davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

I've reached out to NISSAN MOTOR ACCEPTANCE and asked them to provide me with documents, and the procedure they took that proves and validates that I had ever been late on any of my payments. I have yet to receive any proof and I dispute the accuracy of the information that is being reported on my credit report which violates federal law. 

Account Name NISSAN MOTOR ACCEPTANCE Account Number XXXX Account Type Auto Loan Date Opened XX/XX/XXXX Late : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX
Consumer complaint received 2022-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NJ)

Hi, I have current mortgage with BSI Financial, and when I check status on my payment on the BSI Financial for month of XXXX. It's shows that I have not make the payment and it's passed due. When I see from my online bank that BSI Financial did cashed a check on XX/XX/2022 so I don't understand how BSI Financial stated that they received this XXXX payment. Plus I'm there no one picking up phone from customer service of BSI Financial. I have left two message, and so far I have not received any phone call back from the BSI Financial. I'm really annoyed with BSI Financial in sense how they operate business and how US government let this type mortgage company tolerate with business practice that they are using with consumer. US government to step in and look over each consumer complaint with this mortgage lenders.
Consumer complaint received 2020-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (HI)

When you first login to your Care Credit account with Synchrony Bank, a window appears requiring that you update your personal information with this message : " Our records indicate that you may have incorrect or incomplete data on file. Please take a moment to verify your personal information to ensure delivery of important notifications. '' You can only select the button " Update Required '' because the " Continue '' button does not work. 

The second pop-up window indicates 3 missing items on my account per Synchrony Bank is my work and home phone numbers and my monthly net income. Now, since Synchrony already has my mailing address and mobile phone number, I dont feel I need to also give my home and work phone numbers. Further, in providing additional phone numbers, you are agreeing to Synchonys contacting you at those numbers to which I do not agree. Finally, since I already have an established line of credit and an account in good standing, there is no need for Synchrony to know my current monthly net income. I will disclose my income when I need a higher line of credit. Synchronys message on that pop-up window is " Our records show that we do not have your updated income. Please review and save. '' I left my income at {$0.00}. Selecting the cancel button took me right back to the original pop-up screen soliciting for my personal information. Selecting the continue button exited me from that solicitation loop. I think most people would have responded to the invasive request and inputted their personal information because you can not easily exit out of the loop and the language " update required '' is a mandate. 

I complained to Synchrony that asking for income information as if it were a required update is misleading and an invasion of privacy. That complaint has been erased from my Messages history on their website. Synchrony is wrong to solicit customers ' most current personal income information as if it were a required disclosure when those customers have already been approved by Synchrony for a line of credit. If Synchrony would like to have that information to consider increasing a customers line of credit, then it needs to state it as such. Otherwise, it should NOT be privy to that information.
Consumer complaint received 2015-11-04
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (IL)

I have received repeated ( daily ) calls from Midland Credit Management , Inc . They call late at night because the company has outsourced debt collection to XXXX and representative do not know the time in United States. In addition, the representative that call and answer company 's phone use fake name to appear as if they are calling from the United States. They are rude, overbearing, and lack a demand of the English language to effective communicate. The company has given me the runaround in my attempt to get them to stop calling my home.
Consumer complaint received 2022-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANKUNITED, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX, i deposited a check of XXXX dolars on my personal account on Bank United. They told me that it will be available 72 hours after. One week after, the amount wasnt there and tbey were telling me that tbe branch was the one who had my money on hold. Ive been costumer for a year and my acc moves more than XXXX XXXX on a month... so i need help
Consumer complaint received 2022-12-24
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2023-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2020-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (NY)

Problem : {$1300.00} worthy of Uber Visa Card points are forced to depreciated into {$250.00} uber cash Late XX/XX/XXXX, Barclays relaunches the Uber Credit Card. In the informing email sent out to its existing card-holders, it only emphasized the change of new rewards earning structure, including earn 5 % back in Uber Cash, mentioned all rewards points would be converted into Uber Cash if not asked to be redeemed by card-holders before XX/XX/XXXX. 

Mid-XX/XX/XXXX : I redeemed {$250.00} Uber Cash, which is marketed as " earned this billing cycle. '' I couldn't help notice that there was {$1000.00} marked as " earned last statement '' but I was unable to redeem them because {$250.00} was all that the Uber app showed as " available to redeem. '' ( Please see attached Exhibit A and B for reference ) I called up Barclay and they asked me to seek help from Uber, so I did. Then Uber asked me to address the issue Barclay, so I called Barclay again. This time they agreed to open an investigation for me. 

XX/XX/XXXX, I received a letter from Barclay asking me to call them for more information about my case. I was informed by the representative that the {$250.00} I redeemed are of the same value the {$1300.00} rewards points in the past and therefore she could not help me match the discrepancy. In other words, my {$1300.00} worth of rewards is depreciated into 20 % of its original value because Barclays and Uber decided this is how they want to do their business.

My complaints : 1. This is an atrocious breach of trust and contract, not only because this is not the term I agreed when I signed up for Uber Cash, but also a fraud of allowing card-holders to assume that they reward points are of the same value in U.S dollars only to be redeemed in a limited manner.

2. The email that was supposed to serve the purpose of informing card-holders change of contract terms was opaqued by the highlights of new benefits and encouragement of usage of Uber Card, which in its very nature is advertisement and a distraction of important notice.
Consumer complaint received 2024-02-21
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX is a collected that created when I was overseas at an address I never lived at. However, the account was paid and its still reporting on my credit report as a negative item. It is affecting me from getting a mortgage loan. Ive filed an identity theft and police report, but they refuse to remove it from my credit report.
Consumer complaint received 2022-12-24
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. (NY)

My name XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company - without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-24
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: EQUIFAX, INC. (NY)

My name XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company - without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-03-14
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account # 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 2022-03-14
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: Experian Information Solutions Inc. (NC)

On XX/XX/2022 I sent out an ftc report indicating that i was a victim of identity theft. However credit report agencies did a terrible job in the investigation, they did not throughly investigate if these erroneous account were actually mine, and left them on my credit report which is severely hurting my credit right now, I need these credit Bureau to do a through reinvestigation and remove these erroneous accounts from my credit report.
Consumer complaint received 2022-12-24
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. (VA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. Collections West, Inc. (AZ)

I have sent the debt collector us collections west proof that the debt that are trying to collect is not mine and was opened fraudulently in my name due to identity theft. I have sent them the police report by XXXX police department, identity theft report filed with the federal trade commission and they are asking for a detailed report from the police which does not exist. I have talked to the supervisor in charge of the financial crimes department at XXXX police and was told there is no follow up and case was not assigned to a detective. They need to stop collecting this debt as it is not mine. My credit is also frozen with all 3 major credit bureaus due to the identity theft that occurred
Consumer complaint received 2022-03-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: NAVY FEDERAL CREDIT UNION (PA)

On the XXXX  day, in the XXXX  month of the two thousand sixteenth year, the consumer authorized the of use credit on their behalf and purchased a promissory note valued at {$21000.00} with the endorsement of said note. A credit account was opened in the consumer 's name, however, the security was never endorsed to the buyer. The seller within this transaction, NAVY FEDERAL CREDIT UNION and its authorized agents, have yet to provide the instrument with both endorsements -- to which the consumer has rights. The consumer is not able to collect payments on this debt owed by the seller as the seller still holds the instrument needed by the consumer to enforce the obligation owned by the seller.
Consumer complaint received 2022-12-24
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (AZ)

We were gifted a XXXX gift card in the amount of {$500.00}. It was purchased from our neighborhood grocery store, XXXX, in XXXX, AZ. We found that a fraudulent charge had been made before we could use it on XX/XX/XXXX in the exact amount of {$500.00}. The card never left our possession and did not appear to be tampered with. We called the number on the back of the card that evening. We were given a list of documents to fax including the front and back of card, the original purchase receipt ( luckily the gifter still had this ), and my drivers license. I have called numerous times and been asked to resend these documents repeatedly. I have faxed and mailed hard copies a total of 4 times with no progress. It is very hard to communicate with the customer service reps and they will not transfer me to any other departments. They only repeat the same list of documents again and tell me to resend. I am losing hope that we will see this money.
Consumer complaint received 2022-12-12
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: EQUIFAX, INC. (KY)

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct or discard the following items right away : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-12-24
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: EQUIFAX, INC. (CA)

In accordance to Fair Credit Report Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violate my rights. 15 U.S.C 168 Section 602A states I have the right to privacy. 15 U.S.C 168 Section 604A Section 2 states consumers reporting agency can not function account without my written consent.
Consumer complaint received 2019-04-05
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. (NC)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 9 - 13 of the attached from the credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and  nothing is past due.
Consumer complaint received 2020-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/20 I requested to begin the process to remove the PMI on our mortgage with Wells Fargo. We paid Wells Fargo to commission a third party to complete a BPO. That BPO was sent to me on XX/XX/20. On XX/XX/20 I inquired with Wells Fargo about the next step. They let me know I would have an answer within 14 business days. On XX/XX/20 I sent an inquiry and called them since I hadn't heard anything. they assured me I would get a call back on XX/XX/20. On XX/XX/20 a rep called me and said they had no update but should within 10 days. Basically they are ignoring the request and I will probably have to pay an additional month of PMI.
Consumer complaint received 2020-03-04
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. (MS)

For the past two years, I have had a fraud alert placed on my credit report due to multiple credit inquiries and accounts opened up in my name. I have disputed this account multiple times and it always comes back that it meets FCRA requirements. 

I did not sign any documents agreeing to a XXXX XXXX XXXX Credit Card, which is the original creditor.
Consumer complaint received 2022-12-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Date : XX/XX/22, I sent out a letters XXXX, to XXXX, TransUnion, XXXX. Here is my tracking number ; during this investigation they said everything was 100 % accurate and Transunion said theyre not reinvestigating my items too. 

15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know more about who did they speak with? 
How did they complete this investigation? This doesnt correspond to the definition.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.

I would like to how does TransUnion hold the right to say, They will no longer further investigate. When 15 U.S. Code 1681i, says theres not limitation to reinvestigation if the report is determined inaccurate, as you can clearly see theres no proper investigation being conducted