davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NY)

Received two collection notices from TSI ( https : //tsico.com/ ) on behalf of XXXX for one of my companies. Called them to see what they are referring to since we're usually pretty current on our shipping bills. Was told it was for two shipments back in XXXX or so. Said I'd have to verify with XXXX to confirm they were unpaid. Had a pleasant conversation with someone there who, when I asked, advised me that yes, I can still pay them directly thru XXXX ( and therefore save the agency 's 14 % fee ). 

Went to the XXXX site, called them, paid the bills in full. TSI has been calling me about the so-called 'late charge '. The thing is the XXXX doesn't have a late charge. When I called they confirmed the bills were satisfied in full. 

TSI continues to call me and say they want their money. My response is always civil ; I speak with them and explain they're not entitled to a debt processing fee since they didn't process any payment. I've told them several times I am not ever going to pay. They continue to call and are belligerent when I respond that way. 

BTW 14 %!? Really? How is that legal? How can that be a fair percentage for sending a biull and processing? It's not as if they own the debt ; XXXX still was the debt carrier. 

I'm guessing this is happening to hundreds of individuals and firms as XXXX is a large company. I have even reached out to them to make note that perhaps TSI isn't the best collection arm to align themselves with.
Consumer complaint received 2016-08-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MN)

Our loan was assumed by Bayview Loan Servicing in XXXX XXXX. We had previously been serviced by XXXX. We filed Chapter XXXX bankruptcy in XXXX and made every monthly loan payment. We paid the courts our monthly payment for 60 months, they in turn paid the loan servicing company every penny they requested. When our loan was sold to Bayview they began sending paperwork about refinancing. The final court payment had been paid to XXXX in XXXX, just before the transfer. Once our chapter XXXX was paid in full Bayview notified the court and us that we were {$20000.00} behind in payments. I have called, sent filing documents, data from the courts about payments to the loan servicing companies and finally this past Spring 60 months of bank statements showing a payment made to a servicing company. They do not respond, they do not ever answer the phone and if they do call you back it 's always during the work day. I originally told them I am willing to discuss refinancing once we discuss why they think we owe them $ XXXX when it has already been paid. At this time I want this settled so that I can refinance or sell this home to get the mortgage out of their hands. Additionally, I am trying to make sense of the escrow monies they are collecting - they appear to be collecting more than required.
Consumer complaint received 2017-01-25
Product: Money transfers — International money transfer
Issue: Incorrect/missing disclosures or info — 
Company: WESTERN UNION COMPANY, THE (CA)

Sir/Maam : The Issue was im mistaken to sent money to my nephew using XXXX names which is " XXXX XXXX XXXX XXXX ". dated XX/XX/2017. i found out that he is only using one name which is only XXXX XXXX XXXX . Tracking number XXXX in western union.
Consumer complaint received 2023-03-29
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)

Ive noticed unauthorized inquiries and, accounts on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. 


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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-03-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Affirm Holdings, Inc (TX)

I purchased concert tickets through XXXX using a credit card created by Affirm to use. I would subsequently be billed for the purchase by Affirm in monthly installments. I paid the amount in full XXXX. The concert was rescheduled for a year out. I checked with ticketmaser and you could not receive a refund. Again in 2022, the concert was rescheduled for a year out. I checked with ticketmaster and they were issuing refunds. I applied for a refund through them ( per Affirms instructions to contact the merchant for a refund ). XXXX refunded the money to affirm. On XX/XX/2022 Affirm refunded one of my payments for XXXX to my checking account that was linked for making the payments to them. They list a check for XXXX being sent to me on XX/XX/2022. I have yet to receive the check. It has now been one month. I have called them three times and been told they will escalate my case. I have never received any response from them on the messages I have sent into their portal or my phone calls I have made. I am never told if they will really send me my check. I am just told my case will be escalated. I just want my refund. Their phone number is ( XXXX ) XXXX.
Consumer complaint received 2022-03-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (GA)

With chime on line banking account I called to update my email, they spelled it wrong, could not get back into my account, they sent me a check but it was spelled wrong to, they asked me to send them a selfie holding my ID where they could read it, did that saide they still could not read it, bought a special lens to enlarge it sent them numerous pictures of me holding my ID no they could read it now they're ignoring me and they have XXXX of my money that I have been trying to get back for months now and all I get is no response from them now they say that they received my messages but they never get back to me or reply to him my name is XXXX XXXX XXXX I no longer have the banking account with them so I can not call and talk to nobody in customer service I've been having to send through times support time emails I have a new bank that I have been with for years and years and I'm back with now and I've sent them my bank account number and I won't even reply what do I need to do to get my money in that bad because of this can not even afford to go to the doctors please help if you need to get in touch with me my phone number is XXXX and again my name is XXXX XXXX and no longer with time banking have not been for months now and I have a bank account with XXXX XXXX it was a check issued by XXXX  until my account when I had it with them and they kept it I want it back
Consumer complaint received 2022-03-18
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. (MD)

Equifax and XXXX reported a collection for the amount of XXXX on XX/XX/XXXX and a collection for {$1900.00} on XX/XX/XXXX. XXXX which these accounts were not created by me. Equifax and XXXX has not provided me original contracts with my signatures and they failed to reply to be with the XXXX  days of my written request. my rights are being violated and I would like them to remove this inaccurate information from my credit report.
Consumer complaint received 2022-03-19
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. (GA)

I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft XXXX XXXX XXXX USA Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

2. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

3. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

4. Identity Theft XXXX XXXX XXXX Date of inquiry :XX/XX/XXXX Please remove it from my credit report.

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

7. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

9. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

10. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

11. Identity Theft XXXX XXXX XXXX Date of inquiry :XX/XX/XXXX Please remove it from my credit report.

12. Identity Theft XXXX XXXX  Date of inquiry :XX/XX/XXXXPlease remove it from my credit report.

13. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

14. Identity Theft XXXX XXXX Date of inquiry :XX/XX/XXXX Please remove it from my credit report.

15. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

16. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

17. Identity Theft XXXX XXXX Account Number : XXXX  Please remove it from my credit report.
Consumer complaint received 2022-03-19
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: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act 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. 

XXXX - XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with the Fair Credit Reporting act Convergent Account # 1234, 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 2016-10-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (KS)

In early XXXX 2016, I establihed a cross-border account with TD Bank, N.A., XXXX. XXXX XXXX, XXXX, XXXX XXXX. The account showed up on the TD bank website with my XXXX accounts. I was told the account would not be open until 1. Sent back the signature card -- which I did not 2. Put a {$100.00} into the account -- which I did not I did not know how to use the account. I needed to take the time to speak to someone knowledgeable. 
The computer in error sent a statement for the unopened account I was charged {$1.00} I went in to the system and switched to online billing. 
The collection department demanding payment of {$36.00} told me the account should have been closed automatically within 30 days ( by the beginning of XXXX ), since I did not do # XXXX and XXXX, above. 
I received a letter dated XXXX XXXX. The letter demanded payment of {$36.00} for fees and overdraft charges. I paid the demand on XXXX XXXX, 2016, by giving the person in the collection department my XXXX account number to my XXXX XXXX XXXX account. 
The account is now closed. 
I have been told on XXXX XXXX, 2016, that TD Bank is going to keep the {$36.00}, which by their own admission should not have been charged for an account that was never opened. They admit the computer automatically sent a statement, even though the account was not open.
Consumer complaint received 2016-06-18
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc. (NC)

I have made several attempts to get my loan payment reduced ( even prior to filing Chapter XXXX bankruptcy ) but no one at the XXXX seems interested. Currently, I only make {$50000.00} a year gross and that is not taking into account deductions for taxes, XXXX insurance, child support, and school tuition for the my child along with daily living expenses such as food, gas, required auto and renter 's insurance, etc. The most I could pay a month is {$50.00} a month. However, with the interest rates the XXXX has set, I would not even make a dent in the interest.
Consumer complaint received 2023-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

In XX/XX/2023 I contacted Pro Collect to inform them they were furnishing inaccurate information on my consumer report due to me being a victim of identity theft. You can also see in the letters that I have attached that I requested a method of verification. None of the companies provided verification. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details, exact Prohibition : a law or regulation forbidding something. I did not make any of this up, this is directly from congress!
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I have attempted to request my credit report from Equifax, as is my lawful right. First, the webpage only offers pay for service subscriptions, without any notification that the consumer is entitled to receive their report from Equifax for free. The place to request your report is well hidden behind multiple walls. 
Then you are required to join their myequifax and consent to illegal terms and conditions for requesting a report. I attempted to call their customer service during their stated normal business hours, and was given an option to purchase the paid subscription or request my report online. After several menus and just holding and not pressing an option, I was told I was being put through to a representative. After a long hold time, I was informed I would have to call back during normal business hours. My call was already during their normal business hours. 
Equifax has committed multiple violations of the FCRA including, but not limited to the following : 612. Charges for certain disclosures [ 15 U.S.C. 1681j ] ( g ) ( 1 ) Failure to include the AnnualCreditReport.com pursuant to section 205 ( b ) of the Credit CARD Act of 2009 615. Requirements on users of consumer reports [ 15 U.S.C. 1681m ] 610 ( a ) ( 1 ) [ 1681h ], Every consumer reporting agency shall, upon request, and subject to clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request Bureau Summary of Rights Required ( A ) In general. The Bureau shall prepare a model summary of the rights of consumers under this title.

( B ) Content of summary. The summary of rights prepared under subparagraph ( A ) shall include a description of ( i ) the right of a consumer to obtain a copy of a consumer report under subsection ( a ) from each consumer reporting agency ; ( ii ) the frequency and circumstances under which a consumer is entitled to receive a consumer report without charge under section 612 ; ( iii ) the right of a consumer to dispute information in the file of the consumer under section 611 ; ( iv ) the right of a consumer to obtain a credit score from a consumer reporting agency, and a description of how to obtain a credit score ;
Consumer complaint received 2022-07-05
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. (FL)

n accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 crime which antedates the report by more than seven years. 

15 U.S.C 1681-2 ( 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 2022-03-19
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. (PA)

I am inquiring to remove the following info from my credit report. I am a victim of identity theft and did not authorize these charges. I've already reported the theft to the federal trade commission 's identity theft affidavit. I would appreciate it very much as soon as possible because it's a burden for me, I would like to leverage my credit and progress my financial lifestyle as soon as I'm able to remove these fraudulent accounts.
Consumer complaint received 2022-03-19
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. (FL)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX {$1000.00}, XXXX XXXX  XXXX Balance {$570.00}, XXXX XXXXXXXX XXXX XXXX XXXX Balance {$1100.00}, XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX  XXXX XXXX  ) XXXX Balance {$830.00}, Original creditor : XXXX Balance {$93.00}, Original creditor : XXXX Balance {$1100.00}, Original creditor : XXXX Balance {$1000.00}, Original creditor : XXXX Balance {$710.00}, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX ) showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.
Consumer complaint received 2017-01-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (MD)

Roundpoint Mortgage servicing changed my monthly mortgage payment amount based on an escrow analysis they said they performed but never sent. Although they have my email address and notified me of a late payment via this email address they did not send notice of the change in monthly mortgage payment. The payment I made was {$54.00} short of the new amount so they " held '' the monthly payment without notice and did not apply to my account. This seems to be done in an underhanded and secretive manner to incur late fees
Consumer complaint received 2022-03-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (UT)

I received a letter recently from my student loan servicer ( XXXX ) that they were selling my loans to another company who has contracted with AES to service the loans. That action is straight forward enough. My complaint is not why the transfer is happening, but how it is happening. 

1. I was notified not even two weeks before this would happen. 
2. The letter says that I should begin sending my payments to AES immediately after the loan transfer on XX/XX/2022. But there is no indication about how I am to do that. Further more, if you have direct deposit set up, it says that your payments will transfer to the new servicer for 90 days. And then it says you must set up direct deposit with the new servicer by a certain date. But again, how do I do that? And why wouldn't all of that just happen automatically? Why would I have to do anything at all? Asking borrowers to do anything at all in this transfer is wasteful, extremely negligent, and error prone. 

Again, this is negligence in its purest form. The consequences will be heavy for borrowers, both from a time standpoint, a credit profile standpoint, and a financial standpoint. This transfer is not well thought through, and borrowers will pay a heavy price.