davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (OK)

On XXXX, I received an unsolicited U.S. Bank ReliaCard in the mail. The card contained my name and used a former address ( same location but new XXXX address change ). I contacted the Oklahoma Employment Commission who advised an unemployment claim had not been filed in Oklahoma but directed me to contact Colorado. Virtual directions were provided as to how to proceed with reporting and hopefully deactivating the card. A fraud alert has been filed with the credit bureaus, a fraudulent unemployment claim report was filed Colorado, Identity Theft Report was filed with the Federal Trade Commission and fraud report was filed with issuing agent U.S. Bank ReliaCard as US Bank was unable to be reached by telephone. An email was sent to XXXX to address deactivation ( per form instructions ) and prevent the individual/s who filed the fraudulent claim from requesting a lost or replacement card using my information. Thank you for your attention to this matter.
Consumer complaint received 2018-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP (AZ)

I had a checking account with US Bank. In XX/XX/XXXX there was fraud on the account for which we filed a police report. In late XX/XX/XXXX we went into the XXXX, AZ branch to notify them that fraud had occurred on the account. No action was taken at that point by US Bank. Since the no action was taken, the account remained open and an automatic draft went through placing the account in a negative balance for a few dollars. The amount of the reported fraud was more than the amount the account went negative. If the fraud had been processed the account would never have gone negative. Because of the negative balance, US Bank added 6 overdraft fees ( NSF ) for a total of {$220.00}.

In mid XX/XX/XXXX I receive a letter from US Bank stating the account was in negative balance. The same day I received the letter I went to my local US Bank branch to get this cleared up and provided them with a copy of the police report. I was told by the banker i spoke with that they would begin working on resolving it and that I would be contacted with further steps. I specifically asked the banker to confirm this would not be placed in collections until I was contacted.

I did not hear back from US Bank until early XX/XX/XXXX when I received a letter stating the account was now in collections. At that point I have gone to my local branch to get this resolved but keep being run around in circles. I submitted a fraud claim with was denied without notification to me. I contacted US Bank again and the claim has been re-initiated, but I do not have confidence any action will be taken.

I have asked repeatedly that this be taken out of collections given the previously explained information with no action from US Bank.
Consumer complaint received 2021-01-20
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2021-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion is reporting a late payment on my credit report from XXXX of 2020 which is not accurate. The credit card company is XXXX.
Consumer complaint received 2021-01-05
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: JPMORGAN CHASE & CO. (NY)

I have an account with Chase Credit Cards. On XX/XX/2020 I received a CC statement with a " New Balance '' of {$6200.00}. I paid this balance in full on XX/XX/2020, {$6200.00}. On the statement I did not owe Chase any additional funds. However, my account accrued prorated daily interest onXX/XX/XXXX-XX/XX/XXXX2020, in the amount of {$7.00}. I have paid off balances to other credit lenders in the past and never accrued additional interest between billing cycles if the account was paid in full, and therefore did not continue to monitor this account. I am signed up for paperless billing, and Chase did send me an email, which I later realized. However, as an XXXX XXXX XXXX during XXXX, I was working extra shifts at my XXXX, and due to the high stress nature of this pandemic, I was not checking personal email as frequently. This led to my account becoming 30 days past due and deliquent for an unpaid balance of {$7.00} in XXXX and was reported as such in XXXX as well. My credit score went from a XXXX to a XXXX. When I spoke to Chase in XXXX they reversed the charges as " interest charge reversal '' claiming they agreed it was unreasonable and told me to file a dispute with the credit bureaus. I did this. Because Chase is claiming there was no banking error they will not change the delinquency reporting. Because Chase will not change the delinquency reporting, the credit agencies will not change the delinquency on my account either even though now it says I owed {$0.00}. However, if chase reversed the charges of interest accrued to my account after the account was paid in full, then {$7.00} was never late because it was never owed. I have never been late or deliquent on any account with any company and my credit score has always reflected this.
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY (VA)

Month after month when I make my payment which is on XXXX the XXXX of each month it takes XXXXt more than 10 days once it took them 27 days yo update my payment reflecting online and balance this is beyond ridiculous they come up with more excuses than enough here it is they drafted the payment out of my account XX/XX/XXXX and its now XX/XX/XXXX and they havent updated my balances paid on time but are quick to report Ive used most my limit when in fact they just refuse to their jobs and post payments this has been going on XX/XX/XXXX and frankly Im tired of emailing and calling every month they claim I can call with my bank on the line yo confirm funds have cleared its been two weeks they are very aware they received the payment if I could close the card without affecting my credit severely I would its unfair practices to the consumer its no where in their terms and conditions that they can process and update payments at their leisure again last month it took them almost 30 days until I called and complained
Consumer complaint received 2021-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (WI)

Hello, During the call with CSR on XX/XX/2020, I received the promotional offer that awarded {$95.00} statement credit and XXXX Thank You points after spending {$1000.00} per month for 3 months. I completed the terms of the offer but have not received the bonus. 

I called the customer service again to inquire why I have not received the bonus and was told that due to their system processing the offer the qualification " month '' started on the XXXX of the month. It turned out, my monthly spend in the " month '' of XXXX was {$960.00} XXXX {$35.00} short of {$1000.00} required ) because I made {$310.00} in purchases on XX/XX/XXXX that were counted for the previous qualification " month ''. 

I was never told during the initial call on XX/XX/XXXX that the qualification month actually starts on the XXXX day of the month, not the day of offer acceptance. I was never send the offer terms in writing with the specific qualification requirement spelled out. There was no way to confirm the terms of the offer ( or check the progress ) in my online banking account. I believe this is done by design to confuse and disqualify customers for the bonus. 

Therefore, I believe Citibank practices related to this offer are an example of clear misrepresentation of the offer terms and request that my account be credited {$95.00} per offer that I orally accepted during the XX/XX/2020 phone call with Citi customer service.
Consumer complaint received 2021-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Total Card, Inc. (CT)

I closed my card on or about XX/XX/XXXX. At the time I closed the account I had a credit of {$280.00} and was told the credit would be issued within 30 days. On or about XX/XX/XXXX I reviewed the monthly statement and saw the credit reflected in the balance. I called the help line and was told that there were still two days remaining in the thirty days from when I had closed the card. On XX/XX/XXXX I called again after checking my account online and seeing the credit still reflected. I was told that a a request had not been made to send the refund check. I formally requested the credit at that point. I also requested to speak with a supervisor to ask that the request be expedited. I was told these requests take 30 days. I called again on XX/XX/XXXX. And spoke with a representative named XXXX who saw that the request had been submitted on XX/XX/XXXX but had not been expedited. She claims to have submitted another request and requested that it be expedited. I feel this company is stringing me along. If I owed them nearly XXXX dollars I am sure they would not be so complacent.
Consumer complaint received 2021-01-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

My dispute is with XXXX XXXX XXXX ( XXXX Visa Credit Card ) and Trans Union credit reporting. It started with an honest mistake with XXXX XXXX XXXX and one I owned up to, which totaled less than {$100.00}. It negated 20 years of great credit in one action made by Trans Union credit reporting agency. When I went to the Trans Union website to see my credit report there is little or no information. The whole website is set up to avoid personal contact and to get you to purchase additional information at a cost. By their actions my line of credit with XXXX XXXX XXXX went from {$5000.00} to {$500.00}. In my entire life ( I am XXXX yrs. old ) and 37 years in XXXX XXXX never been treated so poorly. As an XXXX I always strived to have any action I take be appropriate and consistent. I have never missed a mortgage payment since buying my first home in XXXX, WA. I have never missed an auto payment in my entire life. I have no credit card debit. I own my home outright. My truck is paid off. I am debt free. How XXXX XXXX XXXX and Trans Union came to the conclusion that I was a risk given my history is a question I would like answered. When I said I owned up to my initial mistake, here is what happened. I always pay my credit card off and try and maintain a XXXX balance. As a result I never saw a need to sign up for email alerts or notices and my card. Me and my wife purchased a XXXX during the start of COVID and she placed the monthly membership on the same card as we used to purchase the stationary bike. I immediately paid the bike off and was not aware the membership was going to go to that card. As a result 2 payments went by unnoticed. I was finally made aware or contacted about the issue and I immediately paid the 2 months and brought the balance of the card back to {$0.00}. Apparently XXXX XXXX XXXX lets Trans Union handle these issues and I have shared what their website and lack of communication looks like. I take pride in paying my bills and not owing anything. I cant tell you have this has impacted me and what I stand for. In my letter from XXXX XXXX XXXX denying my latest request for a higher credit line it paints me like I have a history of delinquency and multiple problems. I challenge XXXX XXXX XXXX and Trans Union to indicate to me what other issues they have that would lead to the decision that was made. I hope that your agency can lead to some sort of fair resolution and open communication. I am eager to hear back from you. XXXX XXXX.
Consumer complaint received 2021-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

THIS IS THE 4TH TIME I HAVE HAD TO COMPLIAN ABOUT SEVERAL ISSUES. MY NAME IS XXXX XXXX XXXX SS XXXX DOB XXXX PLEASE REMOVE/DELETE ANY OTHER VARIATIONS OF MY NAME ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. THERE ARE SEVERAL SOCIAL SECURITY NUMBER ON MY CREDIT FILE THAT I HAVE REQUESTED TO BE DELETED, PLEASE REMOVE DELETE THE FOLLOW SS NUMBERS : SS XXXX, XXXX, XXXX, XXXX PLEASE REMOVE THE FOLLOWING FRAUDULENT ACCOUNTS : PREFERRED LEASE XXXX XXXX XXXX, XXXX XXXX XXXX  # XXXX. THE IS THE LAST TIME I AM FILING A COMPLAINT MY INTENT NEXT IS TO FILE A LAW SUIT.
Consumer complaint received 2021-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX XXXX XXXX XXXX XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 

I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items has been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

Please delete the address and multiple name spelling XXXX XXXX XXXX XXXX XXXX Texas I never lived there
Consumer complaint received 2021-01-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

The first notice I recall receiving from XXXX XXXX XXXX dated XX/XX/XXXX. It notified me that Capital One retained them to collect a debt. Capital One did not notify me that my payments stopped going through. There was adequate money in the account. I had no idea until this XX/XX/XXXX letter. XXXX XXXX XXXX had me served with a summons on XX/XX/XXXX. I set up a payment arrangement with them prior to this. Capital One never called me or reached out. I would like to be able to just pay {$100.00} every two weeks and have the suit dismissed. I have been temporarily living at a different address since XX/XX/XXXX because my apartment building has communal bathrooms and is a covid risk. Letters must have been returned to sender to Capital One. They never attempted to locate my new address or call.. I had no idea I was behind on payments.
Consumer complaint received 2021-01-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

In connection with my application to refinance an existing mortgage, Quicken Loans required my wife and I to complete an outdated and superseded version of IRS Form 4506-T, Request for Transcript of Tax Return. The version we were required to E-Sign on Quicken 's website, or download from the website, complete and return, is dated XX/XX/XXXX. That version of the Form includes in line 5a the name and address of a third party to which the tax return is to be mailed, XXXX, an agent of Quicken Loans. 

The current version of Form 4506-T is dated XX/XX/XXXX. It does not include line 5a or any line for entry of the name and address of a third party recipient. By way of explanation, the current Form includes the following note : " Effective XX/XX/XXXX, the IRS will mail tax transcript requests only to your [ i.e., the requesting taxpayer 's ] address of record. '' This change is further explained in the following note on page 2 of the Form : " What's New. As part of its ongoing efforts to protect taxpayer data, the Internal Revenue Service announced that in XX/XX/XXXX, it will stop all third-party mailings of requested transcripts. After this date masked Tax Transcripts will only be mailed to the taxpayer 's address of record. '' I asked Quicken in writing several times why it continues to use a superseded form. I finally received an answer by email on XX/XX/XXXX. The answer states in pertinent part that the outdated version of Form 4506-T " ... is the form we normally send to the IRS to request tax transcripts. We have not received any push back from them. If there are any issues with the form the IRS would certainly not provide the requested information. '' Quicken Loans should not be permitted to use a superseded IRS Form 4506-T in an attempt to circumvent IRS policy, which expressly prohibits the mailing of consumer tax returns to third parties. Moreover, if it does so, the IRS should not violate or ignore its own stated policies by mailing consumer tax returns to Quicken Loans or its agents. 

To be clear, I have no objection supplying Quicken Loans with a copy of my tax returns. Indeed, I have done so. My objection strictly pertains to Quicken Loans ' use of a superseded form to circumvent IRS rules and policies.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I was looking over my report today and I noticed some inquiries that I am not aware of as you know reporting inaccurate information on my report is against the FCRA and I asked that it be removed immediately Im trying to do my best with taking care of my kids but its getting harder now because of this. 

Inquires : XXXX XX/XX/XXXX Transunion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TransUnion
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I had a credit card account with XXXX until XX/XX/2020. I called the credit card company " XXXX  '' to cancel my account because they charge me annual fees which I paid up till that point XXXX. they sent me a letter acknowledging the cancellation request. 
I cut the card up as directed I never used the card again, Then in XXXX, they charged me the annual fees again even though the account was canceled already. I called their attention to it and I was then assured that all will be taken care of. Then in XXXX, they charged me another annual fee installment with a late fee. 
Then they went ahead and put all these late fees and 30 days late on my account with the credit bureaus I called their attention to it they corrected the account on their own and I have been calling them to correct the credit reporting since it was their error. 
This reporting has had a negative impact on my credit and records Will like XXXX  to correct my records without delay with the three credit reporting agencies. 
.
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have hired lexington law to dispute inaccurate information, however Transunion, XXXX and XXXX are still disclosing information that are closed on my report and inaccurate and have been paid over 10 years.