davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (AZ)

This is a complaint from XXXX XXXX against Transworld Systems Inc for Transworlds failure to provide requested information for the debt alleged. Consumer has received multiple demand letters and phone calls from Transworld regarding a debt that he does not recognize. Consumer is an XXXX veteran with a XXXX XXXX XXXX and XXXX, and this matter has been causing an immense amount of stress. Because of this, consumer sought legal counsel for the matter. On XX/XX/XXXX, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d.  Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. The letter requested that Transworld respond within 15 days in order to start resolving the matter in an expedient fashion to mitigate further aggravation of consumers illness. Consumer received no response, so a CFPB complaint was filed on XX/XX/XXXX ( XXXX ). In response to this complaint, TransWorld responded providing statements from the original account as validation. However, these statements do not address the concerns outlined in the complaint, and do not show ownership of this account by TransWorld. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Consumer complaint received 2019-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Eastern Account Systems of Connecticut, Inc. (TX)

Eastern Account Systems actively pursuing that two accounts are for regular debt when they are Medical Debt incurred for scans while at XXXX XXXX XXXX hospital. They have refused to mark as such and continue to have it on my credit report properly. The company listed as the original debtor says XXXX XXXX and was incurred at XXXX XXXX 's hospital. XXXX XXXX 's even informed me that it was paid off by donations. They have also contacted me several times with spoofed phone numbers, multiple times a day on a work phone and mobile.
Consumer complaint received 2022-09-06
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: Shellpoint Partners, LLC (MS)

I am contacting you regarding subject account erroneous credit reporting. I am demanding an immediate removal of this reporting from my credit reports as it is hindering my purchase of a home SHELLPOINT MORTGAGE XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Mail code XXXX XXXX XXXX XXXX XXXX XXXX, LA  XXXX XXXX XXXX ) XXXX The home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX was included in Bankruptcy XXXX XXXX XXXX  of Mississippi filed XX/XX/XXXX and discharged XX/XX/XXXX. The Order of Discharge and list of creditors which includes XXXX XXXX  is attached to this email. 


Shellpoint purchased this property from XXXX XXXX  after the discharge of the Bankruptcy and proceeded to threaten me with foreclosure. I never acknowledged the validity of this account. It is unlawful to foreclose on property that has been included in a bankruptcy. .Apparently, this is a typical business practice of Shellpoint since there are so many lawsuits against them. Shellpoint sold the house and made a profit of over {$100000.00}. 


Again, I demanding immediate removal of the reporting of this account and any late payments and foreclosure from my credit reports. I
Consumer complaint received 2016-04-25
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: JH Portfolio Debt Equities, LLC (CA)

Attn : JH Portfolio : I am a victim of ID theft, my identity and account information was stolen and used fraudulently to obtain new accounts and incur fraudulent charges on open accounts by someone I suspected. In correspondence dated XX/XX/2016 I reported this matter to the Federal Trade Commission and the Police Department, both of who declared me a victim of ID theft. I forwarded my ID theft packet to your company, under FCRA 605B ( 15 U.S.C. 1681c-2 ), which states that you are to delete the fraudulent account from my credit report and give up all collection activity. Your company not only failed to do this, but also verified the debt as a valid debt when the credit bureaus contacted you to verify validity of the debt. This is a blatant violation of my rights FCRA. Additionally, the only response to the ID Theft report that I had sent your company was sent to me by your assignee XXXX XXXX XXXX, who perplexingly claimed that I needed to send them more information, and perplexingly they asked for the police report again
Consumer complaint received 2020-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Someone got hold of my credit information for XXXX XXXX, XXXX XXXX XXXX and used my cards which Ive contacted the company right away and they removed the negative items from my credit report and now its back
Consumer complaint received 2017-05-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TX)

I purchased  XXXX  gift cards issued by USBank from a  XXXX  on  X/XX/2017    at  XXXX   XXXX  CST. I loaded each with a value of {$500.00}. I have receipts and activation status receipts. I attempted to use the cards on the same evening at approximately  XXXX   XXXX  CST. None of the cards worked. I called USBank on  X/XX/2017    and was informed these cards were registered to a company I had never heard of. The cards were frozen with the original {$500.00} each. I was asked to fax my receipts, SSN, driver 's license, and card numbers to USBank and was promised a response i n four ho urs. After no response, I called and was told to call the next day. I called on  X/XX/2017   , and was told not to call again. They will call me later that day. I never received a call. On  X/XX/2017    I called and was disconnected. On   XXXX     2017 I ca lled and was told the matter would be resolved in  10 bu siness days. I called afte r 10 busi ness days and was told the matter would be resolved in 90 days, and that I should not call again. I called on  X/XX/2017    and was told the matter is under review, and they can not help me. So I 'm filing this complaint.
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

Trying to freeze/unfreeze/refreeze my experian credit history. I had to complain to their customer service department to get my credit unfrozen on more than one occasion. I use there web based solution, and I can't make any changes to my freeze status as their own copy/pasted information they do not recognize within their web site forms. 

On top of that, they make you think you have to buy their services to unlock your credit and/or lock your credit by bringing you to a purchase page first and putting in extremely small font, their " freeze '' page is at experian.com/freeze. Enter your information into their form, and it doesn't recognize your information, and they then tell you you have to send a printed document to an address that will take several days to process. 

THIS IS INEXCUSABLE in today 's world. I am FORCED to use their service. This company is so poor, I would not do business with them with the sole fact I am forced to use their services because THEY have unrestricted control of my credit information. This is CRIMINAL. All I want to do is change my unfrozen information to frozen and here I am filing a complaint against them as they have frustrated me to no end. They deliberately do this to try to force one to buy their worthless products.
Consumer complaint received 2016-04-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Linebarger Goggan Blair & Sampson LLP (TX)

I received XXXX County 's Original Citation submitted by Linebarger Goggan Blair & Sampson , LLP, signed by Attorney XXXX XXXX XXXX representing XXXX County Toll Road Authority. The citation states that I have to pay {$130.00} for the unpaid toll of {$5.00} that occurred on XXXX XXXX, XXXX. I have never received the original bill from XXXX XXXX XXXX XXXX XXXX that they claim they had mailed to me on XXXX XXXX, XXXX. According to XXXX County Toll Road Authority, it was only ONCE ( first and final notice ) that the bill was mailed to me. Three years later, without any reasonable option to pay the unpaid toll, I was faced with the citation with the beyond unfair and unreasonable collection fee. I am filing this grievance because the attorney representing XXXX County Toll Authority had not made any attempt to contact me and give me an opportunity to pay this toll. I have tried several times to contact the Law Firm ; however, I did not get any response.
Consumer complaint received 2016-12-12
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Central Portfolio Control Inc. (NV)

Call from XXXX XXXX for a debt from a college in California. Told him ok let me make a file for him and his company so I know how much and who I need to get ahold of. Got his name, phone number but when I asked for his mailing address he started getting hostile. Talking over me. and REFUSED to give me a mailing address. He threatened that he would take everything I own if I did n't pay. I told him I was recording and he hung up on me. The number he gave me XXXX is a fake number. 

I called back on XXXX, the number my phone picked up and it went straight to him. He did not answer as Central Portfolio Control.
Consumer complaint received 2016-02-22
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (VA)

I received a call on XXXX/XXXX/2016 at XXXX indicating my payment was past due. Upon speaking with my credit union which traced my account we found thay the Honda financial system had been hacked and my name had been replaced with XXXX XXXX. I have no way of contacting Honda quickly other than by mail.
Consumer complaint received 2015-10-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

SPS, Select Portfolio Servicing , INC, a mortgage servicer, servicing loans in California is refusing to comply with HAMP modification guidelines. They have received a complete modification package on this file several times. They assure a response within 30 days. Thay have NEVER responded in writing as to a resolution to the file. They ask that we start all over because they did NOT review the file in a timely manner. I have submitted FOUR separate COMPLETE applications, and not once have they approved or denied in writing ....
Consumer complaint received 2018-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

This claim started back in XX/XX/XXXX, I lost my wallet at our local mall here, I think, and that is how it all started, someone gained access to my personal checking accounts, inflated the accounts by depositing money into them, my payroll hit during this period, and then they withdrew everything ... I lost my entire wallet so it's safe to say that my ID and everything was in there. Once the claim was filed I got reimbursed XXXX for a fraudulent ATM withdraw ( Testing the waters for them I'm assuming ). My fraud check claim was initially denied because Bank of America stated " That the parties involved benefited from these transactions '', what does that even mean!? Either way, I'm writing this in XX/XX/XXXX, still not resolved in fact, things have become even more complicated. The account is still on hold, and it is still negative, since it has been negative for so long it has gone into collections, I can't stop the collections department even though the account is " Under investigation '', I can't stop them from reaching into my other Bank of America account and taking everything but {$25.00} in my name, they have done this twice already and the second time was within hours of receiving my direct deposit. Because of this lovely automated system, I can't pay rent, I can't pay my bills, Car payment, credit cards, student loans, nothing ... and according to all 5 of the different departments I talked to today ... I can't do anything to reverse that. Bank of America has apparently not looked at any footage for that day since then and I have submitted for multiple reconsideration 's in order to help my case, I've filed a police report, I have reached out to anyone and everyone in order to help but no one seems to know anything about this current situation, as a matter of fact, everyone I've talked to that has gone through the same thing claims their issues got resolved within the first week ... What can I do?
Consumer complaint received 2016-07-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Collection Technology Incorporated (TX)

I have contacted my student loan servicer several times to get a break down of the XXXX a month. How much is going to interest? I have much is going for collection fee? How much is going towards the actual loan? At some point I want to pay my loan off. I do want to make over payments, How much will actually go to the loan. On XXXX occasion they keep sending me a printout of the payments I have made. I have copies of that already. I want the detailed info so that I can pay this account off. I keep getting the run around. But no one can give me the info. Frustrated.
Consumer complaint received 2022-09-06
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. (NJ)

In accordance with the Fair Credit Reporting XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2021-11-29
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (IN)

I made several payments after my forbearance period ended. Which was XX/XX/XXXX. All overtime at my job had been halted I was barely bringing home enough to pay my bills in XXXX. My wife lost her job and I was the only one bringing home anything. Pennymac offered the forbearance program and it said on their website that it would be tacked onto the end of my loan. I provided them with all of the information they requested and waited just to be denied for a modification
Consumer complaint received 2016-06-06
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: American Credit Acceptance, LLC (AZ)

American Credit Acceptance opened a fraudulent auto loan with my information. After filing a complaint with my local law enforcement, the FTC and reaching out to them to request additional information and remove the fraudulent information, they have not responded. I will be mailing a follow up letter today.
Consumer complaint received 2016-04-27
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

I was contacted by Portfolio Recovery regarding a charge account that was delinquent. They called my cell phone repeatedly each day and sent the information to XXXX XXXX XXXX where I was informed I had to pay the amount or I would be sued in court. During this time I was going through a tough financial time as well as recovering from a divorce but felt pressured to comply or fear going to court. ( I have never been to court so that aspect scared me to death as I was n't sure what the Judge would order. I did n't want to go to Jail and not be able to see my son ). I had to borrow the money to satisfy the outstanding debt.
Consumer complaint received 2017-05-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation (KY)

I got a loan with World Finance Corporation,  XXXX   XXXX ,  XXXX , KY  XXXX ,  XXXX  last Fall (   XXXX    ). I  am recently divorced, had loss of income, single mom, etc. I took out loan to help with moving costs. Because of all the debt I had, I talked with and retained an attorney, discussing the possibility of bankruptcy. I decided against that ... felt like I owed the creditors and want to pay what I can instead of walking away. I am a client of   XXXX   XXXX   ( debt relief ). I have already settled  XXXX  accounts and having no problem with creditors other than World Finance Corporation. They have been contacting my family, friends and acquaintances leaving messages looking for me. I have NO OTHER person on my account with them, no co-signer, but yet they continue calling. I have blocked their number, but my family and friends are getting upset with the voicemails. I called the  XXXX  office this morning at  XXXX   XXXX . & told them that  XXXX  is in negotiations with their company and to please quit contacting everyone I know. It is making it harder to get this settled and borderline harassment. The lady I spoke with there said if I do n't take care of this within the next month, they will garnish my wages, i.e. This is the ONLY creditor that is calling me. Once I obtained the services of  XXXX , phone calls stopped by other creditors. As I stated previously, I have already settled  XXXX  accounts. I just wa nt World Finance Corp.,   XXXX  to STOP calling everyone I know.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2020-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

We have been in COVID forbearance since XX/XX/2020 and everything was fine. We called United Wholesale Mortgage to find out about extending our forbearance in late XX/XX/2020. They explained options at the time and we were supposed to call back in XX/XX/2020. Then, I received delinquency notice in the mail and called in XX/XX/2020 to find out why. I was told they removed us from forbearance accidentally due to error in coding. Since XX/XX/2020 I made over 20 calls to UWM to have them rectify the issue. On XX/XX/XXXX, a payment automatically drafted from our checking and we need this to be reversed ASAP as it the last few XXXX dollars we have for food and medical supplies. I made multiple requests for a supervisor callback, and to this date XX/XX/2020 I have not received any calls nor voicemail nor missed calls. Each customer service rep gives me different information and all they can do is send a request for a callback. This is unacceptable and we request immediate attention from UWM to resolve this problem.
Consumer complaint received 2016-08-16
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION (NY)

I spoke with my branch of M & T bank on XXXX XXXX in XXXX XXXX. I was told that I could not add more than one beneficiary to any new account. That in order to have my husband and XXXX children as beneficiaries as I had done in the past when the bank was XXXX XXXX, I would have to open XXXX separate accounts whether they be checking, money market or cd. I called other M & T Banks in XXXX XXXX and XXXX, XXXX and they do not have this rule. I called the M & T Service hotline and they connected me to XXXX XXXX XXXX in XXXX, XXXX who is the VP of XXXX branches XXXX XXXX XXXX. He said that this was true as an internal decision and there was NO written confirmation for account holders and he would n't give me internal memos. The bank claims that ALL banks in the US will soon be doing this. Not only is opening XXXX accounts cumbersome record keeping, it prevents me from accessing higher interest rates that vary with the amount of money held in a single account. This internal rule would also require me to make XXXX withdrawals every time I did to keep the accounts even to be fair to my beneficiaries. I argued with XXXX XXXX that this was an account change and should be in an account agreement and he said no it is an internal change. There is NOTHING in writing for consumers. Needless to say, I will not continue to bank at this M & T branch.
Consumer complaint received 2017-05-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

XXXX  received a phone call from Navient representativ    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   am   Offered a forbearance to get loans up but not a income driven repayment plan. Stated this was only for federal loans not private loans.
Consumer complaint received 2022-01-06
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. (OH)

This account is inaccurate XXXX XXXX XXXX NA # XXXX. The Last date of Activity, Payment Status, Account Type - Detail shows " CREDIT CARD '' on Experian while the XXXX and XXXX is " REVOLVING ACCOUNT '' and a FCRA violation. Please remove this inaccurate information from my credit report.