davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (PA)

Consumer Complaint : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024 Claim Amount : {$100.00} Complaint Details : I am filing a complaint against Navy Federal Credit Union regarding their handling of a fraudulent transaction dispute. On XX/XX/2024, an unauthorized charge of {$100.00} was posted to my account, which I immediately disputed as fraudulent. Despite my repeated requests for proof or documentation indicating that I authorized this transaction, Navy Federal denied my fraud claim without providing any justification or supporting evidence. 

I have also contacted the merchant associated with the charge, a company called XXXX, which confirmed that they do not process monetary transactions. On XX/XX/2024, I received a call from their secretary at XXXX, who stated that she had no knowledge of why I would have a charge from their company. This clearly supports my claim that the transaction is fraudulent. 

Recently, Navy Federal provided me with a vague and insufficient response that did not clarify the reasons for the denial of my fraud claim. They failed to provide any documentation or proof of my authorization for the transaction, nor did they explain the basis for their decision. I have explicitly stated that I do not recognize this company or the transaction, yet my concerns remain unresolved. 

Desired Resolution : 1. I request that Navy Federal Credit Union provide clear, documented proof of authorization for the transaction in question.

2. A detailed explanation of why my fraud claim was denied, including any investigation details.

3. Immediate reversal of the unauthorized charge and correction of my account.

Navy Federals failure to provide transparency and adequate protection for my account has left me no choice but to seek further action. I hope this issue can be resolved promptly, but I am prepared to take additional steps if necessary.
Consumer complaint received 2024-09-21
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. (TX)

Consumer name : XXXX XXXX. 
Social security XXXX :XXXX DOB XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian, XXXX, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of XXXX XXXX  and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a account that opened up by OFFICE OF ATTORNEY GENERAL opened up XXXX XXXX, 2017 under account XXXX, XXXX XXXX XXXX opened XXXX XXXX,2022 under account XXXX, XXXX XXXX XXXX opened up XXXX XXXX, 2023 under account XXXX, XXXX XXXX XXXX under account XXXX, XXXX XXXX XXXX opened XXXX XXXX, 2021 under account XXXX, XXXX XXXX opened XX/XX/XXXXXXXX XXXX, 2022 under account XXXX, XXXX XXXX opened XXXX XXXX, 2020 under account XXXX, XXXX  XXXX opened XXXX XXXX, 2020. These accounts have resulted in several fraudulent hard inquiries and fraud collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed for my rights within the FCRA and FDCPA laws. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of XXXX XXXX  and fraud. I have attached a copy of FTC XXXX XXXX XXXX Complaint XXXX ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of XXXX XXXX and fraud.
Consumer complaint received 2024-09-23
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)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX should not show a past due balance
Consumer complaint received 2024-09-23
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)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX Is a Collection Company and should not have a past due amount or date by default
Consumer complaint received 2024-09-20
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. (NY)

I recently reviewed my credit report and discovered several inaccuracies that do not accurately reflect my financial situation. This erroneous information is negatively impacting my credit and limiting my ability to obtain credit. 

I have already disputed these accounts with each credit Bureau but have not received a satisfactory resolution. I am now seeking the CFPB 's assistance to investigate these inaccuracies and ensure they are removed from my credit report. 

Below is a list of the of inaccurate accounts I am asking you to investigate : 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 Thank you for your attention to this matter.
Consumer complaint received 2024-09-23
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: Experian Information Solutions Inc. (TX)

FCRA 1681e ( b ) of the federal Fair Credit Reporting Act. The FCRA requires consumer reporting agencies, such as XXXX, to follow reasonable procedures when preparing... credit report. Section 1681e ( b ) also requires the plaintiff to present evidence that the credit report is inaccurate. On XX/XX/year> Per XXXX ID XXXX XXXX stated XXXX  XXXX customer service never received Disputes from the the CRA Experian XXXX and XXXX and I would need to request all updates in writing I explained that the CFPB submitted my complaint to all three CRA XXXX XXXX XXXX stated again no documents has been submitted to XXXX  XXXX to address this issues. XXXX stated last updated was in XXXX from all three CRA. However I'm not understanding how the CRA are verified disputes as updated or Accurate when customers service agent such As XXXX cant located the disputes at the following stated no documents has been submitted.Im requesting an investigation into the CRA disputes process by the CFPB and requesting updates in 30 day in writing to this consumer. Im requesting delete of my account charge off and will be filing complaint with the State Attorney Office and FTC which clearly shows the CRA are not investigating Dispute according with FCRA Act.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida, XXXX XXXX XXXX XXXX Subject : Complaint Regarding incorrect Social Security, Name and Address on my Credit Report. 

Dear, Credit Reporting Agencies, I am Writing to Formally Complain about inaccuracies in my Social Security Number, names and addresses Records that have serious implications for my financial wellbeing and personal identity.

Upon reviewing my Credit Report and Social security, I have identified multiple addresses that do not belong to me as well as names including a wrong social security number that are not associated with my identity. This not only affects my credit score but also raise concerns about identity theft and fraud.

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information in my credit report. I am requesting that you investigate these discrepancies and correct my Social Security records accordingly. The accurate information is as follows : 1. My Social Security is XXXX not the one ending on XXXX XXXX. My Correct Addresses are as fallow : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My Names is been XXXX XXXX XXXX I have attached supporting documents, including copy of my identification and social security card to aid your investigation. I would Appreciate your prompt attention to this matter, as it is crucial for me to rectify these inaccuracies. 
Please Confirm receipt of this letter and inform me of the steps being takento addressed my concerns. I look forward to your response within the 30 days, as stipulated by the FCRA or earlier if is possible. 

Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX.
Consumer complaint received 2024-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX TX, XXXX Account number : XXXX NAME : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida, XXXX Dear XXXX XXXX XXXX. I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following i nformation : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-23
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. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account number XXXX XXXX XXXX XXXX Account number xxxxxx XXXX XXXX XXXX Account number xxxxx XXXX XXXX XXXX XXXX Account number xxxxxx XXXX, has violated my rights. 

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.
Consumer complaint received 2024-09-21
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. California XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/year> Re Acct # : XXXX This letter is regarding account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 

XXXX requesting validation, made pursuant to the Fair Debt Collection Practices Ack Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

XXXX Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

XXXX XXXX
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-09-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Chime Inc. (FL)

Hi I set up a transfer few hours ago and got an email that that my account was deactivated. 

I had substantial history with the company and never had this problem before. 
During the transaction the company changed the exchange rate so the amount equaled in XXXX  XXXX  The transaction number ends with a XXXX  Then company sent me two verification codes both with 38 In my birth country the year of birth on my passport is XXXX  I then asked the company why it was sending the same numbers as this is an Iranian discrimination and harm method and the company said it was my bank doing it so it lied because the codes were sent by the comapny and the figures pertain to the app This company did not deliver the pending transaction I got on the chat from my other account, and the customer service agent would not help me and provided irrelevant information I suspect this company is Iranian realted or I am being harmed on purpose by this company Why is this company suported by CFPB and the united staets of america Please request from this company 1 ) why my transaction was not delivered on time, 2 ) why it changed the exchage rate in the middle of transaction, XXXX ) why it deactivated me account, XXXX ) why it would not delete my personal information and accounts when asked, XXXX ) and to provide all my prior transaction information since my account is deactivated, XXXX ) to delete my accounts and personal information
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ( XXXX ) ( b ). 
Account name : XXXX XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

Good Afternoon : A Bankruptcy Account is still reporting upon my Personal Credit Report, after and beyond a legal duration of 10 ( TEN ) Consecutive Years. With that said, this particular account should of deleted this pastXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. 

Moreover, via Consumer Law ; theoretically, this account should be purged from my report immediately.
Consumer complaint received 2024-09-22
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. (CA)

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.