davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-29
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: Experian Information Solutions Inc. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-07-29
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: Experian Information Solutions Inc. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.
Consumer complaint received 2024-07-29
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. (OH)

I recently disputed XXXX XXXX XXXX from my credit report and it has reappeared on my report again. This violates my rights under the FDCPA. I also noticed two XXXX XXXX XXXX  accounts on my report that dies not belong to me. One was opened in XXXX of XXXX, and the other XX/XX/XXXX. I have never had a XXXX XXXX XXXX  credit card in my name.
Consumer complaint received 2021-05-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc. (TX)

Hired XXXX  law firm to assist with a loan modification with FCI Lender services , Inc XXXX XXXX 
XX/XX/XXXX XXXX advised me was approved for a loan modification and 1st payment due XX/XX/XXXX. Payment was made as indicated and on XX/XX/XXXX FCI lender services filed for foreclosure on my home. 
Prior to XX/XX/XXXX, it was XXXX XXXX XXXX  I originally began modification with and they requested I send {$7500.00} to began the loan modification process which I did and this was back in XX/XX/XXXX. So from XXXX to XX/XX/XXXX had been trying to get a loan modification from XXXX XXXX XXXX to no avail. I hired a law firm XXXX XXXX  XXXX XXXX XXXX law firm to assist and equally paid them fees. 
All monies spent and paid to both lender services and still getting foreclosed on. I need assistance please and urgently. Thank you
Consumer complaint received 2021-05-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

I got scammed using zelle by a seller. I submitted a complaint to my banking institution : XXXX. I also submitted a complaint to Zelle. They both said they could not do anything about getting the money back. I refuse to believe that because Im sure they can view their records and see where the money gets wired into.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing a formal and urgent complaint against XXXX  for their blatant disregard of the Fair Credit Reporting Act ( FCRA ) and their gross negligence in failing to validate and verify an account listed on my credit report. Account : XXXX Account # : XXXX XXXX XXXX : {$390.00}
Consumer complaint received 2024-07-29
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: Experian Information Solutions Inc. (FL)

Subject : Dispute of Inaccuracies, Inconsistent Late Payment Reporting, and Missing Data reporting under payment history account # XXXX  # XXXX Dear Experian, I am writing to dispute the accuracy of the information reported on my credit report. Recently, I disputed this account, and you stated that the account was verified as accurate. Please explain how you conducted your investigation to determine that this account is verified as accurate. Did you review all the information that the furnisher submitted to you to determine the account was reporting accurately, or did you solely rely on what the furnisher told you? 

This account was opened on XX/XX/XXXX, and under the payment history, this account is reporting NO data through XX/XX/XXXX to XX/XX/XXXX, also through XX/XX/XXXX to XX/XX/XXXX, and through XX/XX/XXXX to XX/XX/XXXX. This account was fully active and should have been reporting data during those dates. Experian, please provide me with information on how this account is reporting accurately when they did not report any data under the payment history while the account was active. 
Additionally, there are no 30 to 90 days reported late leading up to the 120 days late that you are reporting. This information is inaccurate and inconsistent. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Furthermore, the furnisher has violated 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which mandates that furnishers must not report information if they know or have reasonable cause to believe that the information is inaccurate. By failing to report any data under the payment history for the above dates while the account was active, the furnisher has breached their duty to provide accurate information. 

I demand that you conduct a reinvestigation and delete this inaccurate account from my credit report. Experian, you have failed to conduct a proper investigation as required by law. 

Please provide me with a written statement detailing the results of your reinvestigation, including the method and procedures used to verify the accuracy of the information. If you can not verify the accuracy of the disputed information, you are required to delete it from my credit report. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-07-29
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. (OH)

Please delete the following accounts and inquires I filed last month CFPB but still not response XXXX XXXX XXXX XXXX XX/XX/XXXX {$18000.00} XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing a complaint against XXXX regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX XXXX : {$430.00}
Consumer complaint received 2021-05-01
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collins Asset Group, LLC (FL)

My dispute is regarding a collection account showing on my credit report from Collins Asset Group , LLC in the amount of {$4400.00}, which I do not believe I owe. I have disputed this account directly with them and even hired a company to assist me with no result. They were informed that I never received an Explanation of Calculation of Deficiency and requested a copy from the original creditor showing the amount owed. They have refused to provide said letter. I will not pay until I receive proof that I in fact owed the {$4400.00} they are attempting to collect from me. Please note that this situation have negative impacted my credit and created a lot of emotional stress. I am requesting your assistance in enforcing this company to comply with my request or delete their trade line from my credit report. Thank you
Consumer complaint received 2021-04-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Blackhawk Network Holdings Inc. (CA)

I purchased two reload it cards from a XXXX store about two weeks ago. One for {$100.00} and another for {$80.00}. I tried loading them to a prepaid card but it keeps giving me an error message, when I reached out to the company for help they claim there is no known issue they can see but simply its my fault because I triggered a fraud alert which blocked the transaction. After waiting another week which was their instructions I tried it again and yet again I got the same error message. I tried loading a different pre paid card thinking that may fix it. Nope no different no matter what I do the transaction wouldnt go through. I tried having the company refund me the amount I loaded onto the cards but they are requesting the receipt used to purchase the cards, the actual reload it card, and a photo id. I do not have the receipt anymore because it was so long ago so they refused my refund. This seems completely wrong because I have the card stored on their reload it safe they call it so I obviously have possession of that money so there should be no reason they should refuse me a refund.
Consumer complaint received 2021-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: ALLIANT CREDIT UNION (DE)

Back in XXXX, I applied for a credit card issued by Alliant Credit Union based on the recommendation of XXXX XXXX. There was a card that had a 3 % cash back offer. Since I spend large sums of money conducting my business using a credit card, I considered this a good oppurtunity since my current card does not offer that much back. 

Alliant notified me that I was denied credit due to " lack of credit history ''. This is absolutely ridicules as I am XXXX XXXX XXXX and have paid off millions of dollars off over the last 45 years. 

I called Alliant and they just basically reiterated what was stated on the denial. They acknowledged that my credit score was XXXX and was rated " excellent ''. The can be no other explanation to turn me down other than some form of discrimination that is possibly ethnic, age, or something else. 

Please look into this matter for me please.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (LA)

I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. 

Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. 

Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. 

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. 

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. 
The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. 

I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.
Consumer complaint received 2024-07-29
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: Experian Information Solutions Inc. (MA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing a formal complaint against XXXX XXXX XXXX for their failure to adequately validate and verify an account listed on my credit report. This complaint concerns violations of my rights under the Fair Credit Reporting Act ( FCRA ). The details of the account in question are as follows : XXXX XXXX XXXX XXXX Balance Owed : {$380.00}
Consumer complaint received 2021-04-28
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: Westlake Services, LLC (CA)

XXXX XXXX XXXX  # XXXX Collection I have never done business with this company please remove this from my credit report. 

XXXX XXXX # XXXX Collection I have never done business with this company please remove this from my credit report. 

XXXX # XXXX - Collection This is not my account, I have no knowledge of this account please remove it from my credit report. 

WSTLAKESVC # XXXX Collection This is not my account, please remove this from my credit report. 

XXXX XXXX # XXXX - Collection I have never done business with this company please remove this from my credit report. 

XXXX  # XXXX Derogatory This is not my account, I have no knowledge of this account please remove it from my credit report. 

XXXX XXXX # XXXX - closed This is not my account, I have no knowledge of this account please remove it from my credit report.
Consumer complaint received 2024-07-29
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: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-08-27
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. (GA)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-07-29
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. (NY)

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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-07-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (FL)

I'm unaware of this debt. I didn't have the opportunity to dispute this information. If in fact you belive you gave me proper notification then please send me the certified reciept with my name on it with my signitaure.
Consumer complaint received 2024-07-29
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. (NY)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing a formal complaint against XXXX XXXX regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). The account details are as follows : Account Name : XXXX  XXXX Account XXXX Balance Owed : {$900.00}
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. 

Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. 

Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my XXXX XXXX 

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. 

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. 
The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. 

I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.