davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LCS FINANCIAL SERVICES CORPORATION (VA)

On XX/XX/year>, I received a call from an individual representing LCS Financial Services. During this call, I was informed of an alleged debt, which I do not recognize or recall. When I requested information about the debt, the caller refused to provide any specific details or documentation, stating that they had allegedly contacted me before, which I have no memory of. As I continued to ask for verification, the caller responded with an unprofessional remark, YOU NEED TO PAY YOUR BILLS, which I found disrespectful and harassing. 

Since that interaction, I have formally requested that LCS Financial Services provide me with all relevant documentation to verify the debt. This includes an original signed agreement, a comprehensive audit of the debt amount, and proof of their legal authority to collect the debt. I also requested that all future communications be in writing to avoid further harassment. 

I am submitting this complaint to seek assistance in obtaining lawful verification of this alleged debt and to address the unprofessional conduct exhibited during the phone call. If LCS Financial Services is unable to provide valid documentation, I request that the debt be removed from my records and any related credit reporting be corrected. Thank you for your assistance in resolving this matter.
Consumer complaint received 2024-11-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC (FL)

I am writing to formally request validation of the debt that you have reported to me. This communication is being sent under the Fair Debt Collection Practices Act ( FDCPA ) and my right to request verification of the debt.

Please provide me with the following information : 1. The amount of the debt.

2. The name and address of the original creditor with proof of the original agreement with my signature on it.

3. A detailed statement that outlines the charges and fees leading to the current amount owed including payment history.

4. Documentation that shows you are authorized to collect on this debt including date that this debt was obtained.

5. Any judgments or legal actions taken against me regarding this debt.

Please note that until I receive this verification, I will consider this debt invalid. Additionally, I request that you cease all collection activities until this debt has been validated. 

Please send your response to the address listed above. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NY)

Within the last 4 months, an account with XXXX XXXX XXXX XXXX XXXX ) was opened by my mother. She was approached by someone at the supermarket advertising XXXX and who offered her a lower rate to enroll me as the account holder. 

My mother is XXXX and not adept with technology. She was quickly frustrated with the attempt to use the new equipment XXXX XXXX XXXX XXXX XXXX ) and immediately called to cancel the service and to arrange to return the new equipment. 

XXXX  continued to contact me about the account and we called them utilizing her account in order to address the issue. My account was closed and customer service notes were supposed to have been made on my account and hers noting that she was retaining her account at the address and closing mine, which was not active for even a month. 

The equipment provided for my account was not used longer than an hour tops, most of which was the time for me to set up the account. Because of this reason and the fact my mother is a long time customer of XXXX ( previously XXXX XXXX, since XXXX ), any payment was waived or so we were told by the customer support agent. 

Yesterday, while doing a routine check of my credit report, I noticed a collection amount on my XXXX credit report from XXXX XXXX XXXX, in the amount t of {$150.00}. The date for the debt was XX/XX/year>. No attempts by either XXXX or this collection agency were made at time of writing to collect on this debt or to verify its validity with me. 

This negative entry on my credit report XXXX have prevented me from being approved by XXXX XXXX XXXX XXXX for XXXX XXXX XXXX, which would have allowed me to pay off my credit card debt and improve my XXXX XXXX. 

Had we been told months prior that we would be required to pay some termination fee, my family would have paid it. My mothers payment history with XXXX is impeccable. Her account is under the name XXXX XXXX, at the same address as myself ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX ). 

Whether it was an error on the part of XXXX XXXX XXXX XXXX XXXX a failure of the customer service representative handling my mothers account and mine is irrelevant. I dispute this debt as I do not believe it to be valid. The account was opened for a brief time closed almost as quickly, with the equipment returned to a physical XXXX location in XXXX, XXXX 

Having called the company today, a dispute was opened under reference number XXXX. Prior to opening this dispute, it was noted that no customer service notes were found on my account. This is an omission that likely led to debt collection action being erroneously taken against me. 

I would greatly appreciate the help of the CFPB in sorting out this situation. As for XXXX XXXX XXXX XXXX and the XXXX credit bureaus, I would greatly appreciate the support of the CFPB and XXXX XXXX XXXX XXXX XXXX the situation and clearing my name of this debt. Thank you.
Consumer complaint received 2020-05-26
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. (AR)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-09-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-11-11
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: CORELOGIC INC (SC)

ITS BEEN PAST FOUR BUSINESS DAYS AND THE ACCOUNTS ARE STILL NOT BLOCKEDVIOLATING MY RIGHTS AS A CONSUMER UNDER THE FCRA 605C I AM A VICTIM OF HUMAN TRAFFICKING THESE ACCOUNTS WERE THE RESULT OF THAT TRAFFICKING PLEASE BLOCK THESE ACCOUNTSWITHIN FOUR BUSINESS DAYS PURSUANT TO FCRA 605C. PLEASE PLACE A FRAUD ALERT ON MY PROFILE USING THE NUMBER XXXX. PLEASE PLACE A SECURITY FREEZE ON MY PROFILE. PLEASE ALSO OPT ME OUT. PLEASE BLOCK THE ACCOUNTS RELATED TO HUMAN TRAFFICKING. PLEASE ALSO SEND A COPY OF MY CONSUMER REPORT UPDATED TO MYSELF AND CPFB. SUPPRESS MY FILE
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

These hard inquiries dont belong to me, hasnt being autorized by me has to be removed. 

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 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

XXXX XXXX XXXX for XXXX XXXX Apartments. I lived in XXXX XXXX XXXX. I was evicted. To this day I cant tell you why. The attorney representing XXXX XXXX claims XXXX XXXX sent me a letter dated XX/XX/XXXX advising that eviction had been failed because I failed to recertify. The court documents detail the reason for eviction was unlawful detainer with {$0.00} money owed. 
In XXXX of XXXX, I told XXXX XXXX ( XXXX XXXX staff member ) that my fianc was moving to XXXX and we would probably be looking for a house. She explained the month to month clause built into the lease. She asked me to give her a 30 day notice if I was going to move out and I agreed. My then fianc moved to XXXX, AL with his XXXX XXXX XXXX son XX/XX/XXXX. I came home one day in XXXX of XXXX and the letter dated XXXX XXXX, XXXX was on the door. I went to the office to find out what was going on. It turns out per XXXX " There was miscommunication and power struggle '' going on between XXXX XXXX management and I got caught in the middle. XXXX referred me to XXXX because the issue was " above her pay grade ''. XXXX told me to disregard the notice and gave me an updated lease to take to the school to enroll my step-son. I took the lease to XXXX XXXX XXXX and enrolled my son. Shortly after that, I received an actual eviction notice. I responded to the complaint. I did not understand because I was a model tenant. I was quiet. I did not owe any money. After receiving the eviction notice, I still paid my rent but the attorney representing XXXX XXXX sent it back to me. 
The attached eviction complaint says that I was evicted because the lease expired. The statement of claim say I owe {$0.00}. In XXXX of XXXX, XXXX XXXX XXXX sent my money order back claiming my lease has expired. XXXX XXXX XXXX, XXXX ruled on XX/XX/XXXX that if I moved by XX/XX/XXXX I would not have to pay anything. I rented a XXXX XX/XX/XXXX. I placed the key in the drop box XX/XX/XXXX. I did everything I was asked to do and they reported {$2100.00} to the credit bureau without notice ; or an explanation. I have disputed this false reporting through Equifax, XXXX, and XXXX. I provided the supporting documentation and they did not conduct an investigation. As a matter of fact, the Equifax rep deigned receiving the supporting documentation until I provided a tracking #. The corporate office of XXXX XXXX can't tell me why the {$2100.00} is being reported because XXXX XXXX has a whole new staff. The apartment was left clean. I paid XXXX the cleaning lady to clean and take pictures.
Consumer complaint received 2024-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX my account balance shows over {$1500.00} dollars but my card was being declined online and at a gas station. I called Wells Fargo and was told my account was overdrawn. I was unable to see this from a branch ATM. I was told by XXXX in customer service that a hold was placed on the deposited check I made the day before but no notice was sent to me prior or during. I was told I wouldn't get that til Tuesday. I called my employer to verify the check cleared a d was sent proof of thr check clearing their account. XXXX with Wells Fargo is claiming the hold will stand until XX/XX/XXXX.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

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 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately XXXX XXXX XXXX
Consumer complaint received 2024-09-23
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. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-11-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I attempted to schedule a transfer from my checking account to pay my credit card bill. Knowing I would receive a paycheck on XX/XX/XXXX, I scheduled the transfer for XX/XX/XXXX. I performed this transaction on XX/XX/XXXX, which is a holiday. The transfer was processed immediately instead of on the date requested, causing my account to overdraw over {$300.00}. I had planned to make a cash purchase of roughly that amount the same day or the next day. I spoke with multiple representatives and reported the error as it has happened once before. 

I asked to cancel the transfer ; I was informed multiple times this was impossible. I then asked for a cash advance so I could move the money from my credit card back into my checking account without the fee. When I was refused this, I asked for a receipt that I had initiated the transfer for XX/XX/XXXX. I was not provided this. I later asked a second time and was ignored again. I was told repeatedly that my credit card was set up as overdraft protection, to which I responded that I needed to pull money out of an ATM on XX/XX/XXXX and overdraft protection would not help me with that. 

I have been left with a {$0.00} balance for the week, through no fault of my own, and the bank has taken no action to correct this.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-23
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (FL)

On XX/XX/year> I checked my credit report and saw a collection account I do not recognize and that is being inaccurately reported on my account. 

The account being reported is in the amount of {$170.00} from Amsher Collection Services.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 2020-05-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CO)

On XX/XX/XXXX my FHA loan was transferredfrom XXXX XXXX  to New Rez because XXXX financial filedfor bankruptcy. 
on XX/XX/XXXX I received an " Escrow analysis '' from New Rez that stated a 1/6th balance cushionwas required for my escrow account. I have never had this requirementbefore for myescrow account with any of my previous " holders/lenders '' of my FHA loan.I called New Rez several times between XX/XX/XXXX and XX/XX/XXXX attempting to get the 1/6th. cushion requirementremoved from my escrow account because per my originalnote a " 1/6th '' cushion is not required and also because per my " welcome letter '' None of my mortgage terms are to change, the only difference is the company I send my payments to. 
I have had my FHA mortgage loan since XX/XX/XXXX and since my mortgage has been transferredto 3 different lenders and never have I had this issuebefore.On XX/XX/XXXX I decided to make yet another call and speak to a supervisor considering that any other time I had talked to a customer service representative my questions were not being answered in a consistentmanner. I spoke with a manager by the name of XXXX XXXX who opened a case for me and said it had a completion date of XX/XX/XXXX. When I called on the XXXX. for the resolution of the case they stated they were still working on it. Today, XX/XX/XXXX when I called I was told by another representative that the case is still open because the original request was not to remove the 1/6th cushionbut to rather close my escrow account. I have not made a payment to my mortgage for the month of XXXX because I can not afford my new mortgage account because of the XXXX cushion. I am under the impression that because my loan was transferred to New Rez from XXXX and the welcome letter states that nothing will change in regards to theterms of the loan and also because the 1/6th cushion was not a part of my original FHA mortgage note, that what they are doing is not legal, and thus, I am reaching out to you for your guidance and help in regards to a resolution so that I won't lose my home. 

I also am concerned in regards to the legitimacy of this company. All of my correspondence say " New Rez '' but when I call they state their name is Shell Point Servicing and New Rez is a  subsidiary of Shell Point Servicing. I just want to make sure my previous payments made are to a legitimate company.