davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (OH)

This account {$340.00} for CommonWealth Financial for XXXX XXXX XXXX XXXX showed up on 2 of my credit reports XXXX and XXXX. It was from 2012 apparently and supposed medical bill. This collection account was purchased from XXXX XXXX XXXX XXXX and then sent to Commonweath Financial. I disputed said account as it only had my name and nothing else. I made calls for about 2 weeks and unable to actually verify debt. When disputing with credit bureaus Commonwealth advised debt is verified but there is no social security number, address has never been mine or the phone number listed. When you see my address on letters from CommonwWealth is because they got it when I disputer with credit bureaus. When I sent in verification of debt with Commonweath they only provided what was sent to them from XXXX XXXX. I have never once received an actual statement or bill regarding this and refuse to pay it. I think it is a shady tactic for collection agencies to throw these accounts on credit reports when debts are 7 years old to try and force someone to pay something that cant be verified other than a name. I have spoke to XXXX XXXX as well and they cant even verify anything outside of my name.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX a person from Sears called me and offer me XXXX XXXX he told me that it was going to be monthly payments, I asked to email/mail me documents saying what he was offering. At XXXX I saw charges in my Sears XXXX for XXXX and XXXX, so I called them and ask again for the documents showing what services I was getting, I called them several times and they ended up giving a phone number for the dept. in charge of Home Services ( XXXX XXXX XXXX with Location at Florida ) which I find out just yesterday, I request these people the documents regarding the home services and again I did not received till the end of XXXX, which was showing that I was in a contract for 1 year. On XXXX I request home services for my appliances/they say they can inspect/do maintenance up to XXXX for the same fee that I was paying {$75.00}, which I paid on XX/XX/XXXX, they send a XXXX  from XXXX XXXX who did not XXXXXXXX XXXX XXXX XXXXnce I was doing XXXX he said it looks like is working Ok, even when I told him that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX he did not care and left me a copy of his receipt. I hired a technician to inspect my washer and he told me that it will be better to buy a new one, which I did on XX/XX/XXXX from Home Depot. See attached documents. 
I want XXXX XXXX XXXX to refund me the money that I paid buying a new washer machine {$940.00} BECAUSE THEY FAIL TO DO THEIR JOB AND REPAIR MY WASHER WHILE IT WAS UNDER THEIR CONTRACT. If they want to replace it for a new one they can do it too, since I hXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Their technician failed to do his job, failing to repair and making buy a new one. 
Thank you,
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Rocket Mortgage, LLC (VA)

Dear CFPB, I applied for a mortgage refinance application with Rocket Mortgage ( Quicken Loans ) and they pulled my credit report on XX/XX/2020 as part of the loan process. While this application is in progress, I would like to see how much can I qualify to purchase a new home and to get a preapproval from Rocket Mortgage ( Quicken Loans ). Then my mortgage refinance mortgage specialist transferred to his colleague who looks after the Home Loan purchase department specialist at Rocket Mortgage ( Quicken Loans ). The specialist called me and he said I'm short of few score points to qualify and provided some pay off amounts. 
On XX/XX/2020 he called me again and asked me about anything that I've taken care as per his suggestion and I told him not anything. He told me that though I didn't payoff anything sometime the National Agencies update the scores and we will figure out a way to get the preapproval. Then I specifically asked the two questions, Is there any impact to my credit report/history? Is my credit score goes down? ... he replied no impact to credit report nor reduction in score. He asked me can I move forward to check, I said yes. As soon as he did refresh my credit report, I did see a " Hard Enquiry '' on my credit report which I was literally shocked because the specialist said no impact to my credit report. I called him the next day and asked the same, then he said that you told me to move forward, I argued that I did say because you told me no impact to my credit report. The argument continued and after a couple of emails between us he CC 'd his boss and his boss called me and told the same thing. He escalated to another department head and he said he will review the calls and get back to me. The third person 's boss called me today i.e. XX/XX/2020 and told me that because I gave the consent there is nothing he can do. I told him again the associate didn't clearly communicate to the customer on the impacts of the action that he is doing though I asked about the impacts being refreshing my credit scores. I told him I am well aware of the Loan process and not a stupid give my consent to get another hard enquiry on my credit report for no changes that I did to repair my credit score. 
Please investigate and do the needful to consumers like me to know the details of the impact when they pull the credit report multiple time during one application process. 
Please call me at XXXX or email me to XXXX if you need more details on this issue. 
Looking forward for your response. 
Thank you and best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-13
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. (CA)

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.

BANKRUPTCY reporting on all 3 of my credit bureaus 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 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.

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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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.

The letters are stated with items and issues.

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 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.

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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-10
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. (AR)

I recently applied for furnisher account and short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So, I checked my credit reports so that maybe I would get a better understanding. After doing so I noticed some items on my credit reports are not mine. I'm unsure of how this happened. I need these items deleted from my credit report.
Consumer complaint received 2023-05-10
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. (NC)

My credit report appears to have been corrupted. I was looking over my records once more when I discovered many items that were not mine. Since I'm a stickler for details, I discovered that you are required by law to remove and prohibit any things that are determined to have been opened as a result of identity theft under section 605b of the FCRA. I do not own the objects in dispute. I've attached the FTC Report that you need ( found through additional research that both parties requested ). You should block or delete these files. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX Balance : {$4600.00} ; XXXX XXXX : {$520.00} ; XXXX XXXXXXXX Balance : {$840.00} ; XXXX Balance : {$520.00} ; XXXX XXXX  XXXX Balance : {$2200.00} ; XXXX XXXXXXXX Balance : {$840.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4300.00} ; XXXX Balance : {$5500.00} ; XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00}.
Consumer complaint received 2019-02-12
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: EQUIFAX, INC. (TN)

The student loans under XXXX XXXX And XXXX are being incorrectly reported. The past due payments are more than 7 years old. I have Disputed this many times as they are too old to be reported but they still remain on my credit report under XXXX and XXXX  And Equifax. Ive disputed this at least 5 times. The past due payments are more than 7 years old and are no longer reportable under the fair credit act!
Consumer complaint received 2020-06-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Closed my BOA checking account ( Debit card ending in XXXX ) in XX/XX/2019. The balance was roughly $ 64.xx. I have called several times to request refund since XXXX BOA claimed to the refund check can not deliver in XXXX Called customer service a couple times more to verify the address and was told the check will be sent out by end of XXXX, then XXXX ... Till today, I have not seen any check delivery. No explanation and no further follow-up.
Consumer complaint received 2023-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (IL)

This debt isnt mine. I've never been to New York. Ive never had XXXX and never owned an ipad. 

Identity Theft AMSHER COLLECTION SERV Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter.
Consumer complaint received 2020-06-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

My name is XXXX XXXX XXXX and I got caught in " The XXXX XXXX XXXX '' student loan scam. I was paying them for like two years and finally received correspondence telling me that I had gotten caught with a whole bunch of other individuals from coast to coast totaling in the amount of XXXX " XXXX. '' FTC MATTER/FILE NUMBER : XXXX XXXX CIVIL ACTION NUMBER : XXXX  XXXX ( XXXX  ) ENFORCEMENT TYPE : Federal Injunctions FEDERAL COURT : XXXX XXXX of California
Consumer complaint received 2024-02-23
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. (GA)

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.

Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries.

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 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.

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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-28
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. (GA)

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. 

Account name : XXXX  XXXX Account number:XXXX Account name : XXXX XXXX  Account number:XXXX has violated my rights. Or list of inquiries 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 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. 

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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-04
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. (OH)

In accordance with the Fair Credit Reporting act XXXX  Account name : XXXX XXXX XXXX 
Account # XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX Account name : XXXX XXXX  XXXX Account XXXX  XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX Account name XXXX XXXX XXXX XXXX Account # XXXX Has violated my rights. 

15 U.S.C 1681 Section 604 A. States I have right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions
Consumer complaint received 2019-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The student loans under XXXX XXXX And XXXX are being incorrectly reported. The past due payments are more than 7 years old. I have  Disputed this many times as they are too old to be reported but they still remain on my credit report under XXXX and TransUnion And XXXX. Ive disputed this at least 5 times. The past due payments are more than 7 years old and are no longer reportable under the fair credit act!
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America is discriminating against me I am XXXX and a senior. this is the second time I have had this problem with them. I called to lower my credit card limit a month ago on a prior CC and they needed a cell phone to verify me, but I DO NOT HAVE one!!!! talked to supvs etc best they could do was cancel that credit card a month ago instead, using my atm debit card code. I just got a new cc from them and wanted to lower the credit limit and they wanted a cell phone that i do not have to verify me again. I talked to a rep then XXXX the preferred supv then XXXX the team XXXX and the senior team XXXX XXXX was supposed to call me in 24 hours but they lied to me as she NEVER did. 
they would not use my atm card code to verify me, but they could verify me by email if I wanted to close my card instead. They are DISCRIMINATING AGAINST ME BECAUSE I AM A XXXX SENIOR who does not have a cell phone and I kept telling them I can not go to the branch to get verified! it is not convenient for me as I am XXXX, but they DID NOT care. I do have a checking account with them that has a large amount on money in it and have had it for over 10 years, but THIS is not good enough to verify me either to get a credit limit lowered. they verify my accounts every time I logon on by getting a code on my home phone, but again they refused to do that. 
This has affected my credit score and the ability to get a credit card from another bank! I was denied a week ago for a credit card and they specifically stated that my credit history showed that my credit history showed a high amount of unused credit compared to my credit lines. and also that I had had too many accounts previously which included closed ones like the XXXX Bank of America card that I had to close when they refused to lower my credit limit before. 
The other complaint is that each person I spoke to told me 1. the senior person would not help me and that they were probably NOT even available to speak to me at all. Each person told me the SAME THING AND SO I HAD TO tell them 3 TIMES EACH I WANT TO SPEAK WITH YOUR SUPERVISOR AND i AM NOT ASKING YOU WHAT YOU THINK THEY WILL SAY. Again this is not fair to seniors and XXXX people without cell phones, and there is no basis not to be able to use other means to verify our identity. CALL ME AT HOME, WHERE WAS MY ACCOUNT OPENED. CODE ON ATM CARD, last checking transaction etc. 
THEY ARE DISCRIMINATING AGAINST SENIORS AND XXXX PEOPLE LIKE ME WITHOUT CELL PHONES THIS IS AFFECTING MY ABILITY TO GET A CREDIT CARD ELSE WHERE!
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

My wife and I had an Auto Lease Loan with XXXX XXXX  ( via XXXX of XXXX ). The lease expired on XX/XX/2020 and the vehicle was returned and the end of lease paperwork sent to XXXX XXXX. However, they kept sending us bills post lease end date and did not acknowledge lease had ended until XX/XX/2020. In the meantime, a payment late has showed up on our credit history and attempts to get rid of it has been unsuccessful. 

Please help.
Consumer complaint received 2024-02-23
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)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to you regarding the late payment entries currently appearing on my credit report. After reviewing my credit history, I have noticed that there are instances of late payments listed, which are negatively impacting my credit score. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.