to get some paint and things to get my home ready to move into for a renter and upon purchase was told that my card did not work so I called the credit card company as I have a credit card with Home Depot which I have only used and then immediately repaid each and every time and have never left a balance on in the entire time that Ive had it and I was told by the company that they took it upon themselves to cancel my account.
Consumer complaint received 2021-12-31
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. (CA)

I previously notified your company that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I filed my original Identity Theft Report with the Federal Trade Commission on XX/XX/2021, report # XXXX. As well, I filed a complaint with the Consumer Finance Protection Bureau on XX/XX/2021, Complaint # XXXX, with your company XXXX XXXX and sent the same information to XXXX, Equifax and XXXX. 

I recently pulled a copy of my credit report on XX/XX/2021, and found that XXXX XXXX is still reporting this fraudulent information to my XXXX, Equifax, and XXXX Credit Report. 
I have enclosed a copy of the new FTC Identity Theft Report, Report # XXXX, filed on XX/XX/2021. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to the CRAs.
Consumer complaint received 2022-01-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion dropped my score XXXX points for XXXX percent credit usage but only increased it XXXX points when the problem was fixed this not fair how many points they take but do not return them
Consumer complaint received 2021-07-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I wrote the three credit bureaus, XXXX XXXX  and TransUnion on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.
Consumer complaint received 2021-07-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I wrote the three credit bureaus, XXXX, Equifax and XXXX on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.
Consumer complaint received 2022-03-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

I was scammed on a used vehicle listing for XXXX. I tried contacting Chase ( my bank ) and XXXX XXXX  ( recipient bank ) on XX/XX/2022 a few hours after the wire transfer. My bank had no one available to help and said they couldnt get back to me till the morning because its a back end issue, so Im waiting to hear back, but this is a time sensitive issue. XXXX  XXXX  had no one to speak to cause apparently they were closed.
Consumer complaint received 2021-07-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Team Recovery Inc. (OH)

Good evening, I am writing this agency concerning an ongoing matter with a collection agency which has refused all communication on my behalf, seeking to verify and validate debts reported which are unknown and not mine. The company handling this information is Team Recovery, debt buyers. Their are numerous accounts being reported and because the company has not deigned to even respond to my disputes, has not once provided the documents requested from the original source, has not even bothered to provide any transparency, I am writing this agency to provide the oversight that is sorely needed here. 

In desperation to have these issues resolved I have even gone so far as to pay debts which I know are not mine to have them removed from my consumer files but it is disheartening and I did so before I knew of your agency. It is beyond unfair to not only be presented with collections I know are false but also to be made to pay them as a sort of blackmail in order to have my credit report be my own. 

Here i am asking for mediation and intervention on this agencies behalf, so that this can be resolved. I have been ill treated and given the run around, I am certain this agency will not be treated in the same shameful and shabby manner. Therefore I ask for assistance to resolve this matter and put an end to the fraudulent collection attempts by this agency.
Consumer complaint received 2021-07-27
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

I am a victim of identity theft. An account was established in my name, fraudulently, with Toyota Financial. 

I have filed a police report with XXXX Police Department reporting this crime. 

I have notified the company multiple times about this, but as of today, they failed to conduct a thorough investigation and are still reporting this fraudulent account on my credit files.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: First Technology Federal Credit Union (ID)

Greetings, I am filing this complaint to dispute an inquiry that a credit union incorrectly made on XX/XX/XXXX. 

In XXXX, I applied for a credit card with First Tech Federal Credit Union. First Tech approved my request and sent me a new credit card, which I have been using ever since. The credit union then erroneously made a second inquiry into my credit report on XX/XX/XXXX. Today I received a letter saying that, after making the second inquiry, they rejected my alleged request for a loan. 

I never filed for a loan from First Tech ( or any other entity ) and did not request a second credit card or any other line of credit from First Tech. I only made the initial request for the approved credit card.

I called First Tech to dispute the second inquiry, but a representative told me they have no way of removing it from my credit report -- which is not true, from what I know. The rep also said they treat the terms " credit card '' and " loan '' synonymously, and he hung up on me. 

I am seeking help removing the second inquiry from my report as it has adversely affected my credit score. 

Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (NC)

I do not owe this debt. The description says the original creditor is XXXX and I currently have an account with XXXX so how do I owe them a debt. I have no knowledge of who Afni is and I do not have a contract with them.
Consumer complaint received 2021-07-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor. 

I am fully aware of how reporting works and found evidence of non-compliance in accordance to the E-Oscar and Metro 2 format methodignoring to report. 

US BKPT CT NY XXXX Account ID : XXXX ( Equifax ) XXXX ( XXXX ) XXXX ( XXXX ) On XX/XX/2021 ; XX/XX/2021 ; XX/XX/2021 and XX/XX/2021 I requested Credit Bureaus to send me the name and address of the furnisher of information who helped them verify that the filed on was accurate. All three bureaus listed the source!!!!!!!, but not the actual furnisher. They have failed to comply with FCRA prescribed procedures ( 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ; 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ; ). This item must be Deleted immediately. 

Please see attached documents of proof of me sending the letter and the agencies receiving them. In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 

It is very critical that you please investigate and resolve as this is harmful to my character and is obstructing my capability to obtain mortgage.
Consumer complaint received 2019-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF THE WEST (CA)

I opened Bank of the West ( BOTW ) checking Account in XX/XX/2019 because they had a promotion of {$250.00} in which they promised that if the customer deposits {$250.00} every first week of the month then in the month of XX/XX/2019 BOTW will provide a gift money of {$250.00}. First of all I completed all the requirements by BOTW. I did not receive the welcome bonus and on the top of that they also deducted {$10.00} from the account in XX/XX/2019. I called customer service but they were of no help. I would request the CFPB to please take required action and take a strict action against this bank. This is a fraud bank which shouldn't be functioning in America and should be immediately closed.
Consumer complaint received 2021-12-31
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. (TN)

I recently submitted a complaint on Equifax for not investigating and addressing a problem on my credit report. They closed my CFPB complaint without providing any information on what was or is being done to address the problem. I am insisting that they reopen the case and investigate it and provide information on exactly what they are doing, or have done to address my complaint. Here is my original complaint : A collection account showed up on my credit report out of nowhere. I contacted the credit agencies to dispute it because it doesn't belong to me. I have no knowledge of the account and I received no notice from anyone about the account. It just showed up on my credit report. I contacted Equifax to dispute it. Equifax sent me an email with a document showing that they added a note to my credit report that it's disputed, but the account is still on my credit report. I have no documentation concerning this account because it is not mine! I have no knowledge of the account. It is not my account.
Consumer complaint received 2019-12-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TCF NATIONAL BANK (NJ)

The company is fully aware of my financial hardship & the situation that is directly responsible for it. I have tried several times to request help in regards to deferring payments but their rules do not that. They have also started spam calling my phone throughout the day despite the fact that I have requested an investigation into the discrepancies on my account. They are in direct violation of the Fair Debt Collection Act due to this harassment.
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

I OPENED THE ACCOUNT IN FALL OF 2021 AND USED THE CARD TO MAKE A PURCHASE. THE BILL CAME AND I PAID IT IN FULL ON TIME, JUST LIKE ALL OF MY OTHER CREDIT CARDS. DUE TO THE XXXX HOLIDAY, MAIL IN XXXX WAS RUNNING LATE AND MY PAYMENT WAS RECEIVED LATE. I WAS CHARGED INTEREST/LATE FEE/PENALTY. I CALLED TO COMPLAIN AND GET A ONE TIME COURTESY REMOVAL OF INTEREST/LATE FEE/PENALTY. THEY SAID THEY WOULD TAKE CARE OF IT. HOWEVER, ON MY NEXT STATEMENT, NONE OF IT WAS REMOVED AND I WAS CHARGED EVEN MORE FEES/PENALTY/INTEREST. I CALLED TO COMPLAIN AGAIN AND ALSO CANCELED THE CARD. AGAIN I WAS TOLD EVERYTHING WOULD BE ZEROED OUT. AGAIN, ON THE NEXT STATEMENT IT WASN'T. NOW THEY REPORTED ON MY CREDIT REPORT! PLEASE HELP!! I PROMISED TO NEVER SHOP THERE AGAIN!!
Consumer complaint received 2021-07-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (OH)

I am not liable for this debt with XXXX  and I do not have a contract with CAINE & WEINER plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$180.00}
Consumer complaint received 2021-07-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

After reviewing my credit report, I contacted Portfolio Recovery Solutions on XX/XX/XXXX at XXXX XXXX XXXX to dispute the negative reporting by them. I requested for more information regarding the negative reporting by them on my credit report. I asked for detail information regarding this and the information they have to be emailed to me or by mail. Provided my email and mailing address to them. 

Description of the information on credit report : Account is in collection and has a {$460.00} open balance. Account was opened on XX/XX/XXXX ( 11 months XXXX. XXXX  XXXX XXXX  XXXX XXXX. is the original creditor. I have checked my records and found that I did have a XXXX XXXX Credit Card in XXXX. This account was " CHARGED OFF " and closed by the original creditor XXXX XXXX XXXX ). 

I received the requested information from PRA, LLC on XX/XX/XXXX in 2 envelopes. As you will see from the attachments to this complaint : ( 1 ) envelopes have no company logo or any inference it's from PRA, LLC ( 2 ) Information in one of the letter is inaccurate, incorrect and misleading. PRA, LLC never notified me previously when the company purchase this debt on XX/XX/XXXX. Also PRA, LLC is demanding payment when the debt is in dispute. ( 3 ) Information in the other letter shows account open date and it's different from the reported open date in my credit report of 07/29/20 provided by PRA, LLC.