davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NC)

On XX/XX/2023 I reported unauthorized charges made to my account immediately upon discovery, they amounted to over {$3000.00}. I provided Chime with as much information and detail as I could recall based on trying to back track the events that occurred leading up to my report, I shared my best guess where I was unable to state facts. They denied my dispute on XX/XX/XXXX without providing a single explanation of why it was denied or any information they used to make the determination. In fact in their denial email they told me that I had to request the documentation they used to deny my claim, and so I did. Late XX/XX/2023, I received an email with a statement attached. I did not receive any documents. The bullet points listed in their statement were partially false and several of their statements were " suggestions ''. The used acronyms in this statement which I have no idea of their meaning, " txn '' for example. They have caused my family and I a tremendous amount of financial burden and undue hardship based on their handling of my dispute and denial of it based on frivolous generalizations and I am seeking to be made whole.
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CO)

I had set up a withdrawal out of my checking account for the amount of {$36.00} from the creditor ( XXXX ) on XXXX XXXX XXXX There was auto deposit in the amount {$1900.00} that morning on the same day. Which was verified. 
The issuing company ( XXXX ) states that is was rejected by chase. On that date. 
Chace rep claims that the transaction was rejected due to insufficient funds the statement says there was money in the account at the time. When I went back online to find this transaction it was no longer there. I call chase back to be place on hold for 2 hours. I then called back to be sent to someone in inda who I could barely understand what he was saying. I had repeated myself so many times to explain to him what the problem was with no results. I then asked for a manager or senior person, to be placed on hold for 20 mins then the line went dead. 
I have transaction from XXXX but not chase saying the even got a transaction?
Consumer complaint received 2024-05-22
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)

Dear Dispute Resolution Team, I am writing to dispute the accuracy of information regarding an account on my credit report. I previously disputed this account for accuracy, and it was verified by your agency. However, upon reviewing my credit report, I have noticed a discrepancy in how this account is being reported to different credit bureaus.

Specifically, the account in question is being reported as " closed '' on one credit bureau 's report, while it is being reported as " open '' on your credit bureau 's report. This inconsistency is concerning and has the potential to negatively impact my credit score and financial standing.

I urge you to investigate this matter thoroughly and rectify the discrepancy in the reporting of this account across all credit bureaus. It is imperative that accurate and consistent information is provided to consumers to ensure fair and transparent credit reporting practices. 

Please provide me with an update on the status of this dispute and the steps being taken to address this issue as soon as possible. I appreciate your attention to this matter and look forward to a prompt resolution. 

Account name : XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2024-06-04
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. (NC)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

To whom it may concern, In accordance with 15 USC 1681a Section 602, I have a RIGHT to privacy and the right to know where and how to direct the disclosure of my nonpublic information. I was not given this opportunity and I did not give Experian permission to put ANY of these accounts on my credit report. I am not asking for verification. Experian has no permissible purpose to put this information on my credit report without WRITTEN instruction. This is a violation of Section 604 15 USC 1681b ( a ) ( 2 ). Federal law, which congress put in place to protect consumers like me, overrides any company policy. The accounts that need to be deleted from my credit report immediately are listed below. Furthermore, my name is STILL incorrect, which gives me cause for concern for identity theft, along with these accounts being placed on my credit report without my written permission. The negligent behavior of Experian has negatively impacted my credit standing. I would prefer not to escalate this situation further, by enforcing my rights through costly arbitration for your company. 


Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX If you refuse to delete these accounts from my credit report, I want this 100-word consumer statement added to EACH account. My driver 's license and social security information will be included, and I request it be mailed back to me and not used again for any purpose. 


Attention all readers of my credit report. I am writing to express my extreme frustration with the inaccuracies and inconsistencies found on my credit report. The information associated with this account being reported is incomplete, inconsistent, and inaccurate. I have made a detailed written dispute to Experian and requested that they correct these errors, but Experian has refused to correct these errors or delete the account. I urge anyone reading this report to disregard this account as it does not accurately reflect my credit history or standing and should not be on my report.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-19
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: Experian Information Solutions Inc. (NJ)

I do not know this company called XXXX XXXX. I think these people are fraudulent or someone XXXX XXXX XXXX  or put other peoples accounts under my name. This one is for {$100000.00}. There is no financial aid officer giving out that kind of money. Nor did I apply for it and nor did I receive it.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (FL)

I had a XXXX XXXX XXXX  back in XX/XX/XXXX. The vehicle was paid by my insurance, and a small balance appears on the account. Per statement received, next payment due would be XX/XX/XXXX. Financial Institution report delinquency that still affecting me. The vehicle was never late. They reported 60 days past due.
Consumer complaint received 2024-07-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

Commencing on or around XX/XX/year>. I fell victim to two multi-layered scam operations run by XXXX XXXX XXXXXXXX XXXX XXXXXXXX which involved me making deposits for a total amount of XXXX USD from my Chase account to fraudulent investment firm.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Early Warning Services, LLC (MS)

I called a few banks to gather information about why I am being denied bank accounts and XXXX bank closed my account and was told it may be due to a consumer reporting agency such as Early Warning or other contracted consumer reporting agencies. In the past Early Warning never sent my report as requested and I have reason to believe that they may be reporting inaccurate or incomplete information about my person. I wish to exercise my right pursuant to the Fair Credit Reporting Act to a consumer report and file as soon as possible within 7 days.
Consumer complaint received 2024-07-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (GA)

Nelnet has been horrible to deal with, I have applied on numerous occasions for different programs to help with my loans and each time they never respond back and when you reach out to find out why, they claim they never received it and basically start your payments up again with no notice. I have apied for the XXXX program, waited for months to receive a response to the approval, and I have to call again to be told they needed a page with my name on it filled out, but did not send the email out to let me know what was needed, they just start up my payments again.The timely response is never followed up, you just get a note saying your payment is late, its getting worse and worse, no one is on the same page at nelnet, I have even did a application for the XXXX program, with a live agent walking me through it and requested to let them get XXXXXXXX XXXX tax document from them, as this was a option, and still they say they have not received this application, it is stressful and something needs to be done to stop this madness, I have no emails or calls to let me know if anything is needed or response until they send a payment letter out.I have been going through this non sense with NELNETsince XXXX of XXXX, I have filled out numerous of applications, by fax, email and XXXX need help, I'm tired of dealing with the lies and bull, I do my part and have proof to show gow many times I have applied for a program and all to be told they never received it, but they don't tell you that until you call and ask what happened with the application, When you get someone online, they keep making you start a new application over and over again.Nelnet do your job and keep notes and responses back to our Application status, instead of just demanding a payment that we did not know was due, we still be waiting on a response about our XXXX and XXXX applications.Someone please help XXXX and XXXX our.
Consumer complaint received 2024-08-19
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. (VA)

I submitted a credit repair request to a company, but they still 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 submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Tesla, Inc. (GA)

I was approved for a loan via Tesla Financial to purchase a used vehicle at the beginning of the year. I took delivery of the vehicle XX/XX/year>. Tesla Financial transferred the car loan tXXXX XXXX  XXXX XXXX at the end of the month. Tesla Financial did not make me aware of this change of what financial institute would be servicing my loan. I made multiple attempts to ask to make a payment ( which has typically be done through the Tesla app for my previous Teslas that I leased ). Tesla assured me that I would receive communication via the app. All the while, I was becoming delinquent in my car loan and XXXX XXXX XXXX XXXX claims they sent me information about my account with them. When they made attempts to call me, they never made an effort to identify who they were. I do not have a signed contract with XXXX XXXX XXXX. Through my own investigation, I determined that my car loan had indeed been transferred to XXXX XXXX XXXX, I was delinquent, and immediately made payments in the beginning of XXXX XXXX XXXX XXXX to bring my account current. During conversation, I was told that XXXX XXXX XXXX  would not report the delinquency to the credit bureau. A week later, my credit score dropped XXXX XXXX from XXXX to XXXX due to the delinquency reported by XXXX XXXX. I have made multiple attempts via phone to explain that they did not identify who they were, Tesla Financial did not notify me of the change of servicing, and that they are obligated to communicate when another financial institution is going to be servicing a loan. To this date, Tesla has still not sent any communication to that end and no one from their financial department has returned my communication. XXXX XXXX XXXX instructed me to write to their credit department request they change their report and I was denied. I have filed a dispute with the credit bureau which has only seen my credit score increase by XXXXXXXX XXXX Even if I wanted to be done with XXXX XXXX XXXX and refinance with another bank, due to their reporting I would have a significantly higher payment for a depreciating asset because of their actions.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX :. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I am writing to file a formal complaint and dispute regarding inaccurate information on my credit report as provided by Equifax. Despite my initial contact with Equifax on XX/XX/XXXX, I have not received a response to date. As per the guidelines outlined by the Fair Credit Reporting Act, I request your assistance in addressing this matter. 


The following discrepancies and required corrections pertain to my credit report : Account Name : XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$3600.00} I dispute the accuracy of the information provided for the aforementioned account. The reported balance of {$3600.00} is higher than what I recall. I request the removal of the amount indicated in the " Past Due '' section, as this account has a closed and charged-off status. I intend to communicate with the creditor responsible for this account to resolve any discrepancies in the reported data. Until the appropriate corrections are made, I kindly request that this account be marked as disputed. 

Account Name XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} Your agency has reported inaccurate information regarding the account mentioned above. The account is incorrectly associated with the company you have indicated, XXXX  XXXX, while my original creditor is XXXX XXXX XXXX XXXX, an entirely different entity. I have not entered into any contractual agreement with XXXX XXXX XXXX, nor have I ever been contacted by them. Furthermore, the reported balance of {$450.00} does not align with my recollection. In light of these inaccuracies, I am disputing the entire account and request verification of the " Date Opened '' and " Date of First Delinquency. '' Account Name : XXXX - XXXX XXXX Date Opened : XXXX. XXXX, XXXX Highest Balance : {$22000.00} I assert that the aforementioned account was never late. The reported information is inaccurate, and I request that you correct/update this on my credit report accordingly. 

Account Name : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Highest Balance : {$25000.00} The account indicated above was never late. I dispute the accuracy of the reported information and kindly request that you correct/update it on my credit report. 

Account Name : XXXX XXXX Date Opened : XXXX. XXXX, XXXX XXXX : {$310.00} I confirm that the account specified above was never late. The reported information is incorrect, and I request that you correct/update it on my credit report.