davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Manhattan Beach Venture, LLC (CO)

I had been on-line looking for a way to get student loan relief. Found a website and phone number for Student Loan Relief Department. I called the phone number because I thought it was a good idea, and I would get my student loans forgiven. 
I talked to a young gentleman, who seemed very friendly and knowledgeable about the 'process, ' gave out a bunch of personal information, including my XXXX ID. I was told I was approved and was sent to a third-party group to get set up on payments. After finishing the phone call ; I went on-line to do a little more research, and what I found scared me. I then called my banking institution, cancelled my debit card. Then called all XXXX of the main credit reporting agencies and placed fraud alerts on my accounts. After, that I called my local police department, and submitted an incident report with them. 
I also submitted a 'notice of cancellation, ' to Manhattan Beach Venture LLC and Student Loan Relief Department , and am waiting to hear from them.
Consumer complaint received 2017-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Revenue Assurance Professionals LLC (TX)

I believe my ex wife is not reporting my address/phone number to the pediatric doctor 's office our children go to. About two years ago, I discovered 3 charge off for medical bills from XXXX in XXXX, XXXX. The collection agency 's name is Consolidated Recovery Systems which also is in XXXX. After reviewing my report, I contacted XXXX and advised them I did not receive a phone call nor any bills from them. The call taker advised my ex-wife had told them she did not have any contact information on me in which she does. I also did not receive any phone call or written notification from consolidated recovery regarding the charge offs. Now I have the same problem again where I just pulled my credit report and found a {$91.00} charge off from XXXX from XX/XX/XXXX and it was updated on my credit report by consolidated recovery on XX/XX/XXXX. My ex-wife has my address and phone number and when I last spoke to XXXX, my number was the same as it is today. I relocated to XXXX, XXXX in XX/XX/XXXX and I have not received a phone call nor a letter from XXXX or consolidated recovery regarding this adverse account. Please help because I do n't understand how I 'm constantly receiving charge offs without notification and it 's damaging my credit. Had I not pulled my credit, I would n't have known about the charge off. It seems to me, there are no thorough attempts to contact consumers from consolidated recovery before they report charge offs. With technology today, It is not hard to locate anyone so I do n't understand why I 'm not being contacted. Whether my ex-wife is intentionally not reporting my address ( responsible party ) or the pediatric office fails to make attempts, I would expect consolidated recovery systems to do their due diligence before placing a charge offs on my report.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

XX/XX/2024 A credit card was taken out in my name. I didnt apply for any credit card. And the credit card took my score down. And its not mine Im a XXXX XXXX at a XXXX XXXX. And I play XXXX  off a XXXX so my schedule is busy. Im telling you guys XXXX XXXX XXXX is not my card. I havent even applied for any credit yet.
Consumer complaint received 2017-03-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (TN)

Franklin American Mortgage Company ( " FAMC '' ) wrote a letter dated XX/XX/2017 that they had assumed my mortgage from XXXX on XX/XX/2017 & notified me that payments should be sent to FAMC, XXXX XXXX, XXXX XXXX, XXXX, TN XXXX. In a letter dated XX/XX/2017, I was notified that payments should be sent to a new address at XXXX. XXXX XXXX, XXXX, NJ XXXX. I later identified the second address belonged to a company dba XXXX. FAMC did not notify me of this company 's name or that they would be servicing the loan. On XX/XX/2017, I contacted XXXX about receiving what appeared to be a phishing attempt from XXXX XXXX XXXX ( " XXXX '' ), XXXX. XXXX XXXX, XXXX, SC XXXX, with a postmark of XX/XX/2017. XXXX claimed I needed to enter personally identifable information ( PII ) into XXXX 's website : " XXXX. '' XXXX also claimed " in the event we do not receive this evidence of Master Insurance coverage, we plan to purchase coverage to protect our interests ... You will be required to pay us for any period during which the insurance we purchase is in force, but you do not have insurance. '' Please be aware that I quoted the prior passage from XXXX 's grammatically plagued XX/XX/XXXX letter. On XX/XX/XXXX I contacted XXXX about the apparent phishing attempt. XXXX claimed that XXXX was legitimate and that XXXX was making a legitimate request. FAMC did not notify me of this second company 's name or that the second company had the authority to charge me for insurance for information they had never requested between XX/XX/XXXX, to XX/XX/XXXX. On XX/XX/XXXX I contacted South Carolina 's Secretary of State to identify whether this company existed as a registered business entity in XXXX. XXXX is not a registered business entity. On XX/XX/2017, I sent a QWR via certified mail with return receipt to FAMC Compliance Department - Complaints requesting more information on XXXX and to acknowledge the Master Insurance Policy for my building. On XX/XX/2017, I received a delivery attempt from XXXX. I visited a XXXX location & received my package. FAMC drafted a response on XX/XX/2017 ( that was not received until XX/XX/2017 ) acknowledging receipt of my correspondence. FAMC did not acknowledge that my correspondence was a QWR nor did they acknowledge receipt of the Master Insurance Policy for my building. Finally, FAMC gave themselves at least thirty ( 30 ) days to respond to my QWR. I need FAMC to acknowledge receipt of the enclosures included in my XX/XX/2017 QWR & to ensure that XXXX does not attempt to send invoices to me for information that was not requested until XX/XX/2017. Please let me know if you need additional information. Thank you, XXXX
Consumer complaint received 2016-02-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had closed an account with Bank of America well over a year ago. Yes, this is after I was late on a payment but I need then to take the late payment off my credit report I paid them back. However its shows that I was closed and shows its still unpaid in bad standing!
Consumer complaint received 2016-07-13
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America would not grant me credit to open a credit card account - so they suggested I open a " secured credit card '' by opening a certificate of deposit ( CD ) as a guarantee in the event I default payment on the account. 
I was additionally told I would be building credit and in essence be considered to open a credit card in the future, without needing to continue to have a deposit as a guarantee for the account. This was a lie. 
When I was denied a " regular '' credit card, I selected to close my " secured credit card '' and requested the certificate of deposit dollars be returned to me. 
The money has not been returned after two weeks of waiting. 
I have been told - after multiple hours on the telephone - numerous visits to the branch - that the money " should '' be returned to me. 
How long am I expected to wait for my money? Am I being scammed? Am I going to be " charged '' penalties? 
Bank of America has zero organization. Their organization rips people off. I am tired of being given then run around by this brute of an organization. 
I want someone from Bank of America who can tell me what the heck is going on and assure me my money is being returned!
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (NC)

To Whom It May Concern : Ive reviewed my credit report and noticed the following inaccurate item : Synchrony Lowes account ending in XXXX This account is listed as 30 days late for the month of XXXX, bu

t I have never been late on this account. I request that you VERIFY this information and provide me with copies of any documentation associated with the investigation. In the absence of any such verification, I formally request that this information be immediately removed from the credit file.
Consumer complaint received 2015-08-06
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The Bank of America has, on XXXX occasions in the last several months, refused to cash my payroll check that was written on an account at the Bank. The Bank is located at XXXX XXXX XXXX XXXX, XXXX XXXX, Fl. XXXX
Consumer complaint received 2016-04-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My checking account was changed to a fee based account without my knowledge, my savings and checking accounts were drained and are in negative balances. Bank of America says I owe them {$300.00}. 
I opened a checking and savings account with Bank of America at least 6 years ago. It had XXXX charges at the time to have an account. I have moved 5 times in the past 3 years and had not checked that account. I stopped using the account back in XXXX when I switched over to another bank, and when I recently checked my Bank of America accounts I noticed I was being charged maintenance fees ( this has been going back for at least a year, but I did not realize this previously ). Both my checking and savings accounts were in the negative and my savings account was closed. Bank of America changed my checking account to one with a monthly fee. The monthly fees caused me to overdraft and go into negative balances. It 's probably about {$500.00} in charges including the negative balance for accounts I have n't touched. When I called the company I was told they sent me something in the mail. There was no due diligence on their part. I never received a phone call as I was going into overdraft on this. 

My savings account was overdrafted so much it was closed, and I am no longer able to access the documentation for the savings account.
Consumer complaint received 2017-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

I obtained loans from XXXX XXXX ( now Navient ) starting XX/XX/XXXX - XX/XX/XXXX for XXXX and XXXX school. Upon graduating, I contacted XXXX XXXX to request an income-sensitive payment plan since I was not making enough to pay the large amount that they stated I owed. I was told that there was a plan to I could do to reduce my payments. The next month, I saw that there was no payment due. I contacted XXXX XXXX to inquire why and they said that I could decide to make payments or not to, but that it wasnt required. I made payments and eventually saw that there was a small amount due each month and then after a while the payment due was huge even though I had been making payments. Flash forward to today where I have been making payments monthly for 5 years or so and my balance is not going down ... at some point the balance actually went up. I have tried repeatedly to call XXXX XXXX to get a transaction sheet of all payments and credits that I have made on my loan and was told that information is not available. I have been trying to get someone to look at my account for years to help me understand why my balance does not go down. After calling last week, I was told that they cant see back that far. I was also told that my loan was put on forbearance and not an income sensitive plan during which time it was accruing interest. I have been making over-payments for the last year and the balance still doesnt go down. HELP!!! There is no way that I can be making payments on time for this long and owe more than when I started with the balance not moving. There is something not right about my account.
Consumer complaint received 2017-01-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I am the the personal representative/successor trustee for my mother-in-law, XXXX, who died on XX/XX/XXXX. She maintained checking account and safe deposit box at Bank of America Branch located at XXXX, FL XXXX. 
On XX/XX/XXXX I went to that branch and spoke first with a XXXX and then with the purported branch manager, XXXX. I presented them with copies of pertinent parts of a will, pertinent parts of a trust document, and death certificate and asked to be permitted to search the safe deposit box pursuant to Florida State Statute 655.935. I was denied my right to search the safe deposit box pursuant to valid Florida law. This has caused me time and expense since I do not live in that state and now will have to spend time and money to travel back to Florida as well as retain and pay for an attorney to obtain a court order to force the bank officials to comply with the laws in Florida.
Consumer complaint received 2017-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MI)

Navient fails to accept my payments, then charges me interest for the payments. My loan when I ended school in 2015 was at XXXX and now its up close to XXXX, because they 'll accept my payments and then deny them once they hit the bank.
Consumer complaint received 2016-01-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

three years ago bank of america put my name in the XXXX and other databases so i cant do any type of financial transactions on earth anymore. i had a direct deposit from an employer on a friday and typically the money would be available the following monday. on saturday morning i wanted to go to a book sale and pay cash so i wrote a check to my checking account and took out cash knowing that i would be able to cover the check with my direct deposit by the time bank of america " presented '' the check on monday. at bank of america, an transaction made after XXXX on a friday is a MONDAY business day transaction, so obviously my transaction on saturday morning was a MONDAY BUSINESS DAY TRANSACTION. the atm receipt had the date of the transaction ( which was about XXXX on saturday XXXX and also the " business date '' of the transaction which was listed as the following MONDAY. i had done this type of transaction many times before without problems. on monday when i went to the atm to deposit cash to cover the check i had written on saturday morning it said my account had been closed. i called bank of america the they told me they had put my name in the XXXX database as having done " bank fraud '' and that i would never be able to do any type of financial transaction on earth for the rest of my life. i then went over to the local branch in XXXX california and talked to the branch manager XXXX XXXX. he took {$860.00} cash from me ( this was monday afternoon ) so if they hadnt closed the account the check would have been fully funded. he called bank of america and they confirmed to him that they had put my name on XXXX and that i was now blackballed from doing financial transactions on earth. the corporate offices told him nothing could be done about it because " the department that put my name in the XXXX database doesnt talk to anyone, either bank of america employees or customers ''. this was very unfair to me as, under their own rules, bank of america should not have submitted that check until monday, and since the bank manager took {$860.00} from me, the check would not have bounced. obviously since bank of america did not lose money they were not the victim of " bank fraud ''. i went to several other banks like XXXX, XXXX and XXXX and credit unions and i was indeed blackballed from doing financial transactions in america, none of them would open an account for me. this has had a drastic effect on my life since my business in online and i need a bank account to receive payments from customers.
Consumer complaint received 2016-03-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: JPMORGAN CHASE & CO. (TX)

I have a private student loan with Chase which has since been managed by XXXX but is still reported through Chase. I have never been late and in fact I have constantly paid more than the minimum payment so that my next payment is n't even due until another 2 or 3 years. I tried to release my cosigner and submitted all the necessary documentation. My request was denied and my concern is that they will not tell me why. All I was told is that I can try again in the future. I do n't know if my request was denied due to credit score, income level, length of loan history, or any other factor. I do n't think this is right because I do not know what steps I should correct to get my cosigner released. For example, if it 's credit score I can improve it and try again. But if it 's income level then that would be harder to correct in the short term and it would be a waste of my time now to keep trying and dinging my credit score. 

Is there any recourse? I 'm not asking for proprietary information, I 'm just wanting to know the reason why. I called multiple times and I was told they ca n't give me their credit thresholds because it 's proprietary. I do n't care about the exact number, all I need to know is that my score is below their minimum or my Debt to Income was above their maximum, something along those lines. Do student loan providers not have to give a reason at all for denying the release of a cosigner?
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of human trafficking of XXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2020-06-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tower Loan of Mississippi, Inc. (MS)

I had a loan about 15-20 years ago, at the time my husband was deemed XXXX due to XXXX and XXXX XXXX. I communicated with them and told them I am no longer working and I was about to lose everything, these people have contacted me in the last few days about this debt, I kept getting emails that someone was pulling my credit ... well turns out it was them ... they were pulling my credit every 30 days to get information.I didn't give them permission to pull my credit. If that is the case, how easy it for anyone to steal my information and pull my credit and put things in my name. I am still battling with my husband and I have no income, we are staying with family to make ends meet and I have to deal with this ... even if I wanted to start over I can, they pull my credit every 30 days! MY SCORE IS in the LOW 400s now! WHO is going to give me anything!!!
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Upon reviewing my consumers report i noticed a few accounts that didn't belong to me. 
I've never heard of these companies nor have i ever given them my information. 
Here are the accounts below : 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  Opened : N/A
Consumer complaint received 2017-04-10
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I XXXX makes a claim with the Consumer Financial Protection Bureau ( CFPB ) that the following attached attempt to collect a debt is highly fraudulent. My personal information is being floated in what is known in the debt collection business as a " Debt Pool '', whereas collection information is outdated and not even enforceable. The attached collection from XXXX does not state that the debt is no longer enforceable, a stipulation by the Federal Trade Commission. The method of an illegal posting of a collection on my personal credit report, or an illegal collection against my rights of the Fair Debt Collection Practices Act can not be tolerated. In Federal Trade Commission v. XXXX ( 2009 ) the federal district court decided in favor of the Federal Trade Commission that a collection agency must operate within strict guidelines in the collection of a debt. The criteria are as follows : 1 ) The debt must still be enforceable within the state of procurement or where the original obligator resides, or a combination of both. 
2 ) The debt collector must be licensed and bonded if applicable within the state in which it is trying to collect, if the debt is collectable. 
3 ) The validation of debt ownership must be proved, without exception. 
There is no statement on the attached collection that the debt is no longer enforceable. The collection agency stipulates that Bank of America obtained a judgment against me. By legal mandate, the docket number of the judgment must be listed as well as what county clerk 's office the judgment is filed with. In this case, there is no judgment. The statement saying " This judgment may be forwarded to an attorney for execution '' is a complete falsehood. There can not be a lawsuit as the legal time limit to enforce a summary judgment action has passed. 
Even though the collection letter states that illegal, abusive, deceptive and unfair debt collections are illegal, this collection in its entirety is just that, a deceptive illegal attempt to collect a debt that is no longer enforceable. 
I demand that all my information be purged immediately by XXXX and Bank of America, and that the Consumer Financial Protection Bureau ( CFPB ) take the necessary steps to sanction both companies for using such abusive collection tactics.