davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc. (PA)

I had to claim bankruptcy and w as discharged back in  XX/XX/XXXX . Af ter that we moved from  XXXX  to  XXXX .  XXXX   utility company was  included in this BK. This past month I get a collection on my credit report with   XXXX   XXXX   for {$560.00} with original creditor being  XXXX  and opened   XX/XX/XXXX . We   have not lived in   XXXX    ( wh ere  XXXX  is provided ) sin ce  XX/XX/XXXX a nd they were included in the Chapter  XXXX  bankruptcy. Their only contact was this collection put on our credit report. It states their information is   XXXX   XXXX   XXXX   XXXX     WA  XXXX . I ca n't even do a certified letter to them as they only have a  XXXX   XXXX   .
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-05-29
Product: Credit reporting, credit repair services, 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. (NJ)

Unauthorized hard inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (WI)

I saw WF/FMG on my credit report. I called and was told that the account was closed and the message on the report states " refused to pay ''. I told them I do not remember opening this account. The agent said it is closed and even if I wanted to pay, they could not accept payment. He stated that some Wisconsin statue said it was past the limitations to collect. He said the statue will not let them collect after six years. The account was supposedly open in XXXX. I said it is only five years and its not mind. I disputed the account and was told I could not pay if I wanted to and it would stay on my report until XX/XX/XXXX. I am in the process of purchasing a home and this has been a total nightmare. I am a 100 % XXXX veteran and could not believe the treatment I received. I asked for something in writing and was told they could not furnish me with any documents.
Consumer complaint received 2022-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

More than XXXX months ago Bank of America changed the PIN number of my debit card without without any previous notice. About XXXX weeks ago I contacted Bank of America and asked them to provide me the new PIN number because Bank of America was asking me for the number in order to process wire transfers to other bank accounts. The Bank of America representative told me that I had to stop by a BoA branch in order to reset my PIN number. I told him that I was residing abroad and that I could not travel to the US just to reset the PIN number of my debit card. The BoA representative told me that they were going to mail the new PIN number via regular mail but I asked him to mail the new PIN via express mail because BoA was asking me the PIN number to process a wire transfer. The BoA representative refused my request and reiterated that they were going to mail the new PIN number vial regular mail. I have been waiting for more than eigth weeks for the new PIN number but new the PIN has not arrived yet. Not having the new PIN number of my debit card is very inconvenient for me because I can not make payment or transfer funds from my account at Bank of America to other bank accounts. 

I will appreciated if you look into this matter and help me to resolve the problem with Bank of America.
Consumer complaint received 2019-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (MO)

I never received any notice for them company. I called advised the collector I was a victim of identity theft & I do not have a contact or agreement with a Wet signature from their company or client. The collector continued to overshadow me by speaking over or cutting me off. I told her this Remark was placed on my credit. She said were not removing it & I need to check with my post office they sent a letter. Which is not validation or a contract. I am requesting this removed from my credit unless a contract with my signature an be provided from LJ collections agency.
Consumer complaint received 2017-07-26
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: EQUIFAX, INC. (AL)

I contacted Equifax in XX/XX/XXXX/XXXX of 2017 and informed them that I was a victim of identity theft and there are some fraudulent accounts that are appearing on my credit report as a result of this. I contacted all the departments at these companies that are appearing on my credit report and they are unwilling to assist me in this process and tell me it does n't matter if it is identity theft, I am still responsible because they have identifying information. I have exhausted myself trying to get this information correct and they are just not heling. I recently filed a complaint with the FTC and have filed an identity theft report with the FTC. I have faxed over this information/copy of the report to Equifax and asked them to remove/delete the negative, false, derogatory information that is appearing on my credit report. According to the FCRA section 605 a & 605 b it is the responsibility the block/delete the inaccurate information I am claiming. here is a list of the accounts that I am disputing : I am writing this letter to request Equifax block the following creditors from reporting FALSE, DERGORATORY, INACCURATE information to the credit bureaus. According to the Rights Under the FCRA of Victims of Identity theft please BLOCK the following : 1 ) XXXX XXXX partial account number XXXX amount {$1200.00} 2 ) XXXX XXXX partial account number XXXX amount {$1300.00} 3 ) XXXX XXXX XXXX partial account number XXXX amount {$2000.00} 4 ) XXXX XXXX partial account number XXXX amount {$650.00} XXXX ) XXXX XXXX partial account number XXXX amount {$150.00} 6 ) XXXX XXXX XXXX partial account number XXXX amount {$850.00} STATEMENT OF CLAIM : I, XXXX XXXX XXXX, am a victim of identity theft and as a result a number of accounts have been opened in my name. I would like the creditors listed in this document blocked from reporting inaccurate, false, derogatory information to the credit bureaus immediately. According to the FCRA section 605 ( a ) ( b ) these accounts must be blocked/removed
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX XXXX  XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$62000.00} XXXX  XXXX XXXX XXXX  : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX  : {$890.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX XXXX  : {$350.00} XXXX XXXX XXXX XXXX  XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX # XXXX in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX Act. # XXXX in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX, XXXX Act. # XXXX in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXXXXXX XXXX XXXX # XXXX in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX & XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX  XXXX  XXXX in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (NY)

On XXXX XXXX ; PayPal deposited a sum of {$3500.00} into my PayPal account. The money was accidentally transferred. PayPal took out {$100.00} depositing fee and then credited {$3500.00} back, causing insufficient funds in my palpal, and then tried to withdraw {$3500.00} from my checking account! They realized their mistake, and basically said oh well, not our fault!!! 

They credited back the {$100.00} to get my PayPal balance up to the refund amount, but will not return the funds to original party. 

I now have {$3500.00} of someone elses money in my account, plus a checking account ( XXXX XXXX XXXX locked! I cant refund money, cant get PayPal to stop hitting my accounts for their mistake, and XXXX XXXX  refuses to unlock my account! I have declined bills due to auto pay, and no access to my funds! 

This has been ongoing for 5 days now, getting the run around from bank to bank, with no Resolution.. 

1 ) Unlock my XXXX XXXX  account ( XXXX XXXX  ) 2 ) refund the money PayPal accidentally deposited 3 ) clear this matter quickly so I can re-instate my auto pay and direct deposit This would of never happened if PayPal followed a simple protocol 1 ). Before depositing, a verification of accepting the funds to prevent this from happening 2 ) not removing their fees on refunds or suspicious activities 3 ). Being able to stop direct withdrawals and reverse charges.
Consumer complaint received 2022-09-13
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: Experian Information Solutions Inc. (PA)

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX Balance : {$590.00}
Consumer complaint received 2022-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

A few months ago i noticed over XXXX auto loan inquiries on my experian credit report. I know it was fraudulant because I am not in the market for a new car. I bought my car back in 2019 and have not applied for loans since then. I printed off all of the information that experian requires for disputes and i sent it to them via USPS certified mail. I explained to them that none of these inquiries were made by me and are fraudulant. I further explained that if they are not connected to a account on my report then I want them removed. out of the XXXX fraudulant inquires they removed XXXX! Having that amount of inquires on my report is affecting my score ( which im in the process of re-building ) and its making things difficult for me. 

XXXX of them are from ( XXXX XXXX ) XXXX of them are from ( XXXX XXXX XXXX ) XXXX are from ( XXXX  XXXX XXXX ) XXXX are from ( XXXX  XXXX ) XXXX are from ( XXXX  XXXX ) XXXX are from ( XXXX XXXX ) XXXX are from ( XXXX XXXX ) XXXX are from ( XXXX XXXX ) XXXX are from ( XXXX XXXX XXXX XXXX XXXX from ( XXXX XXXX ) XXXX are from ( XXXX XXXX ) XXXX are from ( XXXX XXXX XXXX ) Those are XXXX inquires that I did not make! and experian refuses to REMOVE. these inquires were made fraudulantly in my name. Those are just the ones that stuck out to me because there are so many so I may have missed some. All I want is these removed from my credit. This has had a negetive impact on my life and i have had to apply security freezes to multiple reporting agencies including locking my credit report with experian becasue im scared its going to contine due to their lack of help.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my follow-up complaint about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (OK)

Hello, Upon looking at my credit report i see an inquiry was made on XX/XX/2018 from Wells fargo. I did not authorize this inquiry to on my credit report and i Have a security freeze on all my credit report which require anyone to verify anyone attempting to use my Social security number to contact me first before opening any new account. I am asking that this inquiry be removed from my report immediately. Thank you.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2021 XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9600.00} XXXX XXXX XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

XXXX XXXX AND IC SYSTEMS is reporting an account created in 2013 from ID THEFT which is in violation of California Statute of Limitations Fraud 3 yrs. Civ. Proc. 338 ( d ) Collection of Debt on Account 4 yrs. ( book and stated accounts ) Civ. Proc. 337.

I am requesting a block " FCRA '' 605B ( 15 U.S.C. 1681c-2 ) ( a ) ( 2 ) Block of information resulting from identity theft. Block, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.
Consumer complaint received 2022-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I am traveling abroad in XXXX with my XXXX XXXX XXXX credit card. In order to re-enter the united states, I need to book a COVID test online. When I try to make an online purchase with my credit card, it asks me to verify with a text message. My US XXXX does not have coverage in the country I am in, so I am unable to recieve the code and complete the transaction. Today I experienced this and it almost made it so I was trapped in a foreign country. I brought this concern up with Capital One support a few weeks ago, but they told me there was nothing they could do about it. It is false advertising that a credit card advertised as a travel credit card is unable to be used for online purchases when abroad. There is nothing that clearly states this " seperate cell phone service required to make purchases abroad '' is needed.