davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The CMI Group, Inc. (TX)

I called on XX/XX/2020 at XXXX CST to negotiate my payment terms. I agreed to pay only if the account was completely removed from my credit report. The call center representative then said I can go online and request that the account be deleted after I finish paying it, so I gave them my card information and scheduled two payments of {$290.00} for XX/XX/2020 and XX/XX/2020 via phone. I go and look at their website ( https : //www.thecmigroup.com/ ) and there is not an option to request that they delete a collection from the credit report like the call center rep stated. So then I cancel the debit card, so the other payment will not be processed. I then called the CMI Group on XX/XX/2020 at XXXX CST asking for correspondence saying that the debt will be removed in turn for the last payment, then the call center rep stated that it is their companies policy to not delete accounts from credit reports after they has been paid. I agreed to pay the balance on the premise of the account being deleted from my credit report, the first call center rep that I spoke to on XX/XX/2020 lied and deceived me into paying the account by saying that I can request that the collection be deleted on their website which is false because ( 1. ) its not on their website like he said and ( 2. ) the CMI Group 's policy states that they do not delete paid accounts from credit reports according to the call center rep I spoke to on XX/XX/2020. CMI Group is an unethical organization that lies and tells debt consumers what they want to hear in order to collect debt. This company does not need to be in business, with their egregious unfair practices and tactics. Also, during this whole time, I have never received any written communication from the CMI group about my debt even after I made the initial {$290.00} payment, I do not even know my account number with the CMI Group.
Consumer complaint received 2019-08-30
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: JPMORGAN CHASE & CO. (MN)

My wife and I purchased 2 international round trip airline tickets, to go on a cruise for our honeymoon. the airline stranded us in XXXX for over 24hrs, we took a different airline to get to and from, they also caused us to miss multiple days of our honeymoon. an overall awful experience. and the only thing that makes it worse is Chase Card services telling me the {$2400.00} charge for airline tickets we did not use ( due to XXXX XXXX rescheduling our flight ) is valid ... I've never been so disappointed with Chase in my life. Please help. 

Sincerely a 12 year customer of theirs.
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Io, Inc. (SC)

XXXX XXXX is on my Consumer report as well as my credit report for dates from XX/XX/XXXX to present XX/XX/XXXX and shows as a " collection '' or " no data for this time period ''. I have never used this insurance, and have had XXXX Car insurance since XX/XX/XXXX. I have contacted the company and was told they did not have a collection dept and they were not sure how to get me to the right person. I also contacted your organization, and was directed to to call XXXX XXXX as well. A ticket was created # XXXX
Consumer complaint received 2022-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NJ)

Experian continues to violate my rights. After disputing items they continue to appear on my credit report with new dates. These negative items have prevented me from owning a home as well as resulted in higher interest rates on my vehicle and credit cards. 

After having open disputes, the account remarks on my credit report do not reflect the disputes. This is a violation of federal regulation for each account. Also, accounts that were in charge-off status for over 7 years ( some over 10 years ) continue to be reported on my credit report. These are also violations of of my rights and federal regulation. 

I have found 18 instances of such violations appearing on my credit report.
Consumer complaint received 2022-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

Equifax continues to violate my rights. After disputing items they continue to appear on my credit report with new dates. These negative items have prevented me from owning a home as well as resulted in higher interest rates on my vehicle and credit cards. 

After having open disputes, the account remarks on my credit report do not reflect the disputes. This is a violation of federal regulation for each account. Also, accounts that were in charge-off status for over 7 years ( some over 10 years ) continue to be reported on my credit report. These are also violations of of my rights and federal regulation. 

I have found 30 instances of such violations appearing on my credit report.
Consumer complaint received 2022-06-19
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. (AR)

In accordance with The Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are violating my rights. 


15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years 15 U.S.C 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2018-08-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Consolidated Management Group, LLC (NV)

I made arrangements with the University of XXXX, XXXX XXXX, to pay my tuition in 4 monthly payments. Due to a medical emergency that required hospitalization and on-going treatments, I was not able to make those payments. The debt was turned over to XXXX XXXX XXXX. They sent me a letter on XX/XX/2018, with a Special settlement offer approved by UNIV OF XXXX XXXX. However, there was no amount listed. I sent them a letter asking for a written document with the amount of the " Special settlement offer '' at which time I would send them a check. I will not talk to them over the phone and/or make a payment over the phone. I need a demand letter and I will send them a check so that I have proof that the debt was paid. To this date, they have refused to send me that demand letter.
Consumer complaint received 2018-08-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: ID Analytics, Inc. (AZ)

Was going to move to XXXX my phone will not work on there network. I received a letter from XXXX XXXX XXXX XXXX. They state my credit card score is XXXX and my score is XXXX. 

The only way this company is going to be stopped is for people to file a formal complaint with the Consumer Financial Protection Bureau. XXXX should not be allowed to require personal, protected information in order to get a copy of your consumer credit report. I WILL NOT send a hard copy of my social security card, birth certificate, drivers license, etc to ANYONE especially a company I have never heard of until today. There is a 200 point desparity with XXXX XXXX and other agencies. Please, if you see this and have had any dealings with them, file a formal complaint..
Consumer complaint received 2022-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

TransUnion continues to violate my rights. After disputing items they continue to appear on my credit report with new dates. These negative items have prevented me from owning a home as well as resulted in higher interest rates on my vehicle and credit cards. 

After having open disputes, the account remarks on my credit report do not reflect the disputes. This is a violation of federal regulation for each account. Also, accounts that were in charge-off status for over 7 years ( some over 10 years ) continue to be reported on my credit report. These are also violations of of my rights and federal regulation. 

I have found 32 instances of such violations appearing on my credit report.
Consumer complaint received 2020-02-04
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA (VA)

I have sent multiple debt validation letters to the credit bureaus and the company with the most recent letter dated XX/XX/18. I have received a written response from the company. However, they never provided me with any documentation showing that I owed a debt to them. I have tried to resolve this issue for the last two years with no avail. However, they continue to report incorrect information on my report without adequately responding to my debt validation request.
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credit Karma (MA)

Our mortgage was remodified so it shows late payments which I understand, however all payments have been made on time since XX/XX/2017. There have been 19 payments on time since the modification. This just appeared on my report a few months ago?
Consumer complaint received 2022-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I noticed today XX/XX/XXXX that on XX/XX/XXXX Capital One furnished false and misleading information on my credit file showing my Capital One Spark account XXXX and Capital One personal, account XXXX, were both cards are closed with late payments and a balance. 

On XX/XX/XXXX, I sent Capital One in a payment for both accounts, so there should be no reason either account is currently reporting a balance. 

On XX/XX/XXXX, I also sent Capital One CFO a notice for late payments demanding that those late payments be removed off my credit report because it is a violation to report any personal transactions on a consumer report. 
Capital One has been in dishonor for failure to speak and stealing my negotiable instruments and not crediting my accounts. There is no lawful money therefore there is no lawful way to pay any alleged debt. Alleged debt can only be paid through valuable consideration of an instrument which Capital One can not request a specific species of instruments.
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In accordance with The Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are violating my rights. 


15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years 15 U.S.C 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, 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. (NJ)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, 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. (IL)

I contacted XXXX to dispute credit inquiries on my credit report due to their inquiry issues and was told that it did not affect me when in fact it did as i have several inquiries that i did not initiate. they were unwilling to help
Consumer complaint received 2022-03-06
Product: Credit card or prepaid card — Store credit 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: Army and Air Force Exchange Service (WA)

To Whom it may concern, MILITARY STAR XXXX XXXX XXXX XXXX MILITARY STAR is refusing to honor my remittance coupon I mailed in as payment and they refuse to adjust the balance on my account. I made the payment in accordance to UCC article 13, 15 USC 1602 ( l ) 18 USC 8, UCC 3-603, UCC 3-311 . See attached electronic return receipt.
Consumer complaint received 2022-03-06
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (KS)

EVERYTHING WAS GOING SMOOTHLY when I applied for a home loan through AmeriSave. The loan officer XXXX XXXX said that we qualify for X amount of loan and that FHA only looks at one year of income. So, we send our two years of tax returns and every document they asked us ( e.g., three months of bank statement, profit and loss, transaction history, etc. ). He stated that the " underwriters '' have examined our case and approved your loan. So, he sent us the preapproval and told us to shop for a house. 

After multiple attempts, we got lucky, found a house, and made a bid with a large amount of appraisal waiver and X amount of non-refundable earnest money. The seller accepted our offer ( although he had other offers with conventional loans ). We went under contract and started signing several documents. We paid the earnest money right away scheduled an inspection ( out of pocket ) and FHA appraisal. We informed our landlord and paid a fee to cancel the lease agreement, and the landlord started to look for other tenants. We told everyone the good news and started packing. Not to forget to mention that the FHA appraisal report required the deck to be repaired by the seller, and the seller magnanimously agreed to fix it immediately since he was also planning to move in less than two weeks. 

Then came THE PHONE CALL from our loan officer two weeks before the closing date. It was like a collision coming from nowhere. He mentioned that the " underwriters '' are saying that XXXX income is low and needs a co-signer. I was not sure how to respond. He specifically mentioned through a text message that we are only looking at XXXX income, which is why you are qualified for X amount of loan. Now, he is saying that FHA guidelines are to look for two years of income. I have included the text message to show that we were given false information and are not being unfair. Why wait until two weeks prior to closing to tell us that we need a co-signer? How did the FHA guidelines change within two weeks from 1-year income to two-year income? 

My wife and I are devastated. I am not sure who to blame but have decided to blame myself for trusting the loan officer ( XXXX XXXX XXXX and the underwriters ' work and judgment. We feel that AmeriSave has robbed us of our time, energy, and joy. We believe that we have been misled and given false hope and information. We are not the only ones suffering here. The seller and his family, both real estate agents, my family are all under emotional turbulence. Now, we have to beg people to co-sign for us or plead with the landlord to reconsider our lease, or we are homeless. What would you do in this scenario? What did we do wrong?
Consumer complaint received 2022-03-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/XXXX I contacted cfpb in reference to PayPal placing a hold on my funds totaling {$8400.00} and PayPal responded with they have rights in their guidelines to hold my money for up to 180 days its has been more than 180 days since XX/XX/XXXX I still havent received any notice of my money being released I have contacted PayPal on several occasions due to this altercation and they refuse to release my funds which they stated I should have received on or before XX/XX/XXXXXXXX XXXX
Consumer complaint received 2018-08-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FCRA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FCRA.
Consumer complaint received 2022-03-06
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

To Whom it may concern, Capital One XXXX XXXX XXXX XXXX Capital One is refusing to honor my remittance coupon I mailed in as payment and adjust the balance on my account. I made the payment in accordance to UCC article 13, 15 USC 1602 ( l ) 18 USC 8, UCC 3-603, UCC 3-311 . See attached electronic return receipt.
Consumer complaint received 2022-03-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NY)

The Telephone Consumer Protection Act is a separate federal law that regulates any entity that uses the telephone to do business. It applies to debt collectors, because they often or always limit themselves to phone or mail communications in their efforts to collect debts. Like the FDCPA, the TCPA is a strict liability statute that imposes damages of {$500.00} per call meaning that damages can mount quickly for someone accused of making daily or weekly calls that violate this law. However, the Federal Communications Commission has adopted regulations that clarify when, how, and to what extent the TCPA applies to debt collectors ; so it is important for debt collectors who face TCPA claims to use counsel who is familiar with this area and who knows what might and might not be violations. 
I WOULD LIKE MY ACCOUNT REOPEN OR I WILL GO FILE A FEDERAL LAWSUIT AND SHOW IN COURT MY PHONE RECORDS OR YOU GUYS WILL HAVE TO PAY {$500.00} PER CALL AS STATED IN THE LAW
Consumer complaint received 2018-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion has companies that I lave listed 2 times that I did not apply on hard credit nor can TransUnion prove or has TransUnion provided any documents or credit applications under hard credit to prove I applied for companies I never herd of or applied by my signature. Futher more transunion does not address the issues of Credit companies that ran my credit without my permission nor can TransUnion provide any substance to back that companies ran my credit illegally with out my permission. I have provided Transunion 2 times with no clear answer to prove on there part I sign or applied for the companies I have listed 2 times. Its nothing but fraud on TransUnion part with no proof. As to soft inquires I have opt out of all promotional inquiries as to TransUnion keeps selling information and violating my rights after sending letters U S Certified to transunion back in XX/XX/2016 tostop selling or market  me for profit after I opt-out time aftewr time which is my right.
Consumer complaint received 2021-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (DC)

I made an atm deposit of XXXX on XX/XX/2021, I were told I would get my money back in 10 business days or credited, its now way over 10 days I haven't gotten my money nothing in the mail or my account this is crazy
Consumer complaint received 2020-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (VT)

XXXX bought a new car, went to XXXX/Synchrony got the car rust proofed took out a 12 month no interest credit card set up a auto payment never got a billing statement at all. Four times I called them and they said they would send a statement never did. In XXXX of XXXX I bought a set of tires with six months interest free for 6 months if paid in full still never got a statement. in XXXX or XXXX called again they had charged me over 700 in interest because they made sure they were not payed first amount rust proofing was all paid to XXXX charged 400 plus and the tires another 300 plus still no statements to see where the payments were going or given the option to pay it off I received my first statement in XX/XX/XXXX. I have three accounts with them and two of them having the same problem no statement can't see where the money is going HSN, XXXX, and tires on XXXX which is now closed this company practices is very dishonest so you never pay off the specials they offer they need to change their way they do business Thank You