davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I am writing to express my dissatisfaction with the recent closure of my credit card accounts. I had accumulated over {$3800.00} in rewards points on one account and nearly {$1000.00} on another. When I contacted your customer service department to inquire about the closure, I was informed that I would not be reimbursed for my rewards points. 

I am deeply disappointed by this decision. I earned these rewards points through my own spending and by following your terms and conditions. I feel that I have been robbed of my hard-earned money. 

I understand that your policy is to not reimburse rewards points when accounts are closed. However, I believe that this policy is unfair and unjust. I am a loyal customer of Bank of America, and I have never had any problems with my accounts in the past. 

I am requesting that you reconsider your decision and reimburse me for my rewards points. I believe that this is the fair and just thing to do. 

Thank you for your time and consideration.
Consumer complaint received 2024-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (TX)

On XX/XX/year>, I contacted Mr. Cooper because I am a 100 % XXXX Veteran and in the state of Texas, I am exempt from property taxes. Per Mr. Coopers instructions, I emailed the escrow department a copy of my tax exemption from XXXX XXXX, TX. I received an automated response that I would receive a response in 8-10 business days. To date, I have not received a response. I followed up and called Mr. Cooper in XXXX, XXXX, XXXX and today in XXXX. 

Mr. Cooper still has failed to apply my tax exemption to my escrow account and continues to collect a tax payment from me every single month when I exempt from this payment by law. They still have not processed my exemption and re-ran an escrow analysis on my account on XX/XX/XXXX- which included a payment for taxes.
Consumer complaint received 2018-01-24
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FIRSTBANK PUERTO RICO (PR)

I am a resident of XXXX XXXX. Our island was hit by Hurricane Maria in XX/XX/XXXX. That was the month the residual on my lease was due of which I was unaware. The bank never sent a letter or called me to inform me of this. First Bank which is the lender, sent out an email informing customers that due to the impact of the hurricane they would not charge the monthly payments to customers. Since my lease was auto pay, it stopped during XX/XX/XXXX and XX/XX/XXXX, but it was not due to their hurrican relief effort, it was because the {$12000.00} residual was due and they never informed me. I only became aware when I received collections calls. I left the island to be with family in XX/XX/XXXX so I was unable to do anything. Once I returned the last week of XX/XX/XXXX, I traded the car in for another one.  But they had already reported my lease 60 days past due, adversely impacting my credit score. In  addition, they made daily collections calls during that time, even when I explained my problem over and over, resulting in emotional distress.
Consumer complaint received 2024-06-03
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: Experian Information Solutions Inc. (TX)

Months ago, I have sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXXXXXX XXXX XXXX DEPT OF EDXXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am writing to address concerning inconsistencies in the reporting of an XXXX XXXX account on Equifax Credit Bureau, specifically in comparison to information on another credit reporting website. 

Upon careful examination of credit reports, I have identified significant discrepancies that indicate potential violations of the Fair Credit Reporting Act ( FCRA ). The XXXX XXXX account is currently reported differently on Equifax Credit Bureau compared to another credit reporting website, resulting in inaccurate and misleading information. 

Charge Off and Collection Reporting : On one website, the XXXX XXXXXXXX account is reported as a charge-off, while on Equifax Credit Bureau , it is reported as a collection. This inconsistency in reporting violates Section 623 ( a ) ( 1 ) ( A ) of the FCRA, which requires credit reporting agencies to provide accurate and complete information regarding any collections. 

Misleading Past Due Balance : Additionally, the account is displaying a past due balance on Equifax Credit Bureau, contrary to its status as a charge-off. This misrepresentation infringes upon Section 623 ( a ) ( 5 ) of the FCRA, which mandates that creditors report accurate information, including the date of any charge-off. 

FTC Identity Theft Report : I would like to emphasize that this XXXX XXXX account is fraudulent, and I have completed an Identity Theft Report with the Federal Trade Commission ( FTC ) to address the identity theft issue. Reporting inaccurate information on a fraudulent account further compounds the violations of the FCRA.
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

After reviewing my credit report on XXXX/XXXX/XXXX, I noticed late payments reported on my loan with XXXX XXXX. The lates reported correspond to the passing of Hurricane Maria wich affected the island of Puerto Rico during the months these lates were reported. Access to banking services where impossilbe for everyone since the island suffered from a major hurricane disaster and there was no way to obtain access to banking accounts and all our systems collapsed. These lates reporting are affecting me adversely since I am in the process of purchasing a home.
Consumer complaint received 2024-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX Subject : Dispute of Closed Accounts on Credit Report I am writing to formally dispute the closed accounts listed on my credit report. I believe that these accounts should be removed from my credit report due to inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S.C. 1681i, I have the right to dispute the accuracy of information in my credit report. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 8 ) requires that furnishers of information must conduct a reasonable investigation when I dispute an account. I contend that the closed accounts in question are either inaccurately reported or do not reflect my true creditworthiness. 

I am requesting the removal of these closed accounts for the following reasons : 1. **Inaccurate Reporting : ** The accounts do not accurately represent my payment history or the status of the accounts at the time they were closed.

2. **Lack of Verification : ** I have previously disputed these accounts, and the information has not been adequately verified as required by law.

Please conduct a thorough investigation of these accounts and provide me with the results of your findings. If you are unable to verify the accuracy of these closed accounts, I request that they be removed from my credit report.

I appreciate your prompt attention to this matter. Please send all correspondences regarding this dispute to my address listed above.
Consumer complaint received 2017-10-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Sold the House at XXXX XXXX XXXX, XXXX, NC, XXXX as short sale. MY name and my wife 's name on the house. Nationstar Mortgage approved the last offer after they denied two offers before. 
After the process of the short sale completed, Nationstar Mortgage ( XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ) issued two XXXX form for year XXXX, one for me and one for my wife with {$22000.00} each. 
MY tax accountant used both forms Total of {$44000.00} as income with our income tax for year XXXX, which effected on our refund amount. 
I have called Nationstar Mortgage to discuss those two forms because the amount of {$44000.00} is too high. They mentioned they have lost only {$22000.00} because of the short sale. I have asked them to send me a new XXXX with my name and my wife name with total amount of {$22000.00} because we file joint income tax or send me two XXXX one for me and one for my wife with {$11000.00} each ( $ XXXX ). Also asked them to send me itemize document to show how they lost {$22000.00} I have called them three times until now I have not received any response from them. 
I have attached some documents for your record. 
I appreciate your help to get them fix this issue.
Consumer complaint received 2024-08-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AR)

We are a small rural volunteer  fire department and were doing a transaction with XXXX  sales and XXXX XXXX. We recieved the XXXX  bottles and then recieved an email the same day saying that the invoice was due to do a wire transfer to XXXX to a chase account I also just noticed even that email address changed to XXXX halfway through the correspondence this money went to

J.P. MorganChase and theyre claiming that whoever got that money wont return it and were screwe d!! Theres got ta be something we can do! I called chase and got bounced t o 5 different departments before they said oh well you dont have account with us we cant help you!!! And hung up!!
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2023. I sent a letter regarding accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. I have attached letters for my new complaint to the bureaus.
Consumer complaint received 2024-08-26
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: AMERICAN EXPRESS COMPANY (AZ)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Arizona Laws Dear AMEX, I am writing to address the blatant violation of my rights regarding the unauthorized reporting of information to my credit report. This action is in direct violation of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Arizona Revised Statutes under Sections 44-3301 and 44-3303, and identity fraud laws, specifically Arizona Revised Statutes Section 13-2003. 

It has unequivocally come to my attention that AMEX has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent o

f the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). In addition to federal law, Arizona state law, specifically Section 44-3301 of the Arizona Revised Statutes, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 44-3303 of the Arizona Revised Statutes establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Arizona Revised Statutes Section 13-2003, underscor
e the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for AMEX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that AMEX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 44-3301 and 44-3303 of the Arizona Revised Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Arizona state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that AMEX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-06-03
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: Experian Information Solutions Inc. (CA)

Ive noticed collection accounts on my Experian Credit Report that are unrecognizable. 

XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AR)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (FL)

I am writing to dispute the validity of the above referenced item pursuant to the Fair Credit Reporting Act. The Fair Credit Reporting Act requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item
Consumer complaint received 2024-08-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I am writing to express my disappointment and concern regarding the recent decision by Chase Bank to close my accounts without sufficient justification or warning. As a customer of over 40 years, I have consistently maintained good standing with my accounts, and I find this sudden closure to be both unexpected and deeply frustrating.
Consumer complaint received 2018-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PR)

OnXX/XX/XXXXafter getting my credit report, I noticed I do not have any credit scores reporting. I am an authorized user of the XXXX Credit Card sinceXX/XX/XXXX belonging to my husband. I have a card in my name so I called XX/XX/XXXX which referred me to XXXX XXXX and was advised that they do not report authorized users. After this, I told them I was going to contact CFPB to clarify this issue. I contacted by phone your agency and was told that if I have a card in my name they are supposed to report to the CRA 's. I informed XXXX XXXX of the information received by your agency and they were going to look into the matter. Nevertheless, after reviewing my credit report again in XX/XX/XXXX, the issue has not been addressed. By these means, I am appealing to you for assistance in resolving this matter, since I am in the process of purchasing a home and I need this to be reported on my credit report. XXXX  actually reports to the three CRA 's so I should have all three credit scores since XX/XX/XXXX.
Consumer complaint received 2024-07-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On or about XX/XX/year>, I applied for a Capital One credit card and it was approved. Approximately 2 weeks later I applied for another Capital One credit card and it was approved. I applied for the second card because it was a Walmart Rewards card and I shop at Walmart frequently. I began to use the cards to try and accumulate rewards. I made payments on the credit cards totaling more than {$1300.00}, in a one month span. In XXXX of XXXX, Capital One contacted me via email and informed me that they were closing both credit card accounts because of past legal issues I had with Capital One. I have never had any legal issues with Capital One except for them being included in past bankruptcies which they fully knew about before opening the new credit card accounts. I have been an exceptional Capital One customer and I have paid off 2 auto loans with Capital One. They are in complete violation of their credit card agreement in closing my accounts. Not only did they close my accounts but they didn't allow me to use my rewards how I intended to use them. They have no legal basis to close the accounts being that they were in good standing and I have complied with all legal terms with the accounts.
Consumer complaint received 2024-08-16
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (CA)

Before my apartment lease expired, I requested an inspection. They provided an estimate of {$550.00} for cleaning and paint, citing regular wear and tear. Although California law prohibits landlords from charging for regular wear and tear, I was willing to accept that charge. I was expecting to receive the remaining {$50.00} of my {$600.00} security deposit. However, I recently discovered that they not only retained the entire {$600.00} but also reported an additional {$250.00} as unpaid debt on my credit report. This debt is unauthorized, as they never communicated it to me, and I did not receive any receipts regarding this debt. I sent the collection agency a certified letter requesting validation of the debt, including receipts and documentation, as well as an explanation of the charges. However, I have not received any response yet.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am writing to file a formal complaint regarding inaccurate information listed on my credit report, which has led to significant harm to my credit score and financial standing. Pursuant to the provisions outlined in 15 USC 1681 b 2, 15 U.S. Code 6802, and 18 USC 8, I am seeking redress under the Fair Credit Reporting Act ( FCRA ), specifically codified in 15 U.S.C. 1681 et seq.

The inaccurate information on my credit report pertains to closed accounts previously removed from credit reports, Incorrect credit score, and added collection from unknown collector whom I do not owe. Despite my attempts to rectify these errors through this credit reporting agency, the erroneous information persists, adversely affecting my ability to access credit and financial services. 

As per the FCRA, consumers like me have the right to accurate and up-to-date credit reporting, and any inaccuracies must be promptly investigated and corrected by the credit reporting agencies. However, despite my efforts to dispute these inaccuracies, this reporting agency have failed to comply with their obligations under the law, thereby causing ongoing harm to my financial well-being. 

Furthermore, the persistence of these inaccuracies violates my rights under 15 U.S. Code 6802, which stipulates obligations with respect to disclosures of personal information, and 18 U.S. Code 8, defining the obligations or other securities of the United State.

In light of the foregoing, I am requesting that the Consumer Financial Protection Bureau launch an immediate investigation into the matter and take appropriate action against the credit reporting agency responsible for these inaccuracies. I also request that all erroneous information be promptly removed from my credit report and that I be provided with a corrected copy of my credit report at no cost. 

PLEASE REMOVE THE FOLLOWING ITEM IMMEDIATELY XXXX XXXX 
{$240.00} Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue and ensure that consumers like me are protected from the adverse effects of inaccurate credit reporting. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SYNCHRONY FINANCIAL (PR)

On XXXX XXXX after getting my credit report, I noticed I do not have any credit scores reporting. I am an authorized user of the XXXX Credit Card since XXXX belonging to my husband. I have a card in my name so I called XXXX which referred me to XXXX XXXX and was advised that they do not report authorized users. After this, I told them I was going to contact CFPB to clarify this issue. I contacted by phone your agency and was told that if I have a card in my name they are supposed to report to the CRA 's. I informed XXXX XXXX of the information received by your agency and they were going to look into the matter. Nevertheless, after reviewing my credit report again in XXXX XXXX, the issue has not been addressed. By these means, I am appealing to you for assistance in resolving this matter, since I am in the process of purchasing a home and I need this to be reported on my credit report. XXXX actually reports to the three CRA 's so I should have all three credit scores since XXXX.