davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-27
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Conduent Incorporated (MS)

On WednesdayXX/XX/XXXX I was finally able to get a representative on the phone about my Mississippi Stimulus EPPI card. This complaint is a continuation of the previous MS EPPI card situation I submitted previously. The card was eventually cancelled and they sent me a new EPPI card out after speaking with them on XXXX XXXX. I called today to report the second card was never received. The representative said she would cancel the second card, since I never received it. The initial previous problem has been corrected. My correct DOB have now been entered into the system. Once I receive the 3rd card, I should have a problem with activating and access my card.

I explained the horror I have experienced with the MS EPPI card, and she said that she would express the new card to me and I should receive it in two days. A fee of {$16.00} was charged to my EPPI card that I have never received. 
On Friday XX/XX/2020, I received the new Mississippi Stimulus EPPI card. I was now thankful I received the new card and I was able to activate it with no problems.

After activating the card, the recording stated that my new Mississippi Stimulus EPPI card was overdrawn - {$16.00}. I couldn't believe this, I was overdrawn {$16.00}. I called the system to try to contact someone to assist me, to no avail. I then listened to the recording and I still was - {$16.00} plus a XXXX cents. Apparently every inquiry I made with the card, it would charge me XXXX cents per call. I now have a total of {$3.00} in inquiry fees + the {$16.00} charge to expedite the card with NO funds attached. I called the number on the card to speak to someone in the call center on Saturday XX/XX/2020. The representative was in a call center in Texas. They were clueless as to why stimulus funds was on a government issued card. The representative asked his supervisor to help me since they were baffled by this incident. They were unable to assist me. They supervisor provided me another number, which was to a call center in Wisconsin, and the representative was very rude, uncaring and unhelpful. I hung up and I'm now back to CFPB to assist me in getting funds on this card. This has been the worst experience, and the number on the card really does not assist someone with a unique situation. The system is set up to assist users with frequently asked questions, any questions unrelated to the ones set up in the system, then you are out of luck. Please help me to see how funds can be placed on my card. I am not responsible for the continuous problems with the card and its so unfair that I have to pay for them. Please help me to resolve this issue.
Consumer complaint received 2018-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NE)

Freedom mortgage is claiming there is a shortage in the amount needed for my escrow and claim that it is due to a random " estimation '' with no proof to back it up. They are forcing me to pay an extra {$300.00} immediately, plus {$5.00} increase in my escrow per month. 

Looking up reviews on the company, Freedom Mortgage frequently does this scam and frequently claims the escrow account is " empty '' even after paying into the escrow and the company has not paid anything out of it.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sincerely implore you to take immediate and decisive action to remove the unauthorized inquiry from my credit report without any further delay. I kindly request that you thoroughly investigate this matter, acknowledge the error, and promptly rectify it by eliminating the unauthorized inquiry from my credit report.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

on XXXX XXXX XXXX  reported a account to Experian that is not mine this is the second time this happened the first time it happened I was able to get Experian to delete it. 
plese help me with this
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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
Consumer complaint received 2023-11-24
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.
Consumer complaint received 2023-11-24
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: EQUIFAX, INC. (FL)

Hello, I am a Victim of Identity Theft. I discovered in XXXX that numerous accounts have been opened under my name that I didn't authorize and immediately began to try to correct it. I told Equifax about all the accounts that were a result of Identity Theft and showed numerous reports and evidence proving that I DIDNT OPEN THE ACCOUNT. On XX/XX/, I came to an agreement with the creditor and had to PAY to close out the account even though it was a result of Identity Theft. When speaking to the creditor, XXXX XXXX, they told me how Equifax didn't thoroughly investigate per the FCRA laws. The representative also commented how there are numerous inconsistencies to how Equifax is reporting the fraudulent account. Due to Equifax 's incapability of doing their job, I was forced out of my apartment due to an eviction. Had Equifax blocked the account like I asked them to MONTHS ago, I wouldn't be facing homelessness right now. I was denied lines of credit because of this ONE account. I am seeking civil litigation against Equifax and I demand compensation for their carelessness. They took full advantage of the situation and did not properly investigate.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I noticed two companies on my credit report I never authorized. I sent Equifax a letter asking them how these companies were put on my credit report. They said they needed to do an investigation, it has been beyond 45 Days. By Fair Credit Reporting Act this is illegal to put false items on someone's credit. I have never done any business with this company, I ask that it be removed. 

XXXX XXXX
Consumer complaint received 2024-02-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: GOLDMAN SACHS BANK USA (AL)

Greensky Financial ( A Goldman Sachs Company ), took out my payment twice without my permission. Now they are saying it will take 30 days to get a response and then however long to return the money. They STOLE my money from my banking account without my approval or consent. I pay more than is required each month to pay the loan off faster. They duplicated the payment which now has me short. I am on a fixed income and this affects my dental work on the XXXX of this month which is medically necessary. A company like this should not get away with telling someone 30 days minimum for a refund. Total scam company and what an embarrassment to Goldman Sachs
Consumer complaint received 2018-07-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MI)

Was contacted in XX/XX/XXXX by XXXX  XXXX XXXX to take over my student loans from XXXX for a lower interest and loan forgiveness program. Made 4 payments of {$150.00} starting XX/XX/XXXX to XX/XX/XXXX. Total of {$600.00}. Was told the fee was for them to take over student loans and be my new borrower. Got several emails from navient asking about payments because they never officially took over the loans. Tried contacting them several times with no response. Started receiving paperwork from another company called XXXX  XXXX XXXX. Contacted them and they said XXXX  XXXX XXXX handed my student loans over to them in XX/XX/XXXX. XXXX  XXXX services advised me to file a dispute at my financial institution to try and get my {$600.00} back because I should not have been charged to begin with and advised me to contact the trade commission and turn in XXXX XXXX XXXX.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

There is an unauthorized account from XXXX XXXX XXXX and XXXX XXXX XXXX Ive never had service with either of these companies and on XX/XX/2023 they reported a collection account in my credit report. This account does not belong to me and is unauthorized. There are also unauthorized inquiries from XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I, XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :
Consumer complaint received 2023-11-24
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: EQUIFAX, INC. (GA)

This is in Reference to the following : 1. XXXX XXXX : XXXX in XXXX 2 . Confirmation Number : XXXX 3. Case Number : XXXX Although my previous filed complaints with XXXX and XXXX were still OPEN, since they have already sent me a correspondence about the results of their reinvestigation, I need to make a secondary complaints today because I am very dissatisfied with the result of their investigation with the said Creditor, Their information don't jive with each other. It seems that they fail to communicate with one another resulting in various interpretations on this one single item that they have furnished on my credit file. 

I find it really unfair on my end because this is ruining my name and character as a consumer. My credit profile reflects my creditworthiness as a person and improper delivering of information may result in giving other creditors some negative perception by judging my credit capability.
Consumer complaint received 2020-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OH)

In XX/XX/XXXX my mortgage company sent me a loan installment statement with a payment amount equal to two monthly payments ( double payment amount ). I called to inform them that I have never missed a payment and the Statement was incorrect. The customer service representative said they must not have processed my XXXX payment and that I would receive a corrected, up to date statement in XXXX. I received my XXXX statement and it still showed that I was behind on a payment ( statement showed that 2 payments were due ). I called the Mortgage company again and a different Customer service Rep. said she looked into it and their system showed that I was behind on a payment that I missed in XX/XX/XXXX. After pleading with her to thoroughly recheck her information because I have never missed a Mortgage payment in my life she refused then transferred me to the Escalation services department. The representative in that department said her system showed that I had missed a payment one year ago also. After I ended the conversation I immediately went to my computer to check my bank records, finding a copy of the check they cashed in XX/XX/XXXX. The check also had my account number written on the front. I called them right back to inform them of my information and that representative found the payment in her system but I was told they will send the matter to their Audit and Research dept. to investigate. She said they would send me notice in the mail of the outcome within 7 days. They never sent any thing in the mail, so I called them to get updates, about 3 weeks later and several phone calls they said they found my XX/XX/XXXX payment. It was not cleared up until XXXX. The next month in XXXX when I received my mortgage installment and additional {$270.00} was added to my monthly payment, again I called the Mortgage Provider and the Customer Service Rep.said it was a mistake on my account and a corrected statement would be sent to me within 5 days. I never received the corrected statement so I paid the correct amount, hoping that they would correct the mistake. It is now XXXX and I received another statement that is {$270.00} more than my payment should be. I called the Mortgage Servicer again asking for a correction also an explanation of why this is happening. I was transferred to the Escalation Services Dept. and given no answer but was told my account would be sent to Auditing and Research to investigate. I have been going through Installment Payment problems with this institution since XXXX it is now XXXX, I don't know how this affects my paying off my mortgage. Am I being penalized in anyway because of this?
Consumer complaint received 2023-11-24
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: EQUIFAX, INC. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

When I reviewed my credit report, I discovered that one of the information was erroneous. The 3 credit bureaus must validate this particular account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account needs to be investigated and corrected for erroneous reporting in the file listed on my credit report XXXX XXXX Balance : {$110.00}
Consumer complaint received 2023-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have disputed with this creditor in XXXX I request banks transactions is proof that I was late the creditor never sent the proof it took 30 over days to perform investigation theyre age my account they didnt verify the date last active they failed to do an update the creditor has illegally reagon my data late active from XX/XX/XXXX XX/XX/XXXX Equifax is missing date active and is unverifiable equifax failed to do update my account my account and so a proper investigation the creditor last reported to my account XXXX even though my last dispute XX/XX/XXXX today date is XX/XX/XXXX I have not received update or re investigation from this creditor just remark on my account
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am writing to file an official complaint with the Consumer Financial Protection Bureau regarding instances of potential identity theft and violations of my rights under the Fair Credit Reporting Act by certain financial institutions and collection agencies. 

In reviewing my most recent consumer report from XXXX, Equifax, and XXXX I discovered several medical collection accounts that I did not open or authorize : - Account # XXXX, listed as a medical collection for {$2500.00} with MEDICAL and currently in collections with XXXX XXXX XXXX 

- Account # XXXX, listed as a medical collection for {$1800.00} with MEDICAL and currently in collections with XXXX XXXX XXXX 

- Account # XXXX  listed as a medical collection for {$830.00} with MEDICAL and currently in collections with AXXXX XXXX XXXX 



It appears my personal identifying information has been compromised and used without my consent to open these fraudulent accounts. Pursuant to 15 U.S.C. 1681c2 and 1692g, I am requesting these inaccurate accounts be blocked and removed from my consumer reports promptly after receipt of this notice.

I am also invoking my right to dispute these debts under 15 U.S.C. 1681s-2. Opening accounts and debt collections based on identity theft do not constitute a permissible purpose under 15 U.S.C. 1681b.

Please conduct a full investigation and provide debt validation as required by 15 U.S.C. 1692g. I will pursue all legal remedies if validation is not provided and the fraudulent accounts are not promptly deleted. 

Please contact me at XXXX to discuss your findings and planned actions. I appreciate your prompt attention to this serious matter involving potential statutory violations and identity theft. 

Regards,