davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-04
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ProCollect, Inc. (IL)

I am not liable for this debt with ProCollect Inc. I do not have a contract with ProCollect Inc. They did NOT provide me with the original contract copy as I requested. I have sent this company a cease and desist this company has refused to adhere to the federal guide lines by ignoring my request in my attempts to resolve this matter. The company has also been found to impose as a collection agency when it is listed that this company is not legally blinded/registered and or insured to collect in the state of Illinois ( IL ). Please have this company cease all collection activities this is my last attempt to complain outside of court.
Consumer complaint received 2024-06-04
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: CCS Financial Services, Inc. (TX)

Closed account with an agent at XXXX XX/XX/year> to go with a different Insurance company and was told at that time the account was paid in full. Then received a bill for the {$320.00}. This is not my debt. Please remove from my credit.
Consumer complaint received 2024-06-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (TX)

AMSHERCOLLECTIONSERVICES XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX Put a collections against my credit. Never contacted me or notified me of any debt. When I called to inquire representative was rude and hung up on me. Collections says I owed a Debt to XXXX XXXX. I went to XXXX to inquire and their representative verified there has never been account with XXXX associated with any of my information including social security, phone numbers, addresses, etc. XXXX never issued debt. XXXX did note there have been fraudulent collections using XXXX as the original creditor. Disputed collections but they insist it is legitimate, but again, have never contacted me and would not provide information regarding. Impossible for them to have a debt collections from XXXX XXXX. XXXX has verified this. XXXX XXXX is committing fraud. Opened fraudulent collections against me for the amount of {$7500.00} on XX/XX/year> for debt owed to XXXX XXXX. 

XXXX  Dispute information. 
Report Created On : XX/XX/year> File Identification Number : XXXX Provided by XXXX XXXX XXXX
Consumer complaint received 2024-06-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC. (IL)

Robinhood offers the option to purchase ETH. I purchased ETH XX/XX/XXXX and sent it to a provided address for trading. 

XX/XX/XXXX, Robinhood restricted my account. I called Robinhood support and answered their questions. They asked me questions about who I was sending it to, why, which is really up to me who to send it to and how I want to use whatever I've purchased. And asking me questions as if I've done something wrong, which I asked the Robinhood Support rep, " did I do something wrong ''. He said no. 

They then asked me for several documents. They asked for my bank statement, which I provided, drivers license, which I also provided. They also asked me for my bank statement from XXXX XXXX. I informed them that XXXX XXXX no longer exists because they were bought by XXXXXXXX XXXX This is actually public knowledge and can be looked up. But Robinhood asked for a letter. I went to the bank, and XXXX provided me the letter they sent to everyone previous XXXX XXXX customer that they were now taking over in 2021. I provided them the letter, they did not accept it because it was a picture of the letter and not a PDF. I scanned it and they said no, I've also uploaded it as a PDF.

Then Robinhood asked for my bank statement from XXXX. I explained again that XXXX is no longer, but XXXX gave me my last statement from them. Robinhood asked me for my recent bank statement again, which I had already provided. 

Now, in XXXX my account is still restricted and on the XXXX ( yesterday ) they are asking me for " a closure letter for the bank account ending in XXXX '' which was my XXXX account and another bank statement. I already sent them all of this. I called support and I have received rude representatives. 

They are not listening to me or accepting what XXXX has provided me. I asked for a manager to call me and nothing.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (FL)

I, XXXX XXXX give authorization to all XXXX, XXXX and XXXX to move forward with this complaint. I have proof they are in violation of the FCRA, 15 USC 1681L and 15 USC 1681a ( e ). In a previous CFPB complain they had stated that they will undergo an investigation with the original data furnisher. When in fact, an investigative consumer report is to be verified through interviews with neighbors, friends, family, and associates. They XXXX consumer reporting agencies has in fact conducted no such interviews. There is also not supposed to be any factual information from the original data furnisher on my investigative consumer report, all pursuant to 15 USC 1681a ( e ). So this could only mean that all XXXX consumer reporting agencies are attempting to verify this transaction with non-factual information. No adverse information is to be included in my consumer report during an investigation pursuant to 15 USC 1681L. I have proof that all XXXX consumer agencies are reporting adverse information before, during, and after all investigations which is a direct violation, making all three consumer reporting agencies civilly liable and criminally liable pursuant to 1681n and 1681o.
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WHEELS FINANCIAL GROUP, LLC. (FL)

I am writing to file a formal complaint regarding a collection accountS labeled XXXX LOANMARTXXXX XXXXXXXXthat has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2024-06-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (AZ)

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 : IQ Data International IN and account number IQD0NA Account name : XXXX XXXX XXXX and account number XXXX 15 USC 1681 Section 602 A : States I have a right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681 section 2 : A person should not provide information about a consumer to a consumer reporting agency if they know or have reason to believe the information is inaccurate. This also applies if the consumer has notified the person that specific information is inaccurate, and the person has the consumer 's address on file for such notices.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (LA)

I received a copy of my credit report. To my surprise, it is incorrect and untrue. It is showing an OPEN account with Jefferson Capital Systems. I have never opened an account or entered any transactions with this company. They can not furnish any documentation with my signature or consent on it. They claim to be the ORIGINAL creditor with NO original application process and paperwork to show, yet, it was reported that the account was originally opened on XX/XX/year>. This account is not only showing as OPEN but also a balance of {$7100.00}. According to the FCRA, I have the right to an accurate credit report so I am requesting that this account be removed immediately from my credit report and documentation of its removal be sent to me. I had disputed this incorrect credit report with the credit bureaus over a year ago but no action was taken. I seek immediate resolve.
Consumer complaint received 2024-06-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (GA)

MY NAME IS XXXX XXXX. I AM NOT A XXXX PARTY. I AM A NATURAL PERSON SUBMITTING THIS COMPLAINT AND I AM A NATURAL PERSON SUBMITTING THIS COMPLAINT AND I AM REQUESTING THAT THE NEGATIVE ITEM BE REMOVED FROM MY CONSUMER REPORT. 

I'm filing this complaint in reference to an alleged debt with Wakefield and Associates and Orginal creditor ( XXXXXXXX XXXX XXXX XXXXXXXX ) .I would be willing to accept this debt if it were mine and upon validation and proof of claim but it's not mine and there's no way you can validate it.I am requesting proof that I am indeed the party you are asking to pay this debt, and that there is some contractual obligation which is binding me to pay, yet you have NOT provided this to me as of date, yet reported it to my credit report after I explicitly disputed this claim pursuant to FCRA 15 U.S.C 1692g Sec.809 ( b ) on XXXX XXXX and asked for proof and validation of this alleged debt. 

YOU ARE VIOLATING FEDERAL LAW by continuing to collect on a debt that you have no contractual right nor obligation to collect.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc. (SC)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my CARMAX account # XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.
Consumer complaint received 2024-06-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (CA)

I received a letter from Radius Global Solutions, LLC dated XX/XX/XXXX for a debt of XXXX from XX/XX/XXXX in regards to a XXXX XXXX XXXX. There is absolutely no debt owed to XXXX XXXX. 
At the end of last year I received another debt collection notice regarding this debt from a previous Scam collection agency trying to get my banking info, XXXX collections. I never received any notifications of ever having to owe any money to XXXX XXXX until this random collection letter. I have contacted XXXX XXXX directly and they CONFIRM there is absolutely no money owed. This was put on my credit report and was fraudulent, XXXX removed the debt and confirmed this was a fraudulent collection. The account number they have for my XXXX XXXX isn't even accurate. When I called to have this collection removed, the representative was extremely rude and kept trying to get more personal information from me. This company is a SCAM and now this fraudulent debt is going to go back on my credit report, a debt that I do not owe. This company has been reported numerous times.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc. (SC)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my CARMAX AUTO FINANCE XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Kikoff Inc. (NV)

An account was opened in my name with Kikoff Lending fraudulently and has a balance of XXXX. I was made aware of this as of XXXX. They opened this account as of XXXX. I emailed the company and requested the account be closed and it is now under investigation with Kikoff. I also spoke to a representative from Kikoff who confirmed this matter is under investigation.
Consumer complaint received 2024-06-05
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I got a personal loan from XXXX XXXX XXXX to pay off credit card debt. It was for {$18000.00} and i got the loan XX/XX/XXXX. {$9800.00} dollars went to my credit card with XXXX XXXX XXXX. The rest ( {$8200.00} ) was supposed to pay off a credit card I have with synchrony bank ( XXXX XXXX ). I received a check in the mail for the {$8200.00}, with no instructions. I did a mobile deposit into my bank account with Huntington national bank on XX/XX/XXXX, so I could pay my credit card off online. The check though was made out to synchrony bank, even though it had my name on it. So Huntington bank is now holding the check and will not release the funds to myself or send them back to XXXX XXXX XXXX so a new check could be issued. Huntington bank is labeling this as fraud as the check was made out to XXXX not myself directly. Huntington wants XXXX bank to sign a release form. I talked to a few people at synchrony and they will not sign the form. Huntington also said XXXX could send them a holds harmless letter, or request the funds back thru the issuer of their check. After talking to many people at XXXX XXXX XXXX they will not do either option ( do to legal reasons ). Huntington is stating if one of the 3 options is not done they will hold the funds indefinitely. XXXX is not able to do a stop payment on the check because Huntington " has the money ''.
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Uplift, Inc (TX)

I am writing to file a formal complaint against UPLIFT INC, a collection agency, for multiple violations of my consumer rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau 's ( CFPB ) regulations. 
UPLIFT INC, with contact information at XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX, Phone number, XXXX, has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) while reporting a collection account on my consumer report. This action directly violates my rights under the FDCPA and CFPB regulations. 

Furthermore, I have not been given the opportunity to dispute the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide a fair and transparent dispute process is a clear violation of my consumer rights. 
In addition, I believe that UPLIFT INC has engaged in false, misleading, and deceptive practices in their collection efforts, further violating my rights under the FDCPA. Their actions are in direct contravention of 15 USC 1681s-2 ( 7 ) ( A ) and 12 CFR 1006.34 ( d ), which prohibit the furnishing of information to consumer reporting agencies without the required disclosures. 
I kindly request that the CFPB investigate these violations and take appropriate action against UPLIFT INC to ensure that my consumer rights are protected. I also urge the CFPB to take all necessary measures to hold UPLIFT INC accountable for their unlawful conduct. 
Enclosed with this letter are copies of relevant documents supporting my complaint. I appreciate your prompt attention to this matter and look forward to a resolution that upholds the laws designed to protect consumers.
Consumer complaint received 2024-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I called TransUnion to get my credit report on XX/XX/2024. And after receiving it, I noticed there were some hard inquiries that do not have permissible purpose according to 15 USC 1681b, I also attached my credit report and letter showing that TransUnion is in violation of the FCRA.
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (MO)

I lost my wallet an and my car was broken into and I called to dispute transaction made at a club I didnt authorize these transactions, my dispute was denied 3x bc they claimed they had evidence to make that decision. I requested that investigation and information and was sent a email with no attachments or documents that could support their choice. Ive contacted them 5x between XXXX XXXX - XX/XX/year> no response or anything.
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TX)

I have been receiving letters from a company by the name of AFNI. The company is a third party collection agency trying to collect a debt. On XXXX XXXX my vehicle was hit in the rear left side by XXXX XXXX in an accident. My insurance company denied her claim because she was at fault. Her insurance company XXXX covered her damages and repairs. They are now harassing me, demanding XXXX in damages for their clients vehicle. XXXX now being contacted by AFNI with threats of being sued and negative attachments to my credit reports. I submitted a police report and documents where her claim was denied. I am not liable for any debt owed to these companies. I do not have a signed contract and or agreement with neither of these companies.
Consumer complaint received 2024-06-05
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: MARINER FINANCE, LLC (FL)

There is a XXXX XXXX Account reporting on my credit report. I have called, writen and emailed. This account is not mine. SOmeone else opened this account.
Consumer complaint received 2019-08-28
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. (PA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-06-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC (AZ)

On XX/XX/XXXX, I placed a XXXX $ deposit on a XXXX XXXX XXXX XXXX that I did not receive, nor could I get a refund from Carvana LLC. I spoke with a woman named XXXX who, upon canceling the sale of the vehicle, did not inform me that there was no answer as to how or when I would get the my down payment back.
Consumer complaint received 2024-06-05
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (TX)

On XX/XX/year> my chime account was suddenly closed. I received an email stating I was not eligible for a refund & that I did not meet the user agreement. I called chime customer service, they stated they couldnt let me know anymore about the closure due to security reasons & that I was not eligible for a refund. Im unsure of how much was in the account.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (PA)

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.

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.