davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (CA)

The company ( XXXX XXXX Mr. Cooper ) misapplied my XX/XX/XXXX mortgage payment, by applying the entire payment to principal without direction. They then notified me that my regular payment was overdue. When I called them about it, they reversed the action and a late fee, but lost {$200.00} in the process. I have called them 8 times, twice speaking to their 'resolution ' team, and each time was told that this was their mistake and would be corrected. This has been going on since XXXX XXXX, and my account is still showing {$200.00} short, OVERDUE by 30+ days, and it has effected my credit rating. The regular payment amount is {$2800.00}, and was posted to my account on XX/XX/XXXX. The amount misapplied to principal was {$2600.00} ( {$200.00} less ). Currently there is {$2600.00} in my account showing 'unapplied ', and my account is still showing {$200.00} short.
Consumer complaint received 2022-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I mobile deposited a check to my business account with Bank of America from someone I was doing business with ( XXXX XXXX XXXX ) on XX/XX/XXXX per our contract and agreement. Suddenly, on XX/XX/XXXX Bank of America withdrew those funds from this check/account and said it was a duplicate. I called Bank of America XXXX times to ask how it was a duplicate when I only had one deposit of this check showing on my ledger. I was given various answers but the funds were never credited back to my account. Finally, a representative of Bank of America told me that XXXX XXXX stole this expired check from me and deposited this check into his account, and thats why Bank of America mistakenly withdrew these funds from my account. However, they refuse to correct this mistake and tell me, ironically, that they cant just withdraw the funds from his account. I have reported XXXX XXXX to the authorities, but Bank of America refuses to correct their mistake of depositing an expired check into the wrong persons account. To add to this entire situation, the check has clearly written on it, the originators business name XXXX XXXX XXXX XXXX ) and my business name, XXXX XXXX XXXX XXXX ) & the funds, again, were deposited into my business account on XX/XX/XXXX. I have the images of the stolen check from Bank of America and I have a police report number as well. Below, I just wanted to list some of the false information I was provided by various BOA representatives. 

1. Im putting in a dispute and this should be fixed. ( This never happened ) 2. We dont know why there is a duplicate showing. ( When they knew all along and refused to tell me. ) 3. The funds were sent back to the originators account when their bank requested and we dont require any verification to do that. ( I have a bank statement from the owner of XXXX XXXX XXXX XXXX XXXX. & he never received those funds back into his account. They are still currently in XXXX account. Who is a thief or an associate of the thief. ) 4. We cant just take the funds out of this persons account ( when clearly they can because they removed them from my account )
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX Amazon notified me that Amazon let unauthorized charges hit my debit card. 3 different transactions ( {$510.00}, {$420.00}, {$260.00} ) totaling {$1200.00}. No orders were placed on my behalf, no products delivered, no idea what was ordered or who ordered it, no orders on my app. Just a {$1200.00} charge from Amazon, that's all I know.

I have spent days and hours on the phone with Amazon and Amazon keeps pointing the finger at my bank saying my bank should credit me. I've also spent days and hours on the phone with the bank ( Chase ) and they are saying that what Amazon is saying is untrue. They are saying that because Amazon took the money without an authorization, Amazon must return/refund the money. The bank is stating that because I have many undisputed charges from Amazon, they can not process this as fraud ( I buy alot from Amazon ) Amazon customer service has been completely useless, not resolving the matter and they keep sending me the same canned email response, letting me know that I have to dispute it with the bank over and over again and the bank will credit me and that they have " cleansed '' my amazon account.

Its been over 2 weeks and both companies keep opening and closing their cases and not doing anything except frustrating me. I have called Amazon 6 times from the XX/XX/XXXX to XX/XX/XXXX, I hvae called my bank another 5 times within the dates as well.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

This is in regards to XXXX XXXX. In XXXXXXXX XXXXI sent a check that was issued by XXXX XXXX XXXX XXXX XXXX to XXXX  to pay my balance in full. The total was {$7000.00} at this time. The check was cashed and endorsed by XXXX  on XX/XX/2023 unfortunately the check did not have my card number on it so it was never applied to my account, I have sent multiple times the copy of the canceled check and now they are telling me I never provided this information. I have sent it via fax and via email on the portal. My credit score has gone down dramatically because of this. The dispute has been open multiple times and denied just as many. I want this, and I want my credit report cleaned.
Consumer complaint received 2022-06-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

account resolution servi is reporting to XXXX, XXXX and XXXX that i owe them {$780.00} {$710.00}, i am not sure how they got these calculations because i never did business with them. i been disputing this account since 2018 and haven't gotten any response from them besides a attempt to collect on the alleged debt. they had 30 days to complete the re-investigation, yet they have failed to respond its been 2 months any Further delays are inexcusable. i am looking to get custody of my kids and need to move to a bigger apartment but this one account is holding me back. I have been more than patient with this company. It is unfair to my kids and I, it's like I have no rights over my report. please remove this account from my credit report they have no provided me anything to support the fact that i owe them money. They need to successfully discharge the debt or seek a different type of remedy besides ruining my credit. account number XXXX XXXX
Consumer complaint received 2022-06-17
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: EQUIFAX, INC. (TX)

According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The accounts below have violated my rights 1. ) Account Name : XXXX, Account Number : XXXX 2. ) Account Name : XXXX, Account Number : XXXX XXXX. ) Account Name : XXXX XXXX XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-17
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. (TX)

According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The accounts below have violated my rights 1. ) Account Name : XXXX, Account Number : XXXX XXXX. ) Account Name : XXXX, Account Number : XXXX XXXX. ) Account Name : XXXX XXXX  XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-01-19
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: Experian Information Solutions Inc. (DC)

False or deceptive portrayals You violated 15 U.S. Code 1681s2 ( 3 ) of the FCRA. I protested these inaccuracies more than 35 days ago, but you have yet to mark them as disputed. You lead me to lose out on opportunities by incorrectly reporting this item and failing to indicate that it was disputed.

The following elements should be removed from my consumer report 1. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer. 
XXXX  Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

2. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer. 
XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

3. " 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That is not initiated by the consumer '' XXXX Account XXXX : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

4. FDCPA section 807 violation misleading false reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 U.S. Code 1645 Business credit cards limits on liability of employees XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 As evidenced, you are required to provide notification within 30 days, not one day later. 
As a consumer, the accounts listed in this letter must be deleted immediately, or I will file a claim for monetary damages in small claims court in my city and state under 15 USC 1681n civil liability because my rights have been infringed. In addition, we have already sent this letter to the Complaint portals for the Consumer Financial Protection Bureau, the State Attorney General 's Office, XXXX XXXX XXXX XXXX  and the Federal Trade Commission. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One opened two account 's in my name without my permission using a stolen email address XXXX, It is believed that these two credit card account 's were opened on or around the same time. I am not certain of the date of account opening as I NEVER received a card from this company. I never got a call to verify that I applied for this card, and My Stolen Identification was used to open said account. Capital one confirmed the one account was fraudulent and opened due to Identity theft, however the higher balance account Capital One is purposely trying to state this is my credit card, I never applied for this account. My only email address is a Gmail address, Capital One REPORTED A FRAUDULENT ADDRESS To go along with the account. I do not have any account 's with Capital One, I do not authorize any charges on the said account 's. I have never applied, nor received any credit cards from Capital One. Regardless. I am not responsible for account 's they allowed to be open using stolen identification, Especially with Extended Fraud alerts on my credit files, and Capital one yet still is attempting to report an XXXX XXXX Address on my Credit File which I will continue to dispute as not authorized. The account ending in XXXX I was just sent a letter for as of yesterday and all the letter says is account ending XXXX We have deemed this to be your responsibility due to the activity on the account. It states - Activity on the account indicates you opened and interacted with this account. The FRAUDULENT charges totaling {$2100.00} will appear on " Your next billing statement '' Mind you I have never received any statement 's from this company either. Again I do not accept responsibility for this account. No activity is my activity. I did not open this account, I did not receive this card, and I do not accept responsibility for Fraudulent Charges. Your inquiry has been blocked off my credit file, and I will continue to report this to the FTC and Identity Theft Resources. I am not accepting responsibility. I want this account removed from my credit file. I did not apply for this account, and I did not receive any cards for this account. The email address, and Address you have listed on these accounts ARE FRAUDULENT. Not authorize, Not accepted. I did not apply, and I did not use this card. I never received any cards from your institution and I want it off my credit file. FTC Identity Theft Affidavit is attached and this has been sent to the Credit Bureaus and to the police. I will make sure I continue to dispute this account, I want Capital One to Cease and Decist. I am not Agreeing to any debt I do not own.
Consumer complaint received 2023-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

I do not have debt. I have paid all my bills. The debt that FCO ( Fair Collection & Outsourcing ) is trying to collect is fraudulent. I have paid all my rent and moved out of apartment with all bills paid.
Consumer complaint received 2020-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (TX)

I have never had service with this company yet they are reporting on my credit report A balance owed. I reached out to this company by letter and have yet to recieve A response. I have XXXX and have never had XXXX XXXX XXXX services at my home residence nor have I had any sevrices with XXXX XXXX  XXXX Additionally I have not been living at the address listed on the credit report that they have reported.
Consumer complaint received 2017-05-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (AZ)

On XXXX XXXX, 2017, I was told by the Best Buy store in XXXX XXXX, Arizona, that if I opened a Best Buy Credit Card I would receive reward vouchers for 10 % of the purchase 16 days after I paid off the balance. The reward amount was {$90.00}. I paid the balance on XX/XX/XXXX. On XX/XX/XXXX, I wanted to make a purchase, but was told in the store that the last voucher, for {$45.00} was not available. I called the help line XX/XX/XXXX and was told it would be available on XX/XX/XXXX, but on XX/XX/XXXX, having gone to the store again, it was not available. So I called XXXX again and was told the voucher would not be available until XX/XX/XXXX because of a computer problem ( in point of fact it was not available until XX/XX/XXXX. ) During the phone call on XX/XX/XXXX, when I pointed out that I had entered a contract with Best Buy with the understanding that I would be given {$90.00} by a certain date, the Reward Department acknowledged the discrepancy and transferred me to the Refund Department. A person called XXXX told me I would be given a {$99.00} reward to compensate me for my trouble. I was given the transaction number # XXXX On XXXX XXXX, 2017, I checked my balance, and there was no refund for {$99.00}. I again called XXXX. XXXX in the refund department acknowledged the existence of the transaction number regarding the purported refund, but said that his department could not provide a refund for in-store purchases. After a total of an hour and a half, on the phone, I spoke with XXXX, a supervisor, who told me that if I take the receipt back to the store, the transaction could be processed again, and I would receive the amount of the reward vouchers. This was not true. Throughout this entire problem, customer service kept insisting that it was the local store 's error. I was never given false or misleading information from the store, only from the customer service connected to the credit card. On XXXX XXXX, 2017, when I went to the store, the store manager lowered the price of the item so that I would be credited {$90.00}. In other words, the customer service department associated with the credit card made the local store pay for it 's false advertising and false promises. I believe Best Buy lured me into purchases twice with the promise of being able to provide me with rewards, first on XX/XX/XXXX, when I was told I would have vouchers, and then on XX/XX/XXXX, when I was offered a refund in lieu of those vouchers. My concern is that other consumers are being lured into making purchases at Best Buy with a confusing rewards program and a customer service department that can not adequately provide consumers with information or solutions. The store personnel and the customer service representatives are put on the front lines of bad corporate policies that make them the fall-guys when someone notices a discrepancy between the promised benefits and actual transactions.
Consumer complaint received 2021-03-28
Product: Vehicle loan or lease — Loan
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 (CA)

My fiance and I purchased a XXXX XXXX in XX/XX/XXXX. We acquired a loan of roughly {$12000.00} from KIA Motors Finance with the term of 36 months. There is no pre-payment penalty. 

We have made every loan payment on time, and paid off the entire loan in XX/XX/XXXX. The account has been closed in XX/XX/XXXX. However, our lienholder KIA Motors Finance would not release the vehicle title. When we registered our vehicle at the DMV, it still shows KIA Motors Finance as a lienholder. It is almost 6 months after I have paid off my auto loan but our lienholder is reluctant to release the title. 

I have been repeatedly contacting KIA Motors Finance to solve this issue. I made phone calls in XXXX, XXXX and XXXX to their customer service department. I have also wrote multiple emails to their customer service in XXXX. Every time the representative verified my account is fully paid off, I am " all good to go '' and they are " working '' to release my title. However, no one will disclose to me why it is taking so long and when will my title be released. It is almost 6 months and they are still " in progress '' of releasing my title. This is completely unacceptable for a lienholder in the state of California. Lienholder need to release the title within 10 days of the account being paid in full. 

I need to move and I desperately need to sell my vehicle. But I can not because KIA Motors Finance is illegally withholding the title of a property that I have fully paid-off half a year ago. I am suffering huge financial loss of parking/not being able to sell my vehicle while I am away. Till this very day, no one from KIA Motors Financial is willing to let me know what is going on or when can I get my title.
Consumer complaint received 2016-11-01
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Acceptance Solutions Group, INC (WI)

The lender keeps calling me at work-Has now put my job in jeopardy- Has sent them 3 letters asking them to Stop calling me at work. I have contacted a lawyer also at this time. They called again twice today XXXX/XXXX/16. They have my personal phone number if they need to reach me
Consumer complaint received 2022-06-17
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: Experian Information Solutions Inc. (GA)

I've asked for proof of the alleged debt, specifically the alleged original application bearing my signature : they have not been able to provide such proof to me. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by evidence. 15 U.S.C 1681 have not supplied proof under the doctrine of estoppel by silence Engelhardt v Gravens ( Mo ) 281 Sw 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.

You have 5 business days to remove the said account XXXX XXXX I have no account number for reference.
Consumer complaint received 2022-06-17
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. (GA)

I've asked for proof of the alleged debt, specifically the alleged original application bearing my signature : they have not been able to provide such proof to me. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by evidence. 15 U.S.C 1681 have not supplied proof under the doctrine of estoppel by silence Engelhardt v Gravens ( Mo ) 281 Sw 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

You have 5 business days to remove the said account XXXX XXXX I have no account number for reference.