davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

On XX/XX/XXXX I got a call from my XXXX XXXX my mortgage company saying that the call was concerning about my payment that I was behind 3 months, I told the lady that that was impossible because I send {$9300.00} on XX/XX/XXXX and the check already clear the bank on XX/XX/XXXX. She ask me to provided copy of the bank statement and I complied with their request. 
The next day I got a call from XXXX XXXX  and they thank me for sending the bank information. 

They notice that the check was paid by XXXX  XXXX XXXX on XX/XX/XXXX to SPS ( Select Porfolio Servicing ) Select Porfolio Servicing is my second mortgage company. 

I call Select Portfolio Servicing on XX/XX/XXXX and told them about the mistake I made that I sent a check payable to XXXX XXXX  with XXXX  account number in memo and SELECT PORFOLIO cash the check and never give me any credit. I ask to please return the money because i was facing foreclosure and the response was it will take 30 days for them to investigate. I told the lady that I am not on the position of waiting 30 days. She told me I am the one who make the mistake not then and they have rules to fallow. 

On XX/XX/XXXX I when to XXXX XXXX XXXX to found out why they paid a check for {$9300.00} to a different entity and they did and investigation and on XX/XX/XXXX the bank give me a temporary credit for {$9300.00} then on XX/XX/XXXX i got a letter from XXXX  XXXX XXXX stating. Unfortunately, we are unable to approve your recent claim because The merchant 's bank provided documentation showing proof of my authorization. XXXX  XXXX XXXX recommendation is for me to contact the mortgage company direct. 
I contact SELET PORFOLIO on XX/XX/XXXX and they told me that on XX/XX/XXXX they overnight via XXXX  a check for {$9300.00} they can't provided me with a tracking # today XX/XX/XXXX check never got here. Can I get help on my situation. now if I don't paid my mortgage at XXXX they are sending paper for foreclosure on XX/XX/XXXX. XXXX  in helping us but everything has a limited. Thank you
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

15 U.S. Code 1692j XXXX XXXX XXXX XXXX is furnishing false and deceptive forms indicating inaccurate data which causes harm to my status. They allege I owe Them a debt, which is inaccurate.
Consumer complaint received 2022-08-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc. (FL)

I was originally contacted by a private investigator named XXXX who claims that he is investigating my business he needed to verify my address which was incorrect and he called me on my personal cell phone. He notified me that my bank will be contacted, assets will be looked into and all of my vendors will be called. After I gave him my business address and phone number he told me that I owe a debt to a huge client of his that is located in Texas I asked him who it was and he notified me it was XXXX XXXX of XXXX XXXX and XXXX. I ask for contact information and he gave me his phone number XXXX. I called XXXX XXXX and he had no recollection of my account after giving him my full name and the business name he said he will do some investigation. After about 10 minutes he said that I owe {$3000.00}. For which I said another company called McCarthy Burgess and Wolfe claims I owe {$2400.00} I said this cant be true one account get cant get sold to two different collection agencies and I have to pay both. He notified me that occur McCarthy Burgess and Wolfe was a fraudulent company and that he now owns the account. Ill ask for validation and proof of ownership of this account and he said that his account is accurate and he can only provide a generic email and nothing else. I contacted XXXX XXXX and they claim I dont owe anything at all and nothing has been sent to collections. Theyve also notified me that there are a ton of scammers and I said this is not OK and we have to work this out. I later received a call back from XXXX XXXX who said that the XXXX was accurate I now have an email from him stating that I/O McCarthy Burgess and wolf {$16000.00} however McCarthy Burgess and Wolfe claim that I owe {$14000.00} {$.00} and another {$2400.00} neither company has provided me with invoices from XXXX and Im not sure which company to work with especially since XXXX XXXX told me that McCarthy Burgess and Wolf hes never heard of and not to work with him not sure how he got the dollar amount of {$16000.00} if he doesnt work with McCarthy Burgess and Wolf .
Consumer complaint received 2022-08-24
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: CITIBANK, N.A. (IL)

On XX/XX/22, XXXX XXXX submitted a fraudulent invoice reference # XXXX for {$1700.00} to be charged on my Citibank credit card. There is no contract signed by me to justify this invoice. There was also an invoice submitted for {$350.00} which has the last two of someone elses drivers license # with my name on it and has the same reference #, XXXX as the invoice for {$1700.00} On XX/XX/22, I disputed the charge with Citibank and forwarded a signed contract with reference # XXXX which matches the reference # on the invoice for {$520.00} I was promised on Monday, XX/XX/22 by XXXX an analyst in the President department for Citibank that {$1700.00} would be credited to my account in two days. Citibank is now refusing to reverse the charge and advised me the merchant has declined to return the funds but they had no problem funding a fraudulent invoice.
Consumer complaint received 2022-08-24
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. (GA)

I am a Natural, living person. I have rights under the 15 USC 1681.

Equifax is governed by 15 USC 1681. And they have violated my rights numerous times. i demand the account listed below to be removed because According to 15 USC 1681 : I have the right to privacy and furnish, I did not give Equifax written permission to furnish these accounts.

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

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not report 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. 


Accounts 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 2022-08-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

My account was overdrawn by {$110.00}. i transferred XXXX from XXXX  and another {$80.00} was sent through XXXX  to my account to {$7.00} in the positive. I woke up to me about being XXXX in the negative. Now they are trying to charge me another overdraft fee even though my account was in the positive by XXXX.
Consumer complaint received 2022-08-24
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: CAINE & WEINER COMPANY, INC. (TX)

In Accordance with the fair credit reporting act XXXX  account numbers XXXXXXXX Caine & weiner {$250.00} XXXX XXXX XXXX XXXX {$540.00} XXXXXXXX  U.S. Department of education XXXXXXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$500.00} 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 2022-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

I applied for a credit card with Union Bank XX/XX/2021 ; never received a reply ; no card to activate. Little did I know, an identity theft had already occurred. Charges were allowed on the card for more than 2 months! I wound not know because no statements were mailed to me. I blame Union  Bank for letting its guard down maybe because I had a high credit rating XXXX. No verifying my identity, allowing the fraudulent user to steal my identity, proceed with anomalous multiple purchases and cash advances in just 2 days without any check or verification that it was indeed me ; no text no phone call, no alert, at all. 

Unknown to me, transactions amounted to almost {$18000.00} have been accumulating from XXXX XXXXXXXX XXXX, using up the credit limit of {$15000.00} and then some. This is obviously a red flag that Union Bank did not do anything about. I have copies of 2 monthly statements which by the way were not received in the mail - I had to request for them late in the game. Month after month, interest and late payment charges were leveled against the account with this high balance, which by then in XXXX came as a big shock when I finally got the statement mailed to me. All this time, I thought my application for the credit card in XXXX was denied and forgotten. 

I personally went to the bank in XXXX, to tellers, to account managers to have the whole thing rectified and in earnest time. Nothing happened immediately but eventually got a letter from Fraud Dept stating that the matter is under investigation, after so many calls and hours of waiting in the call answering system. 

I don't even know the full account number, just the last 4 digits that show on the statements. From my multiple calls with Union Banks representatives over the months, I was able to gather the first 6 digits of the account number and a phone number associated with the perpetuator. No follow up at all from Union Bank until now that I've sent letters to all three credit bureaus and CFPB. XXXX XXXX Bank now asks for a police report which I immediately mailed to them today, XX/XX/XXXX. I will be giving updates right after anything comes up.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CO)

XXXX XXXX XXXX account # XXXX is showing as a closed account on my credit report. This account is full of inaccurate information such as my correct legal name, address, as well as false signature. 15 U.S.C sec. 1681i ( a ) states that a thorough investigation must be conducted by the credit reporting agencies providing all accurate proof of the legitimacy of this account or it is to be deleted. I have no idea who did this. 15 U.S.C 1681 also states that credit reporting agencies have a obligation to report fair and accurate information as I also have a right to privacy and confidentiality protecting me from false, inaccurate or incomplete credit reporting that is damaging.
Consumer complaint received 2022-08-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (TX)

I was looking at my consumer report, XXXX, Equifax, XXXX and saw a debt collection reported in accurately. I did not receive any documentation from the company nor did I give permission to release any of myl information to this company. This debt collection company has violated my rights.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Prosper Marketplace, Inc. (FL)

On or about XX/XX/2022, payment of {$800.00} was made on loan XXXX with the business. Payment has cleared and posted to my banking account on XX/XX/2022. As per the website of the business and my online account, the loan is paid off in full with a XXXX balance. Since, open accounts with balances can have an effect on credit scoring, the business should update this information upon receipt of this complaint with all major credit reporting repositories that it reports to.
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FCRA violations : inquires not mine XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX Dispute this Address Date of inquiry XXXX XXXX  XXXX XXXX XXXX, VA XXXX XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXX View account details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX XXXX XXXXXXXX TX Date assigned XX/XX/XXXX XXXX XXXX  XXXX : XXXX View account details Account status Age of Account Late payments Closed 1 year 8 months 6 days 2 Other ( XXXX ) XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 2 years 1 month XXXX XXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed 5 years 1 month 6 days XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 7 years 11 months 30 days XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 11 years 28 days XXXX - XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 15 years 1 month 11 days XXXX XXXX XXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed 3 years 1 month 8 days XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 3 years 7 months 17 days 5 FCRA violations XXXX payments never late XXXX XXXX XXXX XXXX View account details Account status Age of Account Late payments Closed 7 years 9 months 11 days XXXX XXXX XXXX / XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 3 years 4 months 15 days XXXX XXXX XXXX  XXXX : XXXX View account details Account status Age of Account Late payments Closed 3 years 1 month 6 days 4 FCRA violations : accounts not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Dispute this Previous address XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, LA XXXX Dispute this
Consumer complaint received 2022-08-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NJ)

Purchased {$6300.00} worth of goods XXXX & XX/XX/18 and charged to my Lowes account. Did not receive the generator until more than a week later. Before even receiving a bill in the mail, I paid {$6000.00} and posted a {$29.00} refund. At this time the balance was {$350.00} which I always pay off completely upon receipt of the bill. 

I was surprised to see an interest charge of {$110.00} on a balance of {$350.00} resulting from purchases that weren't even 30 days old! 
I called Synchrony Bank to complain and they removed the interest. 
I am filing this complaint because this is the second time in the last few months that I have been over charged interest. 

I have attached the bill and request that you review the method of calculating interest they are employing.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was checking my most recent credit update and I have notice that XXXX account number XXXX is reporting a negative on XX/XX/2022. I have Closed and Paid XXXX in full on XXXX XXXX. I have attached the payment confirmation and my drives license. The information reported is incorrect and damaging. I need this investigated and addressed as soon as possible, Please and Thank you!
Consumer complaint received 2022-08-24
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. (GA)

My name is XXXX XXXX XXXX. I have been a victim of ID theft for about a year now. I have tried to do the right thing by reporting my information stolen, etc. yet the credit companies continue to report a few of the items involved in the ID theft as correct or accurate. Pls assist me in having them correct it. Thank you
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I noticed there are several incorrect, obsolete and unknown addresses reporting on my credit reports. I have sent two letter to all the credit reporters on XX/XX/2022 ( certified mail ) and XX/XX/2022 ( regular mail ), asking each of them please remove them. Also, more than 30 days without any response without removing information requested is a violation of the FCRA. As you can see. I made two attempts and have not received any response from either.
Consumer complaint received 2022-08-24
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: PNC Bank N.A. (TX)

I have looked at the response the PNC Bank have submitted to the CFPB on XX/XX/XXXX. They still didn't provide viable proof and fail to comply with law. There are a couple of things, First, I have never contacted PNC Bank representative XXXX XXXX through the email they have mentioned in the letter in response to the Case Number XXXX. That email does not belong to me and my email address is XXXX. Secondly, I never had any deposit account with XXXX XXXX I believe PNC Bank should verify with XXXX XXXX  directly. I have also sent an email XXXX XXXX ( PNC Bank Representative ) regarding this on XX/XX/XXXX but she never responded back. I am requesting again to ask PNC Bank to correct their record and delete this account from my credit profile ASAP as this issue has been going on since XX/XX/XXXX.
Consumer complaint received 2022-08-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

I have been a customer of Coinbase since XXXX. I have invested over XXXX in bitcoin. I always have strong password ( 11 characters long with uppercase, lowercase, number and special character ) and XXXX verification to protect my account. On XX/XX/XXXX, my account got compromised and I lost over XXXX worth of bitcoin. I reported to Coinbase and locked my account as instructed. After my account was recovered and reactivated, I changed my password and added XXXX XXXX. On XX/XX/XXXX, my account got compromised again. This time i lost over XXXX worth of bitcoin. Coinbase kept blaming on me not protecting my account and refused any responsibility.
Consumer complaint received 2022-08-24
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: Experian Information Solutions Inc. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a natural person, I am a living human being, I have right under 15 USC 1681.

Pursuant to 18 USC ( 8 ). I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681B ( 2 ). This company also has no permission to report anything using my info pursuant to 15 USC 1681 ( 4 ). Delete these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-24
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: MORGAN STANLEY & CO. LLC (AZ)

I attempted to open a savings account with ETrade twice, once on XX/XX/XXXX and again, at their request, on XX/XX/XXXX. Both times I was declined. 
I received mail from ETrade dated XX/XX/XXXX that I was declined for the XX/XX/XXXX application due to information at XXXX. I requested on online a report from XXXX, which I received dated XX/XX/XXXX. All of the information from XXXX was correct, and matched what was provided to ETrade. 
On XX/XX/XXXX I contacted ETrade and requested more information. They advised me to resubmit my request. I did so on XX/XX/XXXX. This request was also denied. I followed up with ETrade on XX/XX/XXXX. On XX/XX/XXXX ETrade responded that I needed to verify my identity with XXXX. Although I am not sure of they date, sometime after this and before XX/XX/XXXX I called XXXX, which put my on hold several times while they reviewed my information but provided no resolution. They eventually sent me a new report, date XX/XX/XXXX, with the same information as before, with the additional inquiry from ETrade added. After receiving this mail I called XXXX again and was told they do not verify identity. On XX/XX/XXXX I called ETrade and was told the accounts were denied because of the response from XXXX, with no additional detail. on XX/XX/XXXX I called XXXX and was told they will not provide any details on the inquiries from ETrade and will only send the same report I have already received twice, which all has accurate information, and that I should check with ETrade as to whyI was denied. I am now at an impasse as both ETrade and XXXX are blaming each other an each refuses to provide any details.