davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NE)

I am writing to formally dispute a debt claim made by CREDENCE RECOURSE MANAGEMENT regarding an account with the original creditor XXXX, in the amount of {$600.00}. I believe this debt claim is erroneous and have not been provided with proof of the alleged debt. Under the doctrine of estoppel by silence, as established in Engelhardt v. Gravens ( Mo ) 281 SW 715,719, I am presuming that no proof of the alleged debt exists, and therefore, the debt itself does not exist. Despite my requests, CREDENCE RECOURSE MANAGEMENT has not supplied sufficient documentation or evidence to substantiate the debt. As such, I am requesting that this matter be investigated and that appropriate actions be taken to ensure that my rights are protected under the Fair Debt Collection Practices Act ( FDCPA ). 
Despite their claim, CREDENCE RECOURSE MANAGEMENT has not fulfilled the requirements to substantiate the alleged debt. Specifically : 1. Lack of Original Contract or Agreement : CREDENCE RECOURSE MANAGEMENT has not provided a copy of the original contract or agreement that I allegedly signed, which would demonstrate my legal obligation to repay the debt. 2. Insufficient Account History : The documentation provided does not include a detailed account history that shows the transactions, charges, fees, and payments applied to the alleged debt. A full itemization is necessary to verify the validity and amount of the debt. 3. Failure to Provide Proof of Assignment : If CREDENCE RECOURSE MANAGEMENT is not the original creditor, they have not provided evidence of a legitimate assignment or transfer of the debt that establishes their legal right to collect it. This includes any documentation that demonstrates a proper chain of title from the original creditor to CREDENCE RECOURSE MANAGEMENT.
Consumer complaint received 2024-08-29
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Omni Financial Corp. (FL)

XXXXXXXX  Southeast Toyota Finance ( SETF ) was paid twice in the last 15 days by me, but refuses to show my payment history on its website and has NOT updated my amount owed, by showing the last two payments on its website. 

This matter concerns my lease of a XXXX  XXXX ( XXXX, XXXX ). 

Payments : XXXX of XXXX Acct # XXXX VIN : XXXX I want to make a payment for {$650.00} today ( normal monthly payment today ), but can not because SETF is trying to force a {$1300.00} payment from me. I also can not see my payment history on the SETF website. Thirdly, I already made payments of {$650.00} on XXXX and XXXX XXXX to SETF, but I see no deduction in my money owed to SETF on its website. 

Because SETF is not reducing my money owed to them after I make payments on its website, I am concerned about CONSUMER FRAUD and am filing a complaint with the XXXX XXXX XXXX to ensure SETF updates their financial records before forcing me to make double and triple payments above and beyond what I am required to pay. 

I am a poorly paid school teacher living on a small salary. 

I am asking SETF to update its financial records on my account on its website AND remove all late fees to reflect my last 2 payments made, reduce the amount owed by me on its website and after having done so, I will make the 3rd payment as promised to bring the balance owed to XXXX ( XXXX ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
Consumer complaint received 2024-08-29
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: Kimball, Tirey & St. John LLP (CA)

Account Name : XXXX XXXX XXXX Account Number : XXXX I sent an inital complaint dated XX/XX/year> with the inaccuracies that are being reported differently across XXXX and XXXX . They ( XXXX XXXX XXXX ) received that letter with certified returned receipt on XX/XX/year>. Their response was a " canned '' response that all is well and they are reporting out accurately. A second letter was sent today ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.

This debt collector has no contract with me. I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 1681.

I am putting you on notice that I the consumer refuse to pay this debt under the fdcpa : ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except **Violation of FDCPA : ** The notice fails to provide verification of the debt as required by 15 U.S.C . 1692g. I have not received any validation or verification of this debt despite previous requests.

**Misleading or Deceptive Practices : ** The language used in the collection notice could be perceived as misleading or deceptive under 15 U.S.C. 1692e. It does not clearly state my rights to dispute the debt or request verification.

Under the FDCPA, I am entitled to verification of this debt and to dispute its validity. Therefore, I request that you provide me with the following information promptly : - Verification of the debt, including proof of the amount owed and the original creditor.

- Documentation showing that your agency is authorized to collect this debt.

Please note that until proper verification is provided, I dispute the validity of this debt and request that you cease all collection activities, as required by 15 U.S.C. 1692g ( b ). Any further collection efforts without providing the requested verification will be considered a violation of the FDCPA.

Please respond to this dispute within 30 days from the date of this letter. Your failure to comply with the FDCPA may result in legal action being pursued against your agency.
Consumer complaint received 2024-08-29
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

The Original Debt. was settled and Closed with a Zero Balance with XXXX 's however, After settlement the settled Debt. was sold as if never PAID to Portfolio Recovery in the Amount of {$680.00} and I been Disputing it because it was Closed & Settled with XXXX 's. 
However, I do not have the File number but the Dispute with XXXX XXXX on XX/XX/year>2024 was NOT completed until early XXXX VIOLATED the Consumer 's Fair Credit Act rights as required by the act to reply within XXXX  Days. 
In light of this Violation I think the Company should PAY the Violation FEE of {$1000.00} and Remove the Collection from My Credit report which by the XXXX XXXX Texas XXXX of DEBT Limitation Law of XXXX  Years has expired making it a Non Valid DEBT. in fact BOTH of My Portfolio Recovery Debts are beyond the Statute of Limitations and should be removed from My Credit Report. 
I Do Not appreciate the fact that the Notes say : Account information disputed by consumer, meets FCRA requirements when in reality how does it meet FCRA requirements when it was an active unresolved Dispute from XXXX to XXXX that is in fact a Direct Violation of My rights under the FCRA Law.
Consumer complaint received 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I looked at my Citibank Double Cash card on XX/XX/ 2024, and I found a long list of unauthorized charges beginning on XX/XX/XXXX, total up to between {$1000.00} - {$1600.00}. I logged into my Citibank app and reported my card lost/stolen immediately, and flagged all the fraudulent charges to Citibank. Because some of the charges were still pending and did not have a dispute charge button for me to click on, I called into Citibanks fraud department on Tuesday, XX/XX/XXXX at XXXX PST and spoke to a fraud specialist to ensure that all unauthorized charges would be marked as fraudulent. As I was waiting for their decision, Citibanks fraud department called me back and asked me a series of questions again about my charges ( I do not remember the date of this call ). The fraud specialist ensured that I would not be liable for any of charges during the investigation period. Today, XX/XX/2024 at XXXX PST, I checked for an update on my fraud charges, only to see that Citibank decided that I would be liable for almost every single unauthorized charge ( a few more charges are still under investigation ). I called XXXX to protest this decision, but the fraud specialist said that the appeals department opens at XXXX PST, and I would need to call back then. 

I am beyond upset with Citibanks decision because I do not think they did a proper investigation of these fraudulent charges on my credit card. I lost my physical card in XXXX XXXXXXXX XXXX on XX/XX/2024. When I click on the fraudulent transactions within the app, almost all transactions were purchased in-store in XXXX XXXX XXXX between XX/XX/XXXX - XX/XX/2024. This is impossible because I was physically in XXXX XXXX from XX/XX/XXXX - XX/XX/2024, and in XXXX XXXX XXXX from XXXX XXXX, 2024 - XX/XX/2024. In addition, I made an in-store purchase in XXXXXXXX XXXX XXXX on XX/XX/XXXX, so the charges that I marked as fraudulent on my Citibank Double Cash Card are 100 % NOT made by me.
Consumer complaint received 2024-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Brown and Joseph, Ltd (UT)

I'm now dealing with brown and Joseph they are flat out ignoring me. Won't return my calls or emails. And claim I'm ignoring them. I can prove ive reached out. They are trying to force it into court. They are the 3rd or 4th agency I've delt with on the matter. Non of the others or them have been able to send me proof this debt is mine. So kinda don't think it is. Or they would have just sent proof instead of playing XXXX games attached is just one of the emails I sent. i also sent emails to XXXX which took a couple tries to get the spelling correct I also mailed in responses. and called and left messages. so I find it hard to believe that they didnt get any of my responses
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

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 15 USC 1681. 

Account XXXX : XXXX Account XXXX : XXXX and list of Inquiries. 

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 2024-08-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: TRUIST FINANCIAL CORPORATION (NC)

I was recently a victim of scaming and my bank ( truist ) would not refund me the money. This happened on Wednesday XX/XX/XXXX. I applied for a bank fraud dispute to refund the money to my account but was rejected despite losing my money to scammed.
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC (FL)

JEFFERSON CAPITAL SYST, Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$1000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX. 
This account does not belong to me, I have never been a client of theirs, I have never had a contract or negotiation with XXXX or Jeferson Syst. 
This is a fraud, someone has the same name as me and they are reporting this to my credit, can you help me eliminate it.
Consumer complaint received 2024-08-29
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: EQUIFAX, INC. (TX)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IL)

{$1000.00} {$980.00} {$980.00} {$600.00} on XXXX of XX/XX/year> I reached out to cashapp an they only told me dates an I checked my activity with them an I didn't see any reverse transaction between cashapp an XXXX an they wouldn't answer any of my requests for proof of the reverse
Consumer complaint received 2024-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (CA)

My name is XXXX XXXX and I am writing to formally complain about the unacceptable treatment I have received from Gemini. I am over XXXX XXXX XXXX, and the funds that I deposited into my Gemini account is crucial to me. I opened my account on XX/XX/year>, using the authenticated Gemini app downloaded from the App Store on my XXXX. My email address was used as my username, and I created an authenticated passcode through my XXXX. 

Since then, I have made several attempts to access my account in order to purchase cryptocurrency. Unfortunately, these attempts have been met with failure, and despite following all necessary steps, including providing a picture of myself holding a piece of paper with my name on it and submitting a photo ID, I have been unable to regain access to my account. 

To make matters worse, I have not received a single communication from Geminionly one way misleading time consuming emails, no text messages, nothing. This complete lack of customer support and transparency is unacceptable. I did everything you asked, yet I am still locked out of my account and unable to access my own money. This was my final message to Gemini Let me be absolutely clear : I do not want this account anymore. I demand that you return my funds to the bank account from which it was originally deposited. If this issue is not resolved immediately, I will have no choice but to escalate this complaint further. 

I am copying the following authorities on this email, who I believe should be made aware of Geminis actions : Securities and Exchange Commission ( SEC ) New York State Department of Financial Services ( NYDFS ) Your refusal to respond or resolve this matter has forced me to take this step. I expect a prompt and satisfactory resolution, or I will pursue every available avenue to ensure that justice is served. 

Return my funds immediately. 

Sincerely, XXXX XXXX XXXX phone, ( XXXX ) XXXX My Account Username XXXX XXXX
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF HAWAII CORPORATION (FL)

A couple of days ago I received an email saying that the online banking and the app will be updated and I was ready to use the new platform. 
I accessed with my credentials, I approved the new terms and conditions but since that date I cant access to my account and also cant access to the app. 
Please check what is going on with my profile.
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC. (CA)

The Bank froze my account, they said I violated the agreement, which I did not, I request to close the account and send me my money back. They said I m not intitle to the fund, they could not give me a reason, they want to take the money without any reason.
Consumer complaint received 2024-08-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Better Mortgage, Inc. (TX)

On XX/XX/2024, I received a loan estimate from Better.com for a mortgage on my property. Before receiving this estimate, I was repeatedly assured by the company 's representative, XXXX, that all costs except for Prepaids ( F ) and Initial Escrow Payment ( G ) would be covered by lender credits. Based on this information, I decided to lock in the mortgage rate with them. 

However, upon reviewing the loan estimate today, I found that additional costs were included that were supposed to be covered by the lender credits, contrary to what was promised. This has caused unexpected financial concerns, as I was explicitly told that these costs would not apply. 

Immediately after reviewing the estimate, I made multiple attempts to contact XXXX via phone and text messages throughout the day to clarify this discrepancy, but I have received no response. I also reached out to Better.com to escalate the issue, but I have not yet received any communication or resolution from the company. 

Due to this misleading information and lack of response, I feel I have been misled about the true costs associated with this mortgage. I have requested that Better.com either adjust the loan terms to reflect the promised lender credits or cancel the loan process altogether with a full refund of my {$550.00} fee. Additionally, I seek compensation for the hard credit inquiry on my account and the time wasted due to this issue. 

As of now, Better.com has not taken any steps to address or resolve my concerns.
Consumer complaint received 2024-08-28
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: E MORTGAGE MANAGEMENT, LLC (IL)

I was denied the day before closing on a house due to the ignorance of the loan agent causing me to no out over {$1500.00} in fees and the seller to be left hanging after packing and start this move to a new property
Consumer complaint received 2024-08-29
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: CORELOGIC INC (AL)

The following inquiries are on my XXXX credit report, and were not authorized by me. 
XXXX XXXX XXXX XXXX Corelogic credco LLC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-28
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: CREDIT ACCEPTANCE CORPORATION (AL)

XXXX Someone tried to open a credit acc without my permission XXXX Someone tried to open a credit acc without my permission XXXX XXXX XXXX  Someone tried to open about 5 loans without my permission XXXX XXXX Someone tried to open about 5 loans without my permission XXXX XXXX XXXX Someone tried to open about 5 loans without my permission Credit acceptance Someone tried to open about XXXX loans without my permission XXXX XXXX I have more then one inquiry from them XXXX XXXX XXXX Someone tried to open about 5 loans without my permission XXXX XXXX me I was told about XXXX lies on a car I was trying to purchase they said I could get the car with XXXX k down but then said I had to put XXXX XXXX down which is misleading and fraud Some of these car loans places wouldnt approve me without a co signer. After they said I could get XXXX and be approved they lied about that cause I still didnt get approved for the loan at all once I acquired the co signer My bank which is XXXXXXXX XXXX  lied said I couldnt get a loan but I talked to someone and they said they didnt have a problem getting approved with their new credit and just starting off which means misleading info and prejudice XXXX XXXX XXXX XXXX which is also my bank did the same thing mislead information to me
Consumer complaint received 2024-08-28
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: Exeter Finance, LLC. (AL)

XXXX Someone tried to open a credit acc without my permission XXXX Someone tried to open a credit acc without my permission XXXX XXXX XXXX Someone tried to open about 5 loans without my permission XXXX XXXX Someone tried to open about 5 loans without my permission XXXX XXXX XXXX Someone tried to open about 5 loans without my permission XXXX XXXX  Someone tried to open about 5 loans without my permission XXXX XXXX I have more then XXXX inquiry from them Exeter finance llc Someone tried to open about 5 loans without my permission XXXX XXXX me I was told about XXXX lies on a car I was trying to purchase they said I could get the car with XXXX k down but then said I had to put XXXX XXXX down which is misleading and fraud Some of these car loans places wouldnt approve me without a co signer. After they said I could get one and be approved they lied about that cause I still didnt get approved for the loan at all once I acquired the co signer My bank which is XXXXXXXX XXXX lied said I couldnt get a loan but I talked to someone and they said they didnt have a problem getting approved with their new credit and just starting off which means misleading info and prejudice XXXX XXXX XXXX XXXX which is also my bank did the same thing mislead information to me