davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
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: JPMORGAN CHASE & CO. (TX)

Complaint Regarding Chase Bank, XXXX, and XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding ongoing issues with Chase Bank , XXXX, and XXXX that have significantly impacted my credit score without valid reasons or explanations.

The crux of the issue lies with Chase Bank 's attempt to transfer the title of my car solely into my sister 's name, effectively disregarding my ownership of the vehicle. This move appears to be an attempt to cover up the theft of my car by XXXX XXXX and the powerful individuals associated with him. I want to clarify that the car rightfully belongs to me, XXXX XXXX, and my sister was merely a cosigner on the loan. 

Moreover, in their recent response to my inquiry, Chase Bank alleged a late payment dating back to XX/XX/XXXX, despite the fact that I made a {$500.00} teller payment on that same day. They claim this was the only delinquency of more than 30 days on my account and that it remained unreported until XXXX when I paid off the account. This information is inaccurate, misleading, and raises serious concerns about the integrity of their reporting. 

Furthermore, XXXX recently dropped my credit score by XXXX points without providing any valid reasons or explanations. This recurring issue has persisted for over a year, causing significant distress and harm to my creditworthiness. 

I am seeking your urgent intervention to rectify these discrepancies and ensure fair and accurate reporting from both Chase Bank and XXXX. Specifically, I request the following actions : XXXX Score Drop : Investigate the sudden drop in my credit score by XXXX points and provide a valid explanation for this action. 
Stolen Car Situation : Review Chase Bank 's response and ensure that they address the theft of my car situation appropriately.

I believe that fair and accurate credit reporting is essential for maintaining financial stability and trust in the banking system. Your prompt assistance in resolving this matter is crucial, and I appreciate your attention to this ongoing issue.
Consumer complaint received 2024-09-24
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: Navient Solutions, LLC. (OH)

NAVIENT student loan servicer has been claiming since XXXX  that i was 120 days late for two months, on two different loan. This is false. I was never late. I was on an income based payment plan before having my loans forgiven for being aXXXX % XXXX XXXX veteran. When my loans were paid they were even backdated prior to these alleged late payments but still they remain. I have disputed this every month for 2 years now and have received the exact same form letter answer from NAVIENT And the credit bureaus despite evidence to the contrary would not remove these errors. I have called customer service, emailed the XXXX XXXX and even went so far to email every single high ranking person I could find on their website - and still just stunning silence. I have asked to be furnished with evidence and explanations of their investigation and got nothing. These erroneously reported four late payments of over 120 late days has had a devastating effect. My credit score at XXXX point was XXXX. I could rent anywhere, I couldnt get a job, I had trouble even getting a bank account. I was finally lucky enough to get 2 banks to open an accounts but suddenly these accounts were closed, my money frozen and I couldnt even by food for my XXXX XXXX XXXX. I even remember one representative said to me during a distraught conversation about what to do- they said, you can always go to a food bank and hung up. NAVIENT abused their power and stole years of my life and time with my son. And the credit bureaus are complicit. I also asked them for evidence in every dispute and every call, email, chat and phone call and their response every single time was - NAVIENT CONFIRMS THIS REPORT AS ACCURATE AND NO CHANGES WOLL BE MADE. After 15 years in the XXXX, a devastating injury, forced retirement and all the XXXX I often wonder what my life would look like right now if those 4 lines of code on a stupid credit report had been accurate. Would I be healthy? Would my son have avoided trauma? Would my marriage have not fallen apart? NAVIENT should be held to account for a great deal more than they are and XXXX, XXXX XXXX need to be held accountable as well.
Consumer complaint received 2024-03-21
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: JPMORGAN CHASE & CO. (TX)

Complaint Regarding Chase Bank, XXXX, and XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding ongoing issues with Chase Bank , XXXX, and XXXX that have significantly impacted my credit score without valid reasons or explanations. 

The XXXX  of the issue lies with Chase Bank 's attempt to transfer the title of my car solely into my sister 's name, effectively disregarding my ownership of the vehicle. This move appears to be an attempt to cover up the theft of my car by XXXX XXXX and the powerful individuals associated with him. I want to clarify that the car rightfully belongs to me, XXXX XXXX, and my sister was merely a cosigner on the loan. 

Moreover, in their recent response to my inquiry, Chase Bank alleged a late payment dating back to XX/XX/XXXX, despite the fact that I made a {$500.00} teller payment on that same day. They claim this was the only delinquency of more than 30 days on my account and that it remained unreported until XXXX when I paid off the account. This information is inaccurate, misleading, and raises serious concerns about the integrity of their reporting. 

Furthermore, XXXX recently dropped my credit score by XXXX points without providing any valid reasons or explanations. This recurring issue has persisted for over a year, causing significant distress and harm to my creditworthiness. 

I am seeking your urgent intervention to rectify these discrepancies and ensure fair and accurate reporting from both Chase Bank and XXXX. Specifically, I request the following actions : XXXX Score Drop : Investigate the sudden drop in my credit score by XXXX points and provide a valid explanation for this action. 
Stolen Car Situation : Review Chase Bank 's response and ensure that they address the theft of my car situation appropriately.

I believe that fair and accurate credit reporting is essential for maintaining financial stability and trust in the banking system. Your prompt assistance in resolving this matter is crucial, and I appreciate your attention to this ongoing issue.
Consumer complaint received 2024-03-21
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: JPMORGAN CHASE & CO. (TX)

Complaint Regarding Chase Bank, XXXX, and XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding ongoing issues with Chase Bank , XXXX, and XXXX that have significantly impacted my credit score without valid reasons or explanations. 

The crux of the issue lies with Chase Bank 's attempt to transfer the title of my car solely into my sister 's name, effectively disregarding my ownership of the vehicle. This move appears to be an attempt to cover up the theft of my car by XXXX XXXX and the powerful individuals associated with him. I want to clarify that the car rightfully belongs to me, XXXX XXXX, and my sister was merely a cosigner on the loan. 

Moreover, in their recent response to my inquiry, Chase Bank alleged a late payment dating back to XX/XX/XXXX, despite the fact that I made a {$500.00} teller payment on that same day. They claim this was the only delinquency of more than 30 days on my account and that it remained unreported until XXXX when I paid off the account. This information is inaccurate, misleading, and raises serious concerns about the integrity of their reporting. 

Furthermore, XXXX recently dropped my credit score by XXXX points without providing any valid reasons or explanations. This recurring issue has persisted for over a year, causing significant distress and harm to my creditworthiness. 

I am seeking your urgent intervention to rectify these discrepancies and ensure fair and accurate reporting from both Chase Bank and XXXX. Specifically, I request the following actions : XXXX Score Drop : Investigate the sudden drop in my credit score by XXXX points and provide a valid explanation for this action. 
Stolen Car Situation : Review Chase Bank 's response and ensure that they address the theft of my car situation appropriately.

I believe that fair and accurate credit reporting is essential for maintaining financial stability and trust in the banking system. Your prompt assistance in resolving this matter is crucial, and I appreciate your attention to this ongoing issue.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: V and H Portfolio (NV)

Vance & Huffman LLC is attempting to re-age an account from Build Card, that was allegedly opened by myself in XXXX, I never received any correspondence from a XXXX XXXX, nor from Vance & Huffman LLC, the new collection activity is being reported as an opened date of XX/XX/XXXX, I have never received any correspondence from either entities, the XXXX XXXX account was not on any of my previous credit reports, I am not the owner of said account, I am requesting a debt validation and verification letter confirming the details of the debt in writing.
Consumer complaint received 2017-05-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: ZIONS BANCORPORATION (NV)

We got a secured prepaid credit card with Nevada State bank about 3 years ago. We were never told the card had an annual fee, and up to this year we have never been charged an annual fee. We do not have a balance on this card. We have only used the card once and we paid off the balance that very month. This was when we first got the card. The credit on this card is the money we paid to secure the card, so the bank did n't actually lend us any money at all for this card. Suddenly, we were charged an annual fee, and then we were charged a late fee on the annual fee. So the bank is basically stealing money from us by fabricating charges, not sending us monthly statements nor having a clear way to check the statement on this card, then charging us late fees on their own fees. We called the bank. We explained the situation and they refused to explain why suddenly we are being charged annual fees when we have n't been charged those in the past. We asked the costumer service agent,  XXXX , to look into the history of the card so he could see for himself that this is the first time we 've been charged annual fees. He (  XXXX  ) claimed that he was not allowed to look that far back into the account. We asked this  XXXX  to waive the fees and he refused. He also refused to close the credit card even after we paid their fees. So now by refusing to close the card the bank is refusing to return our {$2000.00} dollars back which we used to open the card. Nevada State bank is stealing {$2000.00} dollars from us!
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. (IL)

I am writing to formally dispute the inaccurate reporting of the XXXX XXXX XXXX XXXX account, issued by XXXXXXXX XXXX XXXX and ending in XXXX, on my credit report. Despite my previous communication with XXXX and their response ( enclosed ), I believe the reporting of this account contains several inaccuracies that have not been addressed appropriately. 

Inaccuracies Noted : Inconsistent Reporting Dates : The account 's date of last activity, charge-off date, and other key data points vary across the major credit bureaus. XXXX alleges the last activity date as XX/XX/XXXX, with a charge-off on XX/XX/XXXX, yet my credit report reflects conflicting information, which has negatively impacted my credit score. 

Balance Discrepancy : While XXXX claims the balance owed is {$620.00}, there are inconsistencies in how this amount is reported across different credit bureaus. For example, the balance listed on XXXX is {$240.00}, while XXXX and Experian reflect the higher amount. This discrepancy violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2, which mandates accurate and consistent reporting. 

Failure to Investigate the Claim Thoroughly : Despite XXXX investigation, they failed to properly validate the inconsistent reporting of the account, including incorrect balance and last activity information. Additionally, their failure to provide adequate documentation supporting these figures raises questions about the legitimacy of the reporting.
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (PA)

Navy federal credit union applied an NSF fee I have overdraft protection and I dont understand why I have {$29.00} NSF XXXX The company is also charging {$20.00} per transaction even if the transaction is on the same day. I was not told that this will happen this way.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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.

EQUIFAX 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 2024-09-23
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. (TX)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2023-03-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (MA)

Macy 's corporate office XXXX XXXX XXXX XXXX XXXX, OH XXXX and and XXXX XXXX XXXX collection agency TO STOP AND DECEASE from harassing me for an account I know nothing about. A negative amount balance of {$1600.00} has been erroneously reported on my credit report for more than 7 years. 

Its a Disgrace how These multimillion dollar companies and collection agencies come after the those working poor and/or the unemployed. The credit report stated I open the store account on XX/XX/2022. 

I have not open any store account during the entire year of 2022 prior or after.
Consumer complaint received 2024-04-17
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: EQUIFAX, INC. (GA)

these inquires are from creditors i dont know are do business with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( XXXX ) not state that such consumer owes any debt ; ( XXXX ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; XXXX XXXX XXXX A debt collector XXXX not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
Consumer complaint received 2023-04-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (GA)

I have been locked out of my Chime account for over a year due to an XXXX scam. I have contacted Chime about this and was asked to take a selfie holding my government issued ID. When I completed that, I then was asked to take a selfie holding my ID with only the date. After I submitted that I was asked to submit a selfie holding ID with my name and the date written on a piece of paper. I have submitted the requested information over 10 times and I am still unable to access my account.
Consumer complaint received 2024-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CT)

In XXXX, the XXXX XXXX XXXX ( XXXX XXXX XXXX ) placed an account in collections through " The Bureau '' claiming that the card and the debt belonged to me. I submitted a claim with the CFPB,, also with the original creditor as well as the debt collector requesting a cease and desist if the creditor or the debt collector could not provide me with the original instruments of account opening, including but not limited to, the identification card used to open the account and any contracts bearing my signature. Once that information could not be furnished, the Bureaus had no choice but to remove the account from my credit report as well as comply with the cease and desist order. The collection account was removed from my credit report. 

Subsequently, in XX/XX/XXXX, the XXXX XXXXXXXX XXXX re-sold this debt to a different debt collection company, LVNV Funding, placing this account in collections on my credit report. Since then, they have not furnished me with any information or documents to validate this debt, yet their practice of placing an unsubstantiated debt on my credit report without notifying me or validating the debt is illegal as per FCRA guidelines. 

I am requesting a complete cease and desist order against XXXX XXXXXXXX XXXX from outsourcing this debt to any other collection companies until they can properly authenticate this debt as belonging to me. I am also requesting that LVNV Funding remove this derogatory account from my credit report. I have contacted XXXXXXXX XXXX as well as LVNV Funding. 

They continue to send me statements of the account but have failed to validate the debt as belonging to me. I have requested an application bearing my signature and a copy of my identification proving that I was the party that opened the account. So far they have not provided me with this proof. Under the FCRA, if the creditor can not validate the origin of the account and its accuracy and authenticity, they are required by law to remove it from being reported to the credit bureaus. This is damaging my credit rating.
Consumer complaint received 2023-11-27
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. (NC)

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are reporting as inaccurate and I dont own any accounts with these merchants and I request to have these unauthorized inquiries blocked and removed from my credit report immediately
Consumer complaint received 2021-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

For the last year I've been trying to access my Equifax amount and it keeps saying it encounters a problem to call. I call and they say do the forgot user and password, I do Everytime and Everytime same thing, please call Equifax. I've been on hold countless hours, been hung up on, been transferred, told well I don't know what to tell you etc. I can't even dispute inaccurate info, see scores, amounts, nothing. I need to be able to verify the info as accurate. Please help XXXX XXXX XXXX XXXX XXXX