davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Atlanticus Services Corporation (GA)

In XX/XX/2022, I filled out a credit application for a credit card and I was denied the card. I am aware that I extended the credit and the extension of the credit is a consumer 's right. Since, I am the creator and maker of the account, i did not receive the value to use for the primary purposes which is for personal, family and household purposes. I sent correspondence to Aspire Credit Services requesting to correct the error in their system and send me a credit card with a {$5000.00} credit limit OR return the property ( credit application ) to me, the consumer as it is my right of possession since it has all my private information on it. Aspire credit services are in violation for discriminating against the consumer and by action ; showing that they use unfair and deceptive business practices. The consumer, preserve her rights to receive compensation for the emotional stress that was placed on her due to Aspire Credit Services violating the federal laws. Aspire credit services is required to return the credit application or send the credit card as requested.
Consumer complaint received 2021-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

XXXX I missed it, the Remarks on Report game, hey XXXX  Experian and XXXX  remember I told you XXXX  I was the Boss, Im in XXXX XXXX baby, you know, where XXXX XXXX Powerful Smart and Awesome XXXX men & women are involved in ALL types of Businesses, remember me XXXX telling you Dummie this, now Ive paid my monies to XXXX players in the Credit Corrections GAME, listen up XXXX  criminals, they will be pulling my XXXX Credit Report on this week, now every XXXX thing that Ive Asked you XXXX XXXX to correct, Im the Boss now, see after talking with a sharp XXXX XXXX person that knows the Credit Game, XXXX  I missed, Remarks on your XXXX Report can XXXX with your XXXX XXXX, hey XXXX  Experian and XXXX  I see what youve been doing Now, now you XXXX  can send me {>= $1,000,000} a piece and we can treat this as Settling out court or in Federal court I expose you XXXX  XXXX  XXXX XXXX XXXX, I could Not believe what my Credit expert showed, Im in the Game Now I got, Knowledge is Power, Im in charge Now XXXX XXXX
Consumer complaint received 2016-03-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (VA)

I co-signed XXXX loans through XXXX XXXX ( now Navient ) for my son, who is still in college. All XXXX loans are in deferral I was told I needed to pay interest on XXXX loan, which I have done. Two weeks ago, after numerous calls from Navient, I was told I was four months behind in payments and that I was responsible for paying on XXXX of the loans. I have made arrangements to take care of this. When I asked about credit reporting I was told if it is a problem, to write a letter and explain that I had been told to pay on XXXX loan and they would see what they could do. I have found Navient to be an entity that gives a different answer in each conversation, not correct what they say they will the first time and harass with incessant phone calls during work hour until XXXX XXXX everyday, including Sundays.Now I am concerned about my credit score because of their inefficiency. They have also harassed my son in the same way. Please help.
Consumer complaint received 2017-10-12
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Roycroft Management (CA)

Received a voicemail from someone named XXXX XXXX and he claimed to be a process server. He stated that he was going to serve me with summons papers if I did not call the company that filed the complaint. He instructed me to call XXXX XXXX XXXX XXXX XXXX XXXX to prevent him from serving me with the summons at my job. He said if I did not answer the summons I would lose my case. He also threatened to contact my employer and inform them that I had a judgment against me and that I would be arrested. This person also left this exact same message on my mother 's voicemail. I attempted to call the number provided but there was no answer. I have received several of these calls since I was notified by XXXX that my information has been compromised.
Consumer complaint received 2022-08-09
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: ALASKA HOUSING FINANCE CORPORATION (AK)

I applied for Homeowners loan financial relief through the Alaska XXXX XXXX XXXX, Application # XXXX, I applied XX/XX/XXXX, Submit the XXXX, with application received XX/XX/XXXX. Deadline was XX/XX/XXXX. XXXX. We went through every step required and were denied due to our homeowner 's loan being through our Business account with Alaska XXXX XXXX XXXX. The business closed in XXXX of XXXX. The Bank gave us a business loan in XXXX to buy our home since we couldn't qualify for a conventional loan. It wasn't an equity loan for the business because the business was already closed. We gave them all the loan paperwork, plus the second we took out on our home to pay off the business line of credit we owed on. This process took Alaska Housing 3 months to process on their part. Finally, XX/XX/XXXX they denied my appeal because XXXX ) Both documents are documented business loans, but the business closed in XXXX and the loan for the house was in XXXX. XXXX ) Both loans had a loan date of XXXX and XX/XX/XXXX of XXXX. The reason was the loan had been extended year to year and they were due again. The Bank wrote a new loan for 15 years to help us out, so we weren't having to renew every year. The loan numbers never changed and were just renewed to prevent foreclosure. I provided Alaska Housing the contact info for our loan officer to verify the information I provided them, but they were never contacted. I have been unemployed since XXXX and XXXX limited to a XXXX. I have been turned down on all my interviews to date. When I researched the XXXX program it states any mortgage, or deed of trust, through any business identify holding the deed of trust. There is no language that states it can't be through a business loan for my personal home. My wife and I won't be able to make XX/XX/XXXX payments on the XXXX and XXXX. We are also our being foreclosed on for our property taxes that exceed XXXX Dollars. Any help would be appreciated.
Consumer complaint received 2016-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (TX)

I 'm not Disputing Where are records to show my attendance from XXXX XXXX XXXX? Attendance records shows dates, months, and year and grades for students attending school at XXXX XXXX XXXX. I think promissory note should be investigated where is my signature? What date did I signed. Those information should have been provided with the statement giving. It might show in the financial database, but are you looking at the fact those are enter information that was sent to the database. Where is the original records? If you paid the school and they close by right there should have been a reimbursement check sent back to your institution? I never received the money, and yes I spoken with XXXX XXXX they never received the money either so who has it? Maybe you have the money, but its the promissory note that is tying me to paying you back? Somewhere down the line it does n't make sense? Remember for school closure the money is refund back to that institution that is last on file.
Consumer complaint received 2015-11-29
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (CO)

Back in XXXX I filed a complaint with Suntrust Mortgage regarding our house in XXXX XXXX SD. In which i got a response and submitted the required documentation needed to foreclose the house. I had a lady email me and said thanks we will start the forclosure process this was in XXXX. We have been in contact with our case manager at Suntrust and nothing has been done. She did n't even have the documentation that I had submitted. This company has been anything but helpful. We get nonstop calls nobody knows what the other person is doing. Seems to be in complete disarray and we are the ones that are getting belittled by this company. Something needs to get done. Thanks
Consumer complaint received 2017-02-16
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX I applied for a XXXX in the amount of {$5000.00} from XXXX and was denied because my score was below their minium requirement. Later that evening I applied for a loan in the same amount from XXXX and was also denied. When I received the denial letters in the mail I noticed that 1. ) Both companies used ONLY Equifax and 2. ) Equifax unlawfully provided 2 grossly different scores, a difference of almost XXXX points on the same day. Had they reported the same score to both parties I would have been approved for the first loan ( as my score met their requirements ).
Consumer complaint received 2021-06-06
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. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (CA)

There is an incorrect address on my Equifax credit report that does not and never has been my address.. XXXX , OK I looked this address up and online as a XXXX office.. Why would this happen?? 

Please remove for me, and inform me once completed. 
Thank you very much for your assistance!!
Consumer complaint received 2017-01-18
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (FL)

A Wells Fargo account was opened in my name ( XXXX ) about 6 or 7 years ago ; I complained by phone and mail to Wells-Fargo 5-6 times recently to no avail.
Consumer complaint received 2021-01-27
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: Experian Information Solutions Inc. (MD)

I pulled my credit files from XXXX, XXXX  and Experian to check for any wrong information. I saw that they are reporting a account that I am not responsible for and should not be on my credit files. The company they are reporting is called XXXX XXXX. This company should not be on my credit files as a collection, I have reached out to all three major credit bureaus to have the issue resolved and the negative account removed from my credit files. As of today this account is still showing on my files and caused my scores to drop.
Consumer complaint received 2017-05-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant & Weber (IL)

On  XXXX   XXXX ,  XXXX ,  XXXX   XXXX   XXXX  sent me a letter notifying that my credit card I have not used  in two years will be closing due to a recent scan of my credit report.  Urgently, I got a copy of my report and saw that I had  XXXX  outstanding medical bills since  XXXX  unpaid and sent to collections. I had never seen these before. I called the collections agency, Grant & Weber, and after verbal mistreatment they pointed at me saying it was my fault for not receiving the statements. I had moved to  XXXX  different states within  XXXX  years and  XXXX  residencies in  XXXX  of those states. I calmly asked them what rights I have to verify that they had been sending me letters. They told me I had to pay my collections up front. I let them know I was educated to know I had the right to ask for proof of mailing me these letters from collections. They put me on hold and yelled, " I 'm answering this other guy that wants to pay! I have no time for you! '' Because of this treatment, I will fight this and do what is right. If I owe, of course I  would pay to my Dr. 's. No way am I paying these debt collectors. You are a disapp ointment to our people.  XXXX   XXXX , o f Grant and Weber Collections said, " I have  no interest in helping people. '' Well,  XXXX . No one wants your help if it 's going to be harassment.
Consumer complaint received 2019-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advance Bureau of Collections (GA)

Between XXXX XXXX and XXXX a collection account was reported to all three credit bureau s in the amount of XXXX by advanced bureau of collections who stated that the debt orginated from XXXX XXXX XXXX the amount listed is false and has been paid i never received any notices of the debt so that i had a chance to exercise my rights granted under fcra i asked the company over the phone to provide orginal documents from the company of which i never received because the debt does not exist nor do i have any signed contract with this company so they have no rights fcra to collect on this alleged debt another debt for the amount of XXXX dollars is also being listed by this company ADvanced bureau of collections i am not under contract with this company listing any debt is a violation of my FCRA rights
Consumer complaint received 2022-02-16
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. (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX XXXX ) is reporting on my personal credit file with Equifax, XXXX, XXXX ( Credit Reporting Agencies ) .This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the XXXXredit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.
Consumer complaint received 2021-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I pulled my credit files from XXXX, Transunion and XXXX  to check for any wrong information. I saw that they are reporting a account that I am not responsible for and should not be on my credit files. The company they are reporting is called XXXX XXXX. This company should not be on my credit files as a collection, I have reached out to all three major credit bureaus to have the issue resolved and the negative account removed from my credit files. As of today this account is still showing on my files and caused my scores to drop.
Consumer complaint received 2016-04-13
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CL Holdings LLC (TX)

Jefferson Capital Systems LLC filed a law suit petition with a court within my jurisdiction in Texas. I not once received any notification from Jefferson Capital Systems LLC stating who they were, what they were collecting on or that I was being sued. I had never spoken to them or even had a debt with them. This debt I have now found out was purchased from the original creditor. Jefferson Capital Systems LLC never offered me the opportunity to work with the original creditor. They made numerous anonymous calls to my cell but never once left a voicemail or a call back number. I was able to trace their number to their company and assumed it was fraud since they do n't leave messages. I have been receiving calls from stating they are sending a warrant for my arrest and the numbers left behind are not traceable to a state office or legal office. I am now receiving numerous calls to my cell phone from various numbers claiming to be from a processor which I found out was fraudulent.
Consumer complaint received 2016-11-22
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (TX)

Equifax is not allowing me access to my credit report and score even when i purchase it i was signed up with monthly monitoring and i still ca n't access it this is what i get when i order it We are unable to complete your order at this time. Please contact our Customer Care department at XXXX ( XXXX ) 7 days a week between the hours of XXXX - XXXX Eastern Time Zone for immediate assistance. Please record the following information and have it available when you call : Eval Code : - Status Code : FL, Reason Code : NH i call and no one know what that means i do not have no fraud alert or security freeze on account. also other lender who pull report can not access it either.
Consumer complaint received 2022-09-07
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX XXXX ) is reporting on my personal credit file with XXXX, TransUnion, XXXX ( Credit Reporting Agencies ) .This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (SC)

On XX/XX/2022, I received a scam email from XXXX in which I responded and sent {$1000.00} as instructed from my banking institution. Upon realizing this was most likely a scam, I immediately called my financial institution to stop payment. The bank told me there was nothing they could do and informed me to contact XXXX, who is also stating there is nothing they can do to regain my money.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MD)

I have tryed to get a credit score. Put Experian will not give me one. And no other company will either please help I can not rent a house home apartment whatever without a credit score help help help
Consumer complaint received 2023-04-16
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: Experian Information Solutions Inc. (IL)

In Accordance With The Fair Credit Reporting Act. XXXX  Account Has Violated My Rights. ( XXXX ) XXXX XXXX {$1000.00} acount # XXXX. ( 2 ) XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX acct # XXXX {$910.00}. ( 5 ) XXXX XXXX acct # XXXX {$400.00}
Consumer complaint received 2016-06-01
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (VA)

I recently purchased a new home with builder financing. My mortgage was immediately sold to Roundpoint Mortgage Servicing corporation and I 've been making payments to them for the last 7 months. XX/XX/2016, I received a Real Estate tax bill from the City and promptly forwarded it to Roundpoint so that it could be paid from my escrow account. Despite several phone calls to Roundpoint 's customer service center, one of which ended with a promise from the floor superivsor to get the bill paid, Roundpoint has failed to issue a check and I 've been forced to pay the tax bill out of my own pocket. XXXX 's excuse for not paying the bill is that it is marked " supplemental '' ; in actuality, the city of XXXX XXXX has confirmed that this is the normal real estate tax that is due for the period of XX/XX/XXXX - XX/XX/2016.