davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I had a flight scheduled from XXXX  to XXXX to XXXX  on Monday XX/XX/2020 ( Departure Flights : XXXX XXXX and XXXX XXXX. Return Flights : XXXX XXXX and XXXX XXXX ). Due to COVID-19, my flights were cancelled by the airline, XXXX. I booked my flight through Chase XXXX for XXXX XXXX  Rewards points ( a {$510.00} USD value ). I called Chase XXXX  on XX/XX/2020 and asked if I could receive a refund instead and they got in touch with XXXX on my behalf. After several calls, I was finally notified by Chase XXXX through email on XX/XX/2020 that XXXX had denied my request for a refund and that I was only given a flight voucher. I was told that the airline 's policies did not allow them to give a refund. The airline 's policy was to simply give travel vouchers to passengers of cancelled flights. According to a notice published by the U.S. Department of Transportation on XX/XX/2020, " airlines have an obligation to provide a refund to a ticketed passenger when the carrier cancels or significantly changes the passengers flight, and the passenger chooses not to accept an alternative offered by the carrier. '' Additionally, the notice states that " Ticket agents are required to make 'proper ' refunds when service can not be performed as contracted on a flight to, within, or from the United States . '' XXXX 's refund policies clearly violate their obligations to provide ticketed passengers refunds when they cancel flights. My flights originating from the US and arriving to the US were cancelled, and XXXX and Chase XXXX  are both denying me a proper refund for services that were never carried out. I do not want a flight voucher and I made this very clear to the Chase travel agents as well as to XXXX. Since I booked my flight using Chase XXXX  Rewards points through the Chase XXXX portal, I am unable to file a dispute to get a refund for a service that I was never provided. Additionally, Chase XXXX has been of no help and has chosen to defer to the airline 's policies despite having the ability to refund my XXXX XXXX Rewards points to my account. Chase XXXX Rewards points are part of a financial institution and function as cash since they can be used to book travel, pay for credit card statements, and be redeemed for cash. Chase should be held accountable as a financial institution for the following two reasons : 1. Not providing me refund of my XXXX Rewards points 2. Not having a mechanism in place to dispute charges for fraud or services not rendered when using rewards program points that function as currency.
Consumer complaint received 2021-12-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (FL)

In XXXX, XXXX  I was in the process of closing on a conventional mortgage refinance with Better Mortgage Corp ( XXXX XXXX ). The mortgage closing was eventually terminated due to the application not meeting conventional mortgage guidelines. On XX/XX/XXXX, a representative of Better Mortgage Corp ( XXXX XXXX ) contacted my homeowner 's insurance provider XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) without my knowledge and updated the policy 's 1st mortgagee information. I was not made aware of this until I received a paper notice from XXXX XXXX on XX/XX/XXXX, at which point I contacted XXXX XXXX  to notify them of the unauthorized change performed and instructed my agent 's representative to revert the change.
Consumer complaint received 2021-10-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: World Omni Financial Corp. (OH)

On XX/XX/2021 I the consumer and natural person was violated and had my property seized and stolen from me by and unauthorized third party by the name of XXXX XXXX. I have never had any prior business or interactions with this company nor have I ever gave this company consent to take possession of my private property. I am in fact the entitlement holder for the property and I demand I be returned. This company received an order from XXXX XXXX XXXX to take my property due to non payment but it is a fact that this vehicle was paid of pursuant to 16 cfr 433.1, 16 cfr 433.2, and 16 cfr 433.3. This vehicle was 100 % paid off from XXXX XXXX  XXXX XX/XX/2021. After it was paid off, the dealer sold this contract to XXXX XXXX XXXX XXXX. This notice is for XXXX XXXX and XXXX XXXX XXXX. XXXX XXXXy request a copy of the alleged agreement between this company and look at page 3 section 2 ( c ) It states " This secures payment of all you owe on this contract ''. Also there was a cease and desist placed on this on vehicle XX/XX/2021 at XXXX ( the recording will be attached ) Notice to agent is Notice to principle, Notice to principle is notice to Agent This is a formal notice This is a Cease and Desist I am the consumer pursuant to federal law 15 usc 1692D I am the administrator, and executor. You all have violated 15 usc 1692B ( 2 ), 15 usc 1692C, 15 usc 1692D ( 1 ), 15 usc 1692D, 15 usc 1692E, 15 usc 1692F, and most importantly 15 usc 1692G ( c ) I am the consumer of the united states and I dont owe anyone anything and this is written notice that I refuse to pay any and all debts until you all provide me with federal laws that state that I am responsible for paying any debt and written disclosure that I gave you stating that I want to do business with either of you, ( contracts that where purchased do not suffice as written agreements between XXXX  XXXX  or XXXX XXXX XXXX XXXX ). 
Return my property to me!!
Consumer complaint received 2020-11-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

XX/XX/XXXX I sent a letter to the bureaus in regards to my items being disputed in all forms of inaccuracy XX/XX/XXXX I got no response then I filed stating I was reporting them & certified these aswell.
Consumer complaint received 2021-07-20
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)

After Providing The Three major credit bureaus With My Fraud Claims. The companies Have failed to remove all the inaccurate reporting 's. While some accounts were removed I have been getting Denials to remove other items & accounts related to fraud. And also overlooking my request for contracts regarding these accounts This has affected My life Tremendously. Also This has been ongoing for almost a year now.
Consumer complaint received 2020-11-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OH)

My mortgage, Loancare, disbursed money out of my escrow account to pay taxes that were supposed to be paid at closing or before closing. They paid XXXX XXXX Treasury Department {$1100.00} in XX/XX/XXXX for XXXX taxes, which I was not responsible for. I closed on my house XX/XX/XXXX. The closing documents clearly states the property taxes were prorated for 5 months and were not due until XX/XX/XXXX in the amount {$450.00}. I have been in communication with XXXX from XX/XX/XXXX XXXX XXXX, XXXX from XXXX XXXX Treasury Department, XXXX from XXXX XXXX XXXX, and XXXX from Loancare. No on is admitting their mistake. 

This started whenI received an invoice from Loancare stating I needed to pay them {$480.00} by XX/XX/XXXX or they were going to increase my mortgage payment by {$40.00}, to replenish my escrow account. 

I have been dealing with this for well over a month and no one is admitting their mistake, meanwhile, I've have to make two payments of {$40.00}, to Loancare for the " insufficient '' escrow account. 

I would like someone to contact my as soon as possible so we can get this resolved and I can get my money back.
Consumer complaint received 2021-07-20
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: MoneyLion Inc. (OH)

The is my THIRD!!! dispute letter and the account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. This is in Violation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
-XXXX  XXXX # XXXX ( PIF ) -XXXX XXXX XXXX XXXX # XXXX XXXXMONEYLION INC # XXXX
Consumer complaint received 2021-07-20
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: I.C. System, Inc. (OH)

The is my THIRD!!! dispute letter and the account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. This is in Violation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
-XXXX  XXXX # XXXX ( PIF ) -I C SYSTEM INC # XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-07-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

Moving to pay off debt from apartments I lived in and had already paid half of the amount. The apartments told the debt collector to put my account on hold due to this. Now, I have fully paid off the amount of debt to the apartments and they said I was good to go. Today I get a call from the debt collector threatening to damage my credit because I didn't pay them correctly and now they are threatening to keep my private information and charge the amount on my card.
Consumer complaint received 2023-01-18
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: Experian Information Solutions Inc. (LA)

On or around XX/XX/XXXX, a potential lender checking my credit discovered a delinquent credit card debt with XXXX Bank listed on my credit report. On XX/XX/XXXX, I reviewed my Experian credit report in detail and found the credit card debt in the amount of {$3900.00} opened on XX/XX/XXXX in my name and was closed as a charge off after a couple of payments were made and then stopped. The status was updated in XXXX, XXXX. I'm not sure if this represents the date it was closed as a bad debt, charge off. I do not now nor have I ever had a credit card account with the US Bank. Therefore, I filed a dispute with Experian. I was directed to a phone number to speak with a representative which was someone at Experian. She asked if I had spoken with the creditor. I told her not as of yet as I thought the number I was calling was the creditor. I was told to file a report with the FTC and provide them with a copy. She asked if I wanted her to place a lock on my credit file and I told her yes. She said this would stop anyone from opening credit in my name unless they verified that with me first. This was to last only for 1 year. She asked that I upload a copy of the FTC report to their website if one is filed. 

I attempted to contact a bank representative on XX/XX/XXXX by calling XXXX to determine how this account was opened in my name and to get it cleared from my credit report since it is not mine, but after being transferred a couple of times by XXXX XXXX and XXXX XXXX, the third person I spoke with XXXX XXXX told me she could not do anything that day and told me to call back on Monday XX/XX/XXXX which I did but the bank was closed for the XXXX XXXX. I attempted another call this morning, XX/XX/XXXX to XXXX and was told by an unnamed employee that I needed to speak with a XXXX XXXX as she was the agent handling the case and her telephone number is XXXX. Unfortunately, she is out of the office until XX/XX/XXXX so I left a message on her voice mail for a return call. I have not had success thus far in speaking with anyone and since they do have my SSN I don't have any confidence that they will agree with me that I am not the person who incurred the debt with them. I'm simply tired of the run around. Therefore, I proceeded to file my complaint with the FTC and I was rerouted to your website as the agency that handles this type of complaint. Can you assist me with getting this cleared up and removed from my credit report please. 

Note : An initial fraud alert has been placed on my XXXX Credit Report until XX/XX/XXXX. They forwarded the alert to the other 2 credit bureaus, Experian and XXXX.
Consumer complaint received 2023-03-27
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. (NJ)

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 2023-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I hereby file a complaint about a data breach from Lopez, et al. v. San Andreas Regional Center Case No. 21-cv-386748 Superior Court of California XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion have all refused to provide a credit report online because it was my child under XXXX was involved in the data breach. 

I am filing a complaint since there is no monitoring or protection of credit score or credit history for my minor child.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Acct closed date : XX/XX/XXXX Written off in filed for payoff on taxes tax year XXXX. Company has confirmed this debt has been paid in written off. Numerous attempts to remove negative impact in nothing has been done.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

i have XXXX closed and XXXX open credit cards with capitalone bank and want these to re-inserted into XXXX and XXXX today. pleaSE FURNISH ME LETTERS OF INSERTION FROM BUREAUS.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (AL)

My XXXX  account number : XXXX On XX/XX/XXXX I finance two puppies with, XXXX  for {$2500.00} with a ninty day same as cash and made a payment of {$440.00} on XX/XX/XXXX and XX/XX/XXXX I paid XXXX, XXXX and the final pay was paid on XX/XX/XXXX of {$460.00} which I've paid this account out in full. 

In XXXX 0f XXXX XXXX XXXX reported to the credit bureau that my account was delinquent which is very untrue. 

I called XXXX on XX/XX/XXXX and the XXXX and XXXX also XX/XX/XXXX with no avail of them trying to resolve this matter nor did, XXXX or XXXX tried to help me in resolving this issues at hand which has caused my credit score to drop and hardship to my living and for me to get a loan form anyone else due to their misleading fraudulent report of me missing a payment. 

These people at, XXXX XXXX XXXX XXXX are misleading and scammers they're fraudulently mishandling my paid in full never late account with their company! 

XXXX XXXX needs to correct my credit report with all three reporting agecny!
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CT)

I added a bill on Experian boost and my XXXXredit score boosted by XXXX points. I gave the company a great review and I was very happy because I worked really hard on my credit score. Last month, I payed off my credit card in full. The moment my credit usage went down to XXXX  on my Experian report that I look at every day, my credit score dropped by XXXX points. The same points my credit score raised to when I used Experian boost. I was deeply upset because I worked so hard on my credit score the last 4 years. My credit should of boosted by XXXX points. Not drop by XXXX points once I payed off my credit card balance. I tried contacting the company by email and just received an automated response. I also contacted this company by XXXX and XXXX, still no response. I am scared my credit score will drop even more. This is not fair!
Consumer complaint received 2022-04-27
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: CMG MORTGAGE, INC (TX)

On XX/XX/2021, XXXX, XXXX ( CMG Mortgage Inc. ) reported a hard inquiry on my credit profile with the 3 credit reporting agencies : XXXX, XXXX, and XXXX, without my written authorization.
Consumer complaint received 2018-10-13
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. (NV)

" " '' I have disputed this collection on this XXXX XXXX   XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2023-03-01
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. (CA)

I am writing to file a dispute against Equifax consumer credit reporting agency, for their violation of my right to privacy and their unlawful furnishing of data onto my credit report without my written consent on XXXX XXXX XXXX XXXX Acct # XXXX & XXXX According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i credit reporting agencies like Equifax are required to obtain written consent from consumers before furnishing their data to third parties. However, I have recently discovered that Equifax has furnished data onto my credit report without my written consent, which is a direct violation of my rights under the FCRA. 

Furthermore Equifax has not been transparent about the data that they have furnished onto my credit report. They have failed to provide me with a clear and complete disclosure of the nature and scope of the information that they have collected and disseminated about me. 

As a result of Equifax actions, my privacy has been violated and my credit report has been negatively impacted. I have suffered financial harm as a result of Equifax unlawful furnishing of data, which has caused me to be denied credit or to receive credit on unfavorable terms. 

I am requesting that the Consumer Financial Protection Bureau investigate Equifax for its violations of the FCRA and take appropriate action to ensure that my privacy is protected and that they cease all unlawful furnishing of data onto my credit report without my written consent Thank you for your attention to this matter.
Consumer complaint received 2021-10-22
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. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

Citi is not applying payments to the highest rate balances after the minimum payment. Instead they are applying payments first to 0 % balance transfer offers before purchase balances. This leads to making it difficult for the consumer to pay off the purchase balances and getting charged more interest than if they were paying off the highest rate balances first after the minimum payment as the card act stipulates. The balance transfer offers are 0 % for a limited amount of time and not deferred interest offers.
Consumer complaint received 2021-06-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: WELLS FARGO & COMPANY (NJ)

This account does not belong to me. Please have them removed from the 3 credit reporting agencies Please see bellow th elist of accounts : Identity Theft WELLS FARGO Account Number : XXXX This is not mine.