davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: INDEPENDENT BANK GROUP, INC. (TX)

I opened a checking account on XX/XX/24 for a {$300.00} bonus offer, which requires a total of {$1500.00} in direct deposit to hit the account within the first 90 days. I received two {$750.00} in the first 30 days. When I made a payment to my credit card, I was charged NSF fees from the bank and the credit card company. There was an IT issue that marked the current balance as negative, even though I had available funds in my account. The bank fee was waived after I complained, but the bank refused to cover the fee from the credit card company. After this, I canceled the direct deposit setup and moved the remaining balance to another bank account. 

When I logged in to my online account yesterday, I noticed they had closed it without notice. I called customer service, and they explained that the account was closed because the balance had been XXXX for 15 days. The bank did not disclose this or notify me that my account would be closed due to the fact that I had maintained a XXXX balance for 15 days or longer.
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

JPMCB CARD XXXX, JPMCB CARD XXXX, JPMCB CARD XXXX, JPMCB CARD XXXX
Consumer complaint received 2024-08-20
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (UT)

I received the following letter from a collection company called IQ Data International. I havent heard of the collection company and have serious doubts about the debt in question. Accordingly, I mailed them the attached debt validation letter. I certified the letter on XX/XX/year>. This collection company never responded! Ive attached a copy of my letter which clearly references the FDCPA. Ive also attached a copy of the certified tracking which confirms they received my letter. The law requires them to respond to my debt validation request. Consequently, Im formally requesting you contact this collection company and have them send me a confirmation this debt has been removed from their system. I want to be assured I am not responsible for this debt.
Consumer complaint received 2024-08-28
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. (IL)

Im requesting your help with this incorrect account reflected on my credit report. Ive flagged this issue because its been detrimental to my reputation, and I need your assistance. The poor handling of my credit report has severely affected me, as this incorrect information has harmed my reputation. You must correct these mistakes so I can live peacefully with my family.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Subject : Dispute of Inaccurate and Derogatory Accounts on My Credit Report I am writing to formally dispute derogatory account information that is currently appearing on my XXXX credit report. I have verified that these accounts should not be reporting because the companies associated with these derogatory entries are not the rightful owners of the debts, nor do they have any legitimate claim to continue reporting on my Experian credit report. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to ensure the accuracy and completeness of the information that they report. Any information that can not be verified as accurate or that is being reported by entities that do not own the debt must be promptly corrected or deleted. 

The following accounts are inaccurately reporting on my Experian credit report : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX According to 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to report accurate information and update it as needed. If the information is incorrect or if the furnisher does not have ownership of the debt, the information must be removed. These accounts are not owned by the companies reporting them, and thus, they must be removed from my credit report immediately. 

Please conduct a thorough investigation of these accounts, as required under 15 U.S.C. 1681i, and delete or correct the disputed entries within the 30-day period required by law. Additionally, please provide me with a copy of my updated credit report reflecting the corrections, and notify any other consumer reporting agencies to whom you have furnished this information of the necessary changes. 

Enclosed, please find copies of my identification, proof of address, and any additional supporting documentation. I appreciate your prompt attention to this matter and expect a timely resolution in compliance with federal law. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-20
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (CA)

I was shopping for vehicles and upon checking my credit I discovered this account on my credit report. I have sent two dispute letter and have yet to get a response from the company. Also the address on file for this company on my credit report mail came back as undeliverable. The first letter I sent was XXXX XXXX to an incorrect address listed on my credit report and it has since been updated.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (NY)

Subject : Request for Removal of Self-Reported Collection from Credit Report Dear SELF I am writing to formally request the removal of a collection item that appears on my credit report under account number [ insert account number or reference number ]. The item in question was reported as a self-collection, and I believe it is either inaccurate or improperly reported. 
Details of the Collection Item : Creditor Name : SELF/XXXX XXXX Account Number : XXXX Reported Amount : {$1600.00} Date Reported : XX/XX/year> Reason for Removal Request : Not Authorized : The collection was reported without my knowledge Enclosed, you will find [ copies of relevant documents, such as payment receipts, settlement agreements, or correspondence with the creditor ] that support my request for removal. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you : Investigate : Conduct an investigation into the accuracy of the collection item as per the FCRA guidelines. 
Remove or Correct : Remove the collection item from my credit report if it is found to be inaccurate or incorrect. Alternatively, update the report to accurately reflect the status of the debt. 
Confirm Removal : Provide written confirmation that the item has been removed or corrected once the investigation is complete. 
Please notify me of the outcome of your investigation within 30 days, as required by the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the removal of this collection item from my credit report. 
Sincerely,
Consumer complaint received 2024-10-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (IL)

XX/XX/year> at XXXX XXXX  an agent of midland credit called demanding to speak to my XXXX old son. I asked why they wanted to speak to my son the woman on the line repeatedly stated it was a personal buisness matter I told her what business matter does an adult have with a XXXX? I refused for her to speak to my son then stated hes in XXXXXXXX XXXX XXXX does it sound for her to demand to speak to a XXXX  when XXXX XXXX XXXX XXXX  at this hour. I said she would not be speaking to my son as he is a XXXX  and she can speak to me during the conversation she realized she called me regarding his father XXXX XXXX ( both have the same name ) then demanded I have him pay them and call them. I asked how she got my number and not to call me they need to figure that out because Im not XXXX XXXX and they should not be calling regarding another persons debt. Midland states they have these safe guards but XXXX theyve given information without confirmation of who the person they were speaking to was! I want a copy of that recording
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

there are inaccurate information such as accounts and debts reporting on my credit report. all credit bureaus have NOT sent any proof showing and proving that any account is mine and is accurate. I need every single account that has NOT been sent proof showing that these are indeed accurate to be REMOVED! THE NEXT STEP IF PROOF IS NOT PROVIDED IS suing.
Consumer complaint received 2024-10-19
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: LEXISNEXIS (IL)

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 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: GOLDMAN SACHS BANK USA (CT)

Marcus by Goldman Sachs is holding on to my money. I have transferred it to my account at XXXX XXXX and they have called the funds back and they won't explain why. My account was fully funded. 


I had A CD maturing on XX/XX/XXXX at Marcus. I asked them to put my cash proceeds of this CD into a market money market account, which they did on the XXXX. The cash is coming from a Marcus CD and going into a Marcus money market account. 

I transferred $ XXXX to XXXX and $ XXXX to XXXX. 

BOTH TRANSFERS WERE RE-CALLED \ FOR NO REASON WHATSOEVER. 

THERE IS NO REASON that that cash was not transferred properly. The account was fully funded as you will see in the attachment. Both accounts are in my name. 

On XX/XX/XXXX and MARCUS CALLED BACK A TRANSFER DONE ON XX/XX/XXXX. 

I called Marcus to ask for help and : XXXX ) i verfied my social security number, my birthday and my secret word. No one else would have this. 

XXXX ) they told me that " they could not send me a XXXX time code '' and did not explain why. I had JUST received a XXXX time code from them to access my account, so nothing was wrong with their system. 
XXXX ) the man that " couldn't authenticate me '' said " the only way that I can authenticate you is to call you back on the phone number listed on your account '' which is ( listed above ), the only phone number that I have. 
XXXX ) of course, he never called to authenticate my account. 
XXXX ) I called Marcus again and spoke with XXXX who asked me the same authentication questions. 
XXXX ) THEN HE ASKED ME WHERE MY DRIVER 'S LICENSE WAS ISSUED. HE COULD SEE THAT I AM A CT RESIDENT. WHEN I SAID " MY DRIVER 'S LICENSE IS A CT LICENSE '' HE SAID THAT HE COULD NOT VERIFY ME BECAUSE I AM FROM CT!!!! 
XXXX ) HE SAID THAT BECAUSE HE COULD NOT VERIFY ME, I COULD NOT SPEAK WITH A SUPERVISOR AND I WOULD HAVE TO WAIT XXXX days TO RECEIVE A CALL BACK. 

IN CONCLUSION a ) they will not transfer my money which is in my account to another account in my name b ) they will not tell me whey c ) every time i try to transfer my money out, they recall it, causing me problems with my other banks. 
d ) I NEED YOUR HELP!!!
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Regional Management Corporation (FL)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2020-01-03
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

in XXXX of 2019, two debts were created by the Department of Veteran affairs for amounts of {$150.00} and {$3100.00} for education benefits. The debt was created by the college because someone made it look like I was unenrolled from a course without my knowledge. The debt went to collections and dropped my score 180 points. All the letters from the VA were going to an incorrect address and I was never properly notified of the debt. Once made aware of the debt I instantly disputed it with the VA as an error providing a transcript showing I completed the semester in question, a document I have attached here. After 6 months of fighting and proving the debt was an error they corrected the mistake and show the balance as {$0.00} and I have also attached the letter sent saying it was an error and it has been corrected. I disputed it with Experian twice trying to get it removed from my credit report because it was an error. They will not remove it because when it was reported back in XXXX they are saying it was an accurate debt. It was only after 6 months of proving that it wasn't that they closed the account but have not removed it from my credit. The accounts are closed and the balance is XXXX but are still having a significant negative effect on my credit and creating a finical hardship on my family.
Consumer complaint received 2024-08-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Neuhauser Law PLLC (OH)

On XX/XX/year>, I received a letter from XXXX XXXX. XXXX, XXXX for Neuhauser Law PLLC stating that they were demanding payment in the amount of {$13000.00}. in reference to medical debt owed by my mother, XXXX XXXX, to XXXX XXXXXXXX XXXX XXXXXXXX. At no time have I ever assumed financial responsibility in any way for my mother. I do not know how this attorney received my address, as I have not received, or should I receive, a bill from XXXX XXXX XXXX XXXXXXXX. However, they are demanding payment. 

On XX/XX/year>, by certified USPS mail I mailed a written dispute to them.
Consumer complaint received 2023-09-05
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: Experian Information Solutions Inc. (NC)

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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have been having issue lifting my credit freeze when I need to access my credit. This has been going on for the last eight to tens months. I always get an error message and I have to call in at least 2 to 3 times for them to lift my credit freeze and sometimes they don't lift freeze at all.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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. 

Account Name : XXXX 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 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUNRISE CREDIT SERVICES, INC (MA)

I want to dispute an account in collection that I see on my credit report. The account is called Sunrise Credit Services XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX. Date opened is XX/XX/year> in accordance to what I see on my credit reports. The balance is for {$180.00} but this is not my account and should be deleted/removed from the XXXX, XXXX, and XXXX credit report. I'm going to upload a Massachusetts ID card and a copy of my social security to help verify my identity. I've called XXXX XXXX already and verified my social security with them and they said it not my account based on my social security number.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Synovus Bank (CA)

Subject : ID Theft Notification and Unauthorized Account Dear Credit First, I am writing to inform you that I am a victim of identity theft. My personal information was compromised, possibly due to a data breach from the XXXX XXXX XXXX. Consequently, a credit card account was opened in my name without my knowledge or consent. I have no association with this account and request that it be closed immediately. I also report to all Authority Agents regarding ID Theft. Please guide me through the necessary steps to resolve this issue and ensure my credit is protected. 

Thank you for your understanding and assistance. 

Sincerely, XXXX XXXX.
Consumer complaint received 2024-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

I paid off in full my PayPal Mastercard on XX/XX/XXXX, 5 days prior to the due date of XX/XX/XXXX. I also closed the account. NOW I receive another bill stating an amount due for interest?? This is ridiculous. I called PayPal and they said if I dont pay it my credit will be affected. I will have to pay but I want the funds reimbursed to me, this is fraud.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX XXXX XXXX XXXX According to my records, a late payment was reported for my account number XXXX in XX/XX/year>, XX/XX/year>XXXX XXXX XXXX, This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. Therefore, I request that you immediately remove the reference to the XX/XX/year> late payment from my credit report. I further request that you notify the credit bureaus ( XXXX, Experian and XXXX ) of the removal of this incorrect information. Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. I appreciate your prompt attention to this matter. Sincerely,