davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NV)

I have an awkward situation I am trying to understand. We opened an equity line of credit with Chase Bank in XXXX of XXXX. Sometime I think around XXXX when the housing market plunged, The line was frozen and I think modified into a term loan, but we continued to receive monthly statements and paid as requested. I had other financial issues and filed a personal Bankruptcy in XXXX. About the same time we stopped receiving our monthly statements. When we checked back with Chase as to why all we were told was that it was paid and we had a XXXX balance. There is nothing in our personal credit file showing the account, and we have nothing in writing showing payment information. A few years later I started receiving phonically at my work from apparent collection Companies telling me for {$20000.00} that they would release the lien that Chase has on our home. WHAT LEIN? About XXXX years ago I begin getting calls from XXXX XXXX @ XXXX XXXX supposedly At Chase on or about XXXX XXXX, XXXX about this same Loan Lien Release for {$28000.00}. I first went to The XXXX XXXX office of Records, they then sent me to XXXX XXXX hall of records where they transferred the records to and got copies of the Chase Liens and their release of Liens. They had a previous Lien # XXXX Filed XXXX XXXX, XXXX for {$99000.00}, Then a new Lien # XXXX filed XXXX XXXX, XXXX for {$200000.00}. A Full Reconveyance # XXXX was filed XXXX XXXX XXXX. 

It appears that when the market went upside down the XXXX XXXX did a Bank Bail Out that somehow paid my underwater mortgage. I can get no details of what actually happened, but all I can ascertain is that there was a loan, there was a payment by someone that paid the note to a XXXX BALANCE and there was a reconveyance, but only on one Loan paperwork not the second, so now the second mortgage lien is being held for Ransom the remaining balance, but they will give us a discount for a cash payment. 

This whole thing smells bad, and if it appears to smell bad, it probably is. These people are very secretive that they wont answer the phone, dont have e-mail addresss, dont give out names, and wont put discussions in writing. 
WHo are these people holding our home for Ransom? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX Cell
Consumer complaint received 2016-10-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (CA)

First off, I used an online application form offered by nelnet to fill out a request for a repayment plan. After I was finished filling out their form on their website, they said it was complete and they would request more information if they needed it. 1 month later, I receive notice on my account that I owe a large amount of money within a few days, which should not be so if they properly processed my application. I then call their customer service and I tell the representative about the application I filled out on their website, the note that they will contact me if necessary, and the confirmation email. She tells me that there is absolutely no record of that application and also adds " I would never trust anything online '' in reference to their website. She then tells me that I must take a forebearance on my account to give them time for me to fill out the forms all over again and for them to be able to process these forms. This adds several thousands of dollars of interest to my loan. I agree to it because she convinces me that this is the only option for me, as it will take a long time to process the new paperwork. 
This began in XXXX and I have been having trouble with them ever since and emailing back and forth about paperwork they need in order to finish processing the application -the customer service agent told me it would take 1 month. This last Friday, after several confusing emails, I called their customer service. I was told that the original online application that I had filled out on their website in XXXX, was clearly visible on my account according to their system. It also stated that all that was needed was XXXX piece of documentation regarding proof of income. Even though the online application told me in the confirmation I received that they would notify me if any more documentation was needed by them, I had received nothing. Also, my application that I had sent months ago, suddenly appeared. I mentioned to this customer service agent that it seemed really fishy that a few months ago their company would tell me that they lost my paperwork entirely and forced me to take a forebearance and add significant interest to my account, and suddenly the original paperwork is clearly visible in their system and all I would have had to do is send XXXX piece of paper that I could have sent within 1 day. He said absolutely nothing and remained silent until I asked a different question. 
I feel as though I have been scammed out of money. I am not a rich person, and that is very clear to Nelnet. For some reason, they decided to take advantage of my situation and my desperation to not let my loan go to collections. I hate to wonder how many other individuals in my same situation, have been scammed by this parasitic company.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/XXXX, at XXXX I called USAA to investigate a misleading inquiry on my credit report. I spoke with a XXXX who transferred me to another representative XXXX. I asked XXXX for a escalation specialists. I was transferred to a XXXX XXXX XXXX. 

I explained my current situation of a credit inquiry on my credit report and went into detail how their pre-qualification is different than the industry. XXXX explained I was wrong and that a pre-qual is the same as a pre-approval. He stated that because a computer ( Desktop Underwriter ) reviewed the inquiry it has n't gone through an Underwriter that would require income verification, etc. I advised XXXX that the website and company definition is misleading ( initial simulation of income/expenses and obtaining a DTI ratio ) to consumers and he stated, " It 's not. '' I advised that the intent of the request through USAA was to obtain enough information to make a sound decision to either apply for a pre-approval or to not. 

Through our conversation, he advise that he has made a request for other people to remove the inquiry off their credit due to an error. I then asked if it 's fair that he would do that for other people when my situation was misleading. He said yes, that is fair. I told XXXX he has violated Fair Lending practices by offering other consumers a credit inquiry removal but not for me. He stated, " I have not because it was company error. '' I do n't feel my situation was resolved and asked to be contacted by an AVP/VP. XXXX 's response was, " No. I am not going to give you that information. '' I then asked for his supervisor. His response, " ... .this is going to end with me. '' I asked if I can be transferred to his supervisor 's voicemail, he said, " I can but I will not. '' I asked for his supervisor 's name, XXXX stated, " No. '' " I 'm not going to give you that information. '' I asked for a manager call back, he said, " No. '' I called back and spoke with a XXXX and asked for XXXX 's supervisor information. She offered for a manager call back within 24-48 hours. 

I feel that I was personally discriminated against due to my current financial situation as XXXX had my credit information in front of him. I was attempting to resolve my concern and was left with a horrible experience from a USAA escalation specialist.
Consumer complaint received 2017-09-11
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. (OH)

Hello, I am writing to dispute the following information reporting on my credit reports. This item is with XXXX XXXX. The information reporting is inaccurate because I am no longer responsible for this debt. The vehicle was sold by XXXX XXXX through XXXX XXXX XXXX XXXX : ( XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Oh. XXXX XXXX on XXXX/XXXX/XXXX ; After being told that I could recover the vehicle by XXXX XXXX ( XXXX XXXX. Representative ). I sent in all of the required documents to XXXX by the due dates, and on my way to recover the vehicle, I learned that the vehicle was sold before our agreement. Since then I have contacted XXXX XXXX several times to find out how much the vehicle was sold for and to see if there was a remaining balance ; The company has n't contacted me with any information. 

I have disputed this information with all three credit bureaus and still there has n't been a proper resolution. I will attach copies of the correspondence between XXXX XXXX and I, supporting my position. Please investigate this matter as soon as possible. 

Please see the notes attached on each document. 

Thanks, XXXX XXXX
Consumer complaint received 2017-08-07
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: HUNTINGTON NATIONAL BANK, THE (NE)

we received a letter from Huntington National Bank dated XX/XX/XXXX stating our boat installment loan had been paid in full on XX/XX/XXXX. To this day, XX/XX/XXXX, Huntington bank has yet to release the title to the Department of Motor Vehicles ( DMV ). My husband attempts to contact the bank on a daily basis to check on the progress however the customer service is horrendous and often the 'hold ' times exceed what he is allowed during his work hours. He has tried numerous times to allow myself to speak with a representative, which they have declined. He has been given inconsistent information as to when and even if the title has been released. As of this past Friday, a representative failed to 'verify ' my husband and would not even give him information and ended the call. He has but put on hold after requesting not to be put on hold, he has been transferred and hung up on going on months now. The buyers of the boat are considering legal action against us as they yet to have the title.
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. (MA)

Equifax experienced a prolonged hack, which led to all of my personally identifiable information being released alongside hundreds of millions of other Americans '. As a young professional, this weighs heavily on the rest of my life, leading me to requiring constant vigilance as a result of being a victim of this crime, without any possible steps being taken to prevent it. 

The information in their database was not secured in any proper way, leaving me, alongside millions of other Americans including my close friends and family, at risk of financial ruin at any time. This information could destroy the credit my family and I have worked to build since our arrival in the United States ; it could lead to tax fraud and leave us without our deserved tax returns ; and it could lead to crippling debt we may never recover from. 

I, along with my fellow citizens, could not have taken any steps to prevent this from occurring ; the information compiled by Equifax was gathered without my consent ever being prompted. While this is the purpose of credit checking companies, the fact that the information they gathered is valuable enough to act as almost absolute proof of my identity is unforgivable, given their lax security.
Consumer complaint received 2017-09-11
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/XXXX I received a Notice from XXXX XXXX XXXX, XXXX dated XX/XX/XXXX stating they were initiating foreclosure proceedings and the Notice stated that " The following information is provided to you as required by the Federal Fair Debt Collections Practices Act ... This is an attempt to collect a debt, this is a communication from a debt collector ... '' On XX/XX/XXXX, I  sent a letter via certified mail to XXXX XXXX. XXXX, XXXX requesting verification and validation of the alleged debt. To date, I have never received verification and validation of the alleged debt. On XX/XX/XXXX, XXXX XXXX XXXX, XXXX filed a non-judicial foreclosure action against me to dispossess me of my personal private property without a legal right to do so. 

In XX/XX/XXXX, I filed an FDCPA claim against XXXX XXXX XXXX, XXXX and their employees for the illegally filed non-judicial foreclosure action. On XX/XX/XXXX, the United States Court of Appeals for the Fourth Circuit, Appeal  Number XXXX, determined that XXXX XXXX XXXX, XXXX and its employees were " debt collectors. '' In the XX/XX/XXXX opinion it states " In sum, we hold that ____ complaint adequately alleges that the XXXX XXXX and the Substitute Trustees were debt collectors and that their actions in pursuing foreclosure constituted a step in collecting debt and thus debt collection activity that is regulated by the FDCPA. '' On XX/XX/XXXX, in a later Memorandum and Order the judge stated I sufficiently stated a claim under 15 USC 1692g ( b ). The judge is now stating the XXXX XXXX and substitute trustees never verified and validated the alleged debt back in XX/XX/XXXX and had no lawful nor legal right to file the non-judicial foreclosure action without verifying and validating the alleged debt.
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. (NC)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' si
te www.equifaxsecurity2017.com. They have put myself and millions of
others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Consumer complaint received 2017-09-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

ON XXXX PHEAA/AES determined they made a mistake and the loans they have are in fact not mine. SEE attached transcript of live chat conversation with AES XXXX, and screenshot of them confirming they were not my original lenders. 
I have told them I paid my loans off years ago. AES/PHEAA confirmed they were not my original loan lenders, and never had my loans. But they refuse to : 1 ) return my payments/money they collected XX/XX/XXXX-XX/XX/XXXX 2 ). NOTIFY Direct Loans/USDEPT OF ED default resolution/immed cr. recovery collection agency that these are not my loans so they can return my {$8000.00} they seized from me. 
3. ) REFUSE TO NOTIFY/UPDATE NEGAATIVE credit reporting on me. 
4 ) REFUSE TO remove my name off these loans. 
5 ) UPDATE NSLD WEBSITE I am a female XXXX XXXX vet, and they have my money, and continue to cause me extreme unnecessary financial hardship by refusing to do their jobs, and get my name off these loans they know are not mine, notify the lender they sold the loans to, return my money, or update my credit report. knowing all this. 

please help me. 
XXXX XXXX
Consumer complaint received 2017-09-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (VA)

I have disputed this with AFNI twice and two other companies in the past. This is an incorrect charge and I have made payments to clear the old balance from XX/XX/XXXX. The original balance when the account was closed was {$410.00} on XX/XX/XXXX. I made payments to pay it off to the actual account owner XXXX. They came back in XX/XX/XXXX charging new charges and an account acceleration fee after the account had been closed for almost 3 months. I had the account for 6 years in good standing and I had made the contract dates and I was not under any contract when I closed the account. The account was closed in XX/XX/XXXX and a bill from XX/XX/XXXX with new charges after account had been closed for three months is fraud, which was sent to me. Because, I have had this removed several times since the beginning of XX/XX/XXXX,  XXXX keeps changing collections companies and tries to go after me for new amounts and new starting and ending dates, which is also against the law.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

Equfax security breach of my credit and millions of others. I am trying to place a freeze on my credit and you can not get through to these idiots. I have called the newly established 800 number and finally got though. He gave me the number of XXXX to call to place a freeze. 

I called the number and finally got through to an automated answering service, got through the menu and then when it transferred me to a live operator, I got a busy signal and no way out but to hang up and start over which I did. This time when it transferred me to a live person, I then got the message that it was not a working number. It 's their menu and their system and they are transferring me to a non working number? 

So I have now made three attempts to call the original XXXX number and ca n't get through. The phone gets answered. Then the music plays while I 'm on hold. Then the music stops and the line is dead. I hang up and try again. And again, and again, and again and you get the picture! 

I am livid! I go out of my way to protect my identity and my credit and these bozos allow my information to be stolen and now I can not get through to them to freeze my credit. I am XXXX.
Consumer complaint received 2017-09-11
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. (OH)

I believe I was affected by the data breach impacting Equifax consumers between XXXX and XXXX XXXX. I have been unable to get confirmation from Equifax directly, as their call centers and data centers are understandably under heavy strain ( unable to get through on phone, and impact assessment page gives no answer ). 

However, since the breach was reported, I have been receiving a disproportionate number of calls to my personal phone -- multiple per day, sometimes per hour. It 's as close to correlation as I can get, for the moment. I 've already placed a 90 day fraud alert with all three agencies, so this report is just following through with the formality.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

On XXXX XXXX, Equifax announce that 143 million Americans have had their information stolen during a cyber-attack which occurred in XXXX. Equifax reportedly discovered the breach on XXXX XXXX, over a month after it happened and waited until the XXXX of XXXX to inform the public. However, they have still not informed those affected. Equifax created a website where individuals can enter their name and SSN to see if they were affected. However, the websites reportedly generates random results and an incorrect SSN and name pairing still results in a response. 

Equifax should face severe repercussions for their mishandling of the American people 's sensitive information, the utter lack of timely communication, and the misleading and inaccurate responses they are giving through the new website.
Consumer complaint received 2017-09-12
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Veripro Solutions Inc. (FL)

Company is trying to collect a debt which is barred by the Florida Statute of Limitations. Payment on the note was due in XX/XX/XXXX.More than 5 years have passed since default and collection/payment is barred from collection activity at this time.This is a clear violation of FDCPA