davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

{$140.00} was taken out my XXXX account which we shared together bank of america say i owe money and they was Recovering it, but Im not the owner of the account. My son is why you didnt send a notice telling My Son that you were going to take the money that was a illegal transaction. You did not have my consent. My account had nothing to do with my son account, we Share a joint account he added me onto his account. If you wouldve sent me a notice saying I owe something seven years ago, I would have paid and made payment plans. They put us in the bad state by taking his money I wrote a form a complaint later, demanding that the refunds be returned and My Son closed out the account because no one asked him. Whether or not it is permissible for them to withdraw any funds from his account would depend on the specific terms and conditions set forth in any agreements or powers of attorney that may be in place. Additionally, legal regulations and restrictions may also come into play. It is recommended that they consult with legal counsel or a financial advisor to understand the options and implications fully.XXXX the account written as XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2024-04-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (TX)

Westlake Financial Services XXXX XXXX my car once and charge me over {$2000.00} to get back. I was still working so it was ok to get back but once I got sick and was trying to apply for XXXX I tried to get help from Westlake but no success, I called and spoke with Westlake and I told them I can no longer afford the car I wanted to surrender the vehicle and the person I spoke with advise me its better to surrender than have a Repo which would affect my credit. I purchase the car in XXXX owed around {$25000.00} and in XXXX I still owed {$25000.00}. The lady told me the vehicle would go up for auction and they would let me know if there was a deficiency balance. I have never heard from Westlake or received any letters since XXXX I applied for a Job with XXXX XXXX, XXXX and I was denied a job because XXXX has I still owe them {$25000.00} on my credit report. I have been in the XXXX industry for over XXXX years and now because of Westlake showing I still owe them {$25000.00} I can't get a job in that field anymore. XXXX want hired me because of that outstanding balance. I was not told that the amount would be on my credit with a voluntary Surrender only for XXXX
Consumer complaint received 2023-04-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (CA)

I received an email alert from the XXXX website on XX/XX/XXXX. I checked the credit report website and saw an alert stating, " XXXX XXXX XXXX has flagged your account as 30 Days Past Due on XX/XX/XXXX. '' I have yet to receive a paper billing statement or an email informing me of a pending balance. The last message I received in my UAS connect account was on XX/XX/XXXX. I do remember calling UAS to inform them of my in-school status in XXXX, the representative said at the time that the loan would be put in active deferment when the federal database verified the change. 

I could not call the private loan lender immediately, but I called a few days later, in XXXX. I requested to confirm the deferment status of the student loan and the current contact information, including email and address. My address and email information was correct and current. The student loan was in repayment, despite being a full-time student since XX/XX/XXXX at XXXX XXXX XXXX The representative verified with the federal database and updated the status to an in-school deferment. I asked when the credit score would be reversed, and the representative said it would be at the end of XXXX. 

I revisited the credit report website on XX/XX/XXXX, and the credit score was not reversed. I emailed the private loan lender that day that I wanted to submit a complaint due to insufficient diligence on their part. I received correspondence from XXXX XXXX on XX/XX/XXXX, but he did not explain how to submit a complaint. He confirmed that the deferment status was active, and there was no balance due at the time. I replied on XX/XX/XXXX, to explain that I wanted to proceed with the complaint because I had never received a billing statement, and the lender 's negligence affected my credit score. The score did not reverse at the end of XXXX. The representatives I communicated with extended the dates when my credit score should have been reversed but did not explain the steps to submit a complaint. 

I persisted in submitting a complaint despite the evasiveness in the emails. I called on XX/XX/XXXX, and spoke with representatives that would not transfer my call to a supervisor to file the complaint. Again, the individuals were evasive and unprofessional. I became irate when the representative lied, including telling me I would be transferred and never hearing the hold message and music ; the representative, XXXX, also lied to me, saying she had to email her supervisor before transferring mehighly suspicious behavior. After speaking with XXXX, I sent an email the same day and explained the poor customer service I received during the calls and insisted on filing a complaint. I never received a reply after the XX/XX/XXXX email, and my credit score has not been reversed when I checked on XX/XX/XXXX.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (DC)

I XXXX XXXX XXXX, XXXX # XXXX. XXXX # XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA $ 605B ( 15 U.S.C. & 1681c-2 ) that you. The XXXX and XXXX credit reporting agencies, block information on my consumer credit that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 1 inquiry ( JPMCB CARD SERVICES ). Opened XX/XX/XXXX. A collection account ( XXXX XXXX XXXX ). A cellphone account opened XX/XX/XXXX with a balance of {$1300.00}. A collection account ( XXXX XXXX XXXX XXXX ) Opened XX/XX/XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer fraudulent credit report. I have attached a list of hard inquiries and collections in question. The aforementioned inquiries and collection accounts appearing on my consumer credit report maintained by you were not opened, made or initiated by me. They are all a result of identity theft. I have attached a copy of FTC Identity Theft Criminal Complaint ( # XXXX, # XXXX, # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account, collections also hard inquiries are a result of identity theft and fraud.
Consumer complaint received 2024-05-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Sunbit, Inc. (NJ)

XX/XX/XXXX requested replacement credit card never sent as promised XX/XX/XXXX. Stated it was sent... never received XX/XX/XXXX called again. Getting the run around XXXX XXXXXXXX. Stated card not sent. Going to send again..requested to speak to supervisor. Person hung up on me I WANT MY CREDIT CARD TO CREDITED FOR THE AGGRAVATION AND BEING LIED TO FOR SIMPLY REQUESTING A REPLACEMENT CARD
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/2024, I submitted/ mailed and a letter to these companies letting them know they were reporting inaccuracies/inaccurate information concerning late payments, I also requested validation of the late payments, and how they verified these late payments, over the past the past year I have made subsequent attempts to have these late payments reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2024-05-29
Product: Credit 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: DISCOVER BANK (FL)

This is the start of the problem when purchased the wheels and it went down XXXX from there. wanted to reach out about an experience I had buying a set of wheels from a company called extreme wheels. I originally purchased a set of XXXX, XXXX and XXXX in XXXX, the company didn't have the XXXX in stock so they charged me an extra {$250.00} bucks for powder coating them XXXX ( all the wheels are XXXX btw ) so I paid well over XXXX for the set and when I got them they had chips on them and every wheel was scratched up. They said that the manufacturer wanted me to fully detail them and to see if it goes away. I said I would not because there's no way to fix them with chips and all by detailing them and that I paid over XXXX for the set so they should be flawless and ready to mount, they them came back after XXXX emails and said we will give u XXXX to basically shut your mouth and take the wheels so I said no and started a dispute with my credit card company because they never responded to my emails after that. I'm not happy and something should be done about this, I have pics, I have all documents showing I never got a refund and that it was disputed over 4 times which the credit card company is screwing me over as well.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (CA)

So Im writing to your agency based on the fact that you have furnished a bankruptcy on my report without my permission. I know that you pulled the information from PACER but yet youre stating that the furnisher is the US Bankruptcy Court when we know that thats not true because courts nor the PACER system communicate with consumer reporting agencies, and I have proof of that.

The sharing of information without my expressed written consent is identity theft. The federal laws that back me up are as follows : I never provided Lexis Nexis with written permission to report any account which is inclusive of all the data you have mined from different databases, especially this bankruptcy. This is a violation of 15 U.S. Code 1681b ( a ) ( 2 ). So what does that say ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

We know that the definition of a credit card per 15 U.S. Code 1602 ( l ), means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

That means if I did not provide Lexis Nexis with consent to share my credit card ( ID, SSN ) with another entity those being XXXX, XXXX, and XXXX, then this is a violation of 15 U.S. Code 1681c-2.

This federal law states : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall 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 of 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 by the consumer.

See all four ( 4 ) items attached.
Consumer complaint received 2023-08-04
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. (IN)

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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 2024-05-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: BSI Financial Holdings, Inc. (TX)

I originally purchased the property with XXXX XXXX XXXX XXXX XXXXXXXX. on XX/XX/XXXX in XXXX Texas. XXXX XXXX XXXX XXXX transferred the mortgage note to Servis One, doing.business.under the name .BSI Financial Services XXXX XXXX. The servicing transfer occurred on XX/XX/XXXX. The XXXX XXXX XXXX XXXX XXXX shows that BSI Financial Services was unlicensed and not allowed to operate or perform any business activities between XX/XX/XXXX and XX/XX/XXXX in the state of Texas. The XXXXXXXX XXXX XXXX XXXX provides a history of the licenses and it states '' Not Authorized to Conduct Business between the dates XX/XX/XXXX and XX/XX/XXXX. In response to my request for validation of the claim, BSI sent a letter advising that the loan was transferred for servicing to them on XX/XX/XXXX. This date is within the time that BSI was unlicensed. I shared this information with their attorney and no one is acknowledging this issue. 

BSI has a history of fraud against consumers and had been sanctioned by CFPB on XX/XX/XXXX under Docket Number XXXX. A Consent Order was created under XXXX. A review of the attachments clearly shows that BSI FINANCIAL SERVICES was unlicensed to operate in Texas for approximately 292 days. This needs to be investigated as I believe there may be other consumers impacted by their schemes.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (NC)

In willful violation of federal law and in non compliance of FCRA 605B LexisNexis is refusing to remove an account ( XXXX XXXX XXXX XXXX ) that is the result of Identity theft. I have provided all identifying documentation, reported the theft to the FTC and provided LexisNexis with an affidavit of fraud from the police department. I am seeking the immediate removal and blocking of this account from my credit profile. LexisNexis has shown no evidence that any of the following are true that I XXXX. The request to block information was based on a material misrepresentation XXXX knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of the blocked transaction or transactions. nor have I XXXX agreed in writing that a block was made in error. A key provision in FCRA 605B is that a Credit Reporting Agency such as LexisNexis SHOULD NOT be investigating consumer cases of identity theft. Also conducting an investigation of the furnisher 's reporting is not part of the identity theft blocking process, and is not basis for denying the block under section 605B. If this derogatory information is not removed immediately I have no other option other than to will seek punitive damages per FCRA 616.
Consumer complaint received 2024-05-29
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI (TX)

I sent a letter asking General Revenue Corporation to validate a debt on my credit report. Account number XXXX. They did not respond which is a violation under 15 U.S. Code 1692g ( a ) is a section of the U.S. Code that covers the validation of debts and requires debt collectors to send a written notice to consumers within five days of first contacting them about a debt. The notice must include : The amount of the debt The name of the creditor A statement that the consumer must respond within 30 days A statement that the debt collector will provide the consumer with the name and address of the original creditor if requested in writing within 30 days Please help me and remove this account from my credit report
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc. (AR)

I do not recognize debt to NCB. As of 15 USC 1681 validation of debt and 15 USC 1692 NCB has to show original debt agreement documents and my signature in agreement of debt with NCB.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: LEXISNEXIS (TX)

I am writing to formally lodge a complaint regarding two consumer reports initiated by LexisNexis, which are tied to my vehicle insurance records and have adversely affected my car insurance rates over the past two years. 

The reports in question pertain to what LexisNexis has identified as car accident claims. However, these records are incorrect. The incidents referenced in the reports were customer service inquiries I made to my insurance company, merely seeking information about coverages in case of a hypothetical accident. At no point did I file a claim for any vehicle accident. 

Upon discovering the errors in these reports, I promptly initiated a dispute with LexisNexis. Despite providing detailed explanations and evidence supporting my case, my dispute was rejected on the grounds that LexisNexis believes their records are accurate. This decision has left me in a difficult position, as the incorrect information continues to negatively impact my insurance rates, imposing a significant financial burden on me. 

I believe it is imperative that LexisNexis takes immediate action to address this issue. The false information being reported is not only incorrect but also unfairly damaging my financial standing. I request that LexisNexis re-evaluates the disputed reports and corrects the inaccuracies promptly. 

To facilitate the resolution of this matter, I have enclosed copies of my correspondence with my insurance company, which confirm that no claims were filed. Additionally, I am providing copies of my initial dispute submission and the rejection response from LexisNexis. 

I trust that LexisNexis will handle this complaint with the seriousness it deserves and rectify the inaccuracies in my records. Failure to correct this information will leave me no choice but to escalate this matter to the appropriate regulatory authorities and seek legal recourse for the damages incurred. 

Thank you for your prompt attention to this critical issue. I look forward to your swift resolution.
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/XXXX I took a call from American Express and agreed to sign up for a Membership Rewards program for Corporate Account. The problem was that the agent on the phone applied the service charge of {$40.00} to a XXXX XXXX ( an American Express card ) that I didn't have in my possession and unbeknownst to me, had an old address. ( The card hadn't been used for nearly 9 years. ) In XX/XX/XXXX I started getting text messages that one of my accounts was overdue. So I opened the mobile app and was confused by that XXXX  as my accounts weren't overdue. So I assumed this was a fraudulent text message. Later I got another text message. I logged onto AmericanExpress.com and the same story : all of the accounts were in good standing. ( Note that for some reason the XXXX XXXX wasn't attached to any of my online portals. This is a mistake on American Expresses side. ) In XX/XX/XXXX my mobile app started notifying me that an account was delinquent, which was really strange since again, all of the accounts it showed were in good standing. 

It happened again in XX/XX/XXXX so I called AMEX. The person on the phone told me about the XXXX XXXX ( which I hadn't seen in almost 9 years ). The next day they would try to autopay from a bank account that didn't have enough money in it, and it was too late to stop the payment ( maybe it was less than 24 hours ). So he said I should correct my address information, get a physical card sent to me, and then fix the payment information before the next month. I did all of that. I paid the card so the account is in good standing. But for a {$40.00} service ( which I later canceled because it was going to cost more than the value it was going to create ) all I got was a XXXX point drop on my credit score. 

I've been a customer for a long time, since XXXX. I called customer service on XX/XX/XXXX and she said I would need to call a specific department on M-F during normal business hours at XXXX. I called on XX/XX/XXXX and she said their department couldn't do anything about it. I called general costumer service on XX/XX/XXXX and that fellow said there was nothing to do other than wait for the credit score to increase over time. So he's basically saying I need to suffer for 18 months for a {$40.00} service his company suggested that I purchase. 

It's unfair for this company to damage my credit score and say I should be accountable for an account that was invisible to me since XXXX, the last time I lived at that address.