davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-18
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: LEXISNEXIS (CA)

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.

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 2024-10-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: SANTANDER HOLDINGS USA, INC. (CA)

Pursuant to California Vehicle Code 4456, Santander Financial, as the lienholder, had the responsibility to ensure proper processing of these documents. This failure constitutes negligence and a breach of duty, as outlined under California Civil Code 2982, which governs motor vehicle sales and financing contracts. The negligent delay has directly caused financial harm and significant emotional distress, and I am seeking immediate compensation for these damages.

Statement of Evidence 1. Storage Fees : Due to the inability to legally operate my XXXX XXXX XXXX XXXX, thus it not being allowed to be parked on street property, I have incurred storage fees at a rate of {$120.00} per week from XX/XX/XXXX to XX/XX/XXXX, totaling {$15000.00}. receipts are handy. 


2. Supplemental Vehicle Costs : As a result of the sever negligence delaying registration 3+ years, thus legally not allowed to drive the vehicle, in direct conjunction with loss of use on original vehicle, I was forced to lease a supplemental vehicle to meet my transportation needs. I incurred monthly lease payments of {$700.00} from XX/XX/XXXX to XX/XX/XXXX, totaling {$12000.00}. receipts are handy. 

3. Insurance Coverage for Supplemental Vehicle : I incurred insurance costs for the supplemental vehicle of {$2400.00} per year over two years, totaling {$4800.00}. receipts are handy.

4. Insurance Coverage for XXXX XXXX XXXX XXXX : I have also continued to maintain insurance coverage on the XXXX XXXX XXXX XXXX, although I was not legally allowed to drive the car due to Santanders in ability to register the vehicle, incurring costs of {$2000.00} per year from XXXX to XXXX, totaling {$4000.00}. receipts are handy. 

5. Out-of-Pocket Registration/Title Fees : I paid {$2800.00} in out-of-pocket registration and title and late fees fees, which I would not have had to pay if the registration had been processed in a timely manner. THESE FEES WERE PAID BY ME TO THE DMV WHEN I HAD ALREADY OPTED TO HAVE YOU PAY THE AMOUNT. The late fees for the additional years, never would have occurred if Santander properly staffed their offices to receive mail.

6. Loss of Time : The ongoing delay and inconvenience have caused me to lose valuable time from XX/XX/XXXX to XX/XX/XXXX, which I value at {$40.00} per hour. This loss of time totals {$1400.00}.

7. Emotional and Punitive Damages : This matter has caused considerable stress, inconvenience, and emotional distress. I am seeking additional damages of {$30000.00} for the emotional hardship endured during this prolonged issue.

Legal Basis for Claim Santander Financials failure to meet its obligations under California Vehicle Code 4456 and California Civil Code 2982*has resulted in substantial financial losses. As a result of this breach, I demand immediate reimbursement for the above costs.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Adjustment Service, Inc. (IL)

I received an notification of a debt collection on my credit report. I contacted tmobile to dispute it. The debt collection is from DIVERSIFIED ADJUSTMENT INC out of Minnesota. XXXX billing services explained to me that the info is incorrect and that I do not owe them anything. XXXX asked me to call the collection agency and asked them to call tmobile billing asap so they could explain to the collection agency that I do not owe anything and have them remove it from my credit report. I spoke with 3 reps at the collection agency DIVERSIFIED Adjustment inc and each time the rep would not do what I asked and then transferred my call to an extension that was not available and the call ended.
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

I deposited a citi bank check on the XXXX, for XXXX and a hold was placed. banker said a couple days but the receipt said the XXXX max called a few days later and they said for sure in a couple days. called back and they said they are unable to verify the check. then asked for the check senders info. I was not given any portion of the deposit, and not given reason for extended hold in writing. Im now not sure when I get my money as they just keep saying they cant verify the check with no answer as to what happens next. also they wont revisit calling the check sender unless im on the phone and I have work. I feel the legal laws put in place to protect me aren't being followed.
Consumer complaint received 2024-08-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (MI)

I got a fraud phone call around XXXX XXXX on XX/XX/year>. Someone pretends an employee from security department from American Express Credit Card. She had my last month statement ( or even some recent transactions on my credit card ), my cell phone number, my land phone number. She then asked me to provide my social security number and Mother 's Maidan name for security check. The number she called from was XXXX. And then she asked me to add call to another number XXXX. She said her name is XXXX XXXX. She also said to increase my security protection, I need to go through an ID verification process by visiting https : //amex.idkit.co/c6879d421eca6a87b330f9bbccb7e9bf and upload my driver 's license. They send this link vis the phone number XXXX. 
Afterwards, they made 13 fraud transactions with my credit card.

I called AE directly around 7 pm to report these fraud transactions.

I am very concerned and afraid that all my personal information were in their hand. Please help me.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Galaxy Capital Acquisitions, LLC (CA)

I did not become aware of any debt owed to genesis credit FS until a couple months ago. As soon as i received notification that a collection agency was seeking me to pay debt owed, I checked the legitimacy of thr lawyer and collection company and it showed to be legitimate. At that point i called and asked for proof of purchase or telling me where i accrued the debt. They sent me past invoices sent to a very old address using an account that i have no awareness of. It looks as though XXXX is the original company and I have never purchased anything from them. I could search through years of bank statements to prove that. I need to know how to clear my name of this debt. And properly address the collections agency, as they are fulfilling something that they have been legally hired to do, even though their is some sort of fraudulent activity behind this. 

The current name of creditor is Galaxy International Purchasing XXXX XXXX XXXX sending me the collection paperwork is XXXX XXXX XXXX
Consumer complaint received 2024-08-21
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I just want another car back, I was treated very badly by the dealership. XXXX XXXX sold me a defective car, and since day one, I have been struggling to get it fixed. Due to the car 's issues, I ended up losing my job and missing several doctor 's appointments. my son had undergo two XXXX, and Despite explaining the car 's problems to them, they have refused to provide me with a replacement vehicle. This car has caused me to lose my job, and I am facing significant challenges as a result. And now they finally came out and repossessed the car. My son doctors appointments is on the 26 and and my job requires me to have a car for work. Please help.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Advanced Resolution Services Inc. (TX)

XXXX I submitted all documents that was required for the dispute via certified mail on XXXX I received correspondence asking me to provide the same documents. XXXX I sent those documents again via certified copy with receipts I also sent an email to XXXX with a copy of the same documents that was requested for the dispute. XXXX I was asked for the same information. I submitted the documents again. I also called and made an attempt to speak with someone which I was asked to leave a message, and I did. That attempt was unsuccessful. I started the process again on XXXX sent documents via certified mail and email. XXXX received correspondence asking for the same documents. I have made copies of all documents sent and all correspondence received.
Consumer complaint received 2024-08-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (AL)

Cavalry Portfolio Service XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX AL XXXX Dear Cavalry Portfolio Service, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing 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 provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (FL)

I would like them to validate this debt by sending a copy of the original contract, b bearing my signature to that I actually signed for this debt and a copy of the payment history from the original creditors, the name and address of the creditor and I want proof you own or were assign his debt to collections because this company has not provided any documentation of proof of this alleged debt. Please delete all my credit report.
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (HI)

Credit Control , LLC is harassing me with letters, emails and phone calls about some Unknown account. They claim that they bought some unproven, unverified and untrue debt from another Company that I have no contract with. I have no contract with Credit Control , LLC, I have never heard of this Company, and they have no legal right to contact me about any unverified, unproven and untrue debt. Credit Control LLC is in violation of 15 USC 1692. ( c ) ( a ) of the FTC fair debt collection practices. This Company needs to stop harassing me immediately.!
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (FL)

I am writing to bring to your attention a concerning issue with my credit file. I have noticed a collection entry from your agency that I was not previously informed about. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide the necessary validation and take appropriate action to address this matter.
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC (FL)

I am writing to bring to your attention a concerning issue with my credit file. I have noticed a collection entry from your agency that I was not previously informed about. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide the necessary validation and take appropriate action to address this matter.
Consumer complaint received 2024-08-26
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: Mr. Cooper Group Inc. (OR)

My loan was transferred to Mr. Cooper, which I did not initiate. Payments are being made, yet they have not submitted this to the credit reporting agencies. They said it takes 30 - 60 days for them to do so. This is unfair because it negatively impacts credit scores.
Consumer complaint received 2024-08-22
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: CL Holdings LLC (GA)

I am personally submitting this request to correct the error on my Credit Reports. I purchased phones in XX/XX/XXXX. Six months later, in XX/XX/XXXX, I discovered that a collection related to this purchase was inaccurately reported on my credit report by all three credit bureaus. I disputed the entry, and after six months, in XX/XX/XXXX, the collection was deleted. However, to my surprise, six months later, in XX/XX/XXXX, the same collection was reinserted on my credit report. This recurring issue is still on my credit report causing harm to my credibility and violating my consumer rights, and I am requesting immediate action to resolvethismatter.
Consumer complaint received 2024-08-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (MO)

I have a XXXX interest balance transfer with Citi Bank credit card and also make some basic charges on this account. I pay off the entire amount of new charges each month, the entire amount of minimum due on the balance transfer, plus additional each month and am still getting charged interest on new purchases. There should be no interest charged on new purchases since the charges are all paid above and beyond each month.
Consumer complaint received 2024-08-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

A freeze has been put on my XXXX  banking account. I am guessing this is from a XXXX or XXXX XXXX XXXX debt that was sold to this company. I need the frreze removes as I have no access to my funds.
Consumer complaint received 2024-08-21
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: Bridgecrest Acceptance Corporation (FL)

The derogatory rating on my account is a significant source of concern for me. I am deeply worried about its impact on my credit. It has already led to the denial of a recent loan application and increased interest rates on my existing credit accounts. I want to stress the severe financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am writing to dispute several unauthorized inquiries on my credit repot in accordance with my rights under the fair credit reporting act ( FCRA ), specifically sections 611 ( 15 U : S : C 1681i ), 609 ( 15 U : S : C 1681g ), and 604 ( 15U : S : C 1681b ) after reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize disputed inquiry : XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (FL)

Credit inquiry was done without my permission. 
Information given was not mine as I did not apply for any loan of any type. 

The companies do XXXX  Us Bank and XXXX XXXX were given the following persons name phone and address : XXXX XXXX XXXX XXXX XXXX WAY XXXX XXXX CA XXXX Phone ( XXXX ) XXXX
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

ACCORDING TO THIS UNKNOW DEBT COLLECTION ACCOUNT THAT IS IDENTITY THEFT, THIS ACCOUNT HAS NO RIGHT OF REPORTING THIS UNAUTHORIZED ACCOUNT ON MY CREDIT, UNDER THE FCRA 605B ( 15 U.S.C S 1681C-2 ) THIS ACCOUNT SHOULD BE BLOCK FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS.I WANT PROOF OF THIS CONTRACT WITH MY SIGNATURE, I ASK FOR THIS COMPANY JEFFERSON CAPITAL TO DELETED THIS OFF MY CREDIT REPORT ACCOUNT.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (MA)

Subject : Complaint Against Credit Collection Services ( CCS ) for Inaccurate Reporting and Failure to Validate Debt Details of the Complaint : I am submitting a formal complaint against Credit Collection Services ( CCS ) for their failure to provide proper debt validation and their inaccurate reporting of a debt on my credit report. Despite multiple requests, CCS has continued to report this debt without providing the necessary documentation to verify its validity. 

Key Issues : Lack of Debt Validation : I requested validation of the debt, but CCS has failed to provide any documentation. Under the Fair Debt Collection Practices Act ( FDCPA ), they are required to cease all collection activities, including reporting this debt, until they have validated it. 
Inaccurate Reporting : CCS continues to report this debt, causing unwarranted harm to my credit score. The information they are reporting is not only unverified but also misleading. 
XXXX XXXX Code Violations : The continued reporting of this unvalidated debt likely violates XXXX XXXX guidelines, which require accurate reporting of consumer credit information. 
Requested Action : I request that CCS be required to cease all reporting of this debt until proper validation is provided. 
I also request that the CFPB investigate CCSs practices and hold them accountable for their violations of the FDCPA and other relevant consumer protection laws. 
Conclusion : This situation has caused significant damage to my creditworthiness, and I believe CCS must be held accountable for their actions. I respectfully ask for the CFPB 's intervention to ensure that my rights as a consumer are protected. 

Thank you for your attention to this matter.
Consumer complaint received 2024-08-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC. (CO)

CFPB has looked into this before, a previous complaint filed. After CFPB contacted Exeter Finance, things were Ok for 3 months. But now the same thing is happening. If I try to pay early- the payment does not reflect as such, and delays invariably take place. It is almost as if they want to just charge late fees. 

By the way- the late fees compound daily. Which I think is unfair and illegal. 

Please help me get straight with Exeter so this nonsense stops.