davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am writing to dispute the validity of the debt associated with the accounts reported by XXXX XXXX XXXX XXXX to the credit reporting agencies. I have strong reason to believe that this alleged debts is fraudulent, and its inclusion in my credit report is both inaccurate and damaging to my creditworthiness. As per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to receive validation and verification of this debt upon request. I hereby request that you provide me with all necessary documentation validating the debt, including a copy of the original contract or agreement, any statements reflecting my obligation, and the chain of ownership demonstrating how you acquired the alleged debts. All accounts listed in Identitytheft are opened not by me and follow the law must be removed from credit report immediately. Furthermore, I request that you cease all collection activities related to this account until you have provided the required validation. Any failure to comply with this request within the stipulated timeframe may result in legal action, including but not limited to a lawsuit for violations of the FDCPA and FCRA. Please be advised that I am aware of my rights under the FDCPA and FCRA and will not hesitate to pursue legal recourse if necessary. Additionally, I have already filed a report with the Federal Trade Commission ( FTC ) and law agency regarding this fraudulent account. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2023-12-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Lennar Financial Services, LLC (NJ)

I am in the process of buying a house in XXXX, NC. Unfortunately, I had a loss in the family for which I had to travel overseas. This coincided with closing. I got a Power of Attorney done as advised by the lender, Lennar Mortgage. The POA was prepared by an attorney. The lender, however, refused to use the POA citing concerns over their ability to sell the loan to investors. 

I had raised another complaint with CFPB on above. The lender replied citing concerns with the validity of the POA. To add more information, my closing date was XX/XX/XXXX and the earliest appointment I could get was XX/XX/XXXX at the XXXX for notarizing the POA. Hence I flew back to get the POA in time for XX/XX/XXXX closing. 

To placate the lender 's concerns over the validity of the POA, I offered another execution of the POA at the XXXX XXXX  in XXXX, XXXX. I have still retained my appointment at the XXXX. The agent would be my wife, and we can furnish a marriage certificate if that's what is needed. 

I am hard pressed to see any concern with the POA given the option to get it notarized at a XXXX with the agent as my wife. How is this not a blatant violation of the North Carolina Uniform Power of Attorney Act 32C-1-120?
Consumer complaint received 2023-12-05
Product: Credit reporting 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)

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 2023-07-28
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. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX Balance : {$120.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian, XXXX XXXX and XXXX are reporting incorrect information on my credit report from XXXX XXXX XXXX. 
I was not under a contract for the period in which XXXX is claiming.
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (TN)

I have had automatic payment option in place for years now and I have recently been charged late and other fees by American Express and its affiliated claiming my payment were late. My payment can not be late if an autopay is in place for at least 5 days before my payment due date. I have requested proof and waiver of any and all fees charged. Yet American Express much like any other big bank bulldozers over customers and they simply dont care because they always get away with it. I want Amex and other companies to pay a hefty fine yo see how does it feel for them robbing customers off their hard earned money. I have been American Express card member since 2006 and I have never s en this level of unfairness until this past year upto now. This big merchant and banks need to be taught a lesson
Consumer complaint received 2023-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (PA)

TrueAccord is attempting to collect a debt letter dated XX/XX/. I replied in writing on XXXX XXXX  that the debt dispute the debt is not mine and ask for validation. I also call to verbally dispute, Received a text for this company on XX/XX/XXXX and called again XX/XX/XXXX and was give the a completely different and additional five account of collections totally {$820.00}. I filed a police report of Identity Theft with the police department XXXX. The Officer recommended to me file this report to assist with this company.
Consumer complaint received 2021-08-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (OR)

I have tried at least 3 times to cancel payments made by cashapp to XXXX & XXXX itunes. Ive contacted both merchants to cancel, & Ive contacted cashapp who just tells me to contact the merchants. but cashapp continues to make these payments without my approval & against my expressed wishes, taking money from my acct without authorization.
Consumer complaint received 2023-04-26
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: Fidelity National Information Services, Inc. (FNIS) (SC)

My bank has informed me that there is negative information reported by XXXX  XXXX XXXX RTN/ACCT # : XXXX included in the file ChexSystems maintains under my Social Security Number. Upon ordering a copy of the report, I see an entry from this bank listing Account Abuse. Please validate this information with XXXX XXXXXXXX XXXX and provide me with copies of any documentation associated with Account Abuse. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number. 

The item above should all be removed from my consumer report under 15 USC 1681s-2 ( 3 ) and 15 USC 1692e ( 8 ) violations.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

As per the USC Codes, specifically Section 1785.16 ( a ) ( 2 ) ( B ), it is the responsibility of the reporting agency to ensure that the information reported is accurate, and to reinvestigate any disputed information. Furthermore, under Section 1785.25 ( a ), any person who willfully and knowingly violates any provision of the FCRA may be liable for damages. 

I am confident that the investigation will reveal that the negative information reported by XXXX XXXX XXXX is inaccurate, and therefore should be removed from my ChexSystems report. I am requesting that you take the necessary steps to ensure that this information is removed as soon as possible.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX  XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX  XXXX XXXX {$2900.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$4000.00} XX/XX/XXXX
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

I am writing to bring to your attention several concerns regarding the inaccuracies of the information that you have been reporting. I have recently obtained my credit report from your agency and have discovered numerous mistakes and errors that require immediate attention. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (SC)

I am writing to file a formal complaint regarding a collection account labeled XXXX XXXX XXXX account number XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2023-12-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

I redeemed accumulated Reward points with Paypal-XXXX for XXXX XXXX XXXX on XX/XX/2023. Their website stated that e-gift cards would arrive within 48 hours. 
The gift cards never arrived. I contacted XXXX on XX/XX/XXXX asking when the gift cards would be sent. It took XXXX 5 days to respond stating they would resend them. after a week I contacted PayPal since they own XXXX. They stated they had no record of me being a customer ( I have a PayPal account in addition to the XXXX account ). Via online chat I interacted with PayPal over a 6 day period, was transferred to their reward depart 3 times only to be told they could not help and was redirected to XXXX. 
I again contacted Honey who told me the gift cards were sent but must have been hung up in the email providers spam filter ( unlikely since I review flagged spam emails daily ) At this point I simply want the {$130.00} worth of XXXX XXXX cards or the cash equivalent. I had hoped to use the gift cards to purchase Holiday gifts but obviously that did not occur. 

Paypal seems to be struggling with Customer Service and Rewards Management. I wonder how many other customers were defrauded.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I Recently reviewed a copy of my credit report. i was shocked to learn that i have been a victim of identity theft. i found numerous accounts on my credit report that were not open by me. This has been hurting me as i am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

Experience has flagged my personal car loan account as high risk I want this flag removed today Potentially Negative XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened Balance Status XX/XX/2016 Paid, Closed. 

This is what is on my credit report the judge told Experian to stop flagging consumer in this manner in prior court cases I want it removed
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX, XXXX and Experian is in violations of consumer law codes ( 15 USC 6808 ) ( 15 USC 1666B ) I was not notified of these late payments below Also, I did not give my written consent for these late payments below to be reported to my credit report this information is incorrect and Inaccurate I demanded this information gets removed immediately. Also, I demand that XXXX, XXXX and Experian shows proof that I gave my consent for these late payments to be reported to my credit report XXXX XXXX account # XXXX XXXX Account # XXXX
Consumer complaint received 2024-05-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (OH)

This is in regards a debt of {$690.00} place on collections. I have contacted FIRST FEDERAL CREDIT, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, disputing this debt place on my credit report. I was not aware of this debt until I apply for a student loan and was denied, I have always has great credit standing. I checked my credit report and noticed that this debt has been place on my credit report as delinquent. I have contacted Federal credit about this debt, they send me an original bill of {$690.00} for XXXX XXXX out of XXXX, Ohio for XXXX XXXX for a XXXX XXXX I contacted XXXX about this and was told that XXXX did not cover the expense for the XXXX for the routine procedure. I have also contacted XXXX about this issue and have been disputed, I still have not received any information. My questions to Federal Credit and XXXX continues to be the same, What control does a patient have when a doctor decides not to use the proper procedure for invoicing? The amount of {$690.00} is not a co-pay. Would this have been a out of pocket co-pay it would've been taken care of. As it is right now, my credit score continues to suffer due to a delinquent account I have nothing to do with when in reality the doctors office should have utilized XXXX, my insurance policy to cover all expenses related to the procedure.
Consumer complaint received 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am writing to express my extreme frustration and disappointment regarding the ongoing inaccuracies present on my credit report. Despite multiple attempts to address and rectify these errors, they persist, and I am appalled by the lack of action taken to resolve the issue. 

It is unacceptable that despite providing clear evidence and documentation to support my claims of inaccuracies, no corrective measures have been taken. These errors are adversely affecting my financial standing and credibility, and I demand immediate action to rectify them. 

I have diligently followed the dispute process outlined by your bureau, yet the inaccuracies remain unresolved. This negligence on your part is not only frustrating but also damaging to my financial well-being and reputation. 

I demand that you conduct a thorough investigation into the inaccuracies on my credit report and take immediate steps to rectify them. I expect a prompt resolution and regular updates on the progress of my dispute. 

Failure to address this matter with the urgency it requires will compel me to seek further action to protect my rights as a consumer. 

I urge you to take this matter seriously and prioritize the resolution of these inaccuracies without any further delay.