davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (TN)

I don't recall having a contractual relationship with this collection company First Credit Services. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. 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 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: The CBE Group, Inc. (TX)

Collection Agency : XXXX XXXX XXXX XXXX : XXXX  aka XXXX XXXX  Amount of Debt : {$160.00} I have made several attempts over the past XXXX years for XXXX XXXX XXXX to verify proof that I used the services provided by XXXX. I have sent countless formal requests via certified mail asking for XXXX XXXX XXXX to provide me with the original purchase agreement of this alleged debt by proof that I used the service by providing me with XXXX ( XXXX ) months of billing statements showing I used the services, all to no avail. I have requested this information via certified mail for XXXX years and I still do not have the information I have requested. Per the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must respond to a request for any and all documentation of the alleged debt and If they don't, they're in violation of the act. If they can not provide the original purchase agreement of this alleged debt between myself and XXXX, they must delete this entry on all of my credit reports with XXXX, XXXX and XXXX. 

Collection Agency : The CBE Group Creditor : XXXX aka XXXX XXXX  Amount of Debt : {$160.00} This debt listed with The CBE Group is a duplicate entry for the same debt XXXX XXXX XXXX lists on all my credit reports. I have made several attempts over the past few months for The CBE Group to verify proof that I used the services provided by XXXX I have sent countless formal requests via certified mail asking for The CBE Group to provide me with the original purchase agreement of this alleged debt by proof that I used the service by providing me with XXXX ( XXXX ) months of billing statements showing I used the services, all to no avail. I have requested this information via certified mail for XXXX years and I still do not have the information I have requested. Per the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must respond to a request for any and all documentation of the alleged debt and If they don't, they're in violation of the act. If they can not provide the original purchase agreement of this alleged debt between myself and XXXX, they must delete this entry on all of my credit reports with XXXX, XXXX and XXXX.
Consumer complaint received 2024-01-31
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY (VA)

On XX/XX/year>, I went to my local XXXX and purchased an American Express Prepaid Gift card and put XXXX dollars on the card. After purchasing, I immediately attempted to claim the gift card and link it to my paypal account. Unfortunately this did not work and I was given the message " the card has declined. contact card issuer ''. After attempting to use XXXX, XXXX, and XXXX with the card, all online stores did not accept the card and it declined. I then contacted support and was told that it can not be used for XXXX however this did not explain why it would not work on XXXX or XXXX. As of now, I have a useless card with XXXX XXXX dollars on it that can not be used to make any payments.
Consumer complaint received 2024-05-28
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)

To Whom It May Concern : This letter is in response to your recent claim XXXX  XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX Account Number XXXX has verified that the account they are reporting under my name is accurate. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is now requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete representing a grave error in your report.

allowing letter
Consumer complaint received 2024-05-21
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: CARD Corporation (MA)

My debit card from card.com was used by somebody else in XXXX Tennessee I have been contacting the company almost everyday on the phone. I still can't reach their investigation team or been able to speak with a manager. I have sent countless emails to their support team asking for support or an explanation and have not received one.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

This complaint to USAA SAVINGS BANK for allowing inaccurate information and fraudulent account on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent account still reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Consumer complaint received 2024-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC (TN)

I currently have a mortgage with Newrez. Prior to that it was XXXX XXXX XXXX. I recently noticed there was an additional {$20.00} charge on my paper statement. I initially assumed it was escrow adjustment, but when I called, I was informed it was a non sufficient fund ( NSF ) charge. I looked back through my statements. Sure enough my payment went through on XXXX, XXXX. They then attempted to draft my account on XXXX XXXXXXXX XXXX, in which I had insufficient funds, because they had just taken my payment the day before. I received multiple excuses, such as XXXX had the account XX/XX/year> and then Newrez took over the account XX/XX/year>. I'd like to point out my bank statement and the NSF letter I got from my bank showed Caliber home loans. I attempted to reach out to XXXX, but low and behold, the number connects me to Newrez. Or that sometimes it takes multiple attempts to go through. All excuses, no proof. I sent a statement, along with my banking documents to Newrez via USPS. Along with filing a complaint with XXXX.
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (AZ)

I have asked American Express to extend Military Lending Act protections to my credit card account on multiple occasions ; first request was in XX/XX/XXXX and this was denied XXXX XX/XX/XXXX. Another request was made after uploading a copy of my proof of service/eligibility from Defense Manpower Data Center , this request was denied XXXX XX/XX/XXXX. Both times American Express stated that I was ineligible for these protections which is blatantly false ; I started this account on XXXX XX/XX/XXXX after commissioning ( entering XXXXXXXX XXXX XXXX ) on XXXX XX/XX/XXXX. I have also had several phone calls with the company in XX/XX/XXXX and XX/XX/XXXX trying to discuss the issue with customer service representatives who were almost entirely unaware of the Military Lending Act or Servicemembers Civil Relief Act, eligibility for them, and the protections they provide.
Consumer complaint received 2020-12-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: CURO Intermediate Holdings (AK)

I got a XXXX loan from speedy cash back in the end of XXXX or very beginning of XXXX. I owe them XXXX. The problem is they changed the date and made it so its current and looks like I just took it out saying it happened this month of this year. That information is obviously incorrect and needs to be corrected and from what i understand they cant change the date like that to keep it looking current. I have three things on each credit report snd this is on all of them and needs to be taken off. Thank you
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (AL)

I hope you are doing well as I write this. I'm writing to alert you to a troubling issue about the reporting of late payments on my XXXX account with the first four  digits XXXX. I believe that my rights as a consumer, as protected under federal law, specifically 15 U.S.C 1666b, have been violated due to not adopting reasonable procedures by not notifying me 21 days before the payment due date outside of the billing statement. 

I have been a loyal customer of your company for two years, and I have always strived to maintain a good credit history. Additionally, you failed to provide me with the correct notice required by 15 U.S.C. 1681s-2 ( 7 ) for the provision of written negative information to me as a consumer. In accordance with 15 U.S.C. 6802 ( b ), I was never given the chance to choose whether or not my information or account will be provided to outside parties ( all credit agencies ). I asked that you update this late payment that was XX/XX/XXXX that was opened on XX/XX/XXXX to an on-time payment. 
This late payment has been adverse to me as a consumer who always pays on time. I trust that you will handle this matter with the urgency and professionalism it deserves. Please provide a written response within 30 days of receiving this letter. I appreciate your quick attention to this issue and eagerly await your reply. I appreciate your prompt attention to this important issue. 
XXXX
Consumer complaint received 2024-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Property Receivables, Corp (CA)

I am not aware of what this debt is, how it was generated/incurred, and what steps were taken to notify me of this debt prior to filing a collection against my credit file. 

I have not received any emails, letters, or phone calls from this company.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (CA)

Remove and delete these unauthorized inquires 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 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 2024-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (SC)

I don't recall having a contractual relationship with this collection company LVNV FUNDING LLC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( XXXX ) Debt XXXX are legally obligated to adhere to 15 U.S. Code 1692e ( XXXX ), 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 2024-01-31
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (MD)

I was scammed by a text message from XXXX which included my address, credit card number and date of birth. I checked my credit report to see if any false charges were filed. There were none but I saw an account that went to collections that I had no idea existed.

The collection company was Sunrise Credit Service for XXXX XXXX from XX/XX/year> for {$2500.00}. As I am undergoing a mortgage approval I settled the account for {$2100.00} with Sunrise. I had not known this account from XXXX XXXX existed.
Consumer complaint received 2024-01-31
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (OR)

I have tried using my AmEx gift card at multiple stores without success, i.e. XXXX, XXXX, etc. All sites have said there is a problem with the card, but when I check my balance, the money is all there. 

When contacting AmEx they said its for my protection. They declined it at XXXX and another online retailer for fraud protection. I am supposed to try other shops they said. Basically just keep trying until it works at XXXX of them! That was their solution. 

I am very frustrated by this as it feels very deceptive of AmEx to advertise saying that you can use these cards anywhere that takes AmEx yet thus far, I am unable to use these funds anywhere!
Consumer complaint received 2024-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (VA)

I am writing to file a formal complaint regarding a collection account labeled XXXX XXXX XXXX XXXX XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my XXXX XXXX and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my XXXX XXXX. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2024-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (VA)

I am writing to file a formal complaint regarding a collection account labeled ONLINE INFORMATION SERVI Account # XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (IL)

accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality, under 15 USC 1681. 
Account name : XXXX XXXX ACCOUNT # XXXX, Account name : XXXX XXXX ACCOUNT # XXXX, Account name : DISCOVER BANK ACCOUNT # XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2024-01-31
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (LA)

XXXX I had a checking account with Chase Bank. The balance of {$8.00} was supposedly negative that I paid prior to a collections. JP Morgan Chase, XXXX XXXX branch still reported me to a XXXX XXXX credit bureau and when addressed in person, they assured me this would be immediately corrected. I still can not open a bank account and want all negatives removed from their erroneous actions immediately.
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MO)

Some person wrote a fraudulent check on my checking account and the bank cashed it then called me to tell me they cashed it.Sounds funny to me why didn't they call me to ask if I had signed a blank check.The check is a computer generated check it has my account number and a signature that closely resembles my signature but not exact.My XXXX  is different and the XXXX in my middle name of XXXX isn't leaned forward like I do mine and the XXXX  at the end of my last name is an open XXXX and I sign with a closed XXXXThe amount is a large amount.I asked the woman at the bank to restore the money and she essentially gave me a run around.I don't know how in the world a person got my account number but I want to see if I can get my money back but don't know where to start.Someone said to contact you all and see what you say to do.ANy advice will be appreciated.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my 6th request that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX {$1900.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX Balance : {$2900.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$3800.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance : {$960.00}, XXXX XX/XX/XXXX
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (IN)

Federal Student Loans : Defaulted through XXXX Entered into Fresh Start : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Tradelines are still being reported on XXXX and XXXX with adverse actions : 180 days late x 10 x 20 = hundreds of new adverse marks re-inserted. 

Per the contract attached with Fresh Start, this adverse information was to be entirely deleted per Department of Education. 

My XXXXXXXX XXXX occurred on XX/XX/XXXX. I was not in default when the loans from Fresh Start were sent to Nelnet for discharge. 

My credit has been defamed, and I demand that these tradelines be erased and am requesting compensatory damages. 

XXXX and XXXX shall be instructed to remove the adverse tradelines per attached agreement with Fresh Start XXXX.
Consumer complaint received 2024-01-31
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC (OH)

I have been receiving phone calls for about a year on and off from different phone numbers first asking for XXXX XXXX ( ex-husband almost 20+ yrs ). After I told them that he is a ex-husband they stopped calling. Beginning this year XXXX the phone calls have started back. Now they are asking for me XXXX XXXX ( XXXX ). The phone numbers are coming from : XXXX XXXX XXXX. They have contacted my husband and my XXXXXXXX XXXX mother asking for me today XX/XX/XXXX. They left a message with my mother for me to call them. His name is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX phone : XXXX Ref # XXXX. He told me the debt is with CheckSmart a payday loan and they are a third party trying to collect this debt and threaten to serve me documents to take me to court. I told him that I have never had a payday loan with CheckSmart. I called CheckSmart 's Corporate Number XXXX XXXX. They checked their records with my D.O.B and last 4 of my SS # and they couldn't find me in their system. Their records go back 32 years. They forwarded my call to their fraud department to see if they had anything different. Again, she ran my info and said they had nothing in the system that I owed them anything. 

XXXX XXXX XXXX XXXX XXXX XXXX