davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (FL)

I have been a fraud victim were someone has rented a property under my name. I don't know where it was, but a collection agency named Hunter Warfield placed the reference on my credit without validation for the amount of {$13.00}, XXXX. I can 100 % assure that this account does not belong to me. Apparently, the account rental was in another state that is not XXXX  where I have been living since XXXX.
Consumer complaint received 2020-09-08
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: EQUIFAX, INC. (FL)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. Contacted the Federal Trade Commission and filed a complaint # XXXX, Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize, which are attached in the following attachment.
Consumer complaint received 2016-02-25
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Collection Service, Inc. (AR)

I would like to dispute a claim that is on my credit report. The claim is from XXXX XXXX XXXX XXXX in XXXX XXXX, Arkansas. I did not know this claim existed until I enrolled in XXXX XXXX. I contacted XXXX XXXX XXXX XXXX and they informed me that their records only go back to XXXX and apparently they had no information on the claim. I was told to contact CSI collection agency for further information. 
I would like to know how a clinic can say that I owe them money but have no record of services rendered. 
I called CSI and was told that I owe {$290.00} to this clinic for services that I have no recollection of. My son was a patient there up until XXXX but he was fully insured at the time with XXXX as I was a young single mother at the time. 
CSI told me that the services were for me and not for my son??? which is very confusing to me, because I was never a Patient at XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-09-08
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. (FL)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. Contacted the Federal Trade Commission and filed a complaint # XXXX, Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize, which are attached in the following attachment.
Consumer complaint received 2020-09-08
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1.  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Consumer complaint received 2020-09-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA (TX)

My installment loan transferred from XXXX XXXX to Yamaha Finance XX/XX/XXXX. During that time my payment was due. I tried several times to call Yamaha Finance to let time no that I was not able to make my payment ( due to an error on their end. ) I was unsuccessful getting someone on the phone, so I emailed them. I received a letter from them ( XX/XX/XXXX ) stating that the original letter they sent me had the wrong account number on it. I made a payment the following week, but they still reported me late to the credit bureaus. XXXX was also supposed to be my last payment however they are stating that I have a balance of XXXX give or take a few dollars. I have requested in writing and via phone a payment history of my account detailing how each payment was applied. 
1st request XX/XX/XXXX XXXX XXXX ( requested payment history and 3rd request to have any extra monies applied to principal. 
2nd request XX/XX/XXXX Yamaha Finance that I was not able to make a payment after several attempt to reach them via phone.

3rd XX/XX/XXXX Requested payment history 4th XX/XX/XXXX Requested payment history and to speak with management was promised a follow up call which I never received. 
5th XXXX XXXX Requested payment history was advised by floor supervisor that I was requesting the wrong document. I was advised by XXXX Operator XXXX that I should have been requesting a amortization schedule. I replied Why would I request a amortization schedule if I am trying to see how my payments have been applied not a schedule of how they would have been applied based on a certain date and amount. I requested to speak with management XXXX advised me that it take Business days for someone to call me back as of XX/XX/XXXX I have not received a call back. 

I have also emailed customer service regarding this issue. 

I have only received a document showing my payments but now how the payments was applied. 

Please see documents which shows
Consumer complaint received 2020-09-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SYNCHRONY FINANCIAL (WI)

On XXXX at XXXX central time i believe her name was XXXX called from Synchrony bank in re my Amazon credit card that is in collections with them. I adv that she is illegally calling me outside of approved hours and would be filing a complaint.
Consumer complaint received 2020-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/2020 I sent a letter regarding in accurate and unknown things on my report. 
on this day over 60 days later I have not received responds yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 day gives a reason to immediately remove those items from my credit report it been over 60 days so they should be deleted promptly. I'm asking these accounts be deleted immediately or I will have to file litigations due to the XXXX  you caused me. My information was also impacted by the XXXX and XXXX Data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Caliber Home Loans, Inc. (IL)

Hello, We have been a home mortgage Customer with Caliber Home Loans for more than an year and recently refinanced with themselves right just before COVID19 Lockdown. During the refinancing, my profile was not changed but somehow they dropped the monthly debiting from my Bank and due to COVID lockdown, we are unable to open the postal mail on time due to quarantine and did not realized payment was late as I was under the impression that they have my Bank information already. I never received any email nor any text message on this late payment and we were so focused on protecting our self from COVID virus. The moment we got to know, we paid all pending payment but they reported 1 day late payment to all 3 credit agencies which hit my credit score heavily which is adding mental stress on top of all COVID lockdown, pandemic related health concerns and managing family to stay safe.
Consumer complaint received 2020-09-07
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: TOYOTA MOTOR CREDIT CORPORATION (OH)

Reviewing my credit report and noticed that there was an account that does not belong to me and need it removed from my credit report. I am a victim of fraud and this is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). 
Account : TOYOTA MOTOR CREDIT, XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

My correct address is the following is : XXXX XXXX XXXX XXXX SC XXXX I have never resided at the following addresses, please delete them : XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX
Consumer complaint received 2020-09-07
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. (CA)

I recently sent in letters over 65 days ago to this bureau and they are disregarding a regular consumer dispute. I have experienced emotional stress because of it.
Consumer complaint received 2020-09-07
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I sent a certified complaint to Experian ( EX ) about late payment and derogatory inaccuracies it has been over thirty days and I have not received the results. I am requesting that all of the derogatory information be removed.
Consumer complaint received 2020-09-04
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. (AL)

THIS COMPLAINT IS NOT DONE BY ANY THIRD PARTY AS YOU SAID IN MY LAST COMPLAINT. IT IS DONE BY ME, XXXX XXXX XXXX and Experian are fraudulents on my accounts : XXXX   XXXX  is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX/XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX
Consumer complaint received 2020-09-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

I was quoted {$4400.00} to included points and closing costs To refinance my mortgage at 2.25 % for a 15 yr mtg. by Amerisave ( my current mortgage company ). When I ask for a detailed description of what these costs included, I was emailed by the broker XXXX XXXX, refinance documents and the price had jumped to {$5600.00}. He continues to avoid my calls, and I can not get anyone else to return my calls, or reply to my email.
Consumer complaint received 2020-09-04
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: Experian Information Solutions Inc. (GA)

To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR XXXX  1. you are reporting 3 different dates of last activity/Date of last payment/and Date Open XXXX XXXX   Account Number : XXXX Delete this account for reporting inaccurate information. 
2. I was never late on this account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. the date 's of last activity are inaccurate XXXX XXXX XXXX   Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

FOR Experian 1. you are reporting 3 different dates of last activity/Date of last payment/and Date Open XXXX XXXX  Account Number : XXXX Delete this account for reporting inaccurate information. 
2. I was never late on this account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. the date 's of last activity are inaccurate XXXX XXXX XXXX   Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

FOR XXXX  1. you are reporting 3 different dates of last activity/Date of last payment/and Date Open XXXX XXXX   Account Number : XXXX Delete this account for reporting inaccurate information. 
2. I was never late on this account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item.
Consumer complaint received 2020-09-04
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. (NJ)

I have attached copies of my file from XX/XX/XXXX and XX/XX/XXXX of this year. XXXX XXXX had reported the account as being 30 days late one time in XX/XX/XXXX ( on the XX/XX/XXXX report ). But as you can see on the XX/XX/XXXX report, the account now shows a series of delinquency from XXXX through present with the existing status of 120 days delinquent. The report date of the item in question is XX/XX/XXXX and XX/XX/XXXX respectively. 

I disputed this with the bureaus who sent it to XXXX XXXX. XXXX XXXX   provided the attached letter indicating that indeed the account was only late in XXXX and that is how they reported it to the bureaus. 

I spoke to a credit bureau representative who provided the standard : " We are not arbitrators. If XXXX XXXX sends us the data, we report it ''. 

I am stuck in a loop on this. The error ( either at XXXX XXXX XXXX  reporting or on the bureau level ) is costing me thousands of dollars in financing fees.
Consumer complaint received 2020-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

Experian lists my Chapter XXXX as open, but it was dismissed as part of Chapter XXXX. Filed for Chapter XXXX in XX/XX/XXXX ( in XXXX  ). In XX/XX/XXXX, Chapter XXXX was discharged after being transferred from XXXX to XXXX.. I have made 4 attempts in the last 6 weeks, to dispute with Experian and they will not change the information. This information is correct on my XXXX and XXXX  reports. I am not sure why Experian can not get the information corrected. I have scanned AND mailed information, still with no result.
Consumer complaint received 2020-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

XXXX, XXXX, OR EQUIFAX is apparently reporting a fraud alert, security freeze or another form of " block '' on my credit file. This is causing me substantial problems in obtaining credit therefore please remove from my files.
Consumer complaint received 2020-09-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CULLEN/FROST BANKERS, INC. (FL)

This was due to an over drawn back account was on my credit report for over 4 years with the same amount owed of {$4100.00} This amount was given on Cashier ; s Check with Restrictive Endorsement that the bank agreed with by cashing the check and not returning it! After the payment the bank slapped other {$2200.00} and did not live up to the agreement of the Restrictive endorsement that they signed and cashed, When I called the Bank the bank told me to talk to the Attorneys office on this matter? The bank had the attorneys office call me I explained too two different individuals at the law firm that they already Settled the case by casing the Restrictive Endorsement the Attorneys office said OH we have to reach out to the bank? The Attorneys office emailed be Back with this  Statement? 
Thank you, sir. 



I appreciate your briefing. However, the bank disagrees with your position. We are open to settling the remainder of the claim for {$3300.00} due by XX/XX/2020. You will have to forward payment to our office, not the bank, but payable to Frost Bank. 



Respectfully yours
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, PA XXXX XXXX Account Number Num : XXXX Balance {$150.00} Dear Sir or Madam, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/XXXX I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
Consumer complaint received 2020-09-06
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: SYNCHRONY FINANCIAL (NC)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.