davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-10-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (VA)

I have been trying to get the funds from my deceased mother 's checking account for several months now, but not having any luck due to unnecessary pushback from the estate department at Chase Bank. I have been in contact with local branch employees, the estate department, the executive office, and lastly sent emails to company leadership. I also already have an on-going claim with the executive office that I am failing to get resolution from. 

The estate department instructed me and my siblings to get a second small estate affidavit signed and notarized correctly as the first wasn't quite good enough for them, which we have done. I will add that we did this even though in the state of VA it's not necessary for estates less than {$25000.00} to even require a small estate affidavit. Regardless, a valid Small Estate affidavit has been presented to the bank as of this week. Signed affidavit is attached to this claim. 

Now, the " back office '' of the estate department is requesting additional notarized letters from my siblings where they must write a letter stating their intentions of allowing me to gather all the funds on their behalf, along with photocopies of their IDs. The affidavit which has already been notarized clearly states all successors intentions, along with giving rights to all three of us to act on behalf of each other when collecting funds and creating transactions. The " back office '' requesting additional documentation instead of accepting the small estate affidavit is illegal in the state of Virginia, and we should not be forced to provide additional documentation to receive the funds in the decedent 's account. 

Also, the siblings in this instance have completed the request from the previous CFPB complaint with this bank, and we are still not getting the proper resolution.
Consumer complaint received 2024-10-10
Product: Credit 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: JPMORGAN CHASE & CO. (NC)

I requested Chase Bank to take a look at a fraudulent charge over {$500.00} plus in XX/XX/year>. I reported as fraudulent first and the situation without speaking to me without details was drawn out twice over several months for it to get resolved. They said it could take 90 days. Once they contacted they advised the charge would stand, and provided me with no evidence of why it would stay. I had to dispute the charge with the dispute center and it took them days to give me back a response saying it has been too long since the purchase and the charge would stand. 

This is a diabolical response because Chase Bank prolonged the process for months without a response since XXXX to fix this that now its been too long and I have been waiting for them to fix it. This is an unethical practice to prolong a response to now lay it on the consumer to pay for a charge that was never made by the consumer.
Consumer complaint received 2024-10-08
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (TX)

Amazon sublets their store card to Synchrony bank. They promote a 5 % cash back for your orders and sometimes increase offers to higher amounts like 25 % like for a recent specific brand/item. XXXX XXXX smart plug for 25 %. I wanted to track if it was applied to my account but there was no way to look up the rewards history or rewards applied to a specific order. 

It just shows up when it shows up and the amounts in your rewards balance mean nothing if you cant follow the math. 

This is severely lacking the disclosure required by law and the 2009 card act.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX is reporting my XXXX XXXX as a XXXX however there is absolutely NO information on my credit report aside from that. As a result, my new start-up business has been suffering because I continue to get rejected for funding based on this score. 

According to my rights, XXXX should NOT be reporting any score if they do not have my records. Additionally, per your own information, there have been disputes that were closed on the credit bureau that say they were resolved and clearly they have NOT because there is no record of them on my XXXX report. 

XXXX of the disputes about my name change states that they were happy to tell me that my name was changed however, it is not even provided on the report so how would I know. Additionally, the letter that states it was changed states Dear XXXX XXXX and goes on to state that my name has been changed to XXXX XXXX. 

My name change was a court order for safety as my XXXX perpetrator IS an XXXX XXXX XXXX I need ALL previous names removed from my file. How does ALL of my information get wiped from a credit file while XXXX has everything and Transunion has all of my demographic information and my debts completely wrong?
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-15
Product: Credit reporting 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. (NC)

By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I have not initiated any transaction with COMPANY NAME. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than XXXX years, or both. Provided FTC report and Identity theft police report plus inquiries that were not mine. I have contacted Equifax directly and they ignored my request and reports from law enforcement. Sent disputes letters with every document requested.
Consumer complaint received 2024-08-11
Product: Credit reporting 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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : Urgent Request for Rectification of Unauthorized Hard Inquiries Dear Equifax Team, I am compelled to bring to your immediate attention a series of unauthorized hard inquiries that have inexplicably appeared on my credit report. These inquiries have cast an unwarranted shadow on my otherwise meticulously maintained credit profile. I am confident that these entries are the result of a grievous error, if not outright fraud, and I am requesting their swift removal.The inquiries in question are as follows : XXXX XXXX Inquiry Date : XX/XX/XXXX Nature of Dispute : Unauthorized Inquiry Explanation : I have never initiated or consented to any credit inquiry with XXXXXXXX XXXX or any affiliated entity on the specified date. This inquiry appears to be an erroneous or fraudulent entry that I insist be expunged from my record immediately. 

XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Account Number : Nature of Dispute : Unauthorized Inquiry Explanation : I have no affiliation with XXXX XXXX XXXX nor have I sought any credit or financial services from them. This unauthorized inquiry is both perplexing and unwarranted. 

XXXX XXXX XXXX  Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Nature of Dispute : Unauthorized Inquiries Explanation : I am disputing these inquiries as I did not authorize any credit applications with XXXX  XXXX on these dates. These entries are entirely spurious and must be corrected without delay. 

XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Nature of Dispute : Unauthorized Inquiries Explanation : These inquiries by XXXX were not sanctioned by me, and their presence on my credit report is both erroneous and injurious. I request their immediate removal. 

Enclosed with this letter, you will find a copy of my identification along with documentation highlighting the unauthorized inquiries. Moreover, I have included a copy of the FTC Identity Theft Report ( No. XXXX ) and the associated police report ( No. XXXX ) to substantiate my claim that these inquiries are the result of identity theft.I trust that your esteemed team will handle this matter with the urgency and diligence it warrants. 

The expeditious removal of these inquiries is not only a matter of accuracy but also a critical step in restoring the integrity of my credit standing.Thank you for your prompt attention to this pressing issue.Yours sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (CA)

Hello, I have been paying XXXX XXXX a monthly fee for over three years to monitor my XXXX scores and see my credit reports in real time each month as I am shopping for a home. They have been a great company to work with. 
My credit scores have remained across the board between XXXX for a long time. I use one credit card every month and pay the balance like a debit card to maintain these scores. I have never missed a payment and this reflects in the current XX/XX/year> credit report, however, all my scores suddenly dropped over 100 points this month with no late payments or over limit amounts. In short, nothing changed on my end. For whatever reason, my consistent on time payment this month is the only suggestion the credit card company has offered so far and this makes no sense. I am following the credit card terms and on time payments, most of the time paying above and beyond including the full balance and early and I am now being penalized this month with no explanation, while lowering my scores across the board to XXXX. 
I have worked hard to maintain my credit and now either XXXX XXXX or XXXX credit card are not playing by their own rules. In my XXXX decades on this earth, credit scores only drop like this when payments are late or over limit or fraud, not paid early, on time and in full. I am respectfully asking for CFPB 's support as I intend to file in small claims court if this is not corrected by XXXX. There was no reason for this to happen and after two calls to XXXX card services, emails to my local branch and calls to XXXX XXXX, no one will find a solution to a problem I did not create. Thank you. XXXX
Consumer complaint received 2024-09-26
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

The XXXX XXXX XXXXXXXX was charging renter insurance on my account for how many months that I dont know and I already had renter insurance so that need to reimburse for all the months they where their charging me. At this point Ive asked them if they could fix this problem which they refused and they are not even responding to my emails. They have reported this to collection agency and I just think this is fraudulent.
Consumer complaint received 2024-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (MI)

I ask kindly XXXX XXXX XXXX Mr cooper to please stop any foreclosure since I intent to cure any default which I have paid and I am up to date as XX/XX/year> and I ask the company to please communicate with me since when I call nobody knows procedures or give me options. I have paid all and need please the company to be consider that it was a natural desaster that got me into default and to please stop any foreclosure. I am going to file a intent to cure in XXXX XXXX as well to stop any foreclosure because I am trying to be up to date and it was XXXX of the persons from Mr cooper that have said and agree verbally over the phone when I called to make sure everything was ok and they offer me a 3 month more and that was not right to not let me know anything and try to do things that way. I have paid all it said it was owed and more the total was XXXX and I paid XXXX XX/XX/XXXX which they took XXXX and the rest was for charges extras that it was incurred. I have also paid XX/XX/XXXX bill which was XXXX and I am up to date to XX/XX/year>. I was not offer any option not letter given not anything but I am still will do the right thing to cure any default. Also as XX/XX/year>. I see on the online portal that I was finally able to enter because before it wasnt letting me I have seen that there is a modification loan pending when I didnt or wasnt asked I need the company Mr cooper XXXXXXXX XXXX XXXXto please not force me to enter into something that i was not read my rights neither was told. I have brought the account to date and it should not be modifications when I brought the account to date. Please kindly and respectfully I ask the company to take any foreclosure and I will file as well in XXXX XXXX the intent to cure even I already brought the account to date. I would apriciate for this matter to get fixed with manner and with rights thank you again and will wait for an answer
Consumer complaint received 2024-08-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lloyd & McDaniel, PLC (GA)

On XX/XX/year>, I was contacted by Lloyd & McDaniel regarding an attempt to collect a debt allegedly owed to XXXXXXXX XXXX  I was served with a statement of claim by Lloyd & McDaniel, presented as legal papers from a law firm and attorney, but they did not disclose that they were acting as debt collectors. This omission is misleading and violates the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to clearly identify themselves as such in all communications. 

On XX/XX/year>, I was contacted again by Lloyd & McDaniel regarding a notice of intent to introduce business records. Once more, there was no mention that they were acting as debt collectors.
Consumer complaint received 2024-08-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION (NM)

Today I've tried to send money twice to my friend XXXX ( {$2000.00} ) ; then attempted to send same said amount to XXXX XXXX  XXXX. All of these attempts were Automatically cancelled by " XXXX '' for no reason given. This isn't the first time they've done this and it seems to only happen with amounts over XXXX. For example two weeks ago I sent XXXX XXXX using the exact same information ( my account ; and his account info ) no problem. I'm not positive but it " feels '' as though they are being discriminatory because my friend is XXXX in XXXX. I don't know but they shouldn't advertise money transfer services then do this to the customer.
Consumer complaint received 2024-08-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Health Corporation (KY)

I was checking my credit report on XX/XX/year> when I noticed a collection account that I am unaware of. I am writing to file a formal complaint against Hillcrest Credit Agency for violating my rights under federal consumer protection laws. Hillcrest Credit Agency has failed to adhere to several regulatory requirements, and I seek your assistance in addressing these issues. 
Failure to Provide Validation Information : Hillcrest Credit Agency has not provided the necessary validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have placed a collection account on my consumer report. 
Lack of Opportunity to Dispute : I have not been given the chance to dispute the account in question, which is a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ). The agency has not provided me with the required notice and opportunity to dispute the debt. 
False, Misleading, and Deceptive Practices : Hillcrest Credit Agency has used false, misleading, and deceptive means in their communications and actions, which infringes upon my consumer rights. 
Unauthorized XXXX to XXXX XXXX XXXX : The agency has no authority to furnish any account to a consumer reporting agency without providing all necessary disclosures required by law. This is in direct violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 
Furthermore, I am unaware of owing any debt to Hillcrest Credit Agency, and I did not receive proper notification of the debt in question. If Hillcrest Credit Agency claims to have provided proper notification, I request that they furnish the certified mail receipt with my signature as proof of receipt. 
Additionally, I am revoking all rights for Hillcrest Credit Agency to communicate with me via text, call, and email. All further communication must be in writing and sent to the address provided above. 
I am requesting the following from Hillcrest Credit Agency : Method of debt validation for the debt in question. 
The purchase agreement between Hillcrest Credit Agency and the original creditor. 
Proof that Hillcrest Credit Agency is licensed and bonded. 
Thank you for your attention to this matter. I trust that the CFPB will take the necessary actions to ensure that Hillcrest Credit Agency complies with all applicable laws and regulations.
Consumer complaint received 2024-06-16
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. (MI)

Dear CFPB, I am writing to formally lodge a complaint regarding the handling of my credit report by XXXX, TransUnion, and XXXX. Despite multiple attempts to resolve inaccuracies on my credit report, the reporting agency has failed to address my concerns adequately, which is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. 

Violation of FCRA 15 U.S.C. 1681i : My letters, which were written using accessible software available to everyone, have been disregarded. If the agency chooses not to process or address these letters, they are violating the law. The assumption that assistance from a third party may be available does not justify delaying the processing of consumer letters. No Power of Attorney is required to address my concerns. 

Failure to Dispute Inaccurate Information : According to FCRA Section 611 ( 15 U.S.C. 1681i ) and the accepted STANDARD of Metro 2 data field reporting, I have the right to dispute any incorrect information on my credit report. The allegations of delinquency and derogatory information against me are entirely false. These claims fail to comply with basic reporting standards and do not meet federal or state requirements for reporting. 

Request for Permissible Purpose Evidence : I demand proof of a permissible purpose for the inquiry or account within my report. The lack of such proof indicates that the agency has not fulfilled its responsibilities adequately. 

Impact of XXXX Data Breach : My information was impacted by the XXXX data breach, leading to multiple fraudulent items appearing on my credit report. I did not authorize the sharing of my non-public information, and the reporting of this information is not fair and equitable as per 15 U.S.C. 1681 Section 602A.

Specific Violations Include : 15 U.S.C. 1681 Section 602A : Right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : Consumer reporting agency can not furnish an account without written instructions. 
15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse items of information older than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibition of furnishing inaccurate information knowingly or with reasonable cause to believe the information is inaccurate.

I am granting a 30-day period from the date of delivery of this letter to rectify the situation. I request tangible evidence of the actions taken and an updated copy of my credit report. If the allegations are indeed false, I expect them to be promptly removed from my credit report.

Please see the attached letter for the details of my dispute. Thank you for your prompt attention to this matter.