davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (MA)

Hello, On XX/XX/2022, I bought a set of 4 chairs on XXXX. 
I received my order. However, the chairs were damaged, and some of them were of different colors. 

I contacted the merchant asking for a return. The merchant sent me two return labels. They also told me that XXXX would come to pick up the chairs. XXXX gave me two different dates for the return. However, XXXX never came. 
I contacted XXXX back. The agent told me that I canceled the return directly with XXXX. I told the agent that I never canceled the return and had never been contacted by XXXX. I also requested the prove that I canceled it. XXXX never replied to my request. XXXX offered me a 5 % refund to keep the chairs. I refused and asked to return the chairs and get a full refund. 

Because XXXX didnt follow their return policy and never accepted my return. I disputed the transaction with my bank : Naver Federal Credit Union. 
On XX/XX/2022, Navy Federal gave me a temporary credit while they are investigating my dispute. 

Apparently, XXXX didnt appreciate that I dispute the transaction so XXXX charged my card one more time for the same order. 
A few days after, I sent my documentation to Navy Federal and they said that no billing error occurred because I canceled the transaction.

I explained to Navy Federal that XXXX said that I canceled the return but was not able to prove it. How is it possible to refuse my dispute if the merchant was not able to prove what they said? 

I sent pictures of the damaged items. I sent pictures of the return labels I got. I sent emails I received from XXXX telling me that XXXX was coming on different dates. I showed my good faith in my wish to return everything I got my money back. 
I proved that XXXX never wanted to accept my return and just wanted to give me a 5 % refund in exchange for the damaged items. 

NOW : - XXXX charged me one more time for this order. 
- Navy Federal reversed the second temporary credit I received. 
- Now my credit card is charged twice for the same order. 

I am asking for a refund of the order I placed in XXXX AND a refund for the new charge that was processed without my authorization. 

Thank you. 
Best, XXXX XXXX
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me XXXXl and financial XXXX when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2024-04-08
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. (CA)

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. 

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 2023-12-20
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)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

SINCE 2019 I HAVE BEEN FIGHTING AGAINST ID THEFT. THERE HAVE BEEN MULTIPLE ACCOUNTS AND INQUIRES THAT HAVE DISPLAYED ON MY CREDIT. WHEN CONTACTING THE CREDIT BUREAUS AND REFRENCING 605B THE INQUIRES STILL REPORT.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I recently reviewed again my credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2023-12-20
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. (AL)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX ACCOUNT NUMBER XXXX from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report Fair Credit Reporting Act Section 605B
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2023-12-20
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. (FL)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than XXXX. This is done XXXX XXXX XXXX XXXX. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave XXXX  written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (TN)

Cavalry his illegally garnished my wages. The debt in question is not mine Cavalry his no verified this and did not send second notice of court date for me to dispute this debt. This lack of candor has caused me and my family great financial hardship, XXXX XXXX XXXX and myself physical stress due to the fact I am fighting XXXX. I am now behind on all fo my bills because of Cavalry SPV I LLC negligence to verify and to notify the account or me. I lost my one match donor out of XXXX XXXX donors for a XXXX XXXX and must do the search over for another donor that matches due to Cavalry Portfolio Services , LLC unjust/unfair practices.
Consumer complaint received 2023-12-20
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. (FL)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than XXXX. This is done XXXX XXXX by XXXX. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave XXXX  written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-08
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. (CA)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Dear Bureau, I am writing to formally lodge a complaint regarding an issue I have encountered with Experian, XXXX of the major credit reporting agencies. In XXXX, I had completed a legal name change with a court order. In XXXX, I reported the name change to Experian. The agency updated my information accordingly, ensuring that all my records were current and accurate at that time. 

Unfortunately, I have recently discovered that there has been a significant regression in the accuracy of my personal information on file with Experian. It appears that the system has inadvertently reverted my details to a previous state, replacing my correct information with outdated and incorrect personal data. This error has had a severe impact on my financial standing, most notably rendering me incapable of applying for any form of loan due to the inaccuracies reflected in my credit report. 

Given the gravity of this situation and the potential implications it bears on my financial health, I feel compelled to escalate the matter by filing this complaint with your office. It is my hope that, with your intervention, a thorough investigation can be conducted into this matter, and that Experian will be directed to correct the inaccuracies in my credit report as a matter of urgency. 

I am prepared to provide any further information or documentation as may be required to assist in your investigation. I trust that your office will take the necessary steps to address this issue promptly and prevent such occurrences in the future. 

Thank you for your attention to this matter.
Consumer complaint received 2023-06-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANNER CORPORATION (PA)

I tried to transfer money from Banner Bank XXXX XXXX XXXX XXXX XXXX and the transfer was not completed. Banner Bank took {$200.00} out of my checking account and it never appeared in my XXXX XXXX XXXX account. Customer service departments from both banks refuse to fix the problem after more than 5 attempts with both, so {$200.00} of my money has been stolen.
Consumer complaint received 2023-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act 15 XXXX 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.
Consumer complaint received 2023-04-29
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. (TX)

All negative items must be reviewed and status updated immediately. Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4
Consumer complaint received 2023-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-11-26
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. (CA)

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 .... Balance : - ; XXXX XXXX XXXX XXXX .... Balance : {$5500.00} ; XXXX XXXX XXXX XXXX. Balance : {$4300.00}
Consumer complaint received 2023-12-02
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC. (FL)

On XX/XX/23 I checked my credit report, and I noticed numerous inaccuracies on my credit report. I sent a letter to all XXXX bureaus, and they have not removed the accounts.
Consumer complaint received 2023-12-20
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. (GA)

I've observed several deviations from mandatory reporting standards, which cast doubt on the accuracy and completeness of the data in my report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information in my credit report. 

In accordance with 15 U.S.C 1681e, consumer reporting agencies must employ reasonable procedures to ensure the utmost accuracy of information in consumer reports. Furthermore, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information about consumer accounts with integrity and accuracy. This includes conducting reasonable investigations into consumer disputes, as outlined in the Consumer Reporting Resource Guide ( CRRG ) and adhering to Metro 2 compliance standards. 

Deviation from these standards, as emphasized in the XXXX, jeopardizes the integrity of the data, potentially compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to contest these inaccuracies and non-compliant items. Ignoring my demand would indicate a disregard for my consumer rights. 

It is unjust for you to report unconfirmed and ethically questionable information that does not meet certified reporting standards. I challenge these claims and request evidence of proper reporting standards. Your violation of my rights is documented in this communication, citing concerns about incomplete and non-compliant reporting. 

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 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have a collection account that is being reported. I initiated a dispute on last year and even contacted the company of XXXX XXXX XXXX who is reporting the account. They assured me the account was in error, but it still remains on my credit.
Consumer complaint received 2023-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/1967 SS XXXX XXXX XXXX PORTFOLIO RECOVERY SHOWING ON MY CREDIT PORTFOLIO RECOVERY STATING OPEN XXXX XXXX FOR THE AMOUNT {$740.00} NO ACCOUNT NUMBER NO ORGINAL CREDITOR INFORMATION JUST DESTROYING MY CREDIT MY NEXT STEP IS TO FILE A CASE FOR DEFERMATION OF CHARACTER PLEASE LOOK AT ATTACHMENT NO INFORMATION JUST HURTING MY CREDIT YOURS TRULY XXXX XXXX
Consumer complaint received 2023-09-21
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. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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