davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (CA)

I received a mailed notice from Wells Fargo stating that they would close my small business credit card account if I didn't provide my most recently filed tax forms. I've had this credit card for many years. I've never had to provide anything like this for any of my credit cards. I called customer service and they couldn't provide anymore info then what was listed on the notice. I went into a branch and spoke with a small business banker and they didn't understand the request either. The banker also called support and they said the same thing that I needed to fax them my most recent tax return. I work freelance which is listed in the name of my account so my tax forms are under my ssn. Also, I'm married and file jointly with my husband. Neither of us are comfortable giving the bank our full tax return. I've had my small business checking and savings accounts for as long as the credit card. And I've been with Wells Fargo for decades. This is just a ridiculous request and even more ridiculous that no one at Wells Fargo can tell me what the problem actually is. I hope CFPB can help clear this up.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

After analyzing my credit record, I discovered a slew of incorrect names, aliases, and residences that did not belong to me. I want to make sure that you are only reporting and retaining correct and genuine information on my credit report in accordance with FCRA standards. Please update any erroneous names, aliases, or addresses in my report. The following is my correct information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX
Consumer complaint received 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CLGF Holdco 1, LLC (AZ)

On XX/XX/XXXX I applied for a Milestone Mastercard. On XX/XX/XXXX I called in as I never received the card and asked for a replacement. On XX/XX/XXXX I received a letter in the mail dated XX/XX/XXXX stating that they have blocked my account and put a hold on any replacements until I send in proof of identity. I had made no changes to my account. The only changes were processed by Milestone when USPS sent them confirmation that I had moved addresses. I sent over the documentation same day I received the letter via fax. On XX/XX/XXXX I called in and they stated they have yet to receive the documentation and to wait 5-7 business days which is up from the 2-3 business days they told me to wait when I called XX/XX/XXXX. Whats even more upsetting is even though the card isnt active and not in my possession, they charged me a annual fee and have issued a statement so now the account is showing on my credit portfolio with a balance. There should be no reason a block should have been put in my account when I personally made XXXX changes to my account. They stated they mailed the card XX/XX/XXXX the same day they mailed the letter but the letter contradicts this by stating any replacements would be on hold until identity is proven. Seeing how its is now XX/XX/XXXX I believe the letter is true. I just need the card and this situation rectified as they stated they would close the account in 30 days if documentation isnt received and it has already been 2 weeks. And a month and half since the application has been approved and I havent even used the account
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my XXXX XXXX XXXX I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2023-09-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC. (OH)

Good Day, I am having an issue with a bank that involves an auto loan with Santander Consumer USA. I submitted a complaint with The Attorney Generals office and XXXX  in regards to this company. Billing me for my auto loan in which the bills were paid by the cut off date of the XXXX of each month. However, what the company say I was billed for was not applied to my account. Which prompted me to initiate a complaint as mentioned. I was billed for late fee which in fact I was not late. Some of the late fees were waived and or credited however there have been payments that were made and not credited to my auto loan. I asked for an extension for the payment for the month of XXXX. I was told that I could not be assisted because I filed a complaint with The attorney Generals office, not for no other reason explained from the XXXX office of this company per the representative on XXXX the XXXX XXXX. I was told that I needed to fax in a letter stating I am no longer in litigation which I am not but I needed to accept their terms to be assisted with The extension. I need to know where exactly should this new complaint be filed. 

Respectfully, XXXX XXXX XXXX XXXX as of today I was told I could not get an extension due to not paying XXXX consecutive payments. My. Account was current when I requested the extension back in XXXX for XXXX. I was told I needed to fax in a letter stating that I was no longer in litigation to get assistance. I have not received any responses via email after repeated request nor via postal mail. 

It appears that I was discriminated against because I filed a complaint about wrong doings and faulty practices of Santander Consumer USA. 

My issues with my auto loan The loan was established in XX/XX/XXXX for a XXXX XXXX XXXX for {$27000.00}. My loan balance is still {$25000.00} with monthly payments of {$710.00} with 1 or 2 payments deferred. I believe that I am a victim of abusive loan terms on borrowers, including high-interest rates, high fees, A targeted vulnerable individual with poor credit, low income when the loan was established Discriminatory / PREDATORY lending practices were used. I have paid over {$15000.00} on car payments thus far. My balance does not reflect hardly any of those monies. Its a issue at this point.
Consumer complaint received 2024-07-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am filing this FTC Identity Theft Affidavit to report 6 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 An personal loan opened at XXXX XXXX  on XX/XX/year> under the account number ( XXXX ) these several fraudulent hard inquiries and fraudulent accounts appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a personal credit and personal loan account opened at XXXX XXXX  opened on XX/XX/year> under the account number ( XXXX ) This account have resulted in several fraudulent hard inquiries and fraudulent accounts 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 myconsumer 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 andfraud. 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 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated and removed : XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  # XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IN)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  : Account Number : XXXX : Balance : {$210.00} Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2100.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2900.00} Account Name : XXXX XXXX : Account Number XXXX XXXX : Balance : {$460.00} Account Name : XXXX XXXX XXXX : Account Number XXXX XXXX XXXX Balance : {$860.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$780.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX : Ref : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  : Account XXXX : Balance : {$7800.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$3800.00} Account Name : XXXX XXXX : Account XXXX XXXX XXXX : Balance : {$6300.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$3300.00} Account Name : XXXX : Account Number : XXXX : Balance : {$12000.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$3900.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$1300.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$7900.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$4400.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXXXXXX 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (GA)

I have been having a recurring problem with American Honda Finance failing to process my payment checks in a timely manner. For this month 's bill, the statement arrived on XX/XX/XXXX and my payment due date is XX/XX/XXXX. American Honda Finance has routinely taken between XXXX to XXXX business days to process my payment check, even though I mail it in the day that I get my bill in the mail. 

This has led to multiple occurrences of American Honda Finance not crediting my payments until after the due date has passed even though payment was mailed far in advance of the delivery time required by XXXX. As an example, in XXXX I mailed my monthly payment on XX/XX/XXXX, but American Honda Finance did not process my check until XX/XX/XXXX, nearly XXXX weeks after I had mailed it. No other company I have an account with struggles to receive and process my monthly checks, this is an issue I have only encountered with American Honda Finance.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I do not agree with the account that is listed on my report. This company stated that they investigated the account, but I would like for it to be re-investigated immediately. The accurate information is highly affecting my credit and livelihood. In accordance with the fair credit reporting act, public law, 91506 title IV section 611.I did not receive validation. I am requesting the names and business addresses of each individual who verified the information so that I can follow up with them about this. Please send an updated copy of my credit report after your investigation has been completed. 

Account XXXX XXXX XXXX XXXX  account number XXXX
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.