davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-18
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: United PanAm Financial Corp. (LA)

I filed a FTC report on XX/XX/2023. The result was that the det was verified. I am a victim of identity theft and I have no knowledge of the account that is listed below. Please remove so my credit reports will read as true and accurate. 

United Auto Credit {$120000.00} Account charged off Acct # XXXX
Consumer complaint received 2019-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (FL)

On XX/XX/2019 I sent LVNV Funding a letter letting them know that the information that was requested of them was invalid and that they needed to stop reporting negative information to my credit reports and the accounts should be closed and removed from my credit reports. LVNV Funding did not provide the proper proof for the accounts. They only sent me a print out of a bill, which is not valid proof of verification according to FTC opinion letter from Attorney XXXX XXXX XXXX. I sent this information to LVNV Funding and they continue to report negative information to my report and did not respond to my letter with the proper information, which is a continued violation of FCRA. Their reporting is a violation and continues to prevent me from moving forward with my life and preventing me from providing a better life for my family. Than you in advance for all of your help.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MD)

I have been contacted XXXX XXXX 's credit card bank for months. I was finally refunded for the purchase that was sent to me in error from XXXX as well as all the late fees and shipping charges. However this institution has been reporting me as past due for three months now. I want this corrected and deleted from the credit profiles. Comenity bank has not replied or correct this reporting, When you call you can only speak with offshore contractors. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-22
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. (PA)

Equifax has an address as for me in error as XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX is an office build I never lease or live at this address Please provide me documented proof as to I lease here or live here at this said address as Equifax has on file. 
Attach is a photo of office building
Consumer complaint received 2023-07-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (AK)

On XX/XX/XXXX, I checked the court website to find out when a certain debt was paid and noticed that a judgment was awarded against me in XX/XX/XXXX without my knowledge. I wasn't served any paperwork in regard to this hearing so I could go and defend myself in front of a judge. The court website said it's Jefferson Capital that is suing me but when I contacted Jefferson Capital on XX/XX/XXXX, they had no knowledge of what I was talking about. I was told to call XXXX XXXX and once again, was told they had no account in my name. So I called XXXX XXXX XXXX where I asked for a copy of the summons for this case and XXXX XXXX told me that he couldn't find the summons and no other paperwork could be found.
Consumer complaint received 2023-07-18
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a fraudulent account which is showing on my credit report. I have never applied for Capital One and never gave anyone permission to use my personal information for applying to that creditor. I tried to resolve my problem with Capital One but no result. Because of that I'm submitting a complaint to you to help me for removing CAPITAL ONE XXXX Date opened XX/XX/XXXX Balance {$4500.00}, CAPITALONE XXXX Date opened XX/XX/XXXX Balance {$1200.00} and CAPITAL ONE XXXX Date opened XX/XX/XXXX Balance {$4600.00}. Those three accounts are fraud. Thank you.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

According to the latest SEC filing, there only exists a USAA Auto Owner Trust 2022-A which was recently filed for presale for USAA on XXXX XXXX XXXX XXXX but not the current trust indenture contact information or indenture trustee information for USAA 's credit cards on the SEC. 

In fact, if you look on the SEC site or USAA 's site or U.S. Bank National Association 's information, that doesn't come up at all in regards to that particular trust indenture. 

The USAA Auto Owner Trust 2019-A also has an indenture trustee contact that appears to be outdated and shows that they ( XXXX XXXX XXXX XXXX have left the U.S. National Bank Association according to public information on their employment leaving no successor trustee for the public to be aware of. 

I am demanding that USAA produce the latest information for the public to view on both auto and credit card trust indentures in relation to fiduciary duties and contact information. 

Need I remind you of the importance of refraining in showing information on the grounds of having conflict interest to the beneficiaries of the trusts as noteholders. 

" Fiduciaries are assigned a number of detailed duties and responsibilities, which include " the proper management, administration, and investment of [ plan ] assets, the maintenance of proper records, the disclosure of specified information, and the avoidance of conflicts of interest. '' XXXX XXXX XXXX XXXX, 508 U.S. 248, 1993
Consumer complaint received 2019-11-02
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. (VA)

I filed an initial dispute with credit reporting bureau Experian sometime ago regarding an a XXXX credit card account number and balance appearing on my credit file. At the time i did not have evidence to support my claim. I mailed payments to the bank which issued the credit card for XXXX ( XXXX XXXX ) in which my payments were returned along with a letter from XXXX XXXX ( See uploaded documents ) stating there was no record of an account bearing my name or SSN. 

Time went by and I circled back to resolve this and mailed disputes to all three Credit reporting bureaus, XXXX, Experian, and XXXX however, providing the supporting evidence of my dispute. XXXX completed their investigation ( See uploaded documents ) and agreed the account number does not belong to me and deleted from my file. In addition XXXX updated my report to reflect the correct account number as " Paid as Agreed, closed at Consumers request ''. XXXX is still investigating however 30 days is coming fast. This complaint is about Experian who was the first to respond within weeks. To my surprise the never investigated the matter along with supporting evidence, they dismissed my dispute as frivolous ( See uploaded Experian letter 2-sided ) because I filed a initial dispute which as i stated i did not have any supporting evidence.
Consumer complaint received 2021-01-06
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: JPMORGAN CHASE & CO. (TX)

Chase replied back on Complaint # XXXX and stated " This complaint appears to be about the same issues as a complaint weve already processed for you. The complaint number for the complaint weve already processed for you is XXXX. This repeat complaint is now closed. There will be no further action on this complaint. 
Keep track of the original complaint numberXXXX you can track its status and receive the company response on your Consumer Portal or by calling us. '' Attached is Chase 's reply on complaint # XXXX. Complaint # XXXX is not the same issue as stated " Per Consumer Financial Protect Bureau Section XXXX, Requirements for over-the-limit transactions for Chase ending in XXXX ; permission was never requested from Chase nor given to allow for the over-the-limit-fraudulent transactions. ''
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

I have sent multiple letters to this address " American Express, XXXX XXXX XXXX, ATTN XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX '' regarding my issue and I have gotten the same automated message in writing in return. I've also sent a Claim Notice to the address " American Express ADR c/o XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On multiple occasions I tried calling customer service to connect me with someone of higher position or understanding to their SEC filings regarding the XXXX, Prospectus, and the indenture trust agreement dated XX/XX/year>, and yet have I received remedy. There are unjustified violations that American Express are committing to me as the Beneficiary and investor towards the company from breach of contract, breach of fiduciary duty and Securities Fraud. Behind everything I have said I have reason to believe they are committing organized crime without my known knowledge as well. Yes, I am the Note Holder, and I will attach proof of that as well as my letter and supporting documents. Please fulfill your fiduciary duty and fix this issue immediately or I will be reporting American Express to the XXXX XXXX XXXX and all other proper authorities and seeking all civil penalties.
Consumer complaint received 2023-05-23
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc. (ME)

I submit a dispute with Nelnet due to a 120 day delinquency that I wanted to be redacted due to the circumstances and the late payments falling within the federal mandate due to Covid and the hardship it caused for everyone. I have disputed this twice with Nelnet and each time they ignore the circumstances and treat it as if Im disputing the accuracy of it ; which I was not. 

Back in XXXX I placed my student loans in forbearance due to hardship. I didnt realize they went back into repayment so the account became delinquent XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I noticed when it hit my credit report, dropping my score XXXX points! I called and placed it back in forbearance as my situation did not change. I recently found out these lates fell within the government covid forbearance. 

I requested a copy of my forbearance history and noticed that the government mandate back dated all the way to XXXX XXXX therefore my late payments are within the government mandated forbearance period. Since my delinquency fell in that time period of the mandate ; I reached out via dispute directly with Nelnet in efforts to have the credit reporting redacted. Without taking any of those factors into consideration they decided not to redact them because they confirmed the information was accurate. Once again, I was not disputing the accuracy of it I was asking for them to be removed to be fair because even the government recognized the time period I fell delinquent was a hardship for us all. 

Even though the delinquency took place 3 years ago ; lenders will not look past it. A XXXX point drop. It was reported as 5 separate accounts with 120 days delinquencies. My perfect payment history ruined. This has caused a bigger hardship than what a monthly payment would have cost. They have all the power to redact it but will not. This does not feel fair and doesnt reflect my true credit worthiness. And the timeframe it fell in ; during a government mandate but still no consideration to it just feels like a huge blow.
Consumer complaint received 2023-06-02
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. (TX)

Get this off of my credit report immediately! It is clear as day that I have been and still am a victim of identity theft! Someone literally posted my social security number and all of my information online! Of COURSE theyre going to use my TRUE address. That is the only way to get granted credit is by using the correct info available on my credit report, this is also a case of MAIL fraud. As I have had to go on fast people search and been verified to remove my personal info off of the internet and dark web! REMOVE THESE ACCOUNTS XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-28
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. (DC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (MD)

I got 2 Auto loans that is suppose to be in my brother name. One is from XXXX XXXX  for a mustang and the other is financed from Honda. This has been negatively affecting my credit and has stopped me in the pasted from getting a new car and home. Additionally, there is a credit card from XXXX  XXXX XXXX with a total balance of XXXX, that belongs to my brother. We are XXXX  and were born on the same day with the same first name ( different middle name ). However, we have different social security numbers to differentiate us. I had to make this report because there is too many inaccurate information for me to dispute from multiple credit companies. I can only do 1 dispute every 30+ days or when the investigation is completed. Also, I should have no credit inquiries for the month of XX/XX/XXXX. That was not me. That was my brother. Please assist me on this matter.
Consumer complaint received 2023-02-15
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-05-02
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (MI)

Mt father has a mortgage with  PNC bank/mo rtgage company. I was attempting to be place on the loan with him. The initial person my father and I spoke with was  XXXX   XXXX . He stated that we could do this on a Harp refinance. He stated that there would be no money involved in this process and it would be a relatively short process. He told us that there would be no appraisal and no closing costs. this started in   XX/XX/XXXX  of this year ( 2017 ). A s the loan was being processes we had contact with him on several occasions and also with the processor  XXXX   XXXX . After about a month we were asked to submit a title surrender form to our city hall of records. It was determined that no title existed for our double-wid e in our county an d that the bank had no original copy of the title or apparently any of the initial paperwork in the initial purchase of a new double wide. About this time they sent me out an updated  Loan estimate which stated there would now be a closing cost for the load. They also called  and notified us their would be an appraisal of the house. I spoke with the person we initially spoke with to begin the process  XXXX   XXXX  who informed me he was wrong and that the underwriter needed an appraisal. He also informed me it would be my responsibility to pay for  a Title bond and  that he was also wrong about no closing costs. I also spoke with the processor again to get some clarification of why the initial person could say we had no closing and appraisal and to find out why the bank did not take care of this title issue. I could get no answer on any of these issues at that time. I asked to speak to a supervisor and was put in contact with a  XXXX   XXXX . We spoke of these issues and by this point the appraisal had been completed. She could not explain to me why it was necessary or why there was a closing cost. After sever conversations over a wee k or 2 with  her there was no resolution about the title. They are dealing with a title company outside of their own bank. After receiving no resolution on this i asked again to speak to a higher supervisor. I was told i would be receiving a call from who ever the next person was in the chain of command was. it has not happened as of yet. However i have received yet another another loan estimation update that has more than doubled the closing costs. We have no idea what will happen when we pay off this mortgage with the title situation. We have paid for 15 years on this home with no clue there was no title. I am the person who has been paying for 15 years on this home and because I am not on the title i can not claim my rights as a totally  XXXX  vet for tax purposes nor have i or my father been able to claim the interest paid at the end of the year on taxes.
Consumer complaint received 2022-11-28
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 is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXX  XXXX Balance : {$10000.00} ; XXXX  XXXX  XXXX XXXX XXXX Balance XXXX {$9300.00} ; XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX
Consumer complaint received 2022-11-28
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. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I have 3 Inquires that do not have any relation to me, And I have disputed these items prior with no changes from the credit bureaus. These items are henedring my credit score and they are not factual or accurate inquires. Ive sent an FTC way back in XXXX and still have not got this situation resolved!! 

These are the inquiry items XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

The complaint was filed XXXX and temporarily they took off {$240.00} dollars from the amount after they said they was not responsible department more lies. Then returned it days later because you accepted that response. There is no way an account that is closed accrues more interest they closed the account so it is now paid out to resolve. I did not close it they did. If you write the credit off or file a bankruptcy the account is no longer used and the amount owed decreases not increases when you pay it or resolve it Please resolve this ASAP this getting double paid for something they ended and this is fraud.
Consumer complaint received 2017-03-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

Received a letter months after moving ... never heard from the original creditor which was a landlord ... I have written notice advising I was vacating premises at end of Lease
Consumer complaint received 2023-07-06
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. (CA)

Attached you will find a credit report showing the XXXX XXXX account is closed and all payments are on time and this account was opened XX/XX/XXXX over 7 years and 7 months and Equifax, XXXX and XXXX are still showing this on my credit report. Please see attachment. And showing like I still making payments on this account for XXXX, XXXX, XXXX and XXXX when this account has been closed. No payments are being made so why is this still showing and the account is closed and over 7 years old.