davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Flagstar Bank, N.A. (IN)

When XXXX XXXX switched to Flagstar in XXXX 2019 I entered the local branch to inform the bank I would be closing my account. The teller suggested that I wait to see if there were any reoccurring transactions for the month of XXXX to might come through before I closed the account. I had 2 transactions that came through and went to the branch to make a deposit of {$200.00} dollars to make the account current and close the account ( This was XX/XX/2019 ). It was my belief that this account was closed and everything was fine. Again this was XX/XX/2019. There have been no communications or anything from Flagstar. On XX/XX/XXXX, I received a call from XXXX XXXX XXXX XXXX, a debt collection firm, in an effort to collect a {$170.00} debt from Flagstar Bank. Flagstar was charging the account i wanted to close and charging me $ XXXX/day for 30 days. I paid the credit agency the money owed because I did not want anything on my credit and contacted Flagstar cooperate office for an explanation and possible refund. Cooperate office told em that the charges form the local branch should have been written of and at the very least should have contacted me. None of which happened. The FIRST and ONLY communications regarding an open account or negative balance ( because of monthly maintenance fees ) came from the collection agency. Cooperate office directed me to call my local branch to have the situation resolved. I spoke with an associate of the branch ans she said she would do research and get back with me. She called me back and had no answers for most of my questions. She could not understand why the branch had made no attempt to contact me. She indicated that there is no record of me entering the branch ( despite the fact I made a deposit in XXXX to cover the charges ). There are multiple issues with these banking practices. First, I never agreed to have my XXXX XXXX account switched to Flagstar. Therefore any of the policies that they decided to impose on me were not of my own free will nor do they have any signed documentation saying that I agreed to said policies. Secondly, I wanted the account closed, and it was never closed. Finally, the bank continued to charge my account fees and overdraft based on those fees. I did not charge anything nor was anything charged to my account other than the maintenance fees imposed by Flagstar. By no accord of my own, Flagstar over-drafted my account and then began charging me {$6.00} dollars a day for the next 30 days before selling off my account to a collection agency. In addition to malicious banking practices, they still have not explained to me how/why XX/XX/2019 is the first communication I received regarding any of this.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have paid off the amount agreed to on XX/XX/year>, of {$2100.00}. I am trying to close on my mortgage and I asked them for letter of payment ofter it cleared the bank. It cleared the bank a week ago they still have not e-mailed me the letter of payment in full XXXX balance. Instead they sent a letter stating that a payment was scheduled, not paid. I've called them and spoke to supervisor three times and they keep playing games instead of sending the letter. I have proof of payment and the conformation number and bank statement showing I paid in full as agreed. I need that conformation of payment received from them to close on my house, and to take that off my credit report as a change off, like they promised to do. The letter has to show payment paid on full, not payment scheduled.
Consumer complaint received 2023-08-10
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: JPMORGAN CHASE & CO. (WA)

I am not liable for a debt with JPMCB Card ( JPMorgan Chase Bank , N.A . ) reported incorrectly to my credit report. I do not have a contract with JPMCB Card ( JPMorgan Chase Bank , N.A . ). 
They have reported inaccurate information on my credit report regarding a collection account. The opening dates for the account, the high credit amount, the credit limit, the last active date, the last reported date, payment history, and date of last payment have all been inaccurately reported to my credit report. 
I do not have a contract with JPMCB Card ( JPMorgan Chase Bank , N.A . ) matching these records. They did not provide me with the original contract as I requested. 
JPMCB Card ( JPMorgan Chase Bank , N.A . ) claims to have last reported a collection account to the credit bureau on XX/XX/XXXX, which is not accurate. They have reported the account in question was opened on XX/XX/XXXX, which is inaccurate also along with many other details about the account they have reported to my credit report. 
I have filed a complaint with the FTC. JPMCB Card ( JPMorgan Chase Bank , N.A . ) is in violation according to 15 USC 1681a1 and 15 USC 1681a2. JPMCB Card ( JPMorgan Chase Bank , N.A . ) have caused a negative impact on my credit report due to the inaccurate information they have reported. 


Further, I am also not liable for a debt with XXXX  XXXX XXXX, XXXX. reported incorrectly to my credit report. I do not have a contract with XXXX  XXXX XXXX, XXXX. 
They have reported inaccurate information on my credit report regarding a collection account. The opening dates for the account, the high credit amount, the credit limit, the last active date, the last reported date, payment history, and date of last payment have all been inaccurately reported to my credit report. 
I do not have a contract with XXXX  XXXX XXXX, XXXX. matching these records. They did not provide me with the original contract as I requested. 
XXXX  XXXX XXXX, XXXX. claims to have last reported a collection account to the credit bureau on XX/XX/XXXX, which is not accurate. They have reported the account in question was opened on XX/XX/XXXX, which is inaccurate also along with many other details about the account they have reported to my credit report. 
I have filed a complaint with the FTC. XXXX  XXXX XXXX, XXXX. is in violation according to 15 USC 1681a1 and 15 USC 1681a2. XXXX  XXXX XXXX, XXXX. have caused a negative impact on my credit report due to the inaccurate information they have reported.
Consumer complaint received 2024-08-04
Product: Credit reporting 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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I discovered inaccuracies on my credit report regarding several collection accounts, which I believe are due to identity theft. Despite multiple attempts to correct these errors through the credit bureaus, the inaccuracies persist. This misinformation is negatively impacting my credit standing and financial well-being. According to Section 605B of the Fair Credit Reporting Act ( FCRA ), I have the right to have fraudulent information resulting from identity theft blocked from my credit report.
Consumer complaint received 2019-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

we opened the capital one SPARK business credit card which advertised spend XXXX K in 3 months and will receive an additional XXXX of rewards. We spent the required amount, called to confirm that we met the criteria, was told on a recorded line that we WERE receiving the rewards. Then never received them. After 2 weeks of calling and being put on hold and being told they will make sure we receive it, we were told because a refund came through of {$45.00} ( unknown to us ) that the rewards will not be processed. We have been  back and forth with their customer service with NO HELP. They have no regard for small business and are fraudulent and misleading.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The Collection agency did not comply to the laws of fair credit reporting and continue to proclaim that a paid off account is still in collections. I am prepared to escalate this matter into litigation that may not be financially amicable to the reporting agency. Be prepared to go to court, I am.
Consumer complaint received 2024-09-03
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: CBC Companies, Inc. (CT)

I have requested multiple times that the accounts on the ftc be removed and them when I ask them for the proof of the debt or validation they give me the run around asked the creditor never responds call I get an XXXX person and when I asked him some question please send request in writing hangs up I did this was back in may still waititng for an answer I had enough of this cat and mouse game HELP!!!!! PLEASE!!!!
Consumer complaint received 2023-08-10
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. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-08-04
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. (WA)

I have on multiple occasions disputed a XXXX XXXX XXXX XXXX  REPORT ON MY CREDIT FILE. 

XXXX continues to hold me accountable for fraudulent transactions on a bank account I opened in XXXX. Within two months my account was closed after my debit card was stolen out of the mail. Someone rented a XXXX XXXX  and made fraud check deposits and withdrawals at an atm. I disputed this activity and requested an investigation. 
XXXX, instead turned me into collections. 
XXXX, dispute numerous disputes filed, identity theft. Gov and police reports provided, continues to keep reporting this derogatory fraud account from XXXX. 

In addition, I am in THE STATE OF WASHINGTONS ADDRESS CONFIDENTIALITY PROGRAM and have only a po box for mailing. 
The credit agencies keep posting my physical address on my credit file putting me in danger. Ive expressed the need for it to be removed. While they did remove it. I have been receiving mail from all my creditors now addressed to my confidential address.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX I have identified several fraudulent collection accounts on my credit report, which are the result of identity theft. Despite numerous attempts to rectify these errors with the credit bureaus, they have failed to take appropriate action. This ongoing inaction is severely impacting my credit standing and financial well-being. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am entitled to have all fraudulent information resulting from identity theft removed from my credit report promptly.
Consumer complaint received 2020-03-23
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. (GA)

I have reached out to Equifax, XXXX  and XXXX  six different times in regards to having two bankruptcies removed from my credit report. Dates being XX/XX/XXXX and XX/XX/XXXX Certified letters were sent from my doctor explaining that I have XXXX and XXXX  which affects my decision making at times. These bankruptcies were filed when I was ill and my medical conditions were beyond my control. I explained to Equifax that there was no balance on each of the bankruptcy because they were never completed do to my being ill at those times. Even with all of my certified letters from my doctor and from the bankruptcy court, Equifax refuses to honor and respect my medical condition and have these XXXX balance items deleted it from my credit report please assist and having these items deleted and removed from my report so that I can move forward with my life now that I am well. Thank You
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 2024-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have sent dispute requests to TransUnion and XXXX regarding the following account numbers : XXXX, XXXX, XXXX and XXXX. I have sent dispute requests to XXXX regarding the following account numbers : XXXX, XXXX, XXXX and XXXX The dates of these disputes are as follows : XX/XX/XXXX and XX/XX/XXXX. Despite all of these letters sent to these bureaus, there has been no dispute language on my credit report. There have also been no investigation results sent to me. It is very clear that my case has not been looked into whatsoever by any of these bureaus. Furthermore, I have received emails from XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX stating that they are refusing to investigate. I have also received emails from TransUnion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX stating that they are refusing to investigate.
Consumer complaint received 2024-08-04
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A 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 XXXX  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 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of XXXX XXXX. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. 
Please remove the fraudulent accounts from my credit repprt as soon as possible.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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.

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 2024-08-05
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. (WI)

I'm writing to impart my nervousness with respect to the challenged records on my credit report. On different events, I have raised the issue of blunders in these records, and have dependably referenced that they be completely investigated. No matter what my undertakings, I actually really can't get any objective or medicinal action. These wrong records are truly hurting my credit report and disturbing my ability to continue with a customary life. The antagonistic outcomes of these mistakes have caused monstrous challenges for me, and I'm left with no choice aside from to contend for your assistance with remedying what's going on immediately. I humanely request that you direct a cautious assessment concerning the enumerating of all of these challenged records. It is fundamental that the fundamental advances are taken to revive and review my credit report right away. With your help, I want to restore the accuracy and genuineness of my credit record so I could recover control over my money related success. I sincerely request that you offer this matter your most outrageous thought and take a speedy action. Your cooperation and moving in settling this issue rapidly would be tremendously important. Much gratitude to you early on for your appreciation and help.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX is committing securities fraud and identity theft against me. 
15 USC 1692g states I am the creditor not XXXX XXXX. 

15 USC 1666 ( d ) Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.