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: EQUIFAX, INC. (IL)

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 2017-01-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (GA)

Hello Consumer Finance, I 'm not sure where to even begin! I have been battling with Equifax for the last few months and as of late I submitted a complaint against them. I 've had some fraud on my report and it been a complete nightmare for me. Since I travel I guess I 'm an easy target. AND now it almost seems like experience is retaliating against me in the form of negative reporting. I 'll give you my evidence and what happened and hopefully we can make some sense of it. There was an SST/SYNOVUS ( # XXXX ... ... ) & an XXXX ( # XXXX ) that were and haven {$0.00} balance for years.no balance owed nothing. I filed a complaint against Equifax about 2 weeks ago and as of yesterday morning. Those accounts mentioned both have a balance of $ XXXX. and was reported as a new charge-off and derogatory. ( according to the credit monitoring ). This has sent my credit into a tail spend and my stress and health are taking a toll. Please help me. Here is the attached screen shot showing the XXXX balance charge-offs for the exact amount and how they showed out of thin air. 

I 'm already fighting with someone using my social and now I have to fight a large company ... I do n't stand a chance. and I think they know that so they keep doing stuff like this to people.
Consumer complaint received 2017-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (MN)

Hello, I have been on Income Based Repayment for my federal loans since XXXX, and I decided to switch to the REPAYE program. On XXXX, my wife and I submitted an Income-Driven Repayment ( IDR ) Plan Request using the studentloans.gov website ( form OMB No. 1845-0102 ), which successfully obtained our XXXX federal income tax information and forwarded the request to my loan servicer, Navient. On XXXX, their representative acknowledged Navient 's XXXX receipt of this request after I inquired after its status. At that time, she requested 15 business days to process the form from the time of their receipt ( which would have been XXXX ). After hearing nothing regarding my submitted form by XXXX, I again inquired. A different representative replied on XXXX, stating " We are unable to switch plans until the IBR plan is terminated '', and that such a request MUST be made over the phone. On XXXX, I informed them that a signed, written authorization which precisely matched their instructions was already included in Section 6 of the submitted form ( OMB No. 1845-0102 ), and that I would submit a public complaint to the CFPB if they did not accept the official form. On XXXX, a third representative responded and persisted in refusing to process the XXXX request. It is now over 30 business days since the form was submitted, and this corporation has failed to act upon it. 

This private corporation ( Navient ) lacks the authority to arbitrarily ignore an officially approved form containing written, signed authorization for a process they are supposed to be facilitating on behalf of the Department of Education. Not only that, but they only communicate these arbitrary rules after one has submitted the legally proper form. Such blatant non-compliance is unacceptable. 

Also of note, upon my logging into their website, Navient is now are asking for reverification of my IBR plan by the end of XXXX, the time at which I would normally resubmit this exact form. That they refuse to use the submitted form despite its clear instructions is evidence that this private corporation is abusing its station and creating unnecessary paperwork for XXXX citizens. Such an act seems to be a violation of the Paperwork Reduction Act of XXXX. 

I will add that throughout this process, the individual representatives that have contacted me have been courteous and non-threatening, despite being unhelpful. 

Thank you very much for your time.
Consumer complaint received 2016-04-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Adler Wallach & Associates, Inc. (TN)

I recently pulled my credit report and discovered that this company is reporting that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me a service that I agreed to pay them for
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (TX)

I was never told when my forbearance was up. I happened to look at my credit score and seen how low it dropped. I had late payments and I did n't know payments were due. I have tried several times to put my loans in Income based repayment but the rep kept sufficient me up for forbearance. While in forbearance my loan gained an astronomical amount of interstate.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

XX/XX/XXXX, I called Sallie Mae to start the process of paying my student loans. I graduated XX/XX/XXXX from XXXX University. In finding out that my monthly payments were quite high, I wanted to find out what options were available to me to lower the monthly payment. 

I spoke with a very nice woman, based in Indiana. I believe her name was XXXX. She told me about the rate reduction program. I applied, and was told that I would need to miss a payment in order to be considered. Though I thought this was strange, I obliged. 

Soon thereafter, I found out that I had been accepted to the program. By that point, I had all of my loans scheduled on autopay, and, according to everyone at Sallie Mae, everything was on track and good to go. 

On XX/XX/XXXX, I tried to apply for an apartment in XXXX XXXX. To my surprise, I was denied and told that I had an exceptionally low credit score. Because Sallie Mae was the only company that I was indebted to ( besides federal loans ), I immediately thought that there might be an issue with my Sallie Mae account. I spent my entire lunch break speaking with an associate, and then a supervisor. The supervisor assured me that the credit issue was not associated with Sallie Mae, and that the company had never reported anything related to my account. 

When I returned home from work, I ran my credit report, and found that my extremely low credit score was, in fact, due to Sallie Mae reporting my " missed payment '' to the credit agency. Because of my low credit score, I was denied housing and had to spend years fixing it. This was a huge hassle - especially for someone right out of college. And to make matters worse, my interest rates/monthly payments were astronomical.
Consumer complaint received 2016-09-23
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Select Management Resources, LLC (TX)

I got a title loan XX/XX/XXXX for XXXX they told me the payment would be XXXX a month for six months. XX/XX/XXXX they told me all I had paid was the interest. I have paid XXXX on that loan and they still want more. I ca n't get my title back
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (PA)

I 'm in a double situation of annoyance. I was a previous student of the XXXX XXXX of XXXX. A company that was sued not that long ago for fraudulent activities and recruiting low income students in order to take out more loans than needed. On top of NOT being accredited, it made it significantly difficult to transfer credits to a better/reputable school. The credits themselves do n't even transfer to their OTHER XXXX branches. Forcing students to take out more money for classes because they credits could n't transfer over to schools within the same company. My loans were being handled by XXXX XXXX now Navient and it 's a nightmare. I ca n't afford to pay my loans off. They have absolutely no kind of payment plan that is affordable. When I had tried in the past to explain that I do n't have {$500.00} a month because what should I do? Not eat? Not pay rent? They hung up on me. When I called back the woman only wanted to speak to me if I could pay their price. I keep submitting for forbearance because I can not pay. What makes it worse is that my degree is considered useless. I could barely find employment in my field. Their graduation was a huge joke because all their graduates were supposed to have a showcase for recruiters show up. Not a single recruiter showed up for ANY department the students were in. I ca n't afford to go to another school and get a BETTER education from an accredited place and am stuck with XXXX worth of debt until probably the day I die. I find this extremely unfair that everyone was aware of the XXXX XXXX 's shady practices, SUED them and not a single student of that school that was a victim of their shady practices saw any kind of benefit. Now XXXX/Navient is being sued for the same nonsense and what will come out of it for me? Does my debt get abolished? Will I get my credit back to a decent place? Will I receive money to go to a new school? I hate that I did the right thing by trying to get an education only to end up misled and scammed by BOTH of these organizations. I 'm XXXX and have to pretty much START all over again in education paying desperately out of pocket for classes here and there because I ca n't afford to take out anymore loans to attend a school. Not even a community college.
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)

Today, XXXX XXXX, 2017 I became aware of the recent Equifax Security Breach. My identify appears to be affected by this breach based on checking www.equifaxsecurity2017.com though I did not sign up for their service. This is distressing and unacceptable as my information was divulged without my consent and opens me up to potential security risks such as identity theft.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (GA)

My grandmother and I are co-borrowers of a student loan originally from XXXX XXXX. The repayment process has been treacherous for lack of a better term. My grandmother who is XXXX has been receiving multiple calls from different numbers and received numerous letters threathening to garnish her social security check which is her only source of income. I was sick and ran into issues getting a permanent job. I got one 2 years ago but they put my loans into default witn no ways of negotiation to catch up with the exception of them trying to charge me {$400.00} for a repayment program which was entirely too much especially since the payment was more than a car note. Now my grandmother and my credit is shot. If it was just a better way to repay a student loan without having to feel like you made a huge financial mistake just to get a good quality education.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (PA)

I came across financial difficulty. When I attempted to lower payments or work out an agreement navient would always push me to deferment or forbidance. They have always reported me late to the credit bureau, charged a TON of interest, and late fees. Was not willing to work with me.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NY)

My loans were with XXXX XXXX and they were transferred to Navient. I belieive that some payment info is inaccurate they went up on my APR. with out my consent. Unfair and deceptive collection practices. Sending me emails stating I owe XXXX when my loan is on a income based repayment plan and there is no balance due yet. they also cheated me on Interest that accrued and the balloon interest that went on loan in the short period of time since Navient taken over the loans
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NY)

For years I have had issues with XXXX XXXX, which later became Navient. One of the first statements I received from them was a garbage printout of seemingly random numbers and letters where my loan info should have been. I had several Loans with the company ( then XXXX XXXX ) and each had its own collection amount and a different due date. When I called to speak with a representative, they would only confirm XXXX of loans ( direct subsidized paired with an unsubsidized ), but would not confirm any other loans which i was receiving mail for. I decided to Consolidate all of my loans through XXXX XXXX, since i was familiar with their billing, and had no issues with that company. Somehow XXXX XXXX re-acquired the consolidated loan. I tried to file for financial hardship deferment and an income based repayment ; both of which were either lost or not completed by XXXX XXXX. When I consolidated my loans, I was made aware that my Private loan would not be included in the consolidation. XXXX XXXX also [ conveniently ] neglected to tell me about XXXX of my XXXX loans. Leaving me with a large consolidated loan, a private loan, and a third loan. I have since repaid my Private Loan, and I now have XXXX loans, under XXXX different Navient " Accounts ''. Their website will only allow me to access one of these pairs, but they send me paper bills in the mail for both. I have repeatedly complained and tried to get my accounts merged ; for a while I was n't sure if I was being scammed by a fake " XXXX XXXX '' / '' Navient '' and their operators are no help either. If a representative calls me about XXXX loan, they have no info or visibility of the other loan. This is very frustrating. Today I received my XXXX form and it has the wrong social security number on it! If this company ( now Navient ) can not properly maintain my social security information, which is a number that does not change, how can I trust that they are accurately maintaining my account [ that has variable numbers ]. I understand that Navient " being disorganized '' is not a reason to file a lawsuit, but I have serious concern and feel that this company has not only provided me with inaccurate and deceptive information, time and again ; but also that they purposely kept me from consolidating [ all of my loans ], and switching loan servicers, and also kept me from getting a needed deferment when I lost my job and also kept me from filing/ completing an income based repayment plan. Please look into this company 's practices.
Consumer complaint received 2017-01-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (KY)

I made a request to Wells Fargo Home Mortgage to close an escrow account on XXXX XXXX, 2017. At that time I was informed by Wells Fargo that it takes them 7-10 business days to close an escrow account. Due to an issue with Wells Fargo applying funds to my account, the actual account closing was n't processed until XXXX XXXX, 2017. The account was actually closed by Wells Fargo on XXXX XXXX, 2017, XXXX business days later. According to Wells Fargo a check was cut on XXXX XXXX, 2017. Since I had not received the check from Wells Fargo by XXXX XXXX, 2017 I called them back to inquire as to why I had not received the disbursement. The representative informed me that a check was cut on XXXX XXXX, 2017. However, after inquiring further and after the representative dug further, apparently the check was not actually sent until XXXX XXXX, 2017, XXXX days later or 3 full business days. I believe that this is a intentional effort by Wells Fargo to delay sending funds to their customers in order for them to take advantage of interest earned on balances held during the float period.
Consumer complaint received 2017-02-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (DE)

I was in formed via letter from the mortgage company in XXXX that I no longer needed to pay PMI {$27.00}. I called the company XXXX as my statement did not reflect the new payment amount. I was told my new payment would be {$510.00} and it will take their system a couple of cycles to catch up. It 's XXXX and I 'm about to make my XXXX payment however my statement still does not reflect the new amount. I have been paying {$540.00} indicating on the payment stub that {$27.00} should be applied to the principle. I called the company today to inquiry and was told they were not applying the funds as I wanted. They were applying the funds to the escrow account because there would be a shortage. I was never notified of an escrow shortage in writing or when I called in XXXX. The company says they can not reverse the payments to the escrow account because of the shortage and I should be paying {$540.00} to cover it. Since I was not notified of the shortage I would like an escrow history. I would like the company to credit me the amount of money roughly {$27.00} a month for XXXX, XXXX and XXXX to the principle. I would like the company to correct any future statements with the correct payment amounts.
Consumer complaint received 2024-08-31
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (OR)

In 2022, i filed XXXX XXXX XXXX Student loans are generally not discharged, 99 % of the time. There are expections and its up to the court. In this case after my attorney argued that i should be permitted a discharge on all loans, the federal government actually stipulated in a mutually agreed resolution that I qualify for the discharge and the debt is gone. The ruling was final early XX/XX/XXXX and yet im still dealing with both fasfa and the current collector whoever the XXXX that is today might have changed twice, im still trying to get acknowledgment and the relief that the federal government agreed and that a us bankruptcy court judge ordered nearly 2 years ago. And everyday my credit and suffered because of this everyday i deal with harrying collector calls everyday i deal with this and im done be polite about. It its not fixed, and i know im heated and you have done nothing i mean no ill temper towards you, im just going to contact the attorney who got it discharged and hope that he can help based on some reduced fee or hopefully contingency agreement. Because the amount of economic damage and emotional stress this has caused has been immeasurable. But thats what courts and attorneys do, and im sure they will figure out a number. I filed a complaint almost 3 months ago with fasfa and have to hear back, I provided them copies of the court ordered dismissal and the fed and my stipulated agreement and settlement, i gave them all this. I should not have to do this, i but ok, theyre dragging their feet, i will do it. Still nothing. Not even a response to my complaint let alone any movement on the subtstanive matter of clearing my name, debt and credit. 
Please help NOTE : Please send this info to both the federal student aid AND the current servicer Default Resolution GroupXXXX XXXX XXXX 

Thank you. 
XXXX 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. (WI)

Equifax 's security breach resulted in my private, personal information being inappropriately divulged to third parties without my knowledge or consent. Information included my name, address, and may have also included my date of birth and social security number. 

As a major credit reporter of the United States of America, it is Equifax 's responsibility to ensure that my information is secure against third parties, as well as security breaches or hacks, especially when I do not have a choice to opt-out of this this credit reporting service ( and believe me, I would. None of my information is secure unless I 'm the only one who knows it XXXX. 

Equifax should be continually updating its systems and ensuring that it hires enough staff to appropriately manage all data security risks that could possibly occur, through hardware, software, social engineering and the like. It is unacceptable that this data breach occurred, and there is no equivocal reparation that could possibly be made to rectify this situation, apart from issuing me a new, uncompromised identity. 

Equifax, as well as both other companies, XXXX and XXXX, should go through rigorous audits to ensure that their data security operations are impermeable. United States citizens do not explicitly consent to or authorize the use of their information by these third party companies, and as such there should be a mechanism in place to allow either an opt-out, or consistent, thorough security testing. I 'm not sure what data storage looks like for these companies, but any and all information should be both salted and hashed on the storage side and transmitted at no less than SSL XXXX encryption. 

I take my information security very seriously and it is somewhat likely that this mistake will cause me and many others much hardship in the future. The way that my information has been handled is unacceptable and deplorable, and I will be closely monitoring the outcome of this situation to ensure that parties are held responsible and accountable.