davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION (GA)

I received a insurance check for storm damage to my roof of my home in the amount of XXXX I deposited it in my bank account savings at an ATM machine at BBT who I bank with for over 20 years. I have a mortgage account with XXXX XXXX who name was also on the check the check also has my name spelled incorrectly on it ( spelled XXXX and the correct spelling of my name is XXXX which I have told the insurance to correct multiple times I have also put it in writing for XXXX which is the insurance company to correct the spelling of my name ) This is my first ever claim and now know that XXXX XXXX should endorse the check, I ask BBT they could provide me a certified copy of the check and they said at the time they had to wait for a manager and then they came back to me and said they no longer have it, BBT then ask me to get with XXXX which is the insurance company to cut me another check and after about two months XXXX responded back saying they could not due to the check has been cashed by the bank in which it has, now i am at a stand still with damages to the roof of my home and a check that BBT will not release due to improperly endorsement but will not provide a check for me to get endorsed, I have spoke with a corporate from BBT and they are telling me to go back to XXXX the insurance company and the insurance company is telling me to go back to BBT due to the check show it has been cashed, BBT has even asked me to take paper work to XXXX XXXX and get them to sign a affidavit and XXXX XXXX is not willing to do so, all they ask for is the check or the certified copy of the check so that they can stamp. I keep hitting a brick wall and cant get any answer as to what I need to do to get my project started for my home
Consumer complaint received 2018-07-02
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. (FL)

XX/XX/XXXX - Submitted a Police Report and Identity Theft report to all three credit reporting agencies about identity theft including the XXXX XXXX XXXXXXXX Account # - XXXX. 

XX/XX/XXXX - XXXX XXXX XXXXXXXX Account # - XXXX was deleted from my XXXX  credit file. However, that account was not removed from my Experian credit file. Filed several disputes with Experian but they did not remove the fraudulent XXXX XXXX XXXX account which resulted from identity theft crime. 

XX/XX/XXXX - Contacted XXXX XXXX XXXX to try to resolve this matter with them. Spoke with bank representative XXXX XXXX who opened case # XXXX and advised me that a bank representative from the fraud department would contact me but nobody ever contact me. Instead they send me a letter in the mail claiming I am responsible for that debt. 

XX/XX/XXXX - Received a dispute results from Experian saying that the item will remain on my file since it was deemed to be accurate. 

I can not understand the disparate treatment I am receiving from Experian credit report agency since the information was corrected at Equifax but it is still wrong with Experian. I believe that both XXXX   XXXX XXXX and the credit reporting agency are infringing my rights under the FCRA Section 611 and I need your help. 

Thank you very much. 

Best regards, XXXX XXXX XXXX
Consumer complaint received 2021-03-02
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. (IL)

Experian refuses to delete a collection account off my account that they added through XXXX  data. On my XXXX  account the collection isnt on my account. The name of the collection company is XXXX XXXX XXXX. They garnished the data from XXXX  and now they refuse to move it off the account, if know XXXX no longer shows the collection.
Consumer complaint received 2017-06-05
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: Navient Solutions, LLC. (TX)

In   XX/XX/XXXX I  cosigned on a private student loan from  XXXX   XXXX   ( n ow  XXXX   XXXX  ) through  XXXX   XXXX   ( no w Navient ). It came to my attention when I pulled my credit report in  XX/XX/XXXX  that  XXXX  additional student loans through Navient were on my account for  XXXX   XXXX  that I had not cosgined for. I filled a claim with Navient 's fraud department around   XX/XX/XXXX , a nd also filed a police report with the  XXXX   XXXX  police department in Texas.  <P/> After a brief investigation, Navient 's fraud department let me know that they could not verify my claim as fraud, due to the fact that there had been an online acknowledgement through my email of  XXXX  of the loans. However, I let the Navient fraud department know that I lived with  XXXX   XXXX  during the time of the fraudulent activity, and she had access to using my computer and email. Navient 's fraud department did not take further action to try and resolve my fraud claim.  <P/> Navient Account  XXXX  Loans  XXXX  and  XXXX  were not signed for by me. As a result of the fraud and the adverse impact on my credit report, I would like all cosigned student loans from  XXXX   XXXX  removed from my credit report and for me to be released as a cosigner for  XXXX   XXXX  for all Loans with Navient.  <P/> Please see attached documentation including Police Report and Navient fraud claim submitted.
Consumer complaint received 2017-03-17
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc. (AZ)

This is a complaint from XXXX XXXX against IC Systems for IC Systems 's failure to provide requested information for the debt alleged. As of XX/XX/2017, IC Systems has been reporting an open credit account for the XXXX. On XX/XX/2017, consumer ( through XXXX ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been 30 days since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Consumer complaint received 2020-08-22
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. (MS)

It clearly demonstrates that information appearing on my credit report is inaccurate and is damaging my character, credibility, or ability to obtain credit. I've learned that I can seek Injunctive Relief through the courts.This is a false and misleading tactic used by the creditor and is it illegal.Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed.Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : Equifax, XXXX, and XXXX XXXX.As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life.
Consumer complaint received 2018-07-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

My loans had been originally XXXX XXXX beginning in XX/XX/XXXX. They were purchased by Sallie Mae and then Navient. I learned about the Pulic Service Loan Forgiveness program and immediately called Sallie Mae to make sure my loans were in the right place. They assured me on many occasions that I would qualify for loan forgiveness as a public school teacher. I also asked about income driven payment plan which is a qualification for the public service student loan forgiveness. I was told if I did that payment I would not have anything left to forgive which was ridiculous as I still have {$40000.00} left now to pay. I payed 10 years ( longer actually ) of ontime payments and checked in multiple times with Sallie Mae about the program and every time they assured me I would qualify for forgiveness in XXXX. I filled out the paperwork for forgiveness and was denied because my loans were not with XXXX XXXX. Sallie Mae lied to me repeatedly. My loan should have been forgiven and paid off. Instead I still have XXXX XXXX to pay.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2018-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: COMMERCE BANK (WI)

I had a credit card account with Commerce Bank in excellent standing for a few years and closed it in XX/XX/2018 with a XXXX balance. I received a letter dated XX/XX/2018 stating this and was concerned about the sentenceIf further transactions are presented, you will receive a statement showing the amount due. The card expired at the end of XX/XX/2018 and no charges were made from then until receiving that letter stating official closure of the account. I have confirmed this. I contacted multiple representatives of Commerce Bank, in particular, XXXX XXXX ( XXXX ) and XXXX XXXX ( a consumer advocate at Commerce Bank XXXX, who both told me that the account could be charged in the future if a person or company sends a charge to it. Even months or years later, according to both of them. According to XXXX XXXX, Commerce Bank has an agreement with XXXX that allows this to occur. I read my Cardholder agreement in its entirety, and there is no stipulation that my credit card account is indefinite after it is closed. This is highly irregular and unsettling -- an account that is perpetually open. I can't even access the account anymore because I closed it, yet it may be charged in the future. This is highly irregular. Never encountered this before, and I have used credit cards for nearly 4 decades.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-02-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (PR)

I am writing as a debt validation process. 

In my report there appears an alleged debt that I have with XXXX XXXX XXXX XXXX. I do not recognize that debt and I need documentation to validate it. The documents I require are the following. 

Contract that you have with the original lender of that money. In which all information related to the debt must be shown, including the amount paid for the debt. 
Contract that I have with you indicating that I have that debt with you. 
The supposed information that you have is mine, with all the signatures. 
Account statements with my full name. 


They are showing late payments on collection, but they do not give me information, they do not validate the debt. 
The account number that appears on my credit report is XXXX XXXX XXXX XXXX Appears with a person named XXXX XXXX The information shown on my credit report must be accurate, something that XXXX XXXX XXXX is not doing.
Consumer complaint received 2017-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (CA)

I participated in the " Payment Safeguard Classic '' program provided by Citibank through Citi/Aadvantage XXXX XXXX MasterCard. One of the benefits in that program is called Auto/Home/Renter Deductible : " Either the Account Balance Credit or the amount of the deductible whichever is less, up to {$500.00}. The Account Balance Credit is equal to the new balance shown on your statement for the billing period in which the loss occurred. '' On XX/XX/XXXX, I got a car accident and my car insurance paid for the repair but subtracted the deductible of {$500.00}. For that billing period ( XX/XX/XXXX-XX/XX/XXXX ), my statement balance is {$500.00}, so I submitted a claim of {$500.00} ( on XX/XX/XXXX ) as per the  Auto/Home/Renter Deductible benefits. However XXXX XXXX ( the insurance/service provider of Payment Safeguard program ) refused to pay the coverage. They told me the " loss date '' was defined as when the deductible was paid and according to my car insurance company record, they sent me a check to cover repair payment on XX/XX/XXXX which was in the next billing period with no balance. XXXX 's definition of " loss date '' does not make sense to me as I suffered the loss on the day when the accident occurred ( XX/XX/XXXX ) and I have no control over when the car insurance company cut a check to cover my repair, so I asked XXXX where I could find the definition. XXXX told me it should be somewhere in the program T & C. I went back to check the T & C and found no such definition. When I called back to ask for clarifications, I was then told it 's a well known definition, so they do n't have to put it in the T & C. I think they just refused to honor the coverage benefits regardless of the program T & C. I have attached XX/XX/XXXX 's latest version of T & C to show the fact that there is no definition of " loss date ''. I do n't know XXXX 's real intention of not providing clear definition of such an important term. However I believe a generally accepted definition of " loss date '' should be the date when the accident occurs.
Consumer complaint received 2017-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (UT)

Repeated denials for Discover bank cash checking account. The reason are stating   XXXX   XXXX   has something blocking an approval for their checking account.   XXXX   XXXX   customer service has stated their is no derogatory information and that I have a clear report. DISCOVER BANK stated to apply again and denied again for the same reason   XXXX   XXXX  . My risk from  XXXX  to  XXXX  is  XXXX , nearly a perfect score?! So something does n't make since in this.
Consumer complaint received 2018-07-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/XXXX - Submitted a Police Report and Identity Theft report to all three credit reporting agencies about identity theft including the BANK OF AMERICA Account # - XXXX. 

XX/XX/XXXX - BANK OF AMERICA Account # - XXXX was deleted from my XXXX credit file. However, that account was not removed from my XXXX   credit file. Filed several disputes with XXXX but they did not remove the fraudulent BANK OF AMERICA account which resulted from identity theft crime. 

XX/XX/XXXX - Contacted BANK OF AMERICA to try to resolve this matter with them. Spoke with bank representative XXXX XXXX who opened case # XXXX and advised me that a bank representative from the fraud department would contact me but nobody ever contact me. Instead they send me a letter in the mail claiming I am responsible for that debt. 

XX/XX/XXXX - Received a dispute results from XXXX saying that the item will remain on my file since it was deemed to be accurate. 

I can not understand the disparate treatment I am receiving from XXXX credit report agency since the information was corrected at XXXX but it is still wrong with XXXX. I believe that both BANK OF AMERICA and the credit reporting agency are infringing my rights under the FCRA Section 611 and I need your help. 

Thank you very much. 

Best regards, XXXX XXXX XXXX
Consumer complaint received 2020-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (VA)

I have been ordering from qvc since last year and paid everything off on time. No problems. 

Out of no where they closed my account and said I owed them for a purchase made by someone in 2011. I did not make this purchase. This debt is XXXX years old and for them to try to collect this first without notification of collecting a debt and collecting a debt older than 7 year they are violating my rights to the fair debt collection act as well as fair credit reporting if they try to damage my credit over this. 
I still have purchases just made I owe on recently and I have no acces to my account to Even pay for these now. 
All because they wanted to collect fraudulently a debt from 10 years ago from someone. This is ridiculous.
Consumer complaint received 2016-06-03
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MN)

On XXXX XXXX a request was made for funds to transferred to a recipient via PayPal. That was accepted and the two minutes later canceled by the recipient. The funds were still drawn from the XXXX XXXX account on XXXX XXXX. I the sender contacted PayPal on XXXX XXXX to also cancel the transaction. A service representative informed me that since the recipient was the XXXX to cancel the transaction, the funds would still be drawn and would reject automatically from her PayPal account and would be refunded back into my PayPal account in XXXX to XXXX business days. After the XXXX business day I called PayPal because the funds were not in my account, and I was told that PayPal never received the funds from XXXX XXXX. I then called XXXX XXXX and opened a claims case to determine what happened. XXXX XXXX said they would investigate and I would be contacted in XXXX5 business days. I was never contacted and when I called XXXX XXXX and was told that my case was closed and they would not be refunding my money. I was given the trace number and was told to go back to PayPal with it. I did so, I faxed PayPal a copy of my bank statement showing {$1000.00} was drawn, and provided the trace number showing completion of transaction. I was then emailed by PayPal that they did not have the funds and I would have to contact XXXX XXXX to have them trace the funds. I have gone back and forth without a resolution since then. I have XXXX XXXX information but PayPal would not give me proof that the funds were not received.
Consumer complaint received 2017-08-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (TX)

On XXXX XXXX 2017 I purchased a new vehicle through XXXX XXXX XXXX dealership in XXXX Tx. The company that financed my vehicle Santander Consumer USA never requested proof of income residence or job so with that said they approved me for a loan of XXXX that was fraudulently done by Santander and the dealership XXXX XXXX. On the actual contract there is a down payment of XXXX that i never gave down, on top of that i was never given the half off the vehicle due to severe hail damage sale they had going on. I have called the dealership numerous of times with nothing resolved. I also called Santander on X/XX/17 to advise them of the same thing. I got a call back from XXXX from the office of the president on X/XX/17 we went over what happened at the dealership and with Santander she clearly stated that the dealership was at fault and they santander do not require to verify job, residence and income they just go by the credit score. I can not understand how this finance company stays in business by going after hard working people such as i. I work two jobs now im stuck with a car that is worth maybe XXXX and what i owe is XXXX. Your assistance will be greatly appreciated
Consumer complaint received 2022-09-13
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. (MD)

n accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 2021-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (GA)

navy federal froze my account and would not give me any detail. I have requested information and informed them that i am a victim of identity fraud and they have since denied my claim. they froze my account because someone tried to call in and get access to my access twice. the first time they were successful and the second time the were unsuccessful. I have since filed police reports, filed a claim with the FTC and IRS and Navy Federal has been rude and unhelpful with this CONSTANT security issue.