davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MS)

Our home was destroyed by Hurricane XXXX in XXXX 2005.Due to a Flood Determination error by our bank we had no flood ins. We have litigated this item and have received partial compensation. A Grant was given to us for $ XXXX to repair home, but XXXX demanded XXXX before they would release funds to repair home. As part of our compensation, the bank signed an agreement, Right to Modify, with us that gave us the right to request a rate change once our house was repaired. XXXX was our Mortgage Holder and we did request the rate change. They never answered it but sold our loan to XXXX. We requested XXXX XXXX to modify the interest on our loan. They never answered but sold our loan to XXXX XXXX, in XXXX. We contacted them to modify the interest rate. They did acknowledge our communication, but were more interested in refinancing our loan. We submitted XXXX applications for refi but they kept losing them. Finally, we told them that we were not going to make any more payments until the lived up to the agreement signed by XXXX. We also requested to see the original docs for our loan. At that point they no longer answered our calls or letters. That was 5 years ago. We did get threats to accelerate the loan and they did place us with a foreclosure mill attorney but we did abate that with a Bankruptcy Proceeding. They still have not addressed the agreement nor will they answer any questions about original note and mortgage. I have since contracted XXXX XXXX and I believe they are hoping I XXXX  and this will all go away. What should I do?
Consumer complaint received 2017-09-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

I was awarded XXXX on XXXX XXXX, XXXX. I received my back pay on XXXX XXXX, XXXX at which time I payed off the smaller of my two XXXX XXXX loans in the amount of {$8900.00} to Nelnet. I also payed a total of {$800.00} on my XXXX  student loan. I made these payments on the same day that I received my back pay in an effort to reduce my debt so I could live off my limited income. 
Approximately one month later, ( I 'm unsure of the exact date and ca n't seem to find the original notice ) I was notified in writing that I was eligible for discharge of my student loans and requested to complete the application, which I did. 
Nelnet services the discharge process, and at this point I have been approved for that. 
The problem is that they will not refund this payoff that I made out of my XXXX back pay because the state that any payments I made before they were aware of my eligibility are not refundable. They do n't use the date that the XXXX signed the XXXX approval or the date that I was notified. They are essentially keeping almost {$10000.00}, which is 1/3 of the back pay I received. I thought I was doing what was best because I  was not aware that XXXX recipients were eligible for discharge. It 's not something my attorney talked to me about as a possible outcome even though he was aware that I have a degree. 

I feel this is a very unfair practice by Nelnet and perhaps there are others who have had this happen and not been able to get anywhere with Nelnet on refunding that payment that would have been XXXX if I had not decided to pay it off to make my minimal monthly income stretch a bit farther. 
I have spoken to Nelnet on multiple occassions about this and they will not consider refunding my payments. I have not been able to find an attorney to work with me on a pro Bono basis so I am attempting this avenue.
Consumer complaint received 2017-09-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: State Collection Service, Inc. (AZ)

XXXX XXXX XXXX Hospital in XXXX XXXX Colorado flatly refused to submit a request for payment to XXXX, even though it was thoroughly explained it was set up as a secondary form of payment. Previously they have a debt that was paid by workmens compensation as still owed also. 
They were repeatedly told to take this matter to the XXXX county court if they wanted to prove their claim, and neglected to do so. 
State Collection in Wisconsin then made false claims about owing this debt, and was also informed about their " CLIENTS '', willful neglect to use the proper channels to answer why they neglect to submit payment to an authorized provider. and to take it to the proper court in Colorado, if they wanted to establish any claim, and they also neglected to obey the law, instead slandering me with their coconspirators XXXX and XXXX, whom willfully and knowingly post these slanderous statements, even though they were informed about this failing to follow the requirements of the Law.
Consumer complaint received 2017-09-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (IL)

To Whom it May Concern : I have been a customer of XXXX XXXX then Navient for about ten years. I have always made my monthly payments. This month ( XXXX ) was extremely hard on me financially. I called Navient and asked if I could have a forbearance just for XXXX. I will be able to pay XXXX. As stated before I have paid monthly since I acquired the loan. I was told there is a {$100.00} forbearance fee. My loan payment is about {$170.00} a month. If I ca n't afford {$170.00} why would I be able to pay {$100.00}. I have federal student loans and have never been charged a fee. They stated that this fee will be applied toward my loan. I do not have the monthly payment and I do not have {$100.00}. I find it unfortunate that a company that I have had a good relationship with for ten years is unwilling to Assist me.
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. (OH)

Equifax was grossly negligent in the security of consumer data that they collect without consumer 's consent. It is on them to ensure the security of that data. Unfortunately they do not properly ensure the security of the data and instead are able to profit by providing services to monitor for identity theft.
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. (AL)

Equifax improperly protected my most personal information and allowed it to be leaked to unknown parties which could negatively impact my finances. This potentially could cause difficulties and stress at a later date for me and my family. I have placed a 90 fraud alert on my account, however, after the 90 days, I would be unprotected and my information is still in unknown hands. After the 90 days, I am still at risk.
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. (CO)

Today is XX/XX/XXXX. It was reported that Equifax was hacked back in XXXX and lost close to 145 million people 's personal information, and they did not disclose this information until just recently on  XX/XX/XXXX. Equifax executive 's actions leading up to disclosing the hack of user information was criminal and dishonest - they dumped their company stock to reap financial gain on behalf of this terrible news. This is a perfect example of insider trading. I 've reached out to the company via phone but have not made any meaningful contact to determine if I was actually impacted by this hack. I 'm thoroughly outraged at Equifax actions and am worried about my personal information being stolen or provided to the public. I respectfully request serious action to be taken and that Equifax employees who acted immorally or against the law to be personally held liable for their actions. I am highly suspect of fraudulent behavior from Equifax.
Consumer complaint received 2017-11-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company (TX)

I paired the my balance in full to the company that I owed the money to. XXXX XXXX XXXX of XXXX XXXX address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX their phone number is ( XXXX ) XXXX Paided them in full a long time ago for XXXX dollars. The collection agency was supposed to not even send out a notice. They said they would tell the agency that it was paid in full & delete. As of XXXX XXXX this agency has added this XXXX to XXXX as unpaided. It was n't even on that one and  now it is added and as unpaid. They were supposed to delete not add anything as the balance was paid a long time ago and they went even supposed to even send out notice muchless submit as a collection. 
Updated collection XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN N/A UNPAID $ USD XXXX I used to have these guys number but do n't know where I put it, does n't matter anyways as every time I would contact them about this issue the number was n't working anyways. very shady. 

my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX email XXXXXXXXXXXX
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. (KY)

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 2017-09-12
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)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site 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. 
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Consumer complaint received 2017-09-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

About seven or eight years ago, possibly ten, I asked my lender XXXX XXXX to divide my loans into two groups : co-signed and uncosigned. This way, I could easily ensure that I would always make ( as much as I could ) the payments on the loans cosigned by family members. The grouping stayed the same when the loans became Navient. About a year ago, the website changed and the were no longer group but I kept paying on the ones I had been paying on because they were my cosigned loan. 

Today, when I was checking on remaining balances due to a push from my family to get those specific loans paid of to relieve the stress of the my cosigners, I discovered that one of the loans was not a co-signed loan. This means I 've paid almost 10K dollars over the last eight to ten years I did n't budget on paying for because my lender lied to me in how they grouped the loan.
This fraudulent customer service.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I have contacted Equifax several times over the past two to three months advising them that there were multiple requests for my credit file ( inquiries ) that I do not recognize or recall authorizing. Equifax has refused to remove the information ( inquires ) stating that it is a factual record. I have submitted written documentation requesting for these inquires to be investigated and Equifax again, refused to remove the information. I have notified Equifax that my information was compromised by a security breach from the federal government which was a previous employer and Equifax still refuse to remove the information. I have sent verification of my identity and requested in writing for this information to be removed and Equifax has refused to do so. I would like this information removed from my credit file.
Consumer complaint received 2017-09-11
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc. (CA)

Company contacted my cell repeatedly. Since I did not answer, they attempted to contact my managers at my work on X/XX/17 at XXXX XXXX. I 've told XXXX XXXX that he is not allowed to call my work and he says are you going to call me back then?
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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Approx XXXX I sent a dispute to Transunion about a XXXX on my credit report that I wanted them to investigate as not mine .They came back on XXXX with a verified as accurate. I sent another letter to them XXXX asking them to reinvestigate and verify the method of verification, and to use my name, address, social security number and birthdate. On XXXX they sent a letter to me, that they will investigate the dispute, by contacting the source, or hire a third party to check applicable local, state and federal court records to verify the accuracy and / or completeness of the information reported. 
That has been over a month with no new information from there last findings of the investigation.
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. (TX)

Please see attached document Requesting redisclosure of loan with end date of XXXX 2025. This should reduce monthly payment amount to compensate for Navient 's deletion of my paid ahead status. 

My primary stated complaint was as follows : I have responsibly paid ahead on my loans to build a financial cushion should circumstances, such as maternity leave, create a burden in which I may not be able to make the monthly payment amount. The purpose is to avoid forbearance or potential missed payments, which would negatively affect a borrowers credit score. Navients policy has communicated that any overpayments would be applied as paid ahead status, but now states that my paid ahead status has been erased, and my security against financial hardship has been eliminated as loan payments may not be temporarily suspended.
Navients response : As the interest rate changes, we disclose the loan to repay the loan within the remaining terms while maintaining the minimum required monthly payment. When your loan discloses due to an adjustment in interest rate, any months that you are paid ahead will be erased.
In comparing Navients response to the posted payment policy, erasing my paid ahead status because Navient has changed my interest rate is a deceptive practice with potential financial harm to a responsible borrower. I have been making overpayments for years, building my paid ahead status in case of future financial burden. Navient has erased the cushion I responsibly built. Additionally, Navient policy states that overpayment is applied to future payments unless expli
citly stated in written communication to apply the extra payment to the principle. Yet Navient does not inform a borrower in writing that they may erase this paid ahead status at anytime.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX -- - tried to use XXXX to access my credit reports. Both Transunion and XXXX could not complete the process on their websites. I have screencaps proving it. XXXX XXXX website prevented me from returning to XXXX XXXX interface and continuing my annual retrieval process. Going to XXXX, they forced me to allow them to send me unsolicited offers to get my free credit report and to allow their subsidiary XXXX XXXX to access my reports whenever ( in order to solicit ). I could not opt out on their website immediately, instead I have to contact them afterward ( I can not see what that contact process is like beforehand because it requires me to have an account to see how hard it will be to remove their unfettered access to my records. )
Consumer complaint received 2017-11-20
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Integrated Recovery Services (TN)

XXXX XXXX calls my workplace 6-7 times a day, in addition to my job they have contacted my ex-husband telling him of a debt that has absolutely nothing to do with him. Also, they have threatened my mother, spoke aggressively with her and threaten to have me arrested. My ex-husband should have NEVER been contacted.
Consumer complaint received 2017-09-11
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Law Offices of Crystal Moroney, P.C. (TN)

the guys name is XXXX XXXX. I have repeatedly numerous times asked hit to stop calling me this is a work number. But he refuses even going to great lengths contacting my family members and threatening me with jail or lawsuits. he calls about 20 times a week at all hours of the day. when i ask him to stop he claims he has the legal right to call me as often as he likes and the only way he will stop is when i pay him. i know nothing of this debt and it is from many years ago.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

Experian started a dispute in XX/XX/XXXX every time I called in for updates, they just added on additional information, that was totally inaccurate. 

In XX/XX/year> and XX/XX/year> XX/XX/year> and XX/XX/year> Experian continue to sent alerts stating the inaccurate information has been updated. And the dispute is complete. 
Per 15USC 1681 ( e ) b all information must be accurate. And I as the consumer has the right to dispute inaccurate. 
For Experian to send false reports stating the investigation is complete and then post the same inaccurate information. Is against this law. They also violated 15 USC 1681 ( I ) they never investigated. They also added a FCRA as my consumer statement which is inaccurate. 
I spoke to a person named XXXX. Today she gave me a report number XXXX And stated she cant remove information that is accurate. But saw every inaccurate item as listed in the letter as me but just changed around to reflect a closed account but still listed. In addition I have attatched a letter from XXXXXXXX XXXX.. whom you may have on file, asking me to send info so I ( the consumer ) can verify who I am before giving me information they ( XXXX XXXX ) allegedly has in file about me. That they are disclosing to the credit bureau. I did send information. They never acknowledged this. In the past they have sent me a letter stating they had no information in file for me. Then how can you provide information when you dont know who I am. I have attached pages and pages of my report. 

Per 15USC 1861 ( e ) b please remove the following inaccurate information I have listed in the attached letter it has been over 5 months.