davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Eagle Accounts Group, Inc. (MD)

The Motor Vehicle Administration ( MVA ) ( and the Central Collection Unit ( CCU ) ) for the State of Maryland has ignored the automatic stay order for my Chapter XXXX Bankruptcy. I notified both agencies of the filing and case information on more than one occasion. The CCU continues to collect the debt for Maryland Department of Motor Vehicle ( MVA ).
Consumer complaint received 2020-02-26
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Ad Astra Recovery Services Inc (TX)

My debt was sold to Ad Astra from XXXX XXXX. I sent a cease and desist to Ad Astra via mail and fax XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, KS XXXX-XXXX  & at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, KS XXXX-XXXX  and via fax at XXXX to inform them I would settle my debt with XXXX  XXXX and awaited a return notice, I never received a return notice that they would not proceed. I sent all 3 methods to ensure they got the notice. However, Ad Astra put a debt on my credit that I do not have with them and do not wish to proceed in recovery with them. I have not moved forward with XXXX XXXX because I can not afford to pay XXXX XXXX and the collection company. The collection company has disregarded my notices. I have resent to them certified mail XX/XX/XXXX and will get confirmation from the post office of my previous mailing to provide to your agency
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have contacted you all about my credit and stuff on there that I dont know about. Will you please have it removed from my credit XXXX XXXX XXXX XXXX, XXXX XXXX, US DEPT ED, XXXX XXXX. These inquiries I dont know anything about as well XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-14
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. (TN)

I submitted a letter on XX/XX/2021 regarding unknown and inaccurate information on my credit report.As of this present date, XX/XX/2021, I still have not received any response, which is more than 90 days later. I am under the impression my disputes are being ignored and disregarded. I also feel I am being taken advantage of and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the Equifax data breach whichmay have gotten into the hands of wrong individuals.
Consumer complaint received 2020-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

On Friday XX/XX/2020, I applied for a Chase Slate Credit Card based on the attached offer I received in the mail for a 0 % introductory offer and 16.49 % variable rate thereafter. The deadline to apply for this is XX/XX/2020 as noted in the attached. I initially tried to call Chase bank to apply for this but was advised by Chase that I had to go online to apply. I logged into my account and applied. I also requested a balance transfer. I was notified about a day later that I had been approved for the credit card and the balance transfer. When I received my credit card in the mail ( last four digits XXXX ), the terms stated that my variable rate after the introductory rate would be 25.24 % instead of what I was offered XXXX see attached terms and conditions received with the approved card ). Needless to say, I was alarmed and irate. I visited a Chase branch on Tuesday, XX/XX/2020 in hopes to have this corrected. The representative was not able to address my concern but made a phone call to Chase Credit Cards and spoke with a XXXX XXXX who failed to assist and suggested that I go to my account online and send Chase a message about my concern including uploading the attached offered. This further angered me as I could not understand why that was any different from me visiting a Chase bank with documentation in-hand demonstrating that Chase used a bait and switch tactic to swindle me into a much higher interest rate than I was offered. I am frustrated with this and I am requesting that my interest rate on my credit card be revised to the 16.49 % offer I was presented. I do not wish to receive the run-around from Chase trying to get this corrected as this is clearly a flagrant misrepresentation on Chases part.
Consumer complaint received 2020-02-26
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Portfolio Recovery Solutions have repeatedly called my place of employment. Also let our receptionist know that they were attempting to collect a debt from me. I have asked that they not call my cell phone as well, as the agents are extremely rude and aggressive. I don't know how the got my work number, but I asked that they not call again and the agent hung up. Only to call back the next day and once again refuse to state their name or transfer me to a supervisor.
Consumer complaint received 2017-07-25
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. (NJ)

I co-signed a student loan ( XXXX ) for a friend 14years ago. The loan evidently was not managed well by the primary on the account. I was noticed a few times he was late on payments, but the account was always brought up to date, or so I thought. Last XXXX the primary on the account notified me he was going bankrupt and the account would be my responsibility. I contacted the lender and was dismayed to learn the original loan amount ( XXXX ) had almost doubled XXXX ). I never received any information on the account other than when a payment was late. I have my own student loans which are current and have been payed faithfully every month. When I found out the ridiculous amount of the loan and the fact the company had not been due diligent in keeping me up to date I asked them to work with me to have the loan reduced and the interest rate changed to a fixed rate. The company was not interested in working with me. I contacted my state Senators and they were not successful, the lender basically said, too bad ... you co-signed it is your problem you did not check in on the loan over the past 14 years ago. I have been paying the loan, which is in the " interest only '' repayment phase, the interst rate has gone up twice in the past 11 months. I asked the lender if they would refinance the loan ... I received a resounding " NO ''. I then contacted several other banks in regard to refinancing ( which I did receive many offers with significantly better rates and terms ) but I found out I need to have the primary lender release the loan. I contacted Navient, yet again, and they have been non-responsive. I am at my wits end, I have never received such awful treatment and an unwillingness to work toward an acceptable solution. I have done all the leg work and been the onXXXX contacting Navient, they are not customer friendly and I find their business practices deplorable and their rates usury. My state Senators have not had any success with them either. I am fortunate my primary student loans were with XXXX XXXX and they worked out a great repayment plan with me. When Navient purchased XXXX XXXX, all customer service and humanitarian business practices appear to have been discarded.
Consumer complaint received 2020-02-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (NV)

A mix up with an arrangement of when to take the payment out of my bank account. 

I had made previous arrangements with them and they still dinged my credit as late. I have not been late on a payment to anyone for over 3-years. It affected my score by 100+ points.

The information on their website under my account and arrangements made do not match. You have over a 20-minute wait to speak with an representative and when you request to speak to a Supervisor you are told they do not have one. If you push further, they then state one will call you back. It never happens.

I called again today and their is additional errors on my payments. After waiting for 25 minutes and being hung up on, I was told that they are upgrading their software ( XX/XX/XXXX ). They did not take out the payment today and I was told that it will take up to 60-days to rectify and then not sure. This will probably make another show of being late. I can not keep doing this. It always like a joke to the person you are speaking with. 

It is very stressful ... I am XXXX years old on Social Security XXXX  and do not need this additional headache or problem. It severely affects my health and well being. 

I need Lending Club to take off the erroneous late payment to all 3 bureaus. 

I will never get a loan off the internet again ... It shows the corporate in XXXX XXXX ... 

How am I suppose to keep up with what they consider business as usual ... the only thing they have accomplished is to ruin my credit score ....
Consumer complaint received 2020-02-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: KEYCORP (NY)

XX/XX/XXXX : Sent contract to Loan Officer XXXX XXXX. Asked to apply for Conventional Loan. XXXX advised that XXXX qualifies for FHA loan and we should try that first because of lower closing costs, lower interest, lower monthly payment. 
XX/XX/XXXX : XXXX collects {$350.00} for appraisal fee. I request to put a rush. He agrees. 
XX/XX/XXXX : Still no call from appraiser. I escalate the request ; no call back from supervisor. 
XX/XX/XXXX : Processor is waiting for FHA addendum before ordering appraisal. I provide it upon request. 
XX/XX/XXXX : inquire if appraisal has been ordered. XXXX XXXX Loan Processor says there is an existing FHA case number with XXXX XXXX XXXX that needs to be transferred to Key. 
XX/XX/XXXX : no response from Key ; I request to cancel the application and refund appraisal fee. Supervisor XXXX XXXX reassigns the case to a Senior Processor XXXX XXXX, and puts a rush on the file. She explains that they must use the appraisal from the last FHA case. They overnight the {$350.00} to XXXX XXXX XXXX. The appraisal comes in a week later. XXXX agrees to issue a conditional commitment contingent on the appraisal as all other conditions have been met. 
XX/XX/XXXX : XXXX XXXX asks for college transcripts, letter of good standing with XXXX XXXX. Knowing he has a 1-year work history and was a XXXX XXXX XXXX in XX/XX/XXXX, ( which would disqualify the borrower from FHA ), she confirms the check was sent to XXXX XXXX XXXX. 
XX/XX/XXXX : The FHA loan is declined because the borrower does not have a 2-year work history. XXXX works to convert to conventional loan. XXXX tells me there will not be another appraisal fee. 
XX/XX/XXXX : The appraisal is put out to bid. No updates on appraisal for a week. 
XX/XX/XXXX : A third manager gets involved and tells me the file was not in " rugh '' status until she just became involved. 
XX/XX/XXXX : We are informed that XXXX XXXX put a hold on the appraisal on XX/XX/XXXX due to lack of payment, but she did not inform anyone. I am told by XXXX XXXX that the loan is at a standstill until the borrower send another {$350.00} to Key. 

We have obtained 3 mortgage contingency extensions. The seller is no longer willing to wait. Key Bank is not processing the loan. 

I asked Key if all the other conditions are met satisfactorily before sending additional funds. No response.
Consumer complaint received 2020-02-26
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Problem : Capital One sent negative status ( unpaid bill ) to all credit reporting agencies w/ incorrect balance of {$220.00}. My account was paid in full on XX/XX/XXXX ( {$140.00} ). 

History : XX/XX/XXXX : My online account requested security confirmation for access. I could not use my phone on file - since it was inactive. Fraud Protection Rep was unable to send a security text to my valid cell phone. After providing many key personal information rep still refused to give me online access. I refused rep 's final option to send him my photo ID so I closed my account. Rep AGREED - but FAILED to mail my final bill statement to my address ( on file ) - as I requested. 
XX/XX/XXXX XX/XX/XXXX : I made four calls to Customer Service. My account was blocked & I was transferred from one rep to another. After providing many key personal information to a Specialist Rep - the rep again refused to send me my bill to my address ( on file ) per my request. A CS Supervisor finally AGREED to mail me my bill - but in my opinion - was prevented from doing so. 
XX/XX/XXXX fax & mail : I faxed & mailed four complaints to Customer Service & Fraud Protection Depts. 
~XX/XX/XXXX mail : I finally received my final bill statement w/ listed total = {$140.00} = all my valid expenses..
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (FL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Consumer complaint received 2021-07-23
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC (CA)

Due to Covid 19 ... We entered into Forbearance with United Wholesale Mortgage on XX/XX/2020. Since XXXX XXXX was and still is one of the most restricted and affected area thru the whole pandemic process we stay on forbearance until XX/XX/2020. 
United Wholesale Mortgage sent us an option to apply for a XXXX XXXX XXXX XXXX which we are currently under. We sent our fist payment which was due on XXXX mid XXXX and XXXX payment on XX/XX/XXXX. 
On XX/XX/XXXX i received a notification that my credit score went down XXXX points, United Wholesale Mortgage reported our payments as late showing also the debt that was accumulated thru forbearance. It is my understanding this is incorrect and illegal. 
Contacted United Wholesale Mortgage and they acknowledge their mistake but stated that more late payment will be reported to the credit bureaus and that it will take time to fix our problem. 
I would like my credit score to be restore to the number prior to UWM mistake immediately
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (MI)

On XX/XX/2020, at XXXX, -in an effort to repair my " credit rating '' and to try to get a " debt consolidation loan '', I went to a ( so called ) free credit repair agency ( for 30 days ) - the " Experian '' -Credit Reporting Agency and filled out a form disclosing my social security number, home address, phone number, bank name and other personal information. After it was all completed and I submitted to paying {$19.00} per month, I eagerly waited for the credit score and referral but unfortunately I got absolutely nothing! -No score,  no referral, nothing and I tried to call them back at both phone numbers listed but was hung up on after hearing a recording. Should I write them to terminate the impending charges that occurs in one month? I don't trust https : //www.experian.com!

To the best of my knowledge this is a scam and now they have all of my vital information. It is my belief that consumers should be forewarned about their risky business practices online and I feel violated. 
Thank you for your time and kindly advise me how to terminate this online contract.
Consumer complaint received 2024-04-04
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Apelles, LLC (MS)

I got a local number calling me saying they are representing a company asking me confidential information about me saying they was a particular agency and when I called back they were not the agency they claimed to be making false and misleading information in order to get confidential information about a person this company is misrepresenting themselves as if they are an agency but when you call back they answer the phone as another agency committing deceptive tactics to get information they do not have they are using deceptive tactics in order to get confidential information about the consumer
Consumer complaint received 2021-07-23
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 — Their investigation did not fix an error on your report
Company: Atlanticus Services Corporation (CA)

Aspire Credit Card uses XXXX XXXX XXXX XXXX XXXX to collect for them when someone defaults on their credit card account.. as they did with me. I settled the account in full with XXXX XXXX and Aspire refuses to XXXX  out account claiming I still owe them {$280.00} I have called and talked to them and it just goes in circles and nothing ever happens. I have contacted XXXX  and XXXX  regarding this and this was their suggestion because they say that Aspire keeps sending back the same information and NOT acknowledging the fact that this account was closed and settled. I have attached a letter of satisfaction from XXXX XXXX. Please Help.
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

Equifax is reporting incorrectly a collection in the amount of {$3100.00} on the N/A partial account number XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have attached numerous documents as follows : 1040 form ;XX/XX/XXXX tax return ; XX/XX/XXXX tax return ; Letter of Employment ; XX/XX/XXXX W2 and XX/XX/XXXX W2. Every document attached is verifying that I reside in the State of Colorado and I have never lived in any other State other than Colorado. This collection account is in Georgia. This false reporting of a collection on an account that isnt mine is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America ( B of A ) has repeatedly and continues to violate RESPA, Reg X Multiple CFPB, Banking and other Banking and federal regulations and laws in the servicing of our mortgage. Refer ty attached document entitled 'CFPB Complaint Summary Page Escrow 2-2020 ' for full details.
Consumer complaint received 2023-01-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXXXXXX Balance : {$29.00} XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00}
Consumer complaint received 2019-07-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Commonwealth Financial Systems, Inc. (CA)

Applied for personal loans and received approval for loan. Then called to speak with loan representatives XXXX XXXX who was very Rude and stated in order to fund money to my account he wants photos ID of Divers license, Bank account, password and account user name. Very hard to reach him after all information above sent to him. What a scam! Lying to people who already is in need of loan! What a fake Bank cooperation!
Consumer complaint received 2019-10-04
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: Experian Information Solutions Inc. (FL)

After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed.
Consumer complaint received 2020-02-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ascendium Education Group (TX)

I have received debt collection notices from Ascendium Education Solutions , Inc. C/O XXXX Post Claim Assistance XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, -XXXX  , PA XXXX-XXXX  and address XXXX  XXXX XXXX, XXXX, WI XXXX. The debt is for student loans paid to XXXX XXXX University. I never attended XXXX XXXXXXXX University  nor did I do a parent plus loan for anyone attending XXXX XXXX University. The debt collection notices are addressed with my maiden name that I have not used in over 33 years. 

I called XXXX in XXXX-XXXX, PA XXXX and confirmed there is no student loan debts associated with my social security number and names. I also called the Dept of Education XXXX Loan Locator dept and Dept of Education student loan servicing dept XXXX and confirmed I have no student loan debt owed to XXXX XXXX University.