davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-18
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: CCS Financial Services, Inc. (OH)

The following appears on my XXXX report stating the balances are due for XXXX  : XXXX XXXX XXXX, XXXX {$90.00} Open Date XX/XX/XXXX XXXX XXXX XXXX, XXXX {$170.00} Open Date XX/XX/XXXX My insurance policy was cancelled at the end of XXXX, and I was not covered under XXXX  - nor did I owe any money for time in-force The policy stated : if you do not pay the renewal premium on or before end of the insurance period, then the policy will be canceled. 

Consumers can not be charged for a terminated/canceled policy. Furthermore, I was covered by another insurance provider for/during the period they are trying to collect on.
Consumer complaint received 2019-04-18
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: PORTFOLIO RECOVERY ASSOCIATES INC ()

Hello PLEASE READ the items before responding. I am not looking for a rehash of the debt allegedly owed. Please respond to each item. 

1. The XXXX 's agreement states that I have a right to arbitration with the company XXXX. Do you agree that I have the absolute right to arbitration? 

2. I have properly notified you that I chose arbitration with the company XXXX through your attorney XXXX, XXXX XXXX XXXX XXXX. I have a signed card that the attorney has received this demand. 

I have attached the demand form. 

Please note I also sent the notices to Portfolio and XXXX. 

I filed and paid the {$150.00} filing fee. However XXXX returned the money as you didn't pay your required fees. 

You are legally bound to the contract. I demanded arbitration. You continue to report to the credit reporting agency. 

This is breach of contract, violations of fdcp, fcra and Massachusetts 93a laws. 

Since you did not arbitrate as required, I demand that you delete all items from the three major credit bureaus.
Consumer complaint received 2022-11-17
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. (CA)

I'm contacting you regarding an account that does not belong to me, but it shows on my credit report I have tried to dispute them with credit bureau which in result they didn't remove the account and inaccurate account still show on my credit.
Consumer complaint received 2019-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

XXXX XXXX misinformed me and by using what I consider a dishonest scheme, my payments over 9 years have not paid down my principal amount. My total payments to date have all been applied to interest. During that time I've made consistent payments by automatic withdrawals. It appears that without my consent, I was placed under a repayment plan that wasn't paying down the principal amount. 
I reached out to understand what was going on with my payments and I got no solution.
Consumer complaint received 2019-04-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (NC)

My loan was sold to another company. Purchasing company didnt submit my insurance coverage and my insurance was cancelled. My rights were violated because they placed the burden of re-establishing insurance on me. I had insurance before this transaction and was paying the premiums. I feel targeted because I am 100 percent XXXX senior veteran. My financial responsibilities were intact before this interruption.
Consumer complaint received 2019-04-18
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (AP)

On or about XX/XX/2018 I initiated contact with Freedom Mortgage to start a deed-in-lieu on my home in upstate NY after dealing with over 20 different property managers who stole from me and abuse their licenses to include repeated bad tenants. The last tenant pushed me over the edge of pursuing a deed-in-lieu. After months of submitting paperwork over and over finally I found a realtor that was able to get a potential buyer. This DIL process was changed to a Short Sale that has take up a lot of time due to misplaced paperwork and the bank attempting to rush me into a foreclosure that would ruin my military career. Needless to say I am still in the process of a short sale with Freedom Mortgage underwriting department while the regular customer service department is totally disconnected from what has been occurring with my account ( XXXX ). For the last eleven months my account has been in a default status due to the pending DIL or short sale. The bank told me several times that my account status would not be reported as delinquent to the credit bureaus since I am protected under XXXX until recently they they were made aware of the short sale. It is my assumption that Freedom Mortgage is trying to negatively impact my credit score and status twice since the short sale will decrease my credit score on top of the previously reported delinquent status reported for XXXX through XXXX with the month of XXXX reversed. I have called over 100 times and was told something different each time. From we are reversing the process to we cant reverse the process.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance {$270.00} XXXX XXXX XXXX XXXX  Balance : {$200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX
Consumer complaint received 2019-04-18
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: SYNCHRONY FINANCIAL (MA)

Dear CFPB, Back in XX/XX/2018 I made an order online and the merchant is oversea however I had not known the real name of the seller until I received the confirmation of the order in 30 minutes after I placed the order I absolutely regretted about my order with the merchant because I was disappointed about other order that I made before XX/XX/2018. After I received the confirmation and I knew the real name of merchant I contacted the Paypal credit about the problem I got with the merchant because I wanted to make Paypal credit know that if I got wrong item I would return them with merchant return/shipping cost. Later I received another confirmation from merchant once items shipped with items details and there were wrong size items this was my second time got trouble with the merchant. 
Why I mean the merchant real name above because my second order with XXXX   they are holding fake name ; they are same as one with my first order. Then I received package a month later and I returned it back however I did not open package because I knew they were not ones I want. I made dispute with Paypal credit but they keep asking for my responsibility to this purchase. I do not think it is right. I am seeking for your help and I look forward to receiving your response. Thank you. XXXX XXXX
Consumer complaint received 2019-04-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Atlas Credit Company, Inc. (TX)

I have been with Atlas credit company over 3 years. I always made my payments on time and never fell behind. Now I am facing a hardship situation due to the decline in pay on my job which makes my finances and overall bills hard to pay. I told them that I was trying to consolidate all my bills so that I can do something regarding the balance on the account but XXXX XXXX stated that they didn't take consolidation payments and needed full payment. They have sent people to my house with business cards and have constantly called my job for payment. He stated that he would take me to court and that they would send the police to my job if I didn't pay. XXXX and another customer service rep has said that I would be served on my job and sent a petition letter to my house but no court date was on the letter. XXXX has called a numerous times on his personal phone call as well requesting payment.
Consumer complaint received 2019-04-18
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. (TX)

On XX/XX/2019, I submitted a dispute with Experian for an account that is too old to remain on my credit report -- XXXX XXXX XXXX XXXX that starts with XXXX. The account had already been removed from my other two credit reports due to age. On XX/XX/XXXX, I received an update to the investigation. Experian made no changes and refreshed the date on the account to XX/XX/2019, thereby making the account brand new again.
Consumer complaint received 2019-02-07
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)

Please see attached fraudulent inquires that I am disputing on my credit report. I have received several notices regarding security breaches that I believe are responsible for this activity on my credit report. I am requesting for all three credit bureaus to remove this inaccurate information from my credit report.
Consumer complaint received 2019-04-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (MA)

BORROWER RECEIVED ESCROW ANALYSIS WHICH GAVE BORROWER 2 OPTIONS /BORROWER CHOSE OPTION BE AND SENT IN ELECTRONIC PAYMENT THAT WAS RECEIVED BY PENNY MAC OF XXXX BELOW IS THE ACTUAL POSTING FROM PENNY MAC WEBSITE XX/XX/2019 Payment {$620.00} {$0.00} {$0.00} {$1600.00} {$240000.00} THE BORROWER BY CHOOSING OPTION B WAS INFORMED THAT THE XXXX PAYMENT WOULD INCREASE TO XXXX EST WE NOTIFIED PENNY MAC THAT PAYMENT WOULD BE FORTHCOMING AND EVEN RECEIVED AND EMAIL BACK CONFIRMING PAYMENT RECEIVED.NOW PENNYMAC WANTS TO INCREASE THE PAYMENT IN VIOLATION TO XXXX!!!! THIS IS NOT CORRECT AND DEMAND IS MADE .NOT ONLY DID PENNYMAC TAKE THE ESCROW SHORTGAGE MONEY THEY ARE TRYING TO INCREASE PAYMENT TO XXXX WHICH IS ONLINE WITH OPTION A WHICH BORROWER CLEARLY DID NOT TAKE. PAYMENT SHOULD BE XXXX!! 

also the second complaint is that we prefer a paperstatement now their institing a fee if you male apyment between the XXXX and XXXX of every month if you pay online if ypour not enrolled in paperless billing.we were told by XXXX XXXX XXXX the loan originator that there will never be a fee for papestatement sand or any type of fee or penalty there of. borrowers dont have ready access to a computer, to add insult to injury penny mac has rhe gaul to do this and increase are payment unlawfully.the knickel and diming of americas middle/working class continues
Consumer complaint received 2019-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (KY)

XXXX XXXX took over my loans in XXXX, and I have completed all required forms for the XXXX XXXX loan forgiveness program, as well as paid under the income based repayment plan. Im XXXX of XXXX I requested that my account accurately reflect all payments made towards the XXXX payments, which would include all payments made from prior lenders as well. There are XXXX payments under review, despite having been made under the above stated terms with other lenders, prior to being absorbed by XXXX XXXX. My forgiveness date is therefore 18 months behind, and while that may not seem like to many, thats a lot of money I paid on a XXXX XXXX  salary without acknowledgment. Id like my account to be up to date. I have kept my promise to make payments on time and under the proper plan that allows for loan forgiveness so I ask they do the same. The payments made prior to XXXX XXXX taking over counted and should have translated at the time the Loans were bought by their company. They will not give me copies of my email requests or copies of the payments under review.
Consumer complaint received 2019-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Performance SLC (HI)

XX/XX/2017 i have a student loan and was looking to apply for student loan forgiveness and XXXX XXXX and/or Performance SLC offer to help me and and charge for a service fee. They told me if i pay the fee then my student loan will be wiped away. i felt for it because who wouldnt want to be free from student loan. my bills from XXXX went to XXXX , i was excited and assume that my loan i gone. but after 2yrs XXXX contact me to recertify. but then i still have my loan left knowing it only went to forebearance. and now im paying the {$2500.00} charge fee and i have to be back paying my syudent loan at the same time where i could have use the charge fee to help pay my loan. i want to cancel the service but ive been searching online hoping there's help from students like me that fell for this scam. atleast they could refund the charge fee or atleast stop taking money from my account. please help i couldnt afford anything paying all this useless service when i could have done it myself for free. this company are misleading student like me so desperate to be forgiven from student loan.
Consumer complaint received 2019-04-18
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. (TX)

State of South Dakota is reporting I have a collection for XXXX XXXX I have disputed this account multiple times. Still remains. I dont have XXXX in South Dakota. I never been to court for XXXX XXXX   in South Dakota. I dont have any XXXX XXXX  orders.
Consumer complaint received 2023-07-06
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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-14
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: Experian Information Solutions Inc. (CA)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me XXXX XXXX  XXXX Date opened XX/XX/ Balance : {$0.00}
Consumer complaint received 2019-04-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

I have received 3 different medical debts or XXXX debts that I have no knowledge of. These debts are from time and areas I can prove I was not in at the time of debt. I lived in XXXX Texas in XXXX, XXXX Oklahoma XXXX & XXXX, and XXXX XXXX Louisiana in XXXX till now. These are fraudulent debts in my name and I can most certainly prove in court of law my whereabouts and can you encourage the owner of these debts to allow me to prove these facts. Every debt I have knowledge of I have either paid or worked out in settlements and if I had knowledge of these I would do the same. These are not my debts, these are fraudulent debts in my name and if not removed I want to go to court as soon as possible which is the only fair option. Let me prove this is not me nor my debts.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I believe thats these companies are stealing my personal information and running my credit abusing my credit report by allowed others to lets random peoples to using others peoples information thats dont belong to them I am affected by this disaster I ask u to removed and disputed all this negative things off my report immediately theses inquiries and accounts they are not mines I have not give none of these accounts ppls my information they have no live camera videos of me or documents signed by me in the build so yes my information have been stolen I ask for you wipe these things off my report 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
Consumer complaint received 2018-09-14
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: SYNCHRONY FINANCIAL (FL)

HELLO, MY NAME IS XXXX XXXX. I AM A XXXX YEAR OLD SINGLE MOTHER OF XXXX. DURING THE YEARS OF XX/XX/XXXX ; I AM/WAS HOMELESS WITH MY XXXX KIDS AFTER THEIR FATHER WALKED OUT. DURING THESE TIMES I HAVE BEEN IN AND OUT OF XXXX SHELTERS. BACK IN XXXX OF XXXX ; MY PURSE, SOCIAL SECURITY CARDS, AND OTHER PERSONAL INFORMATION WAS STOLEN. THE WOMAN THAT I SUSPECT IS XXXX XXXX ; BUT, THAT IS ALL THE INFORMATION THAT I HAVE ON HER. I HAVE TRIED MANY TIMES TO GET THESE INQUIRES REMOVED AS I DID NOT AUTHORIZED THEM, AND I AM NOT SEEKING CREDIT. I HAVE CONTACTED XXXX  AND THIS COMPANY PERSONALLY, AND THE COMPANY STATES THEY CAN NOT FIND ME IN THEIR SYSTEM, I SENT OVER SCREEN SHOTS ON THE INQUIRY AND THEY REFUSE TO DELETE STATING I DON'T HAVE AN ACCOUNT WITH THEM. I CONTACTED XXXX   AND THEY SAY I NEED PROVE THAT THE ACCOUNT IS NOT MINE AND A STATEMENT FROM THIS COMPANY ; WHICH IS NOT POSSIBLE DUE TO THE COMPANY HAVING NO RECORD OF ME. I EXPLAINED THIS ISSUE TO XXXX AND XXXX AND THEY BOTH DELETED THE INQUIRY, BUT XXXX  IS REFUSING. MAY YOU PLEASE HAVE THEM DELETE THIS INQUIRY AS IT IS NOT AUTHORIZED BY ME. I AM XXXX  AT THIS MOMENT, AND A NOT SEARCHING FOR ANY NEW CREDIT OR LOANS. I HAVE NO KNOWLEDGE OF WHAT OR WHO " XXXX ''. THE ONLY ACCOUNT THEY CLAIM TO HAVE THAT MATCHES MY SOCIAL SECURITY NUMBER IS FROM XX/XX/XXXX. 

THANK YOU,
Consumer complaint received 2019-04-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequoia Financial Services (TX)

Sent validation requests by fax on XX/XX/XXXX, no response for validation or HIPPA request. 
Sent another validation request on XX/XX/XXXX, second request sent by fax notifying them they failed to validate debt under 15 USC 1692 ( g ) Section ( b ) Failing to send HIPPA and being complainant to collect debt and share my personal information as a debt collector.

Sent a follow up with POA and another validation request since the last two validation request were ignored, XX/XX/XXXX.

Fax cover sheets for confirmation are available upon request.