davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-20
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: EQUIFAX, INC. (IL)

the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX florida XXXX and XXXX florida defrauded hundreds of students who went to their schools in XXXX florida and XXXX Florida in XXXX, the owner XXXX XXXX stole all the students aid loansmoney and XXXX XXXX us dept of education approved loan money up {$10000.00} and never trained the students the owner of the school went to prision plead guilty, the students never recieved training and had to leave the school and was left with student loans debt they never recieved or the school training, now XXXX the us dept education collection agency XXXX in XXXX nebraka still hold students ' like me accountable for student loans we never recieved or got training for, and damaged our credit reports for student loans, we never used or recieved someone need to discharge and suspend all student loans from these schools due to fraud, theft and illegal school activity from XXXX the owner of the school went to prision and the fbi need to be involved and dismiss all collections by the department of education XXXX student loans, also they required you to be able to typing at 100 wpm after you enrolled in their school but did not state this before you enrolled in their schools
Consumer complaint received 2020-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MD)

I never had account with company I personally contacted them and they stated they also had no knowledge of me ever having a account with them I was giving incorrect information and addresses when I contacted the company and spoke with them I verified and provided information that I never had a account with them in 2020 or any other time and when I refused to give address and personal information they threatened legal action and garnishments and back account levies
Consumer complaint received 2020-11-20
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: SUMMIT FUNDING, INC. (TX)

On XX/XX/2020 Summit Funding XXXX Main office pulled my credit report without my consent. I called Summit Funding that day multiple times and eventually spoke with XXXX XXXX who works in the mortgage department. His boss is XXXX XXXX. I spoke with him at XXXX. They advised they were working with another borrower with the same name, when trying to get her pre-approved for a mortgage they pulled my SSN which was in their system from an old application instead of hers. This resulted in multiple credit inquiries from Summit Funding and XXXX XXXX XXXX ( a company they use for credit review ). I was advised they would fix this and remove the inquiries but nothing has happened. I also have concerns that they breached my security and discussed my credit score and credit information with the applicant. I want to know exactly what information of mine was disclosed to her and I want the unauthorized inquiries removed as they lowered my credit score and caused me to have a higher apr on a refinance offer.
Consumer complaint received 2020-11-20
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: ERC (PA)

I recently challenged the validity of XXXX XXXX ( Original Creditor : XXXX XXXX - XXXX ( Collection ) account and ENHANCED RECOVERY CO L ( Original Creditor : XXXX ) - XXXX ( Collection ) account that are being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with your company you have verified this same account.
Consumer complaint received 2020-12-14
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. (GA)

On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-11-20
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: ALLY FINANCIAL INC. (UT)

To whom It may concern, I recently, reviewed a copy of my XXXX credit report and { ALLY FINANCIAL } ran an unauthorized credit inquiry on me on XX/XX/2020. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX  XXXX XXXX and investigate such occurrence.
Consumer complaint received 2020-11-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MO)

Back in 2001 I went to XXXX XXXX XXXX, I was taking computer classes I was there for three months and the loan company is still charging me XXXX which is the total ofthe whole year of college I was only there for three months. navient calls me to make payments. I'm on full XXXX due to XXXX  and XXXX. I tried to work with them and they won't help and I can't afford XXXX 's. I also don't feel that it's fair for me to pay the full amount then I wasn't there for the whole year of education I never got. Like I said I was only there for 3 months what do I do.? The other thing is 2 weeks ago someone called claiming they work for several attourny 's that are suing on class action to get rid of loans people were duped on like me. It has distroyed my credit for many years and still is. I can not pay and refuse to pay the full amount of a college loan. I can not afford it.
Consumer complaint received 2020-11-13
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: MoneyLion Inc. (MI)

On XX/XX/2020 I received a notice to activate my XXXX debit card along with a debit card in my name. 

Problem is that I never signed up for this service nor have I heard of this company until today. 

I looked the company up online and found a telephone number associated with them that was not the telephone number on the literature in the envelope requesting me to activate my card. 

The representative required me to provide personal identifying information and I declined multiple times. I told them I would provide them with the card number in the envelope and my name and address and that was it. I would not give a " banking '' company I never heard of or solicited for service my DOB or SSN. 

He then told me that he would escalate my issue to his fraud department and that it would take 10 business days for someone to contact me concerning the fraudulent card. Which means that I had to provide my personal telephone number and email address to a banking company with whom I do not do business with. The Fraud Department would only contact me via email that there would be no way for me to proactively contact them. Meanwhile, the account would stay open and potentially be used by whomever it is that is trying to steal my identify. 

According the XXXX the gentleman on the phone I spoke with at XXXX, this is the procedure and there was nothing he nor anyone else could do to to hasten the process. 

When I told them I would be filing a complain with CFPD, he placed me on a prolonged hold - in excess of 10 minutes. They advised me to not file the complaint with the CFPD and instead wait for the fraud department. 

The reference number for my phone call with XXXX aka MoneyLion is XXXX. The call occured on XX/XX/2020 and started at XXXX ET and ended at XXXX ET. The number I called ( which I obtained from XXXX since they are an independent credit monitoring company ) was XXXX. 

The telephone number on the literature I received was XXXX. The literature is slick and looks exactly like something I would receive from a bank that I do do business with. There is a direct deposit slip attached to the literature encouraging me to set up my payroll direct deposit. The company I work for is not affliated with this company and I've had direct deposit set up through my employer for over 5 years. The card is a white card with branding and a chip on the front. The rear of the card contains and account number, expiration date and security code. 

It says that the card is issued by XXXX, Member FDIC and licensed by Mastercard.
Consumer complaint received 2022-10-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (NC)

So I wanted to buy a service of private coaching with this affiliate marketing company. They suggested to make a loan application with affirm to finance the cost. At first, I accepted on XX/XX/XXXX around XXXX I verbally told the vendor ( XXXX XXXX ) yes, I want your product, so I did an application with affirm. the loan was approved. The next day when I got the electronic documents to sign for the service, I changed my mind informed the sales agent, XXXX customer support that i didnt want the service. I didnt sign the agreement for service ( i have emails and text msg that show our communications ). I called affirm at XXXXXXXX XXXX to stop this transaction within XXXX. The agent said we had to wait for the funds to be collected by the vendor to ask for a refund. I didn't really believe that true so I called again XXXXXXXX XXXX  to double check maybe the agent was misinformed but they confirmed to wait and ask the vendor for the refund. 
At this point, any financial institution should be able to stop a transaction when the customer is asking for it. But I decided to listen to Affirm wait and ask the vendor for a refund. 
A few weeks later, XXXX support finally responds they have a no refund policy. I have looked into their policy and also Affirm has sent me some links and as of today XX/XX/22 the policy doesnt mention PRIVATE COACHING AS NON REFUNDABLE. 
XXXX XXXX does offer other services like commision hero and inner circle that are mentioned in the policy but not PRIVATE COACHING. 
I opened a dispute with affirm after I got this response from XXXX support, my point was simple I never signed an agreement to proceed when the vendor reached me back, I notified them that I no longer needed the product. Affirm kept denying my Dispute saying that the vendor acted within their policies. 

First ( XXXX support ) Their policies do not mention private coaching as non-refundable, second I called affirm to cancel the loan and the transaction within reasonable time. I find myself in an ordeal because Affirm doesnt listen. Didnt listen when I called to stop the transaction and doesnt listen to a customer saying I didnt get a service, I didnt sign for it. How is that fair? Affirm just want me to pay for this loan and wash their hands when this could have been prevented. Affirm does record all their calls for quality assurance so they have the evidence that I called multiple times. 





I have attached : the repeated denial communications with Affirm The communication with the sales agent, the emails the emails with XXXX support Proof that no service was agreed, and they are asking me to approve it so we can schedule the service.
Consumer complaint received 2019-03-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WI)

I would like to submit a complaint about Navient. They have made it extremely difficult to get simple answers and I believe I was mislead in the way my payments have been handled. After about one year of being in repayment, I checked my balance and thought it had gone up. I went to compare it to previous balances, but could not find the " Total Current Balance '' line listed anywhere clearly on a previous date. I called to request this information and they sent some documents, which still did not provide what I needed. I decided to take a screen shot instead and compare in a few months. From XX/XX/2019 to XX/XX/2019 my balance went UP despite me making my payments on time. I double checked the remaining interest and made sure to pay all of this off, in hopes that this would end the problem. I then tried to set it up to automatically over pay my minimum monthly, which the company does not allow you to do. 

On Saturday, XX/XX/2019 I checked my balance and took a picture. On Tuesday, XX/XX/2019 I checked again and my balance had gone up {$18.00}. This is despite me already paying the balance for XXXX PLUS {$240.00} extra. 

This company is clearly handling something wrong, and making it extremely difficult for its customers to get to the bottom of it.
Consumer complaint received 2019-03-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Enterprise Systems, Inc. (PA)

I had an agreement with the company for paying the lowest amount monthly. They agreed on paying the 100 monthly without charging fees and interest. I started paying on what we have agreed. The balance was {$5000.00} when paying when down to {$3900.00}. I received a statement stated that I owed them {$5700.00}. This is incorrect information and balance. They had charge me fees and interest. I've contacted them over and over again. They said that now I have to pay {$470.00} a month even though we agreed on the payment of $ 100 monthly. I have tried to call them and they wont help me anymore. I'm very frustrated because they closed the account and now I am in collection.
Consumer complaint received 2022-07-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC (FL)

I originally had a 2nd mortgage thru mortgage lenders, over the years it was sold numerous times the last company to be FAY servicing, theyve been paid off for over 2, years but havent released the lien, every time I contact them, they put the request into that department but nothing happens, Ive sold the home, money is being held in escrow now for a year, I have a letter stating its paid in full but thats not good enough for the county or title company, any help would be great
Consumer complaint received 2020-11-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (CA)

I was getting thousands of dollars from donations from people because my son and i video went viral. people was trying to request money from me on XXXX and cash app as a scam. i denied a few that came through on cash app. before i did i spoke with a person from cash app asking them would i be ok to cancel because my bank card was linked to my cash app i did not want anyone withdrawing money from my account like a friend told me happened to him. the agent told me that i would be fine. i received a text from a XXXX friend asking me why my cash app wasn't working.. i have a balance that i am trying to transfer to my back and cash app will not allow me. this money is donated to me and needs to be released.
Consumer complaint received 2019-03-26
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: Remex, Inc. (NJ)

Remex is a fraudulent debt collector. Reported to XXXX XXXX XXXX XXXX for misrepresentation as a debt collector for XXXX XXXXXXXX XXXX XXXX. Other debt XXXX including XXXX XXXX XXXX XXXX took a legal action although told by XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, Fraud XXXX and XXXX XXXX XXXX, Fraud XXXX that this was fraud - account paid in advance when referred and payments not posting to accounts. Criminal investigation launched in 2012 when accounts began to show cybercrimes. Contact XXXX XXXX XXXX, FBI XXXX, United States Attorney General XXXX XXXX, Chief XXXX XXXX, XXXX Police Department regarding this matter. Judgment by XXXX XXXX, XXXX XXXX XXXX also referred for criminal investigation. An additional fraudulent debt collector, XXXX XXXX, is also attempting to collect this debt fraudulently. They are engaged in telephone harassment, too.
Consumer complaint received 2019-03-26
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: EQUIFAX, INC. (FL)

I contacted this bureau regarding ALL the unauthorized hard inquiries reporting on my consumer file that I DID NOT AUTHORIZE. They never contacted me back with any answers, they never removed the hard inquiries and their customer service would not help and take care of the negative inquiries reporting to your credit report. This inaccurate information they are reporting is hindering me from being approved for any loans or future credit. I need this investigated and these hard inquiries listed below removed immediately.XXXX/XXXX Inquiry : XXXX XXXX, XXXX. 

XXXX Inquiry : XXXX XXXX, XXXX. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. 

XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX. 

XXXX XXXX Inquiry : XXXX XXXX, XXXX. 

XXXX Inquiry : XXXX XXXX, XXXX. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. 

XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. 

XXXX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. 

XXXX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. 

XXXX XXXX Inquiry : XXXX XXXX, XXXX. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. 

XXXX/XXXX Inquiry : XX/XX/XXXX. 

XXXX XXXX Inquiry : XX/XX/XXXX.
Consumer complaint received 2020-05-04
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$73.00} XXXX XXXX XXXX {$180.00} XXXX XXXX {$24000.00} XXXX XXXX XXXX {$530.00}
Consumer complaint received 2020-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

XXXX XXXX XXXX, owned by XXXX XXXX, attempted to send me a move out notice. However instead of placing my zip code on both the envelope and letter they placed their own so it was not received. They sent it to Pro-collect collections. I saw it on my credit report and that the original creditor was XXXX XXXX. I promptly called the manager to obtain a copy of the notice, where I found they placed the wrong zip code, and within 7 days of receipt handed them a money order. 
I called Pro collect to tell them that the notices were never received from, any party, and that it needed to be removed from my credit report. 
They informed me that they would not remove it because " I chose to pay the original creditor. ''
Consumer complaint received 2020-11-20
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Americas Car-Mart, Inc. (GA)

Americas Car Mart continues to infringe upon and violate my consumer rights. Upon doing so by law XXXX demand compensation for such violations under 15 U.S. Code 1692k - Civil liability. 
On XX/XX/2020 a letter was mailed to my home address from Americas Car Mart. That letter was titled Notice of Our Plan to Sell Property. The first violations are under 15 U.S.C 1692b. Acquisition of location information & 15 U.S.C 1692d - Harassment or abuse In this letter Americas Car Mart states the following quote THIS COMMUNICATION IS NOT AN ATTEMPT TP COLLECT, ASSESS, OR RECOVER A CLAIM IN VIOLATION OF THE BANKRUPTCY CODE AND IS FOR INFORMATIONAL PURPOSES ONLY. But also, in that letter Americas Car Mart states the following quote You can get the Vehicle back at any time before we sell it by paying us the full amount that you owe ( not just the past due payments ), including our expenses. To learn the exact amount you must pay, call us at : ( XXXX ) XXXX XXXX. That to me is the language of an attempt to collect a debt, which is indeed a violation under 15 U.S.C 1692b. Acquisition of location information & 15 U.S.C 1692d - Harassment or abuse.

I have not given any written permission to contact me in any form at any time of day which makes this letter in its entirety a violation by law under 15 U.S.C 1692b. Acquisition of location information & 15 U.S.C 1692d -
Harassment or abuse.

In the top right corner of the letter Americas Car Mart has the companys logo which is a violation under 15 U.S.C 1692b. Acquisition of location information.
Consumer complaint received 2019-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted this bureau regarding ALL the unauthorized hard inquiries reporting on my consumer file that I DID NOT AUTHORIZE. They never contacted me back with any answers, they never removed the hard inquiries and their customer service would not help and take care of the negative inquiries reporting to your credit report. This inaccurate information they are reporting is hindering me from being approved for any loans or future credit. I need this investigated and these hard inquiries listed below removed immediately.XXXX Inquiry : XX/XX/XXXX. 

XXXX Inquiry : XX/XX/XXXX. 

XXXX XXXX XXXX Inquiry : XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX. 

XXXX XXXX Inquiry : XX/XX/XXXX. 

XXXX Inquiry : XX/XX/XXXX. 

XXXX XXXX XXXX Inquiry : XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX. 

XXXX XXXX 2 Inquiry : XX/XX/XXXX. 

XXXX XXXX XXXX Inquiry : XX/XX/XXXX. 

XXXX XXXX  XXXX XXXX Inquiry : XX/XX/XXXX. 

XXXX XXXX Inquiry : XX/XX/XXXX. 

XXXX XXXX XXXX Inquiry :XX/XX/XXXX. 

XXXX Inquiry : XX/XX/XXXX. 

XXXX XXXX  Inquiry : XX/XX/XXXX.