davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-07
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: AES/PHEAA (FL)

In XXXX my bankruptcy was finalized through a federal court action. My student loans were private in nature, not guaranteed by the United States Department of Education. There is over {$1.00} XXXX in student loan debts that are guaranteed by the United States Department of Education, and by federal mandate these debts are not dischargeable by a personal bankruptcy. However, all privatized student loans can not be enforced without a direct state court action of my domicile. In the case of my original student loans, they were procured by XXXX, sold off into a securitized trust, and eventually they sold off the servicing of these loans to at least two collection agencies, disguised as servicers of federal guaranteed loans. My bankruptcy filing is 100 % legitimate, and the fact that there was no dispute presented on the filing is proof enough that the only action that could have been taken was by an action for summary judgment. The student loans discharged were against the current servicer at the time of filing in XXXX, that being XXXX XXXX XXXX, and since the discharged the loans were picked up for servicing by American Education Services. The latest collection agency is a private collection agency that must have federal oversight through the Federal Trade Commission. The current actions by the latest agency has done damage to my personal credit, even though they have no right to collect on a debt that was discharged by an action I took within a federal court. The current agency is nothing more than a subsidiary of XXXX XXXX XXXX, a scam practice whereas my rights can continue to be violated. Bankruptcy is protected by the United States Constitution, where every American citizen has a right to claim insolvency. My rights under the Fair Credit Reporting ct and the Fair and Accurate Credit Transactions Act are being violated. This collection practice must cease permanently, and any or all references to this past debt must be deleted from my pertinent credit reports immediately.
Consumer complaint received 2016-02-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

About 3 years ago, I started my own XXXX and opened up a BOA business account along with a credit card merchant service. When I signed up the contract with the bank agent, the guy told me that I can cancel the credit card merchant service any time I want without any penalty. Things have been going smoothly until I closed my business 6 month ago, when the BOA collection department started sending me letter and had me pay them {$540.00}. I understand that I am responsible for the {$44.00} as it is the service fee for the last six months, but I have no idea why they ask me to pay the {$500.00}. After getting the first letter from them, my son called them immediately in an attempt to figure out where the {$500.00} came from. The representative said that the {$500.00} is something called " Early Termination Fee '' which I should take care of it as my XXXX shut down before the contract is over. I was extremely frustrated because the bank agent did not mention anything about the " Early Termination Fee '' in the beginning, she kept telling that I was able to cancel the service freely. My son had negotiated with the collection department and customer service for a long time, and finally they agreed to escalated my case to their management level to see whether they can waive the {$500.00}. Two weeks later, my son got a phone call from a lady whose name is XXXX XXXX I believe ( her phone number is XXXX ), she told us that we no longer need to pay the {$500.00}. I was glad that they waived the {$500.00} at the end, but when I called back the collection department to double check, they still told me I own them {$500.00}. Then my son tried to get in touch with XXXX XXXX, Customer Service, and Collection department to figure out what 's going on here. Customer Service and XXXX XXXX said I do not own them {$500.00}, but the collection department kept sending me letter for the {$500.00}. I am really lost now. It takes long time to get through their phone tree and waiting time, so I decide to lodge a complain here and ask for help. I feel that they treated me in a very unprofessional manner, and the {$500.00} Early Termination Fee is really a fraud, it 's like they rob money from me violently. I want the collection department to give me a fair explanation and apologize to me.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Inaccurate Names NAMES REPORTED XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Remove this Information EMPLOYMENT INFO XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2016-02-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX EXPERIAN KEEPS PLACING A FRAUD ALERT ON MY CREIT REPORT I HAVE ASKE THEM TO REMOVE IT OVER 10 TIMES AND I HAVE BEEN IGNORED AGAIN!!!!!!
Consumer complaint received 2016-02-08
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (CA)

I applied for Experian social security and credit protection. I submitted {$5.00} via debit card to Experian to allow XXXX XXXX XXXX XXXX XXXX XXXX ex XXXX ) to verify my credit score Experian told me that my account would be open foe 90 days until XXXX XXXX, 2016. XXXX XXXX of XXXX XXXX XXXX could not access the account to verify my credit score. Experian then told me to have XXXX call a number XXXX credit file services that never replied to XXXX. I then had a conference call with XXXX and Experian and the Experian person told both XXXX XXXX XXXX and myself that within next XXXX hours XXXX XXXX XXXX could submit request for verifying my credit score. Once again Experian rejected the credit verification. The remaining option is to pay Experian {$15.00} to fully release my account from being held hostage. IF THIS IS HAPPENING TO ME it could be very well happening to millions forcing the {$15.00} payment for release of account. If this is not a systems and procedural failure by Experian then it may be potentially something more serious worthy of investigation.
Consumer complaint received 2016-02-08
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA)

XXXX hired Financial Asset Management Systems ( " FAMS '' ) to collect on a private student loan. FAMS flagrantly lied under CFPB complaint number XXXX. In their response they stated that they received a verbal cease and desist in XXXX 2015, and that they called me once on XXXX XXXX, 2015. FAMS conveniently did n't mention CFPB complaint number XXXX, in their response, which was submitted by me on XXXX XXXX, 2015, and FAMS responded to the complaint on XXXX XXXX, 2015. Under CFPB complaint number XXXX, I stated in writing that I wanted absolutely no communication from FAMS. However, FAMS called me on XXXX XXXX, 2015, even after receiving a written cease and desist from me on XXXX XXXX, 2015 under complaint number XXXX. I have their phone call as a records log on my phone. In addition, under CFPB complaint number XXXX, FAMS alleges that they called me on XXXX XXXX, 2015, because of settlement negotiations. However, when I called FAMS on XXXX XXXX, 2015, I specifically told them that I wanted absolutely no phone calls from them regarding the settlement negotiations. I recorded the phone conversation during the phone call. I have the phone call recorded in my phone logs. Under the FDCPA, a debt collector is not allowed to contact a person after receiving a written cease and desist letter, which was sent under CFPB complaint number XXXX. The exception is a debt collector stating that they are ending communications which was done in FAMS ' response on XXXX XXXX, 2015, under complaint number XXXX. As a result FAMS flagrantly violated the FDCPA by calling me on XXXX XXXX, 2015, which caused me severe emotional distress and health issues. There is no exception in the FDCPA to call someone regarding settlement negotiations after receiving a written cease and desist letter. FAMS has flagrantly lied in their responses regarding their violations of the FDCPA and their refusal to adhere to written cease and desist letters.
Consumer complaint received 2016-02-08
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: URS Holding, LLC (SC)

I was a student at XXXX XXXX XXXX from XXXX of XXXX to XXXX XXXX. A school official applied for a XXXX XXXX XXXX ( Private ) in my name providing an e signed loan application for {$21000.00}. The loan was obtained for the school period of XXXX XXXX to XXXX XXXX, a period for which I was not enrolled ( documentation provide by the school registrar ). I had no knowledge of the loan until learning that I had been turned over to a collection agency about a year ago. When I requested debt validation, the debt collection agency ( Enterprise Recovery Systems ) was only able to provide a copy of the loan application with no transcripts or master promissory note. All attempts to resolve have proven unsuccessful. With fraud report ( police ) and verification none of the partied involved will accept responsibility or liability for the actions of whomever applied for this loan. I have spoken to XXXX the loan servicer, Enterprise Recovery Systems ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC . Enterprise Recovery Systems reported to me after submitting the requested documents ( certified ) via phone conversation that my case was " special '' and had been referred back to XXXX. The representative from Enterprise Recovery Systems further advised me that XXXX was not bound by any regulations to respond in a timely manner " they could take as long as they want '' but they " Enterprise Recovery System '' would continue to report to bureaus. All have parties have been provided with documentation as well as XXXX, XXXX, and XXXX. Despite the preponderance of evidence of fraud, they continue to report, refuse to update/remove, and will not offer resolution to matter.
Consumer complaint received 2016-02-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: COMMUNITY CHOICE FINANCIAL, INC. (TX)

I was contacted on the telephone by an agent from XXXX XXXX XXXX in XXXX. They said they were trying to collect on a debt that was overdue for over a year. I never received any information and was told that it was because they must not have a current address to explain why I had n't received mail and that they had tracked down my phone number. I asked for details and they claim it was from a cashed check at CASH CENTRAL. The bank account she referenced has been closed for over a decade and the address referenced was also over a decade old. I asked for written details and gave them my current address. She explained that I would need to file a fraud report in order to not be liable. In the process of trying to collect additional information required to file a report with the police, I pulled my credit report from all three agencies only to discover that this debt in collection does n't appear on any reports. I went online to research the company and discovered that there were quite a few complaints against the company for similar incidents. I believe they are trying to collect on a fictitious debt.
Consumer complaint received 2016-02-07
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am filing this on behalf of my mother, who is incapable of using the computer. My mother is the victim of identity theft. My mother has been sick and hospitalized over the past year and had been cared for by an aide with whom she became " close '' with. She trusted the aide implicitly and gave her full access to her apartment. My mother is frail, has much trouble in XXXX, and is XXXX. Besides her physical problems she has been hospitalized several times when her XXXX XXXX spiked due to anxiety It was a shock when my mother was informed by the Bank of America in XXXX, 2015 that her account was overdrawn and there was a list of suspicious checks that did not seem to be hers. When I came down to help, I identified even more checks that were appeared to be forged. All of these checks were made out to the aide 's name or to " Cash ''. 
While I had numerous conversations with bank employees and filed reports of these checks since XXXX, the bottom line is that the bank denied our claim. Their explanation was " timeliness and same wrong doer ''. According to the bank, the claim had to be first made within 60 days of the first suspicious check, which was in XXXX, 2015, as that would have prevented any of the other forged checks to follow. 
The problem for us is that my mother had no reason to suspect foul play and had not looked at her statements. She was in a vulnerable state and just worried about her health, so she was not focused on her bank statements. She was trusting that everything in the part of her life was fine. No one in the family suspected the aide and this was a shock to all of us. This is not uncommon for victims of exploitation, and it is why we depend on banking institutions to compare signatures.
Consumer complaint received 2016-02-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (VA)

XXXX erroneously submitted my account to a collections company ( Southwest Credit Systems ) about an amount that I did not owe ( i.e., unreturned equipment and early termination fee for home security ). I returned the equipment and did n't terminate my home security contract as I transferred service due to moving. This is all well documented. Southwest Credit Systems called me several times, including at work and I asked them to stop. In addition, I told them that I was disputing the charges. They indicated that they were looking into it. Well, they are still persisting in trying to collect for an amount that I do not owe via letter after I told them that this was in error.
Consumer complaint received 2016-02-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Reliant Capital Solutions, LLC (IN)

Reliant capital LLC, XXXX, Ohio contacted me about a loan more than a month ago. I sent them a certified letter requesting information about the loan. All they did was send me an invoice/bill from company x, without answering the questions I asked to resolve the issue. 
Now Reliant has reported me to credit bureaus for collections which do not belong to me. I have repeatedly asked them to provide a copy of the award/aid loan letter and promissory note that I signed when I took the so called loan from them/somebody else that they are claiming to be mine.
Consumer complaint received 2016-02-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I submitted a claim on XXXX XXXX, 2015 about Santander Bank. I just returned to the U.S. from XXXX and received the letter they sent in response. In the letter it says they identified that I requested an " All Debit Opt-Out '' in XXXX 2015. However, the letter states that the request was not submitted for processing until XX/XX/XXXX. First of all, I requested a complete opt-out of any form of over drafting when I first opened the bank account, a few years before. After getting hit with a {$35.00} fee I went in to complain and was told it had been fixed. This happened a few more times, before the clerks I spoke with at Santander finally managed to set the Standard Overdraft Opt-Out. Secondly, the letter acknowledges that I requested the All Debit Opt-Out in XX/XX/XXXX, yet for some reason they did n't process that request until XX/XX/XXXX, but still held me responsible for the overdrafts that occurred during that period. Moreover, the letter states that an item may not decline if there were sufficient funds at the time the payment was requested, even if there no longer is by the time the payment is processed. This does not apply, as there were charges initiated on XXXX XXXX, XXXX, and XXXX XXXX that either pushed me into a negative balance or cleared after I was already over drafted by XXXX dollars or so. I was informed by a Santander representative that I should learn to manage my money better. On XXXX XXXX, 2015, over two months after Santander acknowledges that I requested an All Debit Opt-Out ( which, as aforementioned, I requested multiple times prior to that ), and two weeks after Santander acknowledges that they finally got around to submitting it for processing ( only after I sent multiple emails inquiring about what was happening ), I was told by a Santander representative via email that, " Your recollection of clearly stating no overdrafts may be becoming more clear in retrospect. '' I have included the claim I submitted before, as Santander 's response restated their policies without addressing my specific complaints. The closest they came was when they said : " In reviewing this matter we identified that you requested an All Debit Opt-Out for the account with our Oak Bluffs Branch in XXXX 2015. However, the request was not submitted for processing and only the Standard Overdraft Opt-Out election was on the account at the time the transactions were initiated. '' In addition to what I included in my previous claim, I would also like to know why the bank holds me responsible for something it took 2+ months to submit for processing. 


Case number : XXXX
Consumer complaint received 2016-02-07
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NC)

I paid my Amazon credit card two weeks ago. I told Synchrony that I paid, and told them to stop calling me. I have a statement from Amazon that they received it. Synchrony has continued to call me. They called me twice Friday, twice yesterday, and XXXX this morning waking everyone up. I can not get them to stop calling although I have made several requests and settled my debt.
Consumer complaint received 2016-02-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (PA)

TD Bank has charged an overdraft fee for a situation in which we make a check deposit minus " cash ''. If there is not a balance in your existing checking account ( pre-deposit ) to cover the " cash '' portion that you are taking from your deposit, they charge an overdraft fee. 
I understand that technically you are taking money off of a check that has not yet cleared so essentially you are taking withdrawal from you checking account but that is NOT explained to you at the time you are standing with the teller making the transaction. You do n't find out until you see the overdraft fee and call the bank to understand where its coming from. 
The complaint is regarding a deceptive practice. Its fine if the policy is as it is but it should be the teller 's responsibility to tell the customer that they do n't have the money in their checking account to cover the withdrawal so they can either choose to take it against an alternative account that has the funds or they can take a lesser amount so they do not incur the fee, otherwise they will incur the fee. 
TD Bank does not do that at the point of the transaction which is just a way for them to collect a fee.
Consumer complaint received 2016-02-07
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Express Recovery Services, Inc. (UT)

Collection agency Express Recovery Services called my phone on XXXX/XXXX/XXXX. Knowing my rights within 30 days I sent them a certified letter asking for debt verification. I never received a letter within 5 days of original contact as required by law. Nor did I ever receive debt verification. 

On XXXX/XXXX/XXXX I receive a letter from a law office stating they represent Express Recovery services. Again I responded with a certified letter asking for verification of debt. I never received any verification of debt. 

As of XXXX/XXXX/XXXX they attempted to serve me papers for court. Again they have violated Fair debt collection by not verifing the debt at all. They have failed to prove I owe any debt. They have failed to prove they are legally authorized to collect the debt
Consumer complaint received 2016-02-08
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (MD)

I have a car 72 month fixed rate Loan with BB AND T bank. 
I never had late payment I always make payment on time but the interest keeps going up. 
I want to know why it 's keeps going up. I usually pay total {$470.00} per month with interest of {$61.00} BUT it keeps going up and I 'm currently paying interest charge of {$75.00}. 
I want to deduct principal so I pay extra per month but the bank always charge more interest every month. 
I need help.
Consumer complaint received 2016-02-07
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: LoanCare, LLC (NY)

This complaint is in addition to my previous complaint, case # XXXX. We received a Notice of Final Judgment from LoanCare, informing us our property would be auctioned on XXXX XXXX, XXXX. LoanCare answered the prior complaint by stating they are no longer the holder of the promissory note or the servicer. They stated the note has been transferred and sold to XXXX XXXX. Furthermore, we were not served a Notice of Entry dtd XXXX/XXXX/XXXX as read in the court documents by XXXX law firm or by the referee, XXXX XXXX, thereby denying us our right of Due Process to Appeal or Answer to LoanCare 's allegations. We first recvd this Notice of Entry & Final Judgment on XXXX XXXX, XXXX via XXXX class mail. In my previous complaint, which you have on record, LoanCare answered by stating they are not the Servicer as of XXXX XXXX, XXXX. XXXX XXXX, who holds the Note and is the Assignment of Record is currently offering us loss mitigation resolutions, hence LoanCare is in violation of " dual-tracking ''. They are attempting to seize the property through illegal and unscrupulous acts. We find that LoanCare is in violation of 15 U.S. C1641 ( f ) ( 2 ) whereby servicers are under Federal obligation to disclose " true owner '' of the obligation. If LoanCare XXXX has sold the loan to XXXX XXXX, they why are they proceeding to foreclose on the property? LoanCare has not presented to us the original Note Affidavit of sell from XXXX XXXX to LoanCare, non-issuance of Commitment to Insure, non-issuance of Deed & Title Policy, non-issuance of Certificate of Release from orig. Title insurance, as we 've asked on numerous occasions.