davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-09
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. (CT)

XXXX gave me the message that my information may have been compromised in their most recent -- of multiple -- hacks. I went to get my 3 credit reports from the government website. The first would not give me it. The second -- Transunion -- has two CONSUMER REQUESTED inquiries from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX that I did not make. This concerns me and their tool for reporting an issue does n't have a section to report this type of issue. I believe anyone whose information was hacked in this should be given identity protection for far longer than 1 year as if you were a criminal with this information, you could simply wait 1 year and then do what you want with the information. This also means that verifying my identity with my financial institutions is a joke now because the information they use for that may have been leaked in this blatant disregard for data security. Why was this not salted and hashed? Why is it not mandatory that companies with this information do that? It 's not even a case where I or other consumers did something unintelligent. Instead, we have no control over the information XXXX has.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OR)

A few years ago my private student loans came due with Navient/XXXX. At that time XXXX with the company had a total payment amount of XXXX a month and XXXX I was barely making the XXXX to afford my rent and utilities while having to utilize food stamps to actually eat. When I called to ask about the possibility of getting on an income based payment plan and consolidating the loans to a suitable payment system and I was told that I should apply for government assistance on housing so my rent money could cover the loans. When I told them that I could not do that I was told that I was out of luck because my particular loans do not allow for Income Based Repayment. They have since increased the balance on my loans to close to twice of what they were and sent them to a subsidiary collection company that they own. And even after filling bankruptcy I still can not a health payment plan that does n't take every penny I earn thus making me homeless because I ca n't pay rent.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (LA)

Started off with a federal loan through Sallie Mae Services with out my consent my loan information went to XXXX. Where they charged me several late fees, after my loans where in deferment for financial hardships. Which XXXX appears on my credit as late for non payment which is affecting my credit wordiness.
Consumer complaint received 2016-10-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (UT)

XXXX has reported negative information to my files at XXXX, XXXX, and Equifax. The information involves a collection action by XXXX XXXX XXXX that involves a delinquent account owned by someone else and has nothing to do with me. XXXX and their collections agent has mistakenly associated the delinquent account with my credit identity.
Consumer complaint received 2017-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, American Express, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Subject : American Express XXXX cash Everyday Account Ending in XXXX - XXXX XXXX XXXX - Customer Service Experience Credit Limit Reallocation I requested to XXXX {$1000.00} Credit Line reallocation from XXXX XXXX Credit card account Ending in XXXX to American Express XXXX cash Everyday Account Ending in XXXX. My request denied due to Recently reduced credit line XXXX Cash Everyday Account Ending in XXXX ( Letter Attached dated on XXXX XXXX ) But my credit Line was restored based on payments. XXXX XXXX attached dated on XXXX XXXX XXXX Customer Service Experience I called XXXX XXXX XXXX PCT XXXX answered name called XXXX XXXX Balance Transfer Department ) treated me so unprofessional. Please review my call and verify how about customer service. I am customer since XXXX and he never treated me as a valued customer. I asked him to transfer my called to supervisor and his answer was we dont have a supervisor and he can not transfer to supervisor and dial XXXX. I dialed that number and requested transfer to supervisor .XXXX.XXXX ( Balance XXXX Department XXXX answered my call and he also not help me out my concern and he asked me to call Customer XXXX XXXX Department XXXX and request the REMOVE REDUCTION TAG on my account. XXXX XXXX also treated me very mean high tone. I dialed that number and I told what happened and they transferred me customer service department again. I have to explain each time when I dial your customer service department. I spend more than XXXX hour to talk some XXXX help me out for my reallocation request and no ones help me out. 
Why I have to called Customer responsible landing department to request remove Reduction tag on my account? 
Today I am so very disappointed way your bank treated me. Please make sure it wont happens future customer. 
If you want more information call me XXXX Thank you. 
XXXX XXXX
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Equifax was hacked and divulged all of my personally identifying information ( name, address, SSN, DoB, etc ... ) to a third party due to lax security practices and not keeping their software up to date ( it was reportedly a flaw in XXXX that had already been patched - XXXX XXXX XXXXXXXX ). The credit reporting bureaus MUST be a secure and steward of this information as they 're a clearinghouse for EVERYONE 'S PII.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Equifax disregarded established and respected security principles in their handling and storage of my sensitive, personal data, and in doing so created a potential for risk which was not authorized by myself as a consumer in any fashion. As a result, the private, identifying information of myself and millions of other Americans has been made available without my consent, and may potentially have long-standing financial repercussions.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

XX/XX/2017 After the hack of Equifax, over a 100 million Americans social security numbers were hacked because this company has no proper authority to keep our social sec. numbers in their databases. This is wrong and one of the problems with companies like this not having good security protocols.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

This pertains to the Equifax security breach where my personal information were compromised. While I understand that Equifax is as much a victim in this as I am, I had placed my trust in them to protect my identity. While I do not fully understand the technical details of the systems they used, and the maintenance they performed on them, I do believe that for a company that handles such delicate information, their systems should have been more secure.
Consumer complaint received 2017-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX   XXXX  had inputted an inquiry on my credit report without my authorization.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OR)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk which seemed to initially happen back in late XXXX of 2017. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media that my data was likely stolen
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

My and my wife 's information was involved in the Equifax Security Breach. We have taken steps to place a 90 day fraud alert from the website. I 'm still concerned that our identities have been put at risk and have opened up opportunities for identity fraud. We are extremely careful with whom we do business and take exhaustive steps to keep our information private and secure. This is an inexcusable injustice as the ONLY job that Equifax has, in my opinion, is to keep our personal information secure.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (GA)

I 've tried to explain to them that my income changed dramatically within past year and unable to afford. Ask for assistance with forbearance long term but only granted one month. 

School Name - XXXX University, XXXX GA
Consumer complaint received 2016-10-01
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Paramount GR Holdings, LLC (TX)

Unfair and deceptive acts performed by Paramount Equity Mortgage Company has caused financial injury and strain for my family in several ways. 

In XXXX 2016, I was initially contacted by Paramount as result of inputting my information with an online mortgage broker company, namely, XXXX XXXX. My interest was to refinance my home for the first time in 10 years. I was in contact with a few institutions to explore opportunities. However, Paramount Equity gain our interest and attention with verbal and written promises such as, 1. {$500.00} guarantee that they 'll beat competing offers. 
2. Immediately submitting paperwork to lock in a very good rate ( better than average ) 3. Closing in less than 30 days 4. Being a smaller company permits them to waive excessive fees. 

Within two weeks I signed and provided every document necessary to close. Suddenly, correspondence had stopped. I tried daily and multiple times to contact my representative ( XXXX ) to get an update but no response. 1 week later I was contacted by Paramount and was notified that my original representative decided to leave the company for unknown reasons. However my new representative ( XXXX ) took over and made similar promises and proceeded. Immediately he wanted to change the terms of my initial contract. I complied and signed. Then I did n't hear from him for weeks. A few weeks later he emailed and said he forgot to include important information that will eventually prevent us from closing. 

I 'm extremely disappointed and feel duped for several reasons. Paramount Equity Mortgage Company : 1. Did not disclose all risk in the initial stages. 
2. Seemingly creating problems to not close and revise terms as a result of over promising. ( They claim to not know I was married even after having my tax returns and other documents ) 3. Took {$500.00} for an appraisal that was absolutely unnecessary. 
4. Took 60 days to tell me they " forgot '' to include information at the beginning of the process that ultimately hindered my refinance opportunities with other institutions. 
5. I had a late charge on my current mortgage because of anticipation of close. 

I am absolutely convinced that Paramount Equity has serious problems with their compliance management infrastructure, such as training and internal controls. Attempting to conduct business with this company has been horrendous for my family and me. Currently we are attempting to start the process all over in spite the blemishes ( caused by Paramount ) on my credit report. This company should n't be in business as its causing great harm in the marketplace.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

Steered towards forbearance instead of offered an income-based repayment program. Notifications were lacking in information that my IBR was about to expire and required renewal. Loan calculation were a bit skewed, I earned an additional {$1200.00} from one year to the next due to a raise, Navient increased my loan payment by {$90.00} a month when I filed for IBR.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MA)

Went to XXXX XXXX that was sued and mislead Students in their education that is considered a non credited institute with most major colleges, university or unable to locate empleoyment and now currently was shut down and close. Now trying to repay the loan that is no longer valid and since is a private loan with high interest the load hardly goes down and also dealing with federal loans as well
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

Equifax mishandled my personal financial information and neglected to implement proper security functions in their data storage. The data breach announced on XXXX XXXX, 2017 likely included my information. 

Nothing has been done by Equifax to notify me personally. It was announced publicly over a month after it was detected, and nothing was done to indicate who may be affected. I only learned about the breach and potential remedies through social media. 

As a credit reporting service, Equifax automatically and unavoidably has access to much of my personal information. Since credit reports are required for most major personal life actions, individual consumers have zero market power over these credit reporting companies. Thus there is nothing that can be done practically to keep this from happening again, both personally and as a nation.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

My personal information was released due to the improper release of information from Equifax servers. That information included my name, Social Security number, birth date, addresses, drivers license number, and might include credit card numbers. I have requested Equifax put a fraud alert on my account.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Late reports need to be removed Accounts Ever Late 2 Also the enquiries need to be removed XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX/XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Account Type Installment Loan Date Opened XX/XX/XXXX
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

Equifax has recently announced that they have been affected by a cyber security breach that has allowed the personal information of millions of Americans fall into the wrong hands. According to a tool offered by Equifax to check who has been affected, it is likely that my own information was also included in the breach, meaning someone almost certainly has my personal information due to irresponsible safeguarding of said info by Equifax. This breach occurred only one month after my credit history began. My new credit history has no negative marks on it, and has a credit score of around XXXX, which makes my very concerned that my personal info will be considered " valuable '' by potential identity thieves ; I feel as though my information is more susceptible to being used fraudulently. I am also concerned that whoever may have access to my information might not use it for a long period of time in order to avoid the 90 day fraud alert, as well as to wait until I, and many others, have let our guard down and may not be monitoring our credit reports as closely as we will be immediately after the breach. 

Equifax is entrusted with our most sensitive personal information, and allowing a situation to occur where the information of millions is given out to unknown, unauthorized persons is disappointing, and very frightening.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

Multiple times more money than pre arranged has been taken out of my checking account not allowing to pay other bills and when trying to set up reasonable payments I have been told the amount I can pay a month is not enough and if I do pay I can never afford to pay more than the interest off so I never bring the principal down
Consumer complaint received 2016-09-30
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: R.A.Rogers, Inc. (TX)

From my credit report : In XXXX, XXXX XXXX charged off the credit card account balance ( XXXX ). In XXXX, 2 years later, R A Rogers, INC collection consultants purchased the bad debt from XXXX XXXX. Currently, both parties are reporting on my credit report, being penalized twice for the same debt. Additionally, I have never received communications from Rogers Inc. in relation to the purchase of bad debt or the notice of right to dispute. Is there not a statute of limitation on when the debt can be sold/purchased? Is there something in FCRA, FDCPA, UDAAP that states it can not be reported twice on the same credit report? It seems unfair to be penalized twice through credit bureau reporting. Something does n't feel right with this process. It is damaging my credit history and it needs to be addressed.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OH)

I have made numerous complaints to Navient about how they handle my payments. I have overpaid every time that I make a payment and request that the remainder of my payment be applied to the principal, but a representative from Navient has told me that they would not do that, and it would instead be put toward my next payment. I want to pay my loan off early and not pay all of the interest that it seems the company is trying to force me to pay by not applying the remainder to my principal like I have requested. This is an extremely unethical practice, and I believe that if it is not illegal, it should be.
Consumer complaint received 2016-04-27
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I made a deposit of {$1300.00} in a mix of {$2.00} bills, {$1.00} coins, and {$.00} coins right before XXXX. However a few weeks later my online banking account said that I had a withdrawal of {$300.00}. I called to check with the bank as I had barely touched my account since the deposit. It turned out that the deposit that I had made was incorrect? I keep on getting pushed off to the bank manager then to customer service phone calls and vice versa. I counted every coin into every coin wrapper, so I should know if I was {$300.00} short. Plus it said that I was {$.00} short which does n't make sense at all considering I only deposited {$1.00} and {$.00} coins.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Equifax was hacked on XXXX XXXX, 2017 due to not having proper security on their website which has the personal info of millions of people. Apart from that, they set up a website in order to check if your information was compromised and have the nerve to tell you to sign up for their premium services. Such services will disqualify you from seeking any type of compensation for this colossal mistake on their part. They mishandled sensitive information and now want customers to sign up for an extra service, even if the first year is free, it 's insulting.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I am writing to expose the misconduct and unexplainable behaviors of Equifax. Both my wife and I had are personal information compromised over a month ago and are just learning about this security breach in early XXXX. This is unacceptable and has put our livelihood and safety at stake. I sincerely hope strong actions are taken against this reprehensible organization and its officers. 

Regards, XXXX XXXX