davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

There is a mortgage in the name of XXXX XXXX XXXX held by XXXX XXXX. This mortgage is the responsibility of my ex-wife to pay as part of our divorce. About a year ago this appeared on my credit reports. I had no idea what it was at the time, and reached out to the company. This is a 50 year mortgage, and yes, you are reading that right, a 50 year mortgage on my former home in Virginia. 
My ex-wife has been frequently delinquent in making the payments. In all these years, I have never seen or heard of this. It has never before appeared on ANY of my credit reports before last year. 
First, to clarify, my legal name is XXXX XXXX XXXX, not XXXX. As these credit reporting agencies can confirm, I have never been late or defaulted on any of my payments to anyone. There were a few negative entries on my report, which I satisfied in 2015 or there about. Since then, my credit has been spotless in regards to meeting my obligations. I do have a sizable credit card debt, which I have been paying down, and again, have never missed a payment, not on a card, my home or my car loan. Never. 
I have tried to get clarification on this 50 year mortgage from XXXX, which apparently took over this mortgage from their acquisition of XXXX XXXX. I always received the same reply. That they were looking into it. Besides the fact that this could be construed as a predatory lending practice, that is another issue, but tied to this, as they reported this mortgage to the major credit agencies attached to my reports. 
Just to explain why it has taken me so long to do anything about this, I have no desire to cause injury to my ex-wife, or my daughter, who also lives in the home. Basically, in regards to this mortgage, I am in kind of a hostage situation, as I know nothing about this mortgage, nor any other detail other than the length. No origination date, interest rate, nothing. 
To come to the point, I want all references to ANY reports with the name XXXX XXXX removed from my credit. This is not my legal name, nor are there any obligations that I have in the name XXXX. I go by XXXX on some ( if you went through life with the name XXXX XXXX, you would appreciate why. ) but mostly XXXX, my legal name. I have tried to work with the big three reporting agencies, but to no avail. 
This reference to XXXX XXXX has totally trashed my FICO score unjustly. They can go back and see that this XXXX reference NEVER appeared on my credit report prior to last year. 
All I am asking for is anything in the name of XXXX or XXXX XXXX XXXX be removed, and my credit score revaluated based on my true and current credit history.
Consumer complaint received 2022-09-09
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: Experian Information Solutions Inc. (NV)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete the following items as soon as possible : XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2022 EXPERIAN XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX, XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2022-02-15
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. (CA)

For the XXXX account, first of all this doesn't belong to me. When I tried to resolve it with XXXX, and even offered to pay it off so that I would not owe a debt that " allegedly '' belongs to me, they refuse to even let me fix the issue! I shouldn't even have this account on my credit report! 
For the XXXX, they made the mistake for them reporting these lates on my account. I have tried to have them own up to it and fix them but the absolutely refuse to. The lates are seriously affecting my credit.
Consumer complaint received 2017-07-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (NY)

i sent a western union on XXXX-2017, i received call from receiver money was refunded, it was sent to XXXX to pay for hotel, tracking # XXXX, i called western union they say it was refunded, i will pick it up tomorrow, i like to know why was money refunded, because i sent money before with no problems, my name XXXX XXXX, email XXXXXXXXXXXX
Consumer complaint received 2021-08-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (IL)

Hi my name is XXXX XXXX, I am seeking advice in regards to a judgement that has been placed against me by Midland credit management. The case has been turned over to XXXX XXXX XXXX. I was not aware of this judgement until recently when I checked my credit and reached out to Midland credit management to inquire about the collection and was told it was on a legal hold. I was never sent a letter or any other notice or phone call stating this was going on or given opportunity to take care of the problem before it got to this point of a lawsuit. I have reached out to the law firm and was told they had a court date coming up in XXXX but they will not give me the date or any other information.I have not been served anything in regards to the matter. When I call I feel they are only trying to collect information against me and not allowing me to rectify the situation. At this point I am unsure of what measures I can take and can not afford anyone to garnish my wages.
Consumer complaint received 2017-09-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NV)

I have been trying since XXXX XXXX to close my XXXX husband 's PayPal account. I was informed he has a balance of {$690.00} in the account. I contacted PayPal Customer Service and was informed I needed to send documents ( i.e., XXXX XXXX, my driver 's license, document naming me as trustee/executor, etc. ) to FAX XXXX. I made several attempts to FAX these documents and when I followed up I was informed the documents had not been received. I wrote a letter in XXXX, XXXX describing all my efforts to FAX the documents. I only received another e-mail saying to FAX documents to XXXX. I also made a complaint to the Federal Trade Commission, Reference # XXXX.
Consumer complaint received 2017-04-25
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: AES/PHEAA (FL)

This complaint is with fed loan servicing Servicing company for Department of Education  As  of    XXXX    2015    Fed loan servicing has me marked 120 days late in my credit report.   I have proved to them with my p aper work three times that I was never late or missed payments, and three times I got back ( my claim is  denied ) How can I go about this?
Consumer complaint received 2017-07-07
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: Experian Information Solutions Inc. (CO)

I 've written letters to Experian in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXof XX/XX/XXXX& XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX regarding inaccurate, fraud victim and outdated information showing on my reports. All 3 bureaus removed and reinserted the same information I disputed. I 've sent certified mail and there response time is not timely. I 'm very frustrated and after reading sec. 611 609 & 623 my rights were violated.
Inquiries : XXXX XXXX XXXX : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : :XXXX  XXXX XX/XX/XXXX XXXX : :XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : :XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX : :XXXX XXXX XX/XX/XXXX Inaccurate Information : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX( old ) XXXX XXXX XXXX XXXX XX/XX/XXXX ( old ) WXXXX XXXX XXXX XXXX XX/XX/XXXX ( old ) same acct number x 2
Consumer complaint received 2018-01-05
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: Experian Information Solutions Inc. (LA)

Dear sir or madam, I have reached out to your company about 6 times in reference to these accounts, XXXX XXXX XXXX and XXXX XXXX XXXX, that these debts are not mines!! the company XXXX XXXX XXXX is collecting for a leased apartment in phoenix Arizona where i never lived and the same for XXXX XXXX XXXX.. I have provided you with my past lease of my address here in XXXX XXXX where i have lived for the past 6 years. XXXX XXXX XXXX is charging me an outstanding amount for a debt that is not mines!!! {$46000.00} where in the world would you think i would lease an apartment in Arizona where i have not lived which means the apartment would have been {$3800.00} a month, i do n't make that much in a month let alone to pay rent for that high amount!!! I guarantee they can not verify that i lived there with out a lease with my drivers license and signature. The company XXXX XXXX XXXX is charging the debt to me for is no longer in business and you are reporting negative information that is a defamation of my character. Im a single mother trying to start my life again and these accounts are detrimental for me and my kids ... XXXX XXXX XXXX have charged me for a lease that 's not mines as well. Please have them validate correct or delete now!!!. i have included my lease from my pass address where i lived including the calculations and research from these supposedly apartments these creditors have purchased debt not mines ... thanks XXXX
Consumer complaint received 2017-04-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (VA)

On  XXXX   XXXX   XXXX  I traded my  XXXX   XXXX   XXXX  for a  XXXX   XXXX   XXXX  pursuant to an accident on  XXXX   XXXX   XXXX . My wife did not like the old car after it was repaired and we opted for a newer different car. The  XXXX  dealer did not make the next timely payment nor payoff to the prior finance company (  WFDS  ). I received a late notice and submitted a {$600.00} loan payment by telephone on  XXXX   XXXX   XXXX . Subsequently I have tried to get my refund from WFDS who advises me they sent the payment on  XXXX   XXXX   XXXX  to my old address. On numerous occasions I notified WFDS by telephone that my new address is in  XXXX , VA and not  XXXX , VA. They are holding m e hostage to t heir procedures claiming that I have to sign and submit an affidavit that I did not receive the refund - in other words putting the burden on me for their inefficiencies. Plus to add insult to injury they did not send a postage paid return envelope. Based on the time value of money,  WFDS  is procrastinating refunding my overpayment plus an additional {$46.00} from the original payoff transaction. I contacted them in early  XXXX   XXXX  when we moved into the new house so they would have the correct address. I also contacted them in  XXXX ,  XXXX  and  XXXX . They claim not to have a record of the change of address until my follow-up complaint in  XXXX .   I have not seen their payment. I do n't have any idea where or if the payment was sent. I have no control over what they are doing with their procedures.   I would also propose that a fair penalty to them would  be 10 percent of the refund if they ever get it resolved.
Consumer complaint received 2023-02-22
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: Atlanticus Services Corporation (MO)

In accordance with the fair credit reporting Act this creditor has violated my rights Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC section 604 section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on credit card account under an open consumer credit plan as late for any purpose. XXXX XXXX XXXX, XXXX XXXX XXXXXXXXXXXX XXXXAspire XXXX XXXX XXXX
Consumer complaint received 2018-01-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (NV)

MEDICAL BILL FOR MY SON FROM 2012 OR 2013, THAT HE WAS DOUBLE COVERED FOR INCLUDING A SECONDARY INSURANCE OF XXXX. IF FACILITY DID NOT BILL IN A TIMELY MANNER OR MISS BILLED, THEY NEED TO WRITE OFF BALANCE AS THEY WERE AWARE I/ MY SON WAS DOUBLE COVERED WITH INSURANCE/ XXXX. THIS IS EFFECTING MY CREDIT, BEING A SINGLE MOTHER OF XXXX, AND DOUBLE COVERED WITH XXXX, THIS BILL NEEDS TO BE WRITTEN OFF
Consumer complaint received 2017-07-29
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SECURITY FINANCE CORP (AZ)

Notified Security Finance that I was dealing with their Corporate office due to them running my credit multiple times and I only authorized one transaction. Calling my phone 5+ times a day. Calling my references multiple times. Contacting people I did NOT even put on my reference sheet. Harassing and not Professional collection practice.
Consumer complaint received 2018-03-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C. (NY)

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I have and old XXXX XXXX vehicle loan on my credit report. The account is showing status as XXXX-XXXX days late. Its completely inaccurate because account is paid and closed since 2011. I contacted XXXX XXXX  about account. They agreed to clear it up but Equifax refuses to fix account status even though account is closed and paid. The account status is obviously inaccurate because I contacted XXXX XXXX and they said that the did n't even report the payment history for that account so that should have fix.
Consumer complaint received 2019-10-20
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. (FL)

Trans Union is incorrectly reporting my XXXX XXXX account as a charge-off when it was included and discharged in bankruptcy ; also, Trans Union is incorrectly listing the closed date of my XXXX account as XX/XX/XXXX, XXXX thus lowering my credit score by 15 points as it looks like a recent missed payment/delinquency. The actual closed date was XX/XX/XXXX ; previously, the closed date was listed as XX/XX/XXXX. 

Trans Union can look at past credit reports and know that what I am reporting is true.
Consumer complaint received 2017-09-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc. (HI)

Received a notice of the debt in XXXX with no other validation. After my research I have discovered that this entity is not authorized in the state of XXXX to collect a debt, as they are not licensed or bonded by state guidelines.
Consumer complaint received 2017-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance
Consumer complaint received 2018-01-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Accounts, LLC (GA)

The company is placing false information on my credit that is false I have reported to them and the credit bureau that the information is wrong. 

CAPITAL ACCOUNTS LLC XXXX XXXX XXXX XXXX, TN XXXX Stated date XXXX XXXX, 2015
Consumer complaint received 2022-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

On XX/XX/2021 I received a letter from Midland Credit Management stating that I owe {$1000.00} for a contract that I never signed with them. Under the consumer law I consider this identity theft because they purchased my information and now trying to get money from me and have been reporting to the credit bureaus which is bringing my score down. XXXX XXXX XXXX sold my information to this company which is illegal under consumer law 15 u.s. 1681 and 15 u.s. 1692a
Consumer complaint received 2021-09-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: JPMORGAN CHASE & CO. (NY)

I have tried submitting this complaint but it was confused for a separate complaint I made at previous time. There has been nothing but issues when working with Chase bank in regards to the Paycheck Protection Program loan that I received for my business. This complaint is in regards to the servicing of the loan. After having part of the loan forgiven, Chase failed to update the loan term extension I requested that they offered for the loan balance. I was billed a much larger monthly bill under the 2 year loan term instead of the lower monthly payment amount under the 5 year term I agreed to. After calling and being transferred to several different departments I finally was told that I needed to speak to my local branch account representative, who also is unable to help. I was told initially that I would not be held responsible for the payment under the 2 year term but I am now being required to pay both balances. Not a single person was able to assist me and it seemed that the " correct department '' they transferred me to had no idea how to help either. I can not make the larger payment amount while my business is still recovering from the affects of the Pandemic and need this error to be corrected.
Consumer complaint received 2017-07-28
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: Experian Information Solutions Inc. (NC)

I have 2 account showing on my Experian credit report that should not be on it. The first is an fraudulent account that was settled with the XXXX and written off. XXXX agreed to remove account. I sent proper documentation to all 3 credit beuros, the other 2 deleted the accounts but Experian refuses to delete or investigate account. Just keep stating that account is verified and refuses to send me info on who or what investigation took place and there documentation. The other account is a collection that should have never been sent to collection from medical from when I was hurt at work. Insurance and workers comp paid and reimbursed all bill, I sent documentation to Experian but they refuse to delete or reinvestigate.
Consumer complaint received 2022-09-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMW Financial Services NA, LLC (MD)

I paid off the vehicle on XX/XX/XXXX. The state of Maryland requires the lien release to be submitted with in 5 days receiving full payment. BMW Financial Services refuses to provide the lien release SUMMARY OF LIEN RELEASE REQUIREMENTS The Maryland Department of Transportation Motor Vehicle Administration ( MDOT MVA ) is informing lien holders that, as of XX/XX/XXXX, all lien holders and dealers who offer the service of financing motor vehicle liens, and engage in the business or practice of financing motor vehicles, are required to : Electronically submit their lien releases to the MDOT MVA, through their selected XXXX XXXX XXXX ( XXXX ) vendor, within 5 business days of receiving full payment for a motor vehicle lien, and If a lien holder/dealer meets the above qualifications and is not already a participant of XXXX, they need to contract with one of the specified vendors listed below for XXXX in Maryland before XX/XX/XXXX.