davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX I made a call to the department disputes Trasunion, reported me with a supervisor, because customer service, had no access to the document which had sent them XX/XX/XXXX as evidence a dispute against XXXX XXXX XXXX XXXX, the supervisor tells me that actually signed by XXXX XXXX department ( Complience Division ) XXXX clearly said they had targeted after an internal investigation, remove the account from my credit report, but immediately said he could not it, just if you could send another letter the same, but with more recent date, which is totally absurd since the account is the same, I said that if XXXX sending this document, even by registered mail, was because he had granted special treatment to the case, even it insisted that it should be a recent document, is not possible that a letter which refers to one account it can not be removed, when the company which had to make the decision, he did, in the case of XXXX, this document has no expiration date or the aforementioned company I find out about that detail Trasunion is violating the law FCRA Fair Credit Reporting Act USC 1681 reporting information taking into account as evidence of this illegality this letter even signed and certified by the company in question, please must immediately remove this account from my credit report
Consumer complaint received 2016-07-14
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Nelson Cruz & Associates LLC (CA)

A person by the name of XXXX XXXX, contacted my place of business informing the Office Manager that he is filing a complaint against me, but addressed me with my former married name, which I have not used since my divorce became final eight years ago. He informed the Office Manager that he is going to garnish my wages. The Office Manager asked this person from what company was he calling from, and he stated he was calling from Nelson Cruz and Associates. The Office Manager then referred this person to our HR Department. However, I have never heard of this company, nor do I have any outstanding debt or loan. I believe this company obtained enough information about me to scam and fraudulently attempt to collect money from me.
Consumer complaint received 2016-05-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NC)

Re : XXXX Account number : XXXX XXXX regards to this creditor reporting my account 30 days past due. This is very much inaccurate. 
I have spoken with these illegal representative XXXX in regards to maing sure my payments are automatically drafted from my Credit Card. 
and 5x, I have received 5 different responses of yes, no problem, to it is there, to I 'm not sure we can do that, to the last time of, Your card was charged already. 
I can not be more clear when I say this, you CRAs BETTER make sure you get this late mark off of my credit report, or I will be escalating this complaint to the Attorney General against you and XXXX!
Consumer complaint received 2016-01-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (GA)

Equifax has failed to cease reporting the inaccurate information on my report noted below. I have filed numerous disputes, notified the creditors, hired a credit agency to assist me to no avail. 
1. XXXX XXXX XXXX is being reported by Equifax as charged off, this is not my debt. 
2. XXXX XXXX XXXX is being reported by Equifax as charged off, Potentially negative this is not my debt. 
4. Inquiries on my report were unauthorized : Power Pay, XXXX XXXX, XXXX, XXXX
Consumer complaint received 2017-02-15
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: U.S. BANCORP (IN)

US BANK has a collection on my XXXX credit report stating that I owe them. I have communicated to them that this debt belongs to my ex husband and not me. I have never had the vehicle, when I went to divorce court the judge signed that this debt belong to husband. I have also communicated this information with this company. This debt does not belong to me
Consumer complaint received 2015-03-19
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP ()

I was studying in the XXXX last year and opened an account with XXXX bank. My student visa was later rejected after coming back to XXXX, which means I would not be able to go back to the XXXX. To get the funds back, I have been calling XXXX bank for at least 3 times. Each time the phone call lasted for more than 1 hour. They would be just transfering my phone call to different department. After sending the fax and the documentation as they requested, the person from the fraud department claimed that they had never received my fax even though I had had the fax delivery confirmation receipt. When asking him about the process to resolve this matter, he told me that I only could wait and call back if possible. However he could not clarify the expected processing time for this matter.
Consumer complaint received 2015-08-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I applied for a loan to purchase a new vehicle. I was turned down because of my credit score. The bank said I had a score of XXXX from Transunion, XXXX XXXX showed I had a score of XXXX. I called Transunion and they said XXXX was incorrect. So I payed Transunion for my correct score which I received XXXX from Transunion on XXXX/XXXX/15. So with this score I tried to purchase a new vehicle again XXXX weeks later. And Transunion sent XXXX XXXX a score of XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. Needless to say I was denied credit again! So Transunion sent me with a false hope! I 'm sure banks keep this on file! This must give me the right to file a law suite ! Right! Unless their protected by our great Government!!! Why are there XXXX different scoring methods for credit bureaus? Fico, Banks, Consumers, XXXX XXXX. This is not right! There should be XXXX score for everyone. These credit bureaus suck! Maybe there should be a law that before any credit bureau files any information they should have to contact the person FIRST and make sure its accurate.
Consumer complaint received 2016-02-27
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

i was a victim of identity theft, so i put a freeze on my account. due to the identity theft, under california law i can freely do temporary lifts. at equifax and experian i can easily go to their freeze website and use the pin they sent me to temporarily lift the freeze, but at transunion i was forced to setup an account and even then using my pin i 'm charged {$10.00} to temporarily lift the freeze. i 've called to manually lift the freeze, but that is a long process since it is almost impossible to get to someone to speak to and impossible to do on the weekend. i 've asked them various times to fix it and the response i get from customer support ranges from, we ca n't to next time it will work ... it has become so burdensome that i 'm willing to pay the {$10.00} to do the lift.
Consumer complaint received 2016-05-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Hello, I recently disputed a lien on my credit file through the Direct Dispute portal via XXXX XXXX. 
Dispute was filed on XXXX XXXX 2016 and returned on XXXX XXXX 2016. With no investigation completed. This lien has been satisfied XXXX and has been removed from XXXX & XXXX I want this removed from my Transunion credit file asap. 

Thank you, XXXX XXXX
Consumer complaint received 2024-11-11
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

Citibank LL Bean Master Card XXXX  : XXXX XXXX XXXX XXXX Issued to XXXX, XXXX XXXX, exp date XX/XX/XXXX. 

This complaint is against Citibank, the issuers of the LL Bean Master Card. I got the LL Bean master card application/filled out, at the checkout counter, at LL Bean where I have been shopping for over XXXX  years. 

CITI SENDS ME THE CARD THEN DENIED CHARGE SAYING I NEED TO BE VERIFIED. 
It arrived last week, and Sunday, XX/XX/XXXX, I had made XXXX charges at XXXX, then went to pick up, and pay for my dogs grooming, at XXXX. At XXXX, Citibank denied my charge card. I tried it XXXX  times, and it was still denied. I have been going to XXXX, in XXXX, since XXXX, to have my dog groomed. Talk about a red face?? 

I used a different card, to pay for the dogs grooming, XXXX more reliable than Citibank LL Bean Master Card. 

When I got home, yesterday ( Sunday ), I called the XXXX customer service line, XXXX and I asked the agent why my new card had been denied at the register? 

I was told by the agent, I hadnt been verified yet. Hellooooo, earth calling Citibank would the intelligent among us, have verified me, before they even sent me the card???? 

I told the agent, I wanted them to send me a bill for what I owe, and I wanted the credit card cancelled. She responded that I can not CANCEL the card, even if I pay it off ( +- {$1000.00} due at this point, ), until they verify me. 

I called again, this morning ( Monday ), and was told the same thing. 

What I am asking the consumer financial protection bureaus help with. 

XXXX The bank behind this credit card, has the horse in front of the cart you verify a person, before you send a card out! Sending out a card, before verifying a person, is putting the person who owns that name, at financial risk, when Citi doesnt do a thorough job, before sending out credit cards. This sending of cards, to unverified people XXXX, should be a fineable offense. Its flat out, a dangerous policy. 

XXXX told the agent I wanted a final statement sent to me, immediately, which I would pay then I wanted the card cancelled, as its unreliable. The agent said I could not cancel/close the account, until I verified myself, WHAT???? I want the CFPB, to require that Citibank, send me a final statement, asap. I will pay that off. 

XXXX. I want CFPB to require that Citibank, CLOSE that card account, and notify all XXXX credit agencies ( XXXX, XXXX, XXXX ), that the account is closed, At the request of the card holder. 

I can not afford to do business, with a bank ( Citibank ), that is so slip-shod, and unreliable in its processes, that it sends credit cards out, BEFORE THEY HAVE EVEN VERIFIED A PERSON! 

That puts the credit rating, and financial safety, of the real owner of the name at risk when Citi does such a poor job of verification after the fact when whoever has already been issued a card.
Consumer complaint received 2023-02-11
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. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX - Acct # XXXX XXXX Department of Education - Acct # XXXX XXXX  - Acct # XXXX XXXX - Acct # XXXX XXXX XXXXXXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXXXXXX XXXX - Acct # XXXX XXXX  XXXX XXXX - Acct # XXXX XXXX XXXXXXXX XXXX - Acct # XXXX XXXX XXXXXXXX XXXX - Acct # XXXX XXXX XXXXXXXX XXXX - Acct # XXXX XXXX  XXXX - Acct # XXXX and XXXX XXXX  - Acct # XXXX, have violated my rights. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2016-09-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (NY)

XXXX XXXX, 2016 : I received a call from a collection agency this week for an outstanding debt of approximately {$55.00} in relation to US Bank. I am no longer a client of US Bank and closed my account with US Bank in XXXX 2016. I eventually called the recovery department for US bank to find out the origin of the charge. They could n't specify what the charge was for and told me to call the branch where I closed my account. When I called the branch they told me I had a pending transaction at the time I closed my account for approximately {$25.00}. When this charge went through, my account was reopened and hit with another {$30.00} fee for an overdraw. US Bank failed to contact me about any of the aforementioned events and failed to notify me ( written or verbal ) about the charges I allegedly owed. I received the run-around for three hours on the phone trying to find out how to dispute the charge and/or resolve the issue, but I was n't able to make progress. I believe the situation is solely a product of US Bank 's incompetence to XXXX the pending transaction at the time I closed my account and their inability to contact me before sending the claim to a debt collection agency.
Consumer complaint received 2015-09-30
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (CA)

US Bank, in a continuing pattern of bad faith and harassment, sent me a letter dated XX/XX/XXXX regarding loan application # XXXX that claims THEY were denying my loan application based on an old tax lien ( based on a XX/XX/XXXX tax dispute with the IRS ) and high credit card balances when IN FACT, I withdrew the application back in XX/XX/XXXX of this year due to their bad faith and inability to process a simple loan request ( {$110000.00} ). They ultimately refunded my loan origination fee, the appraisal fee and refunded XXXX of additional money I agreed to pay the seller because US Bank failed to perform in a manner that did not risk the agreement I entered into with the seller to purchase a condominium. The decision to compensate me for their failure does not sound like they were denying me credit based on the shaky grounds they now claim. This recent letter is an attempt to change the truth about the history of the transaction and an attempt to make me ( the consumer ) the party at fault for the inability of US Bank to perform at a modicum of efficiency and in good faith with the consumer.
Consumer complaint received 2016-08-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Rent Recovery Solutions (GA)

Rent Recovery Solutions contact me in regards to a debt with a landlord-tenant dispute. They informed me the debt was associated with an " eviction '' that had occurred. I asked them if the debt had been verified, they confirmed, and I then requested to see paper work associated with the eviction ( court papers, court date, etc. ). They would not disclose this information, as I already knew the landlord did not provide me with an eviction notice, nor was I given an opportunity to defend myself in court. This all stems from a last month rent withholding due to the property being deemed uninhabitable per a city violation that was issued by XXXX XXXX that was not acted upon. I have tried multiple times to contact XXXX XXXX ( XXXX ) regarding this matter only to get no response. I beg of you to please look into this matter as I am almost certain there is some form of fraud taking place as this debt went from {$840.00} ( one month of rent withheld ) to almost {$5000.00} without a court date, eviction notice or legitimate verification of debt.
Consumer complaint received 2015-05-27
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

I 've asked this collection agency to not call me at work and keeps doing it. I just started working here in XX/XX/XXXX and I 'm afraid they are jeopardizing my new job with personal phone calls.
Consumer complaint received 2015-06-17
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY (NE)

On mother 's day someone charged XXXX {$40.00} gift cards to my Target credit card account. My card has a {$200.00} limit and it was paid off. I called target right away and they said my account would be disabled including my online account. It is now XXXX XXXX. I am calling them again for the XXXX time and they keep asking me what the issue is. THey said they would send some paperwork so I could sign it that allows them to investigate these charges. They took a payment for my credit card out of my checking account on XXXX to pay for some of the balance even though I had a XXXX balance and the {$200.00} is still on my card. Every time I call I get the run-around. No one seems to want to help me. Since this hack XXXX my debit card with my bank have been hacked as well. I no longer know what to do. I ca n't log into my online account to stop the payments on the card because it is disabled. But they must not have disabled the billing. Please help. To further complicate things my name changed from XXXX XXXX to XXXX XXXX because I got married in XXXX XXXX.
Consumer complaint received 2015-03-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MD)

I have had a mortgage loan with Chase since XXXX. I have made payments on time and have been current on the mortgage for several years. I have cancelled checks to prove it as well as statements from Chase. Chase however says I am XXXX payments behind from XXXX. I sent them a letter and documentation showing all payments were made and on time. After XXXX weeks, they sent me a letter that actually I was late in XXXX and that for the past several years, they have been putting my payments in a suspense account and periodically took money from suspense to pay the loan. I was never told there was such a suspense account and was surprised since I was current with payments for years. In a nutshell, they set up a suspense account without telling me and while my statements from Chase said they received my payments, they did n't tell me they were applying them to some suspense account instead of applying them to the loan. Because they believe I am XXXX payments behind, they returned my XXXX XXXX payment because they want XXXX payments in full. I explained I made all the payments and do n't owe them that money. The customer service rep. has only returned XXXX of the XXXX calls I placed to her and did n't have an answer for why there is a suspense account. She would not take all my cancelled checks for XXXX but I faxed them to Chase anyway. This has been going on since XXXX XXXX. Chase needs to find the missing money and apply my payments to my mortgage and not to a suspense account. And they need to tell the credit bureaus I am and have been current on my loan. And they need to reverse the late fee they applied in XXXX since I was n't late. And last they need to let me make my payments as I have been doing for many years.
Consumer complaint received 2016-05-04
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (TN)

This is an issue with Chase credit cards regarding payment in full and continued interest charges. 

My XXXX statement ( XXXX/XXXX/16 ) with a due date of XXXX/XXXX/16 showed the balance due to be {$6700.00} I sent a check in the amount of {$6700.00} to pay off my bill. 

My XXXX statement arrived showing a posted payment of {$6700.00} on XXXX/XXXX/16 and a New Balance of {$44.00} due on XXXX/XXXX/16. This charge posted to my account on XXXX/XXXX/16. When I called Customer Service to inquire about the charge I was told ( not very politely ) that I am charged a " very valid interest charge ''. When I asked for a Manager, I was sent to XXXX XXXX in central Florida who again told me she can not waive the fee because it was a valid charge. Frankly, I was spoken to as if I never paid my bills and I was not worthy of any good faith. 

I am confused about the policy and unhappy with the treatment of card holders and wonder why such a big bank is willing to lose loyal card holders over such a small discrepancy. 

I am also confused as to why the reps and managers I spoke with gave me a very different answer regarding interest than the question and answer i found on the Chase web site when I searched for an explanation of interest charges. This is what I found : Question : How can I avoid paying interest? 
Answer : You wo n't pay interest charges on credit card purchases if you pay your New Balance every month by the due date end time. This is called the interest-free period on purchases. Balance transfers, checks, cash advances, and overdraft advances do n't have an interest-free period. On these transactions you pay interest on the balance until they are fully paid. 

I am hoping you will review my complaint and waive the questionable " valid finance charges '' of {$44.00} Thank you for your time. 
Sincerely,
Consumer complaint received 2016-11-05
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (AZ)

Edward Jones XXXX billed my account for {$440.00} on XXXX XXXX, 2016. This charge referenced my dispute with a scammer who XXXX my computer and charged {$440.00} to repair it. They did not. I questioned the charge and received a credit on XXXX XXXX. The Edward Jones Cardmember Service Department reversed its decision on XXXX XXXX. I have written and placed numerous calls to Edward Jones to remedy the problem. They now say they can not initiate an investigation because I questioned the charge after " the 60-day protection period. ''