davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-16
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. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXXXXXX 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 2024-07-30
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (FL)

Well Fargo is charging me {$2900.00} for insurance that lapsed due to the ineptness of Florida XXXXXXXX XXXX  I was able to get insurance, but can not back date the insurance. This charge is exorbitant for three months of insurance and the house is now covered. To get insurance here is not an overnight process in XXXXXXXX XXXX. We needed to have Wind Mitigation Assessments and all. 
Another situation is I'm paying insurance to cover a structure valued at XXXX XXXX when the land value alone is worth XXXX XXXX  and my outstanding mortgage is $ XXXX 
I am overpaying for insurance and made to pay insurance on a property where land alone the bank can recover more than we owe if we decide to walk.
Consumer complaint received 2024-09-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: General Motors Financial Company, Inc. (GA)

I have a problem with the whole loan process. I do not feel that the dealership was being honest and one of the sales people, ( XXXX ) called my daughter and discussed the loan with her and she called me to discuss that the loan was fraudulent. I moved to XXXX, XXXX  back in XXXX  and when I moved I was in a leased vehicle. When I went to XXXX, XXXX, the lease vehicle was given back to the dealership ( XXXX ). I needed a vehicle and I really wanted a car that was inexpensive therefore I went to a car lot by the name, " XXXX XXXX '' to purchase a car. I ended up getting a car but had to get a co-signer. My sister, XXXX XXXX co-signed for me to help me get the car. They ended up making her the buyer and me the co-signer on the application but they gave us an extremely high interest rate. I never knew what her score was until they told her this month that she was over XXXX and are now in the XXXX 's. She is very upset about how they had us signing several disclosures through e-signature which I was sceptical but at the time, I needed a car. What I have since found out is that they are not licensed to sell me a car because I lived in XXXX  and that they overcharged the interest rate on this loan. I also found out that they rolled back the mileage on this car which I am not okay with because that means it was over price.
Consumer complaint received 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I received an email from XXXX confirming my {$750.00} purchase on a credit card I did not use, I called immediately Bank of America and reported fraud. They investigate but when the merchant confirms the sale ( to some unknown person ) they reject the claim, twice. This is for a Spanish language concert XXXX I dont speak XXXX XXXX XXXX miles from my location ( it was in XXXX and I was in XXXX XXXX XXXX XXXX 

I did not make the charge, I instantly reported it but BOA insists on charging me.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC. (NJ)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-09-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (CA)

Southwest Credit XXXX placed this collection on my credit report for services with XXXX that I have never received in a town I have never lived in. I have advised the credit reporting agency and provided proof of never living in the state of MD
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ProCollect, Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (TN)

I filed a few disputes with XXXX confirmation # XXXX # XXXX # XXXX about me victim of identity theft and I was effected by XXXX XXXX breach and XXXX XXXX XXXX  XXXX breach. XXXX is refusing to remove these inquiries that I didn't authorize. ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Someone used my information without my authorization for I am victim of identity theft.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc. (GA)

Subject : Dispute of Inaccurate Information on XXXX  XXXX, and ARS Report  and Request for Detailed Description of Verification Methods To Whom It May Concern, Details of Complaint : I am writing to formally dispute inaccurate information on my XXXX, XXXX, and ARS consumer report. Upon reviewing my report, I identified several discrepancies that need correction for a fair assessment of my creditworthiness. Accurate reporting is essential, and I believe the current inaccuracies may adversely affect my financial opportunities.

Despite previous attempts to rectify these issues through the standard dispute process, the items in question were not properly verified. Therefore, I am now requesting a Detailed Description of the Verification Methods used during the investigation of my dispute.

Specifically, I request the following details regarding your investigation : 6. Methods Used : Please describe the specific methods and procedures used to verify the disputed information.

7. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation.

8. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information. 
9. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation.

10. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken.

Violations of Law : I believe the verification process by XXXX may violate my rights under the following laws : 6. 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy of consumer reports.

7. 15 U.S.C. 1681i : Procedure in case of disputed accuracy. 
8. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Responsibility of furnishers of information to provide accurate information.

9. 12 CFR 1022.42 : General requirements for reasonable investigation of disputes.

10. 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse information older than seven years. 
I request the Consumer Financial Protection Bureau ( CFPB ) facilitate a thorough reinvestigation of the disputed information in my XXXX, XXXX, and ARS report. Specifically, I ask that : XXXX. XXXX, XXXX, and ARS provides a detailed description of their reinvestigation process and how they verified the disputed information. 
XXXX. XXXX, XXXX, and ARS corrects the inaccuracies in my report as identified. 
Enclosed are copies of my XXXX, XXXX, and ARS report highlighting the disputed items and any supporting documentation ( e.g., payment records, correspondence ) that proves my claim. Please review this information and correct the inaccuracies promptly. Under the FCRA, you are required to investigate my dispute within 30 days.
Consumer complaint received 2024-07-30
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (CA)

I opened this account over 10 years ago but never funded it or created an online profile. I requested closure however continued to receive XXXX statements for over XXXX years. I'm appalled the account wasn't closed after all this time of no activity. Today I called to close the account and inquire why it was still opened. I verified all of my information however could not proceed because I didn't have the cvv of the debit card. Mind you the account is over XXXX years old and the card should be well expired unless the mailed a replacement to an address I no longer reside at. I was denied the ability to close the account and speak to a supervisor that could help me. When I called back to ask follow up questions I was no longer able to reach a customer service representative and potentially blocked as I called XXXX different contact numbers and unable to reach anyone.
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

When I opened the Wells Fargo checking account on XX/XX/XXXX in the XXXX XXXX branch ( XXXX XXXX, XXXX XXXX, CA XXXX ), I explicitly asked the banker responsible for opening the account what would happen if my account balance drops below XXXX. The answer was that no transaction would be processed when there is no sufficient fund or balance below XXXX. However, I was charged for XXXX times the overdraft fee for transactions processed while there was no sufficient fund in my account in the month of XX/XX/XXXX. I attempted to contact the Bank by phone call, but the Bank was only willing to return one overdraft fee. I believe the bank has been misled me and wrongly charged me for a total of {$140.00} ( = {$35.00} x 4 ). It is hoped that CFPB would help achieve a just outcome for unfortunate customers such as I and retrieve the fees wrongly charged.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (CA)

In accordance with the Fair Credit Reporting Act, Self Financial Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2024-10-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: E Mortgage Capital, Inc. (CA)

During the final week before closing on my mortgage, there was an unexpected issue with lender fees and points, which ended up being higher than originally disclosed. Additionally, by the time we closed, mortgage rates had fallen below the rate we had locked in. In light of these changes, I requested a {$500.00} lender discount to offset the additional costs. XXXX XXXX, the mortgage broker, assured me that he would personally reimburse me {$500.00} after closing. Based on this assurance, I moved forward with the loan.

Escrow closed successfully, but for over two months since, XXXX has not followed through on his promise. I have reached out to him multiple times, and each time he has provided different reasons for the delay. Initially, he mentioned financial difficulties and requested that I wait until the end of XXXX. When that date passed without payment, he asked for more time, extending the deadline to XXXX, citing a pending payment on his end. Unfortunately, this has become an ongoing pattern of delays. 

There was also confusion regarding the interest rate. When we discussed rates early in the process, XXXX mentioned that another client had secured a 6.125 % rate, which gave me the expectation that we might be able to obtain something similar. However, the final rate ended up being 6.625 %. When I inquired about the difference, the explanation given was that the market had changed, which was understandable but not what I had initially expected. 

I also experienced some confusion around the rate lock. Initially, I was told there was no downside to locking in, and that if rates fell by the time of closing, I could secure the lower rate. However, by the time we closed, I was informed that rates would only be adjusted if they dropped by a certain threshold, which wasnt verbally communicated upfront. At that point, switching lenders and restarting the underwriting process was presented as the only option to obtain a lower rate, which could have jeopardized our closing. 

I believe that clearer communication from XXXX about the rate lock conditions and his follow-through on the promised {$500.00} would have significantly improved the experience. I hope this review helps others make an informed decision and that these issues can be addressed moving forward.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc. (IL)

Dear [ Creditor 's Name ], I am writing to formally dispute a debt that you claim I owe, as per your communication dated [ insert date of communication ]. I believe this debt is inaccurate and am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692 ( g ) and 15 U.S. Code 1692 ( c ).

Under 15 U.S. Code 1692 ( g ), I am entitled to request validation of the debt, including the original creditor 's name and the amount owed. I kindly request that you provide me with this information within the statutory timeframe. 
Furthermore, as per 15 U.S. Code 1692 ( c ), I am requesting that you cease all collection activities until you provide the necessary validation. This includes any reporting of this debt to credit reporting agencies. 
Please acknowledge receipt of this letter and respond with the requested documentation to validate this debt. 
Thank you for your attention to this matter. I look forward to your prompt response. This is what I sent to the company
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (TX)

Complaint Against Wells Fargo for Deceptive Practices and Fraudulent Consumer Behavior To Whom It May Concern, I am writing to formally lodge a complaint against Wells Fargo Bank regarding their deceptive practices and fraudulent behavior towards customers. Wells Fargo advertised a {$320.00} reward for opening a new account, a key factor in my decision to bank with them. However, after following all the stipulated requirements and opening the account, I was later informed that this service and reward were not available. 

This is a clear case of consumer fraud, as the banks initial promise was not honored, and their subsequent response to my complaint did not address or resolve the issue. Such practices not only deceive customers but also erode trust in the banking system. 

I request that Wells Fargo be held accountable for their actions and that appropriate measures be taken to ensure they rectify the situation by providing the promised reward. Additionally, I urge a thorough investigation into their advertising practices to prevent further consumer deception. 

I am also submitting this complaint to the XXXX XXXX XXXX XXXX XXXX XXXX  and the Consumer Financial Protection Bureau ( CFPB ) for further review and action. 

Thank you for your attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2024-08-24
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. (VA)

Equifax, 1. **Unauthorized Access** : A person or entity obtains a consumer report without a permissible purpose as defined by the FCRA. This includes accessing reports for reasons such as employment screening, credit underwriting, or rental applications without the consumer 's consent.

2. **Failure to Notify If a negative action is taken against a consumer based on information in their credit report ( e.g., denial of credit ), the entity must notify the consumer and provide them with the name of the credit reporting agency that supplied the report.

3.Inaccurate Reporting If a consumer report contains inaccurate information and the consumer disputes it, the reporting agency must investigate the claim. Failing to correct inaccuracies can be a violation.

4.Improper Disposal The FCRA requires that consumer information be disposed of properly to prevent identity theft. Failing to shred or securely destroy documents containing personal information can lead to violations.

5.Failure to Provide Required Disclosures** : Entities that use consumer reports must provide consumers with certain disclosures, including their rights under the FCRA. Not providing these can lead to violations.


6.Using Consumer Reports for Unlawful Purposes** : Using consumer reports for purposes not allowed under the FCRA, such as for marketing or other non-permissible purposes, can also constitute a violation.
Consumers who believe their rights under the FCRA have been violated can file complaints with the Federal Trade Commission ( FTC ) or take legal action against the violators. It's important to keep records and document any instances of suspected violations Supporting attachments attached
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I called Citibank to obtain information on how to tell if a check is fake. I told the representative that I had a check sent to me through email from a freelance graphic design client and that they told me to take a picture of it on the screen to deposit it. I asked if there was a way to tell if it was fake since it seemed a bit sketchy to me. He said, " If the mobile deposit accepts the check then it's real. '' I then received an email that the funds had been received and two days later that the funds had been accepted. I called Citibank on XX/XX/XXXX again to verify that the funds were there and available. My client wanted me to forward some of the money to their printer, I realize that can be a scam tactic, so this was my way of double-checking. I was again told that the funds were there and the check was accepted. Because of this response, I accepted a second check from this client in the same format. Out of extreme caution, I called Citibank one more time two days after that, XX/XX/XXXX. For the third time, I was reassured that the check was valid and had been accepted. Due to this response, I went ahead and forwarded {$850.00} to the printer. Two days after that, my check was declined and the funds were withdrawn from my account. I am currently unemployed and have been sick with an as-yet-to-be-diagnosed illness for 2 1/2 months, so I was counting on the two checks to get me through the month. However, once the funds I was told three times were " there '' bounced, I ended up being overdrawn by {$230.00}, and this was before the second " accepted '' check bounced. When the first check bounced, I called Citibank and asked how that could be since I was told three times over six days that the funds were viable. The response was, " Well there's still a chance the check can change and be returned. '' I asked why I wasn't notified of this any of the times I called and was told, " Sorry for the inconvenience, that just happens sometimes. '' No matter what I asked or explained about the situation after that, I got the same response. I tried calling my local branch and was told they do not handle such situations, they told me to call the main number and get connected to the fraud department. I did that and after I explained the situation, I got the same response of " Sorry for the inconvenience, you should try bringing the check to your local branch. '' I had already explained that I didn't have a paper check and when I reminded her, she said the same thing. The whole situation is infuriating and I believe Citibank had an obligation to inform me that the check still had the potential to bounce.
Consumer complaint received 2024-07-25
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: OneMain Finance Corporation (LA)

I received this loan in the month of XXXX. I've been paying on time until recently I've had some unfortunate events come up and I called One Main Financial to ask why isn't the balance reflecting the payments I've made and I was told it's because I've made XXXX payments late!
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (NY)

To whom it may concern : I am writing to request that you freeze my account and not allow access unless specifically authorized by me! Additionally I would like opt out of prescreened credit offers. Please return a PIN code that I can use to unfreeze my report in the event that I would like to apply for credit.