davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. ()

Hello! 

I XXXX XXXX XXXX XXXX in XXXX, for which I took out several federal student loans. In XXXX, my loans entered their grace period, meaning that no payment is due, but that the loan continues to accrue interest. I applied to consolidate my loan so that I could enter an income driven repayment program, which would have lowered my interest payments to {$0.00}. I applied to have ALL of my loans consolidated into XXXX new loan, so that I could exit the grace period and enter the XXXX. 

In XXXX, I received a letter from my servicer, Aidvantage, stating that my application for consolidation had been approved. Naturally, I assumed that this was for all of my loans, since that was what I had applied for. A couple of weeks later when XXXX application was approved, though, I noticed that one of the loans was still in grace, not consolidated, and not on the income driven repayment plan. 

Presumably, this is due to a clerical error on the part of the servicer. I reached out to the servicer to ask what was going on. They told me that one of the loans had not been consolidated, without giving a reason why. I asked them how I could rectify the situation. They told me that I could apply to have the remaining loan consolidated. 

Because I have applied for a loan consolidation in the last 180 days, XXXX  rules mean that I can not apply for another consolidation online. As a result, I either have to wait 180 days or submit a paper form to the servicer. I live in the XXXX XXXX, and snail mail takes a while. The servicer always moves slowly, but I am sure that their ability to manage paper documentation is not especially speedy. 

In the meantime, the un-consolidated loan ( for close to {$25000.00} ) has continued and will continue to accrue interest ( at a more than 7 % interest rate ) if and until the servicer gets its act together and approves the application for consolidation I submitted months ago. 

When I spoke to a customer service agent at the servicer they told me there was nothing that could be done about this. No waiving of the interest accruing, or administrative forbearance in the meantime. 

To my mind, permitting this behavior encourages bad behavior among loan servicers at the expense of student borrowers. If I ultimately have to pay the accrued interest to the servicer, then the servicer will have made more money than they would have if they had processed my application correctly. This gives the servicer an incentive to create as many " clerical errors '' as possible, hope that borrowers do not notice, and then demand repayment for interest the borrower should have never accrued in the first place. 

I am lucky that I am a high-information borrower who knows how to make the relevant complaints. But I fear that for borrowers with less access to information and in more vulnerable positions, this kind of precedent allows for crooked behavior from student loan servicers.
Consumer complaint received 2018-10-25
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: EQUIFAX, INC. (FL)

I've sent multiple certified letters to remove Multiply inaccuracy on my credit report. It's getting quite frustrating and taking a toll on my emotional state of mind.

XXXX XXXX XXXX : Fraud!

This account was open and used in florida at the time I was living and working in XXXX, Georgia XXXX XXXX XXXX : Not mine!

This is not mine and it shows up twice on my credit report
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

My account was closed back in XXXX without me being made aware that there would be a hold placed for a while before the actual closing. I was told by a supervisor in the Michigan office as well as a customer service rep that I would be able to go to the branch and withdraw the remaining funds from my checking and savings. When I went to the XXXX branch the teller told me she saw a note on the account that I could withdraw my funds. She then proceeded to say " no let me call '' She called whoever she called and they told her I could not withdraw the funds and that I would need to wait for a dispute to be settled and that if I wanted to " save '' my account from closure I would need to submit the receipt from the purchase that I disputed because they needed confirmation that I paid for said purchase with my card. I asked her why and it shows on my statement that I paid with my card- fast forward I wait I've been calling Huntington ever week for almost two months now. They tell me there is a remaining balance is the checking and savings and I would receive a check for the remaining balance on both. It is now XX/XX/XXXX and I still have not gotten my funds. They let me withdraw {$160.00} that was left over after printing the checks. Which they could have just let me get everything to begin with and this wouldnt be an issue. First it was you owe the bank {$800.00} some odd dollars to oh well your check has been mailed. The check for {$82.00} was delivered but to the wrong address. AFTER I'VE GIVEN HUNTINGTON BANK MY CORRECT ADDRESS NUMEROUS TIMES. I was sent to an address I haven't lived at in 3 years. I was told that I would receive the other check from my savings on XX/XX/XXXX. Someone called me about a complaint I filed with the bank itself she said she listened to the numerous calls I've made and HEARD HUNTINGTON EMPLOYEES GIVING ME MISINFORMATION. Here it is XX/XX/XXXX and I am just now being told that my check will not be delivered today because it was JUST mailed on XX/XX/XXXX. I AM EXTREMELY upset being that all of this could've been prevented from the very beginning. if people just took the time to research and issue and get the correct information this wouldn't be an issue. I have been waiting nearly two months for MY MONEY. Everyone says I'm sorry but no one has a solution. I am transitioning into a new job ; I have a child and I have things that need to be paid for in the meantime of Huntington playing games with my money. Because now it's making me look bad giving these bill collectors the run around because Huntington decided to close the account. There is never anyone that can give me proper information or even a solution to an issue they themselves caused and I am fed up.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.
Consumer complaint received 2024-08-15
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. (FL)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-08-15
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. (PA)

Hi I recently reviewed my credit report and these unauthorized inquires were on it and this is affecting my ability my ability to buy an home.These are the ones that follow... 

XXXX XXXX Finance/Personal XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX Bank XX/XX/year> XXXX XXXX XXXX Finance/Personal XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX
Consumer complaint received 2024-08-15
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. (NV)

Re : Response to Fraud Block Request Decline file # XXXX Dear TransUnion, I am writing in response to your letter dated XX/XX/year>, in which you declined my request to block certain information related to identity theft from my credit report. I appreciate your thorough investigation, I do not believe an investigation was done, I also requested the above address be the only address on file due to being a victim I only need addresses that are associated with me. And XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not. Please remove as well. but I respectfully disagree with your decision and would like to address the concerns you raised. 

XXXX. History of Previous Payments : You mentioned that the fraud block request was declined because the account reflected a history of previous payments. I want to clarify that these payments were not made by me but by the individual who committed the identity theft. I have no connection to this account beyond it being fraudulently opened in my name. 

XXXX. History of Previous Disputes : If there is a history of previous disputes on the account, I would like to clarify that these disputes were initiated in my effort to rectify the identity theft. The fact that these disputes exist should further support my claim that this account was fraudulent from the start. 

XXXX. Account Opened Prior to Fraud Report : While the account may have been opened prior to the date I reported the fraud, it was only after I became aware of the fraudulent activity that I was able to report it. Identity theft is often discovered after the fact, and this should not be a reason to deny my request. 

XXXX. Additional Evidence : What additional docs do you need? This seems to be a system generated response rather than a human. What type of letter form data furnisher? What court docs if I am unaware of who committed the crime? 
XXXX. Request for Further Action : If TransUnion requires further documentation, please specify exactly what is needed so that I can provide it promptly. If police report is provided will this suffice or will you continue to harm my character and report by using automated responses? I would like to know the name of who is working on this file as I am in strong belief this is a robot response. My goal is to ensure that my credit report accurately reflects my credit history, free from fraudulent accounts that were opened without my consent. 

XXXX. Consumer Statement : Additionally, I am considering adding a consumer statement to my credit report but would like to resolve this issue first. Please confirm whether this can be done once the fraudulent account is blocked or if it needs to be done beforehand. 

I appreciate your continued attention to this matter and look forward to your prompt response. If you require any additional information or documentation, please do not hesitate to contact me. 

Thank you for your cooperation.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I reviewed my consumer report and noticed that I had XXXX late payment on an account that I was Never late for Consumer Reporting Agencies have assumed a vital role and have a responsability to report consumer information to the best of their ability with maximum Accuracy, I have Never been late on payments for the Account : XXXX XXXX XXXX account number : XXXX Please investigade and provide Proof with statements showing that these payments were late, If Proof can't be provided, I demand these payments be updated to on Time as they should be as I was NEVER Late, thanks
Consumer complaint received 2024-08-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Alorica Inc. (CA)

My original loan with XXXX was sold to this company and I never received and alert for payment to new company. SST The new company offered to defer the first payment and I was told I did not have to worry about the initial missed payment because I never received notice. they have now been reporting a missed payment incorrectly for 4 months to the credit bureaus. I have contacted the company multiple times and keep being told not to worry about it and they it will not show as late in my credit report but in fact it still continues to show as late. Spoke to them a few weeks ago and the issue has still not been resolved and they continue to report late payment when this was resolved with them.
Consumer complaint received 2024-08-15
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. (OH)

Hello below are the companies I've reached out to several times and still have not provided any validation of these accounts. They are both reporting from the same account number with two different names this is a serious violation according to the consumer laws Under 15 USC 1692G Delete these accounts immediately for failing to do your due diligence making sure everything is 100 % accurate on my report. 

XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-26
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. (CA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Consumer complaint received 2024-07-26
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. (DC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I looked at my report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to 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. This account, Bank of America # XXXX Is not my account. And one more thing aaccording to 15 USC 1681s-2 A person shall not furnishany information relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate. Check the attachments below.
Consumer complaint received 2024-07-26
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: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX Balanced {$1400.00} XXXX XXXXXXXX XXXX Balanced {$810.00} XXXX XXXX XXXX XXXX Balanced {$990.00} XXXX XXXXXXXX XXXX Balanced {$830.00} XXXX XXXX XXXX XXXX XXXX Balanced {$2000.00} XXXX XXXX Balanced {$1200.00} XXXX  XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$820.00} XXXX XXXX XXXX XXXX Balanced {$960.00} XXXX XXXXXXXX Balanced {$0.00} XXXXXXXX XXXX XXXX Balanced {$1200.00} XXXXXXXX XXXX XXXX Balanced {$630.00} XXXX XXXX XXXX Balanced {$890.00} XXXX  XXXX XXXX Balanced {$440.00} XXXX XXXX XXXX Balanced {$2400.00} XXXX  XXXX Balanced {$3200.00} XXXX  XXXX Balanced {$0.00} XXXX XXXX Balanced {$0.00} XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX Balanced {$870.00} XXXX XXXX Balanced {$350.00} XXXXXXXX XXXX  XXXX Balanced {$5700.00} XXXX XXXX XXXX XXXX Balanced {$1100.00} XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX  XXXX XXXX XXXX {$100.00} XXXX XXXXXXXX XXXX XXXX {$62.00} XXXX XXXX XXXXXXXX Balanced {$0.00} XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX XXXX XXXX Balanced {$3400.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to request the immediate removal of my previous address from my credit report. I have recently reviewed my credit report and discovered that an outdated addresses, are still listed under my personal information. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-07-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX ( XXXX ) I received notifications from XXXX of my banks that information on my credit report had changed. It appears that someone applied for XXXX or more credit cards using my information. 

As of today, XX/XX/XXXX, the following is true : XXXX shows a hard inquiry on XXXX from XXXX XXXX XXXX XXXX XXXX shows a hard inquiry on XXXX from BK OF AMER I've made the following calls today, XX/XX/XXXX : To XXXX- they confirmed that an application had been attempted and said they would resolve the matter on my behalf, including a letter to the credit reporting agencies stating that the XXXX inquiry was not made by me To Bank of America- they were unable to provide any information on the hard inquiry. We agreed that my best course of action was to call XXXX and dispute the inquiry To XXXX- I successfully filed a dispute of the hard inquiry from BK OF AMER and placed a fraud alert on my account. They recommended that I create a case with the FTC, which is what led me here to create this complaint.
Consumer complaint received 2024-07-25
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: HUNTINGTON NATIONAL BANK, THE (OH)

I AM ID THEFT AND MY BANK HUNTINGTON DID NOT NOTIFY ME OF ALL TH EINQUIRES AND KNOWLEDGE OFF MY PERSONAL INFO BEING USED OVER AND OVER. SET UP NEW ACCOUNT ONLYUY TO HAVE THAT ONE HACKED ONLINE. I ASKED TO TAKE ONLINE APP DOWN BUT DIDNT AND ALSIO DID NOT CHANGE EMAIL ADDRESS THAT WAS COMPRIMISED AND WAS LEFT ON ACCOUNT AND I RECIEVED DOCUMENTS ARBRITRATION BUT PART IOF LETTER PARAGRAPHS WERE EARSED AND NO EXPLAINION. I JUST WANT TO FEEL SECURE AND TO HAVE ANY AGENCY PLEASE HELP ME IN GETTING SAFELY BACK ONLINE AND TO STOP BEING Hacked and compromised as its getting to me and i want to feel protected as now i keep everything here and want all communication mailed like old way and its a shame and i want to know what is going on and help to fix the errors and to secure my account. I HAVE TO GO INSIDE THE BRANCH EVERYTIME AND I GET TREATED AS A PAIN IN THE XXXX AND I AM THE VICTIM AND MY TIME IS NOW ONLY SPENT DOING DAMAGE CONTROL AND MY BANK SHOULD OF ALERTED ME WHEN IT STARTED BACK IN 2022 ALL THE INQUIRES MADE TO THE SAME PLACE OR MANY TIMES OVER SHOULD OF BEEN NOTIFIED SO I COULD OF GOT TO IT SOONER. I HAVE NOTHING NOW AND STARTING OVER WITH A SON AND I HAVE HEALTH ISSUES AT THE MOMENT I NEED TO CARE FOR AS WELL. NO HELP OR ASSISTANCE OR KINDNESS FROM MY FINACIAKL INSTITUE WHEN I NEEDED THEM THE MOST.