davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-19
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (MN)

I got some calls from Synchrony regarding my XXXX furniture account. It turns out my scheduled payments had run their course and I was 2 weeks XX/XX/XXXX. I told the man on the phone that I wanted to pay XXXX and he pressured me to pay XXXX as well. I asked if I had incurred a late fee and he stated " You were late on your payment so obviously there was a late fee. '' I said that I would pay XXXX and XXXX right then if he could waive the late fee. He then stated that IF I paid even more money THEN he would see if he could waive the late fee. I repeated back to him to make sure that I understood. I asked him " So, if I pay more than I owe for XXXX AND XXXX then you might be able to waive the late fee? '' He stated yes, that if I paid a total of {$100.00}, only {$11.00} more than my XXXX and XXXX combined payments, then he could waive the approx. {$37.00} late fee. I repeated back to make sure that I was really understanding him ... .that if I paid MORE than the two payments then he would waive the fee?? He stated that yes, it was better for my account ( ma'am ). I truly did repeat again and he stated yes, that it was better for my account and that I COULD pay just the {$89.00} but if I paid {$100.00} then he would waive the approx. {$37.00} late fee. Ultimately I said I would log in and pay the {$100.00} when I got home ( I was driving ) and he then made me promise that I would pay the {$100.00} and then, once my payment was received, the late fee of {$37.00} would be removed from my account. I have actually NEVER had this kind of negotiation over a late payment / fee and especially where I was being told that I had to pay not only my XXXX missed payment ( it is XXXX XXXX today ) but ALSO my UPCOMING payment AND some extra in order to waive a fee because " it was better for my account ''. ( I only owe just over {$600.00} on the card ). 

Is this legal? it seems like it should not be. 
Thank you. XXXX
Consumer complaint received 2017-03-10
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (TX)

Synchrony Bank issuse me XXXX credit card ' after revived those card ' paying my account on time checking my credit report synchrony Bank running my credit report none stop over XXXX time, I was upset about it I call synchrony bank ask why were they running my credit and the actives had brought my credit score down ' I was n't request credit. I was told from synchrony bank upping my credit, you do not running my credit because I had not request credit extention ' I'requeted synchrony bank contact each credit beuars have it remove, and credit my Amazon account {$780.00} synchrony Bank never have, doing the dispute of charges synchrony bank close my stein mart card I went to pay on my account at stein mart store I was told my account was close, I had never miss a payment ; I call synchrony bank ask why was my stein Mart account close I 'm here at store trying make a payment 'oh we thought it was you stein mart card I replied not true the complaint was made on amazon card ' you have that card no # XXXX I wrote letter dispute charges, complainted with the close card on bank saying it was investigate, synchrony bank let this went on for months I could not make payment, synchrony have cause my account to be 10 months behind could n't make payment have increase dollars amount of intrest fees on my credit report showing 130 -160 days late, synchrony have not credit this information. not fair of this company running my credit after I was given card ' same with TJX credit gave me limit 0f {$300.00} ran my credit put credit at {$100.00} on my credit report came back put XXXX back on credit I never use but {$100.00}. in debt XXXX that unfair pratice it got to stop as hard as I worked on my credit. 
Synchrony Bank approve me for XXXX credit Card stein mart, amazon T J X in XXXX of last year I made a reported to Synchrony bank that there was over {$890.00} charger on my card I 'm dispute it on amazon card ', synchrony bank call me all day every day. want correct my accounts asking me pay {$200.00} and {$300.00} a month with lost month the bank close account continues charge interest as high as {$25.00} a day when payment could have been paid because of there investigation for long months did not allow payment to be paid'closing both account.
Consumer complaint received 2016-03-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: First Data Corporation (IN)

XXXX personal checks were stolen from me the end of XXXX 2015. XXXX check was cashed for {$30.00}. The other check was not used. I contacted my credit union immediately and placed a stop payment on the check for {$30.00}. The credit union reimbursed me the {$30.00}. I filed a police report and the thief has been apprehended and charges filed. I received a telephone call from TRS Recovery Services asking for payment on the {$30.00} check ... ..I told them it was a forged stolen check. Then in a few days I received a debt collection notice from TRS Recovery Services for the {$30.00}. I did not respond as I had spoken on the phone to them already. I tried to use a check at a local store after this incident and was refused. I contacted Telecheck XXXX XXXX XXXX an affiliate of TRS Recovery Services , Inc., filled out their form and attached the required police report, bank information and faxed it to them. They sent back a letter from their resolutions departmeent stating I sent accurate information. According to Telecheck my account is cleared. I just received a second debt collection notice for the {$30.00} from TRS Recovery Services , Inc . I have attempted to reach them by telephone and get a recorded set of instructions, and when I press XXXX to talk to a representative no one answers and it disconnects. I tried calling the resolutions department at Telecheck XXXX XXXX XXXX with same result. They are affiliates who are taking advantage and collecting money they are not entitled to. I wo n't be sending them anything. I also am concerned about my personal information I submitted on their form ... .soc. sec. #, bank routing and account #, DOB, name, address, telephone #. I 've had to close that bank account and open a different account. I see there are many other complaints about TRS Recovery Services , Inc. and Telecheck XXXX XXXX XXXX from others. They are financial predators. How can I protect my identity now that they have personal information? How can I stop the harrassment of debt collection attempts? Thank you for your kind assistance.
Consumer complaint received 2016-02-19
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Innovis (VA)

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX CBCINNOVIS credit on my XXXX Credit report This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus XXXX, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : CBCINNOVIS XXXX XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 

Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, Signature XXXX XXXX
Consumer complaint received 2015-03-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Data Corporation (SC)

I have recieved XXXX letter from TRS Recovery Services, linked to Telecheck, stating that I am being contacted due to unpaid debt for my bank account at XXXX Several things wrong ... I do n't have any debt with my bank, I have never received anything from the actual bank telling me that I have a bank overdraft amount of XXXX, and when i call the number listed it says the number is no longer in service. The letter is dated XXXX/XXXX/15 and it says to pay in full promptly, that I have 30 days to dispute. Not only can I not contact them via the number listed but I also have read that this company is being sued by the government for this issue.
Consumer complaint received 2020-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TN)

I previously submitted a complaint with the CFPB ( No. XXXX ) regarding myfedloan.org failing to give me all of my qualifying payments toward the public service loan forgiveness program. After submitting the complaint, myfedloan corrected the majority of my payments. While I should be eligible for forgiveness in XXXX of XXXX, they said XXXX. I stopped fighting at the time because I was so tired of dealing with them. Now they have changed the eligible payoff date to XX/XX/XXXX, which is absolutely wrong. I have not missed a single payment since they previously said XXXX of XXXX, so it's impossible that it would have gotten later. I have asked them to fix this and to also credit me with the payments they had already failed to credit to show an eligibility date of XX/XX/XXXX. However, they responded that they looked at it and made a determination, but that still shows XXXX of XXXX, which is eight months after I will have made the 120 qualifying payments. 

I am attaching printouts of the payments I have made on this loan since XXXX of XXXX ( in two attachments- one from before myfedloan took over serviving, and one PDF since they took over servicing my loans ), proving that XXXX of XXXX is when I am eligible for forgiveness for making the XXXX payments while working for the State of Tennessee ( I have had the same job the entire time ). I am also attaching two PDF 's  showing the myfedloan.org loan details reflecting incorrect forgiveness eligibility dates of XX/XX/XXXX. 

I have always been enrolled in automatic withdrawal payments, have never missed a payment, and I have re-certified my income every single year in the income based repayment plan. I have met every obligation and myfedloan is trying to rob me of qualifying payments. Thank you so very much for your help, I appreciate it so very much!
Consumer complaint received 2016-09-05
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Amcap Investments, LLC (VA)

While I was XXXX overseas ( in XXXX ), my lease expired and I had to procure new housing. My mortgage broker told me that I I was approved for a VA loan at 3.375 percent. He asked me to engage my word to go with his company if would get me this rate. I gave my word ( in the military, our word is our bond ). However, he did not get me a VA loan. he instead got me a higher rate loan with PMI. Moreover, by the time his " bait and with '' was evident, it was too late for me to change mortgage brokers. I would lose my house and I would be homeless. I called the mortgage company about this and they did nothing about it.
Consumer complaint received 2017-03-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (FL)

I cancelled service with XXXX till I returned from a trip and requested it to be reinstated. XXXX was sold to XXXX within in the next few months and filed a claim to enhance their financial books. 
This happened several years ago and XXXX has sent XXXX different collection agencies after me aiming to harm my credit. XXXX is apparently as corrupt and lacks business morals as XXXX.
Consumer complaint received 2016-12-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (CA)

I am filing this complaint because I recently received a collection notice from a company called Enhanced Recovery Collections. 
It was a collection notice for an XXXX account. 

Even though I do n't agree that I owed XXXX anything, I started doing some investigation. However, because I was never notified that there was ever any money owed until I received this notice from ERC, I called ERC to ask for more information. I called on XXXX XXXX of 2016. The representative who I spoke with employed the stereotypical collector attitude. And after long deliberation, the representative told me that if I paid him this account in a settlement, that he would make sure that this would never be placed on my credit report. Although I was skeptical, the deal sounded too good to pass up so I went ahead and paid him. 

Fast forward almost 30 days later and I have a big problem. After reviewing my XXXX account, the ERC collection for XXXX that I was told would never appear on my credit report ended up appearing on my credit report! It shows as a paid collection. 

I understand that this may not be a problem to some people but it is a big problem to me. For XXXX, I was lied to and given a false promise in order to get me to pay an account I did n't even agree I owed. That is not only morally wrong but it is also illegal. Secondly, because I was lured with a false promise in order to pay this account, my right to dispute and have this debt validated went out the window. Now I am very furious. 

Under the Fair Debt Collections Practices Act XXXX XXXX. False or misleading representations, " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. '' The collector at ERC did just that. He told me this would never hit my credit report if I paid them and I did under the premise that this would never appear on it. If I knew that what he said was a lie, I would have simply disputed the account since I still do n't think I owed it. 

I have spent many years making sure my credit report is in good standing to let a lying collector simply ruin it. If ERC does not delete this account from my credit report then I will sue them. Please look into this for me because who knows what other things ERC is doing with people in their collection attempts. If they lied to me to get me to pay this, who knows who else they lied to.
Consumer complaint received 2016-08-25
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: KEYCORP (NY)

Because of some rare car trouble, I was unable to get to a Key Bank branch by the due date of my installment payment. I called on the due date and told a Key Bank representative of my predicament. I was told to call once the late charge appeared on my statement and ask for a refund. I did so. The Key Bank representative refunded the late charge. 

My next month statement showed the late charge and then the credit, but show a minimum payment that includes both the late charge and the payment amount. I called another Key Bank representative - a phone call designated internally at Key Bank as XXXX - who told me that Key Bank has, in fact, refunded the late charge but still requires the amount of the late charge to be paid with the regular payment, in a sense, prepaying some principal. When I inquired further about the refund, the representative claimed something to the effect that " This is how we do it at Key Bank. '' I am not at the location where my account agreement is located, but this appears to be a completely self-serving policy of the bank, especially for clients who may be struggling financially. If this policy is not part of the loan agreement, then I think that it is against public policy that a late fee assessment and waiver should induce involuntary principal repayment from the borrower. 

I would appreciate a response from the appropriate Key Bank representative regarding this troubling policy, and I will review my account agreement by the time the Key Bank representative contacts me.
Consumer complaint received 2017-01-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc. (AL)

I have received phone calls daily from all hours of the day on my cell phone, and then my house phone, and then my mothers cell phone. And then my father cell phone all over a debt that was handled in a court case from an apartment that I moved out of over three years ago.this company procollect has harassed us to the point where we have changed our phone numbers and they still continue to call us every day. And when we block their number they change numbers and continue to call.
Consumer complaint received 2016-08-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ProCollect, Inc. (DE)

I got a letter from Pro Collect indicating that they were attempting to collect a debt. I immediately mailed them asking them for : 1 ) name and address of the creditor 2 ) indication of whether this is time barred 3 ) suspension of collection efforts until they have responded. 

I got no response. 
I called on XXXX XXXX and was told I needed to email XXXX procollect. I did so. No response. 

I emailed again on XXXX XXXX and there was no response. 

I called again today ( XXXX ) and was told that I would need to email him once again. I was also told that they would not provide me with the address of the creditor. 

I saw today that the account is now being reported by credit agencies.
Consumer complaint received 2016-09-01
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TCF NATIONAL BANK (IL)

TCF Bank had a check come in that overdrew my account, I spoke to TCF and I deposited cash funds the same day so that the check would be paid. Instead of paying the check TCF returned it and charged an overdraft fee of {$37.00}
Consumer complaint received 2016-12-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Cooling & Winter LLC (GA)

I received letter last week from Cooling and Winter a law firm which states they do n't have any attorney personally evaluating my account however XXXX is stating I had a credit card with XXXX Bank in the amount of {$830.00} in which a bill was going to an address where I never lived in XXXX XXXX. They asked me a few questions and unfortunately I did give my social number however my wife noticed there were charges in XXXX on the credit card and they had a DOB which was not mine.
Consumer complaint received 2016-04-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CA)

Multiple issues : LoanCare, a XXXX company which services my home loan failed to provide proper notice and disclosures when they placed their own insurance coverage on my home loan. 

Second, and a more alarming issue is the insurance they placed on my home without proper disclosure has the same coverage I pay for on my own, and there was XXXX % + more per month than my insurance. The insurance company LoanCare chose, and the XXXX times higher than market rate home owners insurance premium resulted in an unnecessary burden on my family. 

If I am experiencing this, this means there are many others out there harmed.
Consumer complaint received 2017-02-06
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (LA)

I borrowed {$750.00}, and to date have paid back {$1800.00} and still owe {$3700.00}. Would this lender be considered a predatory lender? How is it legal to charge someone that kind of interest on a loan. If I continue to pay this loan out, I will end up paying {$5600.00} for a {$750.00} loan.
Consumer complaint received 2016-08-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (FL)

ERCIS REPORTING THAT I OWE A DEBT IN THE AMOUNT {$310.00} I REQUESTED VALIDATION OF THIS DEBT FOR AT LEAST 90 DAYS. THEY HAVE NOT VALIDATED THE DEBT TO SHOW HOW I OWE THIS BALANCE TO THEM
Consumer complaint received 2016-07-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (VA)

I had a total of XXXX student loans with XXXX XXXX XXXX that were transferred to FedLoan Servicing in XXXX XXXX. From then until XXXX XXXX, due to administrative issues and a period of unemployment, only partial payments were made and FedLoan Servicing correctly reported the delinquent status to the credit bureaus. The loans were consolidated in XXXX XXXX and the loans were retroactively placed in forbearance from XX/XX/XXXX-XX/XX/XXXX. Despite the loans having been placed in forbearance, indicating that no payment was due in that time period, FedLoan Servicing refuses to update their reporting to the credit bureaus. If no payment was due, then payments were not late and can not be reported to the credit bureaus as such. 

FCRA Section 623 ( a ) ( 2 ) requires information furnishers to report accurate information and to promptly update information that is no longer complete or accurate. Once forbearance was applied and my student loans were no longer in a late payment status, FedLoan Servicing was required per its statutory duty under FCRA Section 623 ( a ) ( 2 ) to update its no-longer accurate credit reporting. 

The FTC issued an advisory opinion ( Advisory Opinion to XXXX, dated XX/XX/XXXX ) regarding information furnishers ' responsibilities under FCRA 623 ( a ) ( 2 ). The advisory opinion states that Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct. '' FedLoan Servicing communication regarding retroactive forbearances states " If the forbearance was applied retroactively to cover a period of delinquency, any information previously reported to each nationwide consumer reporting agency will remain. '' However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point.