davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-12
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I used Bank of America XXXX to pay an individual on XXXX/XXXX/2016. The online system said that the XXXX should receive the check 2 days after my electronic instruction ( receipt by XXXX on XXXX/XXXX/2016 ). Since it was for payment to an individual, a paper check was sent in the mail by the bank. I got a call today XXXX/XXXX/2016 from the XXXX wondering the whereabouts of his money. I told him that I presumed that he got my check and cashed it since my account was debited the {$200.00} owed on XXXX/XXXX/2016. After some searching by the XXXX, the check was located today at XXXX 's company. He will deposit the check today. However, I question why my account was debited in advance of presentment and payment of this hard copy check. So, I called Bank of America to find out why. They told me that when I send money to large institutions like mortgage companies or utilities, they usually accept wire transfer payments so if the instruction is sent today, they receive their money as a wire transfer tomorrow. For hard copy checks that are sent by the bank, the amount is debited from the XXXX 's account on the day that the XXXX system estimated that the XXXX would receive the check. Had I written out a check myself and put it in the mail, my account would only be debited at presentment and payment of the check. I asked B of A if the Payee had died in the interim, would my account have been permanently debited the {$200.00} and B of A would have been {$200.00} richer. They informed me that if the check was not cashed within 90 days, they would refund those funds to my account. Well, it appears to me that the bank is using my money for up to 90 days for free while I do n't have access to that money for up to 90 days. I would also question whether the bank 's system is smart enough to ensure that after 90 days my uncashed check would be credited back to my account. It was at that time that I expressed my dissatisfaction with their internal policies and that the process was unfair and heavily weighted toward the bank 's advantage. It is at that point in the conversation that they offered a solution -- which was to treat my outgoing hard copy checks as " draft only '' checks ( I would presumably have to know enough to ask for and receive this preferred treatment of my funds ). They assured me that these " draft only '' checks would not be debited unless and until the check was presented for payment and paid. 
So here is my question : Is this a legal practice in which banks may choose to engage? Because it seems to me that this is just another way to manage the " float '' at the general public 's expense. Instead, the banks treat these funds as if they were already theirs. Can you please enlighten me on the legality of this practice? Thanks in advance. 
Best regards, XXXX XXXX XXXX XXXX XXXX XXXX cell
Consumer complaint received 2024-05-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (TX)

I have a loan for a trailer with truist, I paid them for a period weekly until I saw that the balance is not being applied it was in a limbo state. I called them and they informed me that the money in limbo would only be applied at end of year for interest. I went to a branch and they allegedly fixed the issue and it showed I had a payment of XXXX due and that it would be need to be paid which I did XX/XX/year>. A few weeks later I get a letter saying| was behind on my payment of XXXX. I went a branch and was told different then last person that that money was never there even though I had for months had it showing and showed them the screen shot of the info and the full log page. 

The teller said oh well not my dept call the XXXX XXXX. I did a online call back XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX no call was made to me. I called the XXXX XXXX and have been passed around to a rep who was rude and dismissive after a XXXX hour and XXXX XXXX minutes no answers to my question. They are being very shady and telling me multiple things all in their favor. I have screen shots I can provide
Consumer complaint received 2015-06-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Systems International, Inc. (TX)

XXXX ( XX/XX/XXXX ), I paid {$140.00} to the XXXX with my XXXX XXXX XXXX card. It showed as " XXXX TX '' on my XXXX XXXX XXXX statement. 

XXXX ( approximately ) A debt collection agency called Credit Systems International called me and told me that I owed them that {$140.00}. 

XXXX ( XX/XX/XXXX ), I sent proof of payment to Credit Systems International ( CSII ) that I had made the payment. 

XXXX ( XX/XX/XXXX ), CSII contacted me again claiming that I owed them for that debt. 

XXXX ( XX/XX/XXXX ), I called the " XXXX XXXX XXXX XXXX '' and got confirmation from them that my balance was XXXX and I had paid them everything. I spoke with 'XXXX. ' At XXXX she claimed that I did owe ; but then when I asked, " if my payment was not for that cost, what other instance of service was there? '' she proceeded to look further in a XXXX database and confirmed that I had indeed paid the full amount She told me that they would contact CSII to inform them of the error. She gave me a payment confirmation number of XXXX. ' Also, she gave me the Payment Reference Number of XXXX. 

XXXX ( XX/XX/XXXX ), CSII contacted me again claiming that I still owed them for that payment. I personally informed them of my conversation with " XXXX XXXX XXXX XXXX. '' I asked CSII if they had pressed XXXX XXXX XXXX group to look in the second database, and CSII said they knew nothing of that. I told them that they needed to press further with " XXXX XXXX XXXX XXXX '' to get the right answer. 

XXXX ( XX/XX/XXXX ), CSII contacted me again claiming that I still owed them for that payment. They claimed that the " XXXX XXXX XXXX XXXX '' claimed that I still owed them. 

XXXX ( XX/XX/XXXX ) I learned that CSII had reported me to the credit agencies.
Consumer complaint received 2020-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I checked my credit report an saw several account that did not belong to me, so i got in contact with the companies to let them know that these accounts were not mines. I also provided my drivers license and social security card to prove that the accounts were not mines but they refused to investigate them. So i decided to file the necessary documents to show that i have been a victim of identity thief to the best of my knowledge. The following accounts are not mines : XXXX  XXXX XXXX  # XXXX XX/XX/XXXX {$730.00} XXXX # XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX {$0.00} XXXX XXXX # XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX {$730.00} XXXX XXXX # XXXX XX/XX/XXXX {$1000.00} XXXX XXXX # XXXX XX/XX/XXXX {$1700.00} XXXX XXXX # XXXX XX/XX/XXXX {$500.00} XXXX XXXX XX/XX/XXXX XXXX {$2200.00}
Consumer complaint received 2024-03-09
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: FC HoldCo LLC (TX)

I purchased and signed a contract to purchase my vehicle XXXX XXXX XXXX XXXX on XX/XX/XXXX. My mom XXXX XXXX is my Co signer and my name is also on the contract. I reached out to Flagship credit acceptance back in the begging of XXXX to see why my car loan has not been reported to the credit bureaus and my payments as well and to see why it does not show I have a auto loan in mine and my moms name. They started an investigation and said it would take 30 days to hear something back and I would receive an email. They said if i did not see an update i needed to reach out to the credit bureaus myself and they would have to take care of this issue. They never called me or emailed me like they said they would so I reached out XXXX XXXX. They said the investigation was closed XXXX XXXX and everything the credit bureaus needed was sent over to them and they should be updating it. I called XXXX XXXX and XXXX yesterday XX/XX/XXXX to see why I have not seen it on my credit report yet. They said I would need to call Flagship because they never received any information on this loan and it was out of their hands. I called Flagship credit acceptance back the same day and Flagship basically said there was nothing they could do, that an investigation had already taken place but there was no updated notes on the account. I was very upset and frustrated that I am paying for a vehicle that is not even being reported and i feel I just keep getting the run around and there is nothing I can do about it. I asked to speak with a supervisor but they would not transfer me and said the department I needed to speak with was closed already. I spoke with a CSR named XXXX at Flagship credit acceptance and he said they would note my account to have someone call me back XX/XX/XXXX at XXXX but no one ever called me. I called back at XXXX that same day while i was still at work and I spoke with a CSR at Flagship credit acceptance named XXXX who said there was never a note made and there were no supervisors on the floor available. I called back about the same thing three more times on different dates over the past 8 months and get the same response but still have received no emails and the credit bureaus still have not received anything till this day. I feel that im getting no where! I XXXX  flagship credit acceptance and they have lawsuits against them and other people have the same issue with them not reporting to the credit bureaus and get the same response but get nothing back! They also gave me a car with a 20 % interest rate. I will never finish paying this vehicle off!!
Consumer complaint received 2016-10-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

I have contacted the original creditor as well as Equifax numerous times by both US postal mail as well as telephone to report that this account is erroneously being reported twice on my credit report. I have received no resolution and this account continues to damage my credit report. 
The account in question is : XXXX
Consumer complaint received 2017-05-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I checked my credit situation on  XXXX   XXXX  and noticed the dealership I had bought and paid in full a car from showed me as having a balance. I called the dealership and they blamed TransUnion. I then submitted a dispute on the   XXXX   XXXX   site and it showed that Transunion was to investigate ... 30 days later the whole company vanished from my report but that 's not what I wanted! I simply wanted the debt to be corrected since I have the title in my possession and there was no debt. N ow my credit score dr opped  XXXX  points and I have nothing positive to show on my report. I called TransUnion but they were no help telling me there was nothing they could do. Had this been investigated correctly this never would have happened. I am trying to enhance my credit and this really hurt me!
Consumer complaint received 2016-10-23
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

On XXXX/XXXX/2016 I started the process to get a debt from Portfolio Recovery Associates validated after seeing a trade line on my report in the collections tab. I sent a certified letter dated XXXX/XXXX/2016 to the address listed on my credit report ( XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ) disputing this debt and requesting validation of said debt within my rights of the Fair Debt Collection Practices Act Statute XXXX { XXXX XXXX XXXX ], which requires them to send me validation containing MY signature for the debt owed to them within 30 days of receipt of my letter. The letter was received on XXXX/XXXX/2016. No response, no verification, all that was done within the 30 days they had was mark their trade line on my report as " Disputed ''. Already with no proof of MY signature validating the debt and their lack of response, they have already broken Federal law. I sent a follow up letter dated XXXX/XXXX/2016, received and signed for on XXXX/XXXX/2016, stating to them that by not providing me with validation of the debt, that they have broken Federal law, as good will giving them XXXX last chance to have them to validate the debt, by furnishing proof of contract and signature with them, and demanding removal of their trade line from my credit report immediately if no validation can be provided. Today is now XXXX/XXXX/2016, and there has been ZERO response from this agency. All letters have been ignored, short of the first letter with them marking their trade line as " Disputed '' except now reads " Dispute resolved- Consumer Disagrees ''. I have all documentation of my attempts of correspondence with Portfolio Recovery, and will also be attached with my complaint.
Consumer complaint received 2022-09-04
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (FL)

FRAUD COMMITTED DURING MORTGAGE PURCHASE TRANSACTION On XX/XX/XXXX, I closed on a house purchased for {$290000.00} from XXXX XXXX XXXX XXXX XXXX, owned by XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. At that time, XXXX XXXX signed a seller 's affidavit stating that he knew of nothing attached to the property. He also failed to disclose that his real estate agent was also his wife, who had a vested interest in the property. Over a year later, on XX/XX/XXXX, it was discovered that there were liens placed on the property by the city of XXXX, XXXX XXXX XXXX. Upon further investigation, it was discovered that XXXX XXXX, XXXX XXXX XXXX, and the title company, XXXX XXXX, were ALL aware of the open municipal code case attached to this property. I have reached out to all of them on multiple occasions. Other than one response from XXXX XXXX stating that he paid the liens, I have not received any communication or resolution on this issue. Upon further investigation and involvement from my realtor and her broker ( who reached out to them multiple times as well ), I was told that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX submitting a lien review request to the city on XX/XX/XXXX. As of XX/XX/XXXX, the XXXX XXXX XXXX XXXX informed me that there was no lien review request submitted. They have also assured me, as has the office of XXXX XXXX XXXX, and through multiple phone consultations with local real estate attorneys, that this information is required to be disclosed by the seller and/or their agent prior to the closing of a property purchase. None of these parties disclosed this information even though they were all aware of it. As a result, I have been denied a home equity loan, a mortgage refinance loan, am not able to complete improvements on my property, and am also not able to sell the property due to these liens. I have documentation from the closing of the property, documents from open records provided by the city, and documents emailed from the title company to show proof of this. Not only is this illegal, but it is also unethical of all parties involved. I intend to report each of them to their corresponding licensing boards and other entities as appropriate. I have listed the address information for all parties involved. 
XXXX XXXX, Seller XXXX XXXX XXXX, XXXX XXXX Pay Cash XXXX Houses Owner/Business Development, XXXX Homes XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sellers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Homes XXXX XXXX XXXX XXXX XXXX XXXX Authorized Member XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Houses XXXX XXXX XXXX Seller XXXX XXXX XXXX  XXXX XXXX Pay Cash XXXX Houses XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
Consumer complaint received 2017-04-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Atlanticus Services Corporation (FL)

Purchased a treadmill from  XXXX  in  XX/XX/XXXX  after being approved through their website for 0 % interest for 12 months.  Treadmill  was delivered and finally, in   XX/XX/XXXX ,  after I had to call and email  XXXX  to find out who the creditor was, I got my first statement from Fortiva  Credit with the m inimum payment due along with an offer to sign for auto payments from my checking account. If I signed up for auto pay, I 'd get a {$25.00} bonus credit to my account after making the first payment.     I made the first payment on th e  XX/XX/XXXX  & noticed on the  XX/XX/XXXX ,  an imposition of interest in the amount of  XXXX . I contacted Fortiva  Credit through  the online chat feature and was told that my account did not have the promotional 0 % interest. When I inquired about the {$25.00} bonus, I was told repeatedly that the credit would post after the first payment had cleared. When I pressed the rep that the payment had cleared on the   XX/XX/XXXX , I was to ld that the credit would post 37 days later.     So, Fortiva  Credit is bait and switching on the terms of the contract and also continuing to r ack up interest charges for an entire statement cycle before issuing the credit. This was not included in their disclosures.
Consumer complaint received 2016-07-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (CT)

got a student loan XX/XX/XXXX never graduated but XXXX sent certificate anyway the loan was for XXXX moved around a lot but finally tracked down. i paid when i could and when i could not they snatched my and my husbands federal and state taxes which totaled over XXXX dollars.then XXXX sold the contract to navient and i still owe XXXX dollares now navient is going to garnish my wages again thank you for any help you can give me XXXX. XXXX. the school was computer processing institute in XXXX ct.
Consumer complaint received 2022-02-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy ( if any ) from my credit report immediately.
Consumer complaint received 2015-10-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

Student loans are reporting late when they have always been on deferment..i have disputed with the bureaus and all XXXX have just ignored my dispute stating it is reporting correctly. I have a letter directly from fed loan servicing stating deferment and forbearance dates and they prove i should never be reporting late. Letter states beginning and ending dates of all deferment and forbearance on my accounts.
Consumer complaint received 2016-01-05
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Coastal Financial Solutions, LLC (OH)

I received a voicemail saying that I was trying to be contacted and if the message was not returned, paperwork would be filed with the local county authorities. I returned the call within 30 min and was informed that I was being prosecuted for writing a bad check for a loan. Later in the conversation I was told the company I was speaking with was Coastal Collections. When I asked details, I was told that the date was in 2013, the amount {$450.00}, and it was for XXXX XXXX. When I asked for contact information for XXXX XXXX, who I have never heard of, I was told I could not have that information. I have never taken a loan for {$450.00}, written a bad check, or been notified of this being a collection against me. When I asked when I could expect documentation from XXXX, Coastal Collections said it was up to XXXX, but I could expect a subpeona soon and could fight this in court.
Consumer complaint received 2022-02-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NC)

Have wind and hail policy and the mortgage company is not recognizing that even after my insurance agent sent them proof and this happened last year I they took money from my escrow to buy a 2 week policy even though I had a policy and here we go again
Consumer complaint received 2015-08-16
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: F.H. Cann & Associates, Inc. (SC)

Initial communication with FH Cann & Assoc. was after a wage garnishment was implemented with my employer. I informed FH Cann representative that I had received no written notice and was unable to verify amounts. They replied it was sent, but offered no proof of receipt. 

I also explored a rehabilitation at this point but was told I could not enter the rehabilitation at that time, then again that I would have concurrent paycheck debits of XXXX % each for a total of XXXX %. As this is clearly unaffordable, and I was not in a position to pay this debt by credit card as counselled by FH Cann, I resolved to continue with the garnishment payment. 

I made several attempts to contact FH Cann and request an account balance and a monthly statement. I was told by seperate FH Cann reps that these are sent monthly via mail. They must use the same mail service for the statements as their initial disclosure of debt, I have yet to receive either via paper mail. I did receive 1 statement and balance after to speaking to XXXX XXXX for the second time. 

I recently filed a complaint with the XXXX and FH Cann General Counsil repsonded that they do not send monthly statments and that I may determine my " payment '' by reviewing my paystub. While the Esquire is correct, my paystub shows a debit amount, it does not provide a running balance, associated interest and fees. I have contacted the origional debtor for this information and was informed I must deal with FH Cann. 

I believe as a consumer I have the right to the disclosure of debt ; not provided. 
I have a right to see where and to what and how such garnishments are being applied. 

If they are not required by law to provide these statements, how is consumer to know when such debt is satisfied? How is the consumer to know if the fees are within allowable legal limits? 


If this is not illegal it most assuredly is poor business practice and poor customer communications. 

Thank you