davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CO)

My complaint sent XX/XX/28 was me very frustrated after learning that the issue I had with Flagstar was allowed to be closed because Flagstar made the changes to my mortgage agreement and had a lawyer sign an affidavit to get around my signature ... Flagstar NEVER told me the issue with the contract and decided to change it without my consent because I kept asking them to send me a letter explaining the issue so I could take it to a lawyer and they REFUSED for months of my requests to do this and so I contacted you because you need to actually help not just let Flagstar tell you lies... I am XXXX XXXXXXXX and can not make decisions over the phone by myself... I need it in writing so I can get legal advice and they denied me that which is a violation of the Americans with disabilities act and I am going to pursue charges for them acting on my behalf to change my mortgage without me involved
Consumer complaint received 2022-09-27
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. (NY)

To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the XXXX XXXX XXXX please I request you to stop them with their misinterpretation of my consumer report. Thank you
Consumer complaint received 2022-07-31
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. (AL)

accordance with the Fair Credit Reporting act XXXX XXXXXXXX Bankruptcy Acct 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 accordance with the Fair Credit Reporting act XXXX Bank 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 2022-12-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

I have to wire approximately {$190000.00} to my closing agent for a down payment on a house. The closing is set for XX/XX/2023 at XXXX XXXX. I have to break the wire into 4 transactions because CITIBANK allows only {$50000.00} transfer per day. The first approximately {$49000.00} completed quickly. The second wire, {$50000.00} was placed on temporary hold. I contacted CITIBANK customer service regarding the urgency of my situation. I was told that that's a corporate policy and nothing can be done other than an email which my or may not be looked at. 

I need all of the holds removed ASAP.
Consumer complaint received 2022-07-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Incomm Holdings Inc. (KY)

i had a XX/XX/XXXXvanilla prepaid card that i have had a direct deposit of {$320.00} a XXXX sense XX/XX/2022 every XX/XX/XXXXi would go to aXX/XX/XXXX an withdraw {$300.00}. becauseXX/XX/XXXXvanilla would charge me XXXX cents per transactions everything was fine as far as i know in XX/XX/2022 XX/XX/XXXXvanilla overdrew my acount {$800.00} when all oi had in my acount was {$1.00} they said is was because of XX/XX/2022 they did not put a hold the withdraw butt it makes no sense because in XX/XX/2022 when my depost went in i went an withdraw my {$300.00}. that left {$25.00} in the account i did the same thing XXXX an XXXX same than then by acciendent i pulled my account up an seen someone had overdrawn a prepaid card for the total ammount of {$800.00}. when i called an asked about it they said that XXXX XXXX  did not get there money for the XXXX  of XXXX for the ammount of {$300.00}. an another {$200.00}. in the same XXXX  they also said that XXXX XXXX did not get there money for the XXXX  of XX/XX/2022 so i qustioned XXXX XXXX an they said that the XXXXvanilla did not put a hold on there money this was not my falut XXXXvanilla should have had a hold on there money but someone did not do there job they even went aganist the card agreemeet severle times they went over the 60 day priod ihave been hung up on 3 out of 5 times the bank # is no good says its disconneted they did not put ahold on the amounts that they say is overdrawn one of thre repes said i went into the bank on XX/XX/2022 an withdrew the ammounts over drawn i was not in the bank on that i day nor did or could i over draw on a prepaid card i feel someone should have contacted me about this matter but instead they waited 120 day to pay back a debdt that should have been on hold i do not feel responsiblle for this evrytime i call custermer service i get hung up on i have 4 differnt bank statments one when i seen the overdraft one after i called them an the 2 they sent me an they all 3 are differnt i feel they should stand good for the over draw because they are the ones that let this happen they broke the card agreement when they didnt hold the money in XXXX an XXXX no one noffied me me of anything being wrong when i qustioned XXXXvanilla about this matter she said would be notified in 30 to 60 days really this crazy an i do not feel responable please help me with this matter XXXXvanilla said you can not overdraw a prepaid account but yet they overdrafted me 120 days later please help
Consumer complaint received 2022-07-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo off of XXXX XXXX XXXX  in XXXX Arizona sent a letter to my sister 's home on XXXX XXXX XXXX XXXX XXXX Arizona telling me XXXX XXXX that they had a refund in my account for XXXX dollars .I DONT HAVE ANY BANK ACCOUNTS AND NEVER OPENED A BANK ACCOUNT AT WELLS FARGO I SPOKE TO A BANKER AT THAT BANK AND TOLD HIM I WANTED TO KNOW WHO WAS USING MY NAME AND CHECKING ACCOUNT TALSO TOLD THEM I WANTED CHARGES PRESSED AGAINST WHO EVER WAS USING MY NAME FOR ACCOUNT AND NEVER DID THEY CONTACT ME ALL THEY DID WAS CLOSE THAT ACCOUNT I WISH TO FILE A LAWSUIT AGAINST THEM FOR DOING THIS TO MY LIFE AND MY IDENTITY XXXX XXXX XXXX XXXX  XXXX WELLS FARGO BANK XXXX ARIZONA
Consumer complaint received 2022-07-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Klarna AB (CA)

Early in 2021 I decided to use Klarna to purchase an electric skateboard. They offered financing that seemed favorable at the time. There was a dispute with the merchant which I reported to Klarna. This event triggered the auto pay that I set up to be paused. The dispute was eventually resolved and I received my skateboard. Since their system automatically disabled my auto pay it was a reasonable assumption that their system would also reactivate the arrangement. Little did I know that I was falling behind on payments. 

In the meantime, after the fairly positive experience, I made several other purchases using Klarna. Their app aggregated the monthly payments of the various transactions I made using Klarna. Over several months, I received emails stating that my payments were being deducted and I received an email every time I paid off a purchase. 

Several months after I made the skateboard purchase I received an email or call notifying me that I had been sent to collections. As far as I knew, I was making the payments for all the purchases I had made. If Klarna had sent emails regarding the skateboard purchase was falling behind they were overshadowed by the successful payment emails that implied my good account status. Klarna did not contact me before putting my account in collections. Of course I initiated a dispute but they had already referred me to a 3rd party so it isn't surprising that my dispute went nowhere. I should also point out that while I was missing payments to that single loan, Klarna continued to offer me higher and higher purchase amounts and approving transactions ; this further contributed to my perception that all was well. 

They claimed that I stopped the payment agreement to that initial loan. They however can not provide proof that I authorized any such action. On the other hand, I have an email that was sent to me when I initiated a dispute against that merchant that explicitly says that they were pausing my payment arrangement. They screwed up and then sent me to collections without notifying me. They have not taken any steps to undo their referral to collections.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

There Is an account being reported by the Creditor in Which I Did not open or authorize to be opened. I Have reported this several times to the creditor in hopes that they would Investigate and remove this account from my report.
Consumer complaint received 2022-12-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

XXXX continued. 
WF is gaming your process. See all comments in the feedback of the complaint. The loan should have never been initiated and I was forced to close on the HELOC loan. The builder XXXX XXXX and the inhouse WF XXXX XXXX XXXX XXXX XXXX XXXX  forced me to close on a property that should never have been initiated I seek mediation of the issues. 
The mediation process with WF was misleading and their statements are not rue. There was no pre- mediation offer. The Mediation and all parties refused to discuss other issues beyond a diversionary CHECKING account, that in the big picture is just a small issue. The WF representative and the mediator insisted that ONLY the CHECKING account would be addressed during the mediation. WF after the meeting stated that all issues were resolved which is a falsehood. 

Please address all issues related to this loan and bring the truth forward and hold this corrupt bank accountable for their fraudulent behavior and banking practices. WF is white washing the issues and repetitively stating falsehoods. 

Thank you.
Consumer complaint received 2022-07-31
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. (MS)

In accordance with the fair credit reporting act the list account below has Violated my federal protection consumer rights to privacy and confidentiality under 15 USC 1681 section 602 A
Consumer complaint received 2022-12-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

A lady sent me a message " by accident '' through XXXX. I tried to redirect her to the probable correct area code, and she thought I very nice to do that and started chatting with me. After several days of nice chatting, she mentioned that she was working with some computer installation people, and invited me to try a little Crypto Trading on the XXXX webste. It sounded harmless enough, and she led the way by providing Screenshots with every spot to click on identified, and she made the Trading experience fun and very profitable, by her following a sequence of trend lines and buying/selling nodes, and instructing me when to buy or sell various types of crypto. We usually traded XXXXXXXX XXXX XXXX XXXX XXXX, and we did exceptionally well. About 2 weeks in, she guided me to withdraw {$5000.00}, and that process went well. She often encouraged me to add more Principle so I could make bigger profits. I told her I was fine with the current profits at that time, and she finally convinced me to invest more in early XXXX. By the last week in XXXX, my assets were up to {$890000.00}. She said she wanted to teach me how to withdraw funds, and asked me to withdraw it all. I tried to do it, and forgot my Fund Password, and needed to change it. Because I did that, XXXX said that it triggered a possible scam or hacker alert, and that I would need to Deposit 25 % of my Assets to ensure that it was me operating the account. they stated that the 25 % Deposit would be part of my withdrawal. Because I had just inherited some funds from my late XXXX, I was able to pay another {>= $1,000,000} to prove that I was me. Again I tried to make a Withdrawal, and then they asked for another 5 % of my Total assets so they could collect the Personal Income Tax on my withdrawal and forward it to the IRS. I tried to explain that Personal Income Tax is paid on Income or XXXX XXXX, not on my Cost basis or additional Fees or Deposits. Unfortunately their Online Customer Service Computer was incorrectly programmed, and it repeatedly said the 5 % Personal Income Tax was based on the Total Assets. As there is NO Human interaction available to support their Online Customer Service system, paying another {$50000.00} was out of the question. I invested a total of {$300000.00}, + the {$220000.00} Security Deposit for a total of {$520000.00}. I am just sick over this, and have lost most of my life savings. I had transferred all of my funds using my Bank - Wells Fargo. Not once did Wells Fargo warn me against the investment nor did they question my sudden changes in the way i withdrew and made big investments.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY (CO)

I filed for XXXX XXXX  bankruptcy and XXXX XX/XX/2020 and included Wells Fargo bank. I have notice that a certain creditor is continuing to report negatively in violation of the bankruptcy terms or is incorrectly reporting a debt as not XXXX. This has really been stressful on my situation causing me to be denied opening a checking account.
Consumer complaint received 2022-07-31
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)

On XXXX I Checked all three Credit Reports from XXXX, XXXX Equifax Online at XXXX I noticed several fraudulent Accounts, Names, Addresses and Phone Numbers, someone apparently obtained my personal info and used it to open fraudulent credit accounts in my name! 
XXXX Accounts : XXXX. XXXX XXXX BANK XXXX. Acct XXXX Opened XXXX XXXX. XXXX XXXX XXXX Opened XXXX XXXX. XXXX XXXX. XXXX XXXX Acct XXXX Opened Unknown XXXX. XXXX XXXX XXXX Acct XXXX Opened XXXX XXXX. XXXX XXXX  Acct XXXX Opened 2018 XXXX. XXXX Acct XXXX Opened Unknown Fraudulent Names : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Addresses 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 Fraudulent Phone XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX Fraudulent Employment Names : XXXX. NJ XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-12-08
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (NY)

on XX/XX/XXXX, i bought a motorcycle tank on XXXX from a seller name XXXX XXXX XXXX XXXX XXXX ) for {$950.00}. The seller described the tank for being for a XXXX XXXX monster XXXX after buying and sending it to the shop, the mechanic told me that the tank does not fit my bike and that it was wrong. i then told the seller who admitted to sending the wrong tank. they wanted me to mail the tank back to them which would be the equivalent to the tank price over seas. i refused as it was their mistake. i told chase bank that the seller wronged me and that it was their fault. i also had proof of the dispute. Chase bank closed by dispute simply by saying that the seller sent the product. they didn't take my evidence into account. I lost alot of money and i want it back. please help me. my chase claim number for this dispute is XXXX.
Consumer complaint received 2017-04-26
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: EQUIFAX, INC. (TX)

Upon being denied from a lender for " too many inquires '' from   XXXX   report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquires on my  XXXX  credit report that I DID NOT authorize and had no knowledge of. I contacted   XXXX   immediately and was given no relief. I alsp have a fraud alert already in place which should have avoided any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.    1.    XXXX   XXXX    XXXX / XXXX / XXXX  and  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  /i am currently waiting for the other  XXXX  credit bureaus to respond to my request.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (VA)

I paid an agreed a pun amount between myself and Macy`s for credit card debt. After I paid them they sent a letter dated XX/XX/XXXX stating my account balance is XXXX. On XX/XX/XXXX they reported to all credit bureaus that I owed a high amount of debt.
Consumer complaint received 2022-12-08
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. (SC)

i have contacted XXXX, Equifax and XXXX about medical collections reporting on my credit report. i did contact the companies in which they did not and would not provide me with any validation of the debt they claim i owed. I am also aware that the company and credit bureaus have not been complaint with HIPPA, and that my rights have been violated under HIPPA.

Additionally i am allowed under HIPPA law TO PROTECT MY PRIVACY AND MEDICAL RECORDS FROM THIRD PARTIES! I did not give XXXX XXXX XXXX permission to release my medical information to a third party! I am aware that HIPPA does allow limited information about me but anything more is to be revealed with my authorization as a patient. 
After contacting XXXX, the company stated the medical debt has been verified but i did not recieve -A VALIDATION OF DATE and HIPPA AUTHORIZATIONS -DID NOT RECIEVE ANY BREAK DOWN OF FEES AND CHARGES, INCLUDING ANY COLLECTION AND MEDICAL COST. 
- DID NOT RECIEVE A COPY OF MY SIGNATURE WITH THE PROVIDER OF SERVICE TO RELEASE MY MEDICAL INFORMATION TO THESE COMPANIES
Consumer complaint received 2022-09-27
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (AZ)

Hello, I applied for a Costco- city bank XXXX credit card. One week later when I called to check the status, they asked me to send my free card or ID through email!!! I told them email is not a safe and secure way for sending sensitive information pease give me a safe and secure Chanel. Even asked to talk with a supervisor, They gave me 3 options 1. Email 2. Mail 3. Fax I tried to explain to them that none of the channels are safe and secure for sending private sensitive data and this is not ok if you are collecting your customers data through these channels, I asked them to give me an office so I can go there and give them my document in order to make sure my data will be kept safe and secure which unfortunately they dont have any branch, institute or office in Arizona XXXX I believe sending ID, US passport, XXXX via Email or Mail or Fax is not safe or secure at all! Citibank is working like this! Im afraid they are putting millions of people in danger because they dont have a safe and secure channel for requesting and receiving sensitive data! I wanted to report this and really wish you teach them that its not the secure way and inform them that they are putting millions of families in risk of identity thefts and scammers buy collecting these data through unsecured channel. 

Note1 : I'm not a customer yet. 
Note2 : I've tried to contact them through different channels, no luck, they are not willing to do anything Note3 : I opened another complaint on XX/XX/XXXX, with number XXXX | it's closed because of Authorization needed STATUS Company responded there is an unauthorized third party on XX/XX/2022 I authorize them to proceed with my application and anyway there is no data to authorize as I have only filled an appication and I'm not a customer. 

CFPB please note I'm reporting a miss handle and missuse of customer privacy. 
It's not about my case, I will never use a bank like city bank which doesn't care about the security of my information but I want you to investigate and force them to care about their customers data.
Consumer complaint received 2022-12-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC (CA)

My loan rates are at XXXX XXXX also I dropped a {$3100.00} down payment on a car listed at only {$15000.00} also the dealer lied on the application and said it was XXXX payment but it was a split payment. They never offered me the cancellation contract but forced me to buy the {$2000.00} warranty from their company. The list goes on.