davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MA)

I am writing to dispute the presence of some hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file. 

Inquiry Details : -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX -Equifax -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-21
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 been attempting to use my funds on an Amex Gift Virtual Card since XX/XX/. The first time I used the card was on XXXX, and the transaction did go through, but shortly afterwards I received a notice on XXXX  that due to security measures I could no longer use the card on the app. Since then, I have tried to make purchases with the card on XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and numerous online retailers. Each time I try to use the card, the transaction either immediately doesn't go through, or I receive notice that the funds could not be accessed and the card was declined. I've spent numerous hours on the phone with Amex 's card service representatives to try and get the issue resolved. 

I've asked if they could send me a physical card, if they could provide me a list of businesses the card does not work for ( or a list that card does work for ), if they could give me a name or Zipcode that I can utilize for purchases with the pre-paid e-giftcard The representatives have stated that they can not help any further and that I just have to " keep trying the card at different businesses until it works. '' The card does not work because there isn't sufficient information to surpass security measures utilized by physical and online retailers. I've asked Amex for my money back, but they have declined.
Consumer complaint received 2023-11-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (NY)

In XXXX of XXXX I leased a vehicle from XXXX XXXX XXXX XXXX on XXXX XXXX, A XXXX XXXX XXXX which they took a down payment from me of {$600.00} that they expressed was going to be apart of my lease/finance charge, that wasnt the case. They also changed paper work information. I applied as principal & they made my co-signer principal. Also in XXXX I traded in the XXXX for an XXXX which they then took another XXXX $ plus & XXXX from the XXXX trade in as down payment not expressing I have 3 days to rescind. They also keep the co-signer on the vehicle before as principal on the XXXX XXXX which I refused. At the time I was unaware of consumer law. Which they have clearly violated on many occasions with me. They made me feel comfortable enough to tell me anything and make me overly stress concerning payments etc. when consumer law express it is illegal for a wholesale or retail to take any money from a consumer. Especially FRNs which according to federal & banking law that form of tender is only to be used by the federal reserve that I am not. 
The XXXX has been paid off due to my social security number. So has the XXXX. They took a cosinger asnd made them principal without knowledge and that cause disruption bet the co-signer and I. They forged signatures as well on sed contacts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX for taking more than XXXX $ monthly in incorrect notes.
Consumer complaint received 2017-05-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in viola tion of 15 U.S.C.   1681. You are requ ired under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.       XXXX    Law Dictionary,    XXXX   XXXX  ,  2009 , defines  Verify as,   1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, tru th or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.     What this means is that your company must be willing and able to produce a document in your files that proves the account  ( s )  in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have  1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed b y 1681 ( a )  ( 4 ).      You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Secti on 611 ( 5 ) ( A ) of the FC RA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WI)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2023-11-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

My first car payment was XXXX I sent {$300.00}. I called them 3 to have them. Put the extra amount towards my principle and they put it towards the finance charge. Or interest. I got a new statement in the mail. They're telling me. I own {$410.00}. 
In the loan status Section. 
But down by the part where you mail the check. They're saying amount. Do XXXX Seems like after I called the first time to complain about where my extra money went. They started messing up my statements on purpose. Bank of america watch out.. And when I call this last time I know I only made 2 payments. She's telling me I made three that everything is fine now.
Consumer complaint received 2023-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (AZ)

On XX/XX/23, an employee of Chime Bank instructed and directed me to transfer {$1200.00} from my checking account into an administrative account. XXXX days later, requested that the transfer be cancelled and the money be refunded to my checking account. The same employee told me that I had to purchase an XXXX gift card to use as an activation key. I did not have the funds available to do that. In XX/XX/23, the same employee told me Chime would compensate me {$60.00} plus the {$1.00} in cash but I would have to claim it in person in California. I told him I have no car and Im unable to travel.
Consumer complaint received 2023-11-21
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aldous & Associates, PLLC (FL)

I keep getting harassed via phone and email for a {$200.00} debt from debt collector who introduces themselves as Aldous & associates attorneys at law ( phone number ( XXXX ) XXXX, address XXXX XXXX XXXX XXXX, UT XXXX ) claiming that I need to pay for this and they wont even let me talk and explain the situation. When I asked them if they were a law office ( spoke to XXXX and XXXX XXXX they stated that they are and when I asked if the person speaking was also a lawyer he stated that he is an associate at the firm. I informed them I am not comfortable to speaking with a law office without representation but they keep calling me and are very aggressive and rude and dont understand that I dont want to speak without representation.
Consumer complaint received 2023-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (GA)

I sent a signed due bill statement along with a UCC-1 form and a notarized and certified letter to pay the full amount being that I am the lender according to U.S.C and UCC laws XXXX I endorsed the due bill correctly and after speaking to Discover they were unable to confirm that theyve received payment and literature sent by me. I tracked all mail and it was delivered with a signature. They said theyd call me in XXXX hours and have not responded. All mail was sent on XX/XX/23.
Consumer complaint received 2017-05-05
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: TENET HEALTHCARE CORPORATION (SC)

I am having a huge p roblem with Central Finance Control. I found anothe r account  this one b eing  XXXX  on my   XXXX   and  XXXX  report. The other account I previously filed about was different and on  XXXX   XXXX . I have sent them a cease and desist, called their office and requested FCRA  623  required to report any account to cra and prove verification of accuracy including complete paymet history and sisgned contract from original creditor. They have refused to provide it and denied me the requeste FDCPA letter of notification within 5 days of receiving. They also were abusive and rude on the phone and refused to provide the letter of assignement between the original creditor and their collection agency which too is my right to have to any account they claim belongs to me.   WHILE EATING DINNER WITH MY FAMILY last night at a restaurant I got a phone call from CFC after   XXXX   XXXX   and have phone record to PROVE IT, and the phone call  XXXX  from NEVADA and that is illegal as  CFC i s in CALIFORNIA So misrepresentation of their location and calling from somewhere they are NOT located. To beat it ALL the rep on the phone gave me my full social security number WITHOUT even verifying it was truly ME on the phone!! That is complete ignorance of collection tactics and LAWS for a collection agency!! When I questioned why in the world this rep would provide that kind of info over the phone I was ignored This is NOW A  HIPAA vi olation and warrants lawsuit for not only the original creditor but absolutely warrants lawsuit easily won against central finance control!!!!!   I have contacted the original creditor and notified them this agency is operating in totally disregard to credit reporting laws, violation of FDCPA and noncompliance to FCRA and FACTA.   This will be taken now to the Better Business Bureau and Attorn ey Generals Office of California. I will contact the California regulator for collection agencies and Bureau of collection offices and debt collection.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I am writing to bring to your attention a persistent issue regarding an inaccurate public record on my credit report, and despite repeated demands for its deletion, the matter remains unresolved. This is the third time I am reaching out to the credit bureau, to rectify the inclusion of a bankruptcy record, referenced by the number XXXX. 

My name is XXXX XXXX XXXX, and I have previously provided detailed information to this credit bureau regarding this matter, including documentation from the court confirming that they do not verify information with credit bureaus and that such information has been removed/deleted. Despite presenting this evidence, the inaccurate bankruptcy record persists on my credit report. 

Furthermore, it is crucial to note that the bankruptcy record is erroneously attributed to the name XXXX XXXX XXXX, not my legal name XXXX XXXX XXXX. This misinformation is a clear violation of the Fair Credit Reporting Act ( FCRA ), which stipulates that consumer reporting agencies maintain accurate and up-to-date information. The inclusion of this inaccurate information damages my creditworthiness and financial standing. 

Additionally, I would like to highlight that XXXX, as of XX/XX/2023, has removed this particular record from their database. This further supports the inaccuracy of the information reported by this credit bureau.

I am exercising my rights under the FCRA, specifically invoking Section 609, to dispute and request the removal of this erroneous bankruptcy record from my credit report. The continuous reporting of inaccurate information is not only damaging to my creditworthiness but also a violation of my rights under federal law. 

I kindly request the CFPBs intervention to ensure a thorough and prompt investigation into this matter. Despite my previous attempts to resolve this issue, This credit bureau has failed to take appropriate action. The inclusion of inaccurate information on my credit report goes against the FCRA, which mandates that consumer reporting agencies maintain accurate and up-to-date information. 

I am deeply concerned about the potential consequences of this inaccurate reporting on my financial well-being. I appreciate your immediate attention to this matter and request your assistance in facilitating a resolution. Please find attached supporting documentation for your reference including information directly from the court 's website stating they do not verify any information with the credit bureaus.
Consumer complaint received 2023-11-21
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc. (CA)

I RETURNED EQUIPMENT XXXX CABLE BOXES AND XXXX REMOTES TO THE FRONTIER OFFICE AND THEY ACCEPTED IT. I LATER GOT BILLED FOR UNRETURNED EQUIPMENT. I CONTACTED THEM AND THEY STATED THAT I HAD XXXX BALALNCED OWED. CUSTOMER SERVICE VIA PHONE SAID THEY HAVE NO RECORD
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (FL)

Under the FCRA I'm entitled to a description of the nature and the purpose of these inquiries. Please provide me with the necessary information regarding inquiries within 30 days as stipulated by the FCRA. If you can not provide a legitimate reason for these inquiries, I request that they be removed from my credit report immediately. Failure to comply with this request will result in my pursuit of legal action to protect my rights under FCRA.
Consumer complaint received 2023-11-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (AZ)

My car loan is due for the XXXX payment in the amount of {$380.00} due on XX/XX/XXXX. I made an electronic payment of {$390.00} ( via XXXX web bill pay ) to Kia Finance America on XX/XX/XXXXXXXX  from my XXXX checking account ( my bank shows this payment posted for {$390.00} to XXXX XXXX XXXX on XX/XX/XXXXXXXX  ). Yet, Kia still has not posted this payment and is showing that I am 11 days past due. I have filed a complaint with Kia on XX/XX/XXXXXXXX  under confirmation # XXXX. I also filed a complaint with XXXX. I am very concerned because Kia shows I am due for XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  payments now. I am very concerned about Kia showing I am past due, having late fees improperly assessed, negative impacts reported against my credit and the proper handling of future payments to this company! Please help me to get my payment posted to my account. I have contacted Kia 4x about this with no resolution yet. I attached proof of my posted payment and what I received from XXXX.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately XXXX XXXX XXXX
Consumer complaint received 2023-06-07
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: Experian Information Solutions Inc. (GA)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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. 

The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX  Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 
1. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022
Consumer complaint received 2023-11-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

My parents had a safe deposit box at the XXXX Chase Bank location in XXXX XXXX, Texas. I live in XXXX XXXX, California. After my parents died, I tried to close the safe deposit box. I am the sole heir and had complete power of attorney during their lifetimes. I was on all their accounts, including the safe deposit box. I was told by the XXXX XXXX and XXXX XXXX Chase branches that I could close the box only in person at the XXXX XXXX branch. Time passed. The FDIC instructed banks to start the process of closing safe deposit boxes. JP Morgan Chase in XX/XX/2022 announced it would begin to phase out all safe deposit boxes. I again attempted to close the box. Chase refused. When Chase Bank began demanding payment and threatened to debit safe deposit box fees from my deposit accounts, I again attempted to close the box. Despite my instruction, the FDIC 's instruction, and Chase 's own policy, Chase refuses to close the box. The Chase branch in XXXX XXXX, California where I bank, states there is nothing they can do. The branches claim the only way to close the box is to go to XXXX XXXX, Texas, which is about XXXX miles from my home to close the box in person. This is a problem Chase easily could solve. The Chase policy is a subterfuge to extract fees.
Consumer complaint received 2023-11-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (OH)

Company-Columbia Debt Recovery . Original Creditor-XXXX XXXX My daughter moved due to employment in XXXX from XXXX to XXXX. I provided temporary care for my granddaughter for XXXX weeks, until my daughter could establish child care. The Apartment Management company ( XXXX ) wanted all adults residing in the unit to be named on the lease. I did not originally apply for residency and my income, or credit was not used to qualify and obtain residency. ( see original lease ) The apartment management company stated in writing that my income or credit would not be used, I signed understanding the statement written and the fact that I was supposed to be listed as an adult dependent. ( see letter from XXXX XXXX  ) We later found out that they not only ran a background check, but accessed my credit ( which the credit bureau did reply with an address discrepancy, because I am not a Florida resident-see addendum ). Someone forged an income for me which I did not provide. I never provided any banking information, nor did I make any rent payments. I was not employed at the time, I only work part-time. Turns out the XXXX XXXX listed me as a Joint Tenant!! 
The Columbia Debt Recovery Company has subsequently filed a derogatory collection on my credit report. I disputed the information, the collection company says the information is accurate. I do not owe this amount and this account does not belong to me and should be removed from my credit report. Can you please provide some help? Thanks in advance. ( I was unable to attach the complete original lease, too large, I am more than willing to fax or email it to you if needed )