davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I went to the local carpet store being new to XXXX and wanting to support local business. The dealer XXXX XXXX took the order and said it would take a week to ship the carpet from GA. I said that was ridiculous but okay let 's schedule install date. We did for 2 weeks to allow carpet to be in their store.

They ever ordered the carpet and said it would take a month. I had given them a deposit on my Bank of America Credit Card. I called the mill and they said from GA to XXXX it would be 2 days, that the carpet had not been ordered was not a special order carpet as it was free run wall to wall not a designed cut and bound one which would take a week.

As it had been three weeks, and one can go to any carpet store in America and pick regular stock and it is ready to be installed that week, if not the next day or 2, I said I was cancelling the order that I no longer believed anything the dealer said as I had previously worked in carpet and flooring.

They said fine, but they were due a cancellation fee. I said no, it had never been received and according to the carpet mill never ordered. It was never in stock at the store. They said well they had to pay the Mill a restock fee. 
I patiently explained that was an issue and contract provision between the store dealer and the Mill, it did not include me and I would not pay a restock or cancellation fee. I believed the Mill and the dealer never ordered the carpet.

I called Bank of American, they agreed with me and reversed the charge to the dealer. All was well, until the dealer had his Merchandise Group complain to Bof A. Without telling me they not only reinstated the amount paid but without my permission of knowledge paid the dealer the entire amount for the carpet.

I never signed for it, the carpet was never received. Talked with BofA and they said the Merchandise Group complaint was so strong and they were all BofA customers and I just an individual that they reversed their decision and ordered the entire carpet, though never in stock, never installed as owed and paid the dealer.

My bank of BofA in XXXX with whom we had banked 26 years called them on my behalf and told was a new customer as far as they were concerned and that the Merchandise Group held power and were collectively and individually more capable of bringing BofA funds. 

So, BofA put this on my credit report and it is affecting my ability to get a mortgage. I do not owe this debt, nor should this be in my credit file. 

I cancelled my account with BofA and returned their shredded card to them at the local XXXX XXXX. 

When this sprang up after I applied for a new mortgage I went to the XXXX. Attorney General who suggested that I contact you. 

Please help. 
XXXX XXXX
Consumer complaint received 2019-05-12
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (TX)

On XX/XX/2019 I purchased two pieces of furniture and the service to have them assembled and installed. In the course of installation the technician caused intentional and extension damage to the wood floor of the bedroom where the work took place. It was apparently out of frustration for having to work alone on the day in question, whereas he typically has an assistant to support. The cost of replacing the wood floor exceeds the value of the furniture and services purchased. The merchant was unhelpful and refused to acknowledge the behavior of their employee. I disputed the charge with my credit card provider in order to recover the funds and use them towards the replacement of the wood flooring. The credit card provider, Chase Bank, concluded in favor of the merchant without performing a proper investigation. On XX/XX/2019 Chase informed that they had completed the 'investigation ' and determined that the charge was valid because " We can't confirm you're due a credit because we don't have a 2nd opinion letter from a different merchant showing how much it would cost to repair your damaged wood flooring. '' Chase had never requested such information in the course of the 'investigation '. I called Chase to inform the Disputes Department of that fact, and I was told that the case would be re-opened so that a proper investigation be performed. Subsequently, on XX/XX/2019 I received a letter stating once again that the investigation had been concluded, but the reason had simply been adjusted to remove the claim of 'missing information ' that had never been sought. ( All relevant letters are attached to this statement. ) This is highly concerning that a major credit card provider is feigning the handling of dispute investigations and finding in favor of retailers without seeking the necessary facts from the consumer. I have made repeated requests to Chase to re-open the dispute and receive the information needed to make a reasoned judgement. Chase has refused to do so, and does not appear prepared to receive information on the consumer side of a dispute.
Consumer complaint received 2017-12-01
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. (FL)

Equifax is reporting two unknown medical collection for {$100.00} the account numbers # XXXX and XXXX. There is no name of the company listed. I never received a letter validating the debt. The Debt just appeared on my Equifax credit report on XXXX/XXXX/2017. Also Equifax continues to report XXXX XXXX  XXXX XXXX and XXXX XXXX account # XXXX. None of these companies have provided a signed contract binding me to the debt that they are reporting to Equifax. Also I have not received verification that this debt was assigned or sold to collector, information that these companies are licensed in florida to collect. I have n't received nothing to validate this debt. In the US law encyclopedia, American Jurisprudence, 73 am Jur2d. Sections 90-93 ; It says that one can not subrogate onto a contract that they were not original on, did not have any interests. Thus, when an original creditor sells the debt, but they did not give these rights to the collection agency can not act as a substitute for the original creditor.
Consumer complaint received 2017-12-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

USAA Fed Savings Bank issued my mortgage ( XXXX XXXX ). In XXXX USAA hired a sub-contractor ( XXXX XXXX XXXX ) to service the loan however I still am required to pay to the order of USAA FSB. I have paid my mortgage at least XXXX month early since the initiation of this loan ( XXXX XXXX ). For over two years, since XXXX was brought on as a mortgage servicer company, they, USAA and XXXX, have falsely/incorrectly adjusted my mortgage due date, always due earlier, I believe, in an attempt to mislead me and make me think my payment is late. I have contacted both companies who have responded to me however the practice continues every month to every two months.
Consumer complaint received 2018-01-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc. (ME)

This debt collector has been contacting me for collecting a debt that is over 11 years old. I sent a verifacation of debt letter and this company failed to provide any of the information I asked for. Which you 'll find in the attached document. I have no contract with this company, nor have I given this company permission to obtain any information of the Debtor they are persuing, under the ucc1 financial and ucc1 security agreement filed. Now they are harrassing me.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

XXXX, XXXX, and Experian are obligated by the FCRA to report accurate accounting. A charge off account from XXXX XXXX XXXX is reporting on my credit report. According to IRS publication 4681 : If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. In general, if your debt is canceled, forgiven, or discharged for less than the amount owed, the amount of the canceled debt is taxable. A charge off is considered income by the IRS and income does not suppose to be reported on my credit report. I never received my copy of the 1099-C. Also, according to 15 USC 1681 I have the right to an accurate report across all reporting bureaus. This particular charge off account show inaccuracy with all three bureaus. The information directly impairs the efficiency and credibility of the information being reported by the credit bureau.
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

In XXXX I used CareCredit ( Syncrony Bank ) to finance XXXX through my dental office. The total balance was {$4500.00}. The terms were for XXXX 0 % APR. My dental office set up the account for me and I chose to do automated monthly payments of $ XXXX. However, unbeknownst to me, the payments decreased each month for a percentage of the overall balance. My statements each month simple said thank you for your payment without an actual dollar amount. After the 18 months, I was hit with a very large interest fee ( over {$2000.00} ). I called care credit and found out that my payments were reduced to $ XXXX, meaning I had a remaining balance. They offered to revert the interest charges if I could pay off the account in full within 30 days. I made two payments and over the next 30 days, and the interest was reversed. However, I overpaid because each team member I spoke to gave me a different total owed. Once we finally figured it out, the account balance was now {$0.00}. A week later, I was charged {$1.00}. When I called asking what the charges were for, they declared I had signed up for a security product that insured my account. I asked them to cancel that, as there was nothing to secure. They sent me to a third party, who refunded me over {$700.00} that I had apparently paid over the 18 month contract. If I had not received that {$1.00} payment, I would have never known that I paid that much or that I could get it back. The money was returned to care credit and I had to call multiple times to receive the payout check. A few weeks later ( XXXX XXXX  ), I received a bill from my dental office saying I owed them {$4500.00} for my XXXX  Without my knowledge, carecredit reverted my payment to my bank. They told my dental office that I was unhappy with the XXXX ( this was never my complaint ). When I called carecredit, they told me they reverted the charges due to my complaint to the XXXX  They never sent me any written notice of this. When I asked about it, they said a letter was sent ( it was never received, despite receiving the original refund check from my security insurance ). They then stated they sent me a refund check for {$6500.00}. This was {$2000.00} more than I originally paid. I reached out to them twice ( in the beginning of XXXX XXXX XXXX ) to pay them back for overpaying me. I was told by their manager that they would charge the card so I could pay online. They did not give me any other option to pay. It has been 3 weeks now and I still have no received any charges on the card in an effort to pay them back. I still have no received any information on why they reverted the payment maybe in XXXX to my dental office ( that I had already paid in full ). I now owe them money and they are not charging me or giving me an option to pay them. I worry they will attempt to charge me interest on the money they overpaid me.
Consumer complaint received 2019-05-12
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. (FL)

Transunion credit report XXXX credit report XXXX credit report They all have wrong information on my credit report plus old account number and old information still they that are not allowed by law after 7 years to be there
Consumer complaint received 2018-01-08
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: Experian Information Solutions Inc. (IN)

Once again, there is activity that is INCORRECT being reported by XXXX XXXX, XXXX regarding my mortgage loan. 

Once again, after filing a complaint. I am met by retaliation by someone within the company, XXXX XXXX, XXXX. This is not the first time this has happened. It has happened on several occasions. I am now attaching screenshots of what is being reported by someone at XXXX XXXX, XXXX. 
I have personally met with my personal bank and have attached all checks that were cashed per month by XXXX XXXX, XXXX. I have also attached the payment history showing all payments that were paid to XXXX XXXX, XXXX since the start of my VA mortgage loan. Those documents have been mailed off to each credit bureau. 

Now ... someone at XXXX XXXX, XXXX is once again, turning in incorrect information regarding payments that are not being reported. I believe as a clear means as retaliation regarding complaints sent to several bureaus. Someone at XXXX XXXX, XXXX is still removing payments that were prior on my credit report such as XXXX 2017 payment. 

If you are going to report my VA mortgage loan. You have an obligation to report it correctly. XXXX XXXX, XXXX has literally changed my credit report information on more than five occasions since XXXX XXXX, 2017. 

The current reporting is INCORRECT. I have made payments that are not being shown. The payments need to be reported correctly that reflect the payment history sent by your company, XXXX XXXX, XXXX. 

I have once again filed not just this complaint. But with all credit bureaus. Clearly this is abuse of power, flatulent and down right ridiculous to still continue with inaccurate reporting, not reporting or incorrectly reporting with regards to my VA mortgage loan payments. 

As told by an attorney. XXXX XXXX if they are to report your mortgage payments to the respected credit bureaus, in which, they clearly have to all three credit bureaus. XXXX XXXX, XXXX has a responsibility to report it correctly. Someone at XXXX XXXX, XXXX has reported as you can clearly see on screenshots. " Under a partial payment program. '' I am NOT under a partial payment program. I have paid more than on some payments, MORE, than my initial loan contract. 

Once again, I am demanding that my payment history reflect what is on the current XXXX XXXX XXXX payment history that was mailed to my home. 
I am once again, demanding that my FICO score by reinstated to reflect the correct changes. 

As per my phone call with XXXX this morning. It is someone at XXXX XXXX, XXXX submitting the incorrect information. XXXX XXXX XXXX needs to fix this ongoing issue ASAP. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (FL)

This complaint is against Acura Financial Services and XXXX XXXX Credit bureau. Although I made payments on time by using XXXX XXXX XXXXXXXX online payment system, Acura Financial Services claim that they didn't receive payment on time due to post office delays because of covid-19. I called Acura customer service and was advised that everything should be fine and they will make a note of it and that no reporting will be done if they receive the payment by XX/XX/XXXX, XXXX. They received the payment on XX/XX/2021. However, they reported to Credit bureau anyway and that reduced my credit score. I also made another payment on line as well to pay them twice. The XXXX XXXX XXXX  Rep also talked with Acura Rep but Acura didn't correct the credit report. I am disappointed that Acura will treat a loyal customer of 4 years so badly and unprofessionally. I also reported to XXXX XXXX Credit Bureau but they have not corrected the report.
Consumer complaint received 2017-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fay Servicing, LLC (DC)

I have tried twice on XXXX XXXX to dispute the delinquent payments to no avail, with XXXX credit bureau and Fay Servicing. 

Let me also say Fay Servicing did correct the XXXX report but the disputes with XXXX will not change. 

I have disputed so many times, that XXXX XXXX will not allow me to dispute the Fay Servicing and XXXX accounts, again. 

I also asked my Account Manager with Fay Servicing why does XXXX show 9 missed payments, when there have been no missed payments since the modification. 

Fay Servicing even shows a missed payment for this year, and there have been no missed payments, but the Account Manager stated that another office would have to correct my credit reporting with XXXX.
Consumer complaint received 2015-06-24
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: First Investors Servicing Corporation, Atlanta, GA Branch (OH)

On XXXX I acquired an auto loan from First Investors XXXX XXXX, GA. The loan was for 72 months. The loan should have been paid on XXXX. I contacted First Investors on XXXX and asked about the pay-off on the loan. I was shocked when they told me that I still owed {$9000.00} on the loan! They claimed it was for deferred payments and late fees. So I paid and another year later I still owe {$8000.00}. on this vehicle and if I do n't pay it they will repossess it. I can not even trade the car in because there is so much negative equity on the vehicle that a car dealership/bank wo n't touch it. XXXX car dealership told me the car is only worth {$1500.00}. I 'm at my wits end. I ca n't get anyone at First Investors to return my phone calls. I really need some professional advice. The last time I actually spoke with a person from First Investors, I told the person that I was contacting the CFPB and they just laughed at me. I just feel so overwhelmed. Thank you for any advice you may forward to me.
Consumer complaint received 2022-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have been trying to call CapitalOne in order to dispute a transaction made on my CapitalOne checking account. I keep calling the number, waiting on hold for upwards of 30 minutes and then the call disconnects. Sometimes at the beginning of the call, I do the " Press 1 to receive a call back '' but nothing happens and it sends me to the hold music anyway. 

In the " Report a Problem '' feature in the app and online, the only contact information provided is the phone number ( XXXX ) but no one ever answers. This is an online-only account with no physical branches ( at least near me ) and the only contact information I have leads to long hold times and a disconnected call. I am at a loss for how to communicate with someone to report my disputed transaction. I would think that a Bank with no physical locations would be more diligent about being accessible via phone or at least an online chat feature. Being unable to reach anyone about my bank account is really frustrating and worrying.
Consumer complaint received 2022-01-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (CA)

I was contacted by Midland credit and allowed my Financial advisor to take power of attorney to speak with midland credit mgmt. My advisor told me to pay them and I did. During this time I paid the debt in full as it was a debt they bought from XXXX XXXX. I was then told by my financial advisor the debt has been paid and it was not on my credit report. So I caught it in time. Then two weeks after paying the debt the collections from the collection agency has shown up and reduced my score and showed a balance. This was not there prior and I have proof of this. We asked during the payoff and info on how to pay if they will delete this collection if it has hit my credit report and my financial adviser told me he spoke with a nice lady that said she would accommodate that. Later we called and asked for the deletion letter and was told after waiting on hold and with someone in customer service that they would do it in 2 years. This was not something I would agree to. And the collection was bought back in XX/XX/2021 for a debt that was only six months old. I paid it promptly and I paid all the collection fees as well and interest in full. I feel like I have not only been denied credit trying to refinance my house and buying more property but it also hurt my credit beyond repair. My credit prior to this was over XXXX.
Consumer complaint received 2017-11-30
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: DISCOVER BANK (PA)

I need help resolving an issue with applying for a Discover Bank deposit account. I am XXXX XXXX XXXX and a long time discover card holder. I recently decided to also open a savings account and it has been a surprisingly poor experience. There are many options where I can put my money but I have always been happy with my discover card. In setting up my savings account, I attempted to take advantage of one of its recurring promotional offers in XX/XX/XXXX. My promotional code was XXXX. To qualify for the promotion, I needed to apply by XX/XX/XXXX and make a deposit of $ XXXX by XXXX to obtain a {$200.00} bonus. I did apply by XXXX as required but the deposit of $ XXXX did not occur until XXXX, 9 days late. However, there were many other customer service encounters in between that were poor. There were many gaps in what was promised and what was delivered in terms of emails and returned calls. I believe some of these were intentional obstacles so Discover Bank would not have to pay me the bonus. I appealed to the higher ups at Discover Bank and they still have not paid the {$200.00} bonus. They run promotions like this all the time and my guess is that I am not the first person to face obstacles and delays so they did not have to pay the bonus. Additional details are in the attached timeline.