davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/XXXX I accidentally rolled a XXXX XXXX XXXX over a XXXX foot embankment of the XXXX XXXX XXXX XXXX  while parking an XXXX XXXX car in a XXXX XXXX XXXX XXXX XXXX XXXX parking lot with no guard rail. The location is a popular tourist destination at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  near XXXX XXXX  XXXX in Washington, XXXX 

At the time of the accident the vehicle was traveling no more than 5 miles an hour where the lot abuts the canal. Because there is no guard rail or other barrier on this section of the lot, a car that moves beyond the end of a parking space will roll to the bottom of the canal if it is empty or fall into the water if it is full. Either outcome is likely to cause extensive damage to the vehicle and major bodily trauma and/or drowning to the occupants. Fortunately for me the canal was empty at the time, I was wearing a seat belt, and my air bag deployed. 

The XXXX claim report on the damaged vehicle is not currently available, because an inspection is needed on damage to the roof of the car, which flipped over, to determine whether it can be repaired. I estimate the cost of repairs be at least {$10000.00} and the cost of replacement to be at least {$20000.00}. 

BankAmerica ( BA ) /Mastercard ( MC ) refuses to pay an an XXXX damage claim for the vehicle and has locked me out of its online claim reporting system, because it reports that it terminated my collision damage waiver ( CDW ) coverage benefit on XX/XX/XXXX. 

BankAmerica representatives I spoke with on the phone on or about XX/XX/XXXX insisted that BA notified all beneficiaries of its intention to terminate the XXXX XXXX benefit in a mass mailing in XXXX, XXXX. I do not recall receiving that mailing. Even if I did, I have opted out of printed notifications and expect to receive information about my MC account via email. 

Also I have documented proof that on XX/XX/XXXX XXXX paid another damage claim to XXXX for an incident that occurred on XX/XX/XXXX. This payout provided me with the expectation in XXXX, XXXX that it would honor future XXXX claims as well. 

To date I have been unable to challenge BankAmerica 's decision to terminate my XXXX coverage in court, because it has not provided me with proof of the termination of the benefit, the date the benefit was terminated, and the method of notification. Also BA has not provided me with an explanation for why a benefit that terminated in XXXX was still in force on XX/XX/XXXX.
Consumer complaint received 2023-01-28
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. (CO)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

On or about XXXX XXXX 2015, I noticed while checking a copy of my credit report, a charge for a line of credit that I did not request. The company was " XXXX XXXX '' financed by " XXXX XXXX XXXX XXXX '' and the amount was {$1300.00}. I immediately contacted XXXX XXXX and all three credit reporting bureaus and informed them in writing via certified mail of this error. It is important to mention that up until this time, they did not have my mailing address and therefore had not been able to contact me. I also should mention that I have never been in a " XXXX XXXX '' store. I clearly informed them that this was a fraudulent activity or a mistake and I requested documented proof which is my right and which they are obligated to provide at my written request according to the Federal law which is governed by the " Fair Credit Collections Act '' and the " Fair Credit Reporting Act '' as enforced by the Federal Trade Commission. They failed to provide any documents and continued to harass me for this debt eventually selling the debt to " XXXX XXXX XXXX '' a collections agency. Similar written requests were made with this collection agency with similar results. They have violated my rights as well by failing to show proof of the validity of this debt. 
They continue to harass me for this debt and are negatively effecting my credit report and FICO score, again violating my legal rights. 
It should be clear to them of the following facts that they continue to ignore. First, the name on the original XXXX XXXX charge is " XXXX ''. My name is " XXXX ''. Second, I reside at XXXX XXXX XXXX XXXX NOT XXXX XXXX. And lastly, they have refused to send me a document that I signed with my social security number and signature. Why? because no such document exists.
Consumer complaint received 2017-10-17
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: Collection Consultants of California (CA)

XXXX XXXX XXXX XXXX has put many debts ( XXXX on XXXX alone ) on all my credit reports. In XXXX, I sent a request for a verification of debt and XXXX XXXX XXXX XXXX did not respond and continues to report multiple errors to all credit reporting agencies. Per FCRA, since they did not verify they debt, they should not be reporting errors to the credit reporting agencies.
Consumer complaint received 2021-09-06
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. (PA)

I sent you a letter regarding inaccurate things on my credit report but I until this day over 30 days already, I still got no response. I was told that consumer law obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by Equifax data breach and may got into hands of the wrong person and its your obligation to fix all these errors that should not have been there in the first place.
Consumer complaint received 2017-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

We made many transactions during month of XXXX, so there were a lot of returns and purchases, so once we received the bill, we called the Citibank card to speak with the agent and asked what is the amount to pay for the full amount the balance till the due date XXXX/XXXX/XXXX, the agent said {$2700.00}, so we paid exactly the amount, when the month of the XXXX bill came, we found out there were {$23.00} interest charge, We called Citibank right away, spoke to the agent, interest amount {$23.00} was waived, then we asked the amount to pay the full bill again, was told {$2200.00}, again We paid the amount of {$2200.00} so we thought there are no any balance till XXXX bill comes, then again XXXX bill came there were only {$570.00} purchase we made the amount of the bill is {$1400.00} include {$40.00} interest charge, XXXX Citibank right away till now still cant get the problem solved, the agent claimed {$1400.00} is correct but could not explain where the extra amount came from, and refuse to play back recordings of calls we had with previous agents. 
Also there is a {$200.00} dispute charge we had, with not any notice to us. Citibank sent us a letter stated the charge amount is valid transaction because " seller said the item has not been returned '', but in fact vendor provided unshippible return address as " XXXX '', we had been trying for 2 month to work with XXXX and XXXX to return the item without success.
Consumer complaint received 2016-10-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have no knowledge of this debt. It is not mine. I do not owe this debt. I am a victim of identity theft and have already provided them with sufficient information. The individual responsible for the identity theft has already been arrested and found guilty in a California court. 
They are in possession of the documents but continue to report this as a debt to credit reporting agencies.
Consumer complaint received 2019-10-25
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was looking at my credit reports and noticed inaccuracies that Bank of America was reporting to the credit bureaus. 

Bank of America is reporting to XXXX  and XXXX  that I was 30 days late in XX/XX/XXXX and XX/XX/XXXX Bank of America sent me a letter on XX/XX/XXXX stating that the account is reporting accurately. I find that hard to believe since the info Bank of America reports to XXXX  is not the same as they report to XXXX and XXXX. With that being said I do believe that is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2017-10-18
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. (FL)

All XXXX credit reporting are showing an involuntary repossession of a XXXX XXXX on my credit reports. What they do n't show is why. I had serious back issues and could no longer drive or work to make the payments on the car.I lost the ability to walk. Had to go to a wheel chair for almost XXXX years and through pain management for XXXX XXXX before i lost XXXX disks in my lower back. They just disintegrated. I now have nuts and bolts and rods and screws holding me together. This can all be verified. I had to have major XXXX in XXXX XXXX of which I am still recuperating. I would like to have this information added to my credit reports so future creditors would know the whole story
Consumer complaint received 2017-10-18
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. (FL)

All 3 credit reporting are showing an involuntary repossession of a XXXX XXXX on my credit reports. What they do n't show is why. I had serious XXXX XXXX and could no longer drive or work to make the payments on the car.I lost the XXXX XXXX XXXX. Had to go to a XXXX XXXX for almost two years and through XXXX XXXX for 14 months before i lost tXXXX XXXX XXXX XXXX XXXX XXXX. They just XXXX. I now have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This can all be verified. I had to have XXXX XXXX in XXXX 2015 of which I am still recuperating. I would like to have this information added to my credit reports so future creditors would know the whole story
Consumer complaint received 2024-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Remove the fraudulent accounts from my credit report now! Other bureaus fixed it, and the creditors agreed, but yours is causing damage to my credit. Investigate and fix it immediately, or I'll take legal action. Give me written confirmation once it's done no delays! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove.
Consumer complaint received 2017-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

This last year, XXXX XXXX, I took a trip to XXXX with my friends. On XXXX XXXX, XXXX we went to a small textile shop where they sold shirts, rugs, linens and such. I bought myself a couple of silk shirts for {$110.00} using a Wells Fargo Credit Card. The store ran the card and had me sign the receipt. When I returned home, I noticed on my statement that there was an additional transaction for {$2600.00} which I had not made. I contacted the fraud department at Wells Fargo bank and was eventually told that they denied my claim for fraud. They had reviewed the transactions and the receipts and claimed that I had made the transaction since my signature was on both receipts. I requested copies of the receipts and clearly I did not sign the receipt for {$2600.00}. The signature was not mine. I tried explaining this to the bank but they still denied my claim. I am amazed that the bank, which has my signature on file and on various documents, could n't come to the same conclusion regarding the nature of the fraudulent signature. I made various attempts to which the bank refused to help me. I have sent letters to the bank signed by the friends that were with me testifying that no such transaction was made by myself. I myself testify under perjury that I made no such transaction.
Consumer complaint received 2017-09-08
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. (NJ)

There has been an apparent data breach at Equifax and according to their own sources, www.equifaxsecurity2017.com, my information may have been stolen due to their lack of security.
Consumer complaint received 2021-05-21
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: LEXISNEXIS (FL)

I try dispute with all 3 Bureus a chapter XXXX also disputed with lexis nexis they all saying is verified by court they all get in this information from Lexus nexis that is a third party agency so basically they are lying so in other words I would like this resolution resolved right away thank you they all lied sayin is verify by court court doesnt report to know one please deleted this immediately as I have proof from court an also is against the fair act to lie in reporting a file
Consumer complaint received 2019-10-25
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)

I saw a notification from my credit monitoring service today XX/XX/19 saying that there was a Bankruptcy on my credit report ; I had no idea that these things were on my credit because they do not belong to me. I have never filed for Bankruptcy in my life. I have no idea who these accounts belong to ; I believe that this Bankruptcy was clerically filed in error and needs to be removed from my credit report. I have already filed a police report regarding this incorrect information on my credit.
Consumer complaint received 2017-06-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I saw a promotion for XXXX Thank You points for a brand new Citibank checking account. I went to the bank and confirmed if opening a new account would get me the points. They said, yes, a new account would get me the points. I was already an existing customer of Citibank so I wanted to be sure before signing up for another account. <P/>Anyway, within 3 months of account opening, I met the terms, kept the minimum balance and did the deposits and payments that were required to get the points. I followed up with Citibank asking when my points would post. I have confirmation email and messages from Citibank saying this would happen in 4-6 weeks. So I waited. <P/>I contacted them again in 4-6 weeks and was told that since I was an existing customer, I would not be getting the points. I mentioned to them that I was targeted for the offer and I also had written confirmation from them. They said the last agent was wrong and I would n't be getting the points. <P/>I kept trying for a few points and then gave up. And finally now, I am filing the complaint.
Consumer complaint received 2022-08-05
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 WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT # XXXX XXXX XXXX, ACCOUNT # XXXX XXXX XXXX, ACCOUNT # XXXX XXXX, ACCOUNT # XXXX XXXX, HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 8 STATES THAT I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 2 ALSO SRATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH MY ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2020-04-18
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. (PA)

The accounts listed here MUST BE removed because they do not belong to me. It is preventing me from obtaining gainful employment. This is supporting fraud. Accounts : XXXX XXXX XXXX XX/XX/XXXX {$710.00}, XXXX XXXX XXXX XX/XX/XXXX {$890.00}, XXXX XXXX XXXX XX/XX/XXXX {$240.00}, XXXX XXXX XXXX XX/XX/XXXX {$1500.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$2600.00}, XXXX XXXX XXXX XX/XX/XXXX {$690.00}, XXXX XXXX XXXX XX/XX/XXXX {$220.00}, XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$110.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$27.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$140.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$56.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$460.00}. Inquires : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX.
Consumer complaint received 2021-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX made a big error there are 15 lates in a Mortage for XXXX XXXX,,,, I already made a disputed directly to XXXX XXXX they never fix the problem I also did a Direct dispute to TU also didnt fix the problem they made a big mistake I am having Big Financial difficulties getting a loan to buy a Truck I need to work in my Company job position I end up making a complaint to you since is my last resource for getting Good results in my favor ... .They did report 15 lates in 2020 under the CARES ACT protection no leders or SERVICERS have to reports any lates under this protection .see attached proof of 15 lates and disputes made
Consumer complaint received 2021-03-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (WA)

Received a KingSize XXXX and XXXX store card by Comenity Bank. My forst order I placed showed up as the wrong size, so I initiated a return online and returned the merchandise for a refund. I didn't want to pay the {$170.00}, since I was receiving a full refund, so I waited until the return was credited to my account. The refund came after the statement date, and they only refunded {$150.00} No one can tell me where the other {$23.00} is and why it hasn't been refunded to me. I then placed another order in the amount of {$100.00}. 
My new statement came out XX/XX/2021. On XX/XX/2021, I received 5 calls from 3 different numbers ( XXXX, XXXX and XXXX ) that all came back to Comenity bank. The calls were " dead air '', just silent on the other end and they hung up about 10 seconds after I answered them. On Sunday, XXXX, I received 5 more, The first at exactly XXXX, the rest all before XXXX. All of these were dead air as well, and they were from XXXX, XXXX and XXXX all of these numbers are shown as coming back to Comenity bank. I called the XXXX number for customer service on the card, ( XXXX ), and was told there was no one that could help me until XXXX Monday thru Friday. This is pure and simple harassment
Consumer complaint received 2017-10-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

I have been trying to repay my student loan with Navient. However, they accused me off missing a payment, and had me start the whole process over. And when I was not working from XXXX - XXXX, they harassed me constantly, and would not offer or approve a hardship deferment. Navient does not care about students and uses loan shark tatics.
Consumer complaint received 2017-12-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/2017 Date sent to company : XX/XX/2017 Product : Debt collection Issue : Took or threatened to take negative or legal action The delay in resolving this matter is costing me money {$550.00} to date.