davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Upgrade, Inc. (OH)

In XX/XX/XXXX I learned that I was a victim of identity theft. I had learned of fraudulent account that was opened in my name and credit inquiries on my credit report for accounts I did not apply for. When I learned of this fraudulent activity ; I immediately closed my bank account and notified all XXXX Credit Bureau. The credit bureaus placed a fraudulent alert on my credit, froze my credit, and removed the fraudulent account from UPGRADE INC from my credit report. 

On XX/XX/XXXX I filed a report with the federal trade commission and filed a police report with the XXXX Police department. In XXXX I learned that the fraudulent account opened with upgrade was placed back on my credit report because Upgrade verified this information was accurate. I then tried to notified upgrade by phone, but had no luck. I was able to find an email for them ; so I emailed them In XXXX of XXXX letting them know, I did not open this account. This account was open fraudulently and I requested them to send me the verified information they had on file. 
I requested a copy of the original application and verified documents used to open this account. I also requested where the mail/ statements were sent for repayment, where the monies were sent /deposited. I also requested what address, email and phone number they had on file. 


They responded, asking me to submit a picture of my ID, mailing address, email, date of birth and phone number before they could give me any information. Once I submitted all the requesting information, they sent me an email stating that the account was verified and that they would not remove it from my credit. 

I asked them again to provide me with documentation on how this information had been verified ; because I did not take out a loan with their company ( Upgrade ) and they ignored me. I never got a response. 

In XXXX of XXXX I contacted a lawyer to send them a certified letter requesting the same information, since my requests had gone unanswered. 
On XX/XX/XXXX my lawyer sent certified letter ; here it is XX/XX/XXXX and they have yet to respond or cooperate. 

This has been extremely stressful for me because I am trying to purchase a home and I can not do so with a negative account being reported on my credit. 

This company is not doing their due diligence when opening accounts, I have been completely ignored when trying to get this issue resolved. This company has to take responsibility for their actions and the way I have been treated.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Dear [ Capital One Consumer Disputes Team ], I hope this letter finds you well. I am writing to express my deep disappointment and concern regarding the recent experience I had while attempting to open an account at Capital One Bank. 

I have been a loyal customer of Capital One for 2 years and have always appreciated the high level of service and professionalism that your institution has provided. However, my recent encounter has left me disheartened and frustrated. 

On XX/XX/2023, I called your branch located at XXXX XXXX XXXX XXXX, IL with the intention of opening a new account. I was met with an alarming lack of courtesy and respect from the bank staff. Despite providing all necessary documentation and adhering to the established procedures, I was met with unnecessary delays, unexplained rejections, and an overall dismissive attitude. 

It is deeply concerning to me that a bank I have trusted for so long would treat a loyal customer in such a disrespectful manner. I believe that all customers, regardless of their background or circumstances, deserve to be treated with dignity and professionalism. 

I kindly request an immediate review of my situation and a thorough investigation into the actions of the staff involved. Additionally, I ask for a sincere apology and assurance that steps will be taken to prevent such incidents from occurring in the future. 

I value my relationship with Capital One and hope that this matter can be resolved promptly. If necessary, I am open to discussing this issue further with a representative from your team. Please feel free to contact me at XXXX or XXXX to arrange a suitable time for a conversation. 

Thank you for your attention to this matter. I look forward to a swift resolution and a continuation of the positive banking relationship I have enjoyed with Capital One. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-08
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. (FL)

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-23
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 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 ( learned through more research both parties require ). Please remove these files. 
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/year>
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (OK)

Chase Bank never contacted me to inform me that my account was closed, or how to make payments. After speaking with a representative, they told me my account was closed in XXXX and they sent a notice about it. I asked them to resend the original notice so that I could understand why my account was closed and how I could reconcile. The notice they sent me simply said this confirms your account was closed with no explanation or information on how to pay off the account. They disabled the ability for me to see statements or make payments on their mobile banking. I believe they are attempting to scam me by not providing adequate information and revoking access to the ability for me to pay my account off.
Consumer complaint received 2023-08-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SANTANDER HOLDINGS USA, INC. (MA)

I am searching for help with my HELOC from Santander Bank.

I attempted to do a modification twice. Giving the rising rates and unaffordability due the a decrease in income and increase in living cost its become difficult. Santander refused to provide any help in regards to rate and term adjustments- On top of that I was told not to make my payment as they were working on it and now I owe XXXX, XXXX and XXXX. It's not right. 

They declined because my DTI was over 38 %. That makes no sense. If my DTI was low Id be able to make the payments as are. 

I spoke to them this morning and I explained my first mtg did a modification in 2021 and a second one three months ago. 

They stated that because they existed the home loan business they cant help refinance and they suggest people go to XXXX XXXX. Yet those who missed payments can refinance because of credit. In the end theyre forcing their loans into foreclosure. 

I need help as my children live here. 



Can you help? my number is XXXX.
Consumer complaint received 2024-08-22
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)

Following my divorce, my ex-wife, XXXX XXXX XXXX, fraudulently opened accounts in my name, without my knowledge or consent, and forging my signature, obtained and opened several accounts that I am not legally responsible for. I have attempted to rectify these issues with XXXX consumer reporting agencies, XXXX, Equifax and XXXX in the past, with little to no success. I have filed a proper Identity Theft Report ( # XXXX ) with the Federal Trade Commission. All three of my credit reports contain several accounts that are a result of this identity theft. 

XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXXXXXX XXXX {$2400.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX {$2200.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$120.00}
Consumer complaint received 2022-11-08
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. (VA)

I've been working with them to remove a 30 day late that is on my account. The banks dashboard was being updated and I did not want to be outside because of covid so when I paid them XXXX XXXX XXXX said they would refund me my late fee and take care of the 30 day late. XXXX did refund me the late fee but the 30 day late is still showing up on my credit reports. XXXX XXXX XXXX told me to dispute with XXXX, XXXX and Equifax and then they would remove it. I have done this about 7 times and they keep saying it's being verified but XXXX XXXX XXXX says they are not verifying the 30 day late. I have even written a letter to the XXXX XXXX XXXX about this issue. The 30 day late is on XX/XX/2022 2022
Consumer complaint received 2023-05-10
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. (FL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

The Bureaus are govern by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts listed below be removed.

According to 15 USC 1681, I have the right to privacy and i did not give a written permission to furnish these accounts. 

XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (KY)

On XX/XX/XXXX, an unauthorized ACH payment for {$940.00} to Comenity Bank via automated phone system was made to my credit card account and cleared my checking account. I have never paid this account by phone and I did not make this payment. I have never set up any automatic or recurring payments. I have made all payments on time via the online portal, and the payment was not yet due ( due XX/XX/XXXX ). I contacted customer service. A dispute was initiated on the payment, but the payment was not refunded. While awaiting the dispute, a second unauthorized payment for {$1000.00} posted to my account on XX/XX/XXXX, again, made by phone from my checking account. I did not make or authorize this second payment. I contacted Comenity customer service again and was told that a request to refund the second payment and a dispute would be initiated. After receiving no follow up information, I called Comenity 's account protection number and was informed that a new card should be issued in case this was a fraud attempt. No refund of the unauthorized payments was made. Following this call, my account information was deleted/deactivated, so I now can not access my account information online. I believe that the account deletion happened to prevent me from obtaining documentation of these transaction through my account. These unauthorized payment have resulted in a negative bank account balance and may overdraft fees, with no resolution in sight. I am attaching one screen shot showing the second unauthorized payment scheduled on my now inaccessible Comenity account, and one screen shot of my conversation over the first charge with my bank.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (FL)

My car was total lost in the Florida flood on XX/XX/2023 and XXXX insurance paid my car off in full. It was never late. I contacted the merchant several times and provided them proof and still no updates.
Consumer complaint received 2023-08-08
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. (PA)

A fraudelent account on XXXX XXXX with XXXX XXXX XXXX appeared on my credit report and on XXXX went delinquent after I had already reported it fraudelent back in XX/XX/2023 Transunion took my score down XXXX points and has not returned my points after XXXX XXXX  was found to be fraudelent and removed. I would like my score returned to what it was before this fraudelent account.
Consumer complaint received 2023-06-20
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. (CA)

This complaint is my follow -- up to ensure that the disputed items in my file are thoroughly removed. 

Please remove these items for they are fraudulent. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$9500.00} XXXX XXXX Balance : {$600.00} XXXX XXXX XXXXXXXX XXXX Balance : {$310.00} XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX ( XXXX XXXX  : XXXX XXXX  ) XXXX Balance : {$310.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-08-08
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)

Congress passed the Fair and Accurate Credit Transactions Act of 2003 ( FACTA ) to add identity theft protection. I have the right to include a fraud alert on my credit report if I have a good-faith suspicion that I am the victim of identity theft. The fraud alert is suppose to notify users of victim of Identity Theft. Fraud alerts are suppose to be free. I also have the right to have a CRA block information related to identity theft from being on my credit report. For example, if an identity thief has used my information to open an account and never paid the bill, I can have this blocked from my credit report. Though I must meet some conditions. If the conditions are met, the CRA has four business days to block this information from being viewed by potential users of your credit report. I have supplied appropriate proof of my identity to the CRA. I have supplied the identity theft report from a federal, state, or local law enforcement agency. I have identified the faulty information on the credit report. I provided a statement to the CRA explaining that I was not connected with the transaction ( XXXX ) involving the identity theft. TRANSUNION has failed to follow these regulations set by the Federal government. TRANSUNION ALSO HAS RECEIVED PROOF OF MY IDENTITY AND ADDRESS VIA THE MAIL AND HAVE STILL YET TO UPDATE MY PERSONAL INFORMATION INCLUDING MY PHONE NUMBER AND ADDRESS.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi TransUnion, I just received a copy of my credit report and I found those fraud inquiries that shall delete from my credit report. I don't know what is going about those thief getting access to my credit report information. 

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/year>
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

I leased a new vehicle from Toyota financial. At the end of the lease I purchased it and financed it through them. My Experian credit report reflects that the lease was discharged in bankruptcy. When I disputed this with XXXX, Toyota responded to them that it was discharged in bankruptcy. When I contacted Toyota finance they refused to correct this information. I explained to the agent that she could clearly see where I bought the vehicle from them but still was unable to correct this. She contacted her disputes dept while I was on the phone with her and they told her it was discharged in bankruptcy. I had previously filed bankruptcy but the vehicle was not included in the filing. This mistake is adversely affecting my credit rating and Id like this corrected.