davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST COMMONWEALTH FINANCIAL CORPORATION (PA)

I had to move from XXXX to XXXX because of health reasons on XX/XX/23. I changed me address online. I received a message like in the past they had to verify it first. I racked up hundreds in fees because I never got their notifications. Thats wrong to take advantage of someone who cant drive because of health. Who did what they were supposed to do. {$8.00} a day is a rip off. I have worked in banking for 15 years. Every bank these days runs skeleton crews because theyre so cheap. I managed one. Every single person asks when employees go to them. How much money do they have with us. Its wrong. The things I could tell you guys.
Consumer complaint received 2023-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (NV)

Aidvantage is requesting repayment for a loan. Before I send any money to them I would like proof that such payment is owed. 

In accordance with Holder In Due Course Rule UCC 3-305 ( e ) ( ii ) ( HIDC ) the person obliged to pay the instrument has a defense, claim in recoupment or claim to the instrument that may be asserted against the person who granted the security interest, the person entitled to enforce the instrument may assert rights as a holder in due course only to an amount payable under the instrument which, at the time of enforcement of the instrument, does not exceed the amount of the unpaid obligation secured. 

I am asserting my rights as the holder in due course of any rights, interest, dividends, proceeds, and profits made from the promissory note, application or commercial instrument involving the consumer credit transaction with Aidvantage. 

I am demanding answers to the following : 1. Was the promissory note sold to a special-purpose vehicle or trust?

2. Has the note/commercial instrument been securitized?

3. If the note has been sold, how much profit was made from the sale?

4. Is the applicant entitled to the profits made from the sale of the note?

5. Is the promissory note considered collateral security?

6. Did Aidvantage provide full disclosure as to the consumer credit transaction with the applicant?

7. Is Aidvantage in possession of the original promissory note and can provide proof of such on request? 
8. Did Aidvantage loan me any money?

9. Is Advantage authorized to loan money to applicants?

10. Can Aidvantage show documentation that money was debited from their bank account and given to me?

11. What species of payment is Aidvantage requesting for repayment?
Consumer complaint received 2023-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : 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
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I cancelled my account on XX/XX/2023, which within the 45 day window stated on the credit card statement for getting a refund of the annual fee that was charged on the XX/XX/2023 statement. They told me I would receive a refund check. The check never arrived so I called. They told me that although the monthly statement clearly states that I have 45 days to close the account to get the {$59.00} fee reversed, their internal procedures are based on 40 days ( my call to them came on day 41 ). They didn't disagree with me but they said there is nothing they can do due to constraints on their internal processes except write to their corporate offices. 

I sent a letter to the corporate office address they gave me on XX/XX/2023. They apparently kicked it back to the same Customer Care group I was trying to work with. That group sent me a letter dated XX/XX/2023 stating that they are " unable to fulfill your request regarding annual membership fee waiver ''. 

I am not asking for a waiver. I am asking them to comply with the terms for cancelling a card within the 45 day window as stated on their monthly account statements. 

I no longer have the card- I cut it up when I closed the account. It is the card ending in XXXX. My identifying information is in the letter I wrote to them, attached. Their case number is on their response, also attached. It is XXXX.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SANTANDER HOLDINGS USA, INC. (CT)

I was victimized by an XXXX scammer for {$960.00} in XXXX Seller used the familiar " send a dummy blank envelope '' to the same zip code as the buyer, and provide XXXX XXXX confirmation which ONLY shows delivery in a certain zip code, no actual proof of delivery, no signature. Reported fraud to SANTANDER, filed chargeback as " merchandise not received ''. Received letter days later claiming " no evidence of unauthorized transaction, matter closed ''. Clearly agent filed it wrong. Called again, spoke with supervisor who assured me they would review the initial phone call and fix. Despite being assured by agent a call back would ONLY occur after XXXX, " XXXX XXXX leaves a voicemail at XXXX AM this morning, with the lie that " the agent filed it properly '', and the " merchant proved the merchandise was delivered '' ( more horse manure ). Having previously been through this same process with XXXX, I know the next step is filing a signed paper stating NO MERCHANDISE has been received, at which time the merchant does not respond, and the money is returned. SANTANDER seems to be an absolutely shady bank which does not have the backs of it's clients.
Consumer complaint received 2023-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ZIONS BANCORPORATION (TX)

I was advised by a Amegy Bank Customer Service Agent on XXXX 2023 that there was no time limit on Business Accounts to file a dispute, ** ( Business Account Ending in XXXX ) filed a dispute on XX/XX/2023 on 2 amounts from the same merchant one for {$4800.00} and one for {$3900.00} on XX/XX/2023 I emailed all documents concerning the transactions including a receipt showing that I paid the {$4800.00} transaction by other means which should not have been billed to my card, I was granted a temporary credit on the {$3900.00} amount and was informed that the {$4800.00} was denied by XXXX  due to the time limit of 120 days had expired to file a dispute, informed the bank that I filed the dispute past the time limit because the agent informed me on XX/XX/2023 that business accounts had no time limit to file disputes, bank 's the bank is saying that they can see the call I placed and the notes put hey are unable to access the actual recorded conversation with the agent any longer.
Consumer complaint received 2023-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (MS)

On XX/XX/2023 I deposited a check for {$1100.00}. I was told these funds would be available in five business days. Then, on XX/XX/XXXX, ( the fifth business day ) I was told that it would be available on XX/XX/XXXX by the end of the day and given no reason for the delay. Today, on XX/XX/XXXX, they changed their minds and decided it would be on XX/XX/XXXX, and I was again given no reason. 

I asked to speak with someone from several different departments and was told there was no one else I could speak to. 

I have given this bank no reason to hold my funds for an extended period of time, and the funds have already cleared the account that the deposited check was written from.
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have XXXX debit card with bank of America XXXX accounts under that card XXXX checking account and XXXX saving account so through their app on my phone I made {$800.00} transfer from my checking account to my savings account, I clearly selected my saving account for the XXXX to go to but after i made the transaction the XXXX did not appear on my savings account instead it went to an account i had no idea existed nor do i have access to that account, I was tricked into this. this happened to me on XX/XX/year>, it is now XX/XX/year>. I've been calling them since XX/XX/year>, but I am being passed around to different customer representatives that have no clue what they're doing they're just as confused as I am. As of now I have no idea where my money went nor am I being refunded.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TIDEWATER FINANCE COMPANY, INC. (IL)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-08-31
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (MA)

I made my final payment on a leased Hyundai in XXXX, then paid the buyout price. I was told the title would be released to me once I sent in the odometer release and signed bill of sale. I emailed them and mailed them the documents more than two and a half weeks ago. They still have not sent me the title, and now my registration is expired and I can not register the vehicle without the title. I have called Hyundai Motor Finance multiple times and they are either lying about not receiving the documents or they are simply refusing to release the title to me for a vehicle that I have paid for.
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (OR)

Citi closed my dispute twice and both for reasons for which I already provided the required documents. Citi claimed I failed to provide documents supporting my disputed transaction when in fact I sent all documents twice. Citi then claimed I failed to communicate with merchant to resolve the issue when in fact I did try to resolve the issue with merchant prior to the dispute ; I also sent citi screenshot of emails between me and the merchant showing that merchant refused to communicate with me over emails and wanted me to call. The merchant did not want to respond by writing even after I asked to have any communication in writing. The disputed transaction is in the amount of {$910.00} with XXXX ( the merchant ). The merchant used deceptive and misleading advertisements on their website when advertising a hotel room I booked and paid for through their website which violates consumer rights to receive truthful information about a product or service.
Consumer complaint received 2023-08-30
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I received a negative credit report alert, approx1-2 yrs ago, of an outstanding balance ( {$370.00} ), for an apartment unit ( XXXX ), that my wife and I never leased, out of XXXXXXXX XXXX We have never been/lived, nor have I ever leased an apartment unit in XXXXXXXX XXXX My wife and I, have always lived in XXXX XXXXXXXX XXXX ; I have been trying to get it resolved, for the past year, or so, to no avail. 

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
Consumer complaint received 2018-08-11
Product: Money transfer, virtual currency, or money service — Money order
Issue: Unexpected or other fees — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

In late XX/XX/XXXX, i went to XXXX to cash a money order in the amount of {$200.00} USD  from a friend in XXXX that was issued by XXXX XXXX. XXXX waits one month later and lies to me by telling me that XXXX XXXX money orders were no good in the USA and are now trying to extort {$230.00} from me. I contacted their corporate office and they were rude and vulgar towards me, despite me giving them the number to XXXX XXXX and for XXXX to contact them directly. XXXX persistently calls me up every day despite me telling them to quit calling me and to work with XXXX XXXX. I blocked their number on my phone and they use another number to call me and continue their harassment. I'm now at the point of having my number changed. They already charged me {$20.00} to cash a {$200.00} money order, whereas I received {$180.00}. Now, they want me to pay them {$230.00}. There's no excuse for them to wait one month and now contact me when they could talk directly to XXXX XXXX as they had 45 days to cash it before it becomes invalid. When they cashed the money order, they called XXXX XXXX, verified the money order and even received an authorization number, proving that it's good and valid. Now, a month later, they're harassing me with phone calls and trying to extort money out of me that I don't have as I have no income due to fighting with XXXX XXXX and trying to get my temporary total XXXX payments reinstated. My friend sent that money order to help me with paying rent and utilities. Please help put an end to this harassment, even if that means filing a lawsuit against XXXX? Thank you!
Consumer complaint received 2018-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

In XXXX, I filed for Chapter XXXX Bankruptcy and Discharged on XX/XX/XXXX. The main reason to filed for Chapter XXXX Bankruptcy was due to XXXX  XXXX XXXX refusal to Modify my Home Mortgage. 

During the initial Chapter XXXX Bankruptcy procedures all payments stopped. The court and/or XXXX XXXX XXXX assigned XXXX XXXX XXXX to serve my mortgage Loan Mortgage Number : XXXX. 

According to the 3 major credit bureaus, my credit reports indicate MORE than 120 days late payments. Of course affecting my FICO Scores tremendously. I am dealing with this issue since XXXX to present. 

- I have explained my concerns and offered my criteria to XXXX. XXXX, did not believe it and declined my claims. 

- Also, I have disputed online, in writing and by phone the 120 days late payments report to the 3 major credit bureaus. The replies and/or explanation are difficult to understand and seems they are not personalized. NO CHANGES. 

- Personally, I have contacted by phone many times XXXX XXXX XXXX in XXXX XXXX, Florida. No changes in their belief system and procedures. 

- I am currently paying " XXXX XXXX '' a monthly and expensive fee to help me clearing the 120 days late payments and any other " delinquencies '' as legally possible. After few tries, no success with XXXX and either the 3 credit bureaus. 

Although, that Chapter XXXX Bankruptcy was officially Discharged on XX/XX/XXXX, still the " delinquencies '' that motivated the bankruptcy are reported and present in my 3 credit reports. 

My numerous requests to clear and update my credit reports have been disregarded. 

Please advise. 

Thank you very much. XXXX.
Consumer complaint received 2024-03-25
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I entered into a trial modification with Bank of America. During this time the bank put a freeze on reporting me as being late. While I made all of my payments on time the bank still reported two months as late. The explanation that I have been given is that for some reason the bank set the freeze to end at the end of XX/XX/year> instead of XX/XX/year>. No one at the bank can give me an explanation. I have tried going through the credit bureau, I have tried having Bank of America research the matter to no avail. No one can give me an answer. I spend hours on the phone being transferred from one department to another department. The two late payments in XXXX and XX/XX/year> should not have been related as late. I just want those two items corrected. This is having a negative effect on my credit score. This is the only step that I have left.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

TransUnion broke the law!!! They didnt get my consent to put items on my report and they did NOT complete a thorough investigation before putting these items on my report.
Consumer complaint received 2023-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CT)

Wells fargo Bank close my account and held my money.I cash several check going back over 2 years. these checks were sign to me : pay to the order of XXXX XXXX and I give them the fund. Now the bank saying that is not allowed. Now they say those people can come in with 2 form of ID and claim the money. In this case they would be committing fraud because they already get paid. I never know I couldn't cash for someone, therefore I need my money
Consumer complaint received 2023-08-30
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: Source Receivables Management LLC (FL)

this company source receivables management unlawfully listed an account on my credit report stating it belongs to me with no proof. They reported it as a COLLECTION!! They have failed multiple times to provide me with and validation when I have requested it by phone and email and they need to remove this account immediately as this Is stopping me from being able to expand my business. Please help them to respond and remove this account as soon as possible thank you!
Consumer complaint received 2023-05-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp. (NY)

On the XXXX of XXXXXXXX XXXX I sent {$350.00} to world remit money transfer to my beneficiary bank account in XXXX. Till the time of filling out this complain. My beneficiary account has not been credited. I make several calls and several mails to them to no avail The transaction number is XXXX
Consumer complaint received 2023-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (GA)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists CREDIT MANAGEMENT LP Last reported XX/XX/2023 {$260.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/2023 ( 3 mos ) Account status Open
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (SC)

On XX/XX/XXXX I went to login to my online account and couldnt login. I call Navy and was put on hold for over 30 minutes and then had to go to work so I hung up. The next day I called back and was told I spoke with security department and they blocked my account and all my accounts will be closed. I had no knowledge of this. I was also told I couldnt be transfer over to the department. I have not done anything wrongful to have my accounts closed. Someone XXXX money into my account and I was told by another rep that it was a XXXX scam. I have nothing to do with any scams. I have a car note and credit card payment that I cant pay because I have been blocked with is causing harm to my credit score. I have had my account for over 5 years without any issues and now Im being told I was in a XXXX fraud scam. I have never done anything scam.
Consumer complaint received 2024-03-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (SC)

I have attempted to access my account details through an online portal that is sent via email/text. The portal shows limited information and does not provide a link to show full account number and details of fees/interest. Account activity shows when payment and interest is posted, but the new balance was clearly not reduced by the amount of payment plus interest shown. I attempted to get further details, specifically for unknown charges and was provided ( live chat ) additional details of {$25.00} ( interest charge ) which does not show up in activity. The only posted charges shown in activity is {$2.00} interest. Of the posted {$87.00} payment, the loan amount was only reduced by {$42.00}. This does not add up. I want my full account number so I can transfer to a bank I trust.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.