davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (AZ)

BSI Financial has refused to remove XXXX XXXX  XXXX from my account. 

I submitted an official appraisal report on XX/XX/2021 indicating that the market value of the property had increased to {$610000.00} - meaning my equity had surpassed the 20 % threshold. 

I was told that XXXX would be removed within 30 days of submitting the official report/appraisal. 

I have contacted the company via phone, email, and messaging system at least 3 times since to follow up and have the XXXX  removed and associated charges refunded. 

They have never responded and the customer service associates are unwilling to connect me with the underwriting team directly to sort this out.
Consumer complaint received 2022-05-27
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: LEXISNEXIS (VA)

I made a complaint to CFPB in regards to an issue that Im having with LexisNexis they have failed repeatedly to fix this issue of reporting inaccurate information to XXXX, XXXX, XXXX stating that they received this information from a valid source the XXXX XXXX XXXX BANKRUPTCY COURT. I am also providing a statement from the court that they do not provide any information to the credit bureaus, also I will attach the notice that I mailed to LexisNexis in regards to this issue, along with the letter they sent back stating the received this information from the XXXX XXXX XXXX, I have been going back and forth with lexis nexis about this issue and they have failed to get it right. And they are unable to provide me validity from the court that gave them this information so under the FCRA they are to remove this inaccurate information.
Consumer complaint received 2022-05-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (WA)

After spending the last two days on the phone with chase fixing things with my account they decided to close it. I have currently {$10000.00} in the account and called bot today and yesterday to let them know per the deposit agreement I signed when I opened the account there is nothing in that agreement that states I have to wait for them to mail me a check and told them twice now that I would go to the close branch to get the remainder of my funds in the accounts at time of closing. Both times I went to the branch they have told me they never recieved those instructions and said they would mail me a check. This is beyond crazy and I dont understand how they can hold my money when I have said twice know I will go to a branch to get the funds. This has cost me alot of time that I dont have to waste being on the phone and going into the branch just to be told no. The customer service people are flat out lying to me on the phone and not doing what they say they are and I dont understand how they can or are getting away with this. They need to give me my money now and not keep telling me something they arent doing. Do not use chase they have very poor customer service and basically will steal your money and keep you from getting it which is super illegal I feel. Chase by choosing not to give me my monery is basically stealing from me and there is no document I signed that states when they close my account that I cant go to the nearest branch to get the remaining balance.
Consumer complaint received 2022-05-27
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX Account/Reference # XXXX, XXXX XXXX Account/Reference # XXXX, XXXX XXXX Account/Reference # XXXX, XXXX XXXX XXXX Account/Reference # XXXX XXXX XXXX XXXX XXXX Account/Reference # XXXX, XXXX XXXX XXXX Account/Reference # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX  Account/Reference # XXXX, XXXX XXXX XXXX Account/Reference # 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 2021-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MUFG AMERICAS HOLDINGS CORPORATION (NY)

Ive been a mortgage customer at Union Bank for many years. Earlier this year I refinanced within Union Bank under lower percentage. My payments are automatically administered by the XXXX XXXX XXXX monthly. As it happens, Union Bank issues new account number for me, but the payments were going to the old account and I wasnt made aware of it. 
As a result there is a late fee of {$250.00}, again, I wasnt aware of. I sold my house few weeks ago and only then discovered that late fee. The Union Bank customer service supervisor apologized for a mishap of ever assigning me a new account and reversed their late fees. Well, as that late fee was included in the closing cost, the bank never issued the check, that is due to me.
Consumer complaint received 2023-01-20
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: Kikoff Inc. (MI)

To whom it may concern, Kikoff Lending LLC is reporting inaccurate information to my consumer report. They have been using obscene language and is damaging my reputation. They were never supposed to share my nonpublic information without it being clearly and conspicuously disclosed to me that it would be reported to a consumer reporting agency. They never gave me the opportunity pursuant to 15usc1681a ( 2 ) iii.
Consumer complaint received 2021-12-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

I would like to dispute and have remove a XXXX XXXX account on my credit report with a balance of XXXX listed on my experian. This Account is inaccurate and is missing many months of reporting I have disputed This Item several times however it continues to be verified as accurate.
Consumer complaint received 2019-09-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (PA)

My friend wanted to go to a concert and arranged payment of {$110.00} with a fraudulent seller of tickets through my personal PayPal account since he had my cellphone on XX/XX/2019. 

I did not authorize the payment, and, within an hour of him submitting the money transfer, contacted PayPal directly to dispute the charge as it was an unauthorized payment that should at no point be cleared on their end. 

They replied back that they would not collaborate as it was sent as a gift. I am seeking remediation through a higher power that sees nuances in such cases and can assist further.
Consumer complaint received 2021-12-20
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 — Their investigation did not fix an error on your report
Company: Westlake Services, LLC (FL)

I still have Inaccuracy on my credit report after multiple disputes letter sent informing them about the problem. 

From my understanding is that the XXXX XXXX Format is the industry standard for reporting accurate, complete, and timely information. The Item of Information should, but does not, accurately and completely paint a truthful picture and such consumer reporting fails to meet the maximum possible accuracy which is the industry standard.
Consumer complaint received 2021-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.
Consumer complaint received 2021-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (NC)

ALDOUS & ASSOCIATES # 1, LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, UT XXXX To : The Office of Registered Agent for Aldous & Associates # 1, LLC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats More, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, Please provide me with a copy of all the following : An explanation of what this alleged account is for. 
A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation that shows I agreed to pay this debt with my signature. 
The agreement that grants you the authority to collect on this alleged debt. 
A copy of your state license, including license number that give you rights to collect in my state. 

You will forthwith and return transmit your written evidences of your delegated authority to represent '' that you and XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 
Aldous & Associates # 1, LLC, has invaded my individual privacy under 15 U.SA 1692 A. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair Practices By : XXXX XXXX XXXX
Consumer complaint received 2022-05-27
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2019-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My daughter and I went to XXXX XXXX bank to open a saving and checking account and while opening the account she told both of us that we were approve for a no interest credit card, she gave us papers to sign and said the card would be to us in a few days, we told hard that we did not want a hard inquire on our record and she told us that the bank only pull soft inquire. We wrote the bank with a complain and they said we have your signature on the forms so that is our problems. We were trying to fix our credit and they just hurt us by there person that lie to us. We just would like them to remove the hard inquire
Consumer complaint received 2021-12-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX - XXXX XXXX
Consumer complaint received 2021-12-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

On XX/XX/XXXX I send a dispute to Experian about the following account XXXX XXXX XXXX XXXX ( Opened : XXXX. XXXX, XXXX, Credit limit {$750.00} ) that was open by someone that stole my identity. With the dispute I also send Experian an Identity Theft Affidavit. I have done my research and I know that Federal law as is stated on the FCRA, sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), obligate the credit bureaus to delete the fraudulent information in my credit file within 4 days upon receipt of the correspondence. It's been over 30 days and the fraudulent account stills there, and that is preventing me from getting necessary financing
Consumer complaint received 2021-12-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I was approved for NC unemployment back in XXXX. I had it to where the money would go to the nc XXXX debit card with bank of america. I never recieved the card, I called several times in regards to where my card was located. All i was told was that it was mailed to me. Turns out either it never made it to my mailbox or someone stole it. Now my entire unemployment funds have been used. I called bank of america to report it, I submitted docutments to show that during a duration of the time i wasnt even in the same state that the card was being used in. Bank of america instantly denied my claim. told me i had five days to turn in doucments, they never mailed me any letters in regards to who and where i had to send these documents to. I had to call and have a repersentive give me the fax number. I orginally filed my claim for fraud on XX/XX/XXXX and three days later I was told that it was denied. I asked to have it reopened sent over the nessecary docutmentions, one day later they denied my claim. I feel as if they instanlty denied my claim without actually doing any investagating. Now im out of close to thirty thosands dollars and XXXX  with XXXX kids.
Consumer complaint received 2021-12-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX - XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-02
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: World Acceptance Corporation (SC)

I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018 to WORLD FINANCE CORPORATION and all e credit bureaus. It is now XX/XX/2018. I sent the WORLD FINANCE CORPORATION and all the credit bureaus a copy of my police report, ID Thief Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Consumer complaint received 2017-09-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kross, Lieberman & Stone, Inc. (GA)

I received a credit alert from XXXX on my credit file from this creditor. I do not know this credit or what is the debt is for. Creditor did not send me a letter notifying me of this debt nor provide my a right to dispute.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

To Whom It May Concern, I am writing to dispute and request the removal of incorrect address information from my credit report. I have recently reviewed my credit report, and I have noticed that there are addresses listed that do not belong to me or are outdated. This inaccurate information is negatively impacting my credit profile and may lead to potential errors in my credit evaluation. The inaccurate addresses that I am disputing are as follows : XXXX XXXX ct XXXX ga XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX  XXXX Al XXXX XXXX XXXX XXXX XXXX ga XXXX I would like to emphasize that these addresses are not associated with me in any way, and I have never resided at these locations. To ensure the accuracy and fairness of my credit report, I kindly request that you promptly investigate and remove these erroneous addresses from my credit file. Enclosed with this letter, you will find copies of documents that can help verify my current and correct address : I also request that you provide me with written confirmation of the removal of these incorrect addresses from my credit report once the investigation is complete. This confirmation should be sent to the address listed above. Thank you for your prompt attention to this matter. I understand that accurate credit reporting is crucial for maintaining my financial integrity, and I trust that you will take the necessary steps to rectify this issue.
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

The nature of this corresondence is to inform you an error and greivance that has caused me severe XXXX on my consumer report, i'm speaking of the Closed Navient accounts on my XXXX and Equifax consumer file. We have asked the furnisher XXXX to investigate the first date of delinquency and they confimed that 480 days prior to XX/XX/XXXX was the first date of delinquency which was around XX/XX/XXXX. XXXX and Equifax have violated several consumer laws on my consumer file which I will disclose what statute has been violated in the attachment. 

The attachement will be a notorized document and this will be the final notice to request These Closed XXXX  accounts ( 5 with XXXX and 2 with Equifax ) to be DELETED from the consumer file. If these accounts are not DELETED a lawsuite will be filed against you.