davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Persolve, LLC - Legal - Series 2 (CA)

Hello CFPB, My name is XXXX XXXX. I am writing about a company named Persolve LLC. I first heard of this company in XX/XX/XXXX. I found out through work that they were going to garnish my paycheck for a debt I never heard of. The amount totaling in {$6300.00} plus {$0.00} cents per day interest ( A ). I didnt know what to do or where to go. So I called this company asking for proof and that I have had identity thief and dont believe I owe them. They flat out told me I wasnt entitled to that information and it didnt matter because they got their garnishment. Finally he told me it was a metrix card ending in 4 different numbers. They couldnt tell me the card name, what company it was anything. So I pretty much just hung up. They were taking about {$600.00} a month I filled for a exception and when I explained to the XXXX Officer I dont believe this is real he sent me this typed up letter that I supposedly sent back in XX/XX/XXXX. I find this letter to be fake I marked it ( B ) as my first questionable piece. The fonts dont match its not addressed to anyone and I dont believe or remember writing it. As time went on I talked to a lawyer who told me this claim was denied a handful of times until they submitted something in XX/XX/XXXX ( B ) is what I attached for you. I finally figured out that was suppose to find my way to XXXX XXXX for a court day which was not going to happen because they were taking all my money. They kept sending letters to my house and finally when the court day came near they sent it to the wrong address. I feel they did this on purpose I have envelopes ( C ) which I also attached. Needless to say I missed the court date. I dont understand how they can sue me in XXXX XXXX when I live in XXXX and have never lived in XXXX XXXX. My exception came back and the court knocked it from {$600.00} a month to about XXXX. In XX/XX/XXXX I got another letter stating I owe them once again so I called my payroll and asked what was going on they informed me back in XX/XX/XXXX the sent a court order to stop the garnishment ( D ). Which I have also attached for you. Now its XX/XX/XXXX and I got a call from my payroll again because they are taking me back to court now for the amount of {$5800.00} plus {$1.00} interest a day ( E ). I dont understand how this can happen? How can they take my money with no proof? How can they sue me in another city? I am so lost and dont know what to do.
Consumer complaint received 2016-11-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (CA)

I signed up for a new checking account with US Bank on XXXX XXXX via an emailed promotional code ( pic attached ). The promotion promised a {$150.00} bonus for completing XXXX bill payments within 60 days of account opening. I completed the required bill payments on XXXX XXXX ( pic attached ). It 's been well over the stated 60 days since meeting the requirements for US Bank to honor the promotion. I have contacted US Bank via their XXXX #, as well as visited their local branch multiple times to inquire about this and get resolution to no avail. It was confirmed to me by a local banker that I successfully met all requirements, however was told there was nothing he could do and that an internal department only had control of crediting customer 's accounts. Nothing has come of that. I 've been passed around and given excuses for weeks. I have documentation of the promo code email used to open the account, the qualifying bill payments, as well as a screenshot of the original public offer from US Bank 's website.
Consumer complaint received 2023-03-23
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. (TN)

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 : XXXXXXXX XXXX XXXX  Account number XXXX, Account name : XXXX  XXXX Account number XXXX, Account name : JPMCB CARD Account number 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 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 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

XXXX, XXXX XXXX Equifax continue to report incorrect information on my consumer that is causing me harm and damages. Under federal law each consumer agency is required by the enactment known as the Fair Credit Reporting Act to report correct information or face penalties and fines for violations. There are several name variations and address that are not mine and should be immediately deleted or what they consumer agencies are doing is engaging is fraud. Because they are selling consumer information to various agencies it must maintain fairness. 

My name is XXXX XXXX there should be no other name on my report and or variations. Remove the other names immediately. My address is XXXX XXXX XXXX XXXX, CA XXXX there should be no other addresses listed on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681 Quick search by citation : Title Section 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2019-07-11
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Municipal Collections of America Inc. (AR)

MCOA KEEPS COLLECTING ON DEBT DISCHARGED IN BK XXXX DISCHARGED XX/XX/XXXX. THEY KEEP COLLECTION FOR ALL CLASS ACTION MEMNBERS. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ETC..
Consumer complaint received 2019-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

I have disputed this account as a fraudulent account. I filed a police report, signed an affidavit and submitted an FTC Complaint. Since then the original account from XXXX XXXX XXXX was removed from my credit file. But also since they have sold the account to 3 collections agencies. 1st- XXXX XXXX XXXX 2nd- XXXX XXXX and now 3rd to I.C Systems. I have not received an communication from the collection company or else I would have told them it was fraud. I should not have to be subject to my private information being used and sold to a potentional fraudster. I am a victim of ID theft and this account should have never been able to be sold for a 1st 2nd or 3rd time. 
**** Please Note the Fraudulent account was removed each time from each collection company. However the I.C Systems account which was placed on my credit file in  XX/XX/2019, was not. ***** This account needs to bee removed from my file again for the 4th time. Im going to have the Consumer Financial Protection post/pin this information because I am sure I am not the only one that this is happening to. Having to send my personal documentation every time XXXX XXXX XXXX and their 3rd parties try  to asesnate my character has become more time consuming and costly and it is affecting my good name and ability to manage my personal well being.
Consumer complaint received 2022-12-15
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. (AZ)

I have disputed many times both XXXX & writing that the delinquent payments during 2020 with XXXX XXXX XXXX were made under the 2020 " COVID CARES ACT '' and accommodations were granted. 
TransUnion refuses to correct the payment history correctly and they still will NOT REMOVE the DELINQUENT NEGATIVE PAYMENT HISTORY from 2020! 

In 2020 I worked monthly with XXXX XXXX to make ACCOMMODATIONS for payments under the " COVID Cares Act ''. As stated directly in the COVID " CARES ACT OF 2020 '' ( beginning XXXX ) : Quote : Lenders will be offering consumers affected by XXXX various forms of payment flexibility, including allowing consumers to defer or skip payments, as Required by the CARES ACT. Such payment accommodations will AVOID the REPORTING of DELINQUENCIES resulting from the effects of XXXX. 

I have disputed this with TransUnion many times and they still will NOT REMOVE the DELINQUENT NEGATIVE PAYMENT HISTORY from 2020 on my Chase Auto Finance Account! 
This is XXXX and XXXX. 
If a correction is not made IMMEDIATELY I will be forced to seek LEGAL ACTION and recovery of FEES for damages. 

I have been a loyal customer and have XXXX payments left on this account. 
XXXX XXXX has agreed to remove these late/derogatory payments & has sent notice to all XXXX credit bureaus without correction to my file. 
I have even contacted the 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 
Still, TransUnion refuses to remove these negative/late payment remarks for 2020.
Consumer complaint received 2021-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (AL)

XX/XX/2021 XXXXXXXX XXXX  I can not obtain my account number from the credit card company. In order to login to my account and close my account, compare balance to payments, and general access. They send my statements electronically online but I can't access the online portal without my account number. The card has been destroyed and when discussing with the representative they stated that they would mail me a statement with my full account number. This was a lie. The statement mailed did not include my full account number. 

They closed my account after I paid the remaining balance but then I received another notice of an amount due. I have no idea where this amount came from.
Consumer complaint received 2021-06-15
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: TRANSWORLD SYSTEMS INC (NY)

Transworld Systems Inc is reporting a frauduent account on my credit. Upon speaking to Tranworld Systems they informed me that this accounts is linked to an adress I am not affiliated with. Please remove this account from my credit
Consumer complaint received 2022-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank is charging me for a credit card I did not ask for, apply for or receive. They demanded that I pay and damaged my credit score when I would not pay. 

On XX/XX/2022 I paid the full amount {$160.00} and demanded they cancel the account. Today I received an ebill for {$83.00}. Where does this stop, who holds these people accountable for ongoing fraud?
Consumer complaint received 2021-03-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated (WV)

CACI first contacted me by phone on XXXX XX/XX/2021. They have not sent me any correspondence of validation by mail since that first contact. I sent them a certified signature return letter via USPS requesting a debt validation be sent to me which CACI signed for and received on XXXX XX/XX/2021 stating they need to cease their efforts of contacting me until I receive debt validation so that I could be fully informed. now 38 days later I have yet to receive the debt validation that I requested from CACI and they have continued to harass me by phone daily and sometimes multiple times a day, violating the fair collection practices numerous times. 

XX/XX/2021 at XXXX I received a call from CACI from XXXX XX/XX/2021 at XXXX I received a call from CACI from XXXX XXXX XX/XX/2021 at XXXX I received a call from CACI from XXXX XX/XX/2021 at XXXX I received a call from CACI from XXXX XX/XX/2021 at XXXX XXXX received a call from CACI from XXXX XX/XX/2021 at XXXX I received a call from CACI from XXXX XX/XX/2021 at XXXX I received a call from CACI from XXXX XX/XX/2021 at XXXX I received a call from CACI from XXXX XX/XX/2021 at XXXX I received a call from CACI from XXXX XX/XX/2021 at XXXX I received a call from CACI from XXXX XX/XX/2021 at XXXX I received a call from CACI XXXX XXXX XX/XX/2021 at XXXX I received a call from CACI from XXXX
Consumer complaint received 2023-03-23
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: Experian Information Solutions Inc. (NJ)

Despite multiple written requests, the unverified accounts in question. listed below continue to report on my credit report in violation of federal law. These accounts in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-15
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: Self Financial Inc. (FL)

In accordance with the Fair Credit Reporting act This account 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (GA)

RE : Truist aka Suntrust. Loan # XXXX Property Address XXXX XXXX XXXX XXXX, Ga XXXX Map # XXXX XXXX In spite of taking funds out of my escrow account to do so the Bank has not paid my City of XXXX, GA property tax or my XXXX County property tax both of whom are threatening to put a Lien on my property. I have contacted the Bank on XX/XX/2021, XXXX and XX/XX/2021 and was told that they would research the issue and reach out to the taxing authorities in the meantime. I contacted the taxing authorities on each of those dates and was told that the taxes have not been paid and no one from the Bank has ever contacted them. My address is XXXX XXXX and my neighbor 's address is XXXX XXXX. It is my belief that they used the wrong address and map # when paying taxes but have failed to straighten this out.
Consumer complaint received 2019-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I paid my account off in full prior to the due date. I paid a large payment on XXXX, then the remaining XXXX on XXXX. My account due date is the XXXX. On XX/XX/XXXX, the creditor charged me {$62.00} in interest charges, saying although I had paid the card off in full, I had carried a balance for the prior month. The current interest charge was the interest charges for the current cycle. 

Their card agreement says the cycle is 25 days, they will not charge further interest unless you have made charges during the cycle. I did not have any charges since XX/XX/30. 

They refused to waive the interest even though I have paid the account in full, and by their terms. This used to be illegal.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (PA)

I am writing to dispute the following information in my credit report. The credit report showed credit inquires that I dont recall authorizing. I understand that you shouldnt be allowed to put any inquiries on my file unless I have authorized it. Please have the inquiries removed from my credit file because it is making it very difficult for me to acquire credit.
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I contacted Transunion and mentioned that I have unauthorized inquiries on credit report. I actually spoke to a supervisor : XXXX XXXX. 
I was told that these creditors had permissible reason to access for credit file while I stated that they did not. 
He explained that permissible reason was that I gave consent which I have not given, they offered a service I was interested in and they dont, and lastly that they didnt need my written permission if they were associated with someone I had given permission to previously! 
The following creditors : XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX. XX/XX/XXXX
Consumer complaint received 2021-02-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC (MD)

My XXXX XXXX shows and amount of {$740.00} is currently in collections with The Monterey Financial Services LLC. I have attempted to call this company to settle the debt and have not received any feedback. I am in fact unable to even reach to a representative as their phone lines say they are closed. I need this debt cleared and removed from my credit report as soon as possible.
Consumer complaint received 2022-01-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I have experienced ongoing issues with removing unknown accounts on my credit report. I have sent in multiple dispute letters and have yet to receive anything. I sent off an original dispute letter asking for them to send over certain documents that requested them to send my original contract with my signature attached. I never heard anything back. I then sent off a 30 Day Demand of Comply letter after waiting 45 days. To this day, I still have not received anything. Under FCRA, failure to validate the debt in 30 days demands an automatic deletion. Furthermore, the original signed contract has still yet to be sent to me. I demand deletion!!!! 
ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-16
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: SYNCHRONY FINANCIAL (NC)

The credit limit on my care credit account was decreased by {$2500.00}. This was done without notice and I am concerned about the impact that this might have on my credit score and credit rating.
Consumer complaint received 2021-04-16
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. (NC)

XX/XX/2018 I purchased a home with XXXX  XXXX  service and I made my payments and they report as late. 

Payment was made on time. 
They destroy my credibility and credit worth. I need help please.
Consumer complaint received 2016-03-19
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (NV)

I am unable to access my credit report from Experian. The challenge questions they ask on their website have items I do not recognize and does not allow me to obtain anything. The last time I was able to check a few years ago, there are items that do not belong. Incorrect items have affected my credit and ability to get jobs.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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.