davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-14
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RentDebt Automated Collections, LLC (FL)

What Happened : I am disputing fraudulent information that was added to my credit report as a result of identity theft. I am a XXXX XXXX XXXXXXXX XXXX, and certain accounts and debts were incurred without my knowledge or consent while XXXX XXXX XXXX XXXX. The disputed accounts include charges from XXXXXXXX XXXX XXXX XXXX  and a collection from RentDebt Automated Collections ( XXXX ), which is reporting inaccurately. This collection was the result of theft and has been reported to the police. Additionally, various incorrect personal details, such as name, address, and employer information, have been falsely reported. 

I have provided a police report that documents the criminal activity that led to this situation, and I am requesting the immediate removal of the fraudulent accounts, including the RentDebt collection, in accordance with the Fair Credit Reporting Act ( FCRA ) and the Trafficking Victims Protection Act ( TVPA ). 

I have also requested rapid rescoring to ensure my credit report is updated promptly, as well as written confirmation of the removal of these items once the investigation is complete.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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 2024-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (TX)

DIVERSIFIED ADJ SVC XXXX ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1100.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-07-18
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. (FL)

Dear Sir/Madam, Subject : Request for Immediate Removal of Unauthorized Inquiries Hi, I noticed some unauthorized inquiries on my credit report and, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, I request that they be removed immediately. The unauthorized inquiries in question are : 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 XXXXXX/XX/XXXX These inquiries were made without my knowledge or consent, and as such, they are not valid. Under the FCRA, specifically 15 U.S.C. 1681b, only authorized inquiries with my explicit permission should appear on my credit report.

Please investigate and remove these unauthorized inquiries from my credit report promptly. Additionally, I request that you provide me with written confirmation once these inquiries have been removed. 

Thank you for your immediate attention to this matter. I look forward to your swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I am writing to bring to your attention a pressing matter that has been causing me significant distress and financial inconvenience over the past XXXX months. It has come to my notice that there is a fraudulent credit card account listed on my credit report, which is negatively impacting my credit profile. 

I have been in contact with both [ Credit Bureaus and XXXX XXXX XXXX XXXX multiple times to rectify this issue, providing all necessary documentation and evidence to support my claim of fraudulent activity on this account. Despite my efforts and repeated requests for investigation, the erroneous information continues to be reported on my credit profile.

This inaccurate listing is damaging my credit score and hindering my ability to access financial services and products that I need. I have taken all necessary steps outlined in the Fair Credit Reporting Act to dispute this fraudulent account, yet the resolution of this matter remains pending.
Consumer complaint received 2021-11-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (CA)

On XXXX Capital Accounts called me to collect a debt that belonged to my daughter. I proved to them that the debt was not mine but instead ignored the proof and place the collection of {$280.00} on my account. The debt belongs to my XXXX year old daughter. Date of service is XXXX
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bridgecrest Acceptance Corporation (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It may concern : I am contacting Consumer Financial Protection Bureau to that my identity has been stolen and used for fraudulent purposes. 

To confirm my identity, my social security number is XXXX and my birthdate is XX/XX/XXXX. 

Someone has stolen my identity and used that information to engage in the following type ( s ) of fraudulent transactions : Credit card accounts Checking and/or savings accounts Loans Utility accounts Investment accounts XXXX XXXX Internet and /or email accounts Government documents and/or benefits XXXX XXXX XXXX XXXX Additional forms of fraud as follows : I have suffered the following forms ( s ) of harm and consequences because of this identity theft : A civil suit or judgment has been filed against me. 
I was denied bank, investing, credit, or other financial services. 

I do not have any information about who I believe to be the identity thief. 

I have contacted the following credit bureau ( s ) of the identity theft to report the incident to have false inquires and fraudulent accounts removed. 

I have contacted the authorities at the following police department XXXX located in the state of Alabama and filed a police report. A copy of the report is enclosed with the letter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I believe Bank of America closed my account for the wrong reason. On XX/XX/year> ; I received a notice that my account balance was low, so I immediately thought maybe someone hacked my account. I called the bank 's customer service number and after talking to 3 different customer service agents, I was informed that my checking and savings accounts have been closed because i failed to update my information online. I know this is a bogus lie because, I logged in the account online and updated and confirmed my information twice litterally as soon as I found received the request to update the info. This is an account that was opened 14 years ago. Both accounts were closed without notice.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 5 separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a charge account opened at XXXX XXXX opened XX/XX/XXXX under the account number XXXX, an secured loan account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX under account number XXXX, an secured loan account opened at XXXX XXXX on XX/XX/XXXX under account number XXXX. Theses accounts have resulted in several fraudulent hard inquiries and collections appearing on my fraudulent items be removed from all reports These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-06-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I received a physical credit card bill of {$490.00} for XXXX signature account number XXXX from Bank of America on my registered mail address. 

I just have a checking account of bank of America, Never applied for or received any credit card from Bank of America. I do check my ssn enquiry report reqularly, and never received a new SSN enquiry alert in last 2-3 months. When I go to my Bofa Web login, I also don't see any mention of this credit card any where. 

It's an amazing sophisticated fraud that how Bofa opened a credit card on my name without my consent and without any trace of ssn inquiry, or 2 factor authentication. 

I see someone already got a hold of the card and even made a transaction on XXXX XXXX store ( ref no XXXX )
Consumer complaint received 2024-09-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I applied for loan consolidation and an income-driven payment plan ( XXXX  ) on XXXX XXXX. I complained to MOHELA on XX/XX/year> about being taken off of the XXXX payment plan. I was told I would be placed on a 60 day administrative forbearance while they processed the correction/income-driven payment plan application. On XX/XX/year> I received a billing statement for a standard repayment plan due XX/XX/year>. I called yesterday, XX/XX/year>. I was placed on hold several times and the call lasted over an hour without resolution. I was directed to studentaid.gov where I read to the agent from the website, If the borrowers application is not processed within 60 days, the borrower will be moved into a general forbearance that does not count toward PSLF or IDR until their application is processed. Interest will not accrue in this general forbearance. I asked if I would be placed an interest-free general forbearance because my IDR application had not been processed within 60 days. I was told NO. I was told I could only be placed in another processing forbearance, that would generate interest, with the XXXX  that I could ONLY be placed in this processing forbearance IF I called AFTER XX/XX/year>, when my current processing forbearance expires but BEFORE XX/XX/year>, when my current payment is due. This is contrary to the guidance I reviewed on XXXX, as well as extremely inconvenient to require me to make an additional ( the third! ) hour long phone call ONLY on XX/XX/year>, otherwise I will be assessed late fees and penalties for MOHELAs own inability to place me in a general forbearance as required.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear XXXX, Subject : Request for Immediate Removal of Charge-Offs Due to Violations of 15 USC 1692g and 15 USC 1681 I am writing to formally dispute the accuracy of the following charge-off entries on my credit report. This agency is in violation of 15 USC 1692g, which requires them to notify me in writing within XXXX days of their initial communication regarding these debts. I did not receive any such notification. As the original creditor, only I can validate this debt, and I do not validate it. Therefore, these accounts must be deleted from my report immediately. 

The accounts that need to be deleted are : XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX The reporting of these accounts constitutes a violation of 15 USC 1681 and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ]. I request that these charge-off entries be investigated and removed from my credit report immediately. The reporting of these accounts without proper validation and notification is not only inaccurate but also unlawful under the aforementioned sections of the Fair Credit Reporting Act. 

Please conduct a thorough investigation of these accounts and provide me with written confirmation of their removal. I expect this matter to be resolved promptly, as it is impacting my creditworthiness and financial wellbeing. 

Thank you for your immediate attention to this matter. I look forward to your swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: First Technology Federal Credit Union (TX)

I closed a previous account and received a check for the remaining funds in my account. I opened an account at First Tech Federal Credit Union on XX/XX/2024 and funded the account with a transfer from a savings account. On XX/XX/2024, I made a mobile deposit of this check for {$22000.00} to my account. The mobile deposit limit is {$50000.00}, so I assumed it would be fine. I made the mobile deposit and immediately received a notification that my account was frozen and temporarily suspended and I was unable to access my account in any way. I called the bank and they told me I was suspected of fraud. On XX/XX/2024, I sent the fraud dept a copy of the email from my previous bank confirming that the amount of my returned funds check, a copy of where I had gotten the funds from for my social security payment, and a copy of the entire check, including the paystub. I also sent them a copy of my drivers license, my social security card, and a copy of my utility bill that contained my home address. I was told that my account would remain frozen for 45 days while an investigation takes place. I stressed that I had proven my identity, proven the validity of the check, and shown proof of where I had gotten the money. I was told that I needed to be patient and they have lots of claims to investigate and they will get to mine eventually. Meanwhile, I have no access to my account, or my money. First Tech Federal now holds over {$22000.00} of my money and refuses to give me access to it.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Ive been trying to communicate my concerns regarding the inaccuracies on my credit report for months now but to no avail, this is an issue that I want to be addressed and this complaint is obviously not a mistake or sent in error. These are challenging times and the circumstances are not in my favor, the burdens keep piling up which continuously impacts my life negatively, having these inaccuracies corrected or removed from my credit report will be immensely helpful.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my new account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.

Here is the item I am asking you to verify as accurate : 1. ) Account Name : XXXX  XXXX Account Number : XXXX 2. ) Account Name : XXXX Account Number : XXXX 3. ) Account Name XXXX Account Number : XXXX 4. ) Account Name : XXXX XXXX XXXX Account Number : XXXX 5. ) Account Name : XXXX XXXX XXXX Account Number : XXXX 6. ) Account Name : XXXX XXXX XXXX Account Number : XXXX 7. ) Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (MA)

I provided the reasons for disputing the information. I have enclosed it again Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have tried with the creditors and the XXXX XXXX me again to the credit agencies and when I finally reached them the have make calls backs and never do Help me please
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLIANT CREDIT UNION (NY)

On XX/XX/year>, XXXX allowed Alliant Credit Union to withdraw {$1000.00} from my checking account. This is despite the fact that I have absolutely no relationship with Alliant. I filed a complaint with XXXX and the money was replaced after month. ( Calls to Alliant were unsuccessful and I was told they would only deal with my financial institution ). I have called XXXX 8 times to find out how they allowed Alliant to steal {$1000.00} from my account with no authorization and, to date, have had no response whether this was fraud by the Credit Union or the Bank or a horrible mistake. In my mind it is unconscionable that a Bank should allow another institution to steal money from a client without the Credit Union determining its validity. Since XXXX refuses to tell me any reason for this activity, I am appealing to your institution to help me. I would like to know how Alliant stole this money, kept it, and refused to answer any of my questions about the transactions. 
Thank you
Consumer complaint received 2024-06-21
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX XXXX XXXX XXXX Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 


Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX Best regards, XXXX XXXX