davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-18
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BOK FINANCIAL CORP ()

On XX/XX/XXXX the check we wrote that paid the fee to file to apply for a Partial Release of Acreage, cleared our bank. With no contact from BOKF. We called BOKF. A laughing girl told us in 24 hours someone would call us back. First call on XX/XX/XXXX second call on XX/XX/XXXX. We were told the lady should have said three business days. On XX/XX/XXXX the BOKF office XXXX XXXX called claiming she had been sick. On both XX/XX/XXXX and XX/XX/XXXX we asked for the laughing ladys boss to call us she did not. XXXX told us we would need a survey. We got her one back to her the following week. But until we called her no response. After the call she told us she was going to start the paperwork for an appraiser and there is no time requirements, but the most she had seen them take was six weeks. On the sixth week she told us she canceled the first appraiser on put in a request for another. The second came out on XX/XX/XXXX. She said the appraiser got the paperwork to her on XX/XX/XXXX or XX/XX/XXXX her story changed. Everything is okay for the release, but I can not get a copy of any if the paperwork because it might get list in the mail. I called to see if they have received anything at the county planning office they said tell her to email all the banks are email. She will not.
Consumer complaint received 2023-05-15
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. (IL)

I have not supplied proof under the doctrine of estoppel by silence Engelhardt v Gravens C me my 281 sw 715,719 I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Upon Ucc 3-311 Ucc 3-603 Ucc 3-104 Ucc 3-306 Ucc 3-308 Ucc 3-104 Ucc 3-419 HJR 192 without prejudice.
Consumer complaint received 2020-12-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (CT)

In XX/XX/XXXX I received a letter from a debt collector XXXX XXXX XXXX stating I owed {$300.00}. I immediately called them to find out why. It was a credit card from Old Navy. I stated I never got a bill and we both looked at the documentation and they were billing a incorrect address. I never once received even the first statement. They had the wrong town of XXXX XXXX CT listed. This address doesnt even exist so all these statements must have been sent back to Old Navy. I asked what the balance was of what I actually purchased and paid it on XX/XX/XXXX on line with the rep. I paid {$130.00}. I asked them to close out the issue as closed but they want all of the rest of the fee amount of {$200.00}. Now this is appearing on all 3 credit reports. I feel that this is irresponsible when even they agree that Old Navy never got the address right or even tried to fix it when XXXX XXXX  seemed to have no problem at all getting my address correct. This is unfair billing practice. Please close this issue out and remove it from the 3 credit reports. I have attached a letter that portfolio recovery sent to me from they got from synchrony bank old navy credit card company with the invalid address.
Consumer complaint received 2020-12-18
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: Experian Information Solutions Inc. (VA)

I am disputing the XXXX account on my credit report that says it was opened XX/XX/XXXX & is currently showing a balance of XXXX & charge off status. This account went into repayment in XXXX, was included in ch XXXX bankruptcy in XXXX and discharged in XXXX. The chapter XXXX bankruptcy pubic record itself isnt on my credit report because the bankruptcy is chapter XXXX and over 7 years old ( the record has fallen off due to its age ). This account was also included in chapter XXXX bankruptcy in XXXX, although it didnt need to be because it was already discharged prior to that. This account has been previously disputed and you have previously updated the account for me many times because the creditor goes in from time to time and updates it back to charge of status. I have been told to just call when this happens and within 24-72 hours you will fix the status back because this has been previously investigated and found in my favor. I have used this process successfully several times. However, a few days ago I contacted experian when I became aware the creditor updated this to have a balance again and the rep opened the dispute and after I heard nothing after several days I called back to check on the status and that rep said it could take 30 days. I explained I shouldn ; t need a whole investigation again for this same issue and to look in my file they can see the history of this issue. This brings down my score every time this happens and should be handled swiftly. She was no help. I received notification this morning the dispute was resolved and when I review it says it was updated, but nothing was updated. It still shows a balance and charge off status. I need this fixed asap and you need a better process for preventing this from recurring. This debt is over 7 years from the original delinquency anyway and I have no idea why it is even on my report to begin with at this point. I have attached the loan details from XXXX - this went into repayment in XXXX.
Consumer complaint received 2020-12-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

I am a card holder with Victoria Secret, Comenity bank. In XXXX of 2020 I received my first statement and made my payment a few days late due to a mistake on my end. The full balance was paid of {$24.00}. I contacted customer service and was told this XXXX late fee would be waived. Fast forward to XX/XX/ 2020, I was hours late of paying my full statement balance of {$39.00}. Their cut off is XXXX XX/XX/XXXX with absolutely no grace period for payments. My balance was paid in full, yet the next day, my due date is the XXXX, I viewed my statement on the XXXX. I was charged a {$31.00} late fee on a {$39.00} balance. I contacted customer service today to request the fee be waived. I was met with complete disrespect of the supervisor who advised there was absolutely nothing she could do to waive this fee. When I questioned what exactly her bank was doing to help people during this trying time, she mentioned they are working with consumers with large balances to reduce their minimum payments and interest. Yet a consumer who pays their balance in full, with no financial hardship is unable to be assisted with fees. When I suggested that their bank consider sending email, texts, or calls to help remind consumers of their due date she mentioned this would be a waste of resources and we are all adults here. I believe this policy is doing harm to many, not just including myself. This bank has decided to put fees before assisting their customers, allowing absolutely no grace period or assistance for the consumer. Can a bank have a cut off TIME for payments? Especially in such a difficult time for so many.
Consumer complaint received 2020-12-18
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. (DC)

Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.
Consumer complaint received 2020-06-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (NJ)

XX/XX/2018 - payment in the amount of {$400.00} XX/XX/2018 - payment in the amount of {$200.00} XX/XX/2018 - payment in the amount of {$200.00} I have receipts for all payments ( or I can show bank statements ) and this should have settled the account. I later came to find out that my account was transferred to Jefferson Capital for the full amount of the debt. I have disputed the charges with XXXX  and XXXX to just be told that the debt is still valid.
Consumer complaint received 2024-05-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (MA)

Navy Federal Credit Union embarked on a website upgrade in XX/XX/year>. While I found the website to be less user friendly than it was before, that was not my major issue. I noticed a number of issues with all of my accounts ( I do the majority of my banking with them ) and immediately started calling and emailing them to correct the issues. Some were minor such as sometimes labeling interest as dividends or vice-versa and some were more serious and worrisome such as documenting a transfer to an outside company and documenting it to a totally unrelated and different company ( the only similarity was that they both had the word XXXX in the company name ). Other issues were labels that in my many days and years of having bank accounts I had never seen and when I called for information no one at the institution could tell me what these labels were either. There were duplicate transactions, transactions that showed as pending when they had already occurred and completed transactions that were pending. I have been reaching out through all of their communication channels since the first errors cropped up in XXXX and have documented each of them on multiple occasions. I was told last week once again that the errors would be corrected by XX/XX/XXXX and when I queried again that no changes had been made I was informed that they had no plan or intent to correct the errors that have been adding up since XXXX and would only correct errors going forward. Given that this is a financial institution and all of my banking information should be accurate and complete and the need for such impacts my financial well-being, taxes, etc., I am shocked that they are unwilling to correct their errors. When I have gone to XXXX of their branches, their employees just take down notes and tell me the problems are rampant and many customers are complaining ( I have heard the same thing from their customer support personnel and others who work there ). I would like NFCU to fix the problems the website has generated not just for me but for all of their customers and members. This is their business. I have started to gradually work to close my accounts and move my financial business elsewhere but NFCU is the largest credit union in the world and at the very least the information they provide to their customers and members should be accurate. No one seems to care or be willing to fix these issues and I would appreciate any assistance your agency can provide.
Consumer complaint received 2022-11-21
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: Experian Information Solutions Inc. (DE)

Recently, I did an investigation on my consumer report which has caused XXXX XXXXXXXX and XXXX  upon me. In accordance with the Fair Credit Reporting Act EXPERIAN, XXXX and XXXX has violated my rights. 
-15 USC 1681 ( a ) ( 4 ) : states that I have the right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states a consumer reporting agency can not furnish an account without my written instruction or oral instruction -15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy. 

The following accounts are errors : 1. XXXX XXXX XXXX Open Date : XX/XX/XXXX 2. XXXX XXXX XXXX Open Date : XX/XX/XXXX 3. XXXX XXXX XXXX Open Date : XXXX XXXX, XXXX 4. XXXX XXXX Open Date : XX/XX/XXXX 5. Account Number : XXXX
Consumer complaint received 2022-12-30
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FIFTH THIRD FINANCIAL CORPORATION (DC)

I am a new resident to XXXX XXXX and they require a copy of my original sale agreement/note/sales contract in order to register my car. On XX/XX/XXXX I called 5/3 Bank ( XXXX ) XXXX on XX/XX/XXXX and requested a copy of my sales agreement and was told it would be emailed 2 business days later and it was not. I then called again on XX/XX/XXXX and expressed the sense of urgency as it is causing me a financial hardship and I was told it would be faxed to me within 2 business days and emailed again within 2 business day, except they would request the fax on a rush. This did not happen. Again I called on XX/XX/XXXX and was told there was nothing they could do and that they would send it to their research department which would take another 2-3 BUSINESS days. The supervisor XXXX refused to escalate the matter and this is why I'm writing this complaint. This has caused me extreme duress and financial hardship as I can not register my car in DC and the VA tags have expired. This means I can XXXXot drive anywhere and I have to XXXX which is cost me money.
Consumer complaint received 2023-05-14
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: Bread Financial Holdings, Inc. (VA)

Please see My attached With Prejudice as a Memorandum for the Record, dispute of billing errorvalidation and verification of alleged debt/account dated XX/XX/2023.
Consumer complaint received 2020-12-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (WV)

My loan with XXXX XXXX XX/XX/XXXX was sold to Shellpoint in XXXX My XX/XX/XXXX payment would not be accepted by XXXX XXXX and it took Shellpoint 3 weeks until XX/XX/XXXX to get my account set up to even allow me to make a payment, which I then made with an extra payment on principal. I spent an hour setting up auto pay again from my bank ... .then today I receive a Notice of Sale from Shellpoint of my mortgage to another shady company, XXXX XXXX XXXX XXXX with a transfer date of XX/XX/XXXX. So Shellpoint only had the mortgage for 13 DAYS. The number they provided XXXX XXXX XXXX at 3 different places on the letter is not a working number. The loan number is XXXX. I am totally convinced that their frequent sale of my mortgage is going to result in losing my payments. Are they at liberty to sell my mortgage every month and to anyone that they want??? Now a XXXX XXXX company owns my mortgage and I have no idea where to send my XXXX payment. I have NEVER been late and feel very uneasy with the current sloppy, careless handling of my mortgage.
Consumer complaint received 2020-12-18
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: Experian Information Solutions Inc. (VA)

XXXX XXXX has furnished information to XXXX, XXXX  and Experian of an alleged debt. I don't believe either of the 3 bureaus conducted an independent investigation as required by law after I disputed the alleged debt. Instead they each chose to accept a home depot statement as proof when I asked for specific documents validating the alleged debt, including a signed contract. XXXX, XXXX  and Experian were each send a request to investigate the account for accuracy and a letter requesting the method of validation after they conducted their investigation. Even after a Estoppel by Silence letter, XXXX has failed to provide proof that I owe the debt to them. They also have not removed the account from my consumer report as also required by being validated.
Consumer complaint received 2023-03-21
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. (TX)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 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 2020-12-18
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX Information Inaccurate Disputed - on XX/XX/2020 Inaccurate Charge off amount Inaccurate Charge off Date
Consumer complaint received 2017-03-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Aqua Finance, Inc. (NJ)

The company has not provided proof of the debt. I have asked for a copy of the contract between the collection agency and the original account owner, a detailed contract between myself and the original owner, and a detailed print out of all payments and outstanding debt as well as proof of signature from this agency and it has not been received.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to formally dispute the presence of unauthorized accounts on my credit report, which I believe to be fraudulent. Upon reviewing my credit report, I discovered accounts that were not authorized by me and do not belong to me. I am certain that these accounts are fraudulent and request that they be removed from my credit report immediately.
Consumer complaint received 2023-05-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I have inaccurate information reporting on my credit report. The late payments on XX/XX/2022 and XX/XX/2022 on my XXXX XXXX XXXX XXXX  cards are inaccurate and must be removed immediately!
Consumer complaint received 2022-11-05
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. (FL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX  XXXX Balance : {$2300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-18
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: I.C. System, Inc. (FL)

On XXXX XXXX, 2020, I.C. SYSTEM, INC add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA I.C. SYSTEM, INC has violated my rights as a consumer and I requesting legal action to remove this account immediately.