davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-05
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)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-01-05
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: Experian Information Solutions Inc. (NY)

I have communicated several times with you ( Experian ) concerning the persistent presence of inaccurate information on my credit report. Despite multiple notifications highlighting these errors, you persist in reporting incorrect details within my file. This situation not only raises concerns about fairness but also suggests potential violations of legal standards, making it imperative for you to promptly fulfill your obligation in addressing this matter. According to regulations, you ( Experian ) must take corrective action in response to my request. 

I am formally requesting a detailed description of the procedures employed by you ( Experian ) to determine the accuracy and completeness of the XXXX XXXX account in question. Additionally, if no information related to this account can be produced, I request that it be blocked and deleted from my consumer report. I anticipate the implementation of this corrective action within four days from the date of receipt of this notice. 

Your prompt attention to this matter is greatly appreciated.
Consumer complaint received 2024-01-05
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)

I am distressed that CREDIT BUREAUS has included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure the maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated and deleted : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : {$25000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-11-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NY)

Last month the fly-by-night outfit ( Nationstar ) that bought my mortgage tried to charge me late payments dating back a over a year to XX/XX/XXXX, which of course would be illegal. However, since Nationstar acquired my mortgage my payment has gone up and down considerably without notice, so I looked at my statements. I 've owned my house since XX/XX/XXXX, and the purchase price at that time was {$23000.00} plus closing costs and my current mortgage statement with Nationstar states that I still owe more than {$20000.00} on my house -even though there were times ( since XX/XX/XXXX ) that I made double mortgage payments on the principal loan. I would like the CFPB to investigate the entire life of my mortgage loan, looking for irregularities of which I believe there are several. My Nationstar Mortgage reflects nothing from my previous loan/mortgage with XXXX XXXX XXXX so it appears as though my mortgage began in XX/XX/XXXX instead of XX/XX/XXXX when I bought my house. Nationstar wants to charge me {$15.00} because they updated their website ; they also have {$5.00} and {$10.00} 'fees ' added to my account indiscriminately from XX/XX/XXXX onward so it appears that I never paid my mortgage on time. They also want to charge me {$25.00} to see a payoff amount or the entire terms of my mortgage. This was never the case when XXXX XXXX XXXX held my mortgage, I could see my entire loan at any time. I 've asked Nationstar about all of this but they refused to send me any information, is there anything you can do to help me? Thank you, XXXX XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX AV XXXX XXXX, CA XXXX
Consumer complaint received 2016-07-09
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (FL)

Western Union refused to pay recipient of funds on multiple occasions. They retained my money for 6 months, and I have not been refunded. 

On numerous occasions I called or attempted to look up the transaction online. Every time I was informed that they could not find my tracking number ( XXXX ), and after escalating the situation, would be informed that the transaction was " on hold '' or " frozen ''. Each time the representative would inform me that they removed the " hold '' and the funds were available for pick up. And every time my receipient continued to be denied the funds. 

Last week I requested a refund. The representative agreed to issue a check for the funds as the debit card I used to fund the transaction was set to expire. I was told I would be contacted in 24-48 hours by Western Union to verify my address. I was never contacted. 

Since then I called Western Union 3 times : 1 ) First time learned that the representation last week had NOT cancelled the transaction, and that it was still on " hold '', but that they would release the transaction so that I could go online and cancel it myself. 
2 ) The second call I spoke to a supervisor who said that the transfer was arranged online so they could not refund me. When I explained that my debit card had expired, she said she would connect me with a different department, and the call dropped. 
3 ) During the third call a different representative told me that they could not issue a check for the refund as the transfer was originally arranged online. Instead, her supervisor would escalate the issue to their back office, which she referred to as the " trace desk department '' and would contact me within 24-48 hours. 

6 months, lots of time wasted, and no resolution about IF and WHEN I will ever be refunded. I have never encountered so many mistakes from a financial institution, especially on such a basic transaction. I would recommend wire transfers to anyone considering western union.
Consumer complaint received 2024-01-05
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)

I contacted EXPERIAN on XX/XX/XXXX with no recourse. I am due an accurate credit report I have misspellings as well as several unmailable addresses that need to be deleted immediately, I choose to opt out of reporting pursuant to 15 usc 6802. I the consumer choose to opt out. Any authorization I have given whether written or unwritten verbal and non verbal as a federally protected consumer.According the privacy act of 1974 states No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). 
I've also reached out to dept of EdXXXX to remove all accounts due to the FERPA It prohibits educational institutions from disclosing personally identifiable information in education records without the Witten consent of an eligible student. 2o uses 1232g ( ( b ) )
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have filed 4 different disputes regarding 4 inaccurate late payments reporting on my XXXX XXXX XXXX XXXX  card. The late payment dates are showing in the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have never been late on this account. I have requested for the credit agency to provide proof of late payments or detailed method of their said verification ; if company is unable to provide confirmation, please remove all late payments from account and update the account to pays as agreed never late. The credit Agency has failed to provide proof/ evidence of late payments and removal of late payments/ history update. After multiple attempts, the credit agency is no longer allowing me to submit disputes. This is causing me a lot of financial distress.
Consumer complaint received 2024-01-05
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)

I am distressed that Experian has included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure the maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated and deleted :
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

They are reporting wrong information seeing my XXXX XXXX is way lower when its actually higher not reporting the right balances and getting those companies the wrong information about my credit report and not correcting items on my credit report that I am in good standings instead showing negative Ive been in contact with Trans Union and XXXX and experience to fix these issues, but they have still not
Consumer complaint received 2024-01-05
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)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-06-20
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

During Covid 2020 I was out of work for XXXX weeks and ex spouse left me and my children during Covid. I wasnt working so I called the Navient and credit bureaus to get the negative information for my credit report showing that I hadnt paid for both private school loan accounts due to financial hardship. They said they understood and would remove the negative information. I waited and but there hasnt been any changes to my credit report.
Consumer complaint received 2024-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP (NY)

This is a follow up complaint for XXXX. I incorporate that complaint by reference. 

The issue is a washed check from XX/XX/XXXX for my company, the XXXX XXXX XXXX XXXX XXXX. 
The amount of the check is {$3200.00}. 

As you can see from my prior complaint, I have called the Key Bank fraud line many times and on several occasions been treated poorly, at best. 

My last complaint to the CFPB resulted in a letter dated XXXX XXXX XXXX from Key Bank Enterprise Client Relations. This letter is part of the file for my prior complaint and incorporated herein. 

It stated that, despite my many calls over the past two years, that Key Bank neglected to tell me of a request from XXXX XXXX. They did not advise me of this request for over one and a half years, despite my many calls. The Key Bank letter of XXXX XXXX XXXX acknowledges this error on their part. 

Allegedly, XXXX  XXXX is looking for an affidavit stating that XXXX XXXX is the Receiver of Taxes for XXXX. XXXX. She properly endorsed the replacement check for the washed check.This is public information, available on their town website and can be easily verified. This is an elected position. It is similar to being requested to prove, but affidavit, that someone is a governor or president. This is a fact they can verify. 

The end of the letter stated additional documentation is needed and that I was to work directly with XXXX XXXX at the XXXX branch. That is my local branch and I have cordially dealt with her over the years we have had these accounts. 

I have tried many times to reach out to her. 
1. I emailed her on XX/XX/XXXX. 
2. I emailed her again on XXXX XXXX XXXX 
3. I emailed her a third time on XXXX XXXX XXXX 
4. I then called and left a message with another employee. I was told she was busy but she would call me back. 
5. I sent a written letter on XXXX XXXX XXXX 

I have not had a response to any of the emails, the call or the letter. This is poor bank customer relations. 

I can not imagine that two years have passed and these funds have not been returned to the account. I have already provided all the documentation that was requested. 

I can not believe that Key Bank did not tell me or a year and a half that XXXX XXXX requested information on XX/XX/XXXX and that I was not informed until the letter of XX/XX/XXXX was sent to me. 

The information requested the name of the Receiver of Taxes, is public information. 

I also am very displeased that I have tried to contact the designated person at Key Bank, five times but there has been no response. 

I would appreciate that this matter be promptly resolved with the return of the funds to the account.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on the USDOE/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due and this incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as to remove these lates however, I have not been successful.
Consumer complaint received 2024-07-06
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)

This is the second attempt to remove inaccurate information that You have prepared inaccurate and incomplete consumer reports concerning me and published said reports to third parties in violation of the Fair Credit Reporting Act ( FCRA ). Unfortunately, your unlawful conduct has caused me a lot of stress and financial harm, including worry and other distress, out of pocket costs and expenses, and loss personal credit opportunities. 

The following tradeline that you prepared and published about me is inaccurate and incomplete : DPT EDXXXX XXXX Account number XXXX
Consumer complaint received 2024-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK (IL)

I have disputed two unauthorized transactions on my XXXX Debit card account and every time theyre rejected without even doing an investigation into my claim! 


I did not make these two transactions on my account! I submitted a police report and messages from the merchant that the card was used at! What else do you guys want?! 


You do not protect your cardholders and Ill be contacting my attorney general if you dont sort it out!
Consumer complaint received 2024-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (TX)

I have a Virtual Wallet account with PNC, where I noticed lots of unrecognized charges and ATM withdrawals. 
Account Number : XXXX All charges made from XXXX XXXX. 
Total amount from unrecognized charges {$8400.00} USD. 

Attached the Statement with the detailed charges and the dispute made with the bank. The bank states that an extra debit card was requested on XX/XX/XXXX and sent to our address wich is not correct. I did not do so and did not receive that extra debit card. They do not want to give us any extra information regarding who authorized that debit card and why did they issue it. Most of the charges are ATM withdrawals and I have proof that I was our of the country on those dates. I believe there is something we could do since I believe I was victim of a fraud. 

PNC will not help with this dispute. They answered on their behalf everything seems normal. 
Please advise.
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (CA)

A Care Credit card issued by Synchrony Bank with a promotion involved. My discussions with their employees have been many. On XX/XX/XXXX it was agreed balance should be corrected to {$7700.00}. It was to be done in 72 hrs and reflected within the next 1 or 2 statements. The biggest problem is a customer has to re-exlplain the situation everytime. They do not assign a case # to reference. They will not email or mail a confirmation of discussion and agreement. There is no means to re-connect with the same agent. They claim they cant call or return a call. It is the WORST company for customer service. They rely on notes entered in the customer sccount which have to be reviewed on each call. I have been paying approx {$500.00} per month since the XXXX agreement and my balance is at {$11000.00}. It is ridiculous!
Consumer complaint received 2024-01-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (NM)

Navy Federal has stolen {$140.00} via my XXXX account to pay for their egregious banks fees that are NOT legal.i have received return check fees and have never physically held or given out checks. There system never gave me the option to change the account my XXXX is linked to. The transaction was not initiated by me and i requested it be cancelled rather than taken from me. The first person under their XXXX department, i spoke to stated i could receive my money back as long as it was pending. Once i spoke to a different representative for Navy Federal checking accounts, they stated although SHOWING PENDING that its not pending for them to be able to cancel it. Its Sunday and no bank transactions can be completed therefore this should be able to be reversed! They have stolen money I do not have to pay their fake fees. Furthermore when speaking to a supposed supervisor she threaten to hang up on me simply because I told her information was not helping me get my money back. CHECK THE RECORDINGS. LASTLY, Stating i am in debt to them is treason to the United States.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Leviton Law Firm, Ltd. (NY)

XXXX XXXX XXXX has put negative feedback on our business credit report and violated numerous FDCPA laws. They are servicing their client XXXX XXXX without any proof or supporting documents. We are XXXX XXXX XXXX XXXX XXXX We have NEVER had a contract with XXXX XXXX. We used to manage XXXX XXXX XXXX XXXX and we were terminated on XX/XX/year>. XXXX XXXX XXXX XXXX and their new managing XXXX XXXX XXXX incurred debt of {$10000.00} and later paid it off in XX/XX/year>. We have proof from XXXX XXXX a branch manager from XXXX XXXX that the debt was paid off. In any regards, XXXX refuses to remove their negative feedback from our credit report. We were referred to your agency by the NYS attorney general 's office. XXXX attorney refuses to return our calls and emails. They claim they do not know how to remove negative feedback.