davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (NJ)

I am writing to formally express my concerns regarding the misleading information provided to me by representatives of Navient concerning my student loans. Over 20 years ago, I was informed that enrolling in an Income-Driven Repayment ( IDR ) plan OR an interest occurring forbearance would lead to more favorable repayment terms, including loan forgiveness after a specified period. Based on this advice, I proceeded with both plans over the time span of 20 yrs under the assumption that I would receive significant benefits, including eventual loan forgiveness.

However, despite making payments for over two decades, I have come to realize that the bulk of my payments have been applied to interest, leaving my principal balance virtually untouched. This has left me in a position where, after more than 20 years of paying, I have made no significant progress in reducing my overall loan balance. The representatives who guided me toward this plan failed to fully disclose the long-term financial consequences, including the extended duration of interest payments and the lack of meaningful reduction in my principal debt. 

I feel that I was misled into a payment strategy that has prolonged my financial burden rather than alleviating it. I am requesting a thorough review of my loan history and reconsideration of the terms provided to ensure that the information I received is aligned with fair lending practices.
Consumer complaint received 2024-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (GA)

Aidvantage is servicing my loans. They show I owe over {$400000.00} XXXX for unsubsidized loans taken out in XXXX is my new repayment start date. 
Problem with that is that I began repayment of my student loans in XXXX after I graduated from XXXX  XXXX XXXX in XXXX of XXXX. 

This tanked any chance I had at loan forgiveness by the Biden Administration. Besides the fact that I never took out an unsubsidized loan for those amounts. 

I have asked Aidvantage for all documentation through their service portal last XXXX. In XXXX they apologized for the delay but still have not found the loan origination paperwork. 

I have not taken out any student loans anywhere since the fall semester of XXXX. 

Can you help me get to the bottom of this to correct the loan amounts, loan type, and repayment start date? 

Thank you. 
XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2024-10-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CO)

On XXXX/XXXX/2024, a {$200.00} charge from the XXXX XXXX in XXXX, Georgia occurred in my checking account. I live in Colorado and have not left the state in several months. On XX/XX/year>2024 I received the statement of this purchase and called XXXX to file a fraudulent charge claim. A few days ago they reversed the claim, and the XXXX agent told me there was not enough evidence, and since XXXX XXXX was used it made it harder to prove the charge was fraudulent. Further actions I could take, according to them, was to file a police report and contact the vendor to get any information about the purchase. I was also told that even if I obtain further documentation, there is still no guarantee they can reenact the claim. XXXX 's was not able to provide any further information, they told me to file a fraudulent charge claim with my bank- which I already did. I tried to file a police report but since the fraudulent purchase occurred in Georgia I was not able to submit it through my local police department. I am not sure what else I can do.
Consumer complaint received 2024-10-23
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. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX  XXXX XXXX Closed {$0.00} Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed {$0.00} Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed {$0.00} Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Closed {$0.00} Reported XX/XX/XXXX XXXX On time Closed {$0.00} Reported XX/XX/XXXX other XXXX XXXX XXXX XXXX XXXX {$6800.00} Reported XX/XX/XXXX XXXX XXXX Collection Closed {$2000.00} Reported XX/XX/XXXXXXXX XXXX Missed payment {$170.00} Reported XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX and XXXX of 2024 XXXX XXXX of 2024 i sent a letter i filed a dispute and made many phone calls to all three xompanys
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I, XXXX XXXX was added as a authorized user on the account and they are reporting to XXXX specifically and the other bureaus that I was the account holder. I was authorized on the account from XX/XX/XXXXXXXX  until XX/XX/XXXX. The derogatory information on the account was dated from XX/XX/XXXXXXXX  until XX/XX/XXXXXXXX  whereas I was never the holder of the account. 

This is preventing me from refinancing my property because it has decreased my score based on the wrong reporting user versus holder and the derogatory accounts whereas I was never even authorized for use. 

the case number they provided is # XXXX and they say that it will take 90 days to resolve and I am being charged {$5000.00} for an extension of my loan until its corrected. 

CapitalONe will only accept this in writing and will not correct this situation in a timely fashion. 

Can I bill them for the additioanl fees? 

post script : they stated that I must provide my social security number in writing or they will not be able to assist me. This goes against any type of privacy laws that are enacted. 

And they gave me two different addresses to resolve this matter. This is ridiculous and a complete waste of time and I have had no less than 3+ hours on the phone to resolve.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Today, I found unauthorized inquiries on my credit report with no explanation as to how they got there. I checked my credit report like usual, but this time there were strange discrepancies. After refreshing my browser to see if it was a glitch, nothing changedthe inquiries remained. Im beyond frustrated and want the documents Ive submitted to be reviewed immediately so I never have to deal with this again.
Consumer complaint received 2024-09-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX XXXX XXXX XXXX XXXX contacted XXXX XXXX XXXX about her inheritance after her grandmother, XXXX XXXX XXXX, died around XX/XX/year>. XXXX stated that he was the family lawyer, an agent of the US federal government and an agent of the IRS and that XXXX was a bank representative from Bank of America. XXXX explained that XXXX 's grandmother had a will and that she was giving XXXX XXXX houses and over XXXX XXXX dollars. But for XXXX to get access to the real estate property and money XXXX had to pay the IRS back tax money that was owed. XXXX contacted XXXX XXXX and myself about this and asked if we could pay the taxes because she didnt have any money to do this. We sent over $ XXXX as a team to XXXX XXXX, an employee at Bank of America. This was too fulfill this obligation to get access to the estate. XXXX then asked for more and more money and said the IRS was adding late fees and interest every 10 days. He also stated that he worked for XXXX XXXX, but the routing/account numbers didnt match their records. This alerted me and I have done research to find out what was happening XXXX and Bank of America failed to protect me as a consumer. The wire was sent to a Bank of America site and I was told they were an employee. Why would XXXX allow me to wire money to a address that was a Bank of America address. Why would Bank of America allow a person to use their address for an account?
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (MI)

I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2024 I received a notification that I could not withdraw funds from my Capital One checking account. On XX/XX/2024, I called and spoke to someone in the fraud department. I fully verified all of my information, I was placed on several XXXX minute holds and was questioned about my personal email address which Ive had for better than a decade. After some time the rep returned and advised me that my account was closed due to someone potentially being able to access my account fraudulently. I expressed my disdain and asked to speak with a supervisor. The supervisor advised me that it was an internal decision to end the banking relationship. I asked to go into a branch to receive funds rather than getting a check in the mail. After arriving at a branch I was advised that after speaking to someone in the fraud department, my funds could not be released until the completion of an investigation. The branch rep also stated that there were notes on my account saying that I was advised of this over the phone. That was incorrect information. I am still not able to receive my money from Capital One and in need of assistance with mediating this process
Consumer complaint received 2024-10-21
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 disagree with the reporting of the account listed below, which persists on my credit report despite your previous investigation. I request an immediate re-investigation of this item as its inaccuracies severely impact my credit score. Per the FCRA ( Public Law 91-506 ), Title VI, Section 611, Subsection 1-D, please provide me with the names and business addresses of each individual whom you verified and validated the above information with, so that I may follow up accordingly. Additionally, please send me an updated copy of my credit report after completing your investigation. 

Account name : XXXX Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account Name ; XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: OneMain Finance Corporation (GA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX, XXXX  : XXXX has violated my rights. 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 
And according to the fair credit reporting act 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 according to 15-USC 1681 ( e ) ( b ) ggs are and according to 15 USC 1681 , 5 they are suppose to do this ( 5 ) Treatment of able inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and.pril ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer report procedures to assure maximum possible and according to 15 USC 1681s-2 they are suppose to 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 accounts is inaccurate. My information was released in data breach.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

RE : XXXX  Block Request To Whom It XXXX Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
AXXXX 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 XXXXXX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to Section XXXX of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I reviewed my credit file and discovered incorrect and inconsistent reporting for the XXXX XXXX account XXXX. The reported late payments for several months do not align across the three bureaus ( XXXX, XXXX, and Equifax ). For example : In XX/XX/XXXX, XXXX shows 30 days late, but XXXX and Equifax both report the account as OK. In XX/XX/XXXX, XXXX and Equifax show 90 days late, but XXXX reports 120 days late. This inconsistent reporting suggests data errors and does not reflect the account 's actual payment status. The current status reflects 120 days past due as of XX/XX/XXXX. However, my account payments were not accurately recorded, and the account should not be reported as severely delinquent. These discrepancies are harmful to my creditworthiness and must be addressed. I have attached a copy of my credit report, along with the specific payment history discrepancies highlighted for your review. Please investigate this matter and provide me with a corrected report or written confirmation of your findings.
Consumer complaint received 2024-09-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC (CA)

A sales man named XXXX XXXX XXXX, knocked on our offering home construction services. After speaking with him for a few days, he showed us a layout sketch of a unit we were interested in building in our backyard. XXXX had us then sign electronic documents to see if we could qualify for a loan. He did not specify or ever mention about applying for a loan. Then after a couple weeks, we started noticing charges of {$200.00} from my checkings account. I had to contact the bank as I was unsure what was going on. A few weeks later, we received a loan delinquency letter from GoodLeap. The loan statement showed a loan of {$16000.00}, with 13.49 % interest. We contacted the salesman XXXX, and he stated he did not know what was going on but that if we paid {$400.00} from the loan, they would forgive the remaining {$600.00}.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (DC)

I am XXXX and recently XXXX XXXX XXXX with Chase Bank Inc following their standard process. The credit card and statements show correct, however all card services menus online still have my XXXX XXXX and Ive had representatives use my XXXX with me on the phone multiple times after I asked them to stop. 

I have called 16 times and submitted 5-6 different tickets in writing at their request. I have requested they escalate and they continue to give me the run around. They are requesting I call again and dont seem to have any accountability to get this fixed. 

I have been disconnected multiple times after disclosing that the reason for the name changes is I am XXXX  This has not happened the phone calls I did not disclose the reason for the name change.