davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Google Compare Credit Cards Inc. (IN)

My XXXX Visa credit card was charged without my authorization by a merchant described as XXXX twice in XX/XX/2018. One charge was for {$99.00} and the other was for {$19.00}. I contacted the merchant, XXXX, and was told that it has a policy that it does not refund any charges. Therefore, I contacted my credit card issuer, XXXX XXXX, and disputed the charges as fraudulent in late XX/XX/2018. XXXX issued a replacement Visa card and suspended ( made those two charges not due on next statement ) the charges. XXXX contacted my by phone about my dispute, and I reiterated that I did not authorize the two disputed charges from XXXX in XX/XX/2018. XXXX then sent me a letter in XX/XX/2018 stating it had reviewed my dispute and found I received benefits. XXXX would therefore apply the charges to my next statement. I responded to XXXX on XX/XX/XXXX and XX/XX/XXXX using XXXX 's secure messaging to reference my disputes and subsequent letter stating XXXX would be applying the charges to my next statement. In these messages, I communicated that the disputed charges were fraudulent, and I did not receive any benefits. XXXX responded promptly ( most likely with an automatically generated response ) stating that, after my dispute was investigated, I would receive a letter regarding resolution. Since I've already received that letter from XXXX XXXX, and the resolution is unsatisfactory to me, I am escalating my dispute to CFPB. The disputed charges from XX/XX/2018 are now showing on my XX/XX/2018 credit card statement. I appreciate your assistance in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-10-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (FL)

On Monday XX/XX/2018 I received a letter from ProCollect Inc. After reviewing the content of the letter, my wife & I decided to give them a call. During the conversation the agent mentioned that we can immediately pay by Debit Card, because the payment deadline is XX/XX/2018?. She explained that the original creditor sold the debt to ProCollect without contacting me first!. 
On Wednesday my daughter who was the tenant decided to stop at the creditor ( District of XXXX, XXXX, Florida ) office for clarification of the charges. The answer she received was, that we need to contact ProCollect because they already sold the dept to them.
Consumer complaint received 2020-07-05
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)

As of XX/XX/2020 XXXX XXXX said they would request their information be removed, CFPB ID XXXX. 

I called and talked with Equifax XX/XX/XXXX or XXXX, 2020 the Representative stated that it was removed and would send me a credit report stating this, it would take up to 15 days. 

I ran my annual free credit report XX/XX/2020 and see that XXXX XXXX is still listed. 

Also I filed a dispute with Equifax about this matter the first of XXXX and on XX/XX/2020 and they said this collection was valid but on XX/XX/2020 XXXX told CFPB and me they would have these removed seems to be a conflict in statements to federal agencies a U.S Citizens. This seems to be in violation of the FCRA. and has caused me harm. 

I have not lived at the address in question for over 5 years, Equifax knows this via there knowledge of my address, they use my past and current address for verification steps.
Consumer complaint received 2018-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (TX)

Searching for a hotel room on the XXXX website I came across a banner at the bottom of the web page which offered a {$200.00} statement credit after 1st purchase. I clicked on the banner and was redirected to a site where I applied for the credit card. After receiving my 3rd statement, I called to inquire as to why I had not received the {$200.00} statement credit ( the promotional offer ) that had convinced me to apply for the card. The first person I spoke with said that they could only put in a request to look into the matter. I then asked to speak with a supervisor. The supervisor I spoke with said they could only provide me with another offer, which was XXXX reward points. I explained that the promotional offer they were trying to offer me was not the original offer that had convinced me to apply. So, I requested to speak with their supervisor and was kindly connected. The third person I spoke with, XXXX XXXX in XXXX, claimed that they could not " downgrade '' me to the original promotional offer because of policy. I explained that it is frustrating to be offered one thing and then given another. I asked her if I could speak with her supervisor and XXXX 's response was that her supervisor was " not a phone supervisor, '' so I asked how I could get a copy of the transcript of the conversation. XXXX 's response was " with a subpoena. '' It is exceedingly disappointing that Chase would use bate and switch tactics. It is clear that Chase would rather have XXXX provide me with a promotional offer of XXXX points as opposed to Chase having to provide me with the {$200.00} credit statement. However, the most appalling part was that I was antagonized to take legal action by XXXX XXXX, this type of conduct is irresponsible and unbecoming of a customer service supervisor. My prayer is that Chase honors the promotional offer that convinced me to apply for their card and that both XXXX and especially Chase take the time, effort and resources to deliberate if this is how they wish to treat their customers.
Consumer complaint received 2021-04-14
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: EQUIFAX, INC. (CA)

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Consumer complaint received 2018-11-12
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. (GA)

My late father 's house had a {$120.00} utility bill by XXXX XXXX. The bill was sent to the new owners and they did not forward the bill to me for payment. 
I sold the house and the bill was in limbo as to who owed the bill. 
I never received any notice from XXXX, or XXXX, ( collection agency ) until it was turned over to collection. I sent two letters to XXXX explaining the situation and that the bill was due / paid by the new homeowners. Zero response from XXXX. 
Finally when I saw the collection on my credit report, I called XXXX and explained that I would pay the bill but I needed the collection off of my report. They stated that they would show it paid, but not take off the report. 
I contacted XXXX XXXX and they stated if I paid them, ( XXXX ) they would notify XXXX that this was paid in full, and to mark paid and remove from my credit report. This was not done. 
I filed letters with the three credit agencies stating the dispute, and to remove. XXXX   removed it in 24 hours. The other two agencies have not. 
This gross mistake by XXXX is costing me a mortgage and poor credit score. 
Thank you in advance for your help.
Consumer complaint received 2018-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/2018 Approximately XX/XX/2018 I opted to have my credit score, and any actions that seemed wrong, to be seen by me online. The offer was 'offered ' by TransUnion XXXX 
The offer was a dollar ( {$1.00} ) to view all 3 credit scores and details. 
" What really happened '', I was unable to see the scores and detail without giving my private information, including credit card info. I was also unable to see them without creating an account in all the different places ( XXXX, etc ). So, you were creating account after account. There were steps, and then more steps. This became confusing. 
In the process, I was not aware that a temporary account was being setup to monthly extract {$19.00} from my debit card ( since XX/XX/2018 ). 
I have now paid {$180.00} to TransUnion to date, before I told my bank to not allow this anymore, changed my credit card, shredded the other, and informed TransUnion ( by phone 'today ' XX/XX/2018 approximately XXXX CST ) to cancel this account immediately. I was told by TransUnion the account would be closed on XX/XX/2018, a week from now?. I was also told that I would not be getting a credit for this, and that " I could do what I think is best '' about contacting the CFPB and filing a complaint. 
This bank account is not one that I have monitored very closely in the last year, or so. The reason is that I have been concentrating on other accounts that I have. 
I clearly perceive this as fraudulent advertising. They may show their intent in the beginning of this process somewhere, but obviously not very clearly. 
Hence the amount of complaints that can be seen online, and I am sure you are getting. 
On a personal note, I am shocked that these are the people we ( the people ) trust to give accurate credit information. They also are trading stocks ... It is appalling.
Consumer complaint received 2018-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/29 I purchase 4 flight tickets totaling {$790.00}. Next day I called flight company to cancel one since this person couldn't make it to flight. Company refused to cancel. I contact American express to see which were my options. They said they would open a dispute for one ticket to be canceled. They didn't notify me of the findings days after. They just sent me a letter for a survey of the dispute that was already closed. I contacted amex to see the ending of dispute and they said it was on flight company 's favor. I called flight company and they said. They said my tickets were canceled due to amex saying transaction was not recognized ( I never said I did not recognize transaction [ i only wanted to cancel 1 ticket ] ) I called amex and they said they needed proof it was cancelled. Finally I got proof the whole transaction was canceled {$790.00} flight company sent me a letter. Amex made me write down additional letter with details. I did and included letter from flight company that states the transaction was canceled and still amex went ahead and charge me for that transaction that had been canceled. They are still charging me {$790.00} and they refused to solve my problem ignoring the fact that transaction was cancelled a month before " departure date '' and even flight company sent me a letter, Which was originally requested by amex and now still amex is charging me for a service that was completely cancelled.
Consumer complaint received 2018-11-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (NV)

I was sent a bill for something I feel I don't owe, CMRE financial services is sending me a bill to an address I have not lived at in over 15 years. When I lived in in California I always had XXXX  to cover any medical expenses. I fell they are fraudulently trying to collect on something that is not mine. I demand that cmre financial services send me proof of this Bill in writing as required my the fair Credit reporting act by 5 days of receiving my request.
Consumer complaint received 2021-04-14
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Fusion Auto Finance (NY)

The debt collectors Fusion Auto and XXXX XXXX XXXX were notified in writing by my attorney by letter dated XX/XX/XXXX and XX/XX/XXXX to not contact me directly and instead direct all contact to my attorney. 

This includes a letter and phone call on XX/XX/XXXX and phone calls of XX/XX/XXXX and XX/XX/XXXX Since then they have made repeated harassing and threatening phone calls to me and have refused to contact my attorney. 

This is regarding money claimed to be owed on an auto lease but disputed.
Consumer complaint received 2018-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

Over the last several months I have made numerous efforts to get information corrected on my credit reports. I have contacted both the creditor and the credit bureaus and they have refused to property investigate, update, and send a method of verification to specifically tell me how the information was verified per my right and request. XXXX XXXX responded to my complaint as being actual and correct with the actual contract. In that contract it shows that the total amount of my payments were {$21000.00} but yet are reporting my high credit as different and a lower number to the credit bureaus. Additionally XXXX XXXX stated that they have consistently reported the same information to all 3 credit bureaus. Not only has XXXX XXXX been inconsistent in reporting my payment history correctly they have changed some positive some negative history between all 3 credit bureaus multiple times. The last payment on the XXXX account is reporting 30 days late. I had bought a new vehicle and the new bank XXXX paid off the account. It was my understanding that XXXX would have had the payment in before it was 30 days late and was not a fault of mine if is was received late. My payments had been on time as reported and I asked XXXX XXXX as a good faith effort to either not report that month or show as paid on time and they refused. The errors, inconsistency, failure to properly investigate, send me a specific method of verification as requested is not only hurting my credit, score, it is a direct willingness to violate my rights under FCRA. I have attached proof of my complaints for your review. I demand this be corrected at all 3credit bureaus within 15 days for the date of this complaint. Updated credit reports sent to my mailing address will be expected.
Consumer complaint received 2018-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX.
Consumer complaint received 2018-10-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Abrahamsen Ratchford, P.C (ME)

Received letter from " law firm '', stating they are collecting for an alleged defunct credit card. I am exempt from letters as such, as I am a XXXX veteran, battling XXXX.
Consumer complaint received 2018-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have disputed the late payment on this XXXX XXXX XXXX for months. XXXX and XXXX  have reversed them but Equifax 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. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2018-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BB&T CORPORATION (SC)

Hello, BB & T has refused to engage in adequate dialogue to resolve a case related to a credit card charge on XX/XX/2018 to XXXX for {$450.00}. Despite having no services received from XXXX for the transaction, BB & T has allowed a fraudulent charge to be charged back on my XXXX account statement. 
Despite many attempts to contact BB & T through email and phone calls, they have ignored any attempt at a resolution.
Consumer complaint received 2018-10-18
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: Experian Information Solutions Inc. (GA)

XXXX Card is reporting the wrong information to the three credit reporting agency. I have disputed this account to XXXX Card, XXXX, XXXX and Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have made numerous phone calls to XXXX but the issue has not been rectified. I filed a complaint with the XXXX XXXX XXXX ( XXXX ) and CFPB ( XXXX ) in XXXX. The executive office of XXXX Card responded that the information being reported is accurate. I sent certified mail to XX/XX/XXXX, Experian and XX/XX/XXXX in late XXXX or early XX/XX/XXXX disputing this inaccurate information that is being reported by XXXX Card. I just did a credit check on XX/XX/XXXX and the information is still inaccurate. I have started a legal action against XXXX Card, XXXX, XXXX and Experian. 

My credit history should report the payment being charged off in XXXX of XXXX, not XX/XX/XXXX. On XXXX, it is reporting multiple charge off months and late payments but none of my on time payments which is not an accurate reflection of my payment history. It is showing multiple charge offs months on XXXX up to XX/XX/XXXX. This is gross FDCPA and FCRA violations. I have extremely stressed out by this ordeal. I wrote a demand letter to all three credit bureaus to delete this information from my credit profile since it has failed to report accurately but to no avail.
Consumer complaint received 2018-10-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: NAVY FEDERAL CREDIT UNION (MO)

On XX/XX/XXXX i spoke with XXXX XXXX about a business loan. He explained to me that I could apply for XXXX term loan and a credit card visa and a Business Line of credit XXXX he told me to request these amounts we emailed in correspondence he never got back with me after we spoke on the phone prior to the two emails he sent stating to provide tax returns after he told no financials were needed upto XXXX. I requested a call from his supervisor he has ignored all my emails and phone calls. i spoke with several representatives and they have told me someone would be calling me i never recieved a call spoke with another represenative at the beginning of XXXX she advise me her Boss XXXX would be giving me a call never recieved a call. They have really bad reiviews on the business side and I would like for the hard inquiry to be removed immediately do. my credit score with XXXX is XXXX and i refuse to have a inquiry that was given to me due to lack of product knowledge on Mr. XXXX XXXX 's behalf and the unprofessionallism to an consumer and a member of the institution.
Consumer complaint received 2018-10-18
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ONLINE Information Services, Inc. (GA)

Contacted by Online Information Services who stated I owed a bill in the amount {$130.00}, and that I needed to take care of the payment immediately. The representative went on to informed me further action could be taken if I failed to pay the amount now. The representative stated once the account was paid, it would be removed from my credit report and no further calls would be made by them. I paid the {$130.00} immediately and noticed it stayed on my credit report. I contacted Online Information Services who stated they would not remove the account. I alerted them to the fact that I was told by their representative that the collection would be removed and account updated, they went on to inform me the representative informed me incorrectly. Refused to update my report with the correct information. 




ONLINE Information Services , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ONLINE Information Services Phone Number : XXXX Website : http : //www.onlineinfoservices.com/start/