davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Flagstar Bank, N.A. (NY)

About 18 years ago I had a mortgage with Flagstar Bank. They securitized and sold it to another servicer, but retained my PII. A few years ago, I was notified that my SSN had been compromised and offered identity theft protection services through XXXX. This week, I received yet another letter from Flagstar that it happened again. I don't understand why my information was held in their system so far beyond what is legally required. I want it removed from their system and am writing to the CEO as well. Please investigate their practices. Clearly, they are not managing customers ', or former customers ', personally identifiable information in a way that conforms with best practice.
Consumer complaint received 2022-11-03
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: EQUIFAX, INC. (NY)

for almost 4 years now, I had a credit card with XXXX.When XXXX announced that they will be leaving the XXXX last year of XXXX I was not able to see my credit score on my Credit report. recently I called one of the bureaus XXXX, and they said XXXX has not been reporting for almost a year. also called the bank the acquired my Credit card account from XXXX, XXXXXXXX XXXX XXXX XXXXXXXX and they told me after the first billing cycle I should be able to see my report. I am now on my 3rd Billing cycle and still do not have a score computed. This has affected me in my last 3 inquiries on my credit report, because I got decline 3 times because the institutions was not able to see my report and noted it as that i have no credit history. Also it stopped me from managing my credit because I can't see my score either.
Consumer complaint received 2022-07-10
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date : XX/XX/2022 On XX/XX/2022 I sent an investigation to the credit bureaus ( tracking numbers : XXXX, XXXX, XXXX ) to check every piece of information that complies with FCRA. They did not do a proper investigation in accordance 15 U.S.C 1681 section 603 ( 3 ) ( E ).

I am contacting you the second time because you claimed to have completed a reasonable investigation with the furnisher of information and ver
ified the account listed below as reporting 100 % accurate. In accordance to 15 U.S.C 1681 s-2 ( A ) ( 1 ) these accounts is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit profile and scoring. 


Account name : XXXX XXXX  XXXX Account number : XXXX I have previously requested that you investigate this information above and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

Account name : XXXX XXXX Account number : XXXX The account number above have previously requested that you investigate this information and you have failedto correct the errors you are reporting on my credit report. Now is not the time to update, I demandthat you IMMEDIATELY DELETE this inaccurate information from my credit report. 


Account name : XXXX XXXX Account number : XXXX The account number above have previously requested thatyouinvestigatethis information and you have failedto correct the errors you are reporting on my credit report. Now is not the time to update, I demandthat you IMMEDIATELY DELETE this inaccurate information from mycredit report. 


Account name : XXXX Account number : XXXX The accountnumber abovehave previously requested thatyouinvestigatethis information and you have failedto correct the errors you arereporting on my credit report. Now is the timeto update, I demandthat you IMMEDIATELY REMOVE LATE PAYMENT ( S ) XXXXofthis account as NEVER LATE frommycredit report. 

Account name : XXXX Account number : XXXX The accountnumber abovehave previously requested thatyouinvestigatethis information and you have failedto correct the errors you arereporting on my credit report. Now is the timeto update, I demandthat you IMMEDIATELY REMOVE LATE PAYMENT ( S ) XXXXofthis account as NEVER LATE frommycredit report. 


Account name : XXXX Account number : XXXX The accountnumber abovehave previously requested thatyouinvestigatethis information and you have failedto correct the errors you arereporting on my credit report. Now is the timeto update, I demandthat you IMMEDIATELY REMOVE LATE PAYMENT ( XXXX ) XXXXofthis account as NEVER LATE frommycredit report.
Consumer complaint received 2022-11-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (CA)

On XX/XX/XXXX I sent a request for debt validation to the debt collector ( Transworld Systems INC ). On XX/XX/XXXX they have not sent me a debt validation. They have missed the 30-day validation deadline and as such need to stop reporting the collection to the credit Bureaus and pursuing the debt in my name. As is my right under the Fair Debt Collections Practices Act. ( FDCPA )
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX AND XXXX XXXX XXXX XXXX  ACCOUNT # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (OH)

Hello- XXXX XXXX XXXX XXXX XXXX XXXX XXXX that uses Wise.com to make international payments to offshore contractors ( mainly programmers ). I made two transfers : 1.  XXXX XXXX for {$6700.00} 2. XXXX XXXX for {$5100.00} The money was withdrawn from my checking account on both occasions ( XXXX XXXX and XXXX XXXX respectively ), but I was informed the transfer was put on hold pending some documentation. I later received an email requesting verification of my co-founders birth date, that I promptly provided.

On XXXX XXXX I received an email stating everything looked good with my account. However my transfers have still not been made, and despite sending multiple emails and making multiple calls to the Wise customer support team, I have not been given any reason as to why the transfers have not been completed or where my funds currently are.

I believe this is a systematic problem with Wise as several consumers and small business have indicating that their funds have gone missing after attempting to using Wise : XXXX XXXX XXXX I urge the CFBP to kindly investigate their practices and help us consumers get back our hard earned money. Thank you. 

Best,
Consumer complaint received 2022-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BOC LLC (GA)

I received a text on my phone in reference to my free XXXX trial was active and they were going to draft my card for a monthly fee on the XXXX of XXXX. So I reached out to a so called XXXX number at XXXX, and they act as if they were XXXX and they logged into my XXXX account without my consent, and I was able to see my account with all of my debit cards info. Then they needed to do a few things to verify me, so it sounded suspect, and I ask why did all this need to be done to cancel a simple subscriptions, he told me some lame stuff like all this had to be done for the first time to make sure all my info was not used. So he logged into my phone app, and he as which card usually pay for thing with on XXXX, and I told him because my XXXX account was open on my screen. Then he asked for my full debit card number and I did verified that and he kept asking me to logged into my bank account from my phone and told him I will not never do that. Then I start to questions why was this taking so long to complete a simple task and he kept saying it needed to be done one time only. Then he ask me to go to play store and add a pay app for verification and I did, and then afterward I got real suspect, and he told me that there were going to be a transaction on my account that was gon na be debit and credit back. They also asked to up load a picture of front and back of DL as part of verification. Then he said log into your account and I did on my pc, and two entries were taken out. So I told him I did not authorize him to do any transactions on my account and that I was gon na call my bank fraud department, which I did, and cancel the transactions and the debit card. But he kept saying that it would be credit right back, but did not explain why the transactions was needed to verify my XXXX account. So I have reach out to XXXX, and the XXXX company that I did downloaded to my phone for the fraud transaction to let them know these debit entries should have never taken place. I was told that these were needed to verify my debit card with XXXX. I also told them that my bank fraud will be contacting them as well on these unauthorize transaction.
Consumer complaint received 2022-11-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (VA)

To whom this might concern, My PayPal account is now permanently limited and currently has more than {$1100.00} that I couldn't withdraw for 180 days. 
On XX/XX/2022, at XXXX XXXX, I received an email from PayPal, with the title " You can no longer do business with PayPal ( Ref ID - XXXX ) '' and there was no in-depth explanation why. 
On XX/XX/2022, at XXXX XXXX, I emailed XXXX to inquire about the reason and seek help. No response was made for this attempt. 
On XX/XX/2022, at XXXX XXXX  I emailed XXXX to inquire about the reason and seek help. No response was made for this attempt. 
On XX/XX/2022, at XXXX XXXX I emailed XXXX again with more explanation on my side, hoping that someone can reply. No response was made for this attempt. 
On XX/XX/2022, at XXXX XXXX, I emailed XXXX again with more explanation on my side, hoping that someone can reply. This time I received an automated reply, but no other than that. 

All of my attempts to contact PayPal regarding my PayPal account were met with unhelpful responses. 

XXXX, CFPB can help escalate this issue to PayPal, I really hope to get my accounts back and continue my relationship as a customer with PayPal Inc. 
I have been nothing but respectful toward the company and would really appreciate it if they can resolve this issue. 
I will attach as many documents as possible ( my attempts to contact the company through emails ) I appreciate all the help and response I could get, thank you very much.
Consumer complaint received 2022-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I am the victim of Bank Employee Impersonation Fraud. On XX/XX/2022, I was contacted by someone impersonating a Wells Fargo employee. This person communicated to me that my account had been hacked and subsequently successfully stole nearly {$23000.00} from my business account via a wire transfer. Although Wells Fargo has indicated that I am a victim of fraud and has cited multiple reason why that answer is justified. They have refused to give me my money back. This is unacceptable and must be looked into. This money belongs to XXXX XXXX XXXX and will be used for XXXX  in the XXXX. I have responded to every request that Wells Fargo has made, including sending a copy of my text messages.
Consumer complaint received 2022-11-03
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: G&P Enterprises, LLC (CA)

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX Allied Trustee Services XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX CA XXXX XXXX No. XXXX XXXX XXXX represented HOA with foreclosure sale of real property in XX/XX/XXXX without a recorded lean on property. 
XX/XX/XXXX 3 years later after foreclosure sale was completed filed a new money judgement with same case file in XXXX XXXX XXXX XXXX for debt that was already satisfied in bankruptcy and foreclosure sale in another County. Past the reclamation time and deliberately, knowing, and unethically pursued to do so. 
XX/XX/XXXX Illegally Levied my bank account 3 years after representing XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Ca XXXX XX/XX/XXXX Currently still dealing with this company, after winning my case, and paying my attorney to get the money back that they illegally levied back and still trying to get this vacated due to negligence and fraudulent practices. 
These fraudulent practices and unethical tactics need to be published and brought up to the public for the unfair practices, consumer violation rights etc. and be stopped and investigated.
Consumer complaint received 2022-07-10
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. (GA)

There are XXXX fraudulent accounts showing on my credit report that was not authorized nor opened by me. I have done my part by filing a police and identity thief report. I have agreed to press charges should the person or persons be located who used my identity. I am now requesting the following accounts be remove from the credit report XXXX XXXX account XXXX opened in XXXX of 2020 was not opened by me. XXXX XXXX account XXXX was not opened by me. I am not sure how these accounts were able to be opened because I can assure you they did not have XXXX forms of id. Please deleted the following accounts from the credit report being that they were opened fraudulently and not by me
Consumer complaint received 2022-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (WA)

I had fraudulent transactions on my checking account. Once Citibank verified they were fraudulent the funds were returned to my account. I received a letter on XX/XX/2022 stating they were closing my account. My account contained {$1000.00}. In their letter they state within sixty days any funds in the account would be issued a check mailing to the address on the account. In XXXX I contacted Citibank to find out the status of my account and was told a check was mailed. In XXXX I contacted the fraud department and was told my account was being sent to the closure department and they had sixty days to close. I asked why was I told in XXXX that the check for {$1000.00}. I was placed on hold and when they returned they stated that they could no longer speak with me and hung up. I called several other times and was told they could not speak with me and hung up. In XXXX I tried to contact Citibank through their automated system but could not identify my card number or my social security number. There were no physical XXXX in the XXXX XXXX. I have had a financial report ran and the {$1000.00} was listed. In XXXX I wrote a letter and provided all of my documentation and have not received any response.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

XXXX reports a bankruptcy on my report from the state of Connecticut. XXXX did not verify the information with the court but with Lexus Nexis. Lexus Nexus did not verify the information directly from the court per federal statue. XXXX and Lexis Nexus is posted of a XXXX is either a mistake or a lie. I have asked them to remove it as it's in violation of validating information.
Consumer complaint received 2022-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

I use the Wells Fargo Bill Pay service to pay the rent for my apartment. The money is withdrawn from my checking account before the paper check is mailed to my landlord. 

Wells Fargo issued a stop payment on my XX/XX/2022 rent check without my authorization. 

Wells Fargo notified me of their stop payment decision via email on XX/XX/2022. I reached out to Wells Fargo via telephone about this issue on XX/XX/XXXX. On XX/XX/XXXX XXXX Wells Fargo employees ( XXXX, XXXX, and XXXX XXXX verbally stated that per my request, the stop payment had been rescinded. Despite these assurances, my landlords money was returned to my checking account on XX/XX/2022.
Consumer complaint received 2022-11-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (IL)

Hi I am Im making this complaint against I.C. SYSTEM, INC for identity theft. I have never given I.C. SYSTEM, INC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until I.C. SYSTEM, INC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and I.C. SYSTEM, INC continues its collection efforts, I will file for litigation for actual damages caused and I.C. SYSTEM, INC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.

The credit reporting agencies were notified this account is result of identity theft.
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SYNCHRONY FINANCIAL (CT)

Hello- I would like to lodge a complaint about this credit company - I bought a pair of boots for approx {$65.00} - it was with TJX and it was a new store so I filled out an application for a new account with all of my personal information - email address, phone number etc. I was approved and bought the boots. 
Then we moved - all of our creditors bills were sent to the new address and everything was paid on time. Except with this company. 
The parent company if Synchrony Bank and I have other accounts with this Bank ie JC Penny - so they have many ways to contact me. However, I never received a bill from TJX.

Because I never received a bill, TJX started to add on interest charges and two years later I receive a letter from XXXX XXXX that I now owe {$180.00}. 
I have tried to negotiate a more reasonable amount like {$75.00} or whatever but this is highway robbery and it is unethical. If it has happened to me then it has probably happened to others - I am XXXX years old and this may be happening to many seniors in our country.

I would like to find a resolution to this matter. Please help. 

XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX
Consumer complaint received 2022-11-03
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK (OR)

I attempted to open a Savings Account with Discover Bank and was denied due to issues with their identity verification process. For reasons their representative can not explain other than " It's policy '', they are unable to validate me against an existing Discover credit card account that is in good standing. They will not open the account unless I send notarized documentation to them. I offered to send them photo ID ( US Passport ), offered them additional phone numbers to validate against, they refuse and insist on the notarization process. I do not feel I should have to pay money to a notary to open a savings account, particularly with an institution that I already have an established and very positive relationship with. The need to validate my identity is understandable, given the threat of identity theft, but they should have a process in place to accomplish this that does not cost their customer an undue amount of time or money. This is particularly frustrating given that I already have an established relationship with them on the credit card side of the business and can not simply open a new account off that established relationship.
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: USCB Corporation (MS)

In XXXX I XXXX XXXX enrolled in XXXX XXXX to acquire a certification in XXXX XXXX.As I progressed in the course of study, Unfortunately I acquired XXXX in XXXX. I subsequently notified The XXXX  XXXX. The XXXX XXXX  assured me they would cancel my account. Due to the reports I received I was not going to make it due to my condition. In the XXXX XXXX my account was canceled. But my account was sent to USCB XXXX XXXX Its on my XXXX XXXX XXXX XXXX and XXXX  Reports. I called XXXX XXXX and inquired as to why and how was this done. This collection agency never called me, never tried to reach me I called them asking for validation. Also I asked for itemization of the bill.Never received validation or itemization.
Consumer complaint received 2022-07-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I had a mortgage with wellargo bank and wells Fargo is stolen XXXX from my mortgage account on the escrow account. the case is in court now and wellsfargo refuses to give a fair review on my account though I asked multiple times now. it is the obvious reason wellsfargo donot wany=t justfy reasons for fake charges. I need help because the court is not responding on my case now. I lost $ XXXX on this no settlment reached now.. I can provide all evidence that have with me. please talk to me before closing my account