davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Messerli & Kramer P.A. (NE)

This is with Messerli & Kramer my account number with them is XXXX We had a settlement agreement Case # XXXX CI XXXX in XXXX XXXX XXXX XXXX XXXX. The settlement agreement dated XX/XX/year> was for {$6800.00} paid each month with payments of {$140.00} I paid on time every month and sometimes made multiple payments on some months to stay a month or more ahead of payments. The some how made a claim that the did not receive some payments on time then used that to get a deferred judgement on a higher amount. I have paid {$7300.00} as of today. The thing is some payments that were mailed to them months ahead of time were held and not processed on their end sometimes a month or two or even longer they just sat on them during covid. Some of the payments that were sent months apart were processed only days apart. They had a hearing that I did not know about and lied saying I did not make payments when in fact I did. I have copies of every check and payment. They still say I owe over {$4000.00} when I have actually over paid.
Consumer complaint received 2024-10-29
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: I.C. System, Inc. (AL)

Under Consumer Law 605 ( b ), I am entitled to dispute these charges and request an investigation into the matter.

I kindly request that you : 1. Remove the disputed charges from my account.

2. Conduct a thorough investigation into these charges.

3. Provide me with a written statement of the outcome of your investigation.
Consumer complaint received 2024-10-31
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: ZWICKER & ASSOCIATES (TX)

During XXXX I went through financial hardship, resulting in late payments to my XXXX credit card. They gave the account to Zwickers & Associates to manage it, and a payment plan was put in place for me to pay the debt. I paid my dues having my last payment automatically withdrawn on XX/XX/year>. I have confirmed with Zwichers over the phone, at least 2 times, that in fact the account was " paid as agreed '' and that it is now " Closed ''. My first complain is with them for failing to send me the proper documentation in writing, even though I asked for it, at least twice. 
On XXXX of this year I received a " XXXX XXXX XXXX XXXX XXXX '' from XXXX XXXX XXXX, representing XXXX, claiming that I still owe {$3900.00} I talked to a XXXX XXXX representative and sent proof of my payment arrangement and last XXXX payments to XXXX. They have been investigating since then. It is basically XXXX now ( 6 months since I contacted them ), and every time I call, they have no status on my case. 
To make things even worse, in the past 3 months, XXXX has been reporting a " past due '' amount on that closed account, for the amount of {$79.00} each month. It is important to say that according to the representatives at XXXX, they are not aware of these charges, and I have not received any communication from XXXX about this charge that I can only assume is a late fee (? ), but makes no sense because the account was charge off and it's close, so there should be no new charges.
Consumer complaint received 2024-10-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (SC)

I Just have opened an savings yield account here on American Express around 3 years ago for maintain my savings there with a plus of percentage yield on this personal savings bank account and make a deposits for around XXXX for maintain there as a savings without make anything but today tried to access on my account and just not working anything, tried to change password and just appears error, called and no information about my account there and support just not offer any information about my money or my account there or how acces to my account with my credentials or something, so this bank have a unfair situation with me and my savings so I need help with this situation or attention on this because is my money there without any explanation that what happened!
Consumer complaint received 2024-10-31
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch (AZ)

After my car was repossessed and i never received a notice of sale letter to explain my deficiency balance. This was never sent to me. This is a violation of UCC Article 9. I am requesting that this be removed immediately from my XXXX credit report.
Consumer complaint received 2024-10-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC (MO)

Years ago when I returned my equipment, I confirmed multiple times in person with a XXXX associate that my account was paid in full. Some time passed, and then I was notified of a derogatory mark initially attributed to XXXX XXXX XXXX ( which it seems has since changed hands to Waypoint Resource Group ), who said that I owed XXXX a balance of ~ {$98.00}. This severely and immediately damaged my credit score. After that, I again confirmed multiple times with online XXXX support staff that I indeed do not owe the balance, and I have photos of the online correspondence to prove it. Nevertheless, it continued to impact my credit, and I have gone back and forth with disputes for the past few years with no luck. I have also seen other accounts online of former XXXX customers having this same specific problem with Waypoint Resource Group . 

I always pay my debts, this is the only black mark against me in the entirety of my credit history, I have proven that I do not owe this balance, and it does not seem to matter. This is simply unjust. While my credit score is still strong ( XXXX ) despite this single incident impacting it several times, I believe that, in principle, I should not have to pay a balance I don't owe. I hope that my submission of this report will help me restore my credit.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe ()

Hi dear sir madam, My XXXX is not accepted last time and I referred my admission from XXXX XXXXXXXX to fall XXXX but that time I don't get the XXXX appointment of that dates.I got XXXX  appointment of XXXX XX/XX/XXXX so now I have started my admission application for fall XXXX according to my XXXX appointment date.But the university is charging the fee of housing as I don't even visit the USA I have also sent mail to my university and the housing department as well but they don't even respond to that mail and now they want me to pay that money with fine through your platform as I received a mail from your department as well so that I am writing this complain.My request is just I don't even visit USA so why I have to paid that amount of money. 
Thank you,
Consumer complaint received 2024-10-31
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (FL)

I CANCELLED ACCOUNT IN XXXX OR XXXXXXXX XXXX XXXX AT ADDRESS OF SERVICE. I WAS DIRECTED MY THE COMPANY TOO SHIP PRODUCT EQUIPMENT VIA XXXX. PRODUCT EQUIPMENT WAS SHIPPEDTO AND RECIEVED BY COMPANY. BALANCE AMOUNT WAS PAID IN FULL. DEBT COLLECTORS HAS ACCOUNT AND HAS REPORTED IT ON MY CREDIT WHICH HAS TAKEN A NEGATIVE TOLL.
Consumer complaint received 2024-10-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (PA)

VALIDATION AND CEASE AND DESIST XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sr/Madame : I received a debt collection email from you and would like to know if you have the correct person? Can you supply me with a contract or agreement signed with your company or the creditor? 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 

ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 

Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 



PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this and IF YOU PASS THIS ON TO ANOTHER COLLECTOR, I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them with notice of my dispute owing this debt. 



Thank you for your immediate cooperation. 



XXXX XXXX
Consumer complaint received 2024-10-30
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: Resurgent Capital Services L.P. (WA)

Reporting of inaccurate information on credit file. Ask multiple times for validity of debt but never received requested information. Company also reports negatively on credit file with no legitimate authority to do so. This is my formal complaint to company.
Consumer complaint received 2024-10-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (TX)

Good afternoon, as of XX/XX/24, when I first recieved a call, I have since received numerous harassing calls from a debt company by the name of CAPIO PARTNERS LLC, most of which were assumed robocalls, upon my own records and follow ups with my providers and facilities I've utilized, bank statements, and credit reports, I've found that I owe no debt, nor have any outstanding balances sent to any collections, I've even checked with my credit bureaus and have found nothing and have recieved no letters as I would have if I had any debt accumulated, some of their calls included illegally spoofing their own caller ID to display false information, to which some of the calls I have recieved are not registering with my call log, I would furthermore, I would like for this company to cease and desist all contact with me as I have no business with them nor do they with me. I have paid all my debts and checked in with my provider to assure that fact. I also believe any information this company has on me is due to the widespread data breach in which my phone number has been alerted to have been leaked.
Consumer complaint received 2024-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (TX)

On XXXX, someone hacked into my CashApp account and stole {$1500.00}. They withdrew {$700.00} from an ATM at XXXX in the afternoon, and then almost an hour later, at XXXX they spent {$820.00} at XXXX. I have no clue how they did this, my card was kept locked and I only have one card. I immediately disputed these transactions with CashApp once I saw the notifications of the charges and they have denied my claims. Thankfully when I saw the charges being made, I immediately withdrew the rest of my money into my other bank account because the thief had the audacity to attempt an {$850.00} charge at XXXX again at XXXX which got declined. Had I not moved the rest of my money they would have gotten that too. Im not sure of what next steps I need to take to pursue this further but {$1500.00} is a lot of money and I need it back. Please note that all of this was happening while my card was locked. I had no clue as to what else I could do to keep them from draining my account, and CashApp has been of no help whatsoever.
Consumer complaint received 2020-01-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (FL)

Citibank was running a promotion for their various Savings accounts, where a new account would receive a {$400.00} bonus after depositing {$15000.00} in a new account within 15 days of account creation, and maintaining that balance for 60 days. 

I signed up for the account using a direct link on their website on XX/XX/19, deposited {$15000.00} on XX/XX/19, within their 15 day day window, and account has remained above the minimum {$15000.00} balance for the past 90 days. 

I've spoken with Customer Service, and they are having " internal difficulties '' finding the registration code on my account, even though I spoke to a representative a week after funding my account and they noted that all requirements had been completed, but would have to wait the stated 60 days before receiving the bonus.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (NC)

To Whom It May Concern, This letter is a formal request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 
1692g, for validation and verification of the debt referenced above. I hereby demand that you immediately cease all collection activities until you provide me with proper validation of this debt. I dispute this debt in full and require the following information within 30 days : 1. 2. The original signed agreement or contract that legally binds me to this debt.

A detailed breakdown of the amount claimed, including principal, interest, fees, and any other charges. 
3. Copies of all account statements from the original creditor proving the balance you claim I owe.

4. A full accounting of all payments made, including dates, amounts, and how those payments were applied. 
5. 6. 7. 8. The name and contact information of the original creditor.

Proof that the debt is still within the statute of limitations.

Proof that you are licensed to collect debt in my state.

A copy of the assignment or transfer of debt from the original creditor, with proof of the chain of custody if this debt was sold. 
9. The date of the original debt and when it became delinquent.

10. Proof that this debt has not been discharged in bankruptcy.

11. The original creditor 's explanation of why this debt is owed.

12. A copy of the last bill sent by the original creditor showing the exact amount.

13. Documentation verifying that I am the correct person responsible for this debt.

14. Proof that you or your company is legally authorized to collect this debt in my state.

15. A complete history of the debt from its origination to the present day, including any additional charges and adjustments. 
If you are unable to provide these items, this will be considered a failure to validate the debt, and I expect you to cease all collection activities and remove any negative information from my credit report immediately. Failure to comply with this request will result in a formal complaint to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). 
Additionally, I reserve the right to pursue legal action for any further harassment or violation of my rights. 
I look forward to receiving your prompt response within the required 30 days. Please be advised that failure to validate this debt in full will result in my demand for its immediate removal from my credit report and cessation of all collection efforts.
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SOFI TECHNOLOGIES, INC. (KS)

I have repeatedly been turned done for banking services by this specific company without any details. Initially I was led to believe it was an issue with a duplicate account, including in a response to previous CFPB complaint, however after that was resolved there is still an issue the bank refuses to communicate.
Consumer complaint received 2024-10-30
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (GA)

I C SYSTEM has placed a collection on my credit profile with out my knowledge i called the company in the matter a they told me to file a identify thief report. i have sent them a debt validation and got no response. this collection has hurt my family from getting funding for our first home. please correct this matter ASAP. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; NOTICE TO PRINCIPAL IS NOTICE TO AGENT As you have failed to provide the aforementioned documentation to validate your claim, I hereby give you 15 days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. 

Failure to address these concerns or engage in good-faith negotiations may result in legal action to protect my rights and interests as a consumer.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (NC)

These agencies are not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( 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. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified.
Consumer complaint received 2024-10-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (UT)

I used Cash App for a period of time in the past few years and I believe that my data was breached. However, Cash App did not send me information about the data breach and how to get compensation for it. 

I have been unable to find my user info etc. and Cash App did not provide me with that information
Consumer complaint received 2020-01-02
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. (TX)

I'm asking for your help with the dispute of two same fraud collections I have on my credit report. Recently I got a letter from XXXX XXXX XXXX that I have a collection amount of {$890.00} which the original owner from XXXX XXXX XXXX - Equipment. I research online when I got this letter that many people got the same amount, so I thought this is a fraud. A few weeks ago, I got a letter to ignore this and the last time I have a business was in XX/XX/XXXX, which I use my XXXX tax id to open the credit card processing. Since I thought this was all clear/mistake, so I throw away that letter. On the day of XXXX, I got an email alert from Experian that I have 2 collections from the XXXX XXXX XXXX. I contacted Experian on XX/XX/XXXX, which I have to wait for an hour before I can put a dispute. When spoken to them, it seems they don't take down any note from my explanation to do their investigation. I try to tell them there is no way I have the same 2 collections at the same time. On XX/XX/XXXX, I got an email said the dispute investigation is complete. I try to get online to read the report, but couldn't find any detail. I would expect they would take time to investigate this matter since they use my personal information for their monetary benefit. 
I have contacted the third party that sold me the service, and they said all of my accounts are clear. I have to contact Experian again to see what happen, but I don't have time to be waiting on hold for an hour. I'm a XXXX veteran and I don't have this kind of energy to with hours of my time to fix an error that is not my end.
Consumer complaint received 2024-10-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Indie Technology DBA Found (MI)

On XX/XX/2024 XXXX XXXXXXXX I went to XXXX  for a XXXX XXXX 

On XX/XX/2XXXX XXXX XXXXXXXX I was released. 

During that span, my ex girlfriend had my phone and proceeded to make unauthorized transactions totaling {$2200.00} using my XXXX XXXX and XXXX XXXX. 

I disputed these transactions and I presented proof that I was incarcerated during the time the transactions were made. I informed them Im pressing criminal charges on the person responsible. 

Found, XXXX denied my disputes. 

I believe they violated my rights under the electronic funds transfer act.
Consumer complaint received 2024-11-06
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (SC)

I sent a certified letter to the company XX/XX/year> requesting that they validate the debt with a signed purchase agreement and proof of ownership. They sent me back a bill ignoring my request. I spoke with two ppl on XXXX that told me they do not have to provide this information and that they are contracted to collect the debt from XXXX. I asked both ppl to cease collection activities and reporting to my credit unless they are able to validate the debt and the refused and got belligerent. I would like them to stop trying to collect if they cant provide proper documentation and stop reporting to my credit