davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-11
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Chime Inc. (TX)

Sendwave is the company name. 
I sent money to XXXX twice with this company and they did not deliver the money. It appears they are trading with peoples money when you send money through their service. They will keep your money for a whole week and then send it back to you as undeliverable. In 2 weeks they could not deliver {$300.00} dollars to XXXX bank in local currency. Not to mention also the fact that they deliberately extend the hold phone time to their customers service with average being 40 mins. Transfer reference number. 
XXXX ).
Consumer complaint received 2023-09-11
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (CA)

On Sunday XX/XX/23 I was making a purchase on the Lowes online store site and as I was getting ready to pay I noticed a link at the bottom of the page with the first letter of my name a " XXXX  '' not a " XXXX '' where my name and address matches my form of payment my Lowes credit card. I clicked on the link to update my name and it would not change my name. Immediately after making my payment to the site, I received a pop on my screen from XXXX XXXX XXXX while my VPN is on advising XXXX thwarted a XXXX XXXX XXXX on my account. The Synchrony Bank account is not secure and infected by a virus displaying my account info. I made the purchase via the actual Lowes website and not redirected to a fake website. I tried contacting Synchrony Bank just now and was transferred to a black hole. I proceeded to call back and the wait time is over 30-minutes.
Consumer complaint received 2023-04-18
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

Yes I got contacted and the lender at MTH says Im not qualified and denied due to no income proof. Even when I provided my SSI as my only resource of income. He told me its not. I do not qualify with an SSI income.
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: EQUIFAX, INC. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be updated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have been dealing with identity theft/fraud for over a year now & credit bureus keep continually adding this others persons information on my credit reports their addresses phone numbers names & collections. I managed to get one taken off my cresit report that was not mine in XXXX and now there is another one names XXXXXXXX XXXX XXXX account that does not belong to me of the amount of {$5100.00} opened XX/XX/2022. I contacted the company and they said they dis not have anything with my social on their end. I then contacted transunion to get this disputed and taken off since it sown not belong to me & it is still not taken care of. They have been doing a bad job at helping me out with things as I said they continue to put another woman 's information on my credit report even her ssn was put on my credit report. My credit has been played with for months now & notbing is being done by these credit bureus I've made a police report with the XXXX already & they did nothing further. I've contacted irs.
Consumer complaint received 2020-03-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2020 I went to Chase Bank to open new checking. I had an offer with me ( postal offer ) which says, " Get {$300.00} once you open a new checking account and set up and receive direct deposit totaling {$4000.00} in the first 90 days. '' After reaching the branch I met with a banking personnel ( Ms. XXXX XXXX XXXX ), I showed this coupon to her which she said the bank will honor this coupon. After this I opened the bank account and set up the direct deposit which totaled beyond {$4000.00}. After meeting all the conditions i still did not receive my offer, after calling to customer care, they registered my case XXXX XXXX XXXX XXXX XXXX ). After 3-4 days I got another phone from Chase case department and they told me that they will not be honoring that coupon as i closed my previous account last year. I tired explaining them that I already said the same things in the initial time of opening the account and that time your guys promised me that they will honor it and after 2.5 months you are declining it. She kept on apologizing as their banking officials but refused to honor this and told me to check with branch officials and closed my case. I completely felt cheated as I didn't conceal anything and told everything before clearly.
Consumer complaint received 2020-03-12
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)

XXXX  has my credit card debt much higher than what it is. XXXX   and Trans Union also has my credit card debt higher than what it should be. These Three companies all have me with late payments to my mortgage company which I am not late or have I ever been late in the last six months.
Consumer complaint received 2021-05-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Global Equity Finance, Inc. (FL)

On XX/XX/XXXX I spoke with XXXX XXXX of Global Equity Finance Group , Inc, who can be reached as follows : XXXX XXXX XXXX Senior Loan Officer XXXX XXXX XXXX Direct : ( XXXX ) XXXX Email : XXXX Global Equity Finance , Inc . 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX refused to give me a loan estimate without documentation. I asked for his manager. I then spoke to XXXX XXXX, Senior Director of Sales who said they are not required to give me a loan estimate unless I provide documentation to them. 

I then read MrXXXX XXXX the rules ( see below ) explaining that they are required to give me a loan estimate within 3 days and they refused and reiterated that they do not have to give me a loan estimate unless I give them documentation, that I am misinformed and quoted me a law from XXXX. I provided all of the information that is listed below and is required to qualify for the loan estimate and they did a soft credit pull to confirm. 

Every website I have checked, confirms that the information below is correct and that I should be given a loan estimate. 

Thank you for your kind consideration. 

From your website : https : //www.consumerfinance.gov/ask-cfpb/what-information-do-i-have-to-provide-a-lender-in-order-to-receive-a-loan-estimate-en-1987/ LAST REVIEWED : XX/XX/XXXX What information do I have to provide a lender in order to receive a Loan Estimate? 
Since XX/XX/XXXX, loan officers are required to provide you with a Loan Estimate once you have provided certain information. 

Loan officers are required to provide you with a Loan Estimate once you have provided : your name, your income, your Social Security number ( so the lender can pull a credit report ), the property address, an estimate of the value of the property, and the desired loan amount. 
Your loan officer can not require you to provide documents verifying this information before providing you with a Loan Estimate.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LendingPoint Holdings LLC (NC)

Lending Point LLC and XXXX XXXX contacted me stating I was preapproved for a personal loan as of today XX/XX/2023. They stated all I had to do was accept the terms and sign the loan agreement. They stated since I was already approved they would not be doing a hard credit pull. After agreeing to the terms and signing the contract Lending point did a hard credit pull reducing my credit score even further!
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2023-02-24
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX XXXX XXXX : # XXXX : XXXX XXXX XXXX XXXX # XXXX, XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I received notification back from the bankruptcy court that states they do not provide information to third parties and under the Privacy Act Law 1974 and Opt Out Law that any authorization that XXXX, XXXX, Transunion believe you have you no longer and it needs to be removed in 4 days.
Consumer complaint received 2020-03-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Dispute : XX/XX/2020 CFPB Capital One Incorrect account balance : {$250.00} I contracted the services of XXXX XXXX XXXX, XXXX a debt consolidation company to assist me with the consolidation of debts that were causing me great financial hardship due to a decline in my income due to a reduction of hours worked for health reason. The program I committed to enabled the payoff of debts to ( 7 ) creditors, one of which is Capital One with an original debt of {$250.00} I have just completed my accounting for tax purposes and found that I have paid {$200.00} to the creditor via the consolidation program and my balance now due is {$56.00}. 
I have continually made my payments on time to this company and paid more than the agreed monthly payment amount and I have never received an update statement requested each month outlining my balance although I have contacted the company over the last 6 months and have not been able to receive a response to any of my communication. 
On XX/XX/2020 I wrote to the creditor and offered my promissory note and payment arrangement which was sovereign certified because it had come to light that the consolidation company is no longer trading and is under investigation for Fraud and Deception by the FTC. 
It has also come to light that my payments made to the creditor via this company were never applied to my debt which now has negatively impacted the balance owed. 
My direct offer made to the creditor on XX/XX/2020 to pay off a remaining balance of {$250.00} in installments was declined by the creditor of which I am grateful as my financial accounts highlights that balance was incorrect and if accepted at that time I would be liable for paying far more than what is actually owed. I request that the amount owed be corrected to reflect the payment made of {$200.00} via the consolidation company and report the actual correct balance of {$56.00}. 
Please see attached signed Agreement page for debt consolidation program and the date of the agreement.
Consumer complaint received 2022-10-25
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: CAPITAL ONE FINANCIAL CORPORATION (NM)

This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX, CAPITAL ONE BANK USA N XXXX Date Opened : XX/XX/2018 Balance : {$13000.00}
Consumer complaint received 2023-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a few accounts on my Transunion credit report that are Fraudulent I need these accounts blocked under 15 U.S. Code 1681c2. I have disputed these accounts and I have not received a response or block on my credit report.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XX/XX/2023 a letter was sent to Transunion via USPS tracking # XXXX XXXX XXXX XXXX XXXX. They signed for the letter on XX/XX/2023. The letter informed them that an account list on my credit report from XXXX XXXX  was not mine and that they needed to remove the account. On XX/XX/2023 Transunion sent a letter to me via US Mail that said they DELETED the XXXX account from my credit report. I then sent 2 more letters demanding the DELETE the XXXX account and the have failed to do so.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Fraudulent Opened Account Under 15 U.S. Code 1681c2 you are in violation for reporting a fraudulent account on my credit report. I demand this account to be removed within 4 days of receipt of this letter.

Under 15 U.S. Code 1681s2 you are in violation of Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute. You failed to 100 % investigate this fraudulent account because I contacted the furnisher about fraudulent opened account, and they stated my information doesnt match which is identity theft and they do not participate in providing dispute notice to credit reporting agencies. If you believe this is false I demand you send me a complete investigation report from the furnisher directly with their letterhead on it showing the method of verification. 
I demand these items be removed from reporting on my credit report immediately. I also demand a credit report showing the removal within 30 days after removal. 
XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC. (SD)

XXXX XXXX short paid Santander USA. Santander didnt notify XXXX XXXX or myself that it was a balance still due. Santander continued to report delinquent instead of reach out by phone or via letter. Im requesting Santander to correct the credit reporting remarks and account status to reflect closed and not closed charge off. They even released the title to XXXX XXXX  knowing they were short paid.
Consumer complaint received 2023-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (WI)

To the Appropriate Officials, On behalf of XXXX XXXX, the juridical principal debtor, I, as a non-juridical representative, draft this grievance, resonating with genuine concern. 

The Longstanding Bond : Tracing back to XXXX, XXXX XXXX 's affiliation with American Express has been unbroken. This provokes the query : What prompts this complaint at this juncture? 

A Tale of Two Narratives : Theres an evident disparity between the narrative spun by American Express 's responses and our initial assertions. This gap pushes us to seek a higher avenue of redress.

Reflecting on the Past : Earlier grievances seem to have been prematurely archived without directly addressing the pivotal matters. Such oversight nudges us to take this intensified approach.

Navigating the Fog : Our endeavors for straightforward communication with American Express 's divisions often find us amidst murkiness, opposing our intentions for clear discourse. 

Enclosures : The documents attached serve as a beacon, illuminating our areas of concern. 

A Call for Action : I implore the CFPB to delve into this matter, seeking a transparent and equitable resolution. 

As an additional measure for transparency and to underscore the gravity of this matter, a hard copy of the pertinent attachments has been dispatched via certified mail. 

XXXX ( non juridical )