davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (FL)

on the week of XXXX i purchased a course online via webinar that i signed up for through XXXX. it was from XXXX XXXX from the XXXX XXXX XXXX, here is the link i used during his webinar to purchase the product. 

https : XXXX Throughout the webinar, XXXX pitched his product, and during his webinar before even purchasing, he presented a slide which I have attached is a screenshot that shows him offering a 30 day zero risk moneyback guarantee to try the product. 

I wanted to try the product and saw that he offered affirm payments as an option so I used affirm to open a loan for his course After XXXX DAYS of using the product, I felt that it would not work for me and I wanted to return it so I tried looking for his contact information on purchased course website. There was no contact information on the website, so I proceeded to reach out via XXXX on his profile to try and get my refund ( screenshots attached ) instead of acknowledging my refund request, he only tried to sell me something else, and from then on, proceeded to ignore me. 

I reached out to affirm payments and opened a dispute over this, and time and time again they would come back to me, saying that they were in favor of the merchant becasue as they state, the product was non refundable. 

I explained to them that it is conflicting statements to say that a product has a 30 day moneyback guarantee and also be non refundable which in my favor many of the affirm customer support team members ive spoken too are in my favor. 

Since XXXX I have been back-and-forth with affirm payments, disputing this fraudulent and deceptive activity from the XXXX standard academy. 

The merchant tried submitting a screenshot of his check out with a note saying nonrefundable, but it is not the same check out as I used, which is on the live link I provided above ( https : XXXX ) His counter evidence to back his claim, didn't even match where I purchased the product, after I explained that to the dispute team, they began to tell me that I only had 30 days to return the product and told me that it expired in XXXX, I haven't purchased the product till XXXX. 

At that point both the merchant, and affirm are claiming fraudulent things. 

the merchant can not advertise a 30 day moneyback, guarantee, and say that the product is also nonrefundable at the same time that is a deceptive business practice with conflicting statements, AFFIRM PAYMENTS fails to acknowledge that conflict and continues to be in favor of a merchant, thus facilitating fraudulent merchants on their platform
Consumer complaint received 2024-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: MCT GROUP INC. (CA)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-03-11
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: LEXISNEXIS (SC)

LexisNexis is still reporting a bankruptcy on my credit reports, and I never gave them written permission to have access to any of my consumer reports. I have sent them request to send me proof that I gave them written permission and to this date. I have not received any response from them. And in XXXX, i received response from them where i opt out online - but yet the Bankruptcy is still reporting to my consumer reports. See below on what federal require lexisnexis needs my written instructions to access or put anything on my consumer reports. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2024-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NJ)

On XX/XX/XXXX I told XXXX XXXX I never had a account with them and reported fraud no one helped me Jefferson capital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Iam not aware of these charges and need them removed I also have hard inquiries XXXX XXXXXXXX and XXXX I need these removed asap
Consumer complaint received 2023-08-12
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. (MA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RAS LaVrar, LLC (FL)

On XX/XX/year>, I stated to XXXX XXXX ( agent ) that the debt for {$4700.00} had been settled and the approved 1099A via IRS was attached to this certified email. Also, XXXX XXXX was asked for the validation and verification of debt, as well as the binding contract between two parties ( us ). No reply was given. On XX/XX/year>, my second certified email was sent to XXXX XXXX, stating that the debt was settled and XXXX was provided with the same evidence as before however the person 's certificate of good standing was now also attached to the certified email. No response was given. On XX/XX/year>, I reported XXXX XXXX to the IRS for not providing a W9 upon request, so that the accounting ( if needed ) could be addressed. On XX/XX/year>, XXXX XXXX summons for court was refused and not consented to on public record. This account has been settled, paid and verified via IRS and XXXX ( good standing, paid on time & {$0.00} balance ).
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (TX)

I created a business profile on Venmo and tried to transfer money from my main account to my business account. I accidentally tried to send it though the payment option and they declined the transaction and froze my account. Ive tried to get an answer to why and how I can unfreeze it and they have been no help. I have over {$5500.00} sitting in the account I cant access. Mind you I have to pay rent and Im unable to, which could lead to an eviction.
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (GA)

I don't recall receiving a debt validation notice within five days of this initial communication, as required by 12 CFR 1006.34, or the necessary validation information, including the name of the original creditor, the amount of the debt, and an itemization of the debt as required by 12 CFR 1006.34. I request that any negative information related to this alleged debt be removed from my credit report until the debt is properly validated, in accordance with 15 U.S.C. 1692g ( b ). I also request that Amsher Collection comply with all provisions of the Fair Debt Collection Practices Act and Regulation F, including providing the required validation information and ceasing collection efforts until such validation is provided.
Consumer complaint received 2023-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (WA)

I just got out of XXXX, technically I'm still XXXX  I'm at a XXXX XXXX XXXX on pre-release. I checked my credit score and learned thar I owe money for a XXXX phone bill and the collection agency that is trying to collect is Jefferson Capital, the date of the account is XXXX XXXX. I was incarcerated so it was impossible for me to open a phone account. I have no knowledge of this account, I did not enter into any agreement with Jefferson Capital, nor did I agree to pay them any money
Consumer complaint received 2024-09-05
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (MA)

Chase auto finance is reflecting negative late payments on my credit report. Stated below I have attached the laws that DO NOT state that they are allowed to report late payments on my credit report. This is a closed paid in full loan. And I would like the late payments to be reversed on my credit report as they are reporting negativity. 
15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LII / Legal Information Institute ( XXXX ) 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any ( 0 ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2024-09-05
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (FL)

On the XXXX of XXXX, I noticed I had a collection reporting on my XXXX and XXXX XXXX XXXX. Id never received a debit collection notice from I C Systems for this account, yet they were reporting on my credit reports. On the XXXX of XXXX, I sent I C SystemXXXX a debit validation letter that was received on XX/XX/XXXX at XXXX. As of this day Ive yet to receive a response from them. On XX/XX/XXXX, I sent a letter to XXXX and XXXX requesting the account get deleted because the company could not validate the debit after XXXX days ( as of the date I wrote the letter to them ). I havent heard a response from XXXX, but XXXX sent me an email ( which on multiple occasions Ive told them to cease and desist sending emails for disputes and only reply via mail ) and said that the information had been verified by the collection company.
Consumer complaint received 2024-09-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd (GA)

Ive had an account with Wise ( Transferwise ) for a whole year. I made the account to send and recieve XXXX etransfers from my family and business in XXXX. I had always received and sent these transfers and there was never a problem until last month when I received my usual transfer from my XXXX XXXX. Wises system asked me to provide proof of income I had a feelings there system was confused so I called and let them know it was asking me this they said I should provide them with a contract from my XXXX XXXX as proof I requested it from my XXXX sent it out and then received and email that my account is being closed. I immediately apppealed it stating there must be some sort of mistake but they proceeded to close my account. I received another email stating my transfer would be canceled and sent back to the sender. After 3 days there was no transfer back to sender. I called they asked me to provide bank account details to receive the refund because they cant locate the sender. I sent the bank information and then 4 days later I received a email saying that I should actually send a direct deposit form which I did. That was 3 weeks ago I have no money at all, Ive missed my mother and my sons birthdays with no money to buy gifts and my car has been in the shop for a month all because wise is doing this stupid stuff to me. I dont want to lose my car Ive already endured enough from this company unnecessarily please can you help me
Consumer complaint received 2023-03-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC (LA)

Collection agency Security Credit Services Last reported XX/XX/2022 Account status last reported as Opened XX/XX/2022 This collection agency is reporting this account incorrectly. This account is being reported as open. A collection by default is late, therefore there should be no balance, past due or otherwise on this account. This company can not produce the trilateral contract that I have with them. The debt has already been brought. I have filed a dispute due to this collection agency reporting on this account incorrectly. Commerce law 15 usc 1681.
Consumer complaint received 2024-09-02
Product: Credit reporting 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. (NJ)

To Whom It May Concern, I am writing to request the immediate removal of an unauthorized and unrecognized hard inquiry from my XXXX credit report. This inquiry, made by Ally Financial, appears without my authorization and is not associated with any application or request initiated by me. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, credit inquiries can only be made with my explicit consent or for legitimate reasons. Since this inquiry does not meet these criteria, I request that you remove it from my credit report immediately. 

Please provide written confirmation that this unauthorized inquiry has been removed.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-01
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (AL)

XXXX XXXX on XX/XX/XXXX, contacted me about the Debt, on Behalf of XXXX XXXX belonging to a Company Similar to my Name. 15 USC 1681n, verified to XXXX XXXX whom I am on XX/XX/XXXX. Alerted them this was my XXXX  Account as verified by the IRS, and Pursuant to H.R. 10222 XX/XX/XXXX, the Universal Declaration of Human Rights Articles 1,2 & 8, 15 U.S. Code 1681, The Homestead Act, Social Security Act 1935, Articles of Confederation 1777 ( organic constitution ). PUBLIC LAW 97-258-SEPI. 13, 1982 96 STAT. 918 1305 ( 3 ) 1306-use of foreign credits PUBLIC LAW 97-258-SEPI. 13, 1982 96 STAT. 943 3113-Accepting gifts PUBLIC LAW 97-258-SEPI. 13, 1982 96 STAT. 945 3123-payment public debt PUBLIC LAW 97-258-SEPI. 13, 1982 96 STAT. 980 5103-legal tender PUBLIC LAW 97-258-SEPI. 13, 1982 96 STAT. 985 5118-Gold clauses & consent to sue PUBLIC LAW 97-258-SEPI. 13, 1982 ( d ) ( 1 ) & ( 2 ) " obligation '' 96 STAT. 986 ( b ) ( 1 ) " notes issued '' PUBLIC LAW 97-258-SEPI. 13, 1982 96 STAT. 995 5312 ( 1 ) - Financial Agency PUBLIC LAW 97-258-SEPI. 13, 1982 96 STAT. 995 5312 ( 3 ) ( B ) - Monetary Instrument PUBLIC LAW 97-258-SEPI. 13, 1982 96 STAT. 1046 9301 ( 2 ) - government obligation PUBLIC LAW 106-386-Oct. 28,2000 114 STAT. 1467 ( 13 ) -involuntary servitude PUBLIC LAW 106-386-Oct. 28,2000 114 STAT. 1469 ( 2 ) ( c ) ( ( 5 ) ( a ) ( b ) ) - coercion PUBLIC LAW 106-386-OCT. 28, 2000 114 STAT. 1469 ( 4 ) -DEBT BONDAGE PUBLIC LAW 106-386-OCT. 28, 2000 114 STAT. 1486 1589-forced labor PUBLIC LAW 106-386-OCT. 28, 2000 114 STAT. 1488 1592-unlawful conduct/documents
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PRESTIGE FINANCIAL SERVICES INC (GA)

After receiving a loan denial I decided to check my credit.

Prestige Financial has been reporting erroneous information to the three major credit bureaus. The company has been reporting and increasing outrageous amounts that are false and is causing financial difficulties. The account with Prestige has been closed and charged off since 2016.

The company took the debt to civil court and was awarded a judgment in the amount of XXXX. 
Prestige has continued to report a high balance of {$28000.00} and the amount is climbing every month. 

These reporting are false and fraudulent and is causing financial difficulties. 

I no longer have an open account with this company I dont see how they are legally allowed to report increasing balances per month.
Consumer complaint received 2023-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My information is being traffic!! ( see attached ) BECAUSE OF YOUR FAILURE TO PROTECT MY NON-PUBLIC PRIVATE INFORMATION companies are now taking my likeness, my personal federation protected private information and are assembling a consumer report that is supposed to reflect who I am all without my consent all without my authority in so present now I am unable to get credit card, home loans, and suitable employment.
Consumer complaint received 2024-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (PA)

I am disputing the debt claim regarding an alleged obligation to XXXX XXXX. This is the third time I have addressed this matter with Jefferson Capital. I have no contract or financial relationship with your company, and I have already sent a 1099-C and other relevant documents to the IRS.

In compliance with 15 U.S.C. 1602 ( i ), I hereby notify you that I have presented a Credit Set-Off Settlement to XXXX XXXX  for the full amount claimed. They have three days to comply, after which I will pursue legal action if necessary. 

If you assert ownership of this debt, please provide the original contract signed by me and a valid IRS Form 1099-C within 15 days. I also demand the removal of this disputed debt from all credit reporting agencies as it shows Jefferson Capital does not own this debt. Continued attempts to collect or report this debt will result in legal action for mail fraud and other applicable charges. 

This letter serves as my final notice before pursuing legal remedies.
Consumer complaint received 2023-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act XXXX, XXXX and TransUnion, has violated my rights. 

15 USC 1681 Section 602 states- I have the right to my privacy.

15 USC 1681 Section 604 A Section 2 states- A consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B- A creditor may not treat a Paton a credit card account under an open end consumer credit plan as late for any plan.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-03-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo claimed I and I alone ; deposited and withdrew money, that I have had no knowledge of. I have received multiple letters in the mail to pay a certain amount as they had already stolen the money I had in the now closed account. 
The account was compromised XXXX XXXX XXXX, and has been a struggle paying a debt I was not involved in.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to formally dispute XXXX XXXX XXXX unauthorized account opened in my name with XXXX XXXX in 2021, which I believe is the result of the Equifax XXXX breach. I did not open this account, nor did I authorize anyone to do so on my behalf. This account is negatively impacting my credit score and is preventing me from obtaining new credit.Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair and Accurate Credit Transactions Act ( FACTA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that XXXX XXXX conduct an immediate investigation and remove this fraudulent account from my credit report in compliance with these consumer protection laws.Additionally, per FCRA 605B, upon notification of fraudulent activity, XXXX XXXX XXXX are required to block the reporting of information resulting from identity theft within XXXX business days. I have included a copy of my FTC Identity Theft Report, proof of identity, and a recent utility bill to support my claim.This account was opened without my consent and is therefore in direct violation of my rights under federal law. I expect Credit Strong to act in accordance with the law and promptly correct this error by removing the fraudulent account from my records.Please provide written confirmation once this account has been removed from my credit report. If additional information is required, please contact me immediately.Thank you for your prompt attention to this serious matter.