davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (CA)

Hello, I am writing about a particular issue relating to home insurance, and what I believe to be an unfair practice by my mortgage provider, Wells Fargo. 

I'm a longtime customer of Wells Fargo. I am current on my loan and do not need assistance. I have never missed a payment ; I have never been late with a payment. ( In fact, this is my second loan with the company in two decades. ) The problem relates to how I pay for home insurance. I typically pay for a year of coverage up front, separate from my mortgage payments. 

In XX/XX/XXXX, I inadvertently missed the renewal for my original home insurer, XXXX XXXX XXXX XXXX didn't contact me to ensure I would renew. Nevertheless, this was my mistake. 

But I wasn't aware of the mistake until XX/XX/XXXX, when I received notice by mail from Wells Fargo that my mortgage was without insurance, and that this was against the rules. I immediately bought new coverage ( from XXXX XXXX ) and uploaded that information. 

However, because of the inadvertent lapse in coverage, Wells Fargo is charging me for expensive insurance retroactively for a period of time that's already months past. 

I've notified Wells Fargo and it says the fact that XXXX didn't provide notice isn't its problem. In addition, it's going to charge me for insurance for the period where I didn't have coverage. In other words, too bad. 

I believe that insurance works to cover potential claims in the future ; it doesn't work retroactively. ( One doesn't get into an accident today, and then buy car insurance tomorrow. ) Also, I think that having mortgage lenders impose premiums at will creates opportunities for abuse. Finally, it's troubling to me that roughly a year went by before anyone reached out. 

Once I was notified of a problem, I rectified my mistake immediately. Wells Fargo didn't let me know right away there was a problem, and now I'm paying too dearly for it. That doesn't seem fair. 

I want to work with Wells Fargo on a mutually positive resolution. I'm happy to pay for a year 's worth of insurance at my previous premium level. This offer was not entertained by Wells Fargo. 

I would like the CFPB to be proactive in protecting consumers from abuse by urging Wells Fargo to work with me and others in my situation. 

Thank you.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION (PA)

The report I received for a background check at work has me listed as living in Florida from XXXX. I've never lived outside of XXXX XXXX PA. 

It is also pulling in an address from my ex husband. I've never lived at XXXX XXXX XXXX XXXX. 

Also not sure how important it is but the dates on where I have lived are completely off. For example I only lived at XXXX XXXX XXXX for about 2 year but it has me living here for 18 years
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (CA)

Dear CFPB, I am writing to formally request your assistance regarding an issue I have encountered with my credit card issuer, Citi. I applied for the XXXX Credit Card that included a promotional offer of XXXX points upon meeting a spending requirement of {$4000.00} within the first XXXX months. Prior to signing up, I confirmed that Citi would be able to send the card to my alternative foreign address, which they assured me they could do. 

Unfortunately, the card has not yet been delivered. I have contacted customer service over XXXX times to resolve this issue, but each time, I have been informed that the card has been lost in the mail. Despite my repeated requests for the card to be sent with a tracking number, the customer service representatives have been unable to provide XXXX. 

Thank you for your attention to this matter. I appreciate your assistance in helping me resolve this issue with Citi. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-30
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CCF Intermediate Holdings LLC (CA)

I noticed this item on my credit report one day and so I called California check cashing to inform them that I believe that I must be a victim of identity theft because I never applied for or received a loan from them. They informed me that the account was already sold to a third party debt collector agency.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$720.00} XXXX XXXX XXXX Balance {$470.00} XXXX XXXX XXXX XXXXXXXX Balance {$740.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Balance {$260.00} XXXX XXXX XXXXXXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

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 15 USC 1681.

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 a 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 2024-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp. (AL)

I am writing to formally dispute a fraudulent entry on my credit report related to an account opened in my name without my knowledge or consent. My father, who is now deceased, appears to have taken out a loan in my name when I was only XXXX XXXX XXXX, while I was living with him. At that time, I was a XXXX XXXX  with no job and did not have the means to apply for or manage any loans. 

The account in question has recently come to my attention, as it appears on my credit report, and I believe it was obtained through identity theft. I do not recognize this debt, nor was I aware of its existence until it negatively affected my credit score.

I kindly request that you investigate this matter promptly and provide me with any necessary documentation to support my claim. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that I believe to be inaccurate. I am also requesting that you remove any negative information related to this fraudulent loan from my credit report. 

Additionally, I have taken the following steps to protect myself against further identity theft : Fraud Alert : I have placed a fraud alert on my credit report, informing potential creditors to verify my identity before issuing credit in my name.

Identity Theft Report : I am in the process of filing a police report and creating an identity theft report, which I will provide to you upon completion.

I appreciate your immediate attention to this matter, as it has significantly impacted my financial well-being. Please let me know if you require any further information or documentation to assist in your investigation. 

This loan was apparently taken out online and was not done with my consent neither did I profit from any of these funds received. As a XXXX XXXX with no job I never had means during this time to even afford to re-pay such a debt with no job. I have my father 's death certificate in which he passed away from XXXX XX/XX/year>. I should not be legally responsible for a debt that 1. I never applied for, 2. I never benefited from 3. I should've never qualified for at the at of XXXX with no job to show the company that I had means to re-pay. Also, I never received communication from the creditor regarding this debt Absolute Solutions that they claim to have sent me. I would also like to see proof of that communication as well as MY Signature on documentation approving a loan. If payment was made it was not from MY account or from me.
Consumer complaint received 2024-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (NJ)

XXXX is refusing to direct deposit my cashback into my account. Not only that, they keep lying to me on recorded lines. I made my XXXX call today to them in this regards and XXXX refused to give me supervisor, straight off said he wont give me a supervisor. Made XXXX more calls before I could get hold of a supervisor called XXXX and he also could not give me a straight answer on anything. The reality is that this Comenity is such a garbage pile of a bank that even their own agents or supervisors dont know what is going on. They keep filling more and more requests without trying to figure out what happened with their previous requests. Please revoke their banking license.
Consumer complaint received 2024-09-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (NH)

Car was totaled in XX/XX/XXXX and my insurance company convinced me to file through them instead of the lady who hit me then wouldnt communicate with us at all. Then Westlake wouldnt allow me to buy it from them even tho it was still a drivable car and I could just fix it up little by little over time instead of being stranded with no vehicle or way to get to work. Allowed my insurance company to come take the vehicle so have been without a car for months lost our job and became homeless and all Westlake did was call us 20 times a day everyday since XXXX even after we talk to them and they lie about whats going on. I had to request online information on my gap coverage coming into effect because there would be no reason for them to call us if the gap coverage was supposed to cover the remaining balance on our loan after the insurance sent Westlake what they deemed appropriate I constantly called XXXX asking why I hadnt heard anything from them about the gap coverage or anything and they said in XXXX they filed a claim for us and that we would know shortly. Here it is XXXX and Im just now getting the information for the Gap and in the paperwork it shows Westlake didnt even file a claim until XX/XX/XXXX! 3 months after! And in my documents it says they received the insurance settlement on XX/XX/XXXX so why even after me and my husband kept calling to see what they needed from us for the gap stuff they never filed? Now they call us every single day 10-20 times a day and if I answer and talk to someone they still call us after the same day and the day after etc
Consumer complaint received 2024-09-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (PA)

I received a response from XXXX, XXXX and XXXX, regarding a request for debt validation. I only received statements nothing more.I am therefore requesting proof of ownership-bill of sale, or some document assigning or transferring the debt from the original creditor to XXXX, XXXX XXXX XXXX. If this debt was sold more than once am requesting proof of sale from lvnv funding  and XXXX XXXX XXXX 
It is my belief that sending past due bill is not sufficient to debt validation
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Account XXXX XXXX XXXXXXXX Account Number : XXXX Personal Information Previous Address ( es ) : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (IN)

This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me
Consumer complaint received 2024-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On Friday, XX/XX/XXXX, around XXXX XXXX, my wife, XXXX XXXX, and our sons, XXXX and XXXX XXXX, visited a Chase Bank branch to cash their XXXX XXXX XXXX XXXX  refund checks, totaling {$3900.00} and {$3800.00}, both issued by Chase Bank. After signing the checks in front of the teller and providing their Texas drivers licenses, they were informed that since the amounts exceeded {$2500.00}, the checks could not be cashed without an account. The teller asked if my wife had an account, to which she replied no, but I do. The teller then suggested that my sons could sign the checks over to me by having me sign beneath their signatures, allowing the checks to be deposited into my account. She mentioned a 24-hour hold on the funds. 

Following her instructions, my wife had me sign the checks, and they were deposited via ATM at XXXX XXXX. The receipt indicated that the funds would be available on XX/XX/year>. The next morning, I received an email from Chase stating that my account was restricted, prompting me to contact them. 

When I called, I was informed that a phone verification was necessary to confirm my sons ' identities. I provided their phone numbers, explaining that they are listed under my T-Mobile account, as they dont have separate bills. The verification failed since their names and addresses arent registered with Chase or XXXX. 

I requested to speak to a supervisor and was transferred to XXXX XXXX, who assured me that if I followed her instructions and brought my sons to the branch with their IDs, they would be able to unrestrict my account within 30 minutes. We visited the branch together, where we met with First Vice President and Private Client Banker, XXXX XXXX. He attempted to verify their identities via phone but faced the same automated verification issues. Despite having my sons present with valid identification, the bank representatives could not assist further and stated that my account could be closed if they couldn't resolve the matter. 

I have complied with every request from Chase Bank, yet I feel treated like a criminal, denied access to my funds, and now at risk of account closure. This entire experience has been incredibly distressing.
Consumer complaint received 2024-09-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (UNITED STATES MINOR OUTLYING ISLANDS)

I was scammed by someone claiming to be from my Time Share Company to send an international Wire Transfer to XXXX XXXX XXXX on XX/XX/year> for {$4500.00}. On XX/XX/year>, I realized that it was a fraudulent request. I contact Citibank to recall wire transfer. Citibank initiated a recall on XX/XX/year>. After again being contacted by the scammers for additional funds, I had to call Citibank several times to get updates on the status. After my third call, Citibank informed me that according to XXXX XXXX, there were no funds to be returned and Citibank said, there is nothing they can do. How can a Financial Institution as large as Citibank have no recourse for their customers? How can Citibank no protect their customers from fraud? Citibank has been sued in the past for this exact type of incompetence and it appears their policies have not changed. Does Citibank not have fraud insurance protection? How can Citibank allow recalled funds not to be returned? Financial Institutions like Citibank should not just shrug their shoulders and turn away from customers who experience this type of fraudulent behavior. Additional steps need to be taken to ensure that fraudulent funds are returned. Unfortunately, now I have to hire a lawyer to deal with this matter.
Consumer complaint received 2024-09-28
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: CITIBANK, N.A. (CA)

On XX/XX/XXXX i filed a dispute about a scam where I bought a item for XXXX that was never shipped out. Even though I have given them proof that the item was not shipped and the the seller deleted the website after I made the purchase they say I am responsible. They will also not give me the merchant response they have recived. I have tried to get this resolved with them for 3 months and they are completely unhelpful.
Consumer complaint received 2024-09-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC (CO)

Sold a product to a person on XX/XX/XXXX. They used Zelle to send the money. Total was {$120.00}. Zelle said sign up. I signed up, even though I had signed up before. Said money would be in my account in XXXX business days. Money never showed up. Bank ( XXXX ) has no record of transaction. I believe Zelle is holding it hostage. Trying to get it fixed before it gets sent back to sender.
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NJ)

After six ( 6 ) XXXX ground deliveries to Wells Fargo Bank CEO and XXXX XXXX XXXX XXXX and an executive of his, each delivery costing me {$15.00} and change, and literally dozens of letters, emails, telephone calls, and personal visits to its XXXX, New Jersey branch office, finally, at long last, XXXX, Wells Fargo Bank relented and cancelled SOME of its over-draft fees but : ONE : Some remain!

TWO : I expended at least {$100.00} on XXXX fees and postage and respectfully want and demand and request reimbursement in the sum of {$100.00} that so far Wells Fargo Bank by its employee XXXX the " Senior Premier Vice-President '' refuses to give! 

This is the same bank fined in penalties of more than a staggering {>= $1,000,000} by regulators and courts-of-law for knowing violations of the law! 

This is the same bank whose CEO and President XXXX XXXX XXXX announced to his employees and the XXXX community that there are not enough XXXX people to fill the jobs at Wells Fargo Bank! 

The very same bank that was the ONLY one of 22 other financial institutions that at first refused to pay XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Only XXXX and world pressed forced it to pay up! OUTRAGEOUSLY GROSS MISCONDUCT and vast disrespect for both the XXXX people and the memory of the XXXXXXXX XXXX  whom XXXX XXXX just because they were XXXX