davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

My account information was provided to XXXX credit reporting companies without my written consent. No consent is identity theft. The company has stated that it is in their documentation to reports accounts and that I signed it when creating an account. I don't have an account with Capital One and never have had XXXX.
Consumer complaint received 2023-03-24
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. (NJ)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX1400.00}.
Consumer complaint received 2021-07-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

To whom it may concern, I sent out a debt validation letter to ARS Collection agency. asking for them to validate the debt the say I owed them. This is the following things I asked them to validate and verify : Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Date of alleged services List of services/procedures performed Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Provide a copy of my signature from the provider showing my request to release information to you Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 
I only received a letter stating my balance. I will upload the letter This is a FDCPA violation and also FCRA violation.
Consumer complaint received 2022-09-20
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. (PA)

In accordance with the Fair Credit Reporting act XXXX  the following accounts XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, has violated 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 a account without my written instructions
Consumer complaint received 2021-07-15
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: Onity Group Inc. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-11-29
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. (CA)

These accounts was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information
Consumer complaint received 2021-02-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (GA)

I have a charged off balance on a Paypal credit card through Synchrony bank. I called them on approx. XX/XX/XXXX to inquire about settling the balance. They offered a settlement of {$350.00} ( half of the balance ) which I accepted. I asked them to send the offer in writing so that I would have a record. They sent me the offer letter, which reads in part " Please remit this payment 30 days from the date of this letter. If we fail to receive the above payment by indicated date, the amount will not be settled pursuant to this arrangement ''. The date of this letter as noted in the upper right corner is XX/XX/XXXX. I called Synchrony today XX/XX/XXXX to pay per this letter and have been told that the offer was voided/cancelled due to non-payment as of the XXXX of this month. None of the agents that I spoke to have access to the letter which shows the date of XX/XX/XXXX and are refusing to honor their own written agreement. I have asked for a return call from a supervisor 2x today and have not gotten a call. I am asking for Synchrony to honor their written agreement so that I can settle this once and for all. Dealing with Synchrony has been a nightmare, they do not follow through with anything they say and fail to honor their own contracts. All I want is to have this settled.
Consumer complaint received 2021-02-25
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. (PA)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Consumer complaint received 2021-02-24
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. (WA)

I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.
Consumer complaint received 2022-12-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

Check system has repeatedly done little tricks to change my password and keep me locked out of the account to give me the verify whatever they're trying to give me the verify this is becoming discrimination I called you in a few minutes a second ago and they told me that I needed to give my consumer portal twice two or three times a week and I don't understand that when they just sent me correspondence if every day for the last 4 days telling me to check your correspondence and log into the portal so you can see what we are response was and if I don't understand why they send me that and then tell me I can't check it then why use it ad a point of communication.p they're about they've also made it very difficult for me login by changing my password and trying to give me to lock my own account so that they can call I have to call them to verify whatever it is that we're fine I took screenshots of this so as proof I tried to log in the first time and they sent me to a screen that I did not set that email and have no ideal who I COULD Email it was Then 5 minutes later I try to log in again under private browser it takes me to my correct email address that I set up this is not an accident this is them playing games
Consumer complaint received 2021-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (NV)

Selena Finance fail to provide the monthly statement in few months after they took over the service from the previous mortgage. 

It is crystal clear now, that there is an error in Selene Finance system and they still can not provide the statements for the those few months. 

During the first 60 days after Selene Finance took over my mortgage, I have been calling Selene finance and telling them I want to pay but I haven't received the statement and the coupon. Their kept telling me that Due to COVID, there will be a 60 days delay and just want me to wait, wait and wait. The last call was on XX/XX/XXXX, with call reference XXXX. They still told me to wait and no instruction for how to pay the payment without the coupon This got resolved until XX/XX/XXXX with was more then 60 days since Selene Finance took over the service. The reason it got resolved because I filed the complaint with CFPB on XX/XX/XXXX. 

As fact, Selene Finance laid to me and using the excuse of " COVID impact '' instead of telling me it is program issue and not instruct my correctly with the payment. As a result, Selene Finance charged me late fees for {$63.00}. 

I should not be punished by the late fees since Selene Finance laid and did not provide the right service for my mortgage.
Consumer complaint received 2021-02-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (VA)

I have only attended XXXX colleges during the time that I have been in college obtaining my college degrees, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX & XXXX XXXX. 

I have been battling with Navient & Sallie Mae since XXXX to now regarding student loans that are not mine. I have student loans on my account for schools not only that I did not attend which were XXXX XXXXXXXX & XXXX XXXX XXXXXXXX XXXX. I also filed this student loans in a Ch XXXX BK in XXXX that was discharged as a result of these not being my student loans because I was a victim of Identity Theft during this time ; XXXX and after. I submitted all documentation to the Department of Education, Sallie Mae and Navient who by the way denied my Identity Theft claim, and now they are stating that they never received any of the documentation. 

I am moving forward with filing a lawsuit against Department of Education and Navient who also bought out Sallie Mae who was also sued as well and having an ongoing lawsuit just like XXXX does. I know because they offered me a settlement as did Sallie Mae. I am also going public with this information with social media and news outlets. 

Sallie Mae was scamming us for years and now Navient is doing the exact same thing. I refuse to pay for student loans that I did not benefit from at all this is beyond ridiculous I reached out to Department of Education who referred me to Navient on XX/XX/XXXX and they have the power to remove the loans that are not mine but refuse in which to do so. 

I have been battling this matter for 8 years and I want these loans removed from Department of Education, Navient, and my credit reports as well. The interest alone is beyond ridiculous. My student loans have ballooned from {$160000.00} to {$190000.00} and now I am supposed to pay for loans that are only not mine but was also discharged in a Chapter XXXX BK in XXXX. I do not think so not on my life. 

This is a violation of my civil rights and the right to have due process. I was not even allowed to appeal the process despite the fact that there is an appeal process nor did I receive a letter from Department of Education regarding them denying my Identity Theft claim which is overly ridiculous above and beyond because I sent them all the supporting documentation to support this. 

Things have to change with regards to who's in charge and who's making these decisions. This is not conducive to how business is conducted and handled. 

I need and want answers and support with regards to this matter and I need them now. I want this matter resolved promptly and now rather than later. I am tired of this and it has been 8 years and I am going to do whatever I have to do to deal with this matter. 

I can be reached by email at XXXX or XXXX.
Consumer complaint received 2021-02-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Lipsky & Associates, Inc (AZ)

I enrolled in the Equity Plus Biweekly Mortgage Payment Program. They were to automatically withdraw {$920.00} every two weeks and pay my mortgage to XXXX XXXX, the financial institution that holds my mortgage. On XX/XX/21 they withdrew {$920.00} and on XX/XX/21 another {$920.00} but never paid my mortgage. I am now one month behind and do not have the funds to get current. Attempts to reach the company are not successful. All telephone call attempts reach a voice mail that says " please call back during regular business hours '' and the line then disconnects, providing no ability to leave a message.
Consumer complaint received 2021-11-29
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. (MD)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. The accounts that does not belong to me, are constantly reporting on my Credit Report. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Charge Off : XXXX XXXX - Balance : {$450.00} XXXX XXXXXXXXXXXXXXXXX XXXX Balance : {$11000.00} Collection : XXXX - Balance : {$450.00} XXXX XXXX XXXX - Balance : {$460.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX - Balance : {$250.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$860.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$120.00} XXXX XXXX XXXX ( Original Creditor : XXXX SERVICES XXXX ) XXXX - Balance : {$300.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX - Balance : {$120.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX - Balance : {$120.00} ( Original Creditor : XXXX ) XXXX - Balance : {$25.00} ( Original Creditor : XXXX  ) XXXX - Balance : {$25.00} ( Original Creditor : XXXX ) XXXX - Balance : {$25.00}
Consumer complaint received 2021-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC (GA)

Family of 3, XXXX XXXX  and XXXX XXXX  hacked and controlled on XX/XX/XXXX. 
About XXXX XXXX we started receiving texts from XXXX that our phone service was being shifted. to another carrier. Indeed, our phone numbers were ported and killed at XXXX. Then our email addresses were hacked, and thus we lost control of our XXXX and XXXX accounts. 
Then began several hours of notifications that our funds were being moved, requested, from banks and credit cards. 
WE froze our bank account, and killed our credit cards. 
So no money was actually taken, it just appeared to shift between our 3 family XXXX accounts. But all our money remained where it should be, since we interrupted the supply!! 
HOWEVER, XXXX has a policy that credit card use with them requires a fee! So even though no funds were moved, and XXXX was VERY unhelpful, and unapproachable during this event, they levied a charge just as if credit card funds HAD be used. 
We have emailed, called, responded to emails, had our case elevated, escalated several times, no one acknowledges understanding. Then we received a collection letter from ACI, LLC on behalf of XXXX for {$75.00} on XX/XX/XXXX
Consumer complaint received 2021-02-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CMG MORTGAGE, INC (NY)

I have been trying to get a modification from this company since XXXX. My father who is on the loan passed away in XXXX. After months of going back and forth with CMG they stated all they needed was my father death certificate which I sent to them back in XXXX. Then calling to check status a rep expressed that I would receive a letter that CMG is requiring a probate letter or will of my father. I expressed that they only required a death cert. This was now XX/XX/XXXX. I sent the will and updated paystubs and bank statements. Now I called last week on XX/XX/XXXX to make a payment and was told I couldn't because I was in the middle of a modification and that my file of the will was sent to adjuster. Now I call yesterday XX/XX/XXXX and was told that I have a point of contact, XXXX XXXX and that I would need to speak to her and then I was xferred but it went to voicemail. I left a voicemail and she did not call me back. I called CMG again today XX/XX/XXXX and spoke to another rep who states that my uniform borrower form is about to expire. I expressed to her all that I have been going through with CMG and she provided me the presidential complaint address for company. I told her what last rep told me about not being able to make a payment because I am in the middle of a modification but I am being recorded as late to the credit bureaus and she told me that she isn't sure why I was told that since I've been making payments during this process ( I am 2 months behind ) and that I could make a payment which I did. She also sent an email to Ms. XXXX to return my call. I have constantly received conflicting info from this company and there is no way i should still be going through this process that started back in XXXX of last year.
Consumer complaint received 2022-07-29
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. (FL)

It has been discovered that you are not DISPOSING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law. 
XXXX XXXX Balance : {$620.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$110.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$570.00}