davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-08
Product: Credit card — 
Issue: Transaction issue — 
Company: TD BANK US HOLDING COMPANY (FL)

Purchased a piece of furniture on target.com that stated it was in stock and able to be delivered with in a XXXX weeks to my door. Paid with my target red card credit card. The wrong king size bed was delivered. When the XXXX call to target.com was placed the resolution was that the correct item has been expedited to deliver the correct item and remove the incorrect item from my home. After waiting for XXXX weeks we had not heard from XXXX, Target 's third party distributer, so a call was placed. We were told that no order has been received from target.com to exchange these items. After checking the website, the correct bed had been placed on back order. No call from target.com about this issue. The back order date was only XXXX weeks away, so I said okay, I 'll wait. XXXX weeks later I called XXXX and received the same news that target.com never placed an order with them to exchange the wrong item. Looked on the website and the correct bed was placed on back order again, but this time for XXXX more weeks. Going on XXXX weeks of having XXXX large boxes of this wrong king size bed in my tiny living room, I decided that I wanted to cancel the order and have the wrong item picked up and a refund issued. The bed sat in my living room for almost XXXX months and when it was finally picked up for a return it was then delivered back to me because target sent USPS to get the bed and not XXXX their distributer. ( What the? ) waited another week for XXXX to finally get this bed out of the house. Purchase placed in XXXX. Bed delivered back to target middle of XXXX. Target.com says that a refund was issued to my red card on the XXXX of XXXX. It 's XXXX XXXX, and we are still fighting to get this " refund '' stated by target.com to apply to my target red card. Since XXXX I 've paid interest on an item that target.com did not have in stock even though it stated that it was in stock. I 'm afraid to even ask for the interest charges to be refunded on an item that they never had available for purchase. This should be illegal. It should be illegal to charge interest on an item sold that the seller never had in their possession. They lied about it on their website. After two more hours of phone calls today and reaching dead ends with XXXX more people I have to file a complaint. I need help recovering money that is owed back to my target red card. The moment that I receive the refund my red card will be closed. I will shop elsewhere. It 's disappointing and disturbing that a store and that store 's credit card can not communicate and make things right for their consumer.
Consumer complaint received 2015-05-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: First Advantage LNS Inc. (FL)

On XX/XX/2015, my husband and I received a Notice To Impose Claim in the amount XXXX and took the deposit of XXXX for a final water bill of {$100.00}, carpet replacement XXXX, XXXX trash removal of XXXX couches left outside of apartment, XXXX steam clean title, XXXX Rent credit for a balance due of {$1300.00}. We were told in the notice if objected with the balance to write them in writing within XXXX days. I responded to their charges informing them in writing that we did not agree with certain charges such as the removal of the sofa, steam cleaning the tile and replacing the carpet and to use the surety bond to pay for the water bill which was explained to me as my deposit they can claim against if need be after moving. We never received there response and instead received a letter to pay the amount of XXXX and a separate debt collection of XXXX dollars for the surety bond. I called and spoke to a rude and non sympathetic woman by the name of XXXX XXXX in regards of this matter and explained to her the same information back in XXXX in regards to the amount of XXXX. She refused to hear what the issue was and stated we should have scheduled a walk through upon moving out the apartment. I explained to the woman that per the lease we were entitled to the walk through but was denied a walk through the day my husband came into the office to report someone had placed couches outside our building and did not want to be accused they belonged to us. I called this morning about the debt in the amount of XXXX and the same debt collector in regards to the XXXX because it has been reported to my credit report without any consideration of what I disputed. I do n't believe its fair to make someone pay for something they are not responsible for and without any evidence showing that we were responsible to replace their carpet or pay for removing items that did not belong to us especially without evidence. I lived in that community over 4 years and they have never provided a walk through for any tenant who lives there before moving out. I feel like they have taken advantage of us and now is out to ruin my credit. XXXX XXXX even went as far as saying to me this morning to say if you are not calling NCAC to pay this debt then there is no further discussion, this debt will just remain on your credit report for 7 years. I ffeel like the property management company XXXX XXXX managment did not have adequate information to or legally charge us with a debt without verification and validation as they are suppose to provide. It is unfair and unjust for any company to abuse their power to gain money by reporting debt that has not been legitimately verified. I 'm sure we are not the only ones that have been treated this way.
Consumer complaint received 2015-07-30
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Firstsource Business Process Services, LLC (FL)

There is an account on my credit file with XXXX and reporting negatively by First Source Adv with a account number # XXXX. I have not had a loan in connection with this school. In XXXX I contacted the school ; the FTC # XXXX ; Credit bureaus to dispute this account who refuse to supply me with the information I require for validation of this account such as promissory notes ; contracts and agreements and all other documents pertaining to the opening of this loan
Consumer complaint received 2015-11-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

Experian continues to report these XXXX XXXX XXXX accounts incorrectly, despite numerous disputes. Experian claims to not have my documentation, which is a lie, because I have sent this documentation to them multiple times via certified usps mail, with a receipt showing delivery. Experian is claiming they will not reinvestigate without documentation, but refuses to acknowledge that I have repeatedly sent them the correct documents to support my dispute. Experian has locked me out of my online report, as well as the ability to upload documents online- claiming they can not give me a reason why but everything must be mailed. They will only receive written communication from me at this point, and are refusing to correctly process my dispute with what I have been sending them. 

These XXXX XXXX XXXX accounts began reporting on my file as XXXX XXXX. These XXXX accounts were transferred within XXXX XXXX to another department and re-reported as XXXX XXXX. They were transferred with a positive status. These XXXX loans were then forgiven and discharged. They should be reporting as " paid in full, and closed '' with a positive status. I have been in contact with XXXX XXXX several times regarding this, and they claim they are not the ones reporting the incorrect information to Experian. 
Considering XXXX is reporting these XXXX loans correctly, I tend to believe what XXXX XXXX is claiming is true. Especially considering Experian has admitted to me that they sometimes receive reported information from a XXXX party vendor, and it may not always be accurate. XXXX XXXX was more than happy to provide documentation to me to share with Experian, and has told me they continue to report the account correctly to all bureaus. 

Dispute with documentation was sent to Experian yet again on XXXX/XXXX/2015, which they deny ever receiving. I have attached all pertinent documents.
Consumer complaint received 2015-10-12
Product: Payday loan — 
Issue: Can't contact lender — 
Company: MNE Services, Inc (FL)

On XXXX/XXXX/15 I received an email from a XXXX XXXX. Case XXXX Amount Due XXXX Loan Company USA Fast Cash. They claim they are going to prosecute me within couple of days. The email stated the XXXX XXXX XXXX XXXX has stated XXXX serious allegations against me. The telephonenumber to call is XXXX. I have never borrowed money from USA Fast Cash.
Consumer complaint received 2015-05-07
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

Bank of America has charged me late fees for several months even though I had signed up for electronic payments which were set as minimum payment by the account manager. Months went by before I was contacted regarding late fees since the minimum balance was not being taken out. I decided to pay off the account which I did before the payment due date and now they are charging me a {$37.00} interest fee, this on top of all the late fees they have erroneously collected from me due to their mistake.
Consumer complaint received 2015-05-07
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: DISCOVER BANK (TX)

DISCOVER PERSONAL LOANS IS ADVERTISING AN INTEREST RATE AS LOW AS 6.99 %. I HAVE A CREDIT SCORE OF XXXX WITH GREAT INCOME AND LOW RATIOS. THE BEST RATE THEY COULD OFFER ME WAS 8.99 % WITH AUTOMATIC DRAFTS. IT IS MY BELIEF THAT NO ONE QUALIFIES FOR THE 6.99 % AND THAT THIS IS FALSE ADVERTISING. THE CSR ASK ME WHAT MY CURRENT RATES ARE ON MY CREDIT CARDS THAT I WANTED TO CONSOLIDATED. THIS SEEMS LIKE A WEIRD QUESTION UNLESS YOU ARE TRYING TO JUST BEAT THOSE RATES. I 'VE BEEN IN THE XXXX FOR 21 YEARS SO I KNOW AN A+ BORROWER.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 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 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 2015-05-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (WA)

I sold my home which had an FHA loan and Wells Fargo was paid in full on XXXX XXXX. However, they charged me interest for the entire month of XXXX which was {$710.00}. They should have only charged me interest for XXXX XXXX. According to the rule below, they should NOT have charged me interest after the loan was paid in full. They are telling me that the rule only applies for loans that were originated on or after XXXX XXXX, 2015. Nowhere in the rule does it say that. It only says the rule is in effective on that date. 
DEPARTMENT OF HOUSING ANDURBAN DEVELOPMENT24 CFR Part 203 [ Docket No. XXXX ] RIN XXXX Housing Administration ( FHA ) : Handling Prepayments : EliminatingPost-Payment Interest Charges
Consumer complaint received 2015-05-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

There is an account that is reporting on my credit report. The account is XXXX XXXX. I have disputed this account several times because this account is not mine. I have called XXXX XXXX and requested in writing a copy of my original account and did not receive it. I spoke with XXXX Account Manager, XXXX XXXX and he admitted on a recorded call ( the call took place between XXXX on XXXX XXXX, 2015 ) that they did not have any paperwork regarding my original account and they could not provide it to me. 
If I was able to find out this information by a phone call, the credit bureaus should have been able to retrieve this information and take the appropriate steps to remove this account ( which shows a duplicate ) from my credit report. They did not and did not thoroughly investigate, when they held themselves that they did.
Consumer complaint received 2015-10-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (AZ)

I had a mortgage with US Bank and was advised in the beginning to open a bank account to get a lower rate. The mortgage was refinanced and I was not aware that the bank account would incur fees in the amount of {$25.00} at that point. I called to explain the misunderstanding and requested a credit which was agreed to. However, US bank took months to resolve so the balance went unpaid. In fact, I never made any payment towards those fees ( which grew to {$75.00} in late charges ) because they agreed to waive them. Eventualky, the fees were credited and I assumed that their agreement to cancel the fees meant a full resolution had been reached. However, the process after they agreed to waive the fees took months. I called us bank month after month because the fee they promised to reverse was still on my statement. Each conversation a US Bank rep promised to have a " manager '' take care of it. I did n't know that their incompetence was adversely effecting my credit. Once it showed up on my credit report, I requested a dispute through the credit bureaus as directed by US Bank since they would not provide any other assistance. I was told by us bank that there was nothing they could do. The results of the dispute merely updated the length of outstanding fees. I had a number of mortgages with us bank over the years and they were paid thousands of dollars in interest. I find it descipable a hidden fee of {$25.00} that they agreed to waive would negatively effect my credit after numerous phone calls dealing with their own incompetence. In addition, the results of the credit bureau dispute should have been a full deletion given the facts. This may be the result of laziness or biased treatment but I will continue to pursue the only acceptable resolution of full deletion from my credit report.
Consumer complaint received 2015-11-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

Santander Bank N.A. is reporting to the XXXX major credit bureaus an account that is not mine. It may very well be an account that was upon fraudulently, as I have been a victim of identity theft. I have submitted online disputes to the XXXX major credit bureaus. XXXX completed its dispute stating that the creditor has updated the status showing that the account belongs to me. The dispute is still pending XXXX. I have been therefore informed to contact the creditor directly. When I did, I spoke to a XXXX or XXXX at XXXX XXXX XXXX XXXX. I was then informed that I needed to contact their Fraud Prevention and Security area at ( XXXX XXXX XXXX. I have contacted the Fraud Prevention and Security area, and was informed that someone will be calling me back. I have not received a returned call to this date. The account was updated without Santander providing any proof that the account is actually mine, and with no further explanation, and with no returned phone call to go over the issues with me. Also, if I recall correctly, XXXX of the representatives mentioned an another address associated with this account that was not connected to me. Further, since I know nothing about this account, I 'm not sure exactly what type of account it is ( e.g. banking or credit card ).
Consumer complaint received 2015-06-09
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Financial Credit Service, Inc. (IL)

I received several calls yesterday from XXXX XXXX at ARA. Phone number XXXX. Case number XXXX XXXX. She left a message on my cell phone and repeatedly called my work number. I can not take personal calls on company time. It is not allowed. When I called this morning, she would not give me information regarding this debt. She said it was going to litigation and I was going to be served legal papers. She said she was a Process Server for the county ... but did not mention which county. The little bit of information I did receive was vague. She mentioned a bank account which I have not had for several years. She also mentioned a hospital bill and a towing bill, all of which have been paid. She said she mailed documentation to me and the 30 days in which I had to respond are over. I asked her to send me the information to me again and she said she could n't. The only thing I could do today was pay {$710.00} to cease and desist. I would n't give her any banking information. She suggested I get a pre-paid credit card to pay the amount. I called back and spoke with XXXX and told her I did n't receive any information and was disputing the debt. They would not work with me at all. I either paid {$710.00} TODAY or I would be called into court. They are supposed to be sending information to me in the next week to 10 days and I have to be home to receive a summons.
Consumer complaint received 2015-05-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Recovery Management (TX)

I was XXXX, and was referred to XXXX. I informed the Physician, and every Assistant I did not want the treatment and did not feel I needed it. I was told by the XXXX and Assistants they wanted to fit me for their equipment if I decided to change my mind. I got absolutely got no service from this company. They are effecting my livelihood by reporting negative incorrect information.
Consumer complaint received 2015-05-08
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have a FHA insured mortgage. XXXX was the loan originator for my home loan. BANK OF AMERICA became the servicer. In XX/XX/XXXX I requested a loan modification thru BOA, on behalf of a conselling reguest from 'XXXX and XXXX '. The forms were submitted and I alsoprovided sworn affidavits to the need. My income sourec is XXXX due to my XXXX. My XXXX was present since XX/XX/XXXX and the originators created and approved my loan based on my XXXX income. BOA serviced my loan with the knowledge as well. My income is indigent and my expenses with cost of living exceed the unearned SSA. I requested the modification based on that. BOA is refusing to follow FHA/HUD guidelines. MYy credit reflects poorly as a result. they have failed to apply the payments in the proper sequence according to FHA secretary rules where escrow, insurance and taxes are paid. my credit reports absent payments which is not true. I have been consistent with monthly payments. My credit should report and state partial payments made monthly. The BOA agentsd have also failed to take in consideration the ratio determination to my income vs expense which is also an FHA rule. IL laws also protect the homeowner with rules and BOA is failing to abide by the terms. BOA is also counting foodstamps as gross income. when it is NOT. BOA has inflated my gross income by {$400.00}. to suit their need. And I have objected since I DO NIOT HAVE ANOTHER SOURCE OFINCOME. nor do I receive tax or any other maintenance. My food stamp amount is {$140.00}. and is based on my housing expense. The grossed up inflated income then mis calculates the monthly payment that I can afford. the FHA ratio for special circumstatnces of mortgage allows 31 % of gross income to be calculated for the mortgage payment. BOA is measuring my gross and payment with inflated terms and methods which cause an improper amount to be listed in a calculation and of course unaffordable to me. I have been trying to seek resolution for this matter for XXXX months. I ca n't be dis honest. BOA spends more money on overnight XXXX postage to me then the inflated true amount which could have served to resolve my crisis. I need this investigated. BOA has been sued due to illegal loan practices in XXXX IL for discrimination. I know I am a victim. My civil and human rights are threatened and this is causing me un necessary trauma. I am XXXX XXXX XXXX. I can not contemplate moving with bad ruined credit and inability to afford when BOA is violating my life and home.
Consumer complaint received 2015-05-06
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (FL)

Dear Madam or Sir, this is a complaint in regard to the XXXX companies providing credit reports/scores. 

www.annualcreditreport.comStatement says right under website headline : " The only source for your free credit reports. Authorized by Federal Law. " Complaint 1 in regard to advertising on the website : Annual Credit Report is not the only source for a free credit report. Instead and like other companies, they provide the free credit report BUT charge the consumer additional money to see their credit score. There is no difference in regard to other companies providing this service. 
Complaint 2 : Annual Credit Report claims to be authorized by Federal Law. There is no signed authorization by Federal Law that those XXXX companies can stand behind annualcreditreport.com as a monopoly. In addition, the foregoing and behavior is very much consumer unfriendly. 
Complaint 3 : the credit report companies disclose different credit scores to consumers working with annualcreditreport.com than to lenders ( for example banks ), without notable or reasonable explanation to consumers. Usually the credit scores provides to lenders are lower than credit scores provided to consumers. Just to give you an example on how consumers feel in regard to the differences between consumer credit reports and credit reports disclosed to lenders ( feel free to check out the comments when scrolling down ) : XXXX comment-XXXXAll the Best, XXXX XXXXPS : not sure if the above short notes make any impact, but I think that I am not the only one who thinks that there is something MAJORLY wrong and needs adjustment on FEDERAL BASIS. Worth fighting for. 
Desired : - no credit score monopoly- absolutely NO credit score differences between credit scores information disclosed to and paid for by consumers, and credit scores disclosed to lenders.