davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Citizens Bank ( citizensbank.com ) sent directly to me via email on XX/XX/2023 the following offer... 

" Start saving monthly with a first new One Deposit Savings from Citizens account, and earn a {$50.00} bonus1 getting you one step closer to a getaway, wedding, car, college, emergency fund, or whatever your goal may be. 

Heres how it works Make monthly deposits of {$100.00} or more each month for three months in a row, starting the month after the account is opened. While maintaining those balances within the account, Citizens will add a {$50.00} bonus to your checking account in the fourth month. " I read the fine print, I completed the tasks, and waited to receive the bonus on XX/XX/2023 which is the date the payment was supposed to be made according to the offer. 

They originally stated it would be paid on XX/XX/XXXX, then on XX/XX/XXXX, they tell me since XX/XX/XXXX was a Sunday and XX/XX/XXXX is a holiday, that it will be paid on XX/XX/XXXX. Why not pay it on XX/XX/XXXX or XXXX or XXXX? It's now XX/XX/XXXX and still no payment. Spent at least 1 hour and 20 minutes on a phone call with multiple employees plus additional minutes on online chat with multiple employees to resolve, still not paid. I see other people on XXXX mentioning " bonus '' problem so perhaps this {$50.00} bonus offer was a scam that they have no intention of paying. 
It's also possible they have an incredibly incompetent team. I found additional phone numbers listed in my account that were never mine, so they must have done some batch database transactions that conflated information from different accounts, and evidently, they have no proper procedures to handle personal information, because if they did, there would be no way random phone numbers would appear in my account.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

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 , FTC and my Attorney General.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Dear Consumer Financial Protection Bureau, I am urgently filing this complaint against XXXX and Equifax regarding the unauthorized sale of the XXXX XXXX XXXX account to XXXX XXXX XXXX , XXXX, and the subsequent inaccuracies and challenges Ive faced in disputing this unauthorized transaction. 

Unauthorized Sale of XXXX XXXX XXXX Account : I recently discovered that the XXXX XXXX XXXX account was sold to XXXX XXXX XXXX , XXXX without any proper notification. This unauthorized sale has significantly impacted my ability to address and dispute the accounts details accurately. 

Continuous Updating of Inaccurate Information : In addition to the unauthorized sale, there has been continuous updating of inaccurate information related to the XXXX XXXX XXXX account on my credit reports. Specifically : The reported last payment was inaccurately stated as XX/XX/XXXX, to XX/XX/XXXX, which is factually incorrect. 
The account status continues to be updated as a charge-off every month, which is inconsistent with the actual account status. 

Dispute Handling Challenges : Despite repeated attempts to dispute these inaccuracies through XXXX and XXXX dispute processes, I have faced significant challenges. The disputes have not resulted in the necessary corrections, and the inaccuracies persist, adversely impacting my credit profile. 

Fair Credit Reporting Act ( FCRA ) Violations : I assert that the unauthorized sale of the XXXX XXXX XXXX account and the continuous updating of false information constitute a violation of the Fair Credit Reporting Act ( FCRA ). These actions have created unnecessary hurdles in my attempts to address and dispute the inaccuracies. 

Immediate Deletion Request : I urgently request the immediate deletion of the inaccuracies related to the XXXX XXXX XXXX account from my credit reports by XXXX and Equifax. The unauthorized sale and continuous updating of false information are causing severe distress and adversely affecting my creditworthiness. Immediate deletion is imperative given the severity of the situation. 

Transparent Dispute Resolution : I urge the CFPB to ensure a transparent and effective dispute resolution process that guarantees accurate reporting and immediate corrections. 

Compliance with FCRA : I request the CFPB to investigate and ensure that XXXX and Equifax comply with the provisions outlined in the Fair Credit Reporting Act. 

The unauthorized sale of the XXXX XXXX XXXX account and the challenges in disputing this information are causing significant distress and negatively impacting my financial well-being. I seek a prompt and comprehensive resolution, including the immediate deletion of the inaccuracies. 

I appreciate the CFPBs urgent attention to this matter and anticipate a thorough investigation and resolution in accordance with regulatory requirements.
Consumer complaint received 2023-04-18
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: American Credit Acceptance, LLC (GA)

I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2021. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
Consumer complaint received 2023-05-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (OH)

Repeated calls several times a day : 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 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX  XXXX Date Filed XX/XX/XXXXXXXX  Reference # : XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed XX/XX/XXXXXXXX  Reference # : XXXX XXXX XXXX
Consumer complaint received 2024-01-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: ASSOCIATED BANC-CORP (WI)

I applied for a loan modification and was excepted with trial period starting XXXX When I spoke with them on phone on XX/XX/2023 ( after completing XXXX & XXXX trial payments ) They told me as long as I make XXXX payment by XXXX ( when they closed ) I would still be on time for XXXX trial payment. On XX/XX/XXXX I spoke with loss mitigation coordinator to assure there were no issues.She told me payment was accepted and she would call me once modifications were ready to be mailed out. The next day I received a letter dated XX/XX/XXXX stating that I'm not qualified for modification because I failed to make all the trial period payments.Called them with no return call so tried again today XXXX and spoke with rep who said payment had to be made by XXXX on XXXX which I was told XXXX in earlier conversation.Now they are trying to kick me off modification and have to pay {$4200.00}.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

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 XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX 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 2024-01-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

First of all, B of A processed two successive fraudulent applications in successive weeks that were submitted using my PII for a XXXX XXXX XXXX credit card. The bank queried my credit but did not receive a response from the credit bureau because I have my credit locked. The bank then emailed me a request to unlock my credit file so they can process the accounts which prompted me to report both attempts to B of A as fraud. If B of A is aware that someone is fraudulently attempting to open accounts in my name multiple times, why do they continue to process them? Poor controls?
Consumer complaint received 2023-04-20
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (PA)

I am writing to dispute a promotion that was denied. I have included that dispute resolution letter for your reference. I was denied because the Citi Priority Account package is not eligible under this promotion. 

In XX/XX/XXXX, I was targeted on my Citibank app with this promotion to open a Citi Accelerate Savings Account. I have included a copy of the promotion screenshot from my phone. In the screenshot, you can see that there is no mention of Access Account or Priority Account. It simply says : 1 ) Open a new eligible Citi Accelerate Online Savings Account during the offer period XX/XX/XXXX XX/XX/XXXX. In accordance with the promotion instructions, I deposited over {$50000.00} of New-to-Citibank funds into the new account, and then I maintained over {$50000.00} balance in the new account for an additional 60 consecutive calendar days. 

Let me reiterate that I was TARGETED with this promotion on my app ; I simply responded to this targeting. I acted in accordance with the instructions from the promotion, as my screenshot provides sufficient proof. I believe that I should have qualified for this promotion. Citibank owes me a {$450.00} cash bonus.
Consumer complaint received 2024-01-09
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NC)

I cashed a third party check endorsed to me in to my chase account, and the money got hold, its been 10 days + and I still dont have the money, they said that the check is being verified and I have to wait till the XXXX, and thats what I did, and the same thing, my account is restricted now, and its going to close, I really need the money, Im going to be evicted of my apartment, this makes me really frustrated, the only answer I got is, to verify with the maker, and they dont have a verified number, Im really worried
Consumer complaint received 2022-12-19
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. (GA)

This account does not belong to me and should be removed from my report asap. 

Account name XXXX XXXX XXXX Account XXXX XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$120000.00} Highest balance {$0.00} Terms 66 Months
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AES/PHEAA (NC)

I have previously disputed the accuracy of payment to Fed LoanXXXX as reporting from XXXX this account is reporting late as 7 different accounts XXXX XXXX. I was never late on this account and it is damaging to my credit profile. This accounts need to be either removed or updated to a positive payment history immediately. These accounts were removed from XXXX but XXXX isn't being helpful at all and continues to report negative and unverified items that are very damaging to my credit profile.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXXXXXX XXXX  XXXX Inquired on XX/XX/ ; XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX
Consumer complaint received 2017-03-25
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

A charge appeared on CapitalOne credit card that I did not make. Received email from CapitalOne asking if it was valid. I told them it was not. They told me to get the merchant to get it removed. When merchant did not, CapitalOne told me to prove it was not mine. I did so. Then CapitalOne sent me a letter telling me to " get a second opinion on company letterhead from another merchant in the same field stating specifically what the original merchant did incorrectly, how the problem can be corrected and what that will cost. '' If I did not send that to CapitalOne along with many other requests already provided, the case would be closed.
Consumer complaint received 2024-01-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (PA)

Subject : Request for Resolution of Auto Loan Account Issues Dear Wells Fargo Auto, I hope this message finds you well. My name is XXXX XXXX and my account number is XXXX. I am writing to address several concerns regarding the handling of my auto loan, account mismanagement, and its impact on my credit profile, and professional life. 

In the latter part of XXXX, I acquired a loan from Wells Fargo Auto for the purchase of a XXXX XXXX XXXX XXXX from XXXX XXXX  in XXXX. Regrettably, following the loan acquisition, my account experienced mishandling, including being placed on multiple deferment programs during the peak of the coronavirus pandemic. Representatives often advocated for these deferment programs, resulting in the continuous reporting of late or overdue payments to the three credit bureaus. 

Despite my persistent efforts to rectify the situation through multiple calls to Wells Fargo Auto, my attempts to resolve the issue and prevent negative credit reporting proved unsuccessful. Furthermore, my attempts to set up automatic payments and discuss alternative payment arrangements were met with challenges, exacerbating the situation. 

The mishandling of my auto loan has had severe repercussions, adversely affecting my credit, hindering my ability to secure new credit, housing opportunities, and employment. I am currently facing the imminent risk of job loss and housing insecurity due to the lack of a payment arrangement for the settlement amount, currently at {$18000.00}. 

I am requesting a fair and positive resolution to this matter, specifically the prompt removal of my Wells Fargo Auto loan account from my credit profile. Additionally, I kindly request an adjustment of the reported loan amount to reflect the agreed-upon settlement amount of {$18000.00}. To facilitate this resolution, I propose a payment plan of {$1900.00} per month for four months, totaling {$7400.00}, and I am earnestly seeking an acceptance letter from Wells Fargo Auto acknowledging this arrangement. 

The provision of such a letter is crucial, as it will allow me to present a clear understanding of the payment arrangement to my employer and housing development, averting the potential loss of employment and housing. I understand the importance of fulfilling my financial obligations, and I am committed to resolving this matter amicably. 

I kindly request your prompt attention and cooperation in providing the necessary documentation to facilitate the agreed-upon settlement and ensure a positive outcome for all parties involved. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I noticed on my credit report many accounts and credit inquiries that aren't mine and that i didn't authorize. 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 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Credence Resource Management, LLC (MO)

About 2-3 months ago XXXX XXXX removed a collection account from my XXXX credit report willing. Last week a new collection was put back on my credit report by CREDENCE RESOURCE MANAGEMENT with approx. the same information that XXXX XXXX had willing removed earlier. This new collection account should have never been put on my credit report. I believe this is illegal as XXXX XXXX had no knowledge of this. I will sue them if this is not taken off ASAP. Thank you