davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (CA)

XXXX XXXX XXXX, along with U.S. Bancorp AND Elan Financial Services, cancelled my XXXX Visa Rewards card ( last four digits XXXX XXXX per attached letter dated XXXX XXXX, 2020 ( received XXXX XX/XX/2020 XXXX. Reason given, per attached letter, " Your account was reviewed by a credit scoring system that assigns points based on pattern of usage for your account. We are unable to renew your card because your account did not score sufficient points on the following factor : Your account has been inactive for at least 12 months '' I was at work and got " USPS informed delivery '' email that I had letter from " Cardmember Service ''???, then read letter when I got home that advised that Visa Card was cancelled, with no identification of what financial institution visa, just last 4 digits of some card. In fine print at bottom of letter, it stated Elan Financial Services - still did not know what this meant, except that Elan is a very poorly rated financial company, with a ranking of XXXX out of XXXX, and known for very poor services with many alleged allegations of fraud. Then I learned that the card is my Fidelity Visa card which I have always been proud to own and is tied to and reported on my Fidelity Accounts - This shocked me that Fidelity would let me down after so many years of being a faithful customer. 

- My credit score is XXXX out of XXXX XXXX Score. US Bancorp, Elan and now Fidelity have numerous reports of impacting credit  ratings after canceling credit cards - The Letter makes no mention of the rebate point/dollars ( REWARDS ) that were earned over a decade in having this card - Fidelity heavily promoted this Fidelity Visa Rewards Signature card, which is a main reason why I applied for the card, which I was proud to own, especially with the 2 % cash rebate provision - The Card user agreement I signed made no mention of a minimum yearly usage requirement - if it had, then I would have used it more often. 
- There was no pre-notification letter from Fidelity that I needed to use this card more often, or it would be cancelled. There was no pre-notification whatsoever, except for the attached letter that came " out of the blue ''. Elan Financial Services is such a schlock outfit, they had to put there name in very small type in the footer of the letter. 
XXXXThis is an outrageous fraud on the public where Fidelity , US Bancorp and Elan are purposefully creating fraud by damaging my credit rating FIDELITY , AND THE COMPANY FIDELITY IS  PROPPING UP AND HIDING BEHIND, US Bancorp and Elan Financial Services MUST MAKE FULL DISCLOSURE AND CORRECT THIS DAMAGING PRACTICE OF PURPOSEFULLY DAMAGING THE CREDIT SCORES OF UNSUSPECTING PERSONS THAT HAVE ALWAYS TRUSTED FIDELITY   TO DO THE RIGHT THING.
Consumer complaint received 2020-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FMA Alliance, Ltd. (IL)

On XX/XX/2019 I received a notice in the mail from FMA Alliance , Ltd a debt collection company and they are attempting to collect a false debt. FMA admits to being a third party, and I never gave them consent to have my location information. My consumer rights have been violated and I demand to receive remedy for each of the cited violations. There are a total of six ( 6 ) violations.
Consumer complaint received 2020-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have multiple fraudulent addreses, fraudulent loan information and multiple false cell phones numbers being reported only by Transunion credit r e porting agency. Also, the agency reports information from 20 years ago illegally. In addition, the agency misreports criminal information records that have dismissed, expunged or commuted. I have disputed these errors multiple times with Transunion but the company keeps reporting the bad information over and over again.. I have believe Transunion has been part of class lawsuit before for misrepresentation.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I was reviewing information on my consumer report and I noticed some information that was outdated, inconsistent and incorrect. I would like to remove the following information to make sure that things are in order. 

Any information that doesn't match my current information must be removed. 

Under ( FCRA ) it state 's that i have the right to privacy, accuracy, and what is reported on my consumer report pursuant to the following codes : 15 USC 1681 ( A ) ( 4 ) XXXX XXXX XXXXXXXX XXXX USC 1681E ( B ) XXXX XXXX XXXX  15 USC 1681i ( 5 ) XXXX XXXX XXXX 15 USC 1681b XXXX XXXX XXXXXXXX I have also enclosed a letter going stating the correct information.
Consumer complaint received 2022-07-30
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting ACT the following accounts have violated my rights : XXXX XXXX  - Account number XXXX XXXX XXXX- Account number XXXX XXXX XXXX XXXX - Account number XXXX XXXX XXXX XXXX - Account number XXXX XXXX XXXX XXXX -Account number XXXX XXXX XXXX XXXX XXXX- Account number XXXX XXXX XXXX XXXX- Account number XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX- Account number XXXX US BKPT CT NY XXXX XXXX Reference number 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 an account without my written instructions.
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Joint credit card opened in XX/XX/XXXXwith former spouse. After divorcing in XX/XX/XXXX, I assumed financial responsibility of the card but former spouse filed bankruptcy and discharged the  account in XX/XX/XXXX without my knowledge, severely impacting credit report. After reaching an agreement with and closing card with the bank it is inaccurate and being reported differently with all three agencies.
Consumer complaint received 2019-08-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC (CA)

I turned in my vehicle to XXXX XXXX in XXXX XXXX in early XX/XX/2019. It is now early XX/XX/2019 and I have still not received my security deposit. I contacted BMW Financial in XX/XX/XXXX and they said I would have my money within 15 business days. I did not receive my money. I have contacted BMW Financial Services and they will not refund my money until the wear and tear has been claimed and paid off by the dealership. The dealership did not upload pictures of the wear and tear at the time I turned in the car and the third party insurance company will not pay out the wear and tear until they have these pictures. I have demanded that they issue my refund and collect the money on their own time but refuse to do so. I have asked for compensation for the time I have waited and the phone calls I have made to get this money back but they have refused.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


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
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with this XXXX is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2024, XX/XX/2024, and XX/XX/2024 to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2020-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

In order to view balances, tax documents etc with Penny Mac, one must register for an account. Part of the account registration process is to provide one 's cell phone number ( landline is not accepted ) and consent to receiving telemarketing calls from Penny Mac. The following it how the consent is worded ( copied/pasted from Penny Mac webpage ) " Communications Consent : By clicking the Submit button, I agree that I am providing an electronic signature authorizing PennyMac Loan Services , LLC and its agents ( PennyMac ) to contact me for telemarketing and informational purposes at the telephone number provided, even if I have previously registered on a corporate, state or national Do Not Call registry. I have authority to provide this consent because I am the subscriber of the telephone number or I am a customary user who has authority to consent to these communications. I also agree that PennyMac may contact me using an automatic telephone dialing system or an artificial or prerecorded message, or text messages, even if the number is connected to a service for which I am charged. I understand that I am not required to provide consent as a condition of loan consideration or approval. '' In conclusion, the only way one can manage one 's mortgage, view statements and tax statements with Penny Mac online is if one consents to Penny Mac 's telemarketing strategies. This is unethical.

Thank you for your attention to this matter. 
Kind regards,
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (GA)

Good morning, I reviewed my credit reports through XXXX, XXXX and XXXX and noticed several fraudulent accounts opened in my name without my permission. I am victim of identity and I did not benefit from any goods or services of these fraudulent accounts. 

I am requesting for your company to remove and delete these fraudulent accounts immediately and report these deletions to all three major credit reporting agencies immediately. I have attached a copy of my FTC report and police report to this correspondence.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$260.00} ; XXXX XXXX Balance Owed : {$5300.00} ; XXXX XXXXXXXX Balance Owed : {$190.00} ; XXXX XXXX Balance Owed : {$3600.00} ; XXXX XX/XX/XXXX ; XXXX OF XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (CA)

I have not had access to my bank account for XXXX weeks. On XXXX, I attempted to log into my account from a new phone. My old phone was not working. The bank needed to text me a code to authenticate my account. But the screen is broken so I wasn't able to get the code. I then attempted to reset my password but was locked out. I called Ally bank which took an hour to speak to someone. She reset my password and started to provide me the temp password to log in but after the first letter, the call disconnected. I waited for around 10 minutes thinking she would call me back. She did not. So I called again and this time the wait was almost XXXX hours. I asked this new person to call me if the line disconnects since I've spent over XXXX hours just trying to reset my password. She then tells me that she is not able to and if I disconnect I need to call back. I asked for a supervisor but she was not able to get XXXX for over XXXX minutes. She then attempted to reset my password and I still couldn't log in. She then transferred me to tech support who said the issue was probably due to their nightly update but he could fix it. After XXXX : min he could not fix it. He stated he would open a trouble ticket and I would receive a call on Friday XXXX. No one has called. I attempted to call several times but could not wait the long hold time of over an hour. I called Saturday and reached some after XXXX min. He looked at my account and said I'm still locked out. He then acknowledges This is a known issue and there's nothing else that can be done. This makes no sense that a bank could lock me out of my account for XXXX weeks with no estimates on when this will be fixed. I have bills to pay and I can't keep spending several hours a day to wait on hold for someone to get this fixed.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX {$900.00} XXXX XXXX XXXX Bankruptcy XXXX XXXX : {$0.00} ; XXXX  XXXX Bankruptcy XXXX XXXX : {$0.00} ; XXXX XXXX  Bankruptcy XXXX XXXX : {$0.00} ; XXXX XXXX  Bankruptcy XXXX XXXX : {$0.00} ; XXXX XXXX  Bankruptcy XXXX LXXXX : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/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
Consumer complaint received 2024-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2020-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2020 I was charged XXXX by a Third party vendor for a device and service. The device was defective and the service unusable. I went back to the store on XX/XX/2020 and asked for a refund as the company has a 7 day money back guarantee. 
I was refused a refund and instead told there was nothing they could do and they did not have a return policy. After speaking to several other locations I learned that specific location is not following practices and rules put in place by their corporate office. 
On XX/XX/2020 I filed a dispute with Chase as the location had sold me a defective device with unausable service and was refusing to honor their money back policy. This is a common way they scam customers. I gave Chase detailed information about the situation and recieved a credit for the amount disputed. 
On XX/XX/2020 I recieved a statement from Chase claiming that after their research they have concluded the charge is correct and the retailer is not at fault and are now charging me for the disputed amount of XXXX. I had to pay more to switch companies in order to have working service and also had to pay for a new device.
Consumer complaint received 2020-06-20
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the original Consumer Contract with my Signature on it or remove these accounts immediately. 

1. XXXX XXXX XXXX  Account number XXXX This is the response EXPERIAN has give me : Results Report Number : XXXX Date Generated : XX/XX/2020 XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

I HAVE NOT ASK EXPERIAN to verify the information on my credit report. I am requesting the original Consumer Contract with my Signature on. 

When I tried to tell EXPERIAN waht I want this is what there website said : XXXX XXXX XXXX Other reason Submission Failedfailed icon You have previously disputed this item. We are not required to process a duplicative dispute. If you have new or different information relevant to your dispute, you can upload the documentation here. If the information is relevant, then a new dispute will be opened. You can also contact us at XXXX or contact the data furnisher of this information regarding your dispute. 

I am demanding that this account be removed from my credit report if EXPERIAN can not provide me with the original Consumer Contract with my Signature on.
Consumer complaint received 2020-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NJ)

I have been told by a company that I am trying to buy a car from called XXXX that a security freeze exists that I did not request. Experian will not answer any phone numbers that exist for consumers. I have overnighted mail, emailed, and tried their online requests that ultimately tell me to call them. They will not answer so that is insane! 

I am being personally harmed by them and I have no recourse to try and get them to help without I guess hiring an Attorney and suing them. I just want the freeze lifted so that I can buy a car. This is not quite a lot to ask. However I can not get a person to ask. 

Your help would be greatly appreciated. 

XXXX XXXX XXXX