davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Amsher Collection Services, Inc. (SC)

On XX/XX/2024 I wrote the following to Amsher Collection Services : I am writing to request validation of an alleged debt that appears on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive verification and validation of any debt that is being reported or collected. 

Please provide the following information to validate the debt in question : 1. The original Assignment Contract 2. A detailed accounting of the alleged debt, including a breakdown of the principal, interest, fees, and any other charges.

3.Proof that the debt belongs to me and is not a result of identity theft or fraud.

4. Any other documentation that proves your legal right to collect this debt. 

Please consider this a formal dispute of the debt until you can provide the requested validation. I request that you cease all collection activities until this validation is completed. If you fail to provide adequate validation, I will have no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities
Consumer complaint received 2024-08-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (GA)

I was a XXXX  user for approx 12 years. I cancelled my XXXX account on XX/XX/year> and switched to XXXX XXXX. I paid my final cell phone bill via auto withdraw. 30 days after cancelling my XXXX  I received a 'final bill ' for the total of {$400.00}. I called and tried to talk to a XXXX XXXX rep without success, and only spoke with reps in XXXX. I was informed that I had in my possession a device called a 'CELL SPOT ' which is a cell phone booster. I was informed that due to not returning the item within the XXXX days I owe the {$400.00} to pay for the item. XXXX did not inform me prior to the XXXX  days that I needed to return the device. First and for most Ive NEVER had the device. I never asked for such device, knowingly received a device therefore can not return what i do not have. I have tried multiple times to talk with a XXXX rep regarding this but can only talk with people in XXXX or the XXXX. Eventually XXXX file this bill with a debt collector that I disputed and wrote a physical letter and mailed it to them stating why I feel this is not my debt. After mailing that letter I was contacted by AMSHER debt collectors regarding the same debt. I have spoken with this agency twice stating I will not be paying this debt due to XXXX XXXXot being able to provide proof that I ever received, used, owned, had or failed to return this device. After the 1st conversation with AMSHER I stated that i dispute the claim and I also wrote them a physical letter that I mailed to them. 30 days later ( today XX/XX/XXXX ) I received yet another call asking me to pay the debt, after already physically telling the XXXX rep on the phone and writing the letter i dispute the claim. Now i feel its harassment. I have dates of all phone conversations ( with some reps names ) copies of dated letters written, and all the letters sent to me from XXXX and both debt collection agencies. I have also looked online and found a very large number of other ex-XXXX users having the same issue with the carrier. I personally believe this to be fraud on XXXX behalf especially for not stating to customers about a potential debt prior to the XXXX  day time frame. I am at a loss of where to go from here other that finding a small claims lawyer to handle this situation but I figured id try the CFPB first for help.I have no problem paying my debts if they are justified. Thank you and please contact me at the earliest convenience to help resolve this issue. More documentation can be filed if requested. XXXX.
Consumer complaint received 2024-10-25
Product: Credit reporting 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. (MS)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation (NC)

This credit card company charged me interest that is illegal in the state that I lived in. The company agreed to close this credit account but it has now been sent to a collection agency illegally negatively impacting my credit. The collection company has also illegally threatened a lawsuit and I live in the state of nc now where this balance is more than XXXX years old. They need to remove the balance and delete this.
Consumer complaint received 2024-09-04
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: National Credit Systems,Inc. (FL)

I rented an apartment at XXXXXXXX XXXX on XXXX in XXXX, FL between XX/XX/XXXX - XX/XX/XXXX. During this time, I attempted to sublease my apartment. I had another tenant ready to take the lease with all documents signed, but failed to pick up the keys due to Covid 19. When I paid my last month through the online renter portal, my rent amount wasn't prorated, but I paid the full amount in good faith and was told by XXXXXXXX XXXX the excess amount of {$510.00} would be returned. After moving out, I was informed there was a claim on my security deposit due to not giving a sufficient notice to vacate, even though a deposit wasn't required upon move in, and the overpayment of rent was going to be used for that claim instead of being returned to me as promised. I did not pay the amount due to not receiving the money that was owed to me and was sent to collections. 

I recently reached out to the collections agency during XXXX of XXXX to resolve the issues and asked them to provide supporting documents validating I did not provide sufficient notice to vacate because I did not recall not providing a sufficient notice upon move out. The collections agency, National Credit Systems, provided me an illegible document of what they claim to be a copy of my lease, and a copy of a notice to impose a claim on my security deposit. During this time I also contacted XXXXXXXX XXXX  on XXXX to provide me with supporting documents showing I did not give a sufficient notice to vacate but they informed be they had no documents supporting this claim as well as no documents whatsoever of me or my lease in their systems. I do not understand how National Credit Systems continues to validate the account after my multiple disputes with XXXX, XXXX XXXX XXXX when there's no supporting documents from the Original Creditor ( XXXX XXXX on XXXX Apartments ) that I didn't give a sufficient notice to vacate. 

I can not include a copy of what National Credit Systems claims to be my lease due to the file size restrictions.
Consumer complaint received 2024-08-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (FL)

Freedom Mortgage did an escrow analysis in XXXX XXXX issued a check on XX/XX/XXXX which we did not received. On XX/XX/XXXX we called Freedom Mortgage to advise we do not have the check. The representative stated they will send out a new check. On XX/XX/XXXX we received the original check and I called Freedom Mortgage to advise and the rep said we could cash the original check. She said the original check has not been voided or payment stopped. I cashed the check with our bank that day. On XX/XX/XXXX the check was declined by our bank because Freedom Mortgage issued a stop payment. I spoke with Freedom Mortgage on XX/XX/XXXX XXXX spoke with a Manager who stated that they indeed issued a stop payment on the original check and that they issued the replacement check which I should receive by XX/XX/XXXX, It is XX/XX/XXXX XXXX we still dont have the replacement check, I contacted Freedom Mortgage who said their Escrow department has not released the replacement check and that they are not allowed to call the Escrow department and had to send them an email to issue the check. She could not understand why there was no replacement check sent. She said the funds went back to their Escrow account on XX/XX/XXXX but has not issued a new check as they should have sent the check on XX/XX/XXXX XXXX that the Escrow Dept closed the request stating will issue check on XX/XX/XXXX but did not issue a check. We want our replacement check - this is our money!! XXXX is being held by Freedom Mortgage and no rep is allowed to contact the Escrow dept and said I can not speak with them.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (OH)

I have repeatedly requested in writing that XXXX remove LVNV Funding from my credit report and delete any names except for XXXX XXXX. Per 15 U.S.C. 1681e ( b ), consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' However, the information on my credit report does not meet this standard as it is inaccurate and incomplete. Also, LVNV Funding is not listed in the XXXX XXXX XXXX as having proper certification to collect debt in the state of Ohio. XXXXAccount # XXXX Additionally, according to 15 U.S.C . 1681i ( a ) ( 5 ), consumer reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information in their file. If the information can not be verified, it must be promptly deleted or corrected. Given that the items listed above have infringed upon my rights to privacy and confidentiality and fail to comply with the FCRA 's reasonable procedures
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: Experian Information Solutions Inc. (MA)

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 2024-10-24
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: Experian Information Solutions Inc. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX Balance : {$36000.00}
Consumer complaint received 2024-08-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (CO)

**NOTE - My name is XXXX XXXX XXXX the CFPB profile has my maiden name ( XXXX XXXX XXXX- please make sure to forward my current name to Freedom Mortgage My mortgage was through XXXX XXXX  earlier this year. In XXXX, I made 3 payments to XXXX XXXX  : XX/XX/XXXX - {$2700.00} ( XXXX principal ) - XX/XX/XXXX payment XX/XX/XXXX - {$2700.00} ( XXXX principal ) - XX/XX/XXXX payment XX/XX/XXXX - {$1500.00} ( XXXX principal ) - additional XXXX that should have been applied on XX/XX/XXXX In XXXX, XXXX bank sold my loan to Freedom Mortgage. XXXX sent a check ( # XXXX ) to Freedom Mortgage on XX/XX/XXXX which had my final XXXX payments ( XXXX total ). I have a photo copy of the front and back of the check, along with my account number from XXXX XXXX. Freedom Mortgage never applied my payments to my mortgage and is saying that I am delinquent on my XX/XX/XXXX payment, even though that payment was made back on XX/XX/XXXX. Now, I actually do have an upcoming XXXX payment but I can't make the payment because they will apply it to XXXX ( even though that payment was made in XXXX ). 


Please see the attached " XXXXXXXX XXXX XXXX  '' file that shows the payments made to XXXX XXXX  Please also see the attached " freedom_mortgage_XXXX XXXX  I have been in contact with Freedom Mortgage since XX/XX/XXXX trying to get this issue resolved and they wont apply my payments to my loan even though I have provided all the documentation from XXXX XXXX. I even sent them my personal bank statements to see the money coming out of my XXXX account. I don't know who to turn to anymore because they are saying that my {$4200.00} went into someone else 's account, and they wont correct their error. I will be reaching out to XXXX XXXX  later today to see if they can help. Please someone help me get the payments that I made back in XXXX applied to my loan. They are trying to make my account delinquent because of an accounting error on Freedom Mortgage 's end.
Consumer complaint received 2024-08-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

Delete this account since you can't demonstrate that it belongs to me, despite the fact that you're reporting it without any supporting evidence. Please give proof that my rights have not been violated and that this account should be shown on my credit record. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (KS)

In XX/XX/XXXX, I terminated a lease with XXXX XXXX XXXX XXXX XXXX as part of a permanent XXXX XXXX XXXX  move with the XXXX XXXX. The property management company claimed that there was carpet damage over the amount of the deposit, reporting an additional {$1300.00}. I requested a line-item of the additional charges. When providing the line-item, the property management company ( XXXX XXXX XXXX XXXX XXXX ) identified that the amount was in error, and reduced the amount to {$710.00}. At some point, XXXX XXXX XXXX XXXX XXXX sent the outstanding debt to collections agency Hunter-Warfield in the amount of {$1300.00}. Hunter-Warfield ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX sent the first invoice on or about XXXX XXXX XXXX. I responded with information of the adjusted rate, as well as it was under dispute with the rental company on XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, responded on that same day, XXXX XXXX XXXX, stating that a validation of debt would be requested and a copy sent to me. This was never done. XXXX XXXX XXXX  claimed that they considered the matter closed since it was at collections now. Subsequent communications asked for the erroneous amount ( {$1300.00} ), or during the Holidays a " 20 % reduction rate '', to which I informed Hunter-Warfield I would only pay the corrected amount, and would not pay until they had formally reduced it as the amount owed in the statement. ON XXXX XX/XX/XXXX, I asked Hunter-Warfield for a status, and resent the same information regarding the reduction of the amount to {$710.00}. They stated that they would open an investigation into the matter. ON XXXX XX/XX/XXXX, I called their customer service line, requesting an update, to which they stated they were still investigating. I inquired about the original request ( validation of debt ) from XXXX, and they claimed to have no record of it, despite the email I received from XXXX XXXX.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (NC)

ALL these addresses are incorrect and never belonged to me. 
XXXX XXXX XXXX XXXX, DE XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, DE XXXX, XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, DE, XXXX XXXX XXXX XXXX XXXX XXXX DE, XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX, XXXX XXXX XXXX XXXX XXXX, DE XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, DE XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, DE XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/XXXX of 2024, I saw an advertisement about Wells Fargo having data breaches and that we should check our account. I checked my account and noticed XXXX transactions from somewhere in Pennsylvania with XXXX withdrawals in a XXXX day period. 

I disputed said transactions, and followed the prompts which asked if I recognized the transactions, and then file a claim. They don't ask additional information. I figured once they looked at the transactions, and looked at the history of the account as per the regulatory know your customer process, it would be easily identified as fraudulent. 

I checked the claim today, since I still hadn't heard anything back, and saw that it was closed, however, there were no notes or anything on the account nor any messages or comments sent to me regarding the claim so I called to speak with an agent of Wells Fargo. I was transferred to the claim department from the checking banker and spoke with XXXX who researched the notes and said it as closed as there did not seem to be any fraudulent activity. I asked what this was based on and he was unsure. The investigator did not leave additional notes and it was just closed. 

I told them I needed to escalate it because it's clearly fraud and I wasn't sure how they could determine it wasn't. I live in XXXX and I do most of my banking from XXXX locations. XXXX in XXXX at their XXXX XXXX XXXX, close to my place of work, and a few on XXXX XXXX, which is the closest branch to me near my home. In addition, if they look at my history of banking they would see I only use Wells Fargo banks for withdrawals, and they're normally done by a teller. They would also see that I don't make multiple withdrawals in a XXXX day period in various amounts. 

These are standard procedures for any bank 's XXXX process and all of these transactions should've raised a red flag and had me alerted about them to confirm they were in fact, my transactions. None of this was followed. Somehow, this was determined to NOT be fraudulent despite all of the glaring discrepancies for how I usually bank with this institution. 

I asked the claims agent to escalate the issue, and asked them for the reference number. They also gave me the executive office number to follow up with them. I called them and gave them the reference number ( XXXX ) and they said it was a service escalation and not a fraud escalation and I needed to call the claim team back, and tell them to put in the correct escalation. Me, the consumer, not them. Then they transferred me back to claims and I was on hold for XXXX minutes trying to get someone to fix this issue. 

After explaining what occurred, they asked me why I didn't notify them of this previously. I explained that I rarely go online and transact all of my business at the branch in person. In addition, upon each transaction that I've done with a teller, I receive a confirmation alert to confirm it is me through my Wells Fargo app and I did not receive those either for these transactions.
Consumer complaint received 2024-08-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

I fell victim to an on-line scam. My computer was co-opted and I had XXXX address acting as me. I contacted XXXX and they confirmed and told me to check my bank account. I did and saw a withdrawal that was pending that I did not authorize. When I called what I believe was the Chase Customer Service line they convinced me they were Chase Representatives. Then then proceed to convince me to fall into the most obvious fraud and go to Chase Bank and send a wire transfer of {$7000.00} to the following XXXX XXXX  and XXXX Account # XXXX, routing XXXX. Address XXXX XXXX XXXX, XXXX XXXX, XXXX, Tn XXXX. Beneficiary address XXXX XXXX XXXX XXXX, XXXX, MI XXXX. Name of beneficiary is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX.I wire transferred {$7000.00} to this entity and then determined it was a fraud. Their contact # is XXXX. They continued to call for days, every few hours. I said I was now unavailable. I remain in contact with the real Chase and will be going to the bank office to see how to protect my account going forward.
Consumer complaint received 2024-08-23
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (TN)

I recently found that CitiBank enrolled me in a debt protection program without my knowledge and I have been paying it for several months. We are talking about close to {$1000.00}. I am in the process of contacting them, but why are they able to enroll me in a program without my knowledge? Will i be out all this money or will they reimburse me for all payments.
Consumer complaint received 2024-10-21
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: Experian Information Solutions Inc. (MA)

On XX/XX/year> I received letters via XXXX from XXXX, XXXX XXXX, XXXX and XXXX XXXX regarding credit card applications which I did not submit. I believe these applications were submitted fraudulently in my name. 

Thankfully they were all rejected. 

One rejection stated as a reason : Too many recent credit inquiries are recorded on your credit report.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (GA)

The inclusion of these unauthorized inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX