davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I have a mortgage that is being serviced by Bayview loan servicing. I am not late, or behind on payments, but every month they start calling about the payment. Today is X/X/2017. The payment is not considered late until after XX/XX/XXXX, and I mailed them a check last week, so it will get there way before XX/XX/XXXX. So far today they have called me 7 times from 3 different phone numbers, and it is only XXXX XXXX. They are harassing me, and I am sick of it. The calls start early in the morning, and continue throughout the day. They are acting like I am in default, and I am not. My payment has been made every month, but they do this to me every month, and I have been paying on this loan for over ten years. They really know how to XXXX XXXX a good customer. I would refinance, but the loan has very good terms. ( They did not originate it. They took it over from XXXX ) I want them to stop calling me like this, and I told them so. The calls only increased after that. These calls are causing me stress, and anger. I do n't think they should be able to call and harass me like this when I am not late on my payments to them.
Consumer complaint received 2017-03-08
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC. (AZ)

I wrote to Ally Bank on XXXX XXXX to provide me account verification letter. Made few follows ups by email and chat. Since last 3 days - i have made four phone calls. In all spent close to 3.5 hours for this but have got nothing from them except plain assurances. Today morning - i was told that i will be getting it within 3 hours. nothing happened. Then called them during evening - they said may be tomorrow. Good amount of hold/wait time and inconvenience. I know ally is web bank - but these kind of stuff - it 's very difficult to deal with this bank. Has it been any bank with branch-this could be done in less than 30 minutes.
Consumer complaint received 2017-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Total Card, Inc. (GA)

I have been dealing with an Ongoing Error In Payment History Reporting with Total Visa listed as XXXX XXXX XXXX XXXX XXXX on my XXXX and XXXX Credit Report. On my XXXX and XXXX Credit Reports, my account is showing an erroneous 30 Day Late Payment now in XX/XX/XXXX. However, there were no late payments in XX/XX/XXXX at all. Prior to the company 's last update in XX/XX/XXXX the listing was showing correct with zero late payments listed at all. The error was resubmitted when they did their last update and added a 30 Day late payment in XX/XX/XXXX. As of XX/XX/XXXX when they attempted a force update to correct the error, they changed the 30 Day late payment from XX/XX/XXXX to XX/XX/XXXX on both XXXX and XXXX. Although they keep making these errors they insist on me sending them copies of the errors that they have made to my report which I have done although they have the ability to do a soft inquiry which does not affect my credit score to look at what they are reporting. I have spoken with numerous Customer Service Representatives, Managers, and Supervisors from this company. The last Supervisor that I spoke with was XXXX XXXX on XX/XX/XXXX requested me to forward the emails that I had originally sent to the company 's main email address of XXXXXXXXXXXX to his email of XXXXXXXXXXXX. I did and he advised that he would get the issue corrected. However, as of whatever he or a company representative did I am now showing an erroneous 30 Day Late Payment in XX/XX/XXXX as of their update on XX/XX/XXXX. I attempted to contact XXXX on the telephone number that he provided and it advised that the number could n't take calls. I then emailed him again on XX/XX/XXXX and have yet to receive any response. I am tired of dealing with this issue as it is negatively impacting me, my credit score, and credit reporting as the company has a duty and obligation to report accurate information an in every instance that I make them aware they are reporting an error they have acted as if it is not a big deal. This issue was also causing me to be denied for a credit limit increase but as of last month I finally received my first credit limit increase. I have notified the company of this error multiple times via email on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Whenever the issue is corrected, they make the same error all over again and take me through the same process. I am in the process of purchasing a home which makes this worse and urgent.
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. (NV)

I recently filled my Yearly Credit Report with Equifax, on XX/XX/XXXX. Then today, XX/XX/XXXX, I found out about the recent sqeuirty breach of their servers. I went to https : //www.equifaxsecurity2017.com/potential-impact/ to see if my info was impacted, It was. So I went to XXXX to place a 90 day account watch on my info, which is to be shared with the other major credit report bureaus, Equifax included. I believe they failed there responsibilities on their end by allowing this security breach, as the are required to collect and monitor my information by law.
Consumer complaint received 2016-06-26
Product: Credit card — 
Issue: Billing statement — 
Company: BARCLAYS BANK DELAWARE (NY)

My Barclasys JetBlue credit card is not counting credits ( returns ) that came in after statement closed but before payment for that statement is due against the total balance that is due. Every other bank and credit card that I have used ( all major banks and credit cards ) count the credit toward the current balance due. I feel like this is a bigger issue where they could be hitting customers with XXXX and needs to be addressed by the bank.
Consumer complaint received 2016-07-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2016-12-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Beginning XX/XX/XXXX, I needed to get a vehicle using my credit. To my shock I kept being told that my score was extremely low. I was n't shocked that it was low because I typically always pay with cash. I begin to look at my report and they are riddled with information that is NOT mine. I began to send via fax and call on the telephone reporting these inaccuracies on my reports. At the same time, I began to research the FCRA at length, and I am appalled of the items on my report and how they got there..I can not tell you the number of times I have called XXXX, Transunion and XXXX . I have had some things removed but these bureaus are not following the law regarding removing items that are not physically verified. There is no original documentation of these debts proving to be mine. No signature or ID..Repeatedly I have disputed the SAME items, and they remain a part of my credit file. These Credit Bureaus blatantly and defiantly break the law and I am suffering because of it. My score NEVER reflects the deletions. For example, recently XXXX Judgements were removed and my score stayed the same. It is a travesty that I am being punished for debts that were NEVER mine buy agencies that are supposed to have clear accurate information.. 


Thank you for your consideration and prompt action in this matter. 

XXXX XXXX XXXX
Consumer complaint received 2017-09-08
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. (LA)

Equifax announced a security breach of some of their databases resulting in millions of people having their information made public. On X/X/17, I went to the website they provided ( equifaxsecurity2017.com ) to determine if I was affected. Upon entering the last six digits of my social security number and my last name, I was informed that my information could be compromised. I clicked on a button to enroll in one year of free credit fraud monitoring with XXXX XXXX XXXX and was given a date to enroll ( X/XX/17 ). 

I found out later that by enrolling in their program, I would be eschewing my right to sue Equifax or be part of a class action lawsuit against them as part of this security breach. I was not provided an opportunity to consent to this explicitly. 

I am incredibly disappointed in Equifax for their lax security as well as their response to the issue.
Consumer complaint received 2017-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NE)

I filed a complaint about my brothers addresses showing up on my experian report and they refused to take them off. I provided my ssn, address, government photo Id, and a copy of the report with the addresses shown in highlighter. I mailed the letter certified with a receipt and made copies of the letter that was sent to them as proof. I informed the reporting agency that this was n't up to the standard for the fair credit reporting act and they still violated it.
Consumer complaint received 2017-09-08
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. (FL)

Equifax Inc. said its systems were struck by a cyberattack from midXX/XX/XXXX2017 that may have affected about 143 million U.S. customers of the credit reporting agency. Information accessed includes names, Social Security numbers, birth dates, addresses, drivers license numbers, credit card numbers, and accessed dispute documents with personal identifying information. 

Equifax Inc. has just now announced this to the public. More than a month after potential unauthorized access to the information stolen. The company has done nothing to personally alert me about the incident and has not done anything to further protect my information or identity. 

I have issued a temporary alert on my credit report to deter any unauthorized access or use of my information, however this is not remotely a foolproof way of protection my identity or my credit.
Consumer complaint received 2017-08-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Big Picture Loans, LLC (NC)

I called the company before XX/XX/XXXX to set up to payoff my loan of XXXX on XX/XX/XXXX. After I set this up, I was told that as a courtesy, I could skip the upcoming payment of XXXX that was scheduled on XX/XX/XXXX. I later changed my mind, and did not pay off the entire loan, so after they skipped the one payment on XX/XX/XXXX,, they told me my loan was '' delinquent ''. They did not explain that I would have to catch up that payment before I could put any other amount towards the principle of the loan. I requested that XXXX be put towards the principle with my payment on XX/XX/XXXX, and the agent on the phone accepted that payment amount. For the XX/XX/XXXX payment, they only charged the minimum to my account ( without adding the extra XXXX towards my principle ) stating that this was because I was in default. This is a way to get more interest on this already ridiculously expensive loan. I have done business with them several times before, but recently, they have changed their entire format, and have started doing things like this to get more interest from consumers.
Consumer complaint received 2017-09-08
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. (WA)

I was one of the 143 Million Americans whose personal data was compromised in the Equifax hack on X/XX/17. I did not opt into an Equifax service, they had my personal data as part of their credit reporting duties. They did not properly secure this highly sensitive data, including but not limited to my SSN, and as such I am now at risk. Their tools and services provided to me in recompense are not satisfactory. In fact, their company profits from offering my credit monitoring services. There has also been news of insider trading, that top executives sold their stock before the news broke to the public.
Consumer complaint received 2017-08-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (IL)

I recently purchased 2 items from XXXX using PayPal on XX/XX/2017 for the amount of XXXX. I noticed today XX/XX/2017 that my XXXX checking account was overdrawn due to the transaction. The descrepency being, when using PayPal as a payment method, my PayPal preferences are set both online and in store to draw from my preferred account, in this case, PayPal Credit. It did not, and instead my bank account was charged and lead to an overdraft. I had spoken to XXXX, very helpful and they directed me to contact PayPal, I immediately did so and they would not take my claim seriously, lied about their own policies, which are visible on their own website and it will draw from a checking account, only if there is no preference set for payment otherwise, which was and still is PayPal Credit. At the time there was sufficient credit line, and should have been utilized. They were very unhelpful and condescending.
Consumer complaint received 2017-04-03
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

my current payment is just under XXXX $ a month ... this is an insane amount and unreasonable to expect me to be able to pay this, especially when you factor in my XXXX a month payments to my federal loan. When I called to try and resolve this I was basically told I can not change it since I have XXXX co-signers and with their incomes factored in I should be about to afford this. This makes no sense to me.. this is setting me up to fail. How is it fair to factor in my cosigners monthly income when factoring whether I can afford to pay. A cosginer is supposed to be a fallback when I can not affford the monthly payment .. with a monthly payment of XXXX $ I will NEVER be able to afford this. Meaning it ALL falls on my cosigners. WHY cant they come up with a payment based on MY salary and MINE alone. So that JUST MAYBE I could actually afford to pay this?
Consumer complaint received 2023-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (KY)

Nelnet bought my student loans during the pandemic. Without my permission, they created an account without any contact information attached to it. I can not access this account to submit an IDR application. I can not see if there are any errors in how they are calculating my payment. I have called numerous times without ever getting to speak to anyone. I sent an email on the company website that included up to date contact information and asked for access to the account they created without my permission or ability to access it. The email was ignored.
Consumer complaint received 2016-05-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (TX)

Loan had been in XXXX related Deferment on a yearly basis. Navient requires yearly renewal paperwork from my XXXX office. This was submitted to Navient via fax on XXXX/XXXX/XXXX. Began receiving phone calls from Navient regarding my loan in late XXXX. The phone calls stated that my loan was in repayment status and that payments were past due. Once I explained that I had submitted the Deferment paperwork I was told that it was not on record. While on the phone they looked through my file and found my paperwork. Two weeks later began receiving phone calls again. I was told that the paperwork on file was not sufficient and would need a conference call with my XXXX. Once I was able to arrange this I called Navient back, The then stated that this was incorrect and that my loan was no longer eligible for Deferment. They stated that it had exceeded the allowed Deferment time period. I asked for a copy of my promissory note. I was told that it would take 30 days to get the promissory note to me and until then my loan was in danger of defaulting. I was told that in order to prevent it from defaulting while I waited for the promissory note I would need to make a payment.. This was in XXXX XXXX and I paid them approx. {$500.00}. In the beginning of XXXX I spoke with a different advisor at Navient who said the initial person in XXXX was incorrect and that I had one more month available of Deferment. I was instructed that I needed to submit additional paperwork and that this would be mailed to me. I continued to receive multiple daily phone calls and when able to answer I was told that it was in fact in the mail on it 's way to me. After 3 weeks I called again and expressed my concern that I had not received it. They then emailed it to me XXXX. I had it completed and faxed to them XXXX. 2 weeks later I received a notification that my loan had defaulted. Once I tried to explain the situation with multiple different levels of individuals I was told there was nothing I could do. The only thing I could do was pay the past due balance which I was told had started XXXX, XXXX before I would be able to make a settlement. I have tried to reach the XXXX via email and phone with voicemails multiple times for the past 3 months with no response. There are multiple missed payment flags as well as the defaulted loan on my credit report. These are having a substantial negative impact on my credit score which is affecting me drastically.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My transunion report shows a 30-day late payment for in XX/XX/XXXX my student loan serviced by XXXX XXXX in conjunction with XXXX XXXX University. XXXX XXXX was the direct servicer prior to that. When they entered the agreement with XXXX they released all auto-pay features and provided minimal details on how to make our payments to the new servicer or showed when they were do. The transfer of service occurred starting with the XX/XX/XXXX payment. Moreover, I still managed to make the XX/XX/XXXX payment in a timely manner, and in fact was charged twice. If it was for the XX/XX/XXXX payment, then that was because the new servicer had never alerted me, nor had either provided a means of access to the account. They made it an absolute pain in the behind to arrange a new auto-debit. Just look at my payment history, XX/XX/XXXX was  never late. The missing payment there happened during my 60-day service transfer window mandated by federal law.
Thanks
Consumer complaint received 2017-08-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Credit Service, Inc. (TX)

I received a letter from ARA Inc. ( a dept collection company ) on X/X/2017 informing me that they were the legal owner of a dept I owed from more than 20 years ago. I called the agency to gather more info and the collector went on to tell me they had access to FBI files and he could give me the name of my neighbor if he wanted. He also said they we 're going to file a judgement and the debt would be on my credit report for 6 years. I do not believe I owe this debt and the practices used during the phone call were very threatening. I am also worried that this company obtained my personal information for fraudulent purposes.
Consumer complaint received 2017-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted my deferral paperwork in a timely manner ( prior to deadline ) and I followed up with them several times via telephone. I was told they had the paperwork and that it was in process. I was shocked to find out that it was on my credit report. I was reassured many times that it would be processed timely and not be reported on my credit.
Consumer complaint received 2017-09-08
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. (IN)

Today I learned that Equifax was hacked. I went on their site and learned that my information was released. Two problems here : apparently I can not sue Equifax now that I have checked this information, and there is no recourse as to how to shut down my information. Let me tell you, I have had my information stolen before, and it is a nightmare to clean it up. I can not imagine how much more difficult it will be now that HALF THE UNITED STATES was hacked. Help us please.
Consumer complaint received 2017-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

When I received my credit reports. The information was reported charged off when actually I paid the account in full and received the title. Also I took a title loan years after it was paid off and the car was totaled the insurance company paid the Balance off and sent me the difference. This company reported it. As being repossessed.