davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-12
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 — Their investigation did not fix an error on your report
Company: AVANTE (FL)

This company AVANTE XXXX 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 XXXX   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 2020-01-12
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Americor Funding, LLC (MI)

I signed on in XX/XX/XXXX to a debt settlement program with Americor Funding. They represented their service as negotiating very large reductions in credit card amounts owed, with fees taken out of an escrow account that also pays the creditors. They represented their average savings as 50 %. As of XX/XX/XXXX, they offered settlements with two creditors, XXXX XXXX  and XXXX XXXX, at 66.87 % and 62.41 % of the original amounts owed ( $ XXXX {$2100.00} and $ XXXX {$5400.00} ). This much was disappointing, but understandable. After calling the company to see whether they could push the numbers closer to the 50 % offer and being told they couldn't, I accepted those settlements.

HOWEVER, when I went on their website today to see the transactions over time that I had agreed to ( hidden behind a few tabs ), I noticed that the settlement fees being charged were so high as to render the service nearly pointless. Actually, worse than pointless, when the impact on my credit score and the stress of receiving threats of legal action, of obeying their advice to stop making payments to the credit card companies, are factored in. 

For the XXXX XXXX  account, the settlement fees add up to {$520.00} - for total payments, *after* settlement, of {$1900.00} related to that account. That is *91.8 % * of what I originally owed before signing up with Americor Funding. For the XXXX XXXX Account, the settlement fees add up to {$1300.00}. Added to the settlement amount of {$3300.00}, that is 87.4 % of what I owed before agreeing to Americor 's program - which again, instructed me to stop making payments I otherwise would have made a good faith effort to pay. 

The only way to figure out these total fee amounts was to go line-by-line through an out-of-the-way tab on the website and make these calculations myself. Given that the company advertises average savings of 50 % off original account balances, based on the settlement offers *alone* and not including its fees, I believe its marketing is clearly deceptive. I was okay with paying 2/3 of the original amount in the settlement rather than half, based on the company clearly stating results may vary in that regard. By contrast, it is obvious that the company is hiding the impact of its fees on the final outcome. 

This is unacceptable and wrong. Had I been aware that I'd have to go through months of stress and sub-500 credit scores for a *10-12 % * overall savings, I *never* would have signed up for the program.
Consumer complaint received 2020-01-12
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: SYNCHRONY FINANCIAL (LA)

I am a victim of identity theft someone has inwuired to hsn nut it was not me they say they can't move it even thought it's identity theft So if they were viven credit I'm suppose to pay it also this a fraud
Consumer complaint received 2022-11-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: BlockFi Inc (WA)

On XX/XX/2022 the BlockFi cryptocurrency platform disabled withdrawals of my wallet assets under my name. The wallet is under my name in cold storage and is not to be used to satisfy secured creditors if bankruptcy comes.
Consumer complaint received 2020-01-12
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: EQUIFAX, INC. (IL)

I have tried to fix a collections account with XXXX in the amount of {$990.00} I have written letters to both XXXX And the 3 credit bureaus. They are reporting an amount I owe as {$990.00} for an account that was open fraudulently, I never received any foods or services from this company. When I received the first original letter back on 2018 the amount was for {$490.00} and now it is reported for {$990.00}. I have asked for paperwork showing my signature where I actually purchased anything and they have not been able to produce such paperwork. I have asked for it to be removed but keep getting its being reported correctly. It is not l, this account was opened fraudulently and is not mine. I would like it removed from my credit report.
Consumer complaint received 2017-02-07
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (GA)

I got a new Chase XXXX credit card in XXXX due to the XXXX XXXX bonus points offer that was affiliated with the card. I called and was told that I had to spend the {$2000.00} required and then pay my statement and the points would hit in about six weeks time. 

I met the spending requirement just shy of the new year and the ChaseXXXX did the points transfer immediately as opposed to what I was told. I needed this points to hit in XXXX though, not XXXX, as the whole objective was for me to get points towards the companion pass with XXXX. I called them to get corrected and they apologized for the issues, but said there was nothing they can do. I would just like these points moved into XXXX recognition. Feels like they intentionally expedited this process to keep me from hitting this threshold.
Consumer complaint received 2019-12-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (AZ)

I am requesting the following documents, electronically stored information, or objects, certified copies, or samples of materials related to Loan No. XXXX originated by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX, MN XXXX Dated XX/XX/XXXX. A full reconveyance and deed of release was then acquired by XXXX XXXX XXXX, Arizona ( formerly the XXXX XXXX XXXX   XXXX Arizona ), dated XX/XX/XXXX, XXXX XXXX, Arizona on the XXXX day of XX/XX/XXXX, Docket / Records number XXXX. These records should appear on all 3 credit reporting agencies. 

FHA Case number : XXXX
Consumer complaint received 2020-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (WI)

Ive frozen my credit report with XXXX and XXXX with no problem. Trying to accomplish a freeze with Equifax has become impossible. I cant contact a human even though I used the human contact phone number given to me by Equifax. Internet and phone yield no results. The robotic/internet advice given by Equifax doesnt work. I keep being informed that a freeze can not be activated at this time. I have excellent credit but are concerned about access to my information by criminals. Why is it difficult or impossible to freeze information that I dont need, dont want, have never had a need for and have never given permission to be collected.
Consumer complaint received 2020-01-12
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (CA)

I have an autopay set up for my credit card using a XXXX checking account, I recently switched my checking to XXXX XXXX so on XX/XX/XXXX I logged in my account Citi credit card account and I updated that XXXX account with my new XXXX XXXX Account. 
The reason I updated is obviously so my autopay will have a valid account to withdraw from. I have done my job and updated my file. Yet I have received a call from a Citi representative on XX/XX/XXXX saying that I was 30 day past due which was a complete shock to me! 
I have been a Citi card member since XX/XX/2008, I have NEVER been late on my payments, not with a Citi nor with any other bank. My credit speaks for itself. Since this incident I have suffered enormous emotional stress as I have worked hard for years to have an exceptional credit score and as a XXXX XXXX XXXX this 30 days late will have a seriously negative impact on my business. 
The 30 days passed due on my credit report is inaccurate so I am requesting that this item be removed immediately please.
Consumer complaint received 2020-01-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpine Credit, Inc (CO)

I received a letter from Alpine Credit saying they were attempting to collect a medical debt from me. They claim that the debt is from an imaging company. I have not had imaging done in the past year. I emailed them asking for additional and basic details surrounding the collection. They failed to respond. The details I need to confirm if the debt is legit include the patient name, date of service, and what the service was. These seem like basic details that should be provided in the initial collection attempt. This seems fraudulent.
Consumer complaint received 2022-02-20
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: EQUIFAX, INC. (TX)

Theres a list of inquiries on my report that were not made by me. I havent inquired about anything over a year and a half. These inquiries are not valid and should be removed. 

Inquiry details XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXXXXXX XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX
Consumer complaint received 2015-07-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

Experian is reporting inaccurate information on XXXX collection accounts ; XXXX account # XXXX and XXXX. They are showing as if they are new collections and they are not. This is affecting my credit scores negatively. Account XXXX was last paid on XX/XX/XXXX. Account XXXX was last paid on XX/XX/XXXX. These errors need to be corrected immediately or the accounts deleted off my credit file.
Consumer complaint received 2020-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (DC)

I am in the process of clearing negative items that the are marked as " CHARGED OFF '' on my report. The reason being is that no credit reporting agency per the FCA has the written instructions from the consumer to include ANY information on a consumers file. I have disputed the items many times to no avail and without proper documentation per the FCRA. These items are negatively affecting my reputation and credit file which is hindering the consumer to partake in the natural course of banking which is advocated upon by Congress. These are written instructions and demand from the natural person to have these inaccurate and negative items removed immediately from the credit reports of the consumer XXXX XXXX- Status incorrect- account paid- monthly payment {$0.00} XXXX XXXX XXXX- No attached collections acct-still report 3 years after closed ALL EMPLOYMENT SHOULD BE CLEARED XXXX XXXX- still updating 1 years after close Lastly the consumer does not fit the criteria for any closed account per the FCRA
Consumer complaint received 2022-08-04
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  US SM BUS ADMIN ODA Federal , has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-10-12
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (FL)

XXXX XXXX, XXXX. My wife and I are XXXX and live at XXXX XXXX XXXX, The Villages XXXX. I am a XXXX XXXX and was simply attempting to refinance my home to pull some additional cash out on a new VA loan to complete final home XXXX. 
I had refinanced almost 2 years earlier and pulled almost {$100000.00} of cash out of equity on a VA loan to install hardwood flooring throughout, a 16X20 fully functional square footage screened in XXXX, new paint throughout, irrigation system, landscaping, etc. My VA appraiser then was XXXX XXXX, assigned by the VA to appraise my home on the golf course and her result 17 months ago was {$320000.00}. That was fine as I took the cash and made the over {$50000.00} in improvements. 2 months ago, we decided to do our last refinance and pull additional cash out to install a gourmet kitchen, bathrooms, etc. The bank was Flagstar Bank that we applied with. Two men showed up to appraise our home in a pick-up truck one named XXXX XXXX and the other did not identify himself yet they both handed me XXXX XXXX cards and said they were also Realtors. Does n't that violate Dodd/Frank or Respa?? They paid no attention when I tried to show them the improvements that I had made and the XXXX I planned to make and were in my home for no more than 8 minutes. Being a retired real estate appraiser, I gave them some information concerning comps to make their job easier yet they did not bother to look at or take the documentation with them. In closing, 15 days later, Flagstar Bank notifies me that my appraisal was complete and the value was {$250000.00}. The comps that were used were all over 1 mile away, one was a short sale and one was a XXXX. These guys simply " mailed this appraisal in '' for lack of a better word. In closing, I will be notifying the VA today with complaints and a re-consideration of value as I have evidence of 8, YES, 8 sold comps within .35 miles of my home, on the golf course that have all sold within the last 4 months for in excess of {$370000.00}. These men should not be licensed real estate appraisers but rather they should be used car  salesman. In closing, XXXX XXXX, approved by the VA is going to appraise my home again per my request. Being a retired Executive from XXXX XXXX, XXXX, I will be writing to my former neighbor and now the Secretary of HUD, XXXX XXXX XXXX. I feel like my wife and I were taken advantage of for {$450.00} as the appraisers would not speak to us as I am XXXX XXXX XXXX and my wife is XXXX, not to mention only providing 3 comps on their valuation that were horrible, far away, inferior and useless. Please reach out to me at XXXX XXXX XXXX so I can provide you with all of my additional documentation. XXXX XXXX. XXXX XXXX XXXX
Consumer complaint received 2022-11-21
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: EQUIFAX, INC. (KY)

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2, it also states a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crime which antedates the report by more than XXXX 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 have reasonable cause to believe the information is inaccurate.
Consumer complaint received 2020-01-12
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2016-05-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NY)

On friday XXXX XXXX 2016 I went to wells fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to open a account with wells fargo checking and saving and I call early moring services and for some reason I can not get to them it doesnt take me to speak to a representative to find out about opening a account with wells fargo that have been declined to my request.. thank you
Consumer complaint received 2016-12-22
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: JPMORGAN CHASE & CO. (FL)

I submitted a Chase XXXX transaction to an individual. Unfortunately for some reason Chase routed the payment to the incorrect account that was not in the recipients name to XXXX, even though they had a Chase account and the associated phone number is with Chase. The payment was transmitted by Chase and accepted by XXXX. XXXX had that number associated with the wrong individual and accepted the remittance even though it was not in that person 's name and was not associated with the account. Chase is saying this is a " self-service '' tool. That is not a valid response ... a check is a self service tool. For example, if my XXXX was on check ( Aperio strategy ) but my LLC that is attached to XXXX Results, was not, Chase would and should refuse to cash that check. Even though the account numbers were correct and matched, the name did n't. The same happened here and the transaction should have been refused. I 've already contacted Chase and the recipient has contacted BofA and each are blaming the other ... to make matters worse, Chase is claiming 'because it 's a self-service tool they have no responsibility. As a courtesy they will try to recover the funds. '' They have not to date and i 'm contacting you, because i 'm sure i 'm not the only person this has happened to.
Consumer complaint received 2022-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc (TN)

I would like to dispute the errors listed below : While viewing my credit report I came across several errors on two different accounts. The first account error is Hunter Warfield, I am currently paying on the current balance of XXXX. On the account listed above both XXXX and XXXX have inaccurate /different total balances. They also both have different ( last reported ) dates as well as different ( last active ) dates. 

Secondly, the second account by the name of XXXX has both different ( last active dates ) listed under two credit bureaus. XXXX and XXXX both have different active dates