davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (SC)

I have disputed discover card for years. Fraudulent charges were applied to this account when card was stolen over 5 years ago. I always paid my account on time until I became aware of the fraudulent charges. I'm very dissapointed that Discover continues to report this negative charge off simply because I refuse to continue paying on a a card with charges I don't owe. I disputed with the credit bureaus and sent my FTC identity theft report ' The account status should be closed due to card being stolen or lost and the charges after the theft should be removed from my liability. I'm disputing this account as fraud and while it is being disputed internally this account should be temporarily blocked from my file until Discover makes the necessary adjustments/corrections.
Consumer complaint received 2019-05-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (TX)

Have been receiving letters for a debts they acknowledged was time barred. Ive asked via telephone and in writing for them to longer contact me and remove from my credit reports. Last letter dated XX/XX/19.
Consumer complaint received 2018-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (HI)

I have contacted XXXX XXXX XXXX today XX/XX/XXXX about a wrongful delinquent late status put on my account. I am XXXX XXXX military and have given military orders on XX/XX/XXXX. When I spoke to customer service today I was told to dispute the item today so they may remove this wrong information. I have called numerous times and have been told to dispute this item. At this point I am disappointed in XXXX and how they deal with service members. I still have the email I sent with my orders if that is needed. At this time I will look into taking legal actions against this XXXX for not only accusing me of false delinquent payment information but also damaging my credit. My account should have been put into deferment since XX/XX/XXXX. The same email was sent to my regular student loans and none of those are in any delinquent status.
Consumer complaint received 2018-09-07
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. (GA)

Hi my name is XXXX XXXX, I am sending you this message in regards to my credit file. I received disturbing news that I have been a victim of identity theft. It comes to my attention that looking over my credit file that your company made several errors along with DEPT OF ED XXXX & XXXX XXXX. I have clue as to what is DEPT OF ED XXXX not XXXX XXXX. I am disputing both accounts as fraudulent and I would like for you to perform an internal dispute. I am not liable for the erroneous actions that your company has taken upon my file, I have attached a letter along with some documents in the attachment area. If this situation isnt resolved professionally, investigated internally as a dispute, and a new credit report with the removal of the errors your company added to my credit file. Please read the letter in the attachment area.
Consumer complaint received 2022-03-08
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-09-07
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: BARCLAYS BANK DELAWARE (CA)

Barclays responded to my complaint and sent a letter dated XX/XX/2018 but there is a discrepancy on date which letter was generated and it's authenticity. On XX/XX/2018, I spoke to Barclays representative and confirmed that there is no letter/correspondent being generated or drafted and this can be confirmed by Barclays since all phone conversations are recorded by Barclays. In the letter reason why they lowered credit line was because of 'Utilization of revolving accounts is too high. ' They FAILED to provide details in numbers/percentage of the reasons to lower credit line to support 'Utilization of revolving accounts is too high. ' They have no supporting statement nor they have valid reasons/justification to lower credit line. Once again, only reason why they lowered credit line is because I have made {$8000.00} payment and this is clear violation of Credit Cardholders Bill of Rights and Credit Card Act. If I have made {$10000.00} payment, credit line would have been lowered to {$4900.00}. Barclays do not have clear guideline or justification of why they decided to lower credit limit to {$6900.00}. ***THEIR DECISION IS ALSO BASED ON CREDIT REPORT THEY RAN ON XX/XX/2018 WHICH IS NOT MOST UP TO DATE AND THIS IS SERIOUS VIOLATION. *** Barclays also FAILED to provide what my credit line/limit should be. This is once again, ABUSIVE and UNFAIR credit card practice. BARCLAYS ALSO FAILED TO PROVIDE WRITTEN CREDIT CARD AGREEMENT ( WHICH IS SIGNED BY ME ) TO SUPPORT THE REASON WHY THEY DECIDED TO LOWER CREDIT LINE/LIMIT. Please investigate this serious and intentional violation.
Consumer complaint received 2018-09-07
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. (GA)

I am contacting you in regards to my credit file and the errors of fraudulent accounts that was placed on my credit file. I sent over several certified letters dating back to 3 months back XX/XX/2018 and it's been more than 90 days now where I havent received any documents of any original contracts with my signature on it from any of the 3 major credit bureaus, creditors, nor I didnt receive anything to date. I have placed an attachment along with my license and social security card. I am disputing these accoutns as fraudulent, I have no clue and who they may belong to. I am also disputing all the accounts on the attachment as an internal dispute. If you choose not to reply to this final goodwill letter before its up to you. This is my final attempt to resolve this problem.
Consumer complaint received 2023-06-10
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Compliance XXXX XXXX XXXX XXXX, SC XXXX RE : Requesting a Method of Validation Dear Sir/Ma'am : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

Collection Agency : XXXX XXXX XXXX ( XXXX ) Account Number ( XXXX ) : A : ) XXXX B : ) XXXX I am certain that the item I disputed is incorrect and should be removed, so l am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute.

I am very interested to learn how your investigators arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation.

Please provide the following : 1. Validation of the debt -- that is, the actual accounting.

2. Verification of a signed Invoice.

3. A copy of the Contract binding both parties ( you and them ), in a letter by " certified mail ' so that there is an independent " witness to it having been delivered. '' I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, sol need specific answers to the specific questions asked of you in this letter.

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 


Very Respectfully, XXXX XXXX XXXX
Consumer complaint received 2023-03-18
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)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$400.00} XXXX XXXX Balance : {$420.00}
Consumer complaint received 2018-08-21
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. (MI)

Companies Involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Experian My credit report was obtained via XXXX by someone using my SSN, Name, DOB and other information. XXXX does not have a phone number where I can report this fraudulent activity or speak with someone about what information was given out on my credit report and accessed by someone else. The XXXX XXXX information was then used to open a XXXX XXXX account in my name and SSN and previous address. The XXXX XXXX account number is XXXX - which was not paid and then sent to collections for {$6000.00}. I realized this account was on my credit reports and attempted to dispute this account and all charges associated. All three credit reporting agencies have denied my requests. The claim/report numbers below : XXXX  - XXXX XXXX  - XXXX  XXXX Experian - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Fraud Claim - XXXX XXXX XXXX denied and completed by fraud claim ( # XXXX ) without contacting me. In order to speak with a fraud agent, I have to wait on hold for 30+ minutes. I have sent the police report to XXXX and am waiting for them to remove the account from my credit report.
Consumer complaint received 2020-02-04
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. (SD)

On my credit report from all three bureaus, it lists several of my federal student loans were 90 days past due in XX/XX/2015. I was in school full-time during this, so it should have been in deferment. I have filed two disputes at all three credit bureaus, and a message to my loan servicer Neltnet. They have denied to fix, despite me sending in a transcript showing I was in school and only have included a note from me that I dispute. This is causing me to get denied for housing, car, etc.
Consumer complaint received 2018-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

I contacted This company spoke with a collector told her I have no contract or account with them or their client XXXX XXXX, they where sent a copy of my theft report and police report numbers in a previous dispute with another account they bought from the same client. This is not my account. Also the original creditor was also provided the theft report and all other documents. They received another account balance {$560.00} I got a letter called and disputed the same day, told the rep they have the police report in which this account is also on. Portfolio Recovery sent me a letter saying the other account has been verified as fraud & was closed and will not be reported to the credit. I am requesting a original contract with signatures from Portfolio Recovery and their client XXXX XXXX. I would also like a letter stating this account is also closed and Not on my credit report.
Consumer complaint received 2018-08-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: STERLING JEWELERS, INC. (ME)

last XX/XX/XXXX a collections company called and said they were a collection company trying to settle a debt for a kays jewlers credit card that my husband had. ( I cant remember the name of the company. ) So I set up a payment arrangement with them to pay the bill. I started paying on XX/XX/XXXX for XXXX a month plus a XXXX card fee. I paid XXXX for the months of XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. The last payment was XX/XX/XXXX, for a total of XXXX. The company told me it would be under XXXX XXXX when I received my bank statement every month. I didn't think anything about it at the time, they told me it was a sub company that collected the money for them. they also told me that when it was paid it would come off my husbands collections. So when it was paid I thought everything was fine. But come to find out it never got reported as being paid and never came off. In XX/XX/XXXX another collections company called to talk to my husband about a collection matter to do with XXXX XXXX. they called a couple times and finally I told them I was his wife and they told me exactly why they were calling. to collect a debt for a XXXX XXXX credit card account. this time though they told me he had started paying for it back in XX/XX/XXXX and then stopped, which was true. I told them I had already paid that debt off last year to a collections company, but it didn't matter, they told me it was not them I had paid and they had the account, so it was still owed. so I asked them what to do then because I had already paid over XXXX for this debt.. so they looked into because i told them the companies name and they told me the cfpb had closed them down because they were a fraudulent company. I tried calling XXXX XXXX getting no answer. so I called XXXX main office and they told me they only deal with national credit adjusters and told me a few questions to ask them to make sure it was the right company that only they would know the answer to. so I did and they did so now im paying the right company. So XXXX XXXX is a fraudulent company that pretended to be an actual collection company and took XXXX from my husband and I, for a collection account they didn't have.
Consumer complaint received 2018-09-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I purchased a used car back in XX/XX/XXXX. I have paid every payment on time for the last XXXX years. Towards the end of my loan I noticed that TransUnion closed the account which dropped my credit score quite a bit. I submitted a disputed stating that my account was not close and it was still active. The next day it was deleted entirely. I contact my creditor and they assured me that they were bought out and once I keep making my payments it should report back on to my account. This happened in XXXX. I even contacted TransUnion to make sure theres nothing they needed on their end. They told me theres nothing they can do. My creditor has to make the changes. Its been 8 months and its still not fixed. I have since paid off my car and received the lean release. My creditor refuses to do anything because its a closed account and TransUnion refuses to do anything as well. I have submitted a complaint through XXXX and nothing has come of it. I am extremely upset and disappointed over this because this could boost my credit quite a bit.
Consumer complaint received 2018-08-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (FL)

I mailed an insurance settlement check to XXXX for a settlement involving damages that were completed. XXXX requested a copy of the settlement agreement. I complied. The settlement agreement was mailed on XX/XX/2018. The XXXX representative advised me that processing would take up to 10 day. I waited. In early XX/XX/2018, I called XXXX to check on the status of the settlement check. At this time, they requested an inspection for damages unrelated to the claim in question. I complied. The inspection was completed XX/XX/2018. I was told that processing the settlement check after the inspection was complete would take 10 days. I waited. I called today, XX/XX/XXXX, and was advised that I had to provide receipts for the repairs that were inspected and granted a 95 % completion status. I advised that the documents were submitted with the original insurance claim check as this is an ongoing claim that went to litigation with the insurance company. I advised XXXX that the repairs were completed in XX/XX/2018. The requested documents, receipts, etc. were submitted when the original claim check was processed without incident. I advised XXXX that the settlement check was for the same damages that have been inspected twice. 

I asked to speak to a supervisor and was placed on hold for 30 minutes. At this time, I am requesting assistance to ensure that XXXX is working in Good Faith and to ensure that no rules, policies, statutes or laws are being broken. Your assistance is appreciated.
Consumer complaint received 2018-09-07
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. (NV)

Upon Viewing my new monitoring services i noticed an account not belonging to me from company XXXX XXXX. This account does not belong to me and is fraudulent I am a victim of identity theft and it has been reported.
Consumer complaint received 2018-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have requested a credit line extension with the GM card from Capital One. I requested an extension in XX/XX/XXXX and was told that credit line increases are not available at this time upon request for this type of account. I requested another extension on XX/XX/XXXX and received the same response. After calling customer service I was told that Capital One has automated their system for credit line increases, however the system does not interface with GM cards. The senior account representative was in no way helpful. I was told that there is no way to manually approve credit line increases, there is no projected date when the automated system will work, that I should keep applying in the future in case the system starts working, and that Capital One will not let its customers know when the system does start working. In short, their customers should keep applying for credit line increases in case the system starts working, but they do not tell their customers that it impossible to be approved. Nor do they have any plans notify their customers if/when the system does start working.
Consumer complaint received 2018-09-07
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. (IN)

I am missing the following payments regarding my VA mortgage loan as well attaching screenshot regarding Equifax once again has inaccurate information that my property has recently been in a natural disaster within the past week. I have again contacted FEMA and my homeowner 's insurance company in which they stated should not have been submitted because this is false information. They are now as well both involved since this continues showing up by the person behind the computer screen at your company intentionally adding this after each CFPB complaint that I file. 
The following months are missing on my credit report in which I have the signed and cash checks by your company : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX. 
I was told via tape conversations you may want to pull through your company that after forbearance. All payments would be submitted that are missing for the year XX/XX/XXXX. You now tell me that if you submit the payments you will mark them as late however I was not told they will be marked as late since XXXX XXXX misguided me at the beginning of this entire process. How am I to do as XXXX XXXX stated refinance my home when my personal bank XXXX XXXX needs to show that my credit report matches the payment history you submitted to me via email late last week there are missing payments 13 as of today with the credit bureaus. 
On one bureau report there are payments that were being reported during the forbearance. Yet on another Bureau report there are not. Regardless natural disaster is a false report an allegation that needs to be removed immediately off of Equifax and any other Bureau at the person behind the computer screen submitted the report. I also need missing payments reported and I'm not talkin late payments because I have been miss guided through this entire process while your representative XXXX XXXX almost 18 months ago. It was your company that was an admittance that XXXX XXXX misguided me and remove me from forbearance I'm making my last payment and removing forbearance from the loan.