davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (TX)

CACI, Consumers Adjustment, a debt collecting agency, has recently identified itself as a Creditor on XXXX XXXX 's 3 credit bureaus credit reports as XX/XX/XXXX and XX/XX/XXXX. 
Derogatory Information 1 Account XXXX XXXX XXXX Date Reported XXXX XXXX XXXX Creditor Name CONSUMER ADJUSTMENT CO - CONSUMER ADJ Status Closed Unknown Unknown Derogatory Information 2 Date Reported XXXX XXXX XXXX Creditor Name CONSUMER ADJUSTMENT CO - CONSUMER ADJ Derogatory Information 3 Account - XXXX XXXX Date Reported - XXXX XXXX Creditor Name - - CONSUMER ADJ CACI disclosed itself as a Debt Collection Agency on XX/XX/XXXX to XXXX XXXX. XXXX XXXX has never done any type of financial obligation transactions with CACI directly. CACI was attempting to collect a health insurance claim for Hospitalist Medicine Physicians of Texas, XXXX related to an Emergency Room treatment performed on XX/XX/XXXX and XXXX for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX of Texas, XXXX erroneously filed incorrect emergency room claims from XX/XX/XXXX to XX/XX/XXXX. Both claims have been settled as XX/XX/XXXX and XX/XX/XXXX. Hospitalist Medicine Physicians of Texas, XXXX is currently reviewing the case because I have asked them to withdraw the Credit Bureaus Debt Collection and Derogatory Information and to help me regain the XXXX points I lost in my FICO credit rating. CACI has renewed the debt information and listed themselves as Creditors. I request that all Debt Collection and Derogatory Information be removed from my credit reports to the 3 credit bureaus and that my XXXX points on my credit report be reinstated. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX CA XXXX CACI, XXXX XXXX XXXX, XXXX XXXX MO XXXX
Consumer complaint received 2022-10-13
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. (FL)

I am notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the accounts included on my credit report are either not mine or were opened without my knowledge. I need your help to remove these items from my report. Any accounts referenced in an identity theft report must be blocked by the credit bureaus, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX  XXXX Balance Owed : {$75.00} XXXX  XXXX Balance Owed : {$1400.00}
Consumer complaint received 2023-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (CO)

On XX/XX/2023 I paid my BarclayCard account statement balance in full using the Barclay website to pay from my non-Barclay checking account. The payment cleared my checking account on XX/XX/2023. Today, XX/XX/2023, I noticed that Barclay had placed a " pymtmonyhold '' on my account, reducing my available credit by the amount of my already-cleared payment. Barclay habitually does this just as I habitually pay my statement balance in full every month. I called Barclay today and spent an hour on the call with the representative, who informed me that Barclays still did not receive my payment from my bank. I called the branch manager at my bank and she informed the representative that the money left my bank and bank account on XX/XX/XXXX. Barclay acknowledges the payment ( see attached monthly statement ) but won't update my credit line accordingly, in violation of their own payment processing policies ( see attached payment processing chart on Barclay 's website ). The Barclay representative informed me and my bank manager that we needed to wait until this Friday or next Monday to take further action on this matter, to " see if the money arrives to Barclays. '' This was an ACH debit initiated by Barclays and my bank paid it on XX/XX/XXXX. Someone needs to investigate the payment crediting practices of this bank because they are nonsense. Foreign representative who barely speaks English much less understands US banking law and practice. It doesn't take 7-10 days for an ACH payment to be received by the initiating, debiting party. Barclays has the money, they are just being punitive. I've had this account for nine years and never had a payment returned by my bank, never missed a payment, and usually pay in full each month. Why is Barclay 's doing this to its best customers?
Consumer complaint received 2022-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (NC)

Last year early summer. I started having {$26.00}. Taken from my banking account every other week. Unrecognizable transactions. the company name was ACIMA XXXX XXXX XXXX. AS OF XXXX, 2022 its stated as charge off. I have also sent my bank XXXX XXXX XXXX XXXX information and they investigated the matter. I was rewarded my money back from all the months ACIMA XXXX XXXX XXXX was taken out which was XXXX dollars total. I have did a police report. No Leads. The wrong social security numbers were used. They had all my information except for my birth date and social was wrong. Which is an unauthorized use of my information. 


Penal Code 530.5 PC N.C. Gen. Stat. 14-113.20
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-05-23
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. (NY)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and are impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. Please investigate these matters and remove the disputed items as soon as possible. 

The following two accounts that need to be removed are XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-18
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: Experian Information Solutions Inc. (NJ)

last month i took a look at my credit report last month and i noticed around XXXX negative items that where not mine. I quickly found out that these accounts where open without my consent. i think that maybe my cousin used my information to open these accounts.
Consumer complaint received 2019-07-30
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. (CO)

XXXX XXXX is reporting incorrectly to XXXX and Experian a collection in the amount of {$5100.00} on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page 27 of the attached credit report. ) When I contacted the property manager and made payment arrangements, I was told that I would be receiving an itemized bill and that this account would be taken out of collections because I have been making the required monthly payments. This account is still showing up on my credit report as a collection. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this, however I have been unsuccessful.
Consumer complaint received 2018-09-26
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MA)

Facing foreclosure on XX/XX/XXXX. For over a month I have tried to obtain proper payoff & reinstatement quotes from Wells Fargo. Wells Fargo continues to delay, obstruct, and not answer pertinent questions to make the either the payoff or reinstatement.

As of today, XX/XX/XXXX I have no valid payoff / reinstatement quotes for a XX/XX/XXXX foreclosure date.

This is common as I received the attached XX/XX/XXXX payoff / reinstatement quotes via email on XX/XX/XXXX at XXXX with a good thru date of XX/XX/XXXX XXXX.

I specifically asked Wells Fargo the below question on CFPB complaint # XXXX, and Wells Fargo specifically refused to answer in their XX/XX/XXXX response ( attached ).

Biggest issue is I have is the 1 mortgage with Wells Fargo, but 2 loan balances.

Mortgage - Wells Fargo Loan # XXXX 1st Loan Balance per XX/XX/XXXX Payoff = {$760000.00} 2nd Loan Balance per XX/XX/XXXX Reinstatement Quote ( attached ) and XX/XX/XXXX Wells Fargo Letter detailing the remaining loan balance after reinstatement payment ( attached ) = {$840000.00} Why is there a {$84000.00} difference in the total amounts due?

I have one mortgage, not two, and I should have one overall loan balance on one mortgage, not two drastically different loan balances on one mortgage.

I again ask, please detail why the difference and if in error, remove the {$84000.00}
Consumer complaint received 2021-11-19
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. (WV)

I, the consumer asked for the XXXX XXXX XXXX to verify the information that they claim is accurate by providing proof of evidence ; documentation from the creditor claiming that I owe an alleged debt. The XXXX XXXX XXXX has failed to send me proof of documentation as required by the Fair Credit Reporting act. Pursuant to XXXX XXXX XXXX ( a ) ( XXXX ) which comprehensibly states that the only permissible purpose of consumer reports by any consumer reporting agency may furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer who it relates. I, the consumer gave written instructions as to what I wanted removed from my report due to fraud, inaccurate information and violations of my rights.
Consumer complaint received 2024-03-11
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 formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2022-05-23
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: EQUIFAX, INC. (GA)

I recently checked my credit report and noticed that lots of inaccurate accounts and inquiries, I immediately made a Letter to the respective agencies dated XX/XX/2022 and I wonder why after 30 days I haven't received any response from them so I had to research about my right and found that according to this article { FCRA 611 ( 15 U.S.C. 1681I ) } there's this 15 days additional for the reinvestigation. So I calm myself and waited for another 15 days to passed. Today I couldn't wait for another day it is over 45 days since I mailed them about it but still no response at all. According to article that I read failure to investigate 30 days gives a reason to immediately remove those items from my credit report. I feel like I am being ignored and being taken advantage.
Consumer complaint received 2023-02-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but I checked my credit report and found that some of the data were stillincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX A+ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-01-07
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A. (NY)

Money stolen from Citibank account 2 times in a 3 day period through unauthorized ATM withdrawals. 
Bank failed to cancel ATM card after XXXX incident was reported. 
Bank has made me open at least XXXX separate investigations claiming system problems, to deny having an open investigation for the fraud.
Consumer complaint received 2024-02-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (MD)

I was going to clear up a debt I knew I owed with Paypal Credit. I called the original company XX/XX/XXXX at XXXX and was informed the debt was transferred to a paypal collections the number they gave me was XXXX. Called the number was infromed it was transferred to another company called XXXX and XXXX. 

Called them and was informed how the debt was sent to them I asked did they try to send me any paperwork in the mail and they stated they did not. I let them know only because when she told me the address I no longer live there. And I did update address with paypal. I updated my mailing address on file with XXXX & XXXX and said please send anything here. That was XX/XX/XXXX. 

Gave me a file number and said they would send the agreement via email. I got it and sent them 2 payments so far. Emailed and called to let them know it is a struggle to pay the third payment and was told nothing she XXXX do about that since I agreed. She put a note in that I would make the payment late. That was on XX/XX/XXXX when we actually spoke to a person. 

I was then informed I needed to send a signed copy back of what she sent me on XX/XX/XXXX. I told her I thought I did respond, but in the end, I really do not remember anyone saying please sign and send back. Just they would write up the agreement and send to me. And in the email it does not state to please sign the settlement agreement. I just saw the first page and put the email saved as important. Not familiar with a law frim debt collector. 

Now that I actually read past the part of what I owe I see a case number that is titled with the court information. I look up the case number in the system. And it is a pending judgment and something stating I have been served. But where and when? I see it is my old address and I do not live there anymore. And after I informed the company of my proper address I see they continue to let communication go there. 

So now I need an understanding of how am I suppose to work with them if they can not work with me and give me correct direct information. But I guess because they are a lawfirm they over power me. And the old address is in another jurisdiction. Plus my ID and credit report all state new address. 
And the agreement they want me to sign has my new address on it but that is not what is on record for the court. 

This is unfair
Consumer complaint received 2022-10-13
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. (WA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-02-22
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. (NY)

I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 
This item shows I have a 30 day late on my car loan with XXXX  ( account XXXX ). This is inaccurate. I have never made a late payment on this loan. I am requesting that the late payment reporting be removed. IF they can not provide proof it must be remove.
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OK)

I'm making sure my personal request to ensure that NO INACCURATE DEROGATORY information is reporting on my Consumer Credit Report and that any such information, ESPECIALLY THOSE PREVIOUSLY DELETED by other CRAs, are immediately deleted from my file. I have things that are reporting on my credit file that were previously deleted by other CRAs but still being reported by EQUIFAX. Attached below will be proof that the things being reported on my profile have been DELETED BY OTHER CRAs but still being reported by EQUIFAX. on XX/XX/2022 i received an updated copy of my credit report showing XXXX were unable to fully verify accounts on my report. It was deleted immediately afterwards. Same with XXXX. But unfortunately, Equifax is still showing these accounts on my report. I NEED EQUIFAX TO UPDATE MY CREDIT REPORT WITH THOSE ITEMS REMOVED THAT WERE REMOVED FROM OTHER CREDIT REPORTING AGENCIES 15 U.S.C. 1681i 15 U.S.C. 1681i 15 U.S.C. 1681i
Consumer complaint received 2022-10-13
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been a bump into going over this and I am submitting this complaint OVER AND OVER AGAIN to remove the following fraudulent accounts in my file that are reporting on Experian Credit Bureau. This is so unbelievable! How can you guys let these multiple complaints pass? I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. I have contacted the furnishers and they agreed to delete the accounts from my file. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. You have not provided me any proofs! Come on! THIS IS NOT ROCKET SCIENCE! 

XXXX XXXX XXXX, XXXX  XXXX
Consumer complaint received 2021-11-19
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. (WI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (GA)

On my credit report I see a credit card I did not authorize and I have spoke with XXXX XXXX and they can't help me or assist and I am requesting this to be removed from my credit or marked as closed due to I have no knowledge and it's incorrect and a violation to FCRA " All must report accurate information or shall be subject to penalty '' I have made this my third and last request otherwise I shall file a Class Action as I have checked that XXXX XXXX is incredibly high in fraud and transactions as of any other bank.
Consumer complaint received 2021-11-22
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: CITIBANK, N.A. (SC)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.