davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (SD)

Since I have started repayment on my parent plus loans for my children, I have had to call in monthly as something is always wrong. I could be all say they are repayment except one when I have asked for them to all be repayment, eft money has been taken out on a different date with out my knowledge or consent, online statement and loan information does not match or reflect a true payment amount or posting timeframe or amount. They tell me they will fix something and they do not fix it in a timely manner causing me to call back. I no longer trust the business or the rep that I am talking to. I have never had a month of satisfaction yet. Before I heard the news about being sued I had already started researching how to pull these out of this serving company. I would like to be able to take this to my local trustworthy bank.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I recently pulled my credit report and noticed navient reported that I was more the 90+ late on my loans. I was attending school at the time and requested forbearance.I consulted with representative and made an arrange. Upon paying off my loan, I was that my account would show " paid in full '', however ; that is not what is stated on my credit. The information is under collection 90+ days and it displays as charged off. I request that navient be removed from my credit report under collections and replaced with " paid in full. '' Navient staff frequently send me to other reports and never resolve my concerns, they also always lose documentation provided. I was also told that I would be a fixed interest rate and was offered several of rates depending upon a higher monthly loan payment or full payment pay out. This was the reason why I decided to make large payments and close out my account as soon as possible.
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. (CA)

Based on all the news about the lawsuits against Navient, I 'd thought I 'd make a formal complaint that seems to be in line with the lawsuits. I 'm actually speaking on behalf of my wife, but I 've thought for years the way Navient collects and distributes my wife 's payments to her loans has been suspect. I believe they have falsely or deliberately delayed the payment we sent a day later in order to accrue an extra day 's worth of interest when I send two payments on the same day ( one payment being for what is owed via the IBR plan and additional payment to decrease the principal ), they never both hit the loan on the same day. I 'm sure there 's other issues I 'm missing too, but we have been trying to pay more than what the plan calls for to try to pay off the loan faster, and it never seems to make any dent in the total loan amount. This would most definitely be the case if Navient is indeed trying to swindle us and not credit our payments to them in timely and ethical matter.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NC)

Upon graduation, I contacted Navient on the repayment on my student loan. They told me that I no longer qualified for the 6 month grace period since I already used it the year before when I had to take off XXXX semester due to moving out of state with my husband who is in the XXXX XXXX. My college told me that I should still be eligible for a 6 month repayment grace period directly after graduation. I also contact Navient to ask them to lower my monthly payments since I was expecting to have a 6 month grace period and I was still looking for full time employment. They were very rude and said that they could not help me as there was nothing they could do and hung up on me.
Consumer complaint received 2015-08-22
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (GA)

I hope this is not too long ago, but I am sure Chase Home Finance has not changed their policy in handling customer complaints. In 2010 we applied to XXXX XXXX to refinance not only a mortgage with Chase but also a credit card and a XXXX land loan. However XXXX XXXX discovered a problem with the Title on our property. In order to fix it documents were needed from Chase. The initial request for those documents was sent to Chase on XXXX XXXX, 2010. Despite multiple requests from our Attorney, from the XXXX XXXX and from us, CHASE simply would not respond at all. It was not until XX/XX/XXXX that we finally got Chase 's attention and even then it was 21 days later before we received the needed documents. This caused us to totally miss our deadline for the new loan, incurring costs for new Appraisal, additional Closing costs and lost interest savings. Attached is a letter that explains it better and details the loss which I calculated to be {$2600.00}. I hope this is not too late to get this remedied. If nothing else you should check Chase 's compliance on handling Customer Complaints. I checked " Applying for the loan '' below because it was during our application with XXXX XXXX, however our problem was not with XXXX XXXX, but with CHASE who would not cooperate with us when trying to payoff their loan.
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. (OH)

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XX/XX/XXXX/XX/XX/XXXX 2017, and they confirmed I could be affected on their website, 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. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
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. (GA)

Equifax did not have adequate data security to protect my personal information, as well as the personal information of 143 million other Americans. They further jeopardized our financial security by failing to inform us of the recent data breach, which occurred between XX/XX/XXXX and XX/XX/XXXX, until XX/XX/XXXX. Equifax enjoys an effective monopoly on credit reporting along with XXXX and XXXX but that should not be allowed to continue if they can not ensure the security of the sensitive data on the consumers they report on.
Consumer complaint received 2017-01-19
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Lender : Wells Fargo Home Mortgage Lender 's inappropriate actions prevented me from obtaining a HAMP loan modification ( XXXX ) Lender immediately sold my loan into an XXXX - ( XXXX ) Lender refused to comply with my qualified written request letter for a copy of the prospectus to the trust that supposedly holds my mortgage The loan may not lawfully be in the trust, legal requirements may not have been followed. The prospectus would be used to make that determination. 
Lender deliberately confuses and misleads claiming " permanent '' but " temporary '' loan modification. 
The permanent modification pertained to the 2nd mortgage, not to the first mortgage. Letter dated XXXX XXXX, XXXX from lender documented the home equity account ( 2nd mortgage ) permanently modified. 
I was a target of lender 's predatory lending as it relates to XXXX and XXXX customers ( ref : XXXX DOJ lawsuit and settlement ) Lender continues to show a claim for {$85.00} on monthly statement for inspection fee despite having settled a lawsuit pertaining to these fees ( ref : XXXX XXXX postcard notification ) Lender applied unpaid " interest '' dollars to the principal loan amount I filed a complaint against lender with the OCC and with the Federal Reserve Consumer Office My hardship circumstances remain ; I wish to receive the HAMP-like mortgage assistance for which I qualify WITHOUT having to deal with lender 's game-playing, so that I can remain in my home. I paid into the system throughout my 44 consecutive years in the workplace and view this as my retirement home. 
I have been making the required monthly interest-only payments, mailing each payment by certified mail in order to have documented evidence of delivery to lender I was named as a plaintiff in the amended complaint for XXXX Wells Fargo. However, I saw at their website that the FTC felt the lawsuit was a scam. I have detailed documentation of my contact with XXXX XXXX. I would like to be refunded the monies I paid to XXXX XXXX.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

Back in 2010 I was steered into forbearance by XXXX/Navient. I had XXXX loans for XXXX dollars each and interest rates of 13 % and 7 %. When I was out of forbearance, I called and asked how I can lower my exorbant interest rates, and the man in the phone told me there was nothing they can do. He told me I can go to another bank and take out a loan to cover the over XXXX dollars I owed just in those XXXX loans ( I had XXXX other large private loans at the time and multiple government loans ). These banks require collateral and would never loan a XXXX year old with over XXXX dollars of student debt, XXXX dollars. The man told me there was nothing I could do but pay the loans and I had to struggle through years of extremely high payments until I finally paid off the high interest loans completely. I still have over XXXX dollars in loans because I had to spend all of my savings and every single dollar I had so that I was n't paying over XXXX dollars a month in interest. I now live paycheck to paycheck still paying off the loans I still have with Navient. I make required payments every month, yet the balance never seems to go down. I feel as if they are not allocating my payments correctly which has been brought up by the lawsuit yesterday. I feel that Navient has taken advantage of me and cost me XXXX of dollars of interest that I should have not had to pay if they steered me in the right direction instead of telling me there was nothing I could do.
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. (IA)

in XXXX 2017 it was revealed that Equifax had been hacked almost six months prior to the date of the public revelation of the leak. My personal credit information was included within the leak, but I was not contact or made aware of this leak until long after the leak had occurred.
Consumer complaint received 2017-01-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America sent me this FRAUDULENT DOCUMENT : IRS form XXXX for XXXX. 
How do I know if is fraudulent? It is because Bank of America has not held my primary mortgage loan since XXXX XXXX, XXXX. 
See letters attached from BofA dated XXXX, XXXX, and from XXXX dated XXXX/XXXX/XXXX I never received any money from BofA, or any correspondence from them ever. I never was awarded any loan modification. I was never paid any refund or credit, nor notified of any overpayment of interest. 
The outstanding principal information on the form is not correct as recorded. 
I had applied to the Bank of America on XXXX XXXX, XXXX for mortgage assistance on loan # XXXX ... .. due to financial hardship. Instead of replying to my application, without warning, they sold my loan. 
On XXXX/XXXX/XXXX I called I called, four times, the customer service number on the letter XXXX and got the following explanations and responses : This amount was from a loan modification ( I responded " I did not get any loan modification '' ) The amount was missed on the XXXX tax statement ( my loan was sold in XXXX XXXX ) The amount reflected overpaid interest in XXXX The amount was missed on the XXXX tax statement XXXX received overpay It is a write off on taxes I requested that they send me XXXX and XXXX tax records I was transferred to the YEAR END DEPARTMENT ( XXXX ) in order to get an explanation on the tax form. I was told the following : something was mentioned about a " post modification bank '' I questioned what this was and was told it was about my loan modification I told them that I never got a loan modification and that my loan was sold XXXX XXXX. 
The person I spoke with said it was to my benefit, and was all good. And, that I just have to give the form to my accountant. 
I questioned this as the form represents income I never received. 
I went to the IRS website to research the form XXXX and saw that it represented a payment or credit. 
I made my FOURTH call to customer service and I talked to someone named XXXX who reviewed my earlier calls. She set up an inquiry and gave me a case number
Consumer complaint received 2017-01-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

TransUnion has failed to provide requested information regarding a Bankruptcy # XXXX listed on my credit report. I requested verification on who reported this Bankruptcy and have not received the requested information to date. It has been more than 30 days.
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. (PA)

I was one of the millions of people affected by the hack of Equifax, and after confirming that via their website, the only compensation offered was a single year of credit protection. This protection came with the caveat that I must submit to binding arbitration. I do n't believe their offer would genuinely help protect me from the potential harm of a data breach of this magnitude, and the fact that it was even possible is alarming.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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 2017-01-05
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (CA)

I paid off my CitiBank Visa in XXXX or XXXX. I do n't even have the card or a bill anymore to reference the account number! 
Today XXXX/XXXX/XXXX i received a letter that I owe {$120.00} + {$22.00} in interest and {$260.00} in fees with a total of {$400.00}. AND they are sndthe account to XXXX XXXX XXXX. Which I believe is a collection agency. 
I want to know how all of the sudden I get this bill after at least XXXXXXXX years of this account being paid off. Please Advise I am afraid this is going i ruin my credit.
Consumer complaint received 2017-01-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HW Holding, Inc (TX)

This debt showed up about an apartment I had over 2 years ago. When I called the company to ask for details they said this was for services rendered like trash removal and spraying for cat pee. This was a XXXX sq foot apartment. Even if it was full of stuff ( which it was not ) it could n't be that much. I did not have a cat in the apartment. When I ask why no communication was sent to me at my new apartment ( the apartment had new address as part of move out pw ) they said everything was sent to the address of my old apartment they were showing a debt for. I ask for paperwork proving this is my debt and I have yet to receive anything from them. I have done everything I can do to resolve it in good faith. This is just wrong. I was never given anything about this charge and now I cant get it off my credit report.
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. (OH)

I am one of those involved in the Equifax hack. My SSN and personal information is now comprised. I am worried that my information will now be used to open future lines of credit in my name without my knowledge which could potentially devastate my life as well as my family 's. 

I checked to see if I was involved on XXXX XXXX 2017 and was informed on Equifax 's website that I was affected. I signed up for an enrollment notification for 1 year credit monitoring. I have not signed up as of this complaint. 

I also contacted one of the credit bureaus and had a 90 day fraud alert put onto my credit. This was done on separate advice, not from Equifax.
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. (NY)

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 2017-09-09
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. (NH)

The Equifax credit reporting organization has allowed unknown persons access to my personal information that could be used to effectively destroy my life. They 've allowed access to my Social Security Number and much of my personally identifiable information that could be used to open fraudulent credit cards and bank loans that could destroy my credit ( also managed by Equifax ) which would make it impossible in the future to apply for loans that I would need such as for a newer vehicle. This is not even a service I want from Equifax but they have been given my information and have effectively distributed it. They 've potentially stolen and sold my identity ; a crime. Now I have to look over my shoulder every day to hopefully protect myself from invisible pickpockets and thieves.
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. (NY)

Equifax, who was given all of mine and every other American 's personal information, had improper security measures in place which allowed the release of over 100,000,000 people 's personal information. Information that can ruin people 's lives. It 's not even an opt-in service, but half of the entire country got screwed over anyway
Consumer complaint received 2016-10-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (WY)

I have submitted XXXX complaints to the CFPB, called MANY times, then I gathered all of the information I was told was necessary for the CFPB to review the Lies and crimes that Caliber Home Loans has been committing, and is CONTINUING to commit on my mortgage loan. I NEED a status update on the submission I MAILED to the address provided, to ensure the CFPB received and reviewed the information I mailed. Caliber does NOTHING but Lie, and Lie more. I mailed almost XXXX pages of proof of this. Please contact me with the status of what I mailed to CFPB.
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. (GA)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX 2017 that they confirmed I was potentially 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.