davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MN)

I was the victim of a fraudulent wire transfer scam in the amount of {$12000.00} on XX/XX/. I received a call identified as coming from Wells Fargo and the man on the phone gave me a name and identified himself as an employee of Wells Fargo. He said he was calling about some suspicious activity on my account. He referenced transactions taking place in Florida, several legitimate transactions ( he had access somehow to my checking account information ) and this supposed wire transfer or {$12000.00} to someone named XXXX XXXX. The scammer said that we could reverse the wire transfer by completing some steps on the phone, He told me that he'd be sending me several six-digit numerical codes that I was to key into the phone to verify the steps, the first one being to verify my identity. I learned later that by entering these six-digit numerical codes I was somehow giving the scammer access to my online banking account. I'm not sure how these six-digit codes were translated into authorization for access. After realizing that these six-digit codes ( provided in Wells Fargo texts ) also allowed him to generate a wire transfer, I immediately called the telephone number provided by Wells Fargo on the confirmation email - XXXX. After traversing a lengthy voice messaging system, none of which was related to fraud, I reached an agent. I instructed the agent to immediately freeze all of my Wells Fargo accounts, no transactions were to happen with any of my Wells Fargo accounts. She said she'd freeze them but that I should go into a branch to close the accounts. I went to the closest WF location. There were two people in the entire branch, neither of whom could help me. They called someone " from the back '' who should be able help but when he came out he informed me that the Wells Fargo system was down and I'd have to go to another branch. I drove 20 minutes to another branch where I learned that my accounts had not been frozen. The wire transfer transaction status online was pending so I was hopeful that it could be reversed. This branch was very helpful in helping me reach the Fraud department at Wells Fargo and I filed claim. I received a letter dated XX/XX/XXXX from Wells Fargo stating that because the transfer happened using my user name and password I was responsible for the loss of the {$12000.00}.
Consumer complaint received 2023-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (FL)

An account that does not belong to me appears on my credit report, I have asked them to prove that the debt belongs to me and they have not answered me, I have disputed with the CRA agencies but they only indicate that the debt is verified ; I have called IQ DATA to tell them that they are making a mistake, but they have ignored it. In my last communication, they only asked me for the amount that I was willing to pay to solve this, I have informed them that they are confusing the person and continue to insist that we must reach an economic settlement. I have asked them for proof that the debt is mine and they have never provided it to me. When I call them and give them my information, they refer me to one person or another because it is not easy for them to locate the alleged debt until they contact XXXX XXXX XXXX and he tells me that the only way to solve this is by coming to a payment amount.
Consumer complaint received 2023-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

In XX/XX/2020, I co-signed for a one-year lease for my daughters in XXXX, Virginia. The apartment 's monthly rent was {$2700.00}. My daughter 's made monthly payments with money orders from XXXX XXXX. I made sure of this. 

In XX/XX/2020, the complex emailed my daughters, stating that {$6300.00} was owed. This was impossible because I personally made sure that the full amount of rent was paid through money orders. If {$6300.00} ( or even close to that amount ) was owed, why were they not notified of this prior to XXXX? Wouldn't there have been some sort of eviction if any of this was accurate? 

My credit report is now stating that I owe {$16000.00} to the apartment 's collection agency. This is not only incorrect, but also unethical and illegal. {$6300.00} was not owed to begin with, but how could {$16000.00} be owed now? 


Upon checking the apartments current XXXX reviews, they are known to " lose '' money that their tenants place in their drop box.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IL)

LEXIS NEXUS sold my credit information on or around XX/XX/2014 to the three major credit Bureaus and other companies, and this is hurting my credit score, and I'm not receiving a fair chance at credit worthiness. The original company does not report bankruptcies to credit bureaus.
Consumer complaint received 2023-08-14
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. (GA)

I've been going back and forth on numerous occassions with XXXX, Experian and XXXX regarding Bankruptcies placed on my credit report. ref # XXXX and XXXX. Based on the letter I received from United States Bankruptcy XXXX XXXX XXXX XXXX Georgia stating that it does not provide information to credit reporting agencies. Due to Bankruptcy cases information being available for any interested party to review. According to 15 U.S. Code 1681b - Permissible purposes of consumer reports : ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. They need my written consent to add anything to my consumer report. I didnt give any permission nor consent or authorization for this action to take place on my consumer report. This is a violation to the Fair Credit Reporting Act. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports, No adverse items besides the conviction of crimes should be on your report, any items that is a derogatory mark is not allowed into consumer reports this is another violation. 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-22
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. (FL)

The following items are still shown on my credit report after several written requests, which is against the FCRA. The Bureaus did not sufficiently comply with the Fair Credit Reporting Act, 15 USC sections 1681i, within the timeframe required by law. They continued to provide unsubstantiated and unverified facts even after engaging a third party as their verification source to explore the problem. Given my attempts to personally address it with 3 CREDIT BUREAUS, they are being deliberately neglectful and breaking the law, and I need this issue to be remedied as soon as possible. I need the following components removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$3800.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$1400.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-04-05
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. (NJ)

Please dont close this complaint down this is a real complaint made by me a human being. so i noticed some accounts on my credit that i did not sign up for and i called the creditors and they can not produce a contract with my signature on it and then i reached out to the credit bureaus and they did not remove the identity theft either. so now im doing this complaint with you guys to hopefully get things taken care of.
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (RI)

I shall begin by saying this is a cease and desist letter to the companies XXXX XXXX XXXX, XXXX, EQUIFAX, AND XXXX. I am seeking Monetary Relief because my rights under the FCRA have been violated by XXXX XXXX XXXX ( 15 U.S. Code 1681n - Civil liability for willful noncompliance ). This company has been reporting to all 3 credit bureaus that my account has been charged off however, they have been constantly harassing me via email to make a payment. Below I have attached proof of how the account is reporting on my credit report which is also accurate for the other bureaus and I've also attached proof of them emailing me today XX/XX/ saying that I owe a payment. I would like this account IMMEDIATELY deleted and removed from all 3 credit bureaus as this is a CLEAR violation of my rights. This corporation is trying to profit from the government as I assumed they filed a 1099C for this " debt '' and they are also trying to profit off of myself as a consumer since they are STILL asking me to make a payment. HORRIBLE HORRIBLE HORRIBLE and shame on them!!! I would also like to receive monetary relief from the 3 major credit bureaus as I have reported MULTIPLE times that this company has been violating my rights and all they have done was validate the account without any explanation as to HOW they validated it. I'm confused because I was under the impression that these credit bureaus have an obligation to the CONSUMER but it looks like they are working together with these major corporations to try and profit off of poor consumers as this account has cost me thousands of dollars in interest. I will take legal action if this account is not removed and deleted within 15 days off of all 3 of my credit reports as there is no excuse or explanation that can justify such violation!!!
Consumer complaint received 2021-04-19
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: Experian Information Solutions Inc. (IL)

please remove all fraudulent accounts as i have no knowledge of them. due to the XXXX data/identity theft breach my identity was compromised. According to FCRA 605B this information must be blocked immediately until investigation is over
Consumer complaint received 2021-04-19
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. (GA)

I do not recognize account and inquiries I have in my credit report. I am kindly asking you to check this information on identity theft issues. Couple of months ago I became victim of identity theft someone just used my personal information and therefore as a result I have unknown items in my credit profile. So I hope you can do something towards it and remove all these unknown fake accounts and inquiries. Thank you so much
Consumer complaint received 2023-08-23
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: I.C. System, Inc. (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-03-28
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. (CA)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (CA)

On XX/XX/XXXX I have contacted Upgrade , Inc. to confirm receipt of a balance transfer in the amount of {$4000.00} from my Upgrade card account # XXXX to my XXXX XXXXXXXX XXXX credit card. The transfer was initiated on XX/XX/XXXX. Upgrade claimed that the balance was not transferred and they put me through many hours of phone calls and requests to have this investigated. This entire time, my balance has reflected as {$4100.00} on my credit report. As of XX/XX/XXXX, my balance on my Upgrade Statement has reflected {$0.00}, which confirms that the balance transfer posted, but they still at this point have not updated my credit report to reflect that my balance is {$0.00}. I attempted to get this corrected with the credit reporting agencies and only XXXX updated by credit profile based on the evidence I provided. XXXX and XXXX still has not updated my balance to the correct {$0.00} balance. On XX/XX/XXXX, I reached out to Upgrade, Inc. via email and provided them with the evidence of the cleared check that XXXX XXXX XXXX provided me. Note : per my request I requested for XXXX XXXX XXXX to conduct an investigation. Upgrade , Inc. said that they would update the credit report and it will take 45 - 60 days to reflect on the credit report. Per the evidence provided by XXXXXXXX XXXX XXXX, the check cleared on XX/XX/XXXX. At this point the 45 - 60 day period has passed twice and my credit report for XXXX and XXXX still reflects that I have a balance of {$4100.00}. I only want the balance to reflect the correct balance of {$0.00}.
Consumer complaint received 2023-06-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XX/XX/2023 XXXX XXXX XXXX was added to my credit as a debt I owe when I dont owe anything to them that account doesnt show up on any of my credit report beside transunion I dont understand why its hasnt been removed.
Consumer complaint received 2023-05-31
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: LOBEL FINANCIAL CORPORATION (FL)

I hope this letter finds you well. I am writing to request your assistance in obtaining a 1099 statement for the tax year 2022. While reviewing my financial records, I discovered that there is an account with LOBEL FINANCIAL CORP that has been charged off, and I need the corresponding 1099 statement to accurately report the taxable income. Based on my understanding, a charged-off account signifies that the bank has deemed the debt as uncollectible. However, as the account holder, I still need to report the charged-off amount as taxable income in accordance with the Internal Revenue Service ( IRS ) regulations. Therefore, I kindly request that you provide me with a 1099 statement for the charged-off account, detailing the necessary information to properly report the taxable income. This statement should include the charged-off amount, any applicable interest, and other relevant details as required for tax reporting purposes. I understand that obtaining the 1099 statement for a charged-off account may involve a different process or require specific documentation. If there are any forms, declarations, or procedures that I need to complete to facilitate this request, please provide me with the necessary instructions or guidance. I am more than willing to provide any additional information or documentation that may be required to expedite this process. As the tax filing deadline is approaching, I kindly request your prompt attention to this matter. Ensuring accurate tax reporting is essential to me, and I greatly appreciate your cooperation in providing the necessary documentation in a timely manner. If you require any further information or have any questions regarding this request, please do not hesitate to contact me at your earliest convenience. I am available to provide any additional details or clarification that may be necessary. Thank you for your understanding and prompt attention to this matter. I value the services provided by LOBEL FINANCIAL CORP and look forward to resolving this issue so that I can fulfill my tax obligations accurately. Sincerely, XXXXXXXX XXXX XXXX
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There is personal information on my credit report that does not belong. According to the fair credit reporting act 15 U.S.C. 1681 I have the right to privacy. Also according to 15 U.S.C. 6802. No financial institution is supposed share my information with third party people.

These are clear violations of my federally protected consumer rights
Consumer complaint received 2023-05-31
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. (IL)

I HAVE FILED A FTC IDENTITY THEFT REPORT AND I SENT IT TO XXXX, TRANSUNION, AND XXXX ALONG WITH ALL THE DOCUMENTATION NEEDED TO SUPPORT MY CLAIM AND THEY REFUSE TO BLOCK/DELETE THE ACCOUNT DISPUTED DUE TO FRAUD. 

15 USC 1681c-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT : ( a ) 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 RECIEPT BY SUCH AGENCY 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 I HAVE MET ALL 4 OF THESE ITEMS ABOVE AND THE ACCOUNT IN QUESTION SHOULD BE BLOCKED/DELETED IMMEDIATELY!
Consumer complaint received 2023-05-31
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. (TX)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.
Consumer complaint received 2021-03-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

i am a victim of identity theft, I am a person and not a third party, I XXXX XXXX born XX/XX/1977 am sending in this complaint my self to have a fraudulent account removed and i authorize experian to fix this issue
Consumer complaint received 2023-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to ask you to remove the current fraud alert customer statement on my XXXX and Transunion report. All issues were resolved a month ago and now Im trying to refinance my car and this alert is causing approval issues. Please remove this alert asap please. 
Thank you for your prompt attention to this matter.