davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AVANTE (FL)

THIS IS MY THIRD TIME CONTACTING XXXX ABOUT THIS COMPANY REPORT ERRONEOUS INFORMATION ON MY CREDIT REPORT! I will be working with my attorney to make sure that AVANTE USA Will cease these deceptive strategies. This company AVANTE USA is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. Furthermore, AVANTE USA did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX XXXX XXXX : XX/XX/1994
Consumer complaint received 2020-01-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (FL)

I start a process of loan modification, in XX/XX/2019 I went to the mediation the lawyer from Caliber denied the modification alleging that my income was to low, but they didn't want to use my income from my main job ( XXXX XXXX ) in this job I get XXXX per year if they don't use this income it's the best excuse to denied a modification. My feeling is that they are discriminating. I work very hard I have three jobs XXXX XXXX, XXXX XXXX  XXXX XXXX and small own business XXXX XXXX, beside my sons work and support me financially, we present all this information and documents to Caliber ( income tax returns, banks statement, payroll, letter of employed, etc. ) but they are acting very unfair. We are desperate they don't care about the people, We been sending to the trustee during one year {$1500.00} We are not living for free and we need to keep the house XXXX is very expensive and they probably want to pull me out just because I'm XXXX and not rich XXXX.
Consumer complaint received 2023-02-03
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: ENCORE CAPITAL GROUP INC. (PA)

Midland Credit Management Inc. has been attempting to take actions against me in the amount of {$7500.00}. It is showing on my credit report that the account was opened XX/XX/2020. The original account was opened with Capital XXXX. Someone took over my card, copied down the numbers and made multiple purchases and cash advances using the credit card. I tried to inform the original creditor, Capital XXXX, of this and they refused to reopen the account or remove the fraudulent charges, even after being notified of the fraud.I have requested proof and a breakdown of all of the charges on the alleged debt as well and was not provided with that information. I have not been provided with competent evidence that I have any legal obligation to pay Midland Credit Management , Inc .
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

My complaint is with Wells Fargo Bank. I had an incident of fraud on my checking account, and the case HAS BEEN RESOLVED, yet they STILL won't give me my money back. 

On XX/XX/XXXX, my rent check ( check # XXXX in the amount of {$1700.00} ) was intercepted and fraudulently cashed. The fraudster forged my landlord 's signature and cashed the check. I reported this immediately to the Wells Fargo Fraud department.

The case/claim number is : XXXX. 

It was a clear case of fraud, but Wells Fargo said in order to resolve the issue and credit my checking account with the missing {$1700.00}, both myself and my landlord ( who was supposed to receive the check but never did ) had to sign an affidavit saying she did not receive or cash the check, not did I cash the check unlawfully. 

We both signed and returned the affidavit and Wells Fargo confirmed that they received it. 

That was on XX/XX/XXXX It's XX/XX/XXXX and I STILL have not been reimbursed the {$1700.00} in my checking account from Wells Fargo. I've made multiple calls to both their fraud and complaint departments, only to get brushed off and say they'll contact me with a " letter by the mail in 10 business days. '' No matter how firm I am, or how much I try to escalate the issue, Wells Fargo refuses to put my stolen money back into my account, while they continue to remain silent.

It's been 5 months. Please help! 

XXXX XXXX XXXX XXXX Wells Fargo Fraud case/claim number : XXXX
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-01-17
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (TX)

NOTE- '' What type of problem? or " What best describes your problem ''? do not contain the reason for my problem, which is related to my private and personal information. We suggest to include other choices such as " Private Information '' or " Other Problem ''. 


What Happened : On XX/XX/2019 ( Attachment 1 ), we wrote to MsXXXX XXXX XXXX, Citibank CEO-NA, requesting to delete from Citibank records all the information we provided with applications we submitted for a savings and checking accounts. We were never informed of the decision made about our applications and, therefore, had opened a savings account in another bank. 


As the reply from XXXX XXXX of XX/XX/2019 ( Attachment 2 ) did not address our request to delete all our information from Citibank records, and on XX/XX/2019 ( Attachment 3 ) we requested again the removal of our information from their records. On XX/XX/2019 ( Attachment 4 ) we received a reply stating that the information we provided Quote was supplied voluntarily by you to open Citibank Online Savings account and can not be removed. Unquote. We agree that we provided voluntarily the information required to complete the applications to get a savings account. However, the full property of this information is ours and, therefore, it is our prerogative to decide how to dispose of it in line with the legal provisions governing the ownership of personal and private information. 


In view of the above, we are herewith submitting a complaint against Citibank for refusing to comply with our request to delete from their records all our information we provided in applications for savings/checking accounts. In line with the provisions of the CFPB concerning Consumer Protection, which include the right and prerogative of the consumers to protect their information and dispose of it as they see fit, we expect that CFPB will compel Citibank to comply fully with our request. 

Contact in Citibank : XXXX ( CEO CitiBank N.A. )
Consumer complaint received 2020-01-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC. (LA)

On XXXX XXXX, Ally Financial repossessed my truck, it was a voluntary repo, because they kept extending my payments past the 6 years that we signed for. My truck was suppose to go to auction after XX/XX/2019. At this point we have no idea what has happened to the truck, we did not get any paperwork telling us what the truck sold for or what our balance remaining is. I have contacted Ally several times and they wont give me any information.
Consumer complaint received 2018-10-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (DC)

In XX/XX/2018 I needed to buy a new used car, I started to submit applications for USED VEHICLE LOAN with XXXX, and my Credit UNion. My Credit Union In DC offered 2.4 % and I was working on to get this loan. 
IN meanwhile I shopped for other auto loans all around including with XXXX, with Credit UNion and thru my dealer, XXXX XXXX of XXXX. 

I recognise hard inquiries from XXXX x 1 inquiry, I recognise 1 Hard INquiry from Credit UNion, and I see 1 hard inquiry from XXXX XXXX and 1 from XXXX. 

However, I was surprised to learn that there is fourth hard inquiry from and by ALLY FINANCIAL of either MN or XXXX XXXX CA. 


I did not apply for a AUTO LOAN to ALLY Financial. 

Moreover, I am horrified to learn about HOW MUCh INFORMATION is there on my ordinary XXXX  credit report about me and about MY PROPERTY- I presumed that ALLY Financial consider my HOME in form of COLLATERAL against AUto LOAN?? are you kidding me? 

that I will place my HOME as a collateral against car??? 

UNHEARD OF!!! 

When I received this Credit Report from XXXX, in XX/XX/2018 and I studied it, I realized that there is ALLY FINANCIAL whom i do not recognise. 

I was horrified about how much information ALLY Financial Provided about me on XXXX  C Rep. 

The information on page 3 is taken from the District of Columbia Real Estate LAND OFFICE, where there is a confidential information about my property FOR YOUR EYES ONLY! NEED to know basis. 
However now everybody who is not lazy can dig out my C Rep and  read it like a novel. 

I protest against such a violation in my privacy and disclosure of my property information on ordinary credit report. 

It is very upsetting. 
I dont know who these people are. ALLY Financial. 
And I want this report to be OUT from my Credit Report. 

I called to XXXX and I asked XXXX to remove it. 

In XX/XX/2018 I was still weak after my 5 hours XXXX in XX/XX/2018. 

But now i am strong and this hard inquiry -- disclosure is not recognised by me, I did not do it, I did not made my home as a collateral against auto loan. 

I want them ( ALLY ) to remove this piece of hard inquiry by Ally Financial from my Credit Report on XXXX. 

PS I received several mailers from ALLY FINANCIAL. I wanted to save it to include to my complaint, but alter I threw it away. 

however, I collected now all double inquiries and unknown to me inquiries like Ally Financial, and I am filing complaint against this abuse I dont know who these people business are. 

I have nothing to do with them. 
And I would NOT I would NOT place my home as a COLLATERAL against a auto loan. 

It is just a car no matter if it is XXXX or XXXX. And My VA home loan guarantee is a HOME. 
Home is Home. It is in the BIBLE : SHELTER CLOTH and FOOD. There is nothing about CARS in the BIBLE.
Consumer complaint received 2023-02-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2020-01-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (MA)

FAILED TO PROVIDED ME WITH DETAIL REQUEST FOR VERIFICATION! - I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. If you wish to send me documentation that you will remove this account from my credit report, that is all I will require. Otherwise, please provide me with your documentation showing that this account does indeed belong to me. Please send me copies of the contract used to establish the account with my signature on it. Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe. Sincerely yours,
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I am giving you one warning, because i will SUE. Remove an alias ( old last name ) off of this report.i want it off now, ive told you several times on the phone you are all LIARS telling me you took it off. im suing you and XXXX, because i asked you to take it off due to a stalking incident and instead you left it on there and i have been located. if anything happens, you and XXXX  will be held accountable.i will be contacting a lawyer if i see my old alias still there. i am serious. 

the old last name needs to be taken off!!!! 
old last name : XXXX. 
no longer my last name!!!! 

a correct alias will be XXXX now that i have REMARRIED
Consumer complaint received 2022-02-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/2021 at XXXX am EST I received a call from a XXXX, FL phone number XXXX that I had recognized as a XXXX XXXX whom I spoke with a few months prior. the gentleman on the other end of the call explained that they finally had a buyer for me, and that the closing and sale would happen quickly. Given that I have been trying to unsuccessfully get rid of the timeshare for years, which is seemingly and coincidentally fraudulent in and of itself, XXXX, I was eager and excited about the prospect of finally having this burden off my back. I was told to that all I needed to do was pay for closing costs, which as a Realtor myself isn't unusual for seller to pay those, so I didn't think anything of it. The man told me to wire {$2700.00} to XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX. Acct # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX Description : XXXX XXXX I immediately brought this to Chase 's attention as I realized very quickly that I had been scammed. CHASE was not helpful and very difficult to work wtih. I couldn't even speak to anyone in the fraud department and there was no direct number to call. I feel Chase did little to nothing to help and neither did XXXX!! please help me asap!!
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am unable to receive a paper copy in the mail from the major 3 reporting agencies i.e. XXXX, Trans Union and XXXX. I submitted the Annual Credit Report request form and I received a written letter via USPS, indicating that they could not verify my Identity. In addition, I enclosed a copy of my 1. ) Michigan Drivers License, 2. ) SSI card, 3. ) Voters registration card, 4. ) Current Passport. Along with the denial letter highlighting the items that was requested. I also attached a copy of my online credit report from the agency itself, but the issue was that the report was out of date and I needed a new report. I also enclosed a copy of a credit denial letter. I submitted this request multiple times to no avail and the very last request went unanswered. This request of my credit report has become straining, thus I can not move forward in my attempt at restoring my credit and disputing Third Party debt collectors. Please be advised that I have received my credit report via USPS in the past from all 3 Credit Bureaus. Please advise.
Consumer complaint received 2020-01-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

XX/XX/2019 I was a victim of identity theft andRequested the fifth third bank close my account that I have had for over five years. They agreed to close the account and I found out they did not shut the account down. I ended up filing a police report. I called back again several hours later and the loss prevention team told me they were not going to shut the account down and I could dispute any transactions that were fraudulent to make a long story short I ended up losing {$600.00} that was in my account and fifth third tried to write off {$4000.00} ofTransactions that they allowed a fraudulent company to write bad checks out of the account in which I asked them to close. Fifth third then requested that XXXX  XXXX XXXX XXXX review our phone conversations when I requested a 609 fair credit proving that I authorized in writing for the fraudulent parties to indeed make the charges on my account. Which both fifth third and XXXX  XXXX XXXX failed to do Fifth third owes me {$600.00}. In addition to removing all negative Calories from the three credit bureaus in addition to checks link in the like.
Consumer complaint received 2024-03-16
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. (GA)

15 USC 1692cI 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. 

If proper validation of this alleged debt is not provided within 30 calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. 

Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. 

FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Received alert from Experian that XXXX XXXX XXXXXXXX had pulled my credit report and it reflected as a Hard Inquiry. 

The inquiry was done on XX/XX/2023 XXXX XXXX XXXX  was contacted and could not provide any further details, A fraud alert was placed on my account. I have no loans or credit through XXXX XXXX XXXXXXXX. Nor di I recently request or apply for a loan or credit through XXXX XXXX XXXX 

Experian was contacted and also placed a fraud alert on my account.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am no longer an authorized user for this account and I am asking to have account removed from credit reports. XXXX XXXX. I have sent in numerous complaints along with attached documents that I am no longer an authorized user and account is closed however XXXX remains on credit report.
Consumer complaint received 2023-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

I got an notification from my credit report company that I have a debt collection. After checking the credit report, there is a company called credit control service wants to collect a debt that I dont even know. I called the credit control service company and they told me they received the collection request from a company called XXXX XXXX XXXX. However Im not XXXX XXXX  XXXX  customer nor purchased any product from this company. I called XXXX XXXX  and they confirmed there is no policy number/information under my identification.
Consumer complaint received 2020-01-17
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (PA)

1ST NOTICE PHEAA continues to provide OUTDATED and UNTRUE information to the Credit Bureaus with extreme confidence. As of XX/XX/2020, my credit report says the account is CURRENTLY PAST DUE. This WAS true up until XX/XX/2020. A payment was made on XX/XX/2020 in the amount of {$360.00} to bring the account current. 

I have all the documentation to substantiate these claims.