davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (HI)

EXPERIAN INVESTIGATED MY DIPSUTES IN ONLY 5 BUSINESS DAYS? HOW IS THAT POSSIBLE? DID THEY ONLY USE XXXX AGAIN?? WHERE ARE THE REQUESTED WRITTEN DISPUTE RESULTS? WHERE IS THE PROOF OF THE PERSON THEY VERFIED THE DISPUTE WITH? WHERE IS ALL THE DOCUMENTATION I REQUESTED THAT EXPERIAN USED TO VERIFY MY DISPUTE? EXPERIAN CLAIMS MY DISPUTED ACCOUNT WAS VERFIED AND UPDATED? HOW? NOTHING CHANGED!!

PLEASE SEE THE BELOW COPIED INFORMATION FROM EXPERIAN DISPUTE CENTER, THE " STATUS UPDATED '' DATE IS STILL SHOWING XXXX XXXX!!?? 
A CLEAR SIGN THAT NO INVESTIGATION WAS DONE, ONLY XXXX WAS USED : Account info Account name XXXX XXXX XXXX Account XXXX Account type Unsecured Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Closed. {$31000.00} written off. 
Status updated XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment $ XXXX  Monthly payment {$0.00} Original balance {$35000.00} Highest balance {$0.00} Terms60 Months PLEASE SEE BELOW HOW FAST MY DISPUTE WAS " SUPPOSEDLY VERIFIED '' : The dispute for the account with XXXX XXXX XXXX that starts with XXXX has been received and should be completed by XX/XX/XXXX. 
Source : Experian Date Submitted : XX/XX/XXXX Estimated Resolution Date : XX/XX/XXXX Report NumberXXXX  Account Number : XXXX XXXX : XXXX XXXX XXXX Address:XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XX/XX/XXXX The dispute for the account with XXXX XXXX XXXX that starts with XXXX has been updated. 
Source : Experian Date Submitted : XX/XX/XXXX Report Number:XXXX Account Number:XXXX  Company : XXXX  XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ALSO THE ADDRESS ASSOCIATED WITH THIS ACCOUNT DOES NOT MATCH ANY OF MY ADDRESSES LISTED ON MY EXPERIAN CREDIT REPORT. 

SO MANY VIOLATIONS OF MY DISPUTES FOR THE LAST 8 MONTHS. 
THIS HAS TO STOP!!! EXPERIAN IS CAUSING ME TO STILL BE UNEMPLOYED  AND I AM SUFFERING FINANCIAL HARDSHIP BECAUSE OF EXPERIANS INACCURATE REPORTING!
Consumer complaint received 2021-09-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management (CA)

I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates nor any medical action with their affiliates nor my family. they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. I have provide everything that i was told to do by the CFPB, FTC and the Police department to show this account is fraudulent and that someone is using my information to obtain fraudulent services under my name and information
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

This is a formal complaint against Equifax, XXXX and XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continue reporting inaccurate and unverifiable derogatory information about me to potential creditors. That being said, I feel as though I am being fraudulently attacked by these credit reporting agencies and I also feel as though they are supporting the reporting of erroneous information on my credit files because they continue to report erroneous accounts on my credit report that should not be there and refusing to adhere to my rights of a reasonable re-investigation and proper verification of this account. Not to mention the fact that they're simply ignoring the proof that I've sent them.
Consumer complaint received 2021-11-24
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. (TX)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : THE XXXX AT XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX OPENED XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX  DATE OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX XXXX. XXXX EQUIFAX SAID THEY COULD NOT READ MY ID, I SENT THEM ANOTHER ONE AND THEY SAID THEY COULD NOT READ THAT ONE EITHER, I HAVE ENCLOSED IT.
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : XXXX XXXX XXXX Balance Owed : {$3400.00} Date Opened : XX/XX/2017
Consumer complaint received 2022-09-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC (AR)

XXXX has stated that I XXXX XXXX a natural person owes an alleged debt. 
Cascade Capital stated this as well. I've asked this Corporation to provide me with XXXX proof of alleged debt by requesting the XXXX XXXX, XXXX, and the wet ink signature between myself and XXXX CONSUMERS. XXXX provided a voided contract along with the payment receipt and a response stating that CASCADE CAPITAL IS NOW THE ORIGINAL CREDITOR OF alleged debt. How can this CORPERATION be the ORIGINAL creditor when in fact I am the Original CREDITOR. CASCADE CAPITAL IS ALSO trying to collect US currencies on a zeroed-out debt that has been paid in full due to sending a XXXX to the IRS. Both CORPERATIONS are in VIOLATION of 15 USC 1692b ( 2 ) due to not ever doing business in neither area ( XXXX ) They are in violation of 15 USC 1692k ( a ) due to me struggling and not being able to purchase a vehicle or a home due to reporting alleged debt on my CONSUMER Report. 
CASCADE CAPITAL has yet to provide me proof that they are original creditor. Cascade stated they would send Validation in the mail. I still have not received it.
Consumer complaint received 2021-10-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: DApps Platform, Inc. (GA)

I have a XXXX XXXXt account, and never seen or noticed the fine print stating I need to save the XXXX digital phrase words to access the account if/when I logged out to get back in... 
I got a new phone and didn't realize all my apps and wallets wouldn't open up automatically, I thought all I needed to do was enter my username and password and I could log back in ... .not realizing with XXXX XXXX XXXX I needed the XXXX word recovery phrase... 
Now I can't get in the account and I have about {$30000.00} scattered amongst different coins in this XXXX XXXX  account I am putting in a claim so I can either continue using the account or retrieve all my funds... the account was opened XX/XX/2021, using my legal name, address, phone, DOB & social security # please email or call me & let me know what the next steps are.. XXXX or XXXX Thank You XXXX XXXX
Consumer complaint received 2021-09-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cawley & Bergmann, LLP (IL)

Company contacted me on XX/XX/XXXX and left a voicemail saying they are trying to collect a debt. No make was mentioned and I have not received an correspondence in the mail notifying me of the debt and my right to dispute. Called me again on XX/XX/XXXX and left a voicemail and still nothing in the mail.
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

XXXX credit card company is reporting an account on my credit reports with Equifax and XXXX. I do not have a credit card with XXXX and never have. They have refused to remove this incorrect information and it is adversely affecting my credit score!
Consumer complaint received 2021-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (FL)

The dates indicated we did not live at an address that required an electric bill and XXXX XXXX XXXX XXXX XXXX was vacated on XX/XX/2020. Even if it was from that address it's impossible for {$1500.00} to be owed for a small apartment. This needs to be clarified and corrected.
Consumer complaint received 2021-09-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (AZ)

When Covid-19 started I ended up being out of work for 6 months. We kept paying the full amount of our mortgage ( $ XXXX/month ). Once it got to the point we couldn't pay our mortgage ( 3 months later ) we were put into forbearance for our mortgage. I wasn't able to pay mortgage for 3 months but once I started working again we immediately called and told M & T Bank that we will be able to start paying our mortgage again. M & T Bank told my wife that we would only have to pay {$1300.00} since we could start paying. We told M & T that I work overseas a lot therefore my wife has a General POA to handle anything that comes up. That means banking, car issues, mortgage, and our kids. For the past 6 months mybwife has been calling M & T to pay our mortgage and they have been taking {$1300.00}. Just within the last month we have been informed that the POA isn't acceptable and we are XXXX behind in payments. I understand the 3 months we couldn't pay. The XXXX is apparently the rest of the original mortgage payment that M & T has not been pulling from my account every time we have payed and I'm guessing late fees. 
I have tried to work with M & T to get the exact wording for the POA but M & T refuses to give me the wording. When I ask for a letter explaining why they decided to only pull out {$1300.00} for my mortgage payment instead of the original amount I am told to refer to my statement for answers which doesn't address my request at all. The behind payments are because of faulty information that M & T has been using and since I have been paying the asked for amount ( automatically withdraw from my account BY M & T ) there has been no breach or lack of payment as M & T wants to portray.
Consumer complaint received 2021-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/XXXX, filed dispute with card issuer for failure to receive refund for cancelled flight. On XX/XX/XXXX, card issuer provided a provisional credit in the amount of {$380.00}. Although there has not been a final resolution to the dispute, card issuer, on XX/XX/XXXX issued a letter to me, that my account was being rebilled for the disputed transaction in the amount of {$380.00} because I had received a refund from the merchant. However, I have not received the refund, and the only thing I have received is a provisional credit from the credit card company.
Consumer complaint received 2021-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (SC)

Bank / Credit Card Inquiry DISCOVER FINANCIAL SERVICES got a copy of your XXXX  Credit Report. 
DISCOVER FINANCIAL SERVICES made a Bank / Credit Card Inquiry by checking your XXXX  Credit File. When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. 

Source : XXXX Company : DISCOVER FINANCIAL SERVICES Address : XXXXXXXX XXXX XXXX XXXX XXXX, DE XXXX Phone : ( XXXX  ) XXXX-XXXX  Alert received today and states it will be on my report till 2023, But I did not make an application for credit to them. My financial information was compromised in the past and this is but another attempt. 
NOT MINE - Thanks
Consumer complaint received 2021-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK (MI)

A purse was purchased from XXXX XXXX on XX/XX/2021. As they stated my package was delivered and signed for. Indeed it was, I also still have it. My package was damaged and only XXXX can file a claim with XXXX. I have tried to contact XXXX  and was told to contact the shipper. I have contacted XXXX and was told that a chargeback was filed with TCF so there is nothing that they can do. I have provided all of these documents to you all including a police report. I will continue to escalate this if needed.
Consumer complaint received 2022-10-15
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. (IL)

This is my 3rd CFPB Complaint to inform the Credit Reporting Agencies that I am a victim of identity theft and I am submitting this CFPB Complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information that some Credit Bureaus provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. [ ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ] Once again, I am requesting the removal of the following items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT ED/XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX 'S XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-25
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)

I am XXXX XXXX and I am submitting this complaint myself. This account is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about this complaint. Please update or remove the late payments from this account. 

( XXXX XXXX BANK XXXX XXXX XXXX )
Consumer complaint received 2022-10-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC. (GA)

As sent to Ally on XX/XX/2022 via notarized letter with return receipt, your claim can not and will not be considered if not returned with the requested information <within> 30 days. It was more than 56 days that Ally answered my complaint through CFPB still not providing me the requested information. Ally claims it is not governed by FDCPA. On behalf of other consumers who governs Allys business practices? XXXX and FDCPA govern Ally. Regardless, this entire ordeal has impacted my health, and no one should be subjected to this type of business. I have contacted the XXXX and have attached Allys response. 
Additionally, I have elected to rescind my contract with XXXX and never had a contract with ALLY. This must be the reason Ally could not or would not send their validation of debt. It is clear that Ally will not and can not comply. Ally sent a copy of the XXXX contract. Again, I have chosen to rescind the XXXX contract as of XX/XX/2022, and XXXX is in receipt of it. Ally needs to be reminded that I also rescinded any contract Ally thought I had with them on XX/XX/2022, according to 15 USC 1635 ( f ) and advised them that their security interest in my car is void per 15 USC 1635 ; Regulation Z XXXX with notification that Ally had 20 days to terminate the security interest. Ally is in receipt of that affidavit with no response and no dispute.
Consumer complaint received 2021-12-18
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: EQUIFAX, INC. (AL)

First and foremost I am submitting this complaint on behalf of myself and not a third party. this is my second request about this matter and I dont know what the problem is with Equifax and XXXX not abiding to the laws. I am a victim of identity theft and they are still reporting this information after I have already sent the proper documentation about these fraud accounts. I'm tired of this inconsistency with these credit reporting agencies the only one who seems to follow the laws is XXXX in this case. According to the FCRA law once the consumer makes it aware with documentation these fraudulent account should be deleted within 4 business days it has been over 4 months!! what is the problem? I have been trying to secure a home for my family and this fraudulent information that is being reported is causing me emotional stress and a financial burden because of lack of compliance from Equifax and XXXX as they continue to ruin my reputation by reporting this false information.
Consumer complaint received 2022-10-15
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: EQUIFAX, INC. (MI)

To Whom It May Concern : I am disturbed that you continue to list a dismissed ( filed ) bankruptcy as confirmed. I am aware that you receive your information from a third-party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number.

Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have been adjudicated. You have no right to maintain information which the government has deemed non-existent.

It is only fair that in accordance with section 1681 ( a ) ( S ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. Considering it does not require an investigation, I would appreciate your response within two weeks from the date you receive this letter. 

Sincerely, XXXX XXXX