davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

On XXXX we purchased a new 2017 Nissan XXXX XXXX and financed it with Nissan Motor Acceptance Corporation. 

When we were deciding on a vehicle, the salesperson informed us that the vehicle came with the Nissan Navigation System. The system is used in the vehicle for mapping as well as many online options through your smart phone. 

We tried to connect the system to use with our vehicle ( after purchase ), which included downloading the " application '' on the smartphone. 

I went to the Nissan website and referred to the instructions. The website also stated that this option is available with our vehicle. I tried to follow the steps to utilize the system. In the process, I spoke with a representative of Nissan, and she confirmed that the system is applicable to our vehicle. I tried and tried, finally getting to the point of inputting the vehicle VIN. It was at this time that the website indicated that the package was NOT applicable to our vehicle.

I feel the salesperson was misleading to us as well as the Nissa
n website, and again, with the rep from Nissan.

I feel this is false advertising as the system was one of the reasons we decided on this particular vehicle.
Consumer complaint received 2019-05-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (CA)

On XX/XX/2019 I initiated an ACH transfer to Coinbase since my only given was the ACH. 
I purchased XXXX dollars so I can exchange it to digital currency. 
After the purchase according to the agreement the funds to be ready within 3-5 days and after were cleared and in the history section it will show complete in green. 
I then waited and then when I checked my account the statement stated the transaction was complete. When I went to send the money out much to my surprise my account was a XXXX balance available to move. And I had a waiting period of 17 days before I can move or send money. 
This was not disclosed otherwise I would never have done it. 
I opened my account I went through various steps of identification. They validated my bank and debit card digitly and then I had to wait due to making sure than they were protecting me from fraud. I have a question if money was ached and then cleared there is no reason to protect my currency. Everything went fine. After much research i found out this happens to many many clients. Some never get their monies back. This is a scam and as a US based company it is a shame and a crime to nor have full transparency and disclosure policies.. The coustumer service is not helpful. Email goes to a deaf ear. It always is the same response to go and see question and answer pages. The company does not specify the holding time. Till your purchase is complete then it shows that your funds will be on hold for certain days. 
They claim during the purchase it show the waiting but that is a lie and a misleading statement they try to confuse you and they do a great job. After all they have been practicing this unethical act for years. 
I want accountability. They need be forth coming with their policies. They may not publish a partial part of their polices and expect us to read between the line. I have XXXX dollars as of now and it will fluctuate on the next few days. 
Their terms should be visible requiring a digital signature and then maybe the consumer will choose not to sign up. They state that the personal information is not shared. Another lie. They track your spending which is a violation This is a platform only that states the owner of the account has complete power over their wallet. 
Then why is my urgency held hostage? I like to see companies to take accountability and the greed not to take over. 
My research of various sites such as FTc has indicated that this is done to gain interest while holding the currency. So if you are going to take money from me at least admit it and take accountability and donr act life a coward all my 12 plus emails have gone to deaf ears. They do not give you a choice but the ACH which they know they can hold the funds this is unethical/ criminal and needs to stop
Consumer complaint received 2021-09-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BMW Financial Services NA, LLC (NJ)

Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported XXXX credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts was not opened by me, and that I did not profit from this account having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.

I have reached out directly to the Lender explaining I was incarcerated at the time when this loan was being processed. I have also submitted documentation to the Lender directly upon their request to submit proof of documentation for my time incarceration.

This account BMW FINANCIAL SERVICES : Account number XXXX which is reporting on my XXXX credit report only ; XXXX and XXXX credit services do not have this account reporting on my credit profile.

I have reached out to the Lender directly numerous times and requested the original contract and I have not received a response. 
Lender contact information : XXXX XXXX XXXX XXXX, OH XXXX and telephone number ( XXXX ) XXXX
Consumer complaint received 2017-10-03
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. (AZ)

After numerous disputes between XXXX and XXXX of an alleged missed auto loan payments dating from XXXX with XXXX XXXX XXXX XXXX ( WFDS ), and recorded with Equifax, XXXX, and XXXX XXXX CRA 's XXXX, I sent a series of letters to XXXX from XXXX to XXXX demanding under XXXX XXXX XXXX and FDCPA XXXX ( XXXX ) ( XXXX ) ( XXXX ) that it provide verifiable evidence bearing my signature that this auto loan missed payment record belonged to me. XXXX and the CRA 's continued to claim this record was " verified, '' and never provided me the proof of such verification as I required and supported under the FDCPA laws stated herein. Thus, I filed a small claims lawsuit against XXXX in XXXX to force it to delete the record from each credit bureau as well as pay me the maximum allowed under the laws of Arizona -- {$3500.00}. XXXX subsequently lost this case on XXXX/XXXX/XXXX due to insufficient evidence to support its case, and thus showed an inability to provide verifiable evidence to the court of this record. Final court documents stating the amount owed to me, the Plaintiff, and a legal request to delete the record were provided to the President 's Office for XXXX in XXXX, NC, its Credit Bureau XXXX XXXX XXXX, as well as each CRA on XXXX/XXXX/XXXX. XXXX has subsequently deleted the record. However, Equifax and XXXX have not. I received a response from the XXXX Credit Bureau XXXX XXXX XXXX dated XXXX/XXXX/XXXX that stated, " The record was verified. '' Both Equifax and XXXX claim the same statement in spite of receiving court documents requiring the record be deleted. XXXX has a legal court-ordered obligation to delete the record with each CRA as well as pay the lawsuit fines as ordered by the XXXX XXXX XXXX XXXX -- period!
Consumer complaint received 2015-09-02
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (OH)

We have a Best Buy credit card. We recently noticed we are being charged a fee each month labeled as " DEBT PROT XXXX. '' This is not something we signed up for or agreed to. We believe this is a predatory lending practice. The fee totals about 1.01 % of our balance each month. We have been charged a total of {$150.00} since XXXX 2015 which is the oldest statement we have access to.
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CB1, Inc. (MT)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2017-10-03
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: McCarthy, Burgess & Wolff, Inc. (IL)

I received notice from my former employer XXXX XXXX XXXX that they had overpaid me and were sending me to collections. I did not understand how they determined there was an overpayment nor how they calculated it. I requested additional information but instead my file was escalated to a debt collection law firm. I received a demand letter from McCarthy, Burgess & Wolff on XX/XX/XXXX. The letter included an email address I could use to respond. I immediately emailed the address requesting validation of the debt and requesting that they cease and desist all future communication by phone. Over a month went by and I did not receive any response so I sent a follow up email on XX/XX/XXXX. On XX/XX/XXXX I received a response which included an XXXX sheet with my pay rate. This left me with more questions than answers as I compared it to my paychecks. At XXXX on XX/XX/XXXX I received a missed call and voicemail from XXXX XXXX at McCarthy , Burgess & Wolff . When I got home I had another missed call and voicemail on my home phone. I had requested in both emails not to be contacted by phone which is my right under the FDCPA.
Consumer complaint received 2019-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (VA)

I opened an American Express Gold  Card at XX/XX/2019 with the welcome offers, including XXXX points after spending {$2000.00} in three months and 20 % dining cash back up to {$100.00}. When I opened the card, I did not receive any pop-up message from the AMEX saying that I was not eligible to this welcome offer. 

However, after completing the spending requirement, i did not receive the promised welcome bonus. I contacted with AMEX customer service and got the response that " I am not eligible for the AMEX Gold welcome offer, because i got a XXXX Card in XXXX and received the bonus on that XXXX Card. '' I didn't see the connection between the old card and the new card. I had accomplished all requirements for the XXXX card and did not close it. 

I should got the promised bonus for the AMEX gold  card.
Consumer complaint received 2016-10-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: CITIBANK, N.A. (NY)

I settled XXXX CitiBank accounts with XXXX XXXX XXXX back in XXXX 2007. I attached proof of the settlement. But every time I dispute the balance on my credit report, it comes back verified. Therefore, I need this account to be deleted from my credit report for reporting inaccurate information that was clearly not verified or an investigation done. I am including a screen shot of what my credit report looks like on XXXX through XXXX.
Consumer complaint received 2022-03-31
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. (PA)

Experian needs to fix the issues about the inaccurate information for the Repossession reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the account since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here is the account that I am disputing : .Repossession : XXXX XXXXXXXX XXXX XXXX Balance : {$7900.00}
Consumer complaint received 2021-07-05
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$0.00}, {$2000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account.
Consumer complaint received 2022-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am requesting an Investigation into the practice of Credit Unions originating loans and not disclosing to consumers they had the right on to report said loans to credit bureaus during the life of said loan. 
I took out an ( 5 ) five years auto and personal loan with XXXX XXXX XXXX XXXX in XXXX, both of these loans were being reported to all three major credit bureaus impacting my credit scores and ability to obtain financing. 
On or around XX/XX/XXXX, I pulled copies of the credit reports and noticed XXXX XXXX not only stop reporting said loans but also deleted the history of loan with XXXX and TransUnion credit bureaus effective lowering my debit to credit ratio and lowering my credit score. 
When confronted with this issue XXXX issued the following statement You state that the credit union stopped reporting on your loans to all three major credit bureaus as a retaliatory measure. Our response : The Credit Union made a business decision to stop reporting credit history to XXXX and TransUnion effective XX/XX/XXXX for all of our members due to a variety of reasons. XXXX XXXX now only reports loan status and history information to XXXX, which has been our primary credit bureau. Hence, this was not isolated to you but rather was a change across our entire membership. Furthermore, creditors are not required to report to any of the credit bureaus. Lenders may choose to report loan data to one, two, or all three major. 

XXXX never disclosed prior to acceptance of loan nor after the decision was made to stop reporting credit history to XXXX and TransUnion in XX/XX/XXXX, I did not find out this lender had the ability pick and chose to report said loan and if this was made clear and reveal prior to taking out the loans I would have never done business with a company that intentionally would set-out to destroy credit scores over the life of the loan. 
We have several problem credit unions are not being regulated, the so called independent federal agency which has oversight over credit union are not providing protection or properly investigation consumer complaints against credit union.
Consumer complaint received 2021-07-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (IL)

Recently I sent a correspondence to Navient Solutions LLC regarding an alleged debt. I requested validation of the alleged debt in accordance with 15 USC 1692g, ledger/journals of Navient financials and the rescission forms regarding this credit transaction. Navient failed to validate this alleged debt. I was sent statement documentation and an incomplete application with personal information ( that I did not consent to Navient having or reproducing ) none of which bared my signature. Navient did not respond to my inquiries regarding the alleged debt. I informed Navient in that correspondence that I was in fact disputing their claim and to cease all collections until they were able to validate the referenced claim. Navient continually harassed me via mailings regarding the alleged debt, did not report that this alleged debt was being disputed and reported to credit reporting agencies that this payment was 90 days late. Navient also ( without consent ) shared my information with XXXX, who also requested that I provide payment to them for the same alleged debt with a different account number. My privacy has been infringed upon. Navient failed to provide proper documentation to validate their claim. Navient 's engagement in these abusive practices has injured my mental state, my credit, and my reputation.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had already submitted a complaint XXXX A few dats ago and they said they they had solved the problem so I believed them. They did not fix anything, in fact theyve suspended my.
Consumer complaint received 2022-10-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2017-10-03
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: CNG HOLDINGS INC (NJ)

XXXX XXXX XXXX is harassing me for a debt I dont owe. The credit bureau know my address and the address that XXXX XXXX XXXX and XXXX has is not mines. These people and the credit bureau are preforming illegal acts against me. I want all this information removed from my credit report immediately.  They say I owe XXXX. Ive been ill for the past 3 years. I just been active for 8 months now. Theres no way I could have this account. I pay my bills. These people are fraud. I wrote the company to stop harrasing me. They are refusing and keep reporting false information on my credit report.
Consumer complaint received 2023-02-07
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA (CA)

opened a savings account yesterday afternoon successfully, but couldn't log in today... website saying " temporary locked ''. Called their CS and verified all my personal infomation, been hold for more than 40 mins and then they told me my account has been permenantly closed, no reason explained! What an excellent bank! Well done!
Consumer complaint received 2017-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I called to ask for pay for delete letter for the $XXXX debt that I had with Portfolio Recovery before I paid it. They said that they couldn't send one before but when they got the payment in full, that they would delete the account from all credit reporting agencies within 30 to 45 days. When I called about a month after it as paid the rep told me they couldn't delete and that they would send me a paid in full letter. They claim the calls are monitored and recorded, so I would like for them to go over my conversation with the rep who told me the account would be deleted from all credit reporting agencies and delete this account. Thank you
Consumer complaint received 2022-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NC)

mortgage company has not paid my county taxes from my escrow account ... .they are 6 months late and today is the last day before my property will be advertised for sale for a tax lein.taxes were due 6 months ago XX/XX/XXXX... XXXX faxed them an extra copy of my tax bill.on XX/XX/XXXX i got a notice from XXXX XXXX XXXX XXXX office that my taxes were not paid and would be advertised for a tax lein sale if not paid by XXXX called my mortgage company ... PHH..on XX/XX/XXXX about the matter and was told they would take care of it.Since XX/XX/XXXX I have called them 26 times about this matter only to be put on hold or " wait 3 more days '', or was transferred to other places ... XXXX, Alaska, and the Phillippines XXXX ..with no resolution ... .i am now within 20 minutes of the deadline at the tax office and no resolution, no answer from PHH ... ... .I am not late on my mortgage payments, how are they allowed to be so late on payment from my escrow account ... ..i am begining to think these people are scammers... they should be barred from doing business in this country ... ... .i am beyond mad!!!!
Consumer complaint received 2020-03-23
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. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Consumer complaint received 2017-10-03
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: CITIBANK, N.A. (IL)

XXXX 's client XXXX XXXX is an identity theft victim, her information was used to open an account with XXXX XXXX without her consent. A dispute of this account was mailed to XXXX XXXX XXXX/XXXX/XXXX however as of this date nothing was received from XXXX to confirm the account was closed as being fraud related. This is a violation of the FCRA.