davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc. (MI)

I sent a certified mail letter to XXXX  Credit Bureau on XX/XX/XXXX to validate the account that was opened on XX/XX/XXXX with the amount of {$160.00} they are reporting on my credit report. XXXX  responded saying they would contact the creditor about the item I disputed and have results back in required time if not they will update and delete information. They have failed to send any validate information or delete from my credit report but they are still updating the status of the account
Consumer complaint received 2020-10-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: MECHANICS BANK (CA)

On XX/XX/2020 i was called by my auto loan company, and was told i need to pay a pst payment and past late fees that have generated i told them i was able to pay both of as of right now but need to make sure that the late fees were applied correctly Over recorded call i was told that would be guaranteed and she would even follow up with me Today is XXXX PST and just got off the phone with an employee and manager and was told they just paid my next car note, i told them i was unsatisfied and next car note not even due yet and it's putting me in a bad situation because not late fees are still there and receiving phone calls They told that's the way it is done and nothing they could do The auto deal is XXXX XXXX XXXX
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

i am a victim of identity theft. currently the FBI has informed me that they are investigating the suspect by the name of XXXX XXXX. i have not applied for any credit, nor have i caused any inquiries since XXXX the following information has been my only information since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, i have never applied for student loans nor any loans. i am XXXX and have never had an employer. i have never had a bank account and the only credit account was from XXXX : XXXX XXXX. i have never lived in an apartment nor have any evictions.
Consumer complaint received 2022-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I recently disputed some inaccurate items on my credit profile that should not be on there ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I asked them very specifically to let me know the method in which they went about their investigation. Their method was never communicated to me. This leads me to believe that they are consistently using some computer generated artificial intelligence with my disputes. After speaking to a rep yesterday ( XX/XX/2022 ) I was told that they use a computer to contact the credit card company to VERIFY this information. This verification method holds no validity as they are getting a simple Yes or No without a true investigation. They dont provide a day that these accounts were allegedly applied for, an IP address, or a signature. This company is HORRIBLE. They dont have a true investigation.
Consumer complaint received 2022-04-07
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (FL)

Letter sent to the bank on XX/XX/XXXX. Tried for 3 days to call, either no number available, or on hold for 45 minutes, twice. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX  XXXX Re : Plan XXXX XXXX : I had received a letter from the Social Security Administration ( `` SSA '' ) concerning Potential Private Retirement Benefit Information under plan XXXX 

I had been an employee of XXXX  which had been taken over by XXXX XXXX XXXX Bank. The last address of record that I remember giving to the plan administrator was XXXX 

The document from SSA indicates a value of $ XXXX, reported in XXXX. Copy of the letter, which has my social security number is attached. 

Could you please review your records to see if the balance, or any portion is still undistributed? If you have any questions, please contact me via e-mail at XXXX 

Thank you for your consideration. 

/s/ Att : letter from Social Security
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

A 26 day hold was put on my credit card for absolutely no reason. Capital One had no answer as to why and refused to reverse the hold. I have been a good customer always making payments on time and always using my card consistently. The money was taken from my bank account and then held for no reason what's so ever. Here Capital One is earning interest off my money they are holding hostage.
Consumer complaint received 2022-04-07
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. (FL)

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$0.00} / XX/XX/2018
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (NY)

Midland Credit Management Inc is pulling my XXXX XXXX credit report for account reviews when they have no account to review for collection the account that they did have has been closed to all collections for being exempt from debt collection due to being on Social Security XXXX for life so they have no right to pull any of my credit reports for account review unless they are attempting to collect on exempt funds they closed the account and stop all further collections. they have no reason to review my reports for an account they can not ever collect on.
Consumer complaint received 2018-07-27
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: Midwest Recovery Systems (MO)

Over the years I've had problems with family members credit accounts being wrongfully reported to my credit file including bankruptcies!. Recently my sister 's medical bills totalling more than {$4500.00} from XXXX XXXX XXXX have been put on my credit report and I've contacted Midwest Recovery Systems who is the collection company handling the accounts. I've asked on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to please correct this problem. XXXX out of XXXX accounts were removed in XXXX but there is still one account that remains on there and continuously damaging my score. In the past my mother and father filed Bankruptcy and that public record landed on my credit report for years! I was unable to get a car, house, or anything. I didn't know where to go for information. I finally walked into a bankruptcy office and showed proof of identity and they removed it. This also happened with my younger brother using his nick name and resulted in medical bills totaling {$7000.00} being inaccurately reported to my file. I worked hard to removed those accounts. It's unfair and not right that these company 's just pin these accounts on family members of the people that benefited from the credit accounts. They also need to find a better way to find the people. I was told that MRS looked up the address and reported the delinquent account that way instead of reporting the account by the social security number. XXXX by address is XXXX and is wrong, not a good a practice because my sister and brother did live with me at one point. I have never had a fair chance to improve my credit score because of all of this. I am wondering if there is any way I can be compensated? Thank you. 
Midwest recovery systems XXXX XXXX XXXX XXXX United States Bankruptcy Court
Consumer complaint received 2018-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft, I have filed a police report/Sworn affidavit and have submitted this information to the three major credit bureaus as part of my dispute to show that I am not responsible for the debt that is reflecting on my credit report and dispute after dispute the credit bureaus come back with the same findings, saying they have confirmed and verified the information.

For example, I have two public records showing on my credit record as belonging to me, I State Tax Lien for the XXXX Of XXXX. 

The first record/State Tax lien is for {$12000.00}, the Second Tax lien is for {$51000.00}, according to the credit reports these items were filed on XX/XX/XXXX and XX/XX/XXXX respectively. But again I have proof these items don't belong to me and have submitted proof and documentation. 

I need help in clearing this items from my record because they don't belong to me, I am not sure how the credit report bureaus are verifying this information.
Consumer complaint received 2021-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (KY)

Citizen one bank is the mortgage company. They have been charging forclosue fee but the home is not in forclouse and all payments are current. 
It has been behind. But never should have had foreclosure fee. When I ask about it I am transferred or hung up on. I have since went Thur the payment backing to 2018 and noted fee that I was not knowledgeable about
Consumer complaint received 2018-02-28
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. (DE)

I have several hard inquiries on my Experian specific credit report that I did not authorize and need removal : XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX   XX/XX/XXXX -XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-08-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

About mortgage lender : AmeriSave Mortgage Corporation. 

This lender seems a scheme! It took me 2 months since I applied, paid {$500.00} in advance, and one and half months since I submitted my full documents, my profile hasn't still processed or underwriting. No appraisal as well. I waited week by week and when I gave them a notice of cancellation, the loan officer replied some excuse but didn't response straightly to my request. Three days after I sent them the 2nd notice, they sent me an email stating that they denied my application because of " credit application incomplete ''. I myself work in XXXX XXXX that I know for sure my application is very well qualified. My credit score is above 840 and all employment, salary, my house are perfect conditions. I submitted every documents whenever they required but they didnot process my file. This is lender just paid advertising online to take borrowers an advance fee but is unable to handle borrowers ' application. Since they didnot conduct an appraisal, I requested them to refund me my {$500.00} but they didn't respond. The practice of this lender is very untruthful, untrusted and unprofessional!
Consumer complaint received 2021-10-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Knight Adjustment Bureau (ID)

Back in XX/XX/2021 I signed a contract with urban talent, and that same day was the last time I had contact with the company because I found out it was a scam. I never took any of there classes or did any photoshoots or meet up with any of the people that worked there. I didnt want to pay the XXXX because they are a scam and that I also never took any of the assets that the XXXX was for. Then i get a letter saying I owe XXXX.
Consumer complaint received 2021-05-26
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. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have been disputing fraudulent inquiring on my TransUnion credit report for the last 3 months. I have sent letters to them stating and showing the inquiring are fraudulent and need to be deleted immediately with no results.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section2 : 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
Consumer complaint received 2020-11-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Delivery Financial Services, LLC (AZ)

The collections in question was from a hospital called XXXX Hospital that went bankrupt and shut down. All records and billing were ordered to be destroyed. I have disputed this debt and asked for debt validation repeatedly, as recently as XX/XX/2020, and have received nothing. I am not even positive what this bill is for, but I know that I had medical insurance at the time and it would have covered this debt had the hospital contacted my insurance. They can not even provide me proof that they did send it to my insurance because all records were destroyed. When I asked for them to remove it, they told me that they will not, and even if I paid it in full, they will not delete it from my credit. I thought it was a HIPAA violation as well to keep paid medical debt on a credit report, and if they can not provide me with medical records to confirm who the debt is for and what it was for, how can they still report this to my credit? I am thoroughly disgusted with the way that this entire situation has been handled. If the hospital no longer exists and did not send my insurance the information, I do not owe this debt and it needs to be immediately removed from my credit report.
Consumer complaint received 2021-05-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (TX)

I was unfortunately the victim of scam from a holder of an Account at M & T Bank. The M & T Bank account was attached to my XXXX account as an external account. I had money transferred from that external account to my XXXX account on XXXX. On XX/XX/XXXX XXXX told me that the funds were in my account but still pending. On XX/XX/XXXX I received and email that the funds were debited from the external account and available in my account. I called the bank to confirm and was told yes they were. Now I have a letter dated XX/XX/XXXX that the account is closed and that they didn't get the funds from MT bank and so I am overdrawn. I have the account information for MT bank where the scam is taking place. This is also being reported to the Federal Trade Commission and the Banking Authority in Texas ( where I live ) as well as Florida ( where the scam people are located ). 

The files I am uploading are on the XXXX side ( the only account that I can control and have access to ) but show that the funds were taken from MT Bank
Consumer complaint received 2018-02-28
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Santander Consumer USA Holdings Inc. (MA)

I purchased this vehicle at a desperate time. Santander approved the loan which was considered a bad loan ( See XXXX million settlement information for Massachusetts ). I got to a point where i could no longer pay for the very high vehicle payment ( {$550.00} ) interest rate of 21 %. The vehicle got repossed two times. i will include why they violated all of my rights and didnt follow the law. 

1. When i was late on the payment they were very aggressive on the phone with me and threatened me with repossession and yelled at me. 

2. called my employer, requested a supervisor and told my supervisor i was late on my car payment and that i needed to make a payment. Gave him details of my account. days i was late and amounts. 

3. I didnt receive notices prior and right before the repossession.

4. the car was repossessed from my long shared driveway. my car was all the way at the end of the driveway. it is shared by 2 houses with one of them being condominiums and owned by 4 owners. Not in a public way and didnt get permission from anyone to go in the driveway. This is against the law. 

5. on the repossession mentioned above. it was conducted at XXXX. I only know this because the repo man knocked on my door, rang the bell and woke me up. totally disturbed my peace and my neighbors who all woke up. He showed me the order from santander for repossession. 

6. I received the vehicle after paying crazy fees. when the vehicle was taken it was damaged and also involved in a hit and run. i got a check from the insurance to repair it. 

7. i continued to struggles with backed up payments. the repair check was sent to santander. i called and told them i planned to return the vehicle but wanted it fixed first prior to selling it at auction. 

8. I took the vehicle to an autobody shop. he could not get the check from santander who refuse to release it. Eventhough the check was from my car insurance that i paid for and had every right of the check. 

9. Santander once again violated more rules and repossessed the vehicle from the auto body shop. talked to the owner and he said they never released the check and they showed up in the morning and took the vehicle. 

10. the car was never repaired as requested by the insurance. the vehicle was sold at auction damaged and i never received any notice of the sale or anything. the insurance check is still unknown what happened to it. they cashed it? spend it on gifts? i dont know. 

11. Santander is still haunting me. i cant purchase a home for my family and live in a tiny apartment because they destroyed my credit.
Consumer complaint received 2021-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (SC)

I called customer support at fifth third bank on Friday XX/XX/XXXX for help doing a mobile deposit of my stimulus payment I got the help I needed and was told my funds would be available on Saturday XX/XX/XXXX when I checked my account the funds were not available I contacted customer support again and was instructed to go to the bank branch which I did I deposited my check just to be told my funds would not be made available until Tuesday the XXXX I then requested to just cash the check and I was instructed they could not cash the check I pointed out that it was a check from the US Treasury I have banked with this bank for over 4 years as a result of this I had to borrow money and extend my car loan payment which has cost me over {$150.00} in Interest
Consumer complaint received 2022-10-12
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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