davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC. (TN)

ALL PARTIES INVOLVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SANTANDER CONSUMER FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO-SIGNER, SSN : ***-**-XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , SSN : ***-**-XXXX On XX/XX/2023 I purchased a XXXX XXXX XXXX XXXX XXXX XXXX ( VIN XXXX ) at XXXX XXXX XXXX XXXX XXXX in XXXX, TN . After vehicle purchase, I was involved in an accident, and my insurance company ( XXXX ) deemed the vehicle as a total loss. The title never made it to my lien holder after I secured the vehicle. 

After some investigation and due diligence on my part, I discovered that the vehicle title had not been properly maintained before I began the vehicle purchase process. The engine in the vehicle had been replaced, and the car was involved in an accident during transit that was never reported to the TN Department of Revenue, which is the governing body for titles in Tennessee. The mileage on the vehicle is also incorrect between the title and the purchase agreement by almost XXXX miles. The title was never updated to reflect any damages to the vehicle, or " rebuilt '' to reflect correct mileage and the dealer as the primary owner for the vehicle. 

As a result of the negligence by the dealer, the lien holder is unable to guarantee title, and the insurance company will not release the settlement on my claim. I have attempted multiple times to correct this with the dealer with no avail. This has negatively affected my credit, as well as my ability to care for myself, as I am a XXXX veteran that is now left without transportation.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Urgent Compliance Notice : Immediate Attention Required for FCRA Violations I am writing to formally address a serious matter concerning the unauthorized disclosure of my credit information. As an individual deeply impacted by my upbringing and surrounding environment, the safeguarding of my personal data is of utmost importance to me. My unique circumstances have instilled in me a strong awareness of privacy and the critical need for consent in sharing sensitive information. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned. It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information. Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court. 

I have taken the necessary steps to report this breach of the FCRA to the Consumer Financial Protection Bureau, the Attorney Generals Office, the XXXX XXXX XXXX, and the Federal Trade Commission. This escalation is aimed at ensuring comprehensive resolution and to prevent further misuse of my personal information. It is my hope that by involving these regulatory bodies, we can facilitate adherence to legal standards and protect the rights of consumers like myself.
Consumer complaint received 2024-05-09
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

I am writing to formally address a persistent issue regarding inaccurate information on my credit report. Despite my previous notifications, it has come to my attention that the incorrect information is being continuously deleted and re-applied, which is causing significant distress and potential harm to my financial standing. 
I have brought to your attention the discrepancy in my credit report. Despite this, the incorrect information has not been permanently rectified. This repeated pattern of deletion and reappearance not only reflects poorly on the accuracy of your reporting but also undermines the integrity of my credit history. 
I request that immediate action be taken to thoroughly investigate and permanently remove the inaccurate information from my credit report. Furthermore, I expect a formal acknowledgment of this notice and a detailed plan outlining steps to prevent similar occurrences in the future.

Please be advised that failure to address this matter promptly and effectively may result in further escalation, including legal action to protect my rights as a consumer. 
I anticipate your prompt attention to this matter and look forward to a swift resolution.
Consumer complaint received 2024-06-25
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: Paypal Holdings, Inc (PR)

I was paying a merchant in XXXX via paypal and paypal asks if you want to pay in local currency or with a conversion rate they specify. I selected three separate times to pay in local currency and then it asks me to log in. On the final screen it does not show that it has switched to the paypal conversion rate even though I selected local currency 3 times.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have the following hard inquiries on my credit report that i never consented to or was even aware of 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 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Good Evening, My name is XXXX XXXX and I am filing this complaint because this is the third time that I filed my claim when my identity was stolen and no action has been taken. Credit bureau has not been sending any mail responses to my disputes nor have these companies. At this point I feel like my rights as a consumer are being violated. I am the victim in this situation and I can not even get the proper help or response from the companies who oversee credit reporting. If no further action will be taken, I will pursue legal action
Consumer complaint received 2023-08-28
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)

The Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, and XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. 

Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX 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. 

XXXX XXXX  Acct XXXX XXXX
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

I CANT'T SEE MY CREDIT REPORT ONLINE EXPERIAN BLOCK MY ACCOUNT ON PURPOSE THATS A VIOLATION ON MY CONSUMER LAW RIGHTS ON THE UNFAIR ACT AND NO ACCURATE CREDIT REPORT I GOT GOT PROOF OF TWO CREDIT REPORT ON XXXX & XXXX AND I TOOK A SCREEN SHOT OF THE EXPERIAN CREDIT REPORT WAS BLOCK
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

XXXX : * Ive began to look to obtain a house XXXX in did a Cerdit review report in notice the there has been some fraudulent accounts in activity on my reports my company I use to work for. also a victim of a data breach within that year for the one off the account in questions this were i believe my information was stolen i. misuse due to the breach description with snap on XXXX
Consumer complaint received 2024-05-04
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-05-08
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. (TX)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-08-28
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. (NV)

I am a victim of ID Theft! After reviewing my credit report recently as I have not used my credit in many years, I have seen a lot of discrepancies on my file. There are multiple accounts that have been opened in my name without my authorization! 

I am filing all the necessary paperwork as I have recently found out about this. 

The following accounts need to removed from my XXXX, XXXX, and Experian reports as they are unauthorized accounts : XXXX XXXX XXXX XXXX XXXX, XXXX {$2800.00} XXXX  XXXX XXXX  XXXX. XXXX, XXXX {$540.00} XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX {$300.00} XXXX XXXX XXXX XXXX, XXXX {$580.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$310.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$90.00} XXXX XXXX XXXX XXXX, XXXX {$550.00} XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX XXXX, XXXX XX/XX/XXXX {$850.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$470.00} XXXX XXXXXX/XX/XXXX {$470.00}
Consumer complaint received 2024-05-04
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. (MA)

PLEASE BLOCKED AND REMOVED I firmly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is imperative that you expeditiously erase this misleading information from my records.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am a victim of ID Theft! After reviewing my credit report recently as I have not used my credit in many years, I have seen a lot of discrepancies on my file. There are multiple accounts that have been opened in my name without my authorization! 

I am filing all the necessary paperwork as I have recently found out about this. 

The following accounts need to removed from my XXXX, TransUnion, and XXXX reports as they are unauthorized accounts : XXXX XXXX XXXX XXXX XXXX, XXXX {$2800.00} XXXX  XXXX XXXX  XXXX. XXXX, XXXX {$540.00} XXXX XXXX XXXX XXXX  XXXX. XXXX, XXXX {$300.00} XXXX XXXX XXXX XXXX, XXXX {$580.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$310.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$90.00} XXXX XXXX XXXX XXXX, XXXX {$550.00} XXXX XXXX XXXX XX/XX/XXXX {$740.00XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$850.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$470.00} XXXX  XX/XX/XXXX {$470.00}
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I am writing to dispute a certain account that has been reported across the XXXX bureaus on my credit report which I believe to be inaccurate. I have never missed a payment, and all my accounts are current and in good standing. I have been a responsible borrower and have always made timely payments on all my debts. 

The delinquent account listed below is not accurate : XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

Identify theft  account  names 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
Consumer complaint received 2023-10-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY ()

In XXXX, XXXX I applied for a refinance through Wells Fargo. At the time I was involved with a lawsuit with a local air condition company for XXXX. The company turned it over to a collection agency. I was informed by Wells Fargo in order to get the loan I would have to pay the XXXX due. I asked my lawyer and he told me not to pay this and to cancel the refinance. Since the I won the lawsuit. 
Since I cancelled the loan Wells Fargo has declared war on me. I have had to cancel my debit card 7 times in the past year due to fraudulent charges being put on it. In XXXX, XXXX I used WF bill pay to pay my XXXX XXXX XXXX bill. My money was taken out of my account but XXXX XXXX XXXX never got it. My services were disconnected. It took me XXXX month to get this straightened out. In XXXX I paid my gas bill to XXXX XXXX XXXX Wells Fargo denied the payment saying that there were " insufficient funds ''. The funds were there. During this time I could not sign on to my account. Wells Fargo said it was for security. They also quit sending me my statements. 
In XXXX, XXXX I paid by electric bill for XXXX. Wells Fargo held the payment out for XXXX weeks citing " security '' Right now I am trying to pay my XXXX account which I have done for the past 15 years. I have never had a problem with it. I paid it XX/XX/XXXX and it went through. I just got an email from XXXX refunding the money because Wells Fargo said my account was invalid. I believe that there is criminal activity going on here. I am XXXX XXXX XXXX and living on nothing but Social Security. I need someone to help me
Consumer complaint received 2024-05-05
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. (MN)

I didn't authorize XXXX XXXX to run my credit on XXXX. Neither did I give my permission to XXXX XXXX on XXXX or XXXX  on XX/XX/year>. Without my permission given to third-party individuals it is fraudulent behavior. Plus the criminal background that's listed to hinder me. Plus the inaccuracies in XXXX addresses. XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX. I submitted an FTC report also. confirmation code : XXXX.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2019-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

WELLS FARGO HOME MORTGAGE HAS MISHANDLED MY ESCROWS. I APPLIED FOR A MODIFICATION MORTGAGE IN XX/XX/XXXX. DUE TO LOSS OF WORK IN XXXX. I CHANGED HOMEOWNERS INSURANCE IN A ATTEMPT TO LOWER MY MONTHLY MORTGAGE PAYMENT, THE DECLARATION PAGE WAS SENT TO WELLS FARGO HOME MORTGAGE ESCROW DEPT. IN XX/XX/XXXX THE ANNUAL PREMIUM OF {$100000.00} WAS PAID TO XXXX XXXX  XXXX XXXX. ON XX/XX/XXXX  MY REAL ESTATE TAXES WAS PAID TO XX/XX/XXXX XXXX TREASURY DEPT,  {$1100.00}. I RECEIVED A LETTER FROM WELLS FARGO HOME MORTGAGE INDICATING I HAD A SHORTAGE OF {$77.00} IN MY ESCROW I PAID THE {$77.00} OUT OF MY WELLS FARGO CHECKING ACCOUNT. ON XXXX XXXX, I RECEIVED A XXXX XXXX PKG. FROM WELLS FARGO HOME MORTGAGE LOAN IN IT WAS FINAL MODIFICATION AGREEMENT INDICATING I OWED {$1100.00} SHORTAGE IN MY ESCROW. AND THAT MY MONTHLY HOMEOWNERS INSURANCE IS {$140.00} PER MONTH THEY HAVE DOUBLE MY PREMIUM. WELLS FARGO ESCROW DEPT. HAS INDICATED THEY ARE UNABLE TO FIX THIS. MY ANNUAL INSURANCE IS $ XXXX= {$87.00} PER MONTH. THEY HAVE MISHANDLED MY ESCROWS NOW THEY ARE DOUBLE BILLING ME,
Consumer complaint received 2024-06-23
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. (WA)

Reinvestigation Request- I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name and phone number as well as documentation that proves this account was late. If you can not provide me with this information in 15 days update the account to PAID/NEVER late and send me a copy of my updated credit report.