davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ACRE MORTGAGE (VA)

I applied for mortgage financing through American Capital Real Estate Lending with XXXX XXXX XXXX ( NMLS # XXXX ) as the Mortgage Specialist on XX/XX/2021. XXXX gave me information related to the loan inquiry and we agreed to move forward in the process with a credit pull for the mortgage loan application. XXXX stated that he would have information to me the next day and sent a follow up communication. 

Following the email, I completed the application process in the online portal and sent XXXX an email noting completion. After 2 days I had not heard from XXXX and needed to move forward with a real estate transaction, it was the weekend so I expect that he was likely not available. I sent an email on XX/XX/2021 with the updated information for the loan amount and asked for pre-approval documentation. 

On XX/XX/2021 I called XXXX noting the aforementioned information. XXXX stated that he was out of town and had just got back and that he would complete the process over the phone. I gave him all the information I had already entered into the system and he stated that he needed to do a credit pull to verify creditworthiness. I agreed believing that a prior credit pull likely wasn't performed ( note - the first credit pull did go through on XXXX XXXX from XXXX XXXX ). XXXX pulled my credit again on XX/XX/2021 ( credit pull from XXXX XXXX ) and stated that he would have a quote to me by XXXX. 

I did not hear from XXXX until receiving an email on XX/XX/2021 ( a week later ). At that time I had move on to another lender. I responded to the email on XX/XX/2021 letting XXXX know that I was disappointed in the communication and the fact he ran my credit twice. XXXX did not respond. On XX/XX/XXXX another email went out ( two weeks from initial contact ), since this email followed the week pattern, I'm assuming the emails on XX/XX/2021 and XX/XX/2021 were automated emails. I selected unsubscribe and moved XXXX to the spam box. On XX/XX/2021 another email was sent from XXXX. It landed in my spam box. 

There is no dollar value damages involved, although there may be an impact credit wise on my behalf. This complaint is submitted to make the CFPB aware of a practice by a noted NMLS member that was adverse to a consumer and to ensure future consumers receive professional services from XXXX.
Consumer complaint received 2021-03-18
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: CORELOGIC INC (FL)

Credco Inquiry From XX/XX/XXXX ( Miscellaneous Reptg. Agencies ) XXXX XXXX Inquiry From XX/XX/XXXX ( Personal Loans Cos. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Auto Financing ) Twice this one is reporting on my credit. 

XXXX XXXX XXXX Inquiry From XX/XX/XXXX ( Automobile Dealers ) XXXX Inquiry from XX/XX/XXXX ( National Credit Card Cos. ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX ( Automobile Dealers ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX
Consumer complaint received 2019-12-06
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (NY)

XXXX3 money orders purchased from Westen Union , {$1000.00}, {$1000.00} and {$43.00} and sent to XXXX Dept of Finance to pay property tax bill. After several weeks, payment from the money orders not reflected on said tax bill. XXXX Dept of Finance claimed that they never received money orders, they were never processed, endorsed, or applied to the tax bill. 
Tracers were put on the money orders, and when results received, the money orders were not endorsed. Claim forms received from Western Union were filled out and sent to XXXX DOF on XX/XX/19, to sign off on and notarize. After 4 months- DOF legal refused to return claim forms, saying that since they were not received by them, they had no obligation to cooperate. 
Notarized letter ( attached ) by the homeowner explains everything and has all the necessary documentation to substantiate the claim. Claim forms sent to Western Union on XX/XX/19. Letter received on XX/XX/19 stating that the claim could not be processed as the claim forms were not signed and notarized by the payee -- even after a notarized letter sent to W U stating that the XXXX DOF was not going to cooperate. 
An e-mail from XXXX DOF-on letterhead, with DOF contacts, sent to Community Board # XXXX, stating that money orders not received, processed, endorsed, was include as proof of claim. 
A call to WU on XX/XX/19 determined that the claim would be escalated and to call back in a few days. A call was made on XX/XX/19 which determined that the sponsoring bank ( W U would not divulge name ) denied claim due to the claim not being signed, and one claim was sent to bank, Western Union 's responsibility ended and was not in a position to process calim any further. W U still would not advise the disposition of the money orders ( cashed or lost ), as the claim was not formerly processed. 
Homeowner is in areas in paying his XXXX property taxes as he is a senior citizen on a fixed income, and was waiting for the claim to be processed.
Consumer complaint received 2023-01-24
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. (CA)

This is my fourth 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 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 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 2021-09-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (NV)

After auditing my credit reports, I discovered that Enhanced Recovery Company is reporting an alleged debt on my credit reports. I never received a dunning letter from them to allow me to request that they provide me with the proper documentation to validate this alleged debt. I am not liable for a debt with sprint, never done any business with Enhanced Recovery Company, let alone have a contract with them. After seeing this account on my report, I sent them a letter asking that they validate this alleged debt and send me the original application, however, they've ignored my rletter I demand that they close and delete this account from my credit reports. 

Account : XXXX Amount : {$560.00} " open date '' reporting : XX/XX/2017 2017
Consumer complaint received 2021-04-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (KS)

Chime bank closed my account out of nowhere. They said I was not in compliance with the XXXX banks internal policies. All I do is receive my direct deposits from work, and spend my money on things I need. I have not violated any rules or regulations. They closed my account and left me stranded with no money.
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports : 1. XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX, XXXX-Highest Balance {$1700.00} 2. XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX 3. XXXX XXXX  U-Balance $ XXXX-Date Opened : XX/XX/XXXX 4. XXXXXXXX XXXX XXXXXXXX C-Balance XXXX XXXX-Date Opened : XX/XX/XXXX 5. XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX 6. XXXX XXXXBalance $ XXXX-Date Opened : XX/XX/XXXX XXXX
Consumer complaint received 2021-11-27
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX Date Updated : XX/XX/2020 XXXX XXXX
Consumer complaint received 2021-08-19
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. (TX)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

The following personal information is incorrect : Current Address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX, Current Address : XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, Current Address : XXXX XXXX XXXX XXXX XXXX TX XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX.
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I have spoken with XXXX XXXX XXXX on several occasions and they removed the lates once and then placed them back on. I have NEVER been late with them EVER! I need them to remove the two lates from my report of XXXX & XXXX
Consumer complaint received 2021-08-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (AL)

Was initially contacted by mail from XXXX XXXX and XXXXDebt Collector by letter dated XX/XX/2021, who states their client is Synchrony Bank. I had no idea who they were. They have indicated in correspondence dated XX/XX/2021, that the account has been charged off and they are trying to collect from me. I don't have any agreement or contract with XXXX XXXX and XXXX/Debt Collector ; I don't owe any alleged debt to them. They have sent letters indicating they are attempting to collect a debt and that they are an attorney at law. Pursuant to 15 USC 1692e - A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. Any alleged indebtedness is an obligation of the United States Pursuant to 18 USC 8 - The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency, Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. I sent an Affidavit of Truth and have not received a response. There are many individual actions and they were given 21 days from date of receipt, which was XX/XX/2021, to send payment according to the attached invoice, of all the individual actions, and have not done so and was given ample time. I am seeking remedy from XXXX XXXX and XXXXDebt Collector. I demand that any information pertaining to XXXX XXXX and XXXX/Debt Collector and their client be removed from all credit reporting agencies, immediately. Affidavit and Invoice included.
Consumer complaint received 2023-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
MXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$22000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}.
Consumer complaint received 2022-04-18
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. (WA)

In accordance with the fair credit reporting act i have several accounts that have violated my rights. *15 USC 1681 602a states i have the right to privacy and *15 USC 1681 section 604a section 2 also states a consumer reporting agency can NOT furnish a account without my written instruction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor ) XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX AccountUS DEPT ED XXXX US DEPT ED 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 2021-11-27
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-18
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. (MO)

In Accordance with the Fair Credit Reporting act THESE Accounts have violated my rights. 
XXXX ( ALL XXXX ACCOUNTS ) ... .... 

XXXX XXXX ( ALL XXXX accounts )... 

XXXX  XXXX... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX15 USC 1681 Section 602a states I have the right to privacy.

*15 USC 1681 Section 604a Section 2 also states a consumer reporting agency can not Furnish a account without my written instructions.
Consumer complaint received 2021-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (MD)

On XX/XX/XXXX from my PNC account I sent XXXX an amount of {$1900.00} through XXXX  XXXX. She then transferred it to her bank ( XXXX  ), where it sat for 2 weeks. Then PNC pulled it out of her account on XX/XX/XXXX without consent from me or the other authorized user on the PNC account. It was deposited back into the PNC account for roughly 2 hours then pulled back out. Now the money is no where to be found. We have been up to PNC and XXXX  bank multiple times and no one can help. XXXX  XXXX  has been made aware of the situation and sent over paperwork that shows the money is not with them. PNC provided a XXXX Trace number XXXX. We provided this number to XXXX  bank and they have made us aware that they do not have the money and that trace number is not attached to any amount of money. Before providing the trace number PNC told us that the money was in a median. Please help with this matter, this has been going on for over 4 months. We have already put in previous complaint and it has gotten us no where with this situation. The only thing we have now been told is the money was sent to XXXX XXXX which the sender or receiver of this money, DO NOT bank there. We have even went to XXXX XXXX to try and see what's going on even though we DO NOT bank there in hopes someone could help because no one is returning my call and only emailing that we need to call, which we have and just get a voicemail.
Consumer complaint received 2021-09-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (DE)

jefferson capital system llc. XXXX XXXX XXXX XXXX XXXX mn XXXX ( XXXX ) XXXX has been sending me collection notices in the amount of {$300.00}, assigned date XX/XX/2019 the collection has been reported as past due balance. i do not know this company. i have never done business with this company. this company does not have a contract with my signature.
Consumer complaint received 2022-02-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IN)

My Chase business account was closed without my knowledge sometime in early XXXX. 

It has now been over a month of calls with the Chase Fraud Department and visits to branches as directed by the fraud department and Chase is still holding {$1900.00} of my money hostage. The fraud department says I have to prove the checks that were canceled were mine in order to release the funds in my account ( even though the account balance is not funded from the canceled checks ). 

All return check fees were payed from my account. All funds from the checks that were sent back were still in the account when they were returned. In other words, I dont owe Chase any money.

I also provided proof that the checks that were canceled were indeed written to me. But now they are saying the person that wrote the check needs to come with me to the branch in order to get my money. 
The checks are cashier 's checks written by the XXXX  of New York. Brining the comptroller of XXXX into the bank with me is not possible. 
And besides all that.. the funds in the account are NOT from these checks that they are harassing me over. 
the account is closed. I do not want to do business with them. all I want is my money. simple.
Consumer complaint received 2023-01-23
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: Atlanticus Services Corporation (WA)

There were many charges made fraudulently on my credit card with Aspire, I did not notice them untill the amount of my regular payment doubled.

I contacted Aspire to the charges made, filled out all required paperwork and sent back, mean while was told ", I still had to make the payment amount untill the fraud investigation was over which was double what I paid before the charges were made. 
At this point it had been over a month and still being billed for those charges plus interest with no word, I called again when the charges were still there and refused to pay again for them, I was told the investigator made a decision and it was in the mail and I'd receive it within 10 business days, a month and half later still no letter, so I quit paying all together and they told me I would be responsible for late fees and the payment.

I went on line to look up the businesses where the charges were made and they come up with no business information and they don't exist, they were for the same amount or 4 cents off. 
# 1 XXXX XXXX XXXX {$99.00} # 2 XXXX XXXX {$4.00} & {$99.00} # 3 XXXX XXXX {$99.00} # 4 XXXX {$99.00} # 5 XXXX XXXX XXXX XXXX {$99.00} These are not common with my previous charging history and they don't exist but yet there Investigators denied my claim, never sent me notice, has put a derogatory mark on my credit report, and are still adding charges to my account, and I do not have access to either accounts because they told me I had to cut up my cards and send them back due to my request to close my account which never was said by me and yet they have new account numbers for my accounts and I never received any cards for those accounts but still required to pay.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (NV)

I had money in my checking account and made a transfer to my wife out of state. Then got emails saying that I owed money for the transfer and then was hit with a overdrawn account. There was more then enough money for the transfers and fees for this. So I let them close the account I never dealt with them again.
Consumer complaint received 2023-01-23
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. (TX)

I did not apply for no XXXX credit Card from XXXX to XXXX. Someone else did this without my consent and this is fraud and theft as well. The account # that showing on my credit report is XXXX. This needs to be remove immediately off my credit report from all XXXX credit bureaus.