TFC Credit Corporation of California CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
10/04/2021	Yes	Student loan Private student loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 190XX	Web
Dear Sir or Madam, 1. TFC CREDIT Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I immediately disputed this information with TFC CREDIT and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
07/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 15068	Web
Hello how are you? Im following your guidelines and not putting any personal information in this letter! I am writing to let you know approx 41 days ago I sent a notarized letter to the company in question about this issue and have heard nothing back! I have also tried to call and was told I had to write them which I did and submit a complaint! I have also reached out to the company which has went out of business since the pandemic! This information is not only incorrect but is negatively impacting my credit worthiness and opportunities. I need this corrected and taken care of immediately especially since this company is not collapsing protocol and responding within a proper and legal time frame as well as correct this situation for me the consumer knowing its impacting me negatively! Im question on my report the account XXXX XXXX XXXX XXXX XXXX Closed 120 Days Past Due ( incorrect ) Status updated XX/XX/2019 Balance {$0.00} Balance updated XX/XX/2019 Paid off 100 % Past due amount {$0.00} Original balance {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX It contains wrongful and false information and says that on the, on this of XXXX ; XXXX ; and XXXX are in red and marked as LATE ON THE report while every other payment is marked paid and in green. My educational institute at the time which is still in business vouches for me as well due to the school rules, you can not be late on any form of payment to the school or to a third-party payment institute or you will be dismissed from class until payment is made. That is still the current educational rules as of this date as well. Not only that, but there have been other reports of this current company I am, speaking of having other issues and a long history of derogatory and negative issues towards their clients This hole amount and loan has been paid off and timely every single payment and I refuse to keep having this affect me when I clearly have no other missed payments my hole entire history on any reports! In accordance with the Fair Credit Reporting ACT, This creditor has violated my rights! Under 15 USC 1681 section 602 states I have the rite to privacy! 15USC 1681section604A section 2 It also states a consumer reporting agency can not furnish an account without my written INSTRUCTIONS! Also under 15 USC 1666B A creditor may not treat a payment on a credit account under an open consumer credit PLAN as LATE FOR ANY PURPOSE! Which they did and thats illegal! Once again this is wrong and is not ok and I want it taken care of as soon as possible! This is not ok and I have not been able to get any help and have did everything Im supposed to! Pleas3 get this corrected for me as the company in question has not responded in a timely fashion and next is notarized letters from my attorney Thank you
08/24/2022	Yes	Student loan Private student loan	Dealing with your lender or servicer Trouble with how payments are being handled	AZ 85249	Web	Servicemember
I attended XXXX XXXX XXXX XXXX XXXX from XXXX of XXXX - XXXX of XXXX When I signed up I was told tuition was XXXX. Financial aid would cover not cover all of the tuition and leave XXXX. I was offered a private loan for the amount XXXX and was asked to pay XXXX on XX/XX/XXXX for the down payment, leaving a total of XXXX Total Balance due was XXXX for total tuition cost XX/XX/XXXX - XXXX payment ( Cash ) XX/XX/XXXX - XXXX payment ( Credit Card ) XX/XX/XXXX - XXXX payment ( Federal XXXX Grant ) XX/XX/XXXX - XXXX payment ( Federal Unsubsidized Loan ) XX/XX/XXXX - XXXX payment ( Federal Subsidized Loan ) XX/XX/XXXX - XXXX payment ( Electronic Transfer ) XX/XX/XXXX - XXXX payment ( Electronic Transfer ) XX/XX/XXXX - XXXX payment ( Electronic Transfer ) XX/XX/XXXX - XXXX payment ( Federal Unsubsidized Loan ) XX/XX/XXXX - XXXX payment ( Federal Subsidized Loan ) XX/XX/XXXX - XXXX payment ( Federal XXXX Grant ) XX/XX/XXXX - XXXX payment ( Electronic Transfer ) XX/XX/XXXX - XXXX payment ( Credit Card ) XX/XX/XXXX - XXXX payment ( Electronic Transfer ) XX/XX/XXXX - XXXX payment ( Electronic Transfer ) XX/XX/XXXX - XXXX payment ( Electronic Transfer ) Extra Charges XX/XX/XXXX SCH Charge XXXX payment ( credit card ) XX/XX/XXXX XXXX Charge XXXX payment ( credit card ) totaling XXXX Amount remaining XXXX would be the remaining balance that does not include the XXXX above charges that were not talked about in the total cost but added after the contract was signed so the actual balance should be XXXX because those additional XXXX charges were not included in the cost. I paid a total of XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX After I graduated I had some financial issues and fell behind. In XXXX of XXXX I was contacted by XXXX ( XXXX XXXX XXXX. XXXX ) They informed me that I could make payments for my debt owed to XXXX XXXX XXXX XXXX XXXX / XXXX I believe that XXXX XXXX XXXX XXXX hired another company to collect the debt that was actually owed to TFC. I arranged with XXXX to make bi-weekly payments of XXXX until the balance was paid. I did not miss one payment. It has been paid since XXXX of XXXX. I have a letter for proof. I can also provide bank drafts for the XXXX payments made. My credit report is still showing that I owe money to XXXX, it show that it is closed and has an outstanding balance of {$2000.00}, still showing past due as of XX/XX/XXXX this is for the money owed to XXXX XXXX XXXX XXXX XXXX. I contacted both TFC and XXXX they do not work together. I was denied a car loan due to the out standing amount. It has caused issues for a few years now. I am not sure how to handle this it is costing me money and I am unable to do anything. I have contacted the credit bureaus and they can not help me even with the letter that was provided.
02/16/2023	Yes	Student loan Private student loan	Dealing with your lender or servicer Problem with customer service	SC 29801	Web
This is not a loan although they call it that. I never received any money. TFC collects tuition installment payments for education providers. In my case, in XX/XX/ 2022 I contracted with XXXX XXXX XXXX, the sole proprietor of a business that provided specific vocational training in a four-month program, to pay her installment amounts for the program which was to begin on XX/XX/, 2022. Unfortunately, she died unexpectedly on XX/XX/, 2022, before the program began. It was announced by her husband on the program 's XXXX group and that he had immediately closed her school. Her death nullified the contract not only with me but with TFC, a fact about which they are puzzlingly indifferent. They did not know she had died and instead of using their contact information for her to find out if she was deceased wanted me to provide a death certificate. I do not have legal standing in Georgia to request her death certificate. That is reserved for family members and family attorneys. I sent screenshots of her obituary and the husband 's XXXX postings. In any event, the burden of proof is not on me. I and the other XXXX have sustained the damages in this case yet TFC continues to attempt to collect tuition payments for classes I never received. They even phoned in violation of federal law after I requested all communication to be in writing for legal reasons. Fearing for my credit rating, in the months after the death I made payments assuming the husband would rectify and settle with the XXXX XXXXeft in the lurch. He never did. I had the barest of contact with XXXX XXXX XXXX before her death. This was a very brief business relationship. I am trying to find contact information for her husband to go to small claims court to recoup my money. I am the one who is owed money in this case.
08/04/2020	Yes	Student loan Private student loan	Dealing with your lender or servicer Don't agree with the fees charged	TN 38122	Web
I attended a fraud college for one day XX/XX/2020. I got false information didnt know I was signing up for a loan. I was in a car accident same day was not able to get around so I withdrew due to lack of reliable transportation. I withdrew from the school the proper way and returned the books I received and then I started getting calls from TFC stating I owe almost {$700.00}. I didnt understand how because I only attended the school for one day. The loan company is extremely rude and will not compromise on any thing all they want is money that I do not owe. I had a bad feeling about the school and I was right because now the school is under investigation for fraud. The owner has been scamming students to pay out of pocket when the school is federally funded. The loan company TFC has to also be a scam because there no way I owe almost {$700.00} and I didnt attend the school. They have reporting false information to the credit bureau and it has effected my score in a negative way tremendously. Please help I am going through a hardship and I was already ripped out of {$1000.00} out of pocket tuition payment that the healthcare institute ( in XXXX, TN ) wouldnt refund me back. Please tell me what I would need to do to stop this inaccurate reporting. Thank you in advance.
06/08/2022	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	CA 91101	Web
I refinanced a student loan and TFC Credit Corporation has been pain in full by XXXX since XX/XX/22. It is now XX/XX/22, and the company has refused to return the overpayment in the amount of {$4800.00}. I have spoken with 4 different customer service agents at TFC, and each time they have given me a different reason as to why my check has not been sent out. I was initially advised that after the payment posted to my account, any overpayment would be mailed to me directly within XXXX days. XXXX, the customer service supervisor I spoke with on XX/XX/22 advised that I needed to request the money be returned to me otherwise the company retains overpayments. He then went on to say that I would need to wait another week for the XX/XX/22 check run. Today on XX/XX/22 I was advised by XXXX XXXX, a Director at TFC, that I would need to wait until the XX/XX/22 check run, because checks are only sent out once a month. Every time I have called this company, they give me a new reason for retaining the money. I am aware that companies float money for interest and this is exactly what is happening to me and many others scammed by TFC.
05/19/2016	No	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt was paid	NV 89183	Web
XX/XX/2015 I contacted TFC Credit Corp in an effort to clean up my credit. They informed me that my collection had been sold to XXXX XXXX, and that in order to take care of the collection with them, I would first need to pay off the debt with XXXX XXXX and subsequently, TFC would delete my collection as well. I was told this on two separate occasions, with several different people who work for TFC. I asked them for something in writing that would guarantee this policy, and they refused to send me anything. So, in XX/XX/2015 I settled with XXXX XXXX, thus taking care of my debt with both collection companies. Several months later, I looked at my credit again, and while XXXX XXXX had deleted my account from my credit report, XXXX still had not. I contacted TFC a few weeks ago to find out why they had not deleted their collection that no longer existed, and they said they could n't help me. I am writing this letter to report that I have paid this debt through the company they sold my debt to, and now I no longer owe TFC. That being said, TFC needs to remove the debt from my credit report as it is now falsely reported.
11/15/2017	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 61821	Web
For the last few months I've been going back and fourth with the XXXX XXXX in regards of a loan I " apparently '' which I'm verifying now. In XX/XX/XXXX I received a call from TFC requesting information on how i was going to pay to pay them. I informed them that I recently moved and gave them my address so they could proceed to send me the billing information ; I never received a any information or the confirmed email like they said they were going to send. In the beginning of XXXX I received a phone call from TFC informing me that I was 30 days past due and that a 30 day past due report hit my credit report. I asked to set up a payment plan and they gave me the run around but kept putting pressure on me to make my payments. The customer services representatives were very rude to me every time I called and there has even been a few times they hung up on me purposely. Last but not least I asked them today XX/XX/ to send me a copy of the agreed sign contract of the loan to my email I supposedly took out and they failed to provide me a copy as well. Desired Resolution : Correction to a credit report
06/10/2022	Yes	Student loan Private student loan	Getting a loan Confusing or misleading advertising	MA 027XX	Web
I signed and gave the XXXX XXXX a down payment of {$490.00}. They told me by mouth to pay the school loan after you are finished with the entire course. Which every school loan is paid after completion. After there will be an exam to take when the course was completed. Well I failed the exam and was told to start paying the loan the week after. The school withdrew XXXX out of my account three times and refunded it back after I told them about what they told me before I signed the paper work that I was going to pay the loan after the course was completed. I did the 75hrs of class. I emailed the instructor for a retake and he told me that I was needed supervision for a retake after. Along this time to find there program app wasn't going to be functioning after XX/XX/2022. Im an honest person seriously even the class wasn't what I was expecting and there's something shading. There's something not adding up. There website for the class was functioning write too. All numbers of contact to call back are not in service and were unknown numbers. # XXXX XXXX XXXX XXXX XXXX in Administration.
04/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92509	Web
THESE ACCOUNTS REPORTING ON MY CREDIT REPORT HAVE NOT BEEN VALIDATED. FOR A FINAL TIME BEFORE I SEEK LITIGATION WITH MONETARY COMPENSATION, I AM HEREBY OFFICIALLY REQUESTING THE ORIGINAL CONTRACTS ( For Inspection ) including ALL pages WITH MY ORIGINAL SIGNATURE ( no copies ) and also provide an affidavit certifying that you did not breach any federal state contractual, commercial or consumer laws in carrying out the alleged contract and associated transaction. Also provide a transaction history with dates and details of payments. Finally, certify that you did not unlawfully use my signature to materially alter, falsify, or endorse any contract bearing my name or signature INTO A SECURITY, in order to convert my contract into assets, or gain assets from a third party. You MUST certify and prove that you are an actual LENDER as defined by law. You are bound by law to provide this information upon request pursuant to FOIA USC 5 section 552 and the Fair Debt Collections Practices Act and FCRA. TFC - XXXX & XXXX XXXX - XXXX. REMOVE ALL INCOMPLETE/INACCURATE ACCOUNTS FROM MY CREDIT REPORT
04/26/2021	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	CA 93003	Web
I had no idea this debt was outstanding. I have recieved no written or verbal comminucations from this company for years. In reviewing my credit file I came accross multiple accounts in collections through this entity. The amount range from $ XXXX {$100.00}. I had no idea they were still billing me and seemed strange all the different amounts. I decided to write them a letter with an offer to settle my accounts with them on XX/XX/2021 @ XXXX PST. The total of my balances are {$830.00}. and I offered to settle at {$0.00} on the dollar. My offer was {$250.00} and I promised to pay the settlement offer in full by XX/XX/2021 in exchange for a full removal and deletion of the consumer debt I owe if they chose to accept. I sent them the letter certified with tracking number # XXXX. I got confirmation that my letter was left with an individual on XX/XX/2021 @ XXXX.
05/23/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 93312	Web	Servicemember
I used to work for XXXX XXXX XXXX for about 2 years. I have not owed anything with them nor did they tell me i owed anything the entire time working there. I do not kno what this collection is for and i have been consistently harrassed via excessive phone calls every other day. When working there, i reported that my boss was XXXX XXXX and XXXX XXXX me repeatedly over the entire time i was at XXXX. The next day, i started experiencing harrassment from supervisors and was fired 2 days after my report for unknown reasons. when i asked them to state the reason on my termination letter, they refused to contact me. shortly after, i began to receive harrassment from this debt collector company assosciated with the company. I do not owe anything to the company and have asked them multiple times to stop contacting me.
08/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08755	Web
A EX-SIGNIFICANT OTHER USED MY PERSONAL INFORMATION TO CO SIGN A LOAN ON HER BEHALF WITHOUT MY UNDERSTANDING OR CONSENT. I WAS TOLD THAT MY ONLY RESPONSIBILITY WOULD BE PAYING EVERY MONTH USING MY CREDIT CARD WHICH AFTER WE BROKE UP I DISPUTED AND TOLD I WAS NO LONGER PAYING. NEVER DID I AUTHORIZE ANYONE INCLUDING THIS COMPANY TO USE MY PERSONAL CREDIT TO SIGN FOR THIS LOAN. I ONLY AUTHORIZED MY EX XXXX XXXX TO USE MY CARD MONTHLY FOR PAYMENTS ON A MONTH TO MONTH BASIS UNTIL I SAW FIT. ONCE WE WERE NO LONGER A COUPLE I NO LONGER HAD OBLIGATION TO THIS MONTHLY OBLIGATION NOR DID I EVER HAVE KNOWLEDGE OR UNDERSTANDING THAT THIS WOULD BE REPORTED ON MY CREDIT AS I NEVER SIGNED ANYTHING WHATSOEVER, ENTERED ANY ESTABLISHMENT GIVING PERMISSION, ONLY VERBAL WITH MY EX SIGNIFICANT OTHER THAT I WOULD HELP HER.
06/29/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92555	Web	Servicemember
Reference : XXXX, XXXX and XXXX # 1 XXXX XXXX XXXX XXXX TX This company is reporting that I owe them almost {$4000.00} for XXXX XXXX School opened in XX/XX/2018 1 ) I have NEVER attended this school 2 ) I do not have any student loans with XXXX XXXX school. 3 ) XXXX schools across the country was CLOSED by the federal government several years ago for procuring fraudulent student loans under unsuspecting individuals names. # 2 TFC Credit Corp This company is reporting that I have a 'closed ' student loan account with them that is 119 days past due. 1 ) I have NEVER attended any school that has a loan with them. 2 ) I do not have any school accounts. This two companies above are reporting fraudulent accounts. Both need to be removed from my credit report immediately.
08/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 951XX	Web
" TFC CREDIT CORP '' IS REPORTING A BALANCE OWED AGAINST ME HOWEVER, WHEN TRYING TO CONTACT TFC CREDIT CORP, THEY ARE STATING THAT THERE IS NO BALANCE IN THEIR OFFICE UNDER MY NAME. I HAVE CALLED COUNTLESS TIMES TO GET THIS RESOLVED BUT WITH NO SUCCESS. TFC KEEPS TELLING ME THAT THEY CAN NOT LOCATE THE BALANCE. IF IT IS A TRUE DEBT THAT I OWE, I AM WILLING TO SETTLE IT BUT TFC IS NOT WORKING WITH ME. I ALSO MAILED THEM A " DEBT VALIDATION '' REQUEST OVER 30 DAYS AGO AND HAVE NOT RECIEVED A RESPONSE. THIS IS A VIOLATION TO MY FCRA RIGHTS. TFC CREDIT NEEDS TO DELETE THIS ACCOUNT FROM MY CREDIT OR UPDATE THE BALANCE TO ZERO. I HAVE ATTACHED A COPY OF MY IDENTIFICATION, THE DEBT VALIDATION REQUEST I MAILED TO TFC, AND A SCREENSHOT OF THE TFC ACCOUNT REPORTING TO MY CREDIT.
11/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 34606	Web
This loan was secured to complete my education, however the institution I was attending has permanently closed due to XXXX as of XXXX XXXX. When I spoke with the members of the staff at the institution and the lending company, I was lead to believe that this loan would be voided as the service and the school where not able to fulfill the obligations of the contract. I have attempted to reach out recently as I am trying to purchase my first home and this loan is still showing on my report, thus preventing me from getting approval. I have tried calling the service line for the past few months but I only get a line that plays some type of XXXX XXXX XXXX XXXX XXXXXXXX than beeps to leave a voicemail, which I have a few times.
03/28/2023	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	OH 454XX	Web
I took this loan just before starting XXXX XXXX at XXXX XXXX XXXX which began on the XXXX of XXXX. By XX/XX/XXXX I realized this was not for me and dropped out. I knew I would owe some money so I contacted the school to find out how much. They contacted me back and let me know I owed XXXX. I contacted the lender to work something out and we did. I received a payoff letter for the amount of XXXX on XX/XX/2023 that needed to be paid by XX/XX/XXXX. The next day ( XX/XX/XXXX ) a new account was opened. I was alerted through an email. I immediately called TFC ( the lender ) and was told that XXXX renegotiated the loan for more money XXXX. Is this ethical or even legal?
10/07/2016	No	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	WI 545XX	Web	Servicemember
I have a student loan for a XXXX school that went to collections. TFC Corp closed the account and transferred it to XXXX XXXX for collection and I am paying XXXX payments. However Tfc still shows I owe them as does XXXX for the same loan on my credit report. I told XXXX I can not owe both for the same loan and they say when I pay them off tfc will then say my debt to them is clear. I think they are actually the same people in reality. I can only get voicemail at tfc and they will not call me back. How do I even know when I pay XXXX off that tfc wo n't say but you still owe us? I ca n't owe both for the same loan, it shows I owe double the loan amount on my report.
06/17/2021	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11434	Web	Servicemember
TFC Credit Corporation, has contacted me concerning a debt of {$2700.00} in which I don't owe. # XXXX is supposed to be my account number, I was told the said contract began on XX/XX/2021. I did not sign any contract nor was I active in any school at that time. I have called TFC and requested a copy of contract, they stated it was sent to me. However, I haven't received any as of yet. On XX/XX/2021, the above claim of debt was placed on my credit report, lowering my credit score. I am also experiencing repeated collection calls for this debt in which again, I do not owe.
06/20/2016	No	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	CT 06002	Web
I attended XXXX and graduated. I was told that I would receive my certificate two weeks after my graduation. I waited and received nothing. I called the school and was told that I needed to finish paying my student loan prior to receiving a certificate. My husband has numerous degrees and said that he never had to wait to pay his loans prior to receiving a degree or certificate. Then XXXX closed its doors and went out of business. I still get billed by the company that I received the loan from, however, I have no certificate or promise to receive one from XXXX.
07/28/2020	Yes	Student loan Private student loan	Dealing with your lender or servicer Don't agree with the fees charged	WA 98926	Web
Non sufficient fees charged onXX/XX/XXXXand XX/XX/XXXX for XXXX each in fees. Payments were XXXX. I had enough money in bank account to cover payments. Bank has no records of non sufficient funds during the entire time of the loan. Tried to work out with company by sending bank statements via email on XX/XX/XXXX, but i was told its been too long over the phone, and no reply to email containing statements. Also the interest paid is too high as the loan was paid off in 8 months and I paid XXXX total. The loan was for XXXX at 10 % interest
02/06/2020	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	CA 92868	Web	Servicemember
After recent fraud on my credit report I have looked into accounts deemed in accurate. The debt collection agency TFC has been unable to verify the account is mine. I am Veteran and went to XXXX XXXX, utilizing my VA benefits. I would like proof of the agreement signed accepting the private loan because I never signed for a loan nor was that given to me as an option. Please provide the contract accepting the loan or documentation I had agreed to be responsible for the payments.
12/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	UT 84106	Web
XXXX XXXX and TFC are double reporting a debt on my credit file. I recently pulled my credit and noticed that TFC was reporting a debt that had been sold off to a collection agency. Well I looked at collections and sure enough XXXX XXXX was reporting the debt along with TFC?!? This is a violation under the FCRA and it needs to be fixed immediately. I can not settle this account because I don't even know who to contact at this point, they've just been giving me the run around.
07/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76140	Web
I have a loan with TFC CREDIT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and TFC CREDIT with no successful resolution. XXXX, XXXX, and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
04/29/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Unable to get your credit report or credit score Other problem getting your report or credit score	IL 60099	Web
I contacted the company in XX/XX/XXXX & XXXX in regards to reporting the account to all three credit bureaus, I was told it would report nothing ever reported under my business name and personal account. The loan was taken out in XX/XX/XXXX through XX/XX/XXXX in the amount of {$20000.00}. This loan was taken to build personal credit and business credit. TFC was paid the loan amount plus interest for a period 7 months.
08/01/2022	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	NC 28269	Web
I paid {$9300.00} to XXXX XXXX XXXX XXXX through their agents TFC credit corporation but did not receive medical education necessary to graduate and become gainfully employed. XXXX XXXX XXXX XXXX made false promises about their graduation and work placement rates. Also, XXXX XXXX XXXX XXXX lost its accreditation at the time I enrolled.
08/31/2023	Yes	Student loan Private student loan	Issue where my lender is my school Cannot graduate, receive diploma, or get transcript due to money owed	OH 441XX	Web
Im looking to get an unofficial transcript for my fasfa so I can get back into XXXX school to finish my degree. I called the school XXXX and they told me they do not do unofficial transcripts so I had to receive a actual transcript which I later found out I couldnt get because I owe the school money so they wont release it!
10/01/2019	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was paid	CA 923XX	Web
TFC Credit should not have been reporting me late because they had already sold the debt. This company did not have the debt for many of the months that is showing over 90 days late. This needs to be correct. They did XXXX the balance but told me I would need to file a complaint.
11/08/2022	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	MI 48239	Web
Never been sent actual contract. Even in the past making payments inaccuracies and balance then reporting late fees and payments but when you talk to customer service they say tak to school which never answers or calls back the last few years.
05/07/2023	Yes	Student loan Private student loan	Dealing with your lender or servicer Don't agree with the fees charged	WA 98682	Web
School loan payment pause ; though in effect, interest rates were still applied along with late fees.
06/20/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90044	Web
Tfc credit has reported two unvalidated accounts that do not belong to me please remove
03/27/2020	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10305	Web
The school had a big identity theft problem this is not my depth.
06/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 787XX	Web
sent ftc claim and all required documents for my claim
01/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43068	Web

12/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33544	Web

11/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43068	Web

10/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43068	Web

06/27/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77328	Web

06/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95212	Web

06/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95212	Web	Servicemember

05/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 89030	Web

03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 44224	Web

11/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 38107	Phone

11/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MN 55372	Web

08/22/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TN 38109	Web

03/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92509	Web

02/24/2022	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	IL 60477	Web Referral

01/24/2022	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was paid	TX 78046	Web

01/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 93543	Web

11/22/2021	Yes	Student loan Private student loan	Struggling to repay your loan Can't temporarily delay making payments	NY 11419	Web

09/17/2021	Yes	Student loan Private student loan	Dealing with your lender or servicer Don't agree with the fees charged	OK 74133	Phone

07/02/2021	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11434	Web	Servicemember

06/26/2021	Yes	Student loan Private student loan	Dealing with your lender or servicer Trouble with how payments are being handled	FL 34287	Web

05/11/2021	Yes	Student loan Private student loan	Credit monitoring or identity theft protection services Billing dispute for services	AZ 85140	Web

05/01/2021	Yes	Debt collection Private student loan debt	Communication tactics Frequent or repeated calls	CA 90247	Web

11/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60505	Referral

11/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60505	Fax

05/22/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NV 89074	Web

10/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 80012	Web

06/19/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90249	Postal mail

04/22/2019	Yes	Student loan Private student loan	Incorrect information on your report Account status incorrect	CA 90605	Web

04/09/2019	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	WI 53218	Fax

04/04/2019	Yes	Debt collection Private student loan debt	Communication tactics Frequent or repeated calls		Phone

01/20/2019	Yes	Student loan Private student loan	Dealing with your lender or servicer Trouble with how payments are being handled	CA 91946	Web

05/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect		Fax

02/22/2018	Yes	Student loan Private student loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days		Phone

01/18/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 99354	Web

11/13/2017	No	Student loan Private student loan	Getting a loan Fraudulent loan	CA 90806	Web

12/31/2016	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Keep getting calls about my loan	FL 33955	Web

12/16/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 90302	Web