davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-30
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: FACTUAL DATA CORP. (OH)

I was filling out a mortgage calculator through XXXX XXXX website is XX/XX/2019. I was simply just trying to see what the mortgage would be on a house I had come across for sale. The website asked for basic public information and I provided it. This was not some lengthy application, I filled this out while standing in line to check out groceries. I assumed they were collecting information so they could spam my email to death with lenders in my area for potential mortgages. However, within minutes of finishing filling out the form I started receiving calls from all over the country. I answered one call & the gentleman rattled off my social security number which I absolutely did not provide. Shortly there after I got a notification from XXXX  XXXX  stating Factual Data had pulled my credit without my informed consent. I contacted XXXX XXXX to put a stop to this immediately and froze my credit. However, I have been unable to get the hard inquiry removed from my report.
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (PA)

i disputed once with the credit bureaus in which i received a letter saying this debt

was verified. I then reached out to credit acceptance corp a
nd they say it is validated ... .How can this account be verified and validated when there are tons of inaccurate information being reported? I have attached a copy of the contract they sent with the obvious different spelling of the name similar to mine. i have never lived at that address either.

i am attaching a copy of both letters. 

This account is reporting on XXXX and XXXX  ( XXXX  deleted ) with 2 different dates of last activity XX/XX/XXXX and XX/XX/XXXX this account has been reaged. 

And account type reading as an auto loan when in fact it should read credit sale. 

I have attached a copy for your review. these are clear violations and there is no possible way they conducted a proper investigation as required by law. 

i also contacted the credit bureaus pertaining to XXXX XXXX as they are reporting a tradeline tied to this account they also stated that this is verified. i am attaching a copy of the letters sent to them. There are multiple violations and inaccuracies reported.
Consumer complaint received 2020-03-30
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DPT ED/XXXX  XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DPT ED/XXXX  Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DPT ED/XXXX
Consumer complaint received 2021-10-18
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: EQUIFAX, INC. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-03-30
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. (PA)

i disputed once with the credit bureaus in which i received a letter saying this debt was verified. 
I then reached out to XXXX XXXX XXXX and they say it is validated ... .How can this account be verified and validated when there are tons of inaccurate information being reported? I have attached a copy of the contract they sent with the obvious different spelling of the name similar to mine. i have never lived at that address either. 

i am attaching a copy of both letters. 

This account is reporting on transunion and XXXX ( XXXX  deleted ) with 2 different dates of last activity XX/XX/XXXX and XX/XX/XXXX this account has been reaged. 

And account type reading as an auto loan when in fact it should read credit sale. 

I have attached a copy for your review. these are clear violations and there is no possible way they conducted a proper investigation as required by law. 

i also contacted the credit bureaus pertaining to XXXX XXXX as they are reporting a tradeline tied to this account they also stated that this is verified. i am attaching a copy of the letters sent to them. There are multiple violations and inaccuracies reported.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

My account shows that it was charged off, I believe this occurred while I was unemployed and wasn't receiving benefits which I did explain to them when it was happening. Nevertheless, I am finally able to settle the account and would do so if they remove the blemish from my credit report. They informed me on XXXX at approx. XXXX XXXX  CT they can not do that but did acknowledge they are responsible for the credit reporting note. 

They originated the account and hold the debt but said they are unable to negotiate any settlement. But I still have a blemish and no means of removing the mark from my credit report.
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

TransUnion LLC XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DPT ED/XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2021-10-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lewis, McDonnell & Associates (MO)

I asked for debt validation, they refused. Inaccurately reporting on credit bureaus for a debt that is not mine. This was removed years ago due to identity theft from another collection agency trying to collect this as well. This company is a a junk debt collector and they are inaccurately reporting and will not provide any validation proof. They are also making threatening and harassing phone calls to me, my family and employer.
Consumer complaint received 2022-08-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (OH)

I had XXXX lines on a family plan with XXXX for me and my XXXX childIren. In XXXX My children transferred their phone lines to their own new accounts along with their phone and accessories balances. My daughter still has her line open today and my son switched to a military plan. I had to close my line due to losing my job and illness and the most I owed was {$170.00} for the past due usage and for my phone. XXXX sent a final bill {$3000.00} for all XXXX lines plus additional amounts that they would not explain. It was not for phone usage because they were quick to turn my phone off XXXX weeks after my bill was due if I did not pay. After fighting and disputing with XXXX for XXXX years they said they fixed the account and cleared it, but instead of clearing the account they sold it to Convergent Outsourcing. I filed for Convergent Outsourcing with XXXX and XXXX and reached out to the company itself and asked for a detailed itemized list of what they said that I was supposed to owe on XX/XX/XXXX and XX/XX/XXXX. Convergent OXXXX sent me a chopped up final bill just showing an amount and not what the amounts are for. I do not owe this amount so the information that is on my credit report is false.
Consumer complaint received 2022-10-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX I received letters in the mail indicating that a bankruptcy on my credit report was validated. The credit bureaus ( XXXX, XXXX and Transunion ) and XXXX XXXX failed to provide documentation stating where they are validating their information. The XXXX XXXX XXXX Georgia verified that they did not provide any information to third parties regarding any bankruptcy in my name. In addition, they validated that placing public records from PACER onto an individuals credit profile is illegal and UNJUST. According to the Fair Credit Reporting Act 15 U.S.C. 1681-1681x, Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. Investigation must include providing documentation and/or proof of the process in which information is validated. My rights are currently being dismissed.
Consumer complaint received 2022-12-29
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. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still an accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm this account ( XXXX ). ( A ). 

XXXX XXXXXXXX
Consumer complaint received 2020-03-30
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. (PA)

I am a recent victim of identity theft. I am a consumer in pursuant of 15 USC 1692-A3. XXXX Transunion and XXXX are in violation of 15 USC 1681 ( B ) ( D ) ( G ), failure to delete requested accounts, names, addresses and inquiries, related to identify theft. Please remove requested accounts, names, addresses and inquiries. AN FTC / Police report was submitted XXXX, 2020 and accounts are still reporting fraudulently. 

XXXX ACCOUNT # XXXX AMOUNT {$7300.00} XXXX XXXX XXXXXXXX XXXX OH XXXX XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT {$0.00} XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XXXX XXXX  ( INQUIRY ) XXXX XXXX XXXXXXXX XXXX XXXX SD XXXX XXXX XXXX XXXX # XXXX {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2020-03-30
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: EQUIFAX, INC. (PA)

I am a recent victim of identity theft. I am a consumer in pursuant of 15 USC 1692-A3. XXXX, XXXX and Equifax are in violation of 15 USC 1681 ( B ) ( D ) ( G ), failure to delete requested accounts, names, addresses and inquiries, related to identify theft. Please remove requested accounts, names, addresses and inquiries. AN FTC / Police report was submitted XXXX, 2020 and accounts are still reporting fraudulently. 

XXXX/XXXX  ACCOUNT # XXXX AMOUNT {$7300.00} XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT {$0.00} XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX ( INQUIRY ) XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX ACCOUNT # XXXX {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2021-10-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (DC)

After completing a deferment agreement, I requested a escrow analysis to determine what my new payment would me. After the escrow analysis, it was determined that my new payment would be approximately {$1100.00}. When I inquired as to why the payment was significantly higher than my pre-covid payments, I was was told I was paying for additional insurance. I explained that my PMI was no more than {$51.00} a month and my pre-covid payments were approximately {$750.00}. I was told there was an additional {$350.00} added to pay HOA assessments. I asked when and how this assessment was added to my mortgage payment and I was told Community Loan Servicing was making HOA payments on my behalf since XX/XX/XXXX. 

No correspondence was ever provided that they would be paying the monthly HOA assessments. There was correspondence that reflected that paid a past due balance on the account of {$16000.00}, but at no point was I informed that were making current payments. I have been paying my HOA assessments since XXXX and was still making those payments. I did not sign a modification agreement which would allow for them to include the HOA Assessments in my mortgage payment. It's my understanding that some of the deferred amount included HOA assessments that were included in loan payments. Problem is, I've been making those payments. No one can provide me with an answer as to why and when this happened. I'm uploading documents which reflect payment details for HOA Assessments from my bank as well as the property management company.

Community Loan Servicing has been making HOA Assessment payments to my HOA from XX/XX/XXXX to present and would've continued to make those payments if I didn't inquire about them.
Consumer complaint received 2020-03-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Society Business Services, Inc. (AZ)

My social security number has been stolen and is circulating on the deep web. I have reached out to Bureau of Medical Economics and many others about this situation to get the accounts removed from my credit report but nothing has been done. I am a victim of fraud and identity theft and now my credit has been tarnished what once was a XXXX credit score is now in the XXXX XXXX because some how my information got out and someone took advantage of it. I haven't been to the hospital since I was a child. I am looking to get this collection account removed so I am able to continue with my life and be able to get approved for a car, house, etc. This has almost ruined my life but I hope we can come to a resolution.
Consumer complaint received 2022-12-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Scheer, Green & Burke L.P.A. (OH)

The last week of XXXX 2020 I fell at home and XXXX XXXX XXXX went to XXXX XXXX XXXX Dr said it went right back into place, Should not need XXXX follow up with XXXX so I did XXXX XXXX XXXX yelled at me right off even though I waited 2 days and 2 hours to see him Scheduled XXXX so XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXHe put it looked like curtain rod hangers ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
So then he scheduled XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I could get my diaper over the hardware and now I had XXXX holes in my foot to heal.took it out.Another XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX I believe he might have put a part in to stabalize ankle ( not sure ) XXXX sent me home with hole and incisions to wound center. 
I actually asked to be dismissed I FELT LIKE AN EXPERIMENTAL patient. He even said this new surgeon wants to look at your XXXX XXXX. After one office staff told me of another woman actually loosing her foot and she took her flowers. I wanted to keep my foot The can Keep the flowers.. 
I was told in lieu of a court case it had been written off because of major inconveience, time, and left with a mammned foot a club foot After their ambulance service tried to bill me for wheelchair miles XXXX?? something riduculous, and my wheelchair sat in my living room until I returned home. 
The hospital has all the XXXX  and documentation to everything I attest to Why would I give a hospital {$1200.00} or {$310.00} to make me have to use a walker for the rest of my life??????? I am in my XXXX 's This whole XXXX practice needs looked at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and sent me home with XXXX aXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX saved my left leg. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXd XXXX XXXX. Laid in XXXX Home 3 months. 
If you don't get your designated outcome then tough sh --. XXXX