davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (IL)

Several years ago, when I resided in the State of New York, I opened two certificate of deposit accounts and one IRA account with TD Bank. I now reside in XXXX, Illinois and would like to deposit the funds with another financial institution. I called the generic TD Bank customer service number to close the accounts and after speaking with several individuals I was instructed to call the XXXX XXXX, New Jersey branch. The accounts were opened in XXXX XXXX. I called the XXXX XXXX branch manager and she told me that the only way I can close the accounts is to send the certificate of deposit documents to her or to physically appear in the branch. Unfortunately, I can no longer locate the certificate of deposit documents because of the length of time that has transpired since the accounts were opened and because of several intervening moves. I asked if there is any way to close the accounts without providing the documents or physically appearing in the branch and she said no. The nearest TD Bank branch is several hundred miles from XXXX. I asked if I could appear in a nearby TD XXXX branch and was told no. This imposes an unnecessary and overly burdensome requirement on me the customer, especially with the COVID related travel limitations. I find it ironic that I can close on a far more complicated real estate transaction on a remote basis but I can not withdraw my funds from TD Bank. I have not had this problem with any other financial institution. Any assistance that you can provide to enable me to secure my money from TD Bank will be greatly appreciated.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2021-09-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (GA)

I made a payment on XX/XX/XXXXfor {$70.00} that was returned. The payment showed as though it went through on that months statement. The next month it says it was returned so I selected to pay off my balance on the card entirely. Then apparently that didnt include the return payment fee. I was then charged 2 late fees interest and finance charges on the {$25.00} fee that didnt show up on my balance after a month it was supposedly returned when I made the payment by the due date and was told there was nothing they could do to remove the return fee and only removed one of the late fees.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MS)

The Bankruptcy Court has no jurisdiction over credit reporting agencies and does not report to any of the agencies. Bankruptcy Court is not an information provider as we do not report any information to these agencies. Under the Fair credit reporting act, take appropriate action to correct inaccurate information on a credit report. What method of verification did you use?
Consumer complaint received 2020-01-21
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 (NY)

Capital one has allowed I believe 9 credit cards to be opened in my name over the course of 9 years due to identity theft. 
I had to sue them twice back in XXXX and XXXX for accounts that upon receiving a valid police report and identity theft report, they still claimed it was mine. Upon sueing them, after their 7th investigation, it magically turned out it wasnt mine as i was stating all along. They settled those and the federal lawsuit was withdrawn regarding FCRA Violations. 

Here we are again, in XXXX apparently more identity theft linked accounts opened. I sent the police report and identity theft affidavit to them, and i got the response that it was mine. I sent it 6 months straight and got 6 straight answers. Finally after sending notice of claim for a lawsuit to their ceo and presidents office, they conducted an investigation in XX/XX/XXXX and in XX/XX/XXXX, it was determined that infact, those accounts were NOT mine. They have for a third time violated my rights under the FCRA. 

I want to seek actual damages, statutory damages, treble damages and punitive damages as capital one seems unwilling to obey the law and properly negotiate and compensate me for their repeated violations.
Consumer complaint received 2022-01-06
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: EQUIFAX, INC. (HI)

EQUIFAX DID NOT FULFILL THEIR FCRA 611, 15 U.S.C.1681i, REQUIREMENTS FOR REINSERTION OF PREVIOUSLY DELETED MATERIAL, SEE BELOW EXPLANATION. 

ON XX/XX/2021, I DISPUTED XXXX XXXX XXXX XXXX ACCOUNT # XXXX, WITH EQUIFAX, ON NOVEMEBR XXXX EQUIFAX REMOVED THIS ACCOUNT FROM MY CREDIT REPORT. 
I WAS SHOCKED TO SEE THE PORTFOLIO ACCOUNT BE REINSERTED ON XX/XX/XXXX TO MY EQUIFAX CREDIT REPORT. 
EQUIFAX FAILED TO GIVE ME A 5 DAY NOTIFICATION ABOUT REINSERTION OF THIS ACCOUNT AND EQUIFAX DID NOT FURNISH ME PROOF OF CERTIFICATION BEFORE REINSERTING THIS INVALID ACCOUNT, BOTH BLATANT FCRA 611, 15 U.S.C 1681i VIOLATIONS.
Consumer complaint received 2018-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

MY STUDENT LOANS ARE WITH XXXX XXXX XXXX.  IN XX/XX/XXXX, I STARTED WORKING FOR THE XXXX XXXX XXXX.  MY COWORKER TOLD ME ABOUT THE STUDENT LOAN FORGIVENESS FOR CIVIL SERVANTS WHO MAKE 120 PAYMENTS WHILE A CIVIL SERVANT.  I ASKED HER IF SHE CALLED ABOUT IT TO VERIFY, SHE SAID THAT SHE HAD NOT.  THAT DAY, I CALLED MY BORROWER TO ASK ABOUT THE PROGRAM.  THEY ASKED WHERE I WORKED, I TOLD THEM AND THEY SAID THAT YES, AFTER TWN YEARS OF PAYMENTS, OR 120 PAYMENTS WHILE EMPLOYED WITH THE AGENCY, I WOULD QUALIFY FOR STUDENT LOAN FORGIVENESS.  AWESOME.  THEN IN XX/XX/XXXX, I CALLED AGAIN TO INQUIRE IF GOING ON XXXX LEAVE WOULD AFFECT THE PROGRAM ELLIGIBILITY.  THEY SAID THAT WHILE, NO, IT WOULD NOT, I DID NOT QUALIFY SINCE MY LOANS WERE NOT CONSOLODATED A CERTAIN WAY.  I WAS SO UPSET.  I ASKED ABOUT CONSOLODATION.  THE LENDER TOLD ME THAT I NEEDED TO GO ON A PAYMENT PLAN THAT WOULD TAKE MY STUDENT LOAN PAYMENTS FROM $300 (SOMEWHERE IN THAT NEIGHBORHOOD) TO NEARLY $900!  I AM A XXXX XXXX, MY HUSBAND IS MILITARY.  WE COULD NOT AFFORD THAT.  ESPECIALLY AFTER HAVING JUST HAD A NEW XXXX AND HAVING TO DEAL WITH ALL THE COSTS ASSOCIATED WITH THAT.  HEARTBROKEN, I ACCEPTED WHAT THE LOAN OFFICER SAID AND HUNG UP THE PHONE.  THEN I DECIDED TO CALL AGAIN IN XX/XX/XXXX, THAT LOAN OFFICER HAD ME COMPLETE THE OMB NO XXXX OR THE PUBLIC SERVICE LOAN FORGIVENESS EMPLOYMENT CERTIFICATION FORM.  I SENT IT IN WITH MY WAGE VERIFICATION AND CONSOLODATED MY LOANS UNDER AN INCOME DRIVEN PLAN.  FOR SOME REASON, THIS LOAN OFFICER SAID MY PAYMENT PLAN WOULD BE ONLY $XXXX, HALF WHAT WAS QUATED TO ME TWO YEARS PREVIOUSLY.  THAT WE COULD AFFORD.  SO I SUBMITTED EVERYTHING AND MY PAYMENTS WENT UP.  I JUST CALLED AGAIN IN XX/XX/XXXX AND FOUND OUT THAT I AM STILL NOT ON THE PROGRAM.  THE LOAN OFFICER INFORMED ME THAT I NEED TO RECERTIFY MY EMPLOYMENT (WHICH I WILL DO) BUT MENTIONED I NEED TO BE DOING THIS EVERY YEAR.  NOBODY MENTIONED THIS TO ME AT ANY TIME NOR HAVE I RECEIVED ANY MAILER TO THAT EFFECT.  I WORK FOR A XXXX XXXX, WE "RECERTIFY FOR BENEFITS" EVERY DAY.  WE SEND NOTICES, WE SEND THE FORMS, WE SUSPEND IF WE DO NOT HEAR BACK.  THIS XXXX WILL MAKE 8 YEARS OF XXXX XXXX, 8 YEARS THAT SHOULD HAVE QUALIFIED FOR STUDENT LOAN FORGIVENESS.  I HAVE NEVER BEEN LATE, I HAVE ALWAYS PAID ON TIME.  I WANT THOSE YEARS, AND THOSE PAYMENTS TO MATTER.  I DON'T WANT SPECIAL TREATMENT, I ONLY WANT WHAT I AM ENTITLED TO UNDER THE LAW.  PLEASE ASSIST IN THIS MATTER.
Consumer complaint received 2021-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

back in XXXX of XXXX I was in the process of closing on a new home the deal fell through because of lack of financial information my credit was good enough to get me thus far. but I was eligible to retry in XXXX so in XXXX I tried to pull my credit score an low a behold no credit score .... My loan company told me not to get anything on credit until I re-apply ... Now I don't have a credit score at all!!! how is this even possible or legally allowed it took a while to get my score even up i am a XXXX veteran!!! I'm not going to go out an buy things I know I can't afford!!! an for that I get punished ... my family an I are trying to buy a home an some numbers that's not right are stopping me ... I served this country an this is what they give back???
Consumer complaint received 2018-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (FL)

I had a Dispute with XXXX XXXX XXXX XXXX, which took almost 5 months to resolve. After sending numerous dispute letters to the company, they finally credited back the amount of the item that was purchased, that was never recieved. The company never resolved it, until i filed a CFPB complaint to get it resovle. 

Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Product : Credit card or prepaid card Issue : Problem with a purchase shown on your statement During this 5 months process, my account incurreced Fee 's each month, finance fee 's, which isn't allowed while my dispute in being handled. This company is not following FCRA guidelines in regards to my dispute. Also they are failing to even investigate the dispute with due diligence causing these fee 's. So, after they finally removed all charges that were under dispute, XXXX XXXX XXXX XXXX   left the Finance charges and then have reported it negatively to my Credit reports. This isn't correct. I've attached all dispute letters in reference to this.
Consumer complaint received 2018-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (CA)

I sent a debt validation letter approximately 30 days prior to receiving a response via USPS from XXXX XXXX. 

They claim I owe a debt to XXXX for {$470.00} In response to my debt validation letter, they responded with a copy of a past due bill from XXXX. 

This information is incorrect. I waited until my time period has expired for the early termination fee and confirmed this with XXXX. In addition, all bills were paid and nothing was due. 

This was removed from my credit report before when a different company was reporting it and now it 's coming back around again when it 's invalid.
Consumer complaint received 2021-09-25
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: AMERICAN EXPRESS COMPANY (TN)

I opened my new American Express Platinum card on XX/XX/2021 with a special offer they had on their website through XXXX. The terms were : spend {$5000.00} or more within 6 months and receive XXXX bonus points, 20 % back on restaurant purchases within the first 12 months up to {$300.00} back, and earn 10 points per {$1.00} spent on all grocery and gas purchases. I have spent over {$10000.00} on the card, much more than the minimum of {$5000.00} required and have not received my XXXX welcome bonus on any recent statements. I have also spent over {$1000.00} on grocery and gas and have not received the 10 points per {$1.00} bonus, and I have spent over {$1000.00} on restaurant purchases and have not received any of the 20 % back credits listed in the offer.

I have reached out to American Express chat and technical support about a dozen times and have not received any of the 3 bonus terms mentioned. They all say we're working on it, we're sorry for the inconvenience, and that they're experiencing technical problems. Meanwhile, they refuse to offer me my XXXX welcome bonus, my 20 % statement credits, or my 10 bonus points per {$1.00} spent.
Consumer complaint received 2017-11-29
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX , va XXXX inquiry from XX/XX/XXXX I have not authorized these inquiries on either of my reports. I would like for them to be deleted from my XXXX, my XXXX and my XXXX  report.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed my Transunion credit report for my installment loan from XXXX XXXX that was paid off on XX/XX/XXXX. In early XX/XX/XXXX my loan was updated to a paid status & XXXX loan balance. On XX/XX/XXXX, I received an update from Transunion that my previous dispute was resolved. However, Transunion changed the account status back to open and with a loan balance. I tried to dispute this again online and it said it required manual processing. I call them on XX/XX/XXXX and they said they could n't help because another dispute is in process. They would not except my explanation and said to call the creditor. I previously spoke with the creditor and they said they sent Transunion a paid loan status & XXXX balance on XX/XX/XXXX. A  copy of the information will be provided in my submission.
Consumer complaint received 2017-11-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (OH)

Wells Fargo opened a HELOC without my signature and without my consent. I was told by the local window company ( XXXX XXXX ) that they would send my credit score info to XXXX to see if I would qualify for financing. The very next day I went into my Wells Fargo account to check on my mortgage payment, and there was a line of credit opened ( {$13000.00} ) with a " Next payment due date XX/XX/17 '' I pursued financing for my windows from my credit union ( XXXX ) but have had to contact Wells Fargo twice attempting to close the account they opened WITHOUT MY SIGNATURE OR CONSENT! The account appears on my credit report and still appears on my Wells Fargo Mortgage website. 

Clearly, Wells Fargo has n't been fined enough for doing this XXXX to consumers!
Consumer complaint received 2021-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to dispute the following information that appears on my [ TransUnion, XXXX, or XXXX ] consumer report : XXXX XXXX SS. XXXX DL XXXX After recently reviewing my credit report I notice several inconsistencies regarding the account ( XXXX XXXX XXXX XXXX ) in the ( Balance ). It is your duty to ensure that all information reported is consistent a most importantly accurate and credit report agency failed to do so. I request DELETE this erroneous item immediately. That affect my credit am my self with out reason. Also am try to get my sold letter with my lender until XX/XX/2021 and they bring excuses still work in it. 

Dispute Account for Lenders or Institutions ( Inaccurate Reported ) - XXXX XXXX XXXX XXXX For the Following Reasons : Balance of {$4000.00} is Inaccurate Reported Paid as agreed on XX/XX/2021 Balance must be in XXXX account paid Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

It is entirely unjust to discover late payments on my account, considering my consistent track record of timely payments. I insist on the swift correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account reflects my history of on-time payments accurately.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

My purse was stolen from my car & all my personal information was in it. I have now noticed that someone has been attempting to open accounts in my name.
Consumer complaint received 2017-11-29
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)

I have contacted Transunion several times regarding inquiries that was not initiated by me. They refuse to remove them. I would like proof of these inquiries. They are as followed : XXXX /XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-11-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (CO)

XXXX has been debiting my Credit Union Checking account each month since XXXX XXXX 2017. I never authorized these debits from my account ( see uploaded documentation. I made several calls to XXXX attempting to determine who used my account information and made it clear that I did not authorize these debits, stating this was fraud. XXXX could not tell me anything about the transactions and that I would have to dispute them with my Credit Union. XXXX is culpable I 'm this fraud as they obviously never verified that the person using my account information was me, XXXX XXXX. 
My Routing # is XXXX My account # is XXXX
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was, never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2018-01-04
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: On-Site Manager, Inc. (CA)

I will provide two incorrect/fraud information that was use without my permission that was reported in my credit. 

First one was XXXX XXXX in XX/XX/XXXX that was reported to XXXX XXXX as a hard inquiry on my credit report. 

The Second case is XXXX-XXXX XXXX that was reported to XXXX as a hard inquiry on my credit report on XX/XX/XXXX. This one is odd because I do not live in the XXXX XXXX.