davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MD)

I have a several private loans that I procured and when I lost my job I was unable to pay them in a timely fashion. I had co signors for these loans. I have since started working and I started to make small payments on getting these handled. I am currently working through Navient. I was unable to make the payments for a while so I was not able to make the payments. I got a call last month stating that the only payment options would be gettting a loan to pay {$11000.00}. This would remove the co signors from my loan. I told them that I am not able to pay that amount all at once. They suggested borrowing money, asking for a loan or using a credit card. I told them that with my credit history due to my defaulting on loans. It was not an option They gave me another option to pay {$35000.00} and the amount would be settled. Again, I do not have access to this money. They say they will reach out to my co signors and ask them for the money. I told them, I understand that I asked for a loan and that I have a co signor but they are not in the position to help and I want to take full responsibility to clear this up. I do not want them to harass my co signors. I also want them to be able to understand that i want to make a payment plan that is affordable for me. The last option was to pay a down payment of {$2500.00} and then pay $ XXXX/month. None of these options are financially viable for me. I am renting a room, i pay child support and I have other obligations that I am paying. I would have no money to eat or live if i were to accept this. Because these are private loans I have no option to consolidate these loans with my other Fed Loans ( which are currently being worked on and has been an easy process so far ) I feel like i was taken advantage of when i was younger and unaware of the credit implications later on down the road. I want to make these payments but they are not working with me. I do not know what to do.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern : I have attempted multiple times with the credit bureaus to correct the spelling of my name and my address but unsuccessfully so.They have also been actively adding an old addresses that I am NO LONGER associated with especially Transunion. All my Old Addresses are on my report as Current, that should NOT be.I ca n't update my address on XXXX XXXX because Transunion, I get a message that says Transunion has my address as the such. My job is reported without my knowledge as well. Please remove it. I do not want any reporting of my place of work current or previous to on my accts. Please remove them. 

I now asking for the CFPB to assist me with getting this taken care of once and for all. 

My Legal name and how I address and sign myself & name on all Legal documents are as such. 

XXXX XXXX XXXX XXXX has my name spelled incorrectly ( XXXX XXXX XXXX ) and it does n't matter how many times I call and give the correct information it, I am told that it will be updated but it NEVER happens. 

My Current Address and the ONLY one that should be on my Credit Report as as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please I am asking you to help me get this corrected.
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. (MA)

Equifax is hacked, but at the same time said my info " might have been '' hacked. They should either give me an 100 % sure answer, or not to give me an answer.
Consumer complaint received 2016-06-27
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

a representative by the name of XXXX repeatedly calls from a company called " XXXX '' saying they received a complaint of XXXX allegations to be filed against me. They say their company is actively pursuing me at my place of employment and residence. 

They call my cell # XXXX and XXXX
Consumer complaint received 2024-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (OK)

I changed insurance companies in XXXX. I went XXXX per year to XXXX. Shellpoint Mortage will not change my payment. I have contacted them 8 times. The say they are going to take care of it. In addition they said the paid my insurance but XXXX has no record. I am behind XXXX payments. I have offered to pay XXXX payment. But I am having trouble making the payment because I am making the house insurance payment because they were going to cancel. Please help me
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

I was hired by a company with a US office in New York and the home office in XXXX as a Purchasing Manager. I bought gift cards from local merchants and sent the to XXXX. The company purchased them from me by routing payments to my credit card. 
Now the gift cards are empty and the company is taking the payments back through XXXX in NY. I 'm now out {$42000.00} on one card and {$72000.00} on the second.
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. (CA)

In early XX/XX/XXXX [ 1 ], it has been reported that over 143 million customers ' information were improperly handled released by Equifax to hackers due to improper security steps taken to protect the information. 

Through checking the website provided by Equifax XXXX https : //www.equifaxsecurity2017.com/XXXX XXXX see if I was one of the affected, I was notified that I may be affected by this incident.
The Equifax website ( linked above ) indicated they are able to provide 1 year of identity theft protection, however, I feel that this large amount of information leaked about me will have lasting effects throughout the rest of my life. Also, according to this website, I can not even activate protection until later in September.
There is absolutely zero indication the recipients of this information will simply give up using this information after 1 year.
References : [ 1 ] http : //money.cnn.com/2017/09/08/technology/equifax-hack-qa/index.html? iid=EL
Consumer complaint received 2017-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CORELOGIC INC (GA)

I understand that companies can obtain results of credit, criminal and background check instantly with the applicant 's permission. However, when there is incorrect reporting causing the applicant adverse effects they in return must wait up 30-45 days for a decision or correction by companies equipped to respond sooner than the specified time or 30-45 days, what is the reasoning behind this concept? In the age of technology when most companies are tech savvy or have their daily functions automated with various template options why does it take the consumer to whom the report is about longer than the 3rd party for a solution? 

With regards to the dispute of an incorrect item being reported, why are companies allowed to dissect the protected rights of the consumer applicant? According to the FCRA upon a dispute of an incorrect item, this account line must be removed until a decision is rendered to be accurate or inaccurate, however, that is not whats happening. In fact, what is being stated is that it will remain on the report but no adverse action will take effect until the investigation is complete? If companies are allowed to render their own interpretation of the law, how do I remove my credit history and opt out of credit reporting all together? The law is supposed to be a protection for both parties and in fact, it has taken a favorable tilt, rather deep dip towards corporations. There is no fairness in that. 

Companies must be penalized for reporting inaccurately and the severity should be weighed on the duration of time it takes for companies to accurately correct or report appropriately ; just as a consumer is penalized for not honoring their end of the agreement. Both sides should equally be held accountable equally.
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)

Today is XXXX/XXXX/2017, Equifax has just had a massive data breach affecting most people with credit, even though they did not choose to have their information stored by Equifax. 

Anecdotal reports indicate that whether the website will tell you if you were affected or not is randomly generated and they are using their own security negligence to push more paid services on the consumer. 

I find it unsettling that most companies offer 2 factor authentication for free to protect your information but credit reporting agencies do not and will even charge money for monitoring. 

This data breach can affect anyone involved many years later and the company should offer free monitoring for at least 7 years to anyone affected. They should not be trying to profit off of a breach that their own negligence has caused.
Consumer complaint received 2017-09-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (TX)

I went to XXXX in a time of need searching for a car. I was sold a XXXX XXXX XXXX XXXX XXXX with a selling price of XXXX which is was over the value but doable. After a year of constant on-time payments I figured it was time for me to refinance, wrong! I was told by numerous banks that they were unable to lower my payments due to the value and age of the vehicle vs. the amount owed on it. I was confused. Somehow I ended up being financed more than needed and owed a total of XXXX after a year which apparently came down from XXXX. I was in a shock. I feel like I was taken advantage of being a young kid in need of a car. I even asked the lender if I was able to trade in my vehicle for something with lower miles due to being affected by hurricane Harvey I am now back and forth between XXXX and XXXX they replied, " If your balance is XXXX or lower. '' I asked was a able to re-negotiate my contract that was a no. I tried every way possible to remedy this situation it is impossible, especially with no help from the lender or dealership. I do not recommend doing business with them, they are not for the customer.
Consumer complaint received 2017-11-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NJ)

XXXX Student Loan From what my account is showing is that interest should be accrued at a variable rate of 7.42 %. I have realized that interest is actually being accrued daily at a rate of 7.43 %. 

I have had an accountant look at the loan and the accrued interest is not what they are tell me the rate is.
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. (CA)

Hi, I 'd like to file a complaint against Equifax and their handling of the hack that occurred the last few months between XX/XX/XXXX - XX/XX/XXXX. Equifax did not immediately contact customers letting them know their personal information is subject to the hack. I find this unethical. Equifax should provide free credit monitoring and provide a free security freeze to victims of the attack. They have n't been transparent about this and I believe the company should get shut down due to their unethical behaviors and handling of the XX/XX/XXXXhack that breached 150+ million " customers. '' I do n't appreciate that a third party company has my social security number, address, phone number, etc. I do n't elect to give them this information. There should be a better way to verify identities when creating credit cards in the US. I hope this hack creates different legislation going forward in the US. I have contacted my Senator in  California and will continue to voice my opinion on the handling of the Equifax hack. The company deserves what it has coming to them.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (VA)

I have been on the Income Based plan for years but my monthly bill continues to rise. I appreciate having the ability to pay less but if you get the slightest raise, they increase your payment! I do n't see how this type of plan will ever help someone like me pay the loans back and be able to live. I have a mortgage, monthly bills, health care, car notes, etc. They do n't seem to care that you have to live! I have tried multiple times to get my payments lower but despite my efforts, they require your taxes every year to make sure you do n't make more money. It is n't fair. The plan should at least allow a XXXX year guarantee of the payments you have before requesting to see your income again. That would be the only way you can ever get ahead! I have always paid and I intend to continue but we need a break and Navient needs to work with us to help make it easier to pay the loans back!
Consumer complaint received 2016-10-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rent Recovery Solutions (OH)

I applied for an apartment at XXXX XX/XX/2016. After being approved for the apartment, I decline the apartment offer. I paid them the application fees which are non-refundable. This week, I received a letter from a collection agency stating they have placed an eviction notice on my credit account and is suing me for {$3600.00} for an apartment that I never stayed in or even rented. They do not have a lease in my name NOR have I never signed one. I never lived in this apartment complex, only completed an application. They even tried to garnish my wages. How can I be garnished if there is no court date? This is unlawful and I want my this off my credit. I have spent days trying to clear up something that is not mines. I try contacting the apartment complex and this debt collector and no one is doing anything. This needs to be rectified immediately.
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. (TX)

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. I 've already spent money purchasing additional Credit Monitoring services as well as Identity Protection services. 

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. (GA)

Equifax told me that they " may '' have shared my social security number, information and financial and credit information with an unauthorized private individual due to their lack of proper security measures. My credit is now compromised as well as my private personal information. I have also started to have hundreds of dollars of unauthorized uses hitting my credit cards requiring me to cancel credit cards and go through repeated attempts at trying to challenge a large number of charges, having my financial stability put in jeopardy and my credit negatively impacted.
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. (MN)

XXXX of XXXX through XXXX XXXX Kept breach a secret for months that allowed the hackers a head start on using the information gained. 

equifax system breach. Allowed access to my personal information that could/will cause problem for the rest of my life.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2016-10-25
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi, I am unable to get the FICO credit score.When I am trying to get the credit report, I am getting error message like they are unable to match the information I provided with the credit information database.I am sure that I am providing the correct details.Could you help me to find out what information is wrong on my records and how to correct that information.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

After the newest social security breach I checked my three credit bureaus to confirm my safe status. Transunion credit report showed a hard credit report inquiry on XX/XX/year> from XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX and phone number XXXX. I talked at length with Transunion credit Bureau and they confirmed the hard inquiry and suggested I report to FTC. My inquiry led to you due to this being a credit report type of issue. I tried the phone number for XXXX and learned they have no outbound calling. I attempted to send an email to discover no such email address exists. When I tried to verify the company in my computer it warned me this site was unsafe. As I was informed by the credit bureau when a credit report inquiry occurs it cant easily be removed. The substantial data shared in a hard inquiry is available now to a company Ive never heard of, have an my business or affiliation to. I have no idea how my data is being used or how to protect my future. I am hopeful the company can be discovered for resolution.
Consumer complaint received 2017-09-09
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. (NC)

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.