davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-04
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aldous & Associates, PLLC (TN)

I received a phone call on Tuesday XX/XX/XXXX at XXXX from a debt collector claiming that he was an attorney from Aldous and Associates from the number XXXX attempting to collect a debt of {$57.00} from XXXX XXXX XXXX. I asked the man who was the agent was he a debt collector or an attorney? He told me he was an attorney. I made him aware of violations of my consumer right pursuant to 15 USC 1692e ( 3 ) false and misleading representation. I told him the false representation or implication that any individual is an attorney or that any communication is from an attorney is a violation of my consumer rights. He hesitated, became defensive, and told me a disclosure ; " this is an attempt to collect a debt. '' etc. and before I could tell him to " cease and desist '' pursuant to 15 USC 1692c Communication in connection with debt collection until they provided me proper validation of debt pursuant to 12 CFR 1006 Regulation F. He hung up the phone as I was speaking. Before he hung up, he threatened and told me if I didn't pay the debt, they would put it on my credit report. I called the number the agent called me from back. A female agent of the company picked up. I confirmed to see if it was the same company. I told her what happened, and she was shocked by the actions of the agent I originally spoke to and transferred me to her " supervisor ''. I explained and he said that he would go back and listen to the recorded call. I told him that they must cease and desist calling me until they provide proper validation of debt and that what his agent did was a violation of my rights. He told me they won't do that. I have to request it in the mail.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

hello my name is XXXX XXXX. i am writing you to delete the following information in my file. These inquiries should not be furnished on my consumer report as they are a violation under 15 U.S.Code 1681b. I did not give permission nor written consent to any consumer reporting agency to report anything on my consumer report which violates my rights as a federal protected consumer. no consent is theft. The items I need deleted are listed below in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible. Inquiry Name : XXXX XXXX XXXX Inquiry date : XXXX Inquiry Name : XXXX XXXX Inquiry date : XXXX
Consumer complaint received 2023-09-04
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: Affirm Holdings, Inc (MD)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at Affirm. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that AFFIRM absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files immediately. Even though, my account is frozen, AFFIRM recently listed this account on my credit report without my knowledge. 
I provided a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to Affirm that are the result of identity theft. I also provided a copy of the CFPBs Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. In addition, I provided a copy of documentation pertaining to the Data Breach and Affirm completed Affidavit, along with a police report. 
The Notice also specifies their responsibilities when they receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information was provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
I suggested that they investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 

I've not received any type of documentation of report of their findings. Also, all the these fraudulent charges are still on my credit report. 
Date : XXXX XXXX XX/XX/2023 Amount : XXXX ( there are XXXX accounts adding up to {$4000.00} ) Company : AFFIRM
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to formally notify you that I have been a victim of identity theft, and unauthorized accounts have been fraudulently opened in my name. Pursuant to 15 U.S.C. 1681c-2 ( a ) and Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that you immediately block and delete all accounts listed below from my credit file. 
The fraudulent accounts are as follows : XXXX. XXXX XXXX  Account # : XXXX Opened on : XX/XX/XXXX Balance : {$17000.00} XXXX. XXXX XXXX Account # : XXXX Opened on : XX/XX/XXXX Balance : {$29000.00} XXXX. XXXX XXXX Account # : XXXX Opened on : XX/XX/XXXX Balance : {$37000.00} XXXX. XXXX XXXX Account XXXX : XXXX Opened on : XX/XX/XXXX Balance : {$9500.00} XXXX. XXXX XXXX Account # : XXXX Opened on : XX/XX/XXXX Balance : {$32000.00} XXXX. XXXX XXXX XXXX XXXX Account # : XXXX Opened on : XX/XX/XXXX Balance : {$340.00}
Consumer complaint received 2020-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

CapitalOne charged me back twice for a disputed charge that occurred in XX/XX/2019. Due to dissatisfaction with the merchant I contacted Capitalone to dispute the amount of XXXX $ they requested more information that was provided and then without giving mr the courtesy of a phone call or letter charged me back the amount twice!
Consumer complaint received 2020-04-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

someone else 's name and social security number is on my credit report and i do not know the person. 
have tried numerously since the last two received credit reports to resolve the issue
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

FULL CONSUMER FILE DISCLOSURE REQUEST PURSUANT TO 15 U.S.C. Section 1681g ( a ) ( 1 ) ( Not Request For Credit Score Report ) To Whom it may concern.

Kindly furnish me, in written form, with the complete array of information contained within my consumer file at XXXX, Transunion, and XXXX. effective as of the date upon receipt of this letter. This directive stands unaltered in accordance with the provisions outlined in 15 U.S.C. section 1681g ( a ) ( 1 ), and it remains subject to the purview of 15 U.S.C. section 1681h. I request that the initial five digits of my Social Security Number be discreetly masked in all documents that are returned to me.

Furthermore, I hereby demand the following : 1. In compliance with the mandate set forth in 15 U.S.C. section 1681g ( a ) ( 2 ), provide a comprehensive list of all sources from which information has been gathered for inclusion in my consumer file at XXXX, Transunion and XXXX. 

2. As per the stipulations of 15 U.S.C. section 1681g ( a ) ( 3 ) ( A ), furnish the requisite identification details of each individual or entity that has sought a consumer report on me from Experian, Transunion and Equifax.

3. In alignment with the provisions of 15 U.S.C. section 1681g ( a ) ( 3 ) ( B ), supply the name, trade name, mailing address, and telephone number of every person identified under 15 U.S.C. section 1681g ( a ) ( 3 ) ( A ).

4. In accordance with the dictates of 15 U.S.C. section 1681g ( a ) ( 4 ), present a detailed record inclusive of dates, original payees, and amounts pertaining to any checks within my consumer file at Experian that have been employed to cast an adverse characterization upon my credit profile.

5. Pursuant to the parameters delineated in 15 U.S.C. section 1681g ( a ) ( 5 ), furnish an exhaustive record encompassing all inquiries received by XXXX, Transunion and XXXX. in the preceding year ( 12 months ) leading up to the receipt of this request. Such inquiries should be linked to my identity in relation to credit or insurance transactions that I did not instigate. 

This request explicitly seeks a comprehensive disclosure of my entire file, encompassing both obsolete and archived information, in accordance with the allowances granted by the Fair Credit Reporting Act. It is essential to note that this represents my initial full file disclosure request for the current calendar year directed toward XXXX, Transunion, and XXXX. 

I extend my gratitude in advance for your prompt and meticulous attention to this matter. 

Sincerely,
Consumer complaint received 2023-09-04
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: MoneyLion Inc. (IL)

I went on the money lion website and started to set up an account then realized what it is and tried to delete it and it would not let me! I did not take a loan I just got part of the account set up had added my personal information and attached my bank account! I then deleted my bank account yet they had already pulled information from it showing my balances and today after three requests to them to close the account they again sent an email showing bills I paid recently!! I told them I would contact you, the IL Attorney General and FTC if they did not delete my account and information and they ignored me!! Please forward a copy to these other regulators and enforce the laws!!!
Consumer complaint received 2023-09-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (ND)

Dear CFPB, I hope this message finds you well. I am writing to bring to your attention a concerning matter regarding a series of attempted money transfers from the United States to XXXX, which have led to significant complications and remain unresolved. 

On XX/XX/2023, I initiated XXXX separate transactions with MoneyGram, each with the following transaction numbers : XXXX, XXXX, XXXX, and XXXX. Unfortunately, MoneyGram was unable to successfully deliver or deposit the funds, and these transactions were canceled without any prior notification to me. 

In my pursuit of a resolution, I engaged in a conversation with MoneyGram 's customer service on XX/XX/2023, and requested a refund for the undelivered funds. They assured me that a refund would be processed within XXXX hours. Regrettably, this promise was not fulfilled. 

Recognizing the ongoing delay and lack of communication, I reached out to MoneyGram once again on XX/XX/2023, as I had not received any updates or my promised refund. During this interaction, I was informed that a technical issue had been encountered, but the funds would be refunded within XXXX business days. It is important to note that this ordeal has persisted for more than XXXX months, causing immense frustration and inconvenience. 

Unfortunately, my efforts to resolve this matter amicably were met with rudeness and refusal from MoneyGram 's agents. Subsequently, in an attempt to retrieve my funds, I reported the situation to my bank, initiating a dispute process. In response to my action, MoneyGram has taken the drastic step of closing my account and has conveyed that, due to my dispute, they are unable to complete the refund. Furthermore, they advised me to contact my bank for any further information. 

To date, MoneyGram has not issued the promised refund, and my inquiries for information have yielded no results. Given the circumstances, I kindly request that an investigation be initiated to ascertain the status of these transactions and to facilitate the return of my funds. This situation has caused undue financial strain and distress, and I believe a thorough examination is warranted. 

I appreciate your prompt attention to this matter and look forward to a resolution as soon as possible. Please do not hesitate to contact me should you require any additional information or documentation regarding these transactions. 

Thank you for your assistance in addressing this issue. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-09-04
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: EQUIFAX, INC. (VA)

This is yet another complaint I am directed against XXXX and Equifax Credit Bureaus. It has come to my attention that XXXX and Equifax Credit Bureaus have not implemented certain changes in my credit reports. Consequently, I kindly implore the Consumer Financial Protection Bureau ( CFPB ) to assist me in promptly resolving this matter by fully removing the fraudulent inquiries. Here is the list of outstanding inquiries that require removal : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PRESTIGE FINANCIAL SERVICES INC (FL)

On XX/XX/2023 Prestige Accounting Financial Consultants debited {$500.00} from my checking account unauthorized. They've done this to me several times and I've explicitly requested that they don't auto draft from my account and that I will make payments by contacting them instead. My updated phone number is XXXX
Consumer complaint received 2023-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2023 I mobile deposited a paycheck to a new Capital One Bank account. I then called customer service to inquire about a hold the online system placed. I spoke to an individual who eventually called the issuing bank and verified the check was valid and the funds were available. I was told at that time that the hold would release the same day and the funds would become available. I waited until XX/XX/2023 and the funds were not available. I once again called Capital One Bank and was eventually transferred to a manager. The manager informed me the department that could release the hold was not in the office and i would need to call on XX/XX/2023 to speak to someone in that department. I asked the manager at that time if the department would be open on a holiday and was told yes they would. I called the direct number on XX/XX/2023 and the recording stated they were not open. I immediately called the customer service department and eventually spoke to a manager who repeatedly refused to provide any assistance and eventually hung up the call.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} ; XXXX XXXX XXXX XXXX XXXX {$21000.00} ; XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$31000.00} XXXX XXXX XXXX XXXX XXXX {$11000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$36000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$38.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} ; XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XXXX XXXX, XXXX I deposited a check for {$500.00} and cash amount of {$400.00} into Wells Fargo ATM # XXXX - the ATM froze, and then gave me my card back. The deposit email only showed the {$500.00} check deposited, and nothing about the {$400.00} cash. 
I went into the Wells Fargo XXXX # XXXX and told the banker what happened. They advised me to file a dispute with Wells Fargo so I did that immediately. 
I received a credit for the {$400.00} while the investigation was done. 
On XXXX the {$400.00} was reversed and the bank said the investigation showed no error on their part. 
They said theres nothing else they can do, and dismissed me. 
There should be camera footage of this transaction, as a business owner with this business account who deposits cash and checks often, I feel I cant rely on Wells Fargo to be honest about ATM transactions, and I cant get any assistance from Wells Fargo. 
The ATM should clearly show there was additional funds from my deposit, and if not there should be footage or records of my issue with the ATM, yet I cant get any resolution from Wells Fargo.
Consumer complaint received 2023-09-04
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: FORD MOTOR CREDIT CO. (CA)

I ordered my Ford XXXX  through XXXX XXXX XXXX addressed at XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX. I have tried asking about the different options between lease vs. loan also different downpayment options before the arrival date, but the salesperson did not want to engage in this conversation and would like me to talk to their finance department on the date my car arrived. 
On XX/XX/2023, my Ford XXXX finally arrived. After a test drive and walkthrough, I was introduced to the finance manager, XXXX XXXX XXXX. XXXX told me that my interest rate is 8.50 %, and by plugging into their program, my rent payment was calculated. I got confused and asked her to explain how they came up with the rent payment based on my interest rate. She couldnt and claimed that this was calculated by the program. I said fine and moved on. 
Then, XXXX started selling the extended warranty and service package totaling in the amount of {$3900.00}. She explained that this is a great deal if I purchase them now, and I can cancel them anytime and get my money back. I wasnt exactly sure if I wanted them, so I decided to purchase them and think about it later. This is after 2 hours at the dealership. 
In late XXXX, I decided to cancel these two add-on contracts, and I visited the dealership and talked to XXXX. She is fine canceling them, and the credit would go to my lien holder, Ford Credit. She said the credit would apply towards my last few lease payments, and I need to pay the scheduled lease amounts till the last few months of my contract. 
Supposedly, the cancellation should result in a credit NOW, and what gives Ford Credit the right to keep them and apply the same amount towards the end of 3 years? I believe I should be entitled to an annual accrued interest of 8.50 % if Ford decides to hold my refunded {$3900.00} credit. 
On XX/XX/2023, I emailed XXXX and shared my thoughts. She wanted me to call Ford Credit to get a clarification on the interest calculation method, so I called. Ford Credit customer service said this question should be addressed by the dealership finance person. And now nobody can answer my question.
Consumer complaint received 2023-09-04
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. (CA)

XXXX XXXX XXXX XXXXXXXX has been paid and closed since XXXX  but on my report, this is still showing with a balance. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative.
Consumer complaint received 2023-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to submit a formal complaint regarding inaccurate information on my credit report, which I initially contacted TransUnion about on XX/XX/XXXX. To date, I have not received any response from TransUnion regarding the dispute. I am providing the details of the inaccurate information and the necessary corrections below : The following account was never late : Creditor : XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$7000.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$89000.00} Please correct/update this inaccurate information on my credit report.
Consumer complaint received 2023-09-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

Continued calls on Sundays. I have asked not to call me on Sunday, if they need to speak with me, plus, I provided my landline telephone to call and or leave a message. On Sunday XX/XX/20XXXX XXXX  XXXX and XX/XX/202XXXX XXXX XXXXXXXX are the most recent Sunday calls. My payment are due on the XXXX of the month, I mail my payments because I am blocked logging into my account. Payment was made and email received from company. I receive calls, continuously after I payment is received and processed. This must stop. 

When I am in church and at work my phone rings from company.