davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc. (CA)

This debt collection company is violating my consumer rights and causing me emotional distress by constantly harassing, publishing an alleged account that I do not owe. I have reached out to this company several times via phone call and email which I recorded for proof. I owe no debt to nor MONEYLION INC . I refuse to pay a debt, I do not owe. I also do not wish to contract with MONEYLION INC . This has caused me job loss due to negative and false information published by this debt collector, which made me suffer XXXX  and XXXX. This debt company negligence has caused me to seek medical attention
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I disputed a collection account on my credit report and XXXX removed the account due to incorrect information. However, XXXX and XXXX have refused, twice, to not remove the account, stating that the creditor disagrees with my dispute. The account was not opened in XX/XX/XXXX, but in XX/XX/XXXX when the first official delinquency was reported. Therefore, this account is not XXXX XXXX XXXX, but actually XXXX XXXX XXXX and XXXX and XXXX refuses to correct this.
Consumer complaint received 2024-11-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

they keep contacting me.. this debt was written off and as of today XX/XX/year> i am still receiving harassing phone calls. 
This letter serves as a formal request under the Fair Debt Collection Practices Act ( FDCPA ) to immediately cease all communication with me regarding account number XXXX XXXX. I have previously requested that you stop contacting me, yet I am still receiving calls. Per 15 U.S.C. 1692c ( c ), this letter is a reminder of my right to request a complete cessation of communication. 

Additionally, I am requesting that you remove this account from my credit report with the three major credit bureaus ( XXXX, XXXX, and XXXX ). It is my belief that continued reporting of this account is inaccurate and damaging, as I do not believe I owe the amount in question. Furthermore, this request is to resolve the matter fully, and the removal of this collection will prevent any need for further disputes or legal action.
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

This Fraudulent Collection Company FAIR COLLECTIONS AND OUT and the associated Account is Violating my Consumer Rights and Federal Law under the FCRA and FDCPA. This Collection Account is NOT MINE nor did I ever sign any contract or documentation with this company. I have NEVER given authorization or consent for this Illegal Collection company to access my Private Information or Consumer Report. I have NO KNOWLEDGE of this company or this fraudulent account reporting on my Credit Report, and this is violating my rights and needs to be DELETED/REMOVED immediately. This collection company FAIR COLLECTIONS AND OUT, has illegally purchased and breached my private information without my consent and is attempting to collect on a debt that is NOT MINE and has NEVER BEEN VERIFIED as mine. This Collection Company and Account is damaging my Consumer Profile and Worthiness with a fraudulent account and this collection MUST BE DELETED immediately as per Federal Law.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Name of Collection Agency : XXXX XXXX XXXX Amount Reported : {$5400.00} Date of Report : XX/XX/2024 Credit Reporting Agencies Affected : XXXX, XXXX, XXXX Fair Debt Collection Practices Act ( FDCPA ) Violations : The FDCPA requires debt collectors to provide accurate and valid information regarding debts. Under 15 U.S.C. 1692g ( b ), I am entitled to receive a validation of the debt within 30 days of my request. XXXX XXXX XXXX has failed to provide sufficient validation of this debt, which means they should not be collecting it or reporting it to the credit bureaus. 

Fair Credit Reporting Act ( FCRA ) Violations : The FCRA mandates that all information reported to credit bureaus must be accurate and verifiable. Under 15 U.S.C. 1681i ( a ), I have the right to dispute any inaccurate or incomplete information on my credit report. XXXX XXXX XXXX has reported a debt of {$5400.00} that I do not owe, which is a violation of my rights under the FCRA. This erroneous report has harmed my credit score, and I seek its immediate correction. 

Lack of Proper Debt Validation : I have previously requested debt validation from XXXX XXXX XXXX as per my rights under the FDCPA. They have either failed to respond or provided insufficient evidence to substantiate the debt. Without proper validation, they are legally prohibited from continuing collection activities or reporting the debt to the credit bureaus.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (FL)

I purchased a XXXX XXXX XXXX XXXX XXXX XXXX, in XXXX of XXXX the vehicle was involved in an accident, at the time of this occurrence I did not own the vehicle or have access to drive it. when I went to apply for auto insurance after i purchased the vehicle I was told I am being held responsible for the damages that occurred when I was not the owner of the vehicle. I attempted to reach out to lexisNexis but I did not receive any follow up after my initial request for a consumer report, which I was told I would need in order to dispute the upcharges that my insurance company would charge if I did not get the report back to them before my next insurance payment.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (IA)

My account has been locked from the web site and app for about 30 + days. I have made repeated called to Marcus Goldman Sachs and they are unable to update my creditials on their end. They ( Marcus Goldman ( Sachs ) are able to verify me over the phone however I to be able to access account via app and web site. I have been transferred several times. I initially contacted the bank 4 weeks ago and no resolution.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc (IN)

Chime Credit Bureau account reported to the credit bureau agencies that my credit balance had increased, resulting in a XXXX point decrease in my XXXX XXXX. This reporting was inaccurate as there was an open dispute for the charge that resulted in the increase in my balance, days after reporting this information to the credit bureaus Chime XXXX department completed their investigation and found in my favor that the charge was made in error and return those funds to my credit card, however, they did not fix the error of the report to credit bureaus regarding my being over the credit limit.
Consumer complaint received 2023-02-11
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. (NH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

Subject : Cease and Desist Request Regarding Unauthorized Credit Inquiries Dear LEXUS XXXX XXXX XXXX, I am writing to formally request that you cease and desist from conducting any further inquiries on my credit report without my explicit authorization. My name is XXXX XXXX, and my Social Security Number is # XXXX. 

Upon reviewing my recent credit report, I have identified the following unauthorized or questionable inquiries : Inquiry Date:XXXX Inquiring Party:XXXX  LEXUS XXXX XXXX XXXX, These inquiries were made without my permission and are affecting my credit score and overall financial profile. I request that you take the following actions immediately :
Consumer complaint received 2024-09-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

Transworld Systems has inaccurately placed an account on my credit report. I disputed the account over XXXX XXXX ago, and the original creditor has not responded within the required timeframe. According to the Fair Credit Reporting Act ( FCRA ), if no response is received within 30 days, the account must be deleted. Transworld Systems has refused to remove the account. I have requested proof, including a copy of my ID, the account details, and documentation used to open the account, as well as a signed contract showing that Transworld Systems is authorized to collect on this debt, rather than just having purchased it from a third party. The account must be removed from my credit report immediately, as failure to do so would further violate FCRA regulations.
Consumer complaint received 2024-09-04
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or missing disclosures — 
Company: Affirm Holdings, Inc (MO)

I was promised a remote appointment setting job after applying for this position, I was prompted with an almost forced XXXX  call that lasted XXXX hours that ended up with them sending me money that I didn't have to start this loan and other have had similar experiences with this company. I was also promised that I wouldn't be sending out messages for potential customers and this was a lie as I was told I would only receive interested " customers ''. This loan is for a course/work combination but it's really a giant scam and I would warn others of this company and others like it offering a role that is $ XXXX $ XXXX a month from home as there are many other groups doing this same scam. You're matched up with " coaches '' who don't help when asked for help. This company also has an F on the XXXX  as well as the address on their website leading to an apartment complex or to an empty field.
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA (CA)

This debt collection company is violating my consumer rights and causing me emotional distress by constantly harassing, publishing an alleged account that I do not owe. I have reached out to this company several times via phone call and email which I recorded for proof. I owe no debt to APPLE CARD nor GOLDMAN SACHS BANK USA. I refuse to pay a debt, I do not owe. I also do not wish to contract with APPLE CARD nor GOLDMAN SACHS BANK USA. This has caused me job loss due to negative and false information published by this debt collector, which made me suffer XXXX  and XXXX. This debt company negligence has caused me to seek medical attention
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MO)

On XX/XX/year>, I reached out to Citi in regard to my XXXX XXXX credit card. I paid off the card in full and closed the account. I received verbal and email confirmation that the account was paid in full and closed. They did not tell me that the account would continue to be charged. They told me to toss my card and that I could remove my app. 
They have since continued to charge interest on the card and now have added late fees. I did not realize this for a few months, and reached out to try to resolve with them. They have been unable to tell me why they continued to charge interest on a closed account. I asked for it to be waived and was denied. I then attempted to compromise that I would pay the interest if they would waive the late fees and guarantee they would not continue to charge the card/account. They denied that as well.
Consumer complaint received 2023-02-11
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. (PA)

PLease take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: TransferWise Ltd (GA)

In order to clarify the Confused process, I will post here the letter that I sent to them with no answer wet. I was trying to receive funds from Brazil, that's when I realized the problem. They release the money to me, that was solved, however I have concerns about this company : XX/XX/XXXX Dear Representative for WISE My name is XXXX XXXX XXXX, I am writing to express my serious concerns regarding the recent notice I received on Tuesday, XX/XX/XXXX, informing me that my account will be closed due to the existence of two accounts under my name. 

First and foremost, I would like to emphasize that I have been a TransferWise ( now Wise ) customer for nearly 9 years, and I have never opened multiple accounts. The privacy and security implications of this situation are highly alarming to me. 

It appears that during the transition from TransferWise to Wise, where the system was altered to function more like a bank, a new account was created under my name without my consent, authorization, or knowledge. This account includes a bank account number and routing number, which I never requested or agreed to open. 

Until recently, I had no issues with TransferWise. However, when I logged in a few days ago, I noticed significant changes. The platform, which was previously simple and straightforward for sending and receiving money, now operates like a bank account. Furthermore, my account information was altered without my consentan old address from XXXX was listed as my current address, despite the fact that I have moved XXXX times since then. Additionally, I was informed that my date of birth was incorrect. 

I promptly provided the requested photo ID to verify my identity. Now, I am being informed that my account will be closed in XXXX. If this situation was truly due to fraudulent activity, why wasnt immediate action taken to suspend or close the account at the time of the suspicious activity alert? 

I am requesting a thorough explanation of why an account was created under my name without my consent, and why I am being penalized for errors made by your system. It is extremely concerning that my account was set up with incorrect personal information, and yet I am being treated as though I am at fault. 

I appreciate your immediate attention to this matter and look forward to your prompt response. 
That is my information I got from the system : Wise Account Holder XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FC HoldCo LLC (NY)

Vehicle was repossessed, consumer was never provided with notice of sale, or given information on auction date and time. Consumer information was illegally provided to 3rd party repossession agent as per XXXX5 usc 1692 F, 15 usc 6802 15 usc 1692.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (MN)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MD)

I XXXX XXXX am submitting this dispute on my own behalf. I am demanding the removal of the negative information lexis nexus is reporting on my consumer report of a bankruptcy. The bankruptcy court does not share information with consumer reporting agencies therefore they are not a furnisher. In Lexis Nexus response on XX/XX/year> a rep stated the court is a furnisher when in fact they do not report information to the CRAs. Lexis Nexus is reporting this information without permissible purposes which is a violation of 15 usc 1681b. Under the Fair Credit Reporting act i am a protected consumer and Lexis Nexis has a duty to comply with all parts of the law with respect to my right to privacy as congress intended. Lexis Nexis is an elaborate mechanism who assumed the responsibility as a consumer reporting agency and is not a government entity and NEVER had consent to purchase and sell any of my personal information. I am requesting the method of verification used to obtain the information and proof the court reported this information to them. If Lexis Nexus is not able to provide documents stating the court shared this information with them it needs to be removed immediately. The information reported by Lexis Nexus causes adverse actions against consumers such as being denied housing effecting ones livelihood, securing employment and ones right to credit. Lexis Nexus is civilly liable for any adverse action that has occurred up to this date and failure to remove the information will result in legal action.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: United PanAm Financial Corp. (TX)

I am writing to complain to UNITED AUTO CREDIT CO about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/year>. The FTC report number related with this complaint XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.