davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (ID)

According to www.equifaxsecurity2017.com, Equifax compromised my private information during the " hacking incident '' as of XXXX. They waited until XXXX to make the public aware. According to XXXX, Equifax 's Chief Officer of Security obtained her degrees in XXXX XXXX. I believe this was negligence on the part of Equifax to treat network security so haphazardly, given the amount of information on the amount of people they currently have the information of. More than one hundred million Americans are impacted by this incident. Equifax can not directly be reached by phone or email at this time. 

This incident will impact the rest of my life, and possibly even beyond that, as the information that has been misused includes my birth date, full legal name, SSN, all applicable prior addresses and legal relationships. It will cost me thousands of dollars to keep my compromised information from being used against me over the coarse of my life time, including fees for freezing and unfreezing my credit, expenses for credit security, and so forth. 

I never consented to doing business with Equifax, but it is known that they have information of everyone who has ever had any kind of loan, debt, bank account, etc.
Consumer complaint received 2017-09-12
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)

I found out about the Equifax security breach on XXXX XXXX, 2017. Because of this breach, my name, address, social security number, birth date, driver 's license number, and possibly even more data are now public information. They also did not notify the public of this breach until 6 weeks after it was discovered, allowing even more time for hackers to use this information inappropriately.
Consumer complaint received 2017-09-12
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. (CT)

I have send several disputes letters within the last six months and the most recents one 60 days, I have sent a letter from XXXX XXXX stating the paid my car loan off to XXXX consumer yet it still appears on my credit report and have n't receive any response from niether companies verifying, they have 30 days as part as the fair credit act to respond if not it has to be deleted, acceptance now also shows up and never been verified, I have hard inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX that I did n't apply for, I am filing a class action lawsuit if its not fix. My name, addresses, employer, has n't been corrected as well I sent in my proof of identification and social security card and still nothing, please remove all incorrect information as your company did n't respond in a timely manner, XXXX XXXX XXXX XXXX ice nevee been four payments late I changed my due date
Consumer complaint received 2017-09-12
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: First Associates Loan Servicing LLC (MA)

This account XXXX was open on XX/XX/XXXX and is inaccurate because this account was open without my authorization, when I attended XXXX XXXX XXXX  XX/XX/XXXX-XX/XX/XXXX for the only loan the I was aware of was for the financial aid offer thru department of education. The financial aid staff fill out my application for my financial aid the whole process was done in a rush and everything was done e-sing thru the application on the computer. My understanding was the I was signing my financial aid application. I didnt know nothing about the XXXX XXXX XXXX loan offer thru First Associates, I found out about this account 6 months after my graduation. I send a letter on XX/XX/XXXX to first associate requesting the removal of this loan for the reason the I didnt authorize this loan. They replay on XX/XX/XXXX staying ( That understand I have requested debt forgiveness. they are not a branch of XXXX. There administrative authority is strictly limited to the terms of original contract terms. The unfortunately they can not make changes or otherwise modify contract terms, including but not limited to my request for debt forgiveness. ) This application was not fill out or sing by me and I can prove it, the copy of the contract they send to me the information is not accrued. This application was done in XX/XX/XXXX and in one part of the application said ( XXXX XXXX XXXX ) Im a us citizen sent XX/XX/XXXX this application was done fraudulently is unfair the I have to be paying for something I didnt authorize. Since I finish XXXX I have not been able to find a job, the job in this field require a XXXX XXXX or higher education. Now this account is on a collection status of {$6000.00} on my credit report. I am so disappointed I spent 2 year after a degree the is not good for nothing I have a debt the I 'm not able to pay. to be in a worse situation my landlord is asking me for the apartment the I 'm leaving inn at the moment and because of this debt I 'm not able to find a good place to live because of this school and this private loan my credit is not good. I 'm not going to be able to rent a good apartment or buy a house, get credit card, or improved my credit rating. This has ruined me more financially the I was before. Now I will be ending up in a shelter with my XXXX kid because this school mislead me with false information they assure me they will help me obtain more desirable jobs and higher income to better my live and my future and now i do n't have nothing only more problems them before
Consumer complaint received 2017-09-12
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc. (IL)

I was behind on a payment on two of my credit cards serviced by this company. They called a number of a estranged family number to get information. They gave this person who answered the phone private information on my account including total amount owed, payments made and payments needed. This is a personal credit card. I have no additional signers and have not authorized anyone to have access to information regarding these accounts. I am not married, phone collector assumed they were speaking to a spouse and gave all information to them. I have no relationship with the person they spoke to about me. This happened onXX/XX/XXXX andXX/XX/XXXX. I called the company and was given a number to their corporate office. I called that number, sat on hold for twenty minutes and then was dumped into a voice mail box and have not heard anything back from the company since. I have two accounts through this company, and they did it on both accounts.
Consumer complaint received 2017-09-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AZ)

I sent total amount due to XXXX ( {$5100.00} XXXX to reinstate my mortgage on XXXX/XXXX/XXXX. According to XXXX monthly billing statement XXXX/XXXX/XXXX, this amount was due on XXXX/XXXX/XXXX, late after XXXX/XXXX/XXXX. The reinstatement payment should have stopped any foreclosure process. Nowhere on any paperwork from XXXX does it say funds must be secured funds. 

Meanwhile, XXXX transferred servicing of my mortgage to Carrington Mortgage Svc, but did not stop foreclosure proceeding scheduled for XXXX/XXXX/XXXX. Intuitively, I went to the foreclosure proceedings at XXXX XXXX XXXX 's XXXX foreclosure trustees ) office to make sure that the procedure was halted. I stringently affirmed to XXXX XXXX XXXX that I had paid total reinstatement amount showing them the check stub. XXXX XXXX XXXX employee stated that XXXX had n't informed them and they contacted XXXX. I specifically asked XXXX XXXX XXXX employee, " So what does this mean? Are you guys going to tack-on a few XXXX more in fees when I 'm already behind, after this? And, is the foreclosure process going to be stopped or not? '' XXXX XXXX XXXX employee said that there should be no additional fees, but that the reinstatement amount had to be paid in " secured funds ''. I told the employee it does n't state that anywhere on the XXXX monthly billing statement or in any paperwork from XXXX. I sent XXXX a check. The XXXX XXXX XXXX employee stated that I would be contacted by them if a new foreclosure date was scheduled because they had to discuss the matter with XXXX. 

About XXXX/XXXX/XXXX I received a reinstatement notification from Carrington stating that the reinstatement amount was now {$7700.00}. They had indeed added {$2000.00} in fees and {$140.00} in late fees. Furthermore, I inadvertently found out that there is another foreclosure date pending on XXXX/XXXX/XXXX, through a refi solicitation. XXXX XXXX XXXX never contacted me about a new foreclosure date and neither did Carrington Mortgage. 

Thus, I paid the total due reinstatement fee to XXXX on XXXX, I paid subsequent XXXX mortgage payment to Carrington. XXXX transferred loan servicing to Carrington Mortgage without inform XXXX XXXX XXXX or telling these trustees that I had made the reinstatement payment. The foreclosure would have been conducted on XXXX/XXXX/XXXX if I had not stopped it ( XXXX had time to inform trustees of payment ). Carrington Mortgage XXXX new loan servicer ) has added late fees and XXXX XXXX fees of over {$2000.00}. And, another foreclosure date is pending XXXX/XXXX/XXXX.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I have sent a 609 letter to all 3 credit bureaus requesting validation of a debt that 's reporting on my credit account labeled " XXXX ''. 

I am requesting that under the FCRA act that this company provide me documentation on this debt, proving that I am liable as I have not received anything in writing, email, text message, phone conversation from this company. 

I sent a 609 letter to all 3 credit bureau 's whom failed to provide me proper documentation that this debt belongs to me. Yet XXXX is reporting and making changes to this debt monthly without my consent or my aggreance. 

I have attached the 609 letter that was sent to the credit bureaus and also screen shots of XXXX erroneously reporting this account on my credit report. This debt came back 'verified ' but I was not provided any documentation that supports that claim. 

Please furnish all documentation that authorizes this company to do this to include but not limited to a contract signed by me with this company. 

Otherwise I am requesting removal of this account from my credit report.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After the data breach/hack on XXXX, I went into all three agencies to freeze my credit. Both XXXX and XXXX made this process very simple and fast ; a couple of click of the mouse and it was done/locked, secured. However, when I went to secure on TransUnion 's web site, it kept taking me back to their paid for credit monitoring service ( they want {$19.00} per month to monitor/freeze my credit ). When I called, their agent ( XXXX ) explained to me that that is a part of the credit monitoring service and if I just want to freeze my credit, he would have to transfer me to another department. Low and behold, we were disconnected. 

I have since found out that the only way I can get TransUnion to freeze my credit is by sending them a letter, via USPS, with the following information : - full name, including middle initial - complete current address and previous addresses for the past two years - social security number - proof of identification ( e.g. photocopy of your valid driver 's license, passport, state ID, military ID, or birth certificate ) - address verification ( e.g. utility bill, cell phone bill, pay stub. Do not send a credit cards statement, magazine subscription, voided check, or lease agreement ) - payment ( check, money order, or major credit card ) Now, say I send all this information, via USPS, and it does not reach them but it actually falls into the hands of a dishonest person - my ID has been stolen. 

Why do they have to make this so hard? I 'm trying to do the right thing and they are making it very complicated. Make no sense to me. 

Thank you for your time XXXX XXXX
Consumer complaint received 2017-09-12
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. (GA)

I have sent a 609 letter to all 3 credit bureaus requesting validation of a debt that 's reporting on my credit account labeled " XXXX ''. 

I am requesting that under the FCRA act that this company provide me documentation on this debt, proving that I am liable as I have not received anything in writing, email, text message, phone conversation from this company. 

I sent a 609 letter to all 3 credit bureau 's whom failed to provide me proper documentation that this debt belongs to me. Yet XXXX is reporting and making changes to this debt monthly without my consent or my aggreance. 

I have attached the 609 letter that was sent to the credit bureaus and also screen shots of XXXX erroneously reporting this account on my credit report. This debt came back 'verified ' but I was not provided any documentation that supports that claim. 

Please furnish all documentation that authorizes this company to do this to include but not limited to a contract signed by me with this company. 

Otherwise I am requesting removal of this account from my credit report.
Consumer complaint received 2017-09-12
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 Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. I would like to find out if I have been affected as there are reports going around that the tool Equifax released to check if we 've been affected has inconsistent results.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

This company has foreclosed on my home after it was put under the civil service protection act in XX/XX/XXXX. The initial paperwork said that no Legal proceedings would take place until XX/XX/XXXX. After recent investigation it has also been found that this same company falsified documents and committed other illegal foreclosure proceedings. They are currently reporting this fraudulent erroneous information to the credit bureaus. This company has did my family and I a great disservice. As a XXXX XXXX XXXX veteran I am disgusted with their illegal practices. Please investigate this company. This is not the first time they have been under investigation for practices such as this. I truly am in awe of the practices the government allow to take place by these big banks who just misuse mistreat and cheat our veterans. The ones who stood on the front line for this very country.
Consumer complaint received 2017-09-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (ID)

I graduated From XXXX in XXXX consolidated my private loan through XXXX XXXX at the time in XXXX and started Repayment in XXXX! the original balance was XXXX This is without the capitalized interest, I later found out about! As of XXXX I still owe XXXX XXXX XXXX years later. I have only made {$26000.00} dent in the loan, meaning I have only paid {$2800.00} per year on principle and the rest on XXXX! My rate have Gone From 9 % to 3.5 % and is still Variable! I pay anywhere from {$1300.00} a month to {$800.00}! Each payment they are putting 70 % toward my interest and 30 % toward my principle! I have payed over {$7000.00} in interest in any given year and can only write {$1500.00} of it off on tax exemptions!! I have called several times though out the last 9 years trying to figure out what I can do, how I can lock in a rate or anything! In XXXX after meeting all the requirements, I was trying to get my cosigner off my loan and found out they dispersed my payment to my federal loan and defaulted on my private and tried to make it my fault! They did not grant me the release of a cosigner because they said I did n't make the payments, WHICH I DID make all the payments and had to fight with them over the phone for months to get it taken care of and nothing went to collections. I recently noticed my payment had gone up and called to see what was happening and what I could do! I called customer service at NAVIENT XXXX XXXX XXXX and asked what were my options with this loan and what i could do! And the ANSWER WAS THEY DO NOT HAVE AN OPTION FOR ME! I HAVE NEVER DEFAULTED ON THIS OR ANY LOAN IN MY LIFE AND I MAKE MY PAYMENT EVERY MONTH! and they do not have an option for me? and are dispursing my money however they like to only benefit there company! ITS A STUDENT LOAN!!!!!!! There are so many loan forgiveness programs out there and I am not even asking for that! I am asking for them to be reasonable with my money and help me out rather than give me NO options! I can not even put it on hold, if I were to have something in my life to happen and need to! This is hindering my life, my childs life, our futures and all I want is them not work with me and give me options without having to not pay and deal with XXXX and Ruin my very amazing credit just to get them to negotiate! 
I have also requested all of my correspondence with them for the last 10 years, phone calls etc and they are having a hard time getting all that info!!! They have to keep a record and give me my files!
Consumer complaint received 2017-09-12
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: EQUIFAX, INC. (SC)

I called Equifax on XXXX XXXX stating that I have inquires on my report that I did not recognize. I informed them that I had contacted XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX by phone and by mail in regards to unauthorized inquires. I received no validation from said companies that I authorized my report to be viewed. Equifax refuses to investigate even after I have done my part as the consumer.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (AL)

Experian is running TV commercials advising that they will run a free " report '' of my " information '' being on the dark web. Knowing they are providing free services for credit monitoring for a year because they compromised my information, I went in and provided my email address. After the report ran, they requested my credit card information for continued dark web service. This is deceptive. They are using the data breach and free offer of credit reporting to try to sell this product but they advertise it is free until after you provide your personal information. This is WRONG and the government should not allow them to do this. It 's predatory and deceptive. They have already done enough damage to peoples lives and now they 're trying to take their money. The CFPB needs to regulate these companies just as much, if not more, than they do the financial and other industries. What they are doing is criminal!
Consumer complaint received 2017-09-12
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)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. 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. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Consumer complaint received 2017-09-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

I 've tried on numerous occasions ( XXXX ) to lower my payment plan with Navient, which I was advised would be {$250.00} per month. Since my Federal loans were placed on an IBR plan, which equals out to {$0.00} a month, I tried to do the same with my private loans ( Navient ) but I was told that I cant do so, by the customer service rep I spoke to. She also advised me that she audited my assets along with my co-signer ( my mother ) and that I should be able to actually pay my loan in full since my mother owns her house, that alone sounds ridiculous. I was also told if I stop making payments Navient will garnish my wages, which is n't much, along with my mothers XXXX wages. Being that my mother is on XXXX XXXX XXXX, she was advised that all her student loan debt was dissolved and also reimbursed for the payments that were made during the time she was on XXXX, so by law shes not responsible for my debt even though she co-signed. That was honored for my Fed loans -Dept of Education XXXX but not Navient. I explained that to the customer service rep and she was combative and would n't budge. Since Navient is currently in litigation for the fraudulent acts towards borrowers and misleading us, I want to know if anything can be done on my behalf?
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

Equifax had a security data breach on XXXX XXXX, 2017. Due to this incident my personal information was impacted by this breach. I am submitting a formal complaint. I believe that this security breach has highly impacted my personal information. 

After going to the site XXXX it appeared that I was impacted with this security breach. I did not enroll into any thing because I do not want to waive my right to sue. 

I was notified via email to prove that I was impacted by this security breach, also I have filed a police report. I am putting in a complaint against Equifax for their negligence of handling my personal information. 

I was previously a victim of identity theft in the past and I am worried about my personal information and security.